Since its inception Badlao Foundation has strategically adopted empowerment of women through their sensitization and promotion of Mahila Sabha and strived to make them a development tool for rural development initiatives. Mahila Sabha Mutual Benfit trust is a pioneer programmatic initiative by Badlao Founation to institutionalize the best practices evolved from the Mahila Sabha movement supported by Badlao Foundation in the area. Its mission received a major boost with the Mihijam Nagar Panchayat Mahila Sabha Mutual Benefit Trust acquiring the status of an institution. It was registered as a legal entity only in 2010. This is a significant success achieved by Badlao Foundation in its mission to make the women empowered and intervene in the decision making process. The MBT is a peoples’ initiative, a movement. Mahila Sabha is at the core of all development programmes at the grass root level, from planning, implementation, monitoring till evaluation. It is a platform that gives voice to the voiceless, but more importantly it ensures that these voices are heard.

A major challenge ahead for the organization is to innovate their role in broader perspective, providing inputs and resources in organization building and institutional development.

There is a plethora of Constitutional and legal form available for collectivization, most common being ‘Cooperatives’ and off late, ‘producer companies’. Suitability of these forms depends on specific eco-geography and purpose of association.

The concept of MBT has been evolved as an alternative mechanism of collectivization with the advent of open market economy. In its legal form, it is drawn on the spirit of mutuality, where decisions favouring the betterment of the collective can be made mutually between the promoter (or, the settler) and the institution promoted by them without involving any third party. Since the farm is run on the basis of mutuality, there is greater chance that the entity would perform more effectively in a competitive situation against traditional fixed and hierarchic structures. They are more suitable to the requirement of business and facilitate effective, smooth and on time decision making at the local level. An MBT can be registered as a district level body with the office of registrar in the district and may be engaged in all profitable and legal form of business and income generating activity.

MBT and the Change Initiative by Badlao

At Badlao Foundation, as the name implies, we stick to the idea of need based Social ‘Change’. In the last decade majority of our effort was in form of promotion of Mahila Sabhas, the women Self Help Groups and formation of block level clusters .The initial purpose of collectivization was predominantly issue based social awareness. However, with the advent of new economic regime and opening up of new opportunities, we have systematically channelized our effort in building the technical & financial capabilities of these institutions.

For the last three years Badlao is facilitating around 900 MS, 90 cluster level associations, and 6 block level collectives to adopt a more learned approach towards livelihood and financing activities. It is in this connection that Mahila Sabhas has been consulted with the idea of formalizing the block level collectives as MBT. While one of them has already been formalized as Mutual Benefit Trust, 5 others are on their way to get registered as similar entities.

We at Badlao and Mahila Sabha members envisaged that the MBTs have the potential to play a pivotal role in the integrated Community development in the days to come .We therefore consider the MBTs as not mere ‘channels’, but as ‘agents’ of change. Accordingly the Mahila Sabha Mutual Benefit Trust (MSMBT) supported by Badlao derives its Mandate to access financial and non-financial resources from local government, donors and other financial institutions to work for well being of women folk and their families.

Founding Principles

Every MSMBT promoted by Badlao Foundation share the founding principles of democratic rights and social justice and share the core values of women’s Dignity, Self Reliance, Participatory Development, Transparency & Accountability.

Every MSMBT adopt uniformity in terms of rules, processes and systems and prohibits discrimination in any form.



We envisage that through the joint and coordinated effort of various stakeholders, MSMBT would be instrumental in achieving economic self sufficiency and social security for the women and participating households in an eco-friendly and sustainable manner.


Over a period of four years the program would work with the mission of Augmenting Livelihood, Enabling Empowerment (A-Live-En-Power)

In Objective Terms we at Badlao Foundation are committed to create a brighter and healthier 2015 with MSMBT taking the centre stage of all participatory Development Initiatives in the service area

By the end of year 2015 we would like to measure our success by:

  • 10 legally registered MBTs

  • 15000 women members

  • 12500 Active Borrowers

  • 30000 Risk Mitigation product sold

  • Additional income of INR 10000 per member


MSMBTs would offer a platform for rural and disadvantaged section of the community to bring in new innovation and scale up existing livelihood opportunities.To achieve its mission MSMBT program would adopt multipronged strategy of

  • Livelihood Promotion: Includes innovation & scaling up with special focus on skill development, Capacity building & Market linkage

  • Financial Inclusion: Facilitating/organizing short as well as long term credit and risk management services for member units

  • Institution Building: Promotion and strengthening of SHGs, Clusters, federations



All effort of MSMBT program are based on the following approaches

Social Justice
Every human being is equally entitled to fare and rightful uses of resources and assets. Principles of social justice, thus, are equally applicable for all.

Women’s Rights
MSMBTs considers right to equal asset and income as two key components of Women’s rights and leads to women empowerment.


Social Inclusion

The program is intended to bring maximum number of target HHs under an uniform and demand driven service delivery system


The program would seek active collaboration and like to complement any or all development initiatives in the target area


Organization Structure

Women members at the household level and mahila Sabha at the hamlet form the basic building block of MSMBT. Selected members of MS represent in cluster level associations. Both MS & CLA are informal associations; representatives of cluster level associations periodically nominates member to represent the CLA at the executive council. Tenure of every Executive council member is five years.

For professional management of the operation to be undertaken by the MBT, a manager is appointed as the chief functionary of the MBT. He is supported by the 2-3 subject matter specialists including 1 MIS expert, each expert in turn works intensively with the community through 5 service providers for effective delivery of products and services.

Program Co-ordination
At the program level a program coordination office has been set up by badlao foundation at Rajbari, Mihijham, Jharkhand. The coordination work is taken up by an experience and technically qualified core team. The coordination unit is responsible for linkage, liaisoning and organizing services of common nature for all the MSMBTs.

Presently 1MBTs have been registered at Mihjam NAC area within Jamtara block. 5 other MSMBTs are in the process of registration in the districts of Godda(2), Jamtra(1), Deogahr(1) , and Dumka(1) . Jointly these MBTs are catering the need of 9000 women from four hundred villages in nine blocks of Santhal Paragana Region. Each MBT is equipped with own office sets up and computerized financial information system. A variety of innovative livelihood promotion and financial inclusion activities have been taken up this MBTs. We are thankful to Vikas Bazar.Net, BASIX, Indian Bank, NABARD and ICCO, Netherland for supporting us in this initiative.



Women Empowerment and Gender Justice

Sustainable Rural Livelihoods Programme


Health, Nutrition and Sanitation

# Mahila Sabha Mutual Benefit Trust
# Mahila Sabha on Women Empowerment
# Mahila Sabha at a glance
# Bank linkage and Revolving Funds
# Training and Skill Building

# Promotion of Food Security Through System of Rice Intensification

# Promotion of Vegetable Cultivation (Potato & Tomato)

# Promotion of Micro Irrigation Scheme (DRIP)

# Promotion of Tasar, Spinning, Reeling & Weaving Training for Leaf Plate Making

# Vermi Compost and Organic Manuring

# Natural Resource Generation
# Sustainable Cultivation
# Wadi Programme
# Farmers Club
# Early Interventions
# Millennium Development Goals (MDGs)
# Health Status of Tribal People
# Health Insurance
# Baseline Survey
# Community Health and Nutrition
  ** Maternal and Child Health Care
** School Health Programme
** Awareness Generation
** Capacity Building of TBAs and Local

Advocacy and Lobby


Building Institutions

Human Resource Development Strategy

  #Human Resource Development
  **Awareness Building
  **Establishment of Non Formal Education 
#Impact of Education
#Major Intervention in Education
#Greenwood Public School
#Strategy and approach
Child Development      

Powered by : COMPUTER Ed.