Hand-note for scripting CBO Owned and Managed Business related to Fisheries (Inland & Marine) and
it’s Associated Occupations in Sagar Block, Template for Assessment on Thematic Area – Dry
Fish Business under ICZMP’s Livelihood Component &
Framework & Guidelines for release of fund (tranches) related to IGA from SPMU
Page 1 of 15
CBO Owned and Managed Business related to Fisheries (Inland & Marine) and
it’s Associated Occupations in Sagar Block – Template for Assessment on
Thematic Area – Dry Fish Business under ICZMP’s Livelihood Component
Livelihood development in Sagar Block has started rolling out through community
contracting approach and in order to have an understanding to the extent how the
investment has been utilized and the improvement’s that were registered the
following is needed to be documented:
A> Background Information
Serial No: Description of the information solicited Information to be
filled in
1 Name of the GP
2 Name of the revenue villages attached with
fisheries(Inland & Marine) and it’s associated
occupations
3 No. of fishermen/ fisherwomen households in the GP
4 No. of CBOs (mentored by the consultant NGO)
whose members either collectively or in individual
terms were linked with business related to fisheries
and it’s associated occupations in the GP
5 No. of mentored CBO members engaged with
business related to fisheries and it’s associated
occupations in the GP
6 Type of fishing activity- inland or marine/ offshore
or both etc. happened in the GP
7 No. of mentored CBO members engaged in inland
and/or marine or both types of fishing and allied
activities in the GP.
8 Fish landing center in the GP(specify location)
9 No. of Khotis in the GP and name of the place where
it is actually established
9 Total no. of members associated with Khotis located
in the GP (includes mentored CBO members, non –
mentored CBO members and others)
10 Important fish markets within the GP and outside (
Sagar Block and other important markets outside
Sagar)
11 No. and type of capacity building programmes on
fisheries and it’s associated trade conducted by the
consultant NGO under ICZMP. State in detail the no.
and name of the CBOs along with the number of
members who have attended the aforesaid
programmes. Delineate briefly the course content of
the programmes.
12 Behavioural changes observed on the capacitated
CBOs (1) immediately after the programme and
(2)before and after a business cycle/ season
Page 2 of 15
B> Briefly elucidate the spate of fishing related activities in general and the
work components that were executed by the contracted CBOs in the GP. State
the main stakeholders i.e. the fishermen/fisherwomen, wholesalers, retailers,
beparis aratdars etc. Specify the role played by the functionaries from GP, Block
and Fisheries Dept. and etc.
C> Snapshot of the contracted CBO informatics as on ……..
Serial No. Description of the information solicited Information to be filled in
1 Name of the CBO
2 Name of the Gram Panchayat
3 Name of Consultant NGO
4 Area where the said IGA was implemented
5 Date of formation of CBO
6 CBO’s Member details ( gender and caste;
specify if the CBO includes members from
the minority community)
7 Economic condition of the members of the
CBO
8 Last grade achieved – based on NGO’s
assessment also state the parameters used
9 Main signatories of the CBO
10 Occupational pattern of the CBO members
11 Whether the CBO has ventured into
common group activity which are either
social or economic in nature
12 Monthly subscription rate of the members
13 Interest rate for the members with respect
to inter-lending of the corpus fund
14 Aggregate amount of the corpus fund
(internal savings+ externally sourced fund)-
at least 3 financial years data needs to be
jotted
Page 3 of 15
15 Aggregate amount of internal savings/
subscription till date-at least 3 financial
years data needs to be jotted
16 Aggregate amount of loan disbursed within
its members till date-at least 3 financial
years data needs to be jotted
17 Aggregate amount of external loan taken by
the CBO from Bank/ MFI till date-at least 3
financial years data needs to be jotted
18 Aggregate amount of revolving fund/ capital
subsidy/ interest subsidy received by the
CBO from other line departments till date-
(mention source of fund along with
quantum) - at least 3 financial years data
needs to be jotted
19 Aggregate amount of interest income
earned by the CBO till date- at least 3
financial years data needs to be jotted
20 Aggregate amount of principal and interest
payment on account of external loan till
date- at least 3 financial years data needs
to be jotted
21 Involvement of the ICZMP with the CBO
with respect of EPA, IGA and Capacity
Building
22 State briefly the process of need
identification and selection of the CBO.
State the PRA tools applied.
Page 4 of 15
D> Snapshot of CBO’s contract and fund transfer to CBO’s account
Serial
No.
Description of the information solicited Information to
be filled in
1 Contract No
2 Contract Value
3 Contribution of SPMU -ICZMP
4 Community Contribution ( CBO/ CBO members)
5 Description of Work Component & Place of execution of
the IGA
6 Date of signing of contract
7 Contact number of the important functionaries of the CBO
8 Whether the CBO will utilize the grant from SPMU in CIG
mode or in individualistic mode. If it is in individualistic
mode then specify the name of the beneficiaries in whose
favour the allocations to be made in the form of loan by the
CBO as per the contact document
9 Amount transferred to CBO’s account along with the date of
receiving the tranches from SPMU
10 Quantum and date of redistributing the fund amongst the
contracted members by the CBO- provided the approved
business proposal and contract document endorses the
same-mode of transfer of fund
11 Repayment done( principal+interest) vis a vis the
repayment schedule of the contracted CBO members in
aggregate terms
Page 5 of 15
E> Income Generation Activity & Execution of contract
E.1> Delineate the MIP (micro investment plan) along with the repayment
schedule as proposed. State the specifications of the items to be brought,
involvement of manpower and etc.
E. 2> Statement on actual investment done for dry fish business and
consequent mobilization of own resources or loan from CBO/ Bank/
MFI/Private lenders
Assets/Equipment employed ( tangible)
Amount(in Rs) paid as rental or the Approximate Value Assets/Equipment employed that was employed
State whether its owned by the CBO member or loaned from external sources or NA
Consumables (specify the Items)/inventory
Approximate Value/Amount(in Rs) paid/ to be paid
State whether its owned by the CBO member or loaned from external sources or NA
Labour( include notional /Irrigation/ local cess/ electricity/miscellaneous charges
Approximate Value/Amount(in Rs) paid/ to be paid
State whether its owned by the CBO member or loaned from external sources or NA
Total investment outlay
Note: Assets or consumables stated above may be with the CBOs/CBO members even
before SPMU’s intervention but the concerned CBOs/CBO members have utilized in the
business cycles where the fund infusion from SPMU’s end had taken place
or The same may be mobilized by the CBOs/CBO members once the fund is being injected
from SPMU’s end.
E. 3> Source of fund in the business cycles that ensue after infusion of fund
from SPMU:
SPMU’s contribution
(in the form of loan to the member through the contracted CBO) ………
CBO members’ own contribution/ Own Equity……..
Loan from CBO’s own internal savings other than SPMU’s contribution…….
External Loan accessed by the CBO/ CBO members’ as the case may be …………….
from Banks/MFIs/Private bodies
_________________________________________________________________
Total
________________________________________________________________________________
Page 6 of 15
F> Procurement
Whether the CBO followed the community procurement manual?
If yes, state the date of publication of tender, opening of tender and issue of
work/purchase order. If not specify the reason.
If not, state the reasons for deviations and also state how it was done?
Statement on procurement related expenditure as part of the MIP
Material/Item
Name including
Specification
Vendor Name Rate Quantity Amount(in Rs)
(A)
Labour
(skilled/ unskilled/
any other)-include
own and family
members too
apart from hired
ones- even it may
be a notional cost
No. of persons
engaged
Rate No: of days Amount(in Rs)
(B)
Input Cost [A+B+ Overhead (transportation, marketing& others)]:
Average input cost per kg of output generated
Statement on utilization of 1st/2nd/3rd instalment from SPMU
Specify the items/materials procured Amount(in Rs)
Labour Payment (if any) include own and
family members too apart from hired ones
even it may be a notional cost
Amount(in Rs)
Page 7 of 15
G> Physical execution of the work component & computation of financial
returns.
Period of fishing including tentative duration of time spend on the
sea/estuary/rivulets creeks/ponds/reservoir as the case may be
Man-days generated for fishing (include own and family members contribution in the
labour component)
Area of operation(Specify the zone of fishing along with the area of drying the catch)
Volume of catch (in kgs) in a business cycle
Type of catch (species) with quantum of catch per species (approx.)
Sate whether the CBO/ CBO member as case may be sells raw fish or dry fish or
both.
Specify the process of preparatory activities for fishing, fishing, sorting, grading,
drying, marketing and selling catch by the …………………… CBO/CBO member. Specify
the period of the activity along with no. of persons engaged and man-days generated
for carrying out the aforementioned activity in real terms.
Volume of output generated from the catch (tentative estimate on the basis of the
catch) species wise. Specify the weight loss of fishes due to drying on the basis of
species
Sub classify the volume of output species wise in terms of
Dry fish for human consumption
Fishmeal
Any other ( specify)
Involvement of Labour component -actual
Labour
categories
Engagement (%) Labour cost Man-days
generated Fishermen
/fisherwo
men with
the
members
of the
family
Hired
labour
Total
Huma
n
Labour
Used
Fishermen
/fisherwo
men along
with the
members
of the
family
Hired
Preparatory
activities for
fishing
Fishing
Sorting
Processing the raw
catch
Drying
Grading and
sorting of the
output
Pesticides use (if
any)
Harvesting
packaging,
labelling, etc.
Loading and
unloading charge
Transportation
Page 8 of 15
Labour
categories
Engagement (%) Labour cost Man-days
generated Fishermen
/fisherwo
men with
the
members
of the
family
Hired
labour
Total
Huma
n
Labour
Used
Fishermen
/fisherwo
men along
with the
members
of the
family
Hired
charge
Marketing & Selling
Total
Income Generation
Statement on volume of trade
Type of Species Rate per kg(in Rs) Quantity sold Amount received
No. of species
traded:
Average rate per
Kg:
Total : Total :
Specify the nutrition value of the dried fish for human consumption
Explain the types along with the tentative value of community contribution
Specify the name of the important buyers and market where the produce (dry
fish and/ or fishmeal) is being offloaded. Corroborative evidence of sale
transactions may be enclosed herewith.
Revenue yield per kg of dry fish sold
Average price that the end consumer has to pay per kg/ or any
other unit of betel leaves that was sold by the grower/ cultivator
Name of the CBO/ CBO
member
Family labour
income
Farm business
income
Farm
investment
Page 9 of 15
Loan Repayment Schedule
Name of the
CBO member
Period(Date) No. of instalment
paid back to the CBO
Principal
amount(in aggregate
terms)
Interest
amount(in aggregate
terms)
Total
Loan Collection Performance (CBO member wise):
Total principal payments made on loans due during the period
Total loan principal due
Pictures of the different phases of the activity/ work component as far as
possible showcasing the entire business cycle
Statement of Profit earned/ Loss incurred in a business cycle
Revenue earned / sale proceeds:……..
Less:
Procurement Expenditure: ………………………………….
Overhead expenditure ( marketing+transport): ….
[Not related with production process directly]
Loan repayments (including interest factor:………..
Obsolescence of capital items ( approx.):……………..
Others if any (specify)
_____________________________________________________
Profit earned/ Loss incurred:
___________________________________________________________
While computing the expenditure side the following to be included
Labour(hired and own contribution)
Hired machinery/boat charges including rent
Cost of insecticides
Cost of materials for construction/repair of “Khoti” and etc.
Land revenue, and other local taxes
Depreciation on farm implements/machinery and etc
Interest on capital, miscellaneous expenses (repairs to farm implements and
artisans)
Page 10 of 15
Grading & Packing charge
Loading and unloading charge
Transportation charge
Storage charge
Spoilage charge
H> Explain briefly the challenges faced by the contracted CBO/ CBO members
in implementing the work component with respect to the following:-
S.
No
Constraints Fishermen/fisherwomen
response
(in a scale of 0-10) *
Fishermen/fisherwomen
response
(ranking)**
Remark
A. Agro-
Biological &
Environmental
1. Wind/ cyclonic
thunderstorms
2. Availability of
catch
3. Perishability
4. Storm surge/
tidal surge
5. Lack of varietal
improvement
6. Pests
B. Inputs and
other related
aspects
1. Capital Flow/
credit
2. Interest on
capital
3. Institutional
finance
4. Labour
5 Procurement
centre for
supply of inputs
6. “Khoti”
construction
7. Supply of water
8. Presence of big
trawlers
9. Insecticide/
Pesticide
10. Storage/
Warehousing
facilities
11. Marketing
facilities
12. Transport
facilities
13. Price volatility
14. Technical know-
how
Page 11 of 15
S.
No
Constraints Fishermen/fisherwomen
response
(in a scale of 0-10) *
Fishermen/fisherwomen
response
(ranking)**
Remark
15. Presence of
intermediaries
*Note: If the magnitude of the problem is severe or higher then the no. allotted should
tends to 10 and vice versa
** Note: The ranking should be done in an increasing order
I> Benefit accrued both in tangible and intangible terms by the contracted
CBO/ CBO members (in individual and collective terms)
J> Involvement of the mentor NGO in terms of social capital (Social capital
basically comprises the value of social relationships and networks that
complement the economic capital for economic growth of an organization)
development for providing support services like inputs, technology, extension,
market information, marketing facilitation, etc. The role of NGO should also
specify its facilitation in terms of procurement, documentation of the chain of
events, maintenance of CBOs financial records and providing input to the CBO
in the form of business process analysis and cost benefit analysis respectively.
1. The above noted points required to be documented in every business cycle in order to
capture the cumulative growth and multiplier impact that happens due to infusion of the
grant money to the CBO.
2. a. ICZMP finances multiple MIPs of the members of the contracted CBOs embedded in
a single investment outlay where the said members receive the grant money as loan
from the CBO to take up a set of heterogeneous or homogenous activities separately.
The members (loanees) will repay back the loan with interest to the contracted CBO as
noted in the approved business proposals. In this process CBO will earn the interest
amount and share the same with its members as interest income accrued from revolving
fund.
b. ICZMP also finances collective business models where a CBO on its own ventures into
a single activity from grant money and recapitalizes its revolving fund with the profit
generated from the said activity. The profit generated may be distributed as dividend to
its members if the CBO desires such.
Depending upon the propositions as stated above (point a and b) the template should be
filled in both separate and aggregative manner as the case may be.
Page 12 of 15
Framework & Guidelines for release of fund (tranches) related to IGA
from SPMU
(to be filled up by CBO )
1. Whether CBO received, read and understood the following :
(i) Proposal, (What to be done)
Yes/No
(ii) Agreement Document (role and responsibilities for
implementation and follow-up),
Yes/No
(iii) Community Procurement Manual(how to purchase
materials, services etc)
Yes/No
(iv) Community Financial Manual (how to keep accounts for
expenditure related to IGA, how to make payments, what and how
documents to be submitted to SPMU etc).
Yes/No
2 Whether CBO received the cheque book from their Bank
Yes/No
3 Write name of Bank, Branch, branch code IFSC Code for RTGS and account
number of CBO
Bank : Branch :
Branch Code : IFSC Code :
Account Number :
4 Whether Purchase Committee has been formed? if yes, provide the
list of members.
Yes / No
Name of the Member :
Each
member
understood
their role
1.
Yes/No
2.
Yes/No
3.
Yes/No
4.
Yes/No
5.
Yes/No
6.
Yes/No
5 Whether Social Audit Committee IGA has been formed? If yes, (1)
Provide list of members with position and (ii) role and
responsibilities of this committee :
Each
member of
the
committee
understand
their role.
Name
Position/background
Page 13 of 15
1. Yes/No
2. Yes/No
3. Yes/No
4. Yes/No
5. Yes/No
6. Yes/No
7. Yes/No
8.
Yes/No
(ii) Role & Responsibilities of Social Audit Committee
6 Any meeting/orientation of members (Social Audit Committee) was
held / done?
Yes/No
7 Present BookKeeping system of CBO is up-to-date?
Yes/No
8 Preparation and submission of simple operational plan (provide
number of days) of IGA
Step I
Step 2
Step 3
Step 4
Step 5
Sub Activity
No of
days
9 When the work will start?
10 When the work will complete?
11 On which sub-activities community contribution will be utilized?
12 Formulation of sustainability/business continuity plan along with a
statement on social capital formation, investment cycle and
consequent enhancement of CBO’s corpus :
_______________________________________________
Signature with date of CBO functionaries (at least two)
--------------------------------------------------------------------------------------
Comments / observation of consultant NGOs (if any)
Name & Signature of NGO Coordinator with date
--------------------------------------------------------------------------------------
Page 14 of 15
Procedure to be followed for Income Generation Activities (EPA) :
1. Adherence to community procurement manual and community financial manual
respectively are mandatory for the contracted /CBOs
2. In case of purchase beyond Rs.5000/-, procurement of goods and services to be done
using National Shopping Procedures.
3. Any payment beyond Rs.5000 is required to be paid in cheque.
4. The CBO is required to put up a Sign Board at the worksite.
5. NGO is required to assist respective CBOs to maintain the detail accounts of IGA
along with bills, vouchers, tender documents, quotations, muster roll and etc. as per
normal accounting norms
6. In case of release of first instalment the CBO is supposed to submit the following to
SPMU:-
a. Photocopy of the front page of the bank pass book as well as the last
transaction page, cancelled blank cheque. Photocopies should depict clearly bank
name, branch name, IFSC code, account holders name, account no.
b. Photocopy of the resolution of CBO to undertake the activity
c. CBO’s application stating clearly its own name, bank name, bank account no.,
contact details of CBO, request for amount to be released
d. NGOs forwarding letter in endorsement of CBO’s application
7. Release of successive tranches may be taken up once the following documents were
submitted:
o CBO application to SPMU where it should mention that it had completed the work as
per business plan and terms of contract - duly certified by consultant NGO
o Note on clear ownership of SPMU financed items procured or infrastructure created
coupled with sustainability and obsolescence factors by the CBO.
o Resolution of the Purchase Committee
o Certificate of Social Audit Committee that the grant was utilized as per terms of
contract and approved business proposal.
o Photographs with ICZMP’s signature at the place of execution of IGAs - as far as
possible (the same should be done in line with EPA).
o Photocopies of all tender documents, quotations resolutions, comparative statement,
purchase/ work order, bills, vouchers, CBO’s bank pass book and cash book
highlighting the transactions that were actuated to the SPMU.
o Bank reconciliation statement, receipts payments account and income expenditure
account
o Filled in Template for Assessment on Thematic Area – Dry Fish Business
Page 15 of 15
All the aforementioned documents originating from CBO should be signed and stamped
by the signatories of the tripartite contract from concerned CBO’s and NGO’s end. In
case those signatories are not available then senior functionaries from the concerned
CBO’s and NGO’s end may act accordingly as a special case.
8 Unspent amount if any should be refunded to SPMU immediately by cheque after
completion or non- completion of specified work. The grant money can’t be
utilized other than the contracted work component.
9. CBO and the consultant NGO are required to cooperate and with the visiting
teams from NPMU, SPMU, the World Bank, Internal Auditor and Procurement
Auditor of SPMU during field visit as well as in submission of documents and
consequent verification of the same.
10 Work Certification to be done based on the following:-
Validation of the financial documents by the financial wing of SPMU
Social Audit Committee Report
Report from Gram Panchayat Pradhan or Sansad member that the activity has
been done
Comments of the Livelihood Advisor
Consultant NGOs report and authentication of the aforesaid documents
Report from persons of repute attached as community resource person or
otherwise in the office of fisheries extension officer or fish farmer’s development
agency or otherwise or report from higher tier of collectives/ federated bodies
Environmental factors that needs to be adhered to by the contracted CBO/ CBO
members:
Solid wastes generated should be disposed in landfill if not used for biogas
production or combustion.
Improve the process lay out to facilitate cleaning and eliminate wet transport of
wastes, thereby minimizing water consumption
Reduce the stock of by-products for short periods of time only in closed and well-
ventilated place
Keep all working and storage areas clean and hygienic through removal of waste
products immediately from the production line;
Place of drying should be hygienic to the extent possible
Insecticides having adverse impact on health of living being should be avoided.
Cover / shelter even temporary in nature may be provided to the processed fish
meant for drying in order to avoid fecal contamination from insects and birds
Adherence to Environmental, Health, and Safety (EHS) Guidelines of the World
Bank as far as possible and practicable
Stocking or usage of petroleum products, inflammable fuels or other combustible
materials if it necessitates should be done in adherence to the safety norms as
specified within the legal framework that is intertwined with the law of the land.