A STUDY ON TRAINING AND MICRO CREDIT

PROGRAM OF

CENTER FOR WOMEN’S RIGHT AND DEVELOPMENT

Submitted By:

A fieldwork report Submitted to:

Shanker Dev Campus

Tribhuvan University
In partial fulfillment of the requirements for the degree of

Bachelor of Business Studies

Ramshahpath, Putalisadak, Kathmandu
June, 2006
Faculty of Management

TRIBHUVAN UNIVERSITY

RECOMMENDATION

This is to certify that the fieldwork assignment report

Submitted by:

Entitled

A Study on Training and micro credit and development

Program of

Center for women right and development

Has been prepared as approved by this department.
This fieldwork assignment report is forwarded for examination.

Supervisor

Date… Head of the Dept Shanker Dev Campus

ACKNOWLEDGEMENTS

While preparing this Fieldwork Report of Centre for women’s Right and Development on Training and Micro credit Programme. I received the kind assistance of many people, most of whom are directly involved in micro credit & Savings program within CWRD and also the borrowers. The names of those whose knowledge helped shape this report writing are presented below in grateful acknowledgement of their help:

1. Ms Kalpana Risal
2. Ms Gyatri Upreti
3. Mr. Yam Bahadur Pulami
4. Ms Puspa Giri
5 Mr. Ankit Khanal

I would like to extend my gratitude to my teacher Mr. Mukunda Pd. Joshi who gave suggestion related to this study. The main result of this study is the learning process I went through myself. However, I hope this report can offer general introduction on Training and micro credit program of CWRD. Although many of the technical information are borrowed from the concerned people I meet during the study, the final interpretation of this report is my own.

Table of Contests

Title page
Recommendation page from the campus
Recommendation latter from Organization for study
Acknowledgements
List of Table
Table No: 1
Table No: 2
Table No: 3
Table No: 4
Table No: 5

List of Chart
Chart No: 1
Chart No: 2
Chart No: 3

List of Photo
Photo No: 1

Chapter 1 INTRODUCTION Page No 1.1 Background of the Organization 1 1.2 Objectives of Study 2 1.3 Significance of study 2 1.4 Limitation of the Study 3 1.5 Methodology 3 1.5.1 Research Design 3 1.5.2 Field procedure 3 1.5.2 Source of data 4 1.5.3 Data collection method 4 1.5.4 Data Presentation and Analysis Tools 4

Chapter 2 DATA PRESENTATION AND ANALYSIS

2.1.1 Emergence of CWRD 5 2.1.2 Objectives of CWRD 5 2.1.3 Major Activities of CWRD 5 21.4 Membership of CWRD 6 2.1.5 Organizational Structure of CWRD 6 2.2.1 Program and Activities 6 2.2.3 Training Program 7 2.2.4 Skill Development Programme 9 2.2.5 Literacy Movement Program 10 2.2.6 Human Right Activities Programme 12 2.2.7 Agriculture Program 13 2.3.1 Micro Credit Project for Women 14 2.3.2 Target Group 14 2.3.3 Micro Credit Project Area and Group Formation 15 2.3.4 Loan Distribution 15 2.3.5 Loan Collection 16 2.3.6. Recommendation 17

Chapter 3 Summary and Conclusion

3.1 Finding 19 3.1.1 Program area and approach 19 3.1.2 Supervision 19 3.1.3 Loan distribution and collection 19 3.2 Summary 20 3.3 Conclusion 20 3.4 Recommendation 21

Bibliography

Annex 1 A set of Questioner with Director of CWRD 2 A set of Question with

3 Field Photo of training Programme

CHAPTER – 1

INTRODUCTION

1.1 BACKGROUND

The Center for women‘s right and development (CWRD) is a social development organization established to promote the rights of women as their development efforts. It was registered in 1993 with the Nepal government as a non-governmental, non-political, non-denominational and non-profit organization. CWRD is rooted in the brief that services must be comprehensive integrated and collectively addresses the social, economic, political, cultural, civil and educational needs of women if they are to be effective. Although the women of Nepal contribute 2/3 of total working hours in Nepal they only receive 1/10 of total wages and own 1/100 of the wealth. Women are oppressed economically and politically. They are unrepresented by government and, although they are guaranteed equal rights under the constitution, these rights are not protected under the law and thus are largely ignored. Women are also often the victim, of violence exploitation and poverty. They are disenfranchised from their family and their culture as well as society as whole. CWRD was created to combat the realities facing the women of Nepal today. Its focus is on mobilizing the community around the issues conforming women in an effort to improve their male counterparts. Since its creation CWRD’s main objectives has been to raise the consciousness of both men and women, support and encourage the develop efforts of women and put an end to the social, cultural, injustice, discrimination and violence experienced by women.

For year period to CWRD’s registration as NGO its founders were actively involved in organizing women. They devoted years counting the struggle to recognize the women, the difficulties they face, their contribution to society, and must importantly their rights. To further this cause of founders of CWRD became actively involved in the women’s defense pressure groups(WDPG), an informal network of 90 Nepalese NGO’s objective was to apply pressure on the government to recognize and acknowledge the right of women here in Nepal, in corporate once issues in to Nepal political and development agenda , there by giving it the attention it so justly deservers .WEDPG took a leading role in the fight for political reform for woman in Nepal facilitating political effort and mobilizing woman to effect change . The founders gained a wealth of experience from their involvement with WDPG. This experience ultimately encouraged and lead to the creation of the center for woman‘s right and development. In 1993, CWRD was found to establish a board focused on issue affecting women, their empowerment, and their human rights. The struggle to empower women has been difficult one for CWED, especially given the status of women today. While CWRD has made great studies helping many women find their voice and thereby improving the quality of their lives, CWRD’s goals have not yet been fully realized. CWRD is responsible for implementation an institution of many programs and service that are improving the live of women through Nepal everyday and while CWRD has come closer to reaching their goals there is still much work to be done.

1.2 OBJECTIVES OF STUDY The major objectives of the field work study were: a. To describe about the Center for Women’s Right and Development. a. To describe of the types of group training provided by Center for Women’s Right and Development. b. To inform about the micro Credit Programme of Center for Women’s Right and Development.

1.3 SIGNIFICANCE OF STUDY We can choice any topic of our interested organization .I selected the topic Centre for women’s right and development because of as we know that our country Nepal is far behind in development. So, for every infrastructure of development of the country the first priority must given to be women’s who has covered the fifty present of total population. Until the strength of this women are not concluded then there will be no rapidity. In the infrastructure of development .CWRD which is mainly established for the investment in training ,encouraging the Nepalese women from every corner of country .So I have chosen this organization for the better development of country. We know that, in many sector of our country where helped and care by many of the INGO’s, and NGO for women. The mission of the organization is to awareness raising advocacy networking on gender issue including development program. Among them CWRD is also one of the NGO. Thus, significance of this study is that, the readers able know and introduce about the CWRD and its activities. For the organization, they can know their activity how is going on and past performance.

1.4 LIMITATION OF THE STUDY Although CWRD has been assisting the poor low income and unliterary women through creation of Micro enterprises and also promoting the existing women entrepreneurs. In this connection CWRD have been launching various programmes such training, saving, Advocacy, and Micro finance. In the present day context of Nepal.
Hence this study focuses only on about CWRD and it’s Training, Micro credit Program .The program topic on Training mainly focus on Katmandu, Bara and Bardiya District and MCPW programme conducted only on Kathmandu Ward No 8, Ward No9 and Ward No31.
This organization is related to the women’s activities not man, so for the goodness of all the classes of the women is the main aspect of this Organization, Cost and Time limitation. The researcher have not much time to write detail we must finish in two weeks and we are student have not much money to expose data attractively.

1.5 METHODOLOGY

1.5.1 RESEARCH DESIGN This study is a case study type of research and field visit are done to gather information requiring the current study.

1.5.2 FIELD PROCEDURES As the field procedure, alone with the frequent visits, interview and detailed conservation with relative person was taken with the training director for the interim for the project. Executive Director who placed for the internship at the Training and Micro finance Department. Few days to visit of other department and to interact with the concerned staff and operation of the CWRD and put forward questioners to provided staff for this fieldwork. Questionnaires were made with regards to the information available by the helpful staffs. Their support and help has been the main source of getting information.

1.5.3 SOURCE OF DATA

Mainly there are two types of data, they are a) Primary Data: Primary data are these data, which are not in existence before. It has to recollect by researcher himself. These primary sources of data for this case study research were documents, field observation and semi-structured interviews. Documents included field maps, photographs and project evaluation reports that were available in the field. Observations of a participant of MCPW programme and also interviews were with her and other interviews were conducted with the Director and staff of CWRD.

b) Secondary Data: Secondary data are those data which is already publishing like organization browser annual report etc. It help researcher an insight situation of the proposed research provide information. Following data were taken from different documents found in study areas. The document include operational plan, map etc. These are as follows: ➢ Browser ➢ Annual reports of CWRD. ➢ Objectives of CWRD. ➢ Training programme files. ➢ Published official documents.

1.5.4 DATA COLLECTION METHOD a. By visiting the organization and their staff. b. Interview with the director of the organization. c. Among the field areas one women participate (currently working entrepreneurs) was selected and with the interviewed and questioner information was collected.

1.5.5 DATA ANALYSIS TOOLS
a. Bar chart
b. Pie chart
c. Percentage
CHAPTER – 2

DATA PRESENTATION AND ANALYSIS

2.1 CENTER FOR WOMEN’S RIGHT AND DEVELOPMENT CWRD is non profit making body and is register as anon government organization under the relevant laws of Nepal government. CWRD is an initiative of a group of women who have been working in the field of women development, through NGO’s for long time. All the members of CWRD are devoted themselves for the development of women who are specially suppressed, economically, exploited and abandoned from their family. The registration of CWRD mainly concerns with the social, economical, cultural, civil education, health and environment problem particularly for the women member.

2.1.1 EMERGENCE OF CWRD It is known to all of us that women represent half of the world’s population and contribute to 2/3 of the working hour but they receive only 1/10 of total wages and 1/100 of the total wealth. In realities these women are pushed toward more poverty and hardship in their daily life in everywhere. Despite of the hard work put of by women, they re not given their fair share in the society. Women should be to gain their right place in the society if they themselves realize and learn the way and means of development. The conscious and concern women of Nepal must join hand to widen the horizons of their fellow sisters. It is the consciousness and concern that give birth to the CWRD.

2.1.2 OBJECTIVE OF CWRD
1. To raise the consciousness of women about the social cultural injustice, discrimination against women and deadly business of women trafficking and violence against women.
2. To create linkage between the organization working in the fields of women empowerment as a networking
3. To facilitated the access of women, backward community to the resource and development activity.
4. To conduct action oriented research on socio economic, political issue on gender prospective.
5. To facilitate the process of group formation, saving credit, training institution of development of women as well as backward communities.
6. To provide the training service (on saving, literature movement, skill development, human rights activities, gender entrepreneurship, leadership) as per the demand from NGOs and private sector.
7. To provided counseling and legal support services to the exploited and abandoned women.
8. To provide credit facilitates to the women, below poverty level in group liabilities being financial intermediaries.

2.1.3 MAJOR ACTIVITIES OF CWRD
( Social: ( Training ( Saving
( Advocacy: ( Micro finance ( Leadership

2.1.4 MEMBERSHIP:
At the time of establishment: Executive Board: 7 General Member: 11
At present: Executive Board: 7 General Member: 21 Male: No Female: 21

2.1.5 ORGANISATIONAL STRUCTURE OF CWRD CWRD, is structured by seven organization members in its executive committee and have main area of expertise related with training management, Research, Advocacy, Microfinance, Saving and other local level planning.

Organization Structure of CWRD
Chart No 1

2.2 TRAINING PROGRAMME CWRD has performed many activities according to its objectives. Here research has study its activities and program related the two activities. They were: To describe of the types of group training provided by CWRD to the women (on skill development, literacy movement, human right activities, and agriculture) The figure show trend of training topic on literacy movement highly implemented then other and lowest is topic on agriculture and highly conducted year is 2002 (last year). On Literacy Movement till now 8500 women are beneficial on three districts Kathmandu, Bare, and Barcia. Topic on Skill Development program 8680, on Human Rights Development 3146.on saving programme 2210 and on Agriculture 520 women are beneficial. In this program highly conducted in Bara district and lowest on Kathmandu district. Other topics like human right activity also are highly conducted and it is going smoothly. Last topic Agriculture and saving are little low conducted. His program is supported by Women Defense Pressure Group (WDPG), The Integrated Village Development (IVD), UNICEF Nepal, PACT Nepal, and The Free Legal Service Project for helpless women (FLSPSW) and implemented and watched by CWRD. Chart No: 2
[pic]
Source: CWRD

Table No: 1
|Subject of Training |Literacy Movement |Skill Development |Human Right Activities |Agriculture |Saving |
|No of Women |8500 |8680 |3140 |2210 |520 |

Source: CWRD

2.2.1 SKILLS DEVELOPMENT PROGRAMME The next activities of CWRD was to develop of women’s skill to make them self dependent Skills development programmes have been implemented by CWRD in various wards of Kathmandu district. These programme attempt to teach women various skills and trades so that they may become economically self-sufficient. The various skills that are taught include: fabric painting, cooking, sewing-cutting .entrepreneurship development, and small business. Recently, CWRD has tried to expend its skills development programme to include trades that have been traditionally and exclusively done by men. By adding a training in house wiring CWRD has attempted to alleviate gender segration found in the labor market. CWRD hopes to expend its training further in the future to include more trade s traditional held by men. Other skills include sewing- cutting, fabric painting, and cooking education. Some of the above skills training programmes also provide primary health and environment protection.
This programme is assisted by Global Fund for women, U.S.A. and the local government ward office of the Kathmandu municipality.
Currently, skills development training is being conducted in ward 13 Kalimati, ward 35 in Koteswor, and ward 21 in lagantole. These programs have been implemented by the center with no outside support. The skills programmes in ward 20 in Bhimsenthan, ward 28 in Bangemudha, ward 15 Soyambhu, and ward 16 mhyapitol, are now sustained on their own with no support from the centre. These wards have become their own NGO, responsible for the oversight and management of their programs themselves. In Bara district this program conducted very successfully. As a result, women in Panditpur, Manpur, Khairapur, Saphari, Rihar, 2620 women have received skill development training. And last, in Bardiya district 12 village’s 2320 women have received Sewing Cutting, fabric printing and legal right education. The figure show the trend of training highly conducted in Bara district, lowest in Katmandu.

Table No: 2
[pic]
Sources: CWRD

2.2.2 LITERACY MOVEMENT PROGRAMME
In this topic CWRD were following activities were taken into consideration and conducted work. They are: The literacy classes are a crucial component of this programme and necessary for the improvement of women. The literacy rate today for women in Nepal is much lower than it is for men. If women wish to improve their lives it is necessary that they learn how to read and write. The functional literacy classes provided by this programme have shown to be highly effective increasing the literacy rate of women in Nepal. Currently, with the help of UNICEF Nepal and PACT Nepal, CWRD is playing a leading role in the literacy movement. Today, CWRD conducts over 300 literacy classes, many of which are held in the remote areas of Nepal where the literacy rate for women is at its lowest. Over the year CWRD has assisted more then 8500 women in becoming literate. One of CWRD’s most effective literacy classes about No formal Education and Sensitization programme that was implemented in Behari, Maulapur, Rajghatta, and Dumarwana Village of the Bara district. After the programmes completion 3020 of the women who participated in the programme were literate. The programme is noteworthy because it integrated literacy, health education, environmental protection, and group savings.
During 1998 CWRD expanded its functional literacy classes even further to include there more villages in the Bardiya district, Bisanpurawa, Hanumanganj Kolvi, and Dumarwana. As a result of this expansion nine hundred more women became literate. Today 110 literacy classes are conducted and 3340 women are literate in this district.
And in Kathmandu district with help of UNICEF Nepal 90 literacy classes are conducted. This programme conducted in nayabazar, pasupati, Koteswor and chhetrapati in Kathmandu district. As a rustle 1685 women are literate in that programme. Table No: 3
[pic] Source: CWRD

2.2.3 HUMAN RIGHT ACTIVITIES In Nepal many women are unaware of their legal rights and for those that are those rights are often ignored. Although women were given additional property rights in 1975 under the sixth amendment to the civil code the laws of ownership and right to property rarely favor women .Women are also often the victims of violence ,rape , and exploitation with little non illegal resource. In May of 1995 CWRD broadened their services to address the legal concerns of women. The free Legal Service Project for Helpless Women (FLSPHW), a project funded by the Social Welfare Council of Nepal was implemented at CWRD’s central office in Bagbazar. The project provides legal advisement and advocacy. CWRD has attorney who provides free legal advice to women who are the victim of domestic violence or in need of representation to ensure that their right to property is enforced. The projects are also responsible for organizing various seminars, rallies, and workshops that promote the right s of women. The project regularly conducts human right s training which are designed to raise public awareness of a women’s legal rights.
CWRD provides many other services in addition to legal advisement. CWRD, with the help of its legal advocates, also conducts paralegal training, awareness campaigns, and various activities they promote the political organizing of women. For example, CWRD co- organized a one day public hearing on trafficked women. The event gave victims the opportunity to tell their stories. The event was a collaborative effort by CWRD, watch and the Asian Women Human Rights Council to heighten public’s awareness of the exploitation and abuse by women around the World. CWRD was also responsible for lunching Black Day, another demonstrations against the volition of human rights of women. Most recently CWRD, along with other women’s organization, sponsored and helped to organize The World March of Women. The march was an international effort to stop the spread of poverty and violence against women.
Today CWRD has helped over 4116 women, advising them of their legal rights, advocating.

Table No: 4
[pic]
Source: CWRD

2.2.4 AGRICULTURE Nepal is an agricultural economy with more then 90% of its people depending upon agriculture to subsist. In many parts of the country, food and energy security rely on the knowledge and productive abilities of women. If the country’s development efforts are to be effective they need to focused on the development of new agriculture technologies that will benefit the small farmers of Nepal. The following agriculture activities are being conducted by CWRD. ❖ Co-organized workshop on “role of peasant women in Nepal” in Rampur Chitwan.40 percent women from different districts took part in the programme. ❖ Two week kitchen gardening training programme for rural women. ❖ Yearly distribution of vegetable seeds to small farmers living the remote areas on Nepal (Supported by UNICEF Nepal). ❖ Income generation through vegetable gardening animation programmes. ❖ Workshop and seminar on” The role of women in environment protection.” If the development efforts of the women of Nepal ate to be realized their rights must be ensured. As such, it is promote that women take an active role in their government and the election process. Recognizing this, CWRD has implemented a political empowerment program to encourage the increased participation of woman in CWRD with the objective of increasing the consciousness of voting rights, and educating woman about the voting election process and procedures. Twenty seven women participated in the programme, helping to educate other woman about the election.

2.3 MICRO CREDIT PROJECT FOR WOMEN
In this stage the researcher tries to inform about the micro credit programme of CWRD. The center’s largest and possibly its most successful programme is the Micro Credit Project for Women . The project is partly funded by CECI under the local development ministry of Nepal . The target of the programme are women with limited saving capabilities . To date 313 women have benefited from this programme. Women that have participated have been able to save of total of Rs 13,80,000.00 . Women’s group who have mobilized saving for agriculture , micro industry, and small business have accumulated a total investment of Rs 49,00,000.00 These savings groups have been given loans from various banks upon the recommendation of CWRD . The program has been authorized to be a credit agent and the first and only financial intermediary in Kathmandu working with the MCPW under the Nepal government . This programme is assisted by Asian Development Bank.

2.3.1 TARGET GROUP C W R D has been targeting its credit membership to the poor and lower income household . Only women from these households are eligible for membership. Women from schedule casts are encouraged to become members of the group and have existing enterprise or a viable pan to start one .
2.3.2 PRESENTLY THE PROGRAM OPERATING AREA
a. Ward No - 8
b. Ward No - 9
c. Ward No -14

2.3.3 MICRO CREDIT AREA AND GROUP FORMATION Seven participants of the pre - group training are confined in one group . They gather in a centre consisting of two- seven groups. Each centre determines the appropriate rules and regulations that are specific to its own situation - on group membership criteria, scheduling of centre meetings, loan size, minimum amount of savings, resolution of group conflicts etc. Savings and credit mobilization and other activities will be conducted through these centers. Each group will select a chairperson and secretary will be elected at the centre level.
Chart No: 3
[pic]
Source: CWRD

Table No: 5
|Area/year |1998 |1999 |2000 |2001 |2002 |
|Ward No:8 |12 |19 |17 |25 |20 |
|Ward No:9 |13 |24 |26 |28 |25 |
|Ward N0:31 |2 |4 |5 |8 |6 |

Source: CWRD

2.3.4 LOAN DISTRIBUTION

The loan disbursement amount higher to the ward no.8, where lowest fall to ward no.31 and ward no 8 stand 2nd position. The loan disbursement amount was high in the year 2000 and 2001. Among the total amount Rs 2150000, ward no.8 Rs 1933000; ward no.9 Rs 822000 ward no.31 shared. Last year they can’t provide loan due to the lack of required amount. These figure shows that the trend of loan distribution for 4 years was going upward but last year it goes down ward. Table No: 6
[pic]
Source: CWRD

2.3.5 LOAN COLLECTION In terms loan collection first two year 1998 and 1999 in low speed and middle two year it show so speed and last year also it can’t get speed. Ward no 8 stood first and ward no.9 is second. Ward No 13 is in last stage to loan collection.

Table No: 7
[pic]
Source: CWRD

2.3.6 AN EXAMPLE OF MCPW PROGRAMME Durga Gautam is name of the owner of the shop. She lives near Pasupati. Her shop is at ward No 8 of Kathmandu Municipality. Durga's family is small of two sons, one daughter and her husband. Before she had engaged in her business she used to live in her house as a house wife and her husband used to work in a field as a labor with the result of which they have to do struggle for the further study of their child and for the better regulation of their family she thought to do something else and she joined the CWRD in 1997, from this agency she took the Rs 20000 and decided to established her business in the Pashupati. This is the first step in her business which begun with small tea shop and other daily equipment and day by day her business going on increasing which she get quite relief by her family struggle. And within a short duration of time a small tea shop changes into a big shop which is quite fulfill with daily requirement food and vegetables.

Photo no. 01 Field photo of MCPW Participation Actually due to her struggle the class of her family has changed. Her children are quite capable for their further study without any obstacles. And, for the better forwardness of her business she takes help from her family and later on there are so many shops around her but by the goodwill of her business she has got better and better day by day. All this success her life is due to help from CWRD and she says if there will be more agencies like this then there will be no women in our country will be in the roof of poverty. Now she does business about four thousands daily.

According to her children MCPW program an important role because it opens up opportunities for people who have ideas and dreams but lack financial resources. She is very happy with the loan program has enabled her to do with her business.

CHAPTER -3

SUMMARY & CONCLUSION

3.1 MAJOR FINDINGS

3.1.1. PROGRAM AREA AND APPROACH

Program area has been selected without viewing the potential and viability but on the basis of the suggestion of diners and the beneficiaries. It has been found that the program has no field office, started gathering detail information on local situation such as total number of house hold in ward, number of prospective household, different casts, and occupational group, literacy level, status of credit intervention, and local programs etc.

3.1.2 SUPERVISION

CWRD has no field office for supervision but it has some staff to supervision and monitoring and if the any member tries to not pay their installment the group leader punished them.

3.1.3. LOAN DISTRIBUTION AND COLLECTION

CWRD provides loan to its members on the activities such as retail store, teashop, road shop, vegetable shop, weaving etc. There is many potential of expanding

3.2 SUMMARY: CWRD is non profit making body and is registered as a non governmental organization under the laws of Nepal government.CWRD is an initiative of a group of women who have been working in the field of women development , through NGO’s for long time .all the member of CWRD are devoted themselves for the development of women who are specially suppressed, economically exploited and abandoned from their family The registration of CWRD mainly concerns with the social, economical, civil, educational, health and environmental problem particularly for the women member. Women in these areas have been able to improve their living standard and surrounding through increased incomes. CWRD’s Training and micro credit program has enabled women in these areas to start enterprises and access to a higher level of income. Moreover CWRD has also been conduction various training in this areas like skill developing, human rights, agriculture, micro enterprises training. These training are seen as a complementary instrument to credit. These training helped CWRD’s borrowers to start their own micro enterprises with the loans extended by CWRD.

3.3 CONCLUSION: It is concluded that the organization has performed its activities. Well, everybody in the organization can keep in touch with each other directly or indriectly.There was friendly environment. The performance of staffs of continuous and staffs were helpful to each other. In brief CWRD’s MPCW & training programs contribution for the creation of employment CWRD has been effortful in promotion of potential women entrepreneurs in Nepal. It has fruitful tie up not only with the economic development of country, but especially with the employment creation in campaign of unemployed women. Training and micro credit program of CWRD has its own special features, because it deals with the complete package i.e. training, business counseling, advocacy, networking, and credit with training and MCPW assistance up to 1997/2002 total 23056 members take benefits. It has mobilized Rs 4905000 as loan and better record on repayment also with the establishment of service center, women entrepreneurs gained self sufficiency in agriculture, manufacturing and service sector. to Nepalese women is highly appraisable. Although training & MLCW programmed has achieved remarkable record in women employment creation, professional & field staff followed by CWRD should knock the door of national and international donor agencies for additional arrangement of funds and resources. It also needs to concentrate its attention on saving mobilization and community development activity side by side with training in order to

3.4 RECOMMENDATION:

To overcome the problems resisting the active participation of women in training and MCPW programme following recommendations should be implemented. I) Organization, leadership, literacy movement and human rights activities training and should be given to women to familiar them with their administration responsibilities in the committee and to aware of the need for better life. II) Special benefits for women and disadvantaged group should be given. Women should be providing while selecting member for training. III) Provision of training should be established for the prefacer tanner to make them involved in encouraging women to participate actively in every activity. IV) CWRD need to keep in touch with national and international agencies in order to arrange fund for MCPW programme. At the initial provide it has obtained fund from women World Bank, ILO, NRB.

Annex No 1

Question for MCP Participants

Name: -

Address: -

1. What profession did you have before?

2. How did you come under MCP programme?

3. Do you feel any problem the duration on repayment of amount?

4. Do you face any discuses being with the group?

5. Did you receive help from family?

6. If any other problem?

7. Your suggestion for the organization.

Annex No 2

Question for CWRD Director:

1. How you select the project area for MCPW?

2. How do you arrange invest money for project?

3. How you provide non financial training to participants?

4. What is your monitoring mechanism for member?

5. What are the problems facing this programme?

6. What are the suggestions to improve this programme?

ABBREVIATIONS:

1. CWRD-Center for Women’s Right and Development

2. WDPG -Women’s Defense Pressure Group

3. IVD -Integrated Village Development

4. UNICEF -United Nations International Children

5. FLSPHW -Free Legal Service Project for Helpless Women

6. CECI -Canadian Centre For International Studies and co operation

7. MCPW-Micro Credit Project for Women.

8. ILO -International Labor Organization.

BIBLOGRAPHY

1. CWRD, (2002), Training & Financial reports of the year 1998 to 2002, Dillibazar, Kathmandu

3. Pant P.R, (2000), Fieldwork Assignment, Report Writing, Buddha Academic Enterprise.

4. Profile of Nepal Rastra Bank Programme of MCPW, Kathmandu 2002.

5. Profile of participating NGO’s of MCPW / NGO-SU.2001

List of table
List of chart

----------------------- EXECUTIVE COMMITEE

DIRECTOR

MICROFINANCE

TRAINING

ADVOCACY

SAVING

RESARCH

FIELD SUPERVISOR

ACCOUNT

FIELD SUPERVISOR