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3.

Haldwani Rural
PAHAL
4. Jeolikote Rural

(Since 1988) Registered 12 A & 80 G under 5. Kotabagh Rural


Income Tax Act
Member: Microfinance Platform Planet Finance, 6. Jaspur semi urban
France & Micro-credit Campaign, USA
7. Purala Block (Uttarkashi)
Annual Report 2006-2008
8. Naogaon Blockl (Uttarkashi)
PAHAL is a voluntary Non Government
9. Rampur (slum area)
Organization working in the field of social
About Rs.400 lakh ((1000000 $)) has been mobilized
welfare, Rural & Slum area Sustainable
as saving, internal landing, and bank credit. These
Development, Environment Protection with the
groups are being used for social Mobilization also.
tool of Self Reliance, Micro Saving, Micro-
Light of Micro credit
Financing, Capacity Building of needy people
Earlier we have worked on SHG Bank Linkage
specially women, Awareness Programs, Co-
model now we have started direct
operation & Co ordination. Working in 100

Villages and slum reas of Three Districts of

Uttaranchal & two Districts of UP State. Approached

more than 10000 families

PAHAL has carried out following work in Microfinance to SHG's under the aegis of
2006-2008
"PAHAL Community Micro finance Services".
SHG Formation
Initially ICICI Bank, Nainital Bank & SIDBI has
PAHAL has Promoted 387 Self Help Groups & Credit

linked 325 so far in following areas extended support of total Rs.105 lakh to us for

1. Kathgodam semi urban direct lending to unprivileged & un served section

2. Haldwani semi urban of society. Total 61 lakh credit facility has been

provided to 600 member of SHGs?.


Micro Insurance EGS Centres in Slum Area

Pahal is also facilitating micro insurance product 1. Gandhi Nagar ward no 1 (Haldwani Town)

2. Tanakpur Road ward No 4 (Haldwani Town)


of well established & reputed Insurance company
3. Azad Nagar Ward No 18 (Haldwani Town)
like LIC of India, ICICI Prudential Life Insurance
4. Banbhulpura ward No 20 (Haldwani Town)
Company & Birla Sunlife Insurance Company to
5. Uont Parao (Ram Nagar Town)
our clients for securing their life against any
6. Railway Paro (Ram Nagar Town)
unprecedented circumstances.
7. Kanj ar Parao (Ram Nagar Town)

Primary Education 8. Gular gatti (Ram Nagar Town)


Being a development practitioner pahal ai working This year 5 EGS centers has been up graded and

with holistic approaches for the development so we are handed over to state Government. 4 centers has been

providing primary education to the student from taken over by state government and remaining 3

unprivileged & un served section of society. centers are still running by PAHAL in view of order

PAHAL has managed 12 Education Guarantee given by Honorable High Court of Uttakhand.

Centres (Primary Schools) Having 1200 students Bio Fuel Development work
PAHAL is associated with Uttarakhand Bio fuel Board

on alternative source of energy issue. Under our

supervision more than 1 Lakh sapling of Jatropha has

been planted in Community Forest by Local villagers

enrolled in following rural & slum area. of Champawat District.

EGS Centres in Rural Area.


MEDP Programme
1. Nakayal (Haldwani Block)

2. Devichor (Ramnagar Block)

3. Arjul nala (Ramnagar Block)

4. Pipalparao (Ramnagar Block)


Earlier PAHAL has conducted selected Rural Health & Pulse Polio
Entrepreureship Development Programmes for
Campaign/Immunization Awareness

enhancing capacity of unemployed youth with the

support of NABARD. These year we have organized

Micro Enterprise Development Programmes for our

SHG Members. NABARD Dehradun Regional office


PAHAL is regularly working in Health related issues
has sanctioned this programmes and we have provides
PAHAL 's worker are in touch with women members
skill training of Food processing & Embroidery to the of SHG and motivating/guiding and referring them as
and when required
50 beneficiaries from different SHGs
Awards & Facilitation
In these two years PAHAL has been awarded "Micro
Finance Continuous Process Excellence Award -
2006" by ABN Amro Bank and Planet Finance for
Micro Finance services and PAHAL supported on
SHG named SURABHI SHG has been chosen as best
performing SHG in Uttarakhand by NABARD.
Mahila Shramirdhi Yojna
This SHG has been awarded by union
Under this programme We have conducted 2 training

programme for skill up gradation of patch work

embroidery crafts persons with the support of National

Minorities Development & Finance Corporation Delhi.


Finance Minister Mr P. Chidambaram in New Delhi.
One In One training program 20 women from minority This award was given to the 13 best performing
community has got skill training in Haldwani another SHG's in all over India.
PAHAL has been also facilitated by Honorable Chief
20 women got training in Rampur After training are
Minister of Uttrakhand Mr. Narayan Dutt Tewari and
working to enhance their income and PAHAL is
State Bank of India Dehradun Region for remarkable
supporting to them. micro finance services to the disadvantage section of
society.
Earlier PAHAL was also recipient of "Micro Finance
Process Excellence Award -2005"
Primary Education & Child Right Many shows and melas organized by different

Agencies for marketing of SHGs products.


As we have stated that PAHAL is Managing 12 EGS

centers for providing primary education to the students SHG Formation training & Exposure
visit Programme
from under privilege section of society. Education is
We have conducted in house SHGs formation & micro
major tool for holistic development of the society so
credit lending training to our NGO partners & activist
advocacy needs arises every time a part of awareness
In addition to this programme we have conducted SHG
among society and at the service delivery channels.
Formation Training Programme & Exposure visit for
Accordance to this PAHAL has demonstrated a rally in
20 National Hydro Power Corporation's officers at RO
Haldwani for securing children primary education
Khatima (US Nagar).
right of under privilege section of society when
Join hand with IIT Roorkee for
Primary education dept. has closed all EGS centers
better implementation of Micro
running in state. The news of this rally has aired live in Finance in Development sector
Many TV channels and TV channels organized live PAHAL has privilege to organized a brainstorming

direct discussion with educationist, Education minister workshop on Micro Finance in IIT Roorkee. with the

& social activist on this issue. PAHAL also filed a support of Department of Management study IITR.

petition before Honorable High Court of Uttarakhand Chief General Manager NABARD has chaired this

for requesting to quash the cancellation order of 3 workshop SBI. ICICI, Senior officials & representative

EGG centers issued by Dist. Primary Education from State Bank, ICICI Micro finance Practitioners &

Officer these EGS centers are running by PAHAL in NGO's has attended and gave valuable suggestion in

slum area of Haldwani. The Honorable High Court of this workshop. A policy frame work has been

Uttarakhand has stayed the order in PAHAL favor. formulated in this workshop and later submitted to the

Marketing of SHG's Products & produced We State Government. for exploring better prospective

are running a marketing outlet in Saras marketing with Micro finance. We are vary thank full to

Centers Haldwani for marketing the products & farm Department of Management study IIT Roorkee &

produced in addition we have also participated in Prof. VK Nangya for giving this opportunity to

PAHAL
PAHAL staff members workers and associate has 3. N A Kheshtriya Gramin Bank Nainital
4. Nainital Bank,
participated many programmes & joined hand with other 5. ICICI Bank & HDFC Bank
6. Life Insurance Corporation
net work on social issue, Like Himalayan issues, Women
7. ICICI Pru.& Birla Sun Rise In.Company
violence & right, Land right right, Achieving Million PAHAL Micro Finance At a glance
(Under the aegis of "PAHAL Community Micro finance Services")
Development Goal, led by United Nation for socio-
Performance Upto 2007 Up to 2008
economic equality in universe
Total SHGs (No) 306 387

PARTNERS Members Of SHG 3672 4292


Institutions & NGO Women member 3576 4136
> Micro Credit Summit Campaign Washington, Bank Financed SHGs 224 332
USA
For information/up to date in Micro Bank Financed to 125 Lakh 134 lakh
finance activities
SHGs (Rs)
> Planet Finance Paris,
Saving of SHGs Rs 112 Lakh 117 Lakh
For Experience share & support in Micro
finance. Internal Loaning to 135 Lakh 153 Lakh
> MicroSave
For Capacity Building & Technical support in SHG (Rs)
Micro finance activities Direct loaning to SHG 27.5 Lakh 61 Lakh
> Himalayan Institute Hospital Trust Dehradun
Members From
For Capacity Building & Technical Support
in Health issue PAHAL(Rs)
> SAMBANDH Network, Dehradun- For net Total Out Standing 24.42 Lakh 39 Lakh
working on wider issues
> S A H I (Himanchal) Loan Portfolio of (Rs)
> ICIMOD (Kathmandu Nepal) Total No of Branches 4 7
> We are also associate with other organization
Total No of Districts 3 Nainital, 5 (Nainital, US
on different issues like Sa-dhan, Credibility
Alliance, solution Exchange, Mountain forum, covers US Nagar, Nagar,
SRC, Rampur Uttarkashi,Ramp
Government & Departments/ Govt.
ur, Moradabad)
Institutions Total no of staff 16 25
• Department of Rural Development &
PanchayatRaj. Govt. of Uttaranchal Bank/FI Loan 55 Lakh 110 Lakh
For Rural Development & Sanctioned to PAHAL
Supporting of PRIs etc.
for landing
• National Minority Development & 35 lakh 75 Lakh
Finance Corporation N. Delhi- Banks/FIs Loan
For Minority Development. Disbursed to PAHAL
• Department of Primary Education & for landing
Literacy, Govt. of India-
Total no of 2 NMDFC, 4 (NMDFC,
For Primary Education.
Banks/Financial Institution MFI/Banks Partners ICICI Bank ICICI Bank,
1. NABARD Nainital Bank &
2. SIDBI SIDBI

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