 Main features
Dushtha Shasthya Kendra runs its project operations through branches. A branch usually covers 1500-2000 member-borrowers. Members were conveyed the message that in their lives, they experience illness-related crises, and that governments are unable to help them. Hence, there is a need for a health care system, which will be able to cater to the health needs of depressed groups. In view of the above, members were approached to save Tk. 3 for health care, which is non-refundable. Furthermore, it was envisioned that if member-borrowers deposit such an amount voluntarily, then the generated fund would be able to cover seventy- percent expenditure of running the health care component the remaining thirty- percent of the expense could be covered from the ongoing income of the revolving credit program.
Clientele
DSK offers the aforementioned services to a member borrower and five of his family members i.e. parents of the borrower, husband/wife, two of his/her children.
Sustainability
In order to carry out sustainability analysis, we agreed to put the following costs as core expenditure of the presently run health care program: personnel salaries, drugs, travel and maintenance. As we agreed that this is a blend of revolving credit with health care, from that point of understanding, we also agreed that other costs, such as rent for office, stationers, etc. will be shouldered by the ongoing credit program. The member borrowers purchase health cards as well.
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