Before Cyclone Sidr hit her region, Razia (Perujpore Upazilla, Patuakhali) had been living a very hard life merely raising BDT 150-200 a day by working in tailoring. When the cyclone hit the area, even this modest source of income was destroyed along with her house and other properties. Desperate, Razia sought help by approaching micro-lending institutions with excessively high interest rates. Almost a year and a half later, her financial difficulties were compounded when Cyclone Aila impacted the coastal areas of Bangladesh. Soon after Cyclone Aila’s hit, Razia heard of the Fael Khair Program for the Rehabilitation of Cyclone Victims. She applied and received BDT 10,000 to reestablish her tailoring business. Today Razia sells BDT 500-600 a day with net profits per month amounting to nearly BDT 6,000, which is more than enough to send her children to school and cater for the needs of her family.
In her village, Rahima’s poultry farm is one good example of how a successful entrepreneurial business would look like. Rahima lives with her family in Pirojpur District. Their poultry farm was established with funds from the FK Rehabilitation Program amounting to BDT 20,000 () and has been a success. With the cooperative efforts of Rahima, her husband (a teacher), and son (a schoolboy), the family runs and takes care of the poultry farm.
The 28 years old Mrs. Nesreen lives with her husband and two kids inHitaliaVillage, in Patuakhali District. The cyclone, which attacked their village caused big losses for her husband’s little shop, leaving them in extreme poverty. Mrs. Nesreen joined one of the rehabilitation programs under the supervision of Muslim Aid Organization in Bangladeshin by the end of July, 2009. She received an interest-free loan of BDT 15,000 (USD 205) to establish a workshop for producing rural latrines. The income of her workshop is about BDT 7000 (USD 95) monthly. With this project, Mrs. Nesreen survived again with her family and she is now living a decent life.
With both her house and farm lost to the destruction caused by Cyclone Sidr, Dipali found herself with no house and no source of income. Learning from a neighbor of the FKP for the Rehabilitation of Cyclone Victims, she applied for a loan and was given BDT 10,000 (USD 135) that she used to rehabilitate her piece of land for farming again. Dipali was successful in paying back her debt installments on time with the result that the NGO implementing the FKP agreed to provide her with two more loans amounting to BDT 15,000 (USD 205) and BDT 20,000 (USD 275) (respectively) to use them in her farm. Diplai’s farm is now providing enough income for her family’s needs and for her kids to go to school.
Ashim’s crops were totally destroyed when impacted by Cyclone Aila in 2009 leaving him with no source of income. Later, Ashim heard of BRAC and the interest-free microloans it gives to Cyclone victims and decided to apply for a loan. With the BDT 10,000 interest-free loan he received from BRAC and the knowhow he gained from both his previous experience and also from the training courses provided by the rehabilitation program, Ashim started vegetable farming again. In a three-months time, his crop cost him about BDT 22,000 (most of which had gone to relatives) while he sold it for BDT 95,000 during the same period, making BDT 73,000 of net profits only three months after he had received the quard. Today Ashim has made for his losses after the cyclone and is already recycling his income.