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Rural Mother Center (RMC)

Half of the total population of Bangladesh is women, most of whom are disadvantaged living in rural areas. The Department of Social Services under the Ministry of Social Welfare has been implementing the Rural Mother Center program (RMC) since 1975 for the empowerment, economic liberation and socio-economic development of these women. Father of the nation Sheikh Mujibur Rahman launched this program. The main objective of this program is to reduce family based poverty by organizing backward, disadvantaged, poor and troubled women by ensuring active participation of women. Through these activities, the low-income backward poor women of the Upazilla level rural areas are organized and their own capital is formed. Rural Mother Center (RMC) activities are being implemented with the participation of women who are capable of giving birth only.

At present, the program is running in 494 Upazillas of 64 districts of the country. The main objective of Rural Mother Center (RMC) is to educate and motivate poor rural women on the benefits of small family formation, adult education, health and nutrition, mother and child care, as well as micro-credit for economic development of the poorest, generating savings and increasing income through profitable activities. Under this program, interest free microcredit ranging from Tk. 10,000 to Tk. 50,000 are provided to each member. The loan is repayable in 10 equal installments with 5% service charge for a maximum period of 1 year.

Statistics on the progress of program implementation:

  • Number of Mother Centers: 11,915
  • Number of unions covered: 4322
  • Number of villages covered: 12360
  • Funds received: Tk. 118.2990 crore
  • Amount invested: Tk. 94.14 crore
  • Amount of reinvested funds: Tk. 164.20 crore
  • Service charge collected: Tk. 22.45 crore
  • Amount of party savings: Tk. 5.48 crore
  • Distributed recovery rate: 87%
  • Number of benefited families: 6 lakh 57 thousand families.

 

 Recipient:

  • Permanent citizen of Bangladesh
  • Resident of selected village
  • Party member of Palli Matrikendra Karmadal
  • Average family income: Tk. 0-50000, ‘A’ class (poorest)
  • Average household income: Tk. 500001-60000 ‘B’ class (poverty)
  • Average household income: Above Tk. 60001 (above rich / poverty line) ‘C’ class

 

Involvement of this program implementation:

The office of Director (program) under the Department of social Services implements these activities. In order to carry out the program smoothly, 1 additional director, 1 deputy director, 2 assistant directors, 1 deputy assistant director at the headquarters level and 8 directors, 8 deputy directors and 8 assistant directors of 8 divisional office headed by the director (program) to monitor the activities and concerned with supervision. In 64 districts, 64 deputy directors and 93 assistant directors supervise activities and coordinate between the field level and headquarters. At the field level there are 494 Upazila Social Service Officers are directly involved to implement this program. Upazila Social Service Officer and Upazila Nirbahi Officer are responsible as member-secretary and president of 'Upazila Activities Implementation Committee' respectively.

Service Center:

 494 Upazilla Social Service Offices.

 

Functions:

  • Village selection;
  • Village survey;
  • Formation of groups targeting the poor;
  • Formation of village / ward committees;
  • Provide literate knowledge;
  • Motivation on various social issues; (Family planning, backyard vegetable farming, social forestry, safe drinking water, sanitation, primary health care, nutrition awareness, family planning, pregnant mother care, vaccination of children, prevention of child marriage, awareness against women abuse and dowry, drug abuse Prevention, sending children to school, etc.)
  • Provide vocational and skills development training;
  • Application in the prescribed form for obtaining microcredit;
  • Selection of suitable borrowers for socio-economic development;
  • Execution of contract;
  • Provide interest free microcredit;
  • Support to build organization with own capital.

 

Areas of citizen cooperation’s:

  • Repayment of loan amount in 10 equal installments from the 2nd month after receipt loan by the beneficiary or in 1, 2 or 3 installments depending on the scheme with 5% service charge;
  • To Savings at fixed rates by the party members regularly;
  • Adherence to what members are made aware of through activities;
  • To co-operate with the authorities in recovering the loan if any beneficiary does not repay it regularly;
  • Provide information and assistance to the authorities in selecting the right village / ward and suitable borrower;
  • Inform the appropriate authority if any irregularity is observed in disbursement of loan.

 

Service Deadline:

  • First time loan disbursement: 1 month after village/ward selection;
  • Reinvestment: 20 days after application.