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ZERO WASTE
MODEL
PROJECT
I-SME
SUPPORT FOR ULTRA-POOR CHAR COMMUNITIES
IOT ARMY
OF 300
BUNISESS PARTNERSHIP PLATFORM
PROJECT
IMPACT MSE
ACCESS TO FINANCE FOR AGRO-MECHANIZATION
NATIONAL ENTREPRENEURS SUMMIT
"SOCIAL TRANSFORMATIONS ARE TRIGGERED MORE OFTEN THROUGH THE INTENTIONAL ACTS OF A FEW…"
the STEPs.org1 is an Association2 of highly motivated social entrepreneurs, finance & technology professionals and their organizations with the common goal of bringing about positive social change.
1 Social Transformation Enabling Projects & Organizations
2 Approved by the Ministry of Commerce, People’s Republic of Bangladesh
Hasan Imam, PhD
Chairman
RACE Financial Group
Silmat Chisti
Managing Director
BSCL
Mushfiq Mobarak
Professor
Yale University
Michael Wang, PhD
Adjunct Professor
Columbia University
Kaiser Kabir
CEO
RENATA Pharma.
Muzammel Huq
Chairman
Grameen Bank
Mahboob Zaman
Managing Director
DataSoft
Alauddin Majid
Chairman
BASIC Bank
Maqsood Sinha
Co-Founder
Waste Concern
Rushdy Ahmad, PhD
Sr. Research Scientist
Broad Institute
Sector Related SDGs Addressed by theSTEPs Initiatives
Challenge Statements
2.6 million persons aged 15 or above are still unemployed (BBS, 2017)
Adult literacy rate in Bangladesh is 61.5%
Out of 60 million people in the workforce of Bangladesh, 21% has either no education or less than complete primary education
Only 50% of the students who enroll in first grade reach grade 10 in Bangladesh
26% of the population has received no education, while a further 30% has only some primary education (BBS 2015)
40% of the population aged between 15 and 24 years which is up to 11.6 million youth or about one-fifth of the total working age population in Bangladesh are classified as “not in education, employment or training (NEET)
1 in every 2 graduates is without employment in Bangladesh
Sector Related SDG Targets for Bangladesh
Achieving 100% net enrollment rate for primary and secondary education.
To ensure quality education at primary, secondary and tertiary education.
To Increase cohort reaching grade 5 to 100% from current 80%

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Sector Related SDGs Addressed by theSTEPs Initiatives
Challenge Statements
Bangladesh’s traditional banking sector lacks adequate technology and only serves 17% to 36% adults
Financial account ownership among adults is only 31%
Bangladesh’s Annual National Poverty Rate is 23.3% and Extreme Poverty Rate is 12.9%
the value of transactions through mobile finance services in Bangladesh was 5.6% of GDP in 2015
60% of our adult population is still unbanked
Only 9% Bangladeshis have Digital access to financial services through bank accounts
Only 40% adult access mobile money. Only 17% have full service bank accounts
Only 34% of Bangladesh’s total population is financially included
2.23+ million people still live in slums across the country
32.2 million registered mobile banking accounts, yet cash is the most prevalent form of financial transaction; lack of awareness and trust in technology lead to 80% people in not adopting mobile wallet
Sector Related SDG Targets for Bangladesh
Reduction of Income Inequality from 0.458 to downward
Reduction in the head-count poverty ratio by about 6.2% points
Reduction in extreme poverty by about 4.0% points; cut to 8.9% by 2020
Sector Related SDGs Addressed by theSTEPs Initiatives
Challenge Statements
In 2016, CO2 emissions per capita for Bangladesh was 0.46 metric tons
Since 2009, an estimated one person has been displaced in every second by natural disasters, with an average of 22.5 million people displaced by climate or weather-related events
Environment pollution is killing some 280,000 children in Bangladesh annually
Only about 6% of the entire population has access to natural gas, primarily in urban areas
Agriculture sector is the leading contributor, with 39% of total Green House Gas (GHG) Emissions
Sector Related SDG Targets for Bangladesh
Increase energy efficiency by 10%
5% Reduction in greenhouse gas emission by 2030
To minimize climate change effects and reduce environmental degradation
Sector Related SDGs Addressed by theSTEPs Initiatives
“A nation that has no culture cannot afford a civilization
About 68,000 people are directly and indirectly involved in Jamdani, which has been recognized as a World Heritage by the UNESCO
More than 12% handloom units in Bangladesh shut down their production due to lack of yarn supply in reasonable price
Weavers do not get quality raw materials like yarn, dyes & chemicals at right time and at the right price
Aiding the production of Jamdani can contribute to the visibility of the intangible cultural heritage while promoting respect for cultural diversity
theSTEPs
Members Involved
GOAL

We aim to sponsor the 350 beds for the Cancer Patients being diagnosed round the years at NICHR to help them win their daily battles against cancer.

Challenges

Currently, there are about 15 lakh cancer patients in Bangladesh and around 2,00,000 patients are newly diagnosed with cancer each year. Cancer is now one of the top causes of death in Bangladesh which alone accounts for 10% of all mortality. The Government provides BDT 50, 000 as one-time Assistance Scheme for lifesaving anti-cancer drugs. Yet, a large portion of cancer patients are unable to bear expenses and stop treatment halfway. The Government hospitals in Bangladesh can provide Free Medicines to only 50% of the Cancer Patients and about 20% of cancer-stricken children cannot afford complete treatment here.

Our CAMPAIGN

This campaign aims to raise funds for sponsoring the 350 beds for Cancer Patients who are being diagnosed at the National Institute of Cancer Research & Hospital (NICRH). Moreover, the STEPs-RD Cancer Palliative Center aids the poor cancer patients who cannot afford treatment or struggle to pay for their accommodation at NICHR. Operational since June 2017, the Palliative Center has thus far paid for cancer medication of over 70 cancer patients.

Sector Related SDGs Addressed by theSTEPs Initiatives
Challenge Statements
Under-nutrition is the underlying cause of 3.5 million deaths among children under-five worldwide.
Bangladesh stands Lowest in the Global Food Security Index-2017 among South-Asian countries
42 million people remain as food insecure and
6,000,000 children estimated to be chronically undernourished
Only about 40% of our population receives some kinds of state medical care
81.3% of the population consumes 23% lesser than the ideal calorie intake
Our HealthCare Ratios:
Available hospitals to People
1: 95, 069
Available hospital beds to People
1: 1,528
Available Doctors to People
1:2,000
About 30% dying patients are unable to receive services of trained physician
Consumption of milk per capita per day is 55 ml whereas the ideal consumption requirement is 250 ml.
Sector Related SDG Targets for Bangladesh
Reducing the proportion of stunting among under-five children from 36.1% to 25%
Reducing the proportion of underweight children among under-five children from 32.6% to 20%
Sector Related SDGs Addressed by theSTEPs Initiatives
Bangladesh's traditional banking sector lacks adequate technology; only serves 17% to 36% adults
Financial account ownership among adults is 31% and financial account ownership among women is 26% in Bangladesh
60% of our adult population is still unbanked
Digitization has the potential to substantially reduce the cost of lending at every stage of the process.
the value of transactions through mobile finance services in Bangladesh was 5.6% of GDP in 2015
67.25 million internet users; 95% of them use net on mobile devices
32.2 million registered mobile banking accounts, yet cash is the most prevalent form of financial transaction; lack of awareness and trust in technology lead to 80% people in not adopting mobile wallet
Sector Related SDG Targets for Bangladesh
Reduction of Income Inequality from 0.458 to downward
Establishing one stop services for business investments through adaptation of innovation and digitization
Sector Related SDGs Addressed by theSTEPs Initiatives
Challenge Statements
Over 95% women does not have clear idea about financial products and services
Only 26% women in our Labor Force has bank accounts
33.5% of the labor force in Bangladesh is Women
The average woman earns about 60% of what a man earns for the same amount of work in Bangladesh
If women's unaccounted works are counted in monetary terms it will amount to 87.2% of GDP
71% women RMG workers give all or a large portion of their salaries to their husbands
Out of 7.8 million businesses in Bangladesh, women-owned enterprises are 7.21% which is insignificant compared to men owned ones. Women account for only 17% of individuals employed in these enterprises
Sector Related SDG Targets for Bangladesh
To Increase the ratio of literate female to male for age group 20-24 to 100% from the current 86%.
To Increase Gender Parity Index in tertiary education from current 0.70 to 1.0.
To Increase the share of female officers (Grade-9 and above) in the public sector to 25% by 2020.
Sector Related SDGs Addressed by theSTEPs Initiatives
Bangladesh needs at least 8% growth of GDP up to 2021 to really enter at the Middle income status and raise the living standards of common people
2.23+ million people still live in slums across the country
Continued invests required in basic health services, ensure quality education, technology training and skill development as the optimal goal of human development towards creating knowledge based society
Bangladesh’s position is 139th out of 188 countries as per Human Development Report with a Human Development Index (HDI) value of 0.579
2.6 million persons aged 15 or above are still unemployed means growth fell short of absorbing large proportion of employment (BBS, 2017)
Sector Related SDG Targets for Bangladesh
average income growth of lower 40% of population must be higher than the average income increase of overall population
Increase spending on R&D to overcome major determinant of development, innovation and adoption of technological change
Energy sources should imply technology that minimizes impact on environment and ensures high efficiency
Thursday, March, 2018, 20:30 pm
News Image "We believe digital payments are making financial services more universally affordable, accessible and, therefore, have the opportunity to drive financial inclusion Read More
Thursday, March, 2018, 18:31 pm
News Image "Financial inclusion helps lift people out of poverty and can help speed economic development. It can draw more women into the mainstream of economic activity, harne Read More
Thursday, March, 2018, 17:59 pm
News Image "As long as poverty, injustice and gross inequality persist in our world, none of us can truly rest." -Nelson Mandela Ex-President South Africa Read More
Thursday, March, 2018, 17:31 pm
News Image "Humanity’s greatest advances are not in its discoveries, but in how those discoveries are applied to reduce inequity." -Bill Gates Founder the Micro Read More
Sunday, February, 2018, 23:25 pm
News Image "My dream is to find individuals who take financial resources and convert them into changing the world in the most positive ways." -Jacqueline Novogratz  Read More
Tuesday, March, 2018, 16:39 pm
Event Image A few days ago, we had the privilege of hosting representatives of the UK government's International Development Committee (IDC). Joining us from the IDC were UK memb Read More
Thursday, March, 2018, 23:18 pm
An event was organized at the National Institute of Cancer Research & Hospital (NICRH) on February 19 by theSTEPs. The event was carried out as a representation of th Read More
Wednesday, February, 2018, 07:28 am
Event Image The Australian High Commission hosted the launch of two Business Partnership Platform (BPP) initiatives - Improving the dairy sector and promoting sustainable energy use Read More
Wednesday, February, 2018, 07:23 am
Event Image theSTEPs.org with two of its member organizations- Support for Rural Advancement Society (SUPPORT) and Dishari Foundation have organized a Training Workshop on Healthcare Read More
Tuesday, February, 2018, 23:34 pm
Event Image theSTEPs.org has organized a Healthcare Program in association with Dishari Foundation on February 10. The daylong event starting from 10 am in the morning was held Read More
Sunday, February, 2018, 22:20 pm
Event Image With association members BSCL and EDCL, theSTEPS.org provides incorporation services to local entrepreneurs. We hope that this will be a key platform for empowerment on m Read More
Sunday, February, 2018, 22:19 pm
Event Image This partnership supports dairy farmers to obtain access to finance to increase the productivity of their operations. Oxfam has formed dairy enterprises in Banglade Read More
Sunday, February, 2018, 22:18 pm
Event Image From the Governor’s chamber at the Central Bank, through the conference halls of development seminars, to the boardrooms of commercial banks, there is a great deal Read More
Sunday, February, 2018, 22:17 pm
Event Image Oxfam and Bangladesh SME Corporation Limited (BSCL) have joined hands to support 3000 small women led dairy enterprises to access finance from mainstream business sector. Read More
Wednesday, November, 2017, 14:52 pm
Event Image theSteps.org distributes books to 1,050 high school students to promote reading beyond school curriculum. “theSTEPs” received great feedback from the students and Read More

IMPLEMENTING TRANSFORMATIVE SOLUTIONS TO PRESSING SOCIAL PROBLEMS BY BRINGING TOGETHER THE RIGHT COMBINATION OF INDIVIDUALS AND ORGANIZATIONS AND BEING PRESENT ON-THE-GROUND TO IMPLEMENT.…

Our Sector Projects
ZWM
i-SME
A2FAM
BPP
SUPCC
IMPACT MSE
Impact Generated So Far….
BDT 34m
disbursed to Dairy Farmers in Remote Bangladesh
8,000 MSEs serviced through the i-SME platform
USD 2.2 Million has been invested in the integrated i-SME Digital Service Platform for enhancing MSME preparedness
2,000 MSEs digitized to enable formal financing leveraging an automation platform and physical outreach
10,000,000+ members brought under financial net through our enterprise solution for MFIs
theSTEPs
Members Involved
Our Sector Projects
NATIONAL ENTREPRENEURS SUMMIT
IOT ARMY OF 300
Impact Generated So Far….
32,000 entrepreneurs in attendance from all over Bangladesh in the National Entrepreneurs Summit
300 IoT professionals introduced to IoT standards
Literacy Programs for Mothers and Daughters, initiated by Dishari Foundation
Distribution of books to 1,050 high school students by theSTEPs to promote reading beyond school curriculum in Gacha, Gazipur
theSTEPs
Members Involved
Our Sector Projects
ZWM
BPP
IMPACT MSE
Impact Generated So Far….
USD 0.8m has been disbursed through Business Partnership Platform for Improving the Dairy Sector & Promoting Sustainable Energy in Bangladesh
2,000 MSEs and 375 Dairy Enterprises (DEs) have been financed to implement Zero Waste Model
2,000+ ZWM, 3,500+ MSEs Green Projects implemented nationwide, increasing sustainable energy generation and reducing household smoke which is responsible for 10% of global death (WHO)
USD 4,000
incremental annual income generation after ZWM implementation
200
Bio-Digesters installed
BDT 120 million in investments for 600 MSEs through Impact MSE Platform
theSTEPs
Members Involved
Our Sector Projects
ZWM
BPP
SUPCC
Impact Generated So Far….
USD 4,000 incremental annual income generation after Zero Waste Model implementation
2,000 MSEs and 375 Dairy Enterprises (Des) have been financed to implement Zero Waste Model
BPP 3,700+
Bio-Digesters (ZWM and BPP) installed ensuring the households with lesser inhalation of carbon
Planned disbursement of BDT 30,200,000 to Women-led enterprises in CHAR Areas stimulating food security
41% increase in monthly milk consumption for household beneficiaries
theSTEPs
Members Involved
Our Sector Projects
SUPCC
BPP
Impact Generated So Far….
Upto 1,240 enterprises to receive financing in Kurigram and Gaibandha; primarily Women-led MSEs
BDT 30,200,000 disbursed to Women-led enterprises in CHAR Areas
3,000 Dairy Enterprises (DEs) serviced through the i-SME Platform and 375 DEs financed to implement ZWM; with a prime focus of encouraging Female oriented DEs
50% reduction in time spent by rural women in cooking and collecting firewood through Zero Waste Model (ZWM)
theSTEPs
Members Involved
Our Sector Projects
i-SME
IOT ARMY OF 300
IMPACT MSE
A2FAM
Impact Generated So Far….
10,000,000+
members brought under financial net through our enterprise solution for MFIs
2,000+ MSEs
digitized for formal financing leveraging automation i-SME Platform
2,000 MSEs
facilitated with financing through i-SME Platform
Our MSME Credit Database has Credit history of 10 million MSEs
BDT 21m
disbursed under Agricultural Mechanization Project
600 MSEs financed through the IMPACT MSE platform
300 IoT professionals introduced to IoT standards
8,000 MSEs serviced through the i-SME platform
theSTEPs
Members Involved
Our Sector Projects
Impact Generated So Far….
Our MSME Credit Database has Credit history of 10 million MSEs
BDT 120 million worth investments in i-SME Projects
8,000 MSEs serviced through the i-SME platform
2,000 MSEs facilitated with financing through i-SME Platform
USD 2.2 Million has been invested the Integrated i-SME Digital Service Platform for enhancing MSME preparedness
2,000 MSEs digitized to enable formal financing leveraging an automation platform and physical outreach
theSTEPs
Members Involved
Idea Generation
Select transformative ideas to solve pressing problems in education, health, environment, financial access
Activate the Collective
Identify a group of social entrepreneurs and their organizations with the requisite skill sets, domain expertise, and infrastructure to execute
Build Enabling Platforms
Use the collective strength in analysis, technology and finance to create platforms that enable realization of the idea
Implementation
Be present on-the-ground to implement the solution through collective outreach capabilities
Impact Measurement
Measure impact and iteratively fine tune the solution to increase effectiveness and scale it up
Dissemination
Disseminate solution across sectors and geographies