NEWSLETTER ISSUE NO:03 I SEPTEMBER 2013
K A L E I D O S C O P E Social Business
Inside
Insights
SOCIAL BUSINESS HIGHLIGHTS
Social Business Highlights 4th Annual Social Business Day’2013
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INAUGURAL CEREMONY OF THE 4TH ANNUAL SOCIAL BUSINESS DAY
Social Business Youth Convention’13 at DIU
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Turning visions into realities…
Social Business Game
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Social Business Forum’13 at NSU
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Social Business Academia at DIU
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Social Business in Progress Mexican state launches Social Business Fund
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Grameen Uniqlo opens two outlets
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USAID ties with Yunus on Social Business
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Social Business in Brazil
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Social Business in Africa
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Design Lab
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Accolades Forbes Award
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Influential Global Economists
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Public Reception for Professor Yunus
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Grameen Telecom Trust Brief 11th & 12th Board Meeting
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Social Business Project updates
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Nobin Uddogta (Young Entrepreneurs)
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Social Innovations
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Nobel Laureate Professor Muhammad Yunus speaking at the inaugural session.
“The idea of social business is spreading reading across the world d in in a serious seririou se ous d playing a significant role in solving way, opening many frontiers, and social problems” said Grameen Bank founder and Nobel Peace Prize winner Professor Muhammad Yunus on June 28, 2013 at the 4th Annual Social Business Day, 2013. This year about 1,000 participants from home and abroad gathered in Dhaka to participate in the event with the theme of “turning visions into realities” at the Radisson Blu Water Garden Hotel. The objective of this event was to create awareness about social business by sharing experiences of social business entrepreneurs and experts . Citing successes of social businesses, Professor Yunus said people working on spreading the idea of social business are being invited to solve social problems even in the developed world. “The European Union has made a policy on social business. Africa is also coming up, while Brazil is opening its doors for social business,” he noted. Continued on page 2...
The Nobel Laureate told the audience that people with very small amount of money can launch social businesses and become successful and thus solve a social problem. He ruled out the idea that only well endowed people, major corporations and foundations can set up a social business. The “Banker to the Poor” said his vision is to see one percent of the total investment of a country being made in social businesses within the next five years. “We have to show the success stories at the ground level. One example can change people’s mind,” said the microcredit guru. About the future of social business, Professor Yunus said, “We have just started social business. It will bring a paradigm shift in world business.” The occasion coincides with the birthday of Nobel Laureate Professor Muhammad Yunus. The day’s proceedings commenced with birthday wishes from friends around the world. Sir Richard Branson, owner of Virgin Group, with his team, wished Professor Muhammad Yunus through a pre-recorded video. Delegates from China came to the venue with placards reading “We need You” as a mark of respect for the Nobel Laureate. Speaking at the function, US Ambassador H.E W. Dan Mozena said Professor Yunus had not only given a model but also an opportunity to poor people to invest and lift themselves out of poverty and become contributing members of the society. The successful models of microcredit and social business have proved critics wrong; the banker to the poor is now termed the “dreamer and builder of new life”. Prince of Negeri Sembilan, Malaysia His Highness Yam Tunku Ali Redhauddin said social business has become a mainstream model rather than an alternative form of business. He said poverty had largely been eradicated in Malaysia, but some issues in the country are yet to be addressed. “We need social business not only to solve social problems in a country, but also to make the world a better place for everyone,” the Crown Prince said.
During the day, a web portal, socialbusinesspedia.com, was launched. It will have all the updates and realtime information about global social business activities. The web portal was jointly developed by Grameen Solutions and Grameen Communications. In addition the Social Business Marketplace showcased social business companies running successfully in Bangladesh and around the world giving clear insights into the world of social business. The stalls displayed various products and programs from countries in Asia, Europe and Latin America. Five successfully in progress Social Business projects screened at SB Design Lab of the Yunus Center were presented at the programme. The projects included: ID Group Project (Yunus Centre), Softy Project (Grameen Fabrics & Fashion Ltd), SDRS Social Business Project (SDRS & Grameen Telecom Trust), Blind Rehabilitation Project (Grameen Trust & Sampan Group) and Grameen Japan Auto mechanic Ltd. (Grameen Shikkha & SK Dream). Another part of Social Business Day was “reports from the academia” which featured presentation of reports from different universities around the world where social business is taught. Dr M Azizur Rahman, Vice Chancellor of Uttara University, Dhaka; Professor Dr Nurul Momen, Vice Chancellor of Dhaka International University; Professor Rafiqul Islam, Dean, Faculty of Business, Daffodil International University, Dhaka; Professor Cam Donaldson, Yunus chair in Social Business and Health, Glasgow Caledonian University, Scotland; and Dr Ashir Ahmed, Associate Professor, Kyushu University, Japan, presented the status of social business courses at their respective universities. Apart from aforementioned universities, other universities around the world have also introduced courses on the topic. The inaugural ceremony was followed by six panel discussions and two plenary sessions which were addressed by delegates from home and abroad. The whole event was smoothly anchored by Naveed Mahbub, Chief Entertainment Officer (Naveed’s Comedy Club).
SAVE THE DATES Global Social Business Summit 2013 November 7-9, 2013 in Kuala Lumpur, Malaysia www.gsbs2013.com
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World Social Business Day 2014 June 28, 2014 www.muhammadyunus.org
PLENARY SESSIONS AND PANEL DISCUSSIONS Social business - a powerful tool for solving social problems
A view of opening plenary session
Experts from home and abroad have called for using social business as a tool for development. Speaking at plenary sessions of the 4th Social Business Day programme, they said social business is an effective solution and powerful answer to social problems which can contribute to poverty reduction. Binod Chaudhary, Chairman of Chaudhary Group, Nepal, said, billions of dollars are spent every year around the world to lift people out of poverty. But their fates have not changed much. “The world will have to follow the philosophy of Professor Yunus to eradicate poverty. This is the way to go,” he said. Emmanuel Faber, CEO of France based Danone, told the opening plenary that social business is a highly innovative idea and powerful answer to social problems. He said more than a dozen French companies, with combined annual revenue of $200 billion, have set up social businesses in the country. Clementine Lalande, project manager of Yunus Social Business in Haiti, said social business is a powerful tool for developing the country (Haiti), which has suffered serious deforestation. Saskya Bruysten, co-founder of Yunus Social Business in Germany, said many governments in Africa
were interested in n the social business concept. Martin Loeffler, Chi Chieff E Executive Officer (CEO) off ti Offi Grameen Caldas, a social business consulting firm and incubation centre in Colombia, said the fledgling concept, which is the brainchild of Professor Muhammad Yunus, has already gained much momentum. “The idea has already got so much attention _ you just need to look at the number of people who have taken part in Social Business Day. Among them are lot of corporations _ so we see that they already believe in it.” UN Youth Champion Monique Coleman said social business was the new way to reach out to the people in need. With the charity model not being sustainable and exhausting, social business is the way to go. “This is a way to find a measurable and sustainable impact of the solutions intended to help people,” she said. The Hollywood actress also said the younger generation was imbedded with the idea of social business. “So, we will have to raise awareness and convince younger generations.” Ms. Parveen Mahmud FCA, Managing Director, Grameen Telecom Trust and Ms. Lamiya Morshed, Executive Director, Yunus Centre also participated the sessions among others.
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PANEL DISCUSSIONS
A view of evening plenary session
The event also created an opportunity for participants to engage in various interactive panel sessions and workshops to broaden their understanding in their relevant areas of interest. Discusion topics included “Entrepreneurs and Investors,” “Social Business: Youth and Technology,’ “Social Business and Healthcare”, “NGOs and Social Business”, “Microfinance as Social Business” and “Social Business & Academia”. In a panel discussion on microfinance and social business, Larry Reed, director of Microcredit Summit Campaign, said entrepreneurs of social business would have to ensure that their services and products really solve a problem. social proble
heir salaries, rather than iincreasing ncre reas asin ing for increasing their or the intended beneficiaries. This will social benefits for be major challenge for social businesses.” Daniel B Zoltani, Asia Pacific regional director for the Whole Planet Foundation, said social performance, instead of economic performance, would have to be given priority in social businesses. He is opposed to any regulation for social business at this stage of the growth of the concept. Rokia Afzal Rahman, president of Metropolitan Chamber of Commerce and Industry, Dhaka, said students were increasingly interested about the social business. She also said sometimes profit maximization should not be a target for a business. “Doing businesses for others does solve problems of some people, but also give peace to the entrepreneurs,” she said during the panel discussion on “Social Business: Entrepreneurs and Investors”.
A view of panel discussion
He said a social accounting tool could also be put put ut in in place so clients are served as intended, so social so ocial businesses do not face the same bad repute as microcredit did in India, putting the whole industry around the world under tremendous pressure. “Mission drift could happen if there is dividend for social businesses. Or, people could start working only
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Stall of Grameen Telecom Trust at Social Business Marketplace
SOCIAL BUSINESS YOUTH CONVENTION FORUM’13 HELD AT DIU In a convention on Social Business organized by ess, Daffodil University, Yunus, pioneer of social business, ents called on the younger generation to become “agents ocial of change” through their creativity. Describing social onal business as a “mind game”, Daffodil International University’s (DIU) Trustee Board Chairman and President of Dhaka Chamber of Commerce and Industries Sabur Khan chaired the programme.
SOCIAL BUSINESS GAME: INVOLVING YOUNG MINDS TO AN INNOVATIVE LEARNING ROUTE An alternative way is discovered by SBSF for better understanding the concept through computer games. It is called Social Business Game. It is a learning plus strategy development game. By playing this, a gamer will easily understand what social business is, what the seven principles of social business are, how to do the business and how to solve social problems using the power of social business. This is for the first time, not only in Bangladesh, but also in the world such a game is developed. This is a common platform for the young generation of all walks where they discuss plan, generate idea, and invite others to be in the movement. Presently social business is gaining popularity around the world. Relentless efforts are taking place to popularize the concept and groups like SBSF are also associated with this process.
Social Business Game
Many groups and d associations are coming com min ing g forward forw fo rwar ard d to cept of social business among the explore the concept group namely Social Business community. A group, Students forum (SBSF) under the leadership of Masud IBN Rahman, Head of Social Business Cell, Daffodil International University and Chief Advisor, SBSF, has been continuously working on social business issues since 2012.
T game was inaugurated by Professor Yunus for The th first time on 29 June 2013 in a Social Business the Y Youth Convention 2013 organised by DIU and SBSF in collaboration with Yunus Centre. Tw more social business learning based games are Two d designed by Mr. Imran Mahmud, a member of the S Social Business Cell of Daffodil International U University. Those are ‘SB Snake and Ladder’ game and ‘SB Monopoly’ game. SBSF believes that learning through fun is always interesting. This young team has a plan to create a series of SB games that will attract the interest of mass people.
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SOCIAL BUSINESS FORUM’13 HELD AT NSU Professor Yunus spoke at the closing ceremonyy of outh the “Social Business Forum 2013” at North South kar, University in Dhaka. Professor Amin U Sarkar, ir of vice-chancellor of NSU, MA Hashem, former chair the NSU board of trustees, Ragib Ali, chair of the NSU board of trustees, Abdul Hannan Chowdhury, ury, dean of school of business of the university, and Shihab Ahmad, Chief Commercial Officer of Banglalink, also spoke at the programme.
Dhaka International University organized a Social Business Academia-2013 a-2013 (Integrating Business into f M h dY Academic Arena) meeting on 29 June 2013 in which Nobel Laureate Professor Muhammad Yunus was th the Chief Guest.
SOCIAL BUSINESS IN PROGRESS
MEXICAN STATE LAUNCHES $4.5M SOCIAL BUSINESS FUND WITH YUNUS Veracruz, a state of Mexico, has launched a $4.5 million social business fund after its governor was deeply inspired by the new business concept developed by Nobel Laureate Professor Muhammad Yunus. Javier Duarte de Ochoa, governor of Veracruz, announced the launch of the fund during a visit of the founder of Grameen Bank to the third richest state of Mexico last week. M Nobel Peace Prize winner Muhammad Yunus delivers a lecture in San Juan de Ulua in the Mexican state of Veracruz on July 19.
Nearly 1,000 borrowers, all of whom were women, N gathered in a city hall in a festive environment to meet g Yunus. Y
GRAMEEN EEN UNIQLO OPENS TWO OUTLETS IN DHAKA Grameen Uniqlo, a social business initiative of Fast Retailing Co Ltd, opened its first two outlets in Dhaka — one in New Elephant Road and another at Banasree.
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Japanese Ambassador to Bangladesh H.E Shiro Sadoshima, Grameen Uniqlo Managing Director Yukihiro Nitta and Chief Operating officer Tadahiro Yamaguchi were present at the opening ceremony of the New Elephant Road outlet.
‘Yukihiro Nitta said, ‘We are committed to Bangladesh in offering our quality, comfortable and affordable clothing.’
Grameen Uniqlo produces the collection in Bangladesh using locally sourced materials, providing highly practical items in a range of colours made from soft and stretchy synthetic fibre made by locals.
USAID TIES UP WITH YUNUS ON SOCIAL BUSINESS Yunus Social Business (YSB) has recently joined ned onal hands with the US Agency for International Development (USAID) to work together to promote mote ocial entrepreneurship and the development of social business amongst vulnerable and under served ved communities around the world. Nobel Laureate Professor Muhammad Yunus and al in USAID Administrator Dr Raj Shah signed a deal Washington DC to foster market based solutionss to the critical social and economic challenges the world’s poor now face. “I am delighted to announce this new partnership between USAID and YSB to support our social business initiatives across the world,” said Yunus, the chairman of YSB.
Right, Nobel Laureate Prof Muhammad Yunus and USAID Administrator Raj Shah pose with the agreement.
SOCIAL BUSINESS INITIATIVE LAUNCHED IN BRAZIL Nobel Laureate Professor Muhammad Yunus nus launched a number of social business initiativess in Brazil as the Bank of America announced the creation of a Social Business Fund for Brazil. ESPM, a leading business school in Brazil, also launched a Yunus Social Business Centre which will work in developing academic curricula focusing on social business.
YUNUS, AfDB LAUNCH 'SOCIAL BUSINESS' USINESS' IN AFRICA The African Development Bank (AfDB) and Yunus Social Business officially launched the Holistic Social Business Movement (HSBM) in Africa. The program includes pilot projects in Togo, Tunisia and Uganda.
The program will be implemented in two phases: the first involves increasing awareness and capacity-building of stake holders in Social Business; second, setting up of social business incubation Continued on page 8...
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funds in Tunisia and Togo. This program is part of the Bank’s Joint Initiative on Youth Employment in Africa, in partnership with the African Union Commission, United Nations Economic Commission for Africa and the International Labour Organization. The HSBM is a two year program, funded by a grant from the Government of Japan and co-financed by the AfDB.
SOCIAL BUSINESS DESIGN LAB The 4th, 5th, 6th and 7th Social Business Design Labs took place at Yunus Centre on 4th May 2013, 15th June 2013, 5th July 2013 and 17 August 2013 respectively. Participants from different organizations attended the programs. The Social Business Design Labs were chaired by Nobel Laureate Professor Muhammad Yunus. The Design Labs were divided in three major parts social business project presentation, update of past social business projects and launching of new social business projects. The 7th Social Business Dedsign Lab was live streamed over the internet and social business enthusiasts and people around the world tuned in. New social business plans were presented at the Social Business Design Lab. Three projects by Nobin Uddogtas (Young Entrepreneurs) were presented at the 7th Design Lab. “Nobin Uddogtas” are children of Grameen Bank borrowers aged 18-35 striving to commence business ventures, thus becoming job providers instead of job seekers.
All business plans were then intensively discussed in six different groups. Each group came up with necessary recommendations. Each project outlined a timeline for implementation. Finally the participants selected one Project Bondhu (Project Friend) for each project to act as a mentor to finalize the plan. Professor Yunus thanked the participants for coming up with innovative social business plans and encouraged the designers to implement the projects and for other participants to support them. A social business initiative by JMI Pharmaceuticals Ltd titled “E Medicare Telemedicine Social Business Project” was launched on the same day. This project aims at providing healthcare services to remote locations from a central hub by engaging an expert team of professionals and mobilizing the right technical resources. Upcoming design labs are planned to be streamed live on the internet. For more details please visit the website: www.muhammadyunus.org
7th Social Business Design Lab was live streamed on August 17, 2013. Social business designs were presented, discussed, and funding was mobilized in the event. Nobel Laureate Professor Muhammad Yunus presided over the discussion.
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Quotable Quotes... “When I say social business, I mean the idea of business with a cause. In this form of business, the company can recoup their money invested but cannot take away any dividend beyond that. In the case of garment industries, we are thinking about creating social business to help the workers by creating a tag – the ‘Happy Workers’ tag”. Nobel Laureate Professor Muhammad Yunus
ACCOLADES
FORBES AWARD: Forbes 400 Summit on Philanthropy second annual Forbes 400 Summit on Philanthropy in New York on June 5, 2013. More than two hundred of the Forbes list of 400 billionaires gathered at the UN to recognise microcredit pioneer Professor Yunus and business tycoon Buffett with lifetime achievement awards. Yunus addressed the gathering to invite the richest businesses to be involved in social business, a concept he introduced to address social problems. He also proposed that 10 percent of philanthropy money from each person attending the Summit could be invested each year in social business. b Nobel Laureate Professor Yunus and US billionaire Warren Buffett pose with others for photographs as they were honoured with life time achievement awards at the Forbes Summit on Philanthropy in New York.
Nobel Laureate Professor Muhammad Yunus and and US billionaire investor or Warren Buffett were honoured before the world’s wealthiest business leaders at the
Other participants included Bill Gates, Bill Ackman, O famous rock musician Bono, Ray Chambers, Paul fa Tudor Jones, Peter G Peterson, Stephen T Schwartzman, and Jeff Skoll. S All the high networth people of the world who A assembled at the Summit gave a standing ovation to a Professor Yunus and Buffett on receiving the awards. P
YUNUS PUT AMONG TOP INFLUENTIAL GLOBAL ECONOMISTS Nobel Laureate Professor Muhammad Yunus featured as one of the most influential business thinkers in a new ranking compiled by The Wall Street Journal. Others in the list are Joseph Stiglitz, Bill Gates, Michael Porter, Thomas Friedman, Eric Schmidt,
Richard Branson, Malcolm Gladwell, Robert Reich, Jack Welch, Niall Ferguson, Michael Dell, Howard Gardner and Jimmy Wales. The results were based on Google hits, media mentions and academic citations.
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PUBLIC RECEPTION FOR PROFESSOR YUNUS Over 40 non-political, social and cultural organisations honoured the founder of Grameen Bank for winning the Congressional Gold Medal, the highest civilian award of the United States, in recognition of his efforts towards combating global poverty in April this year. This public reception was accorded to him on 02 August 2013 at the auditorium of Institute of Engineers,
Bangladesh in the capital organized by People’s Reception Council. Language Movement veteran Abdul Matin, eminent jurist Barrister Rafiqul Haque, former secretary M Moniruzzaman and convener of the reception organizing committee MM Mehebub Rahman were present among others.
GRAMEEN TELECOM TRUST BRIEF
11TH & 12TH BOARD MEETINGS OF GTT HELD The 11th & 12th Board Meetings of Grameen Telecom Trust (GTT) were held on May 12, 2013 and June 30, 2013 respectively. It was chaired by Honorable Chairman of GTT Nobel Laureate Professor Muhammad Yunus. Different
departments informed the Board of Trustees of various operational updates. After the presentations and discussions, the board took a number of decisions and set strategic action plan.
SOCIAL BUSINESS PROJECT UPDATES Social Business Learning Centre (SBLC)
SKS Social Business Project Launch
Through Social Business Learning Centre (SBLC), Grameen Telecom Trust (GTT) works for promoting the dialogue, implementation and awareness relating to the concept of Social Business. The groups who SBLC aims to engage include young entrepreneurs, women entrepreneurs and leaders from business associations/federations, business corporate, NGOs working towards settings up social businesses for socioeconomic development of Bangladesh.
On June 16, 2013 a Memorandum of Understanding (MoU) was signed between Grameen Telecom Trust (GTT) and SKS Foundation to launch the second social business project. This is an initiative under the Social Business Learning and Innovation Fund by GTT. The project titled SKS Social Business Project, aims to create income and wealth for ultra poor people in the district of Gaibandha by promoting sheep rearing.
Employee induction programs, in house social business trainings and trainings by Grameen Danone Foods have been undertaken at the SBLC between June and August 2013.
SKS Foundation and Grameen Telecom Trust also signed an “Operations Agreement” at 7th Design Lab held at Yunus Centre on 17th August’13. Managing Director of GTT, Ms. Parveen Mahmud FCA signed the agreement with Chief Executive of SKS foundation, Mr. Rasel Ahmed Liton.
Projects at the Social Business Design Lab Projects presented by Grameen Telecom Trust at the Design Labs include: DABI Powerloom project, Akhoni.com Social Busi-ness Project, BASA Honey Social Business Project and Coco-Pith Plastic Compound Industry of Bagerhat (HELP-LIFT Program). Continued on page 11...
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Projects in Pipeline from GTT BASA Honey Social Business Project The BASA Honey Social Business Project plans to provide locally produced safe, hygienic and scientific
honey all over Bangladesh. The initiative plans to cover areas such as Tangail, Gazipur, Jamalpur and Sirajgonj. This project will provide locally produced safe and hygienic honey all over Bangladesh. The impacts expected from this project include promotion of a nutritious product reduction of health problems, employment generation for a marginal community (bee farmers) and encouraging ecological pollination that will assist farmers for attaining greater production. HELP Social Business Project
Agro-Processing Industries (Pvt) limited proposed a Social Business Project based in Bagerhat at the 7th Social Business Design Lab. The proposed project involves production of Coco-pith plastic compound (CPPC). Coco-Pith Dust, an organic waste of existing industries will be added with Recycled Plastic, an urban waste, to produce CPPC, a better substitute of natural timber. The impacts from this project include, value addition to two waste resources, reduction in use of natural timber and promotion of cottage industry in knock down furniture thus preventing additional imports.
The proponent HELP, in conjunction with Nurjahan
GTT & SKS Foundation are signing Operations Agreement to launch the project
NOBIN UDDOGTA (YOUNG ENTREPRENEURS) Under the Social Business unit of Grameen Telecom Trust, a program titled, Nobin Uddogta (Young Entrepreneurs) strives to engage children of Grameen Bank Borrowers within the age group 18 to 35 in various business activities such that they are able to create employment opportunities for others instead of looking for employment for them selves. The very first drive to ascertain this group of young entrepreneurs was launched on July 2, 2013 in Comilla. The first ‘Screening Exercise’ was held at the Bangladesh Academy of Rural Development
(BARD) involving 28 participants who came from Comilla Zone. The day long exercise included briefing, discussion and break away sessions. The primary objective was to undertake a comprehen-sive communication of the program and create awareness in this regard. At least four to six entrepreneurs and their business plans were assessed to have positive prospects for investment. Initially one project was presented by “Nobin Uddogta” at the Social Business Design Lab. The name of the project was Adarsha Livestock Farm. It Continued on page 12...
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was presented by Md. Emran Hossain, son of a Grameen Bank borrowers from Comilla. He has gathered 5 (Five) years of experience in the Business by closely working with family members. He has now taken it up a full time involvement.
As the Design Lab was live streamed through the internet, a viewer, Mr. Minhaz Anwar from Team Bizcube, an initiative of BetterStories Limited, a pioneering private sector concern in Bangladesh, offered to become an investor of the venture.
Screening Exercise Participants with Grameen Telecom Trust Team at BARD, Comilla
SOCIAL INNOVATIONS: Transforming Lives Grameen Telecom Trust (GTT) was formed in 2010 with the vision of building social business for serving humanity’s most pressing needs. Recently Mr. Md. Borkot Hossain joined GTT as Officer, Internal Audit. Mr. Md. Borkot Hossain Hossain is the son of Ms. Jahanara Begum, a Grameen Bank Borrower since 1993. Ms. Begum (Membership ID:5064, Group:15, Center:11M) belongs to the Hosnabad branch, Barisal and has been receiving micro loans even today. Mr. Hossain received BDT 82,000.00
Published by Grameen Telecom Trust Corporate Office: House-132, Road-2 Block-A, Section-12, Pallabi Mirpur, Dhaka 1216 Tel: 88-02-8059935, 8059938, Fax: 88-02-8059921 Email: info@gtctrust.com, Website: www.gtctrust.com Follow us on www.facebook.com/gtlctrust
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educational loan from Grameen Shikkha (repayment ongoing), and has completed his graduation and post graduation in Accounting from Jagannath University, Dhaka. He received an Income Tax Practitioner Ms. Jahanara Begum Certificate (IPC) from National Board of Revenue (NBR). Mr. Hossain is currently pursuing the Application Level qualification of Chartered Accountancy Professional under the Institute of Chartered Accountants of Bangladesh (ICAB).
Grameen Telecom Trust KALEIDOSCOPE Advisor: Professor Muhammad Yunus Executive Editor: Parveen Mahmud FCA
Editorial Team: Abu Md. Munayeem Mirza Tabassum Prometheus Siddiqui Muhammad Faisal Alam