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PKSF

www.pksf-bd.org/

PKSF was established by the Government of Bangladesh in 1990 as the apex organization with the mandate to alleviate poverty through generating employment. PKSF disburses fund to microfinance institutions (MFIs) who are its Partner Organizations (POs) to implement development programs designed for the poor of Bangladesh. At present PKSF has 257 MFIs as its PO providing financial services that have grown in width as well as in breadth. Through PKSF’s widespread PO network, the organization has access to all districts in the country as evident with total disbursement of BDT 454.81 Billion has been disbursed to 8.6 Million borrowers so far.

The financial year FY 2009 has been marked with successful launching of new innovative programs that have been designed to address the evolving needs of the poor; strengthening of mainstream programs and streamlining financial management. PKSF comprises six core programs, eight projects and five special programs, amounting to nineteen activities. In this fiscal year, PKSF has achieved visible results from its mainstream programs with rural microcredit (RMC) dominating PKSF’s performance in FY 2009. RMC, the largest component of PKSF, accounts for 41.5% of total FY disbursement reaching 70% of total number of borrowers. This is a mighty feat considering the total number of borrowers stands at 8.6 Million in FY 2009. Overall, core programs otherwise known as mainstream programs, has unparallel dominance accounting for over 83% of total disbursement of PKSF to POs in FY 2009. It also had a tremendous growth performance, over 36%, compared to last FY. This financial year is also the period where innovative programs became integrated into the mainstream programs. One such example is the launching of agro based program. Based on the knowledge derived from Microfinance for Marginal and Small Farmers Project (MFMSFP) PKSF gathered critical experience and know how that helped it to launch the innovative initiative titled Agricultural Sector Microcredit (ASM) as a mainstream program. One of its salient features is capacity building on sustainable use of modern agricultural technology for the targeted farmers.

Even though projects account for only 12% of total disbursement and almost 10% of total borrowers in FY 2009 much of the innovative leanings are derived from PKSF’s projects. In FY 2009, disbursement in projects grew by 40.8% with Learning and Innovation Fund to Test New Ideas (LIFT) leading the pact with 65% of growth compared to FY 2008. PLDP II has the largest disbursement in FY 2009 with BDT 0.73 Billion. Not all projects have microfinance component themselves as they often focus on non financial development aspects of the targeted poor. One such example is Programmed Initiatives for Monga Eradication (PRIME) which works in monga affected areas of Bangladesh. Monga is a bangla word referring to the yearly cyclical phenomenon of poverty and hunger that occurs in different parts of the country. The project provide employment opportunities for the monga season, emergency credit for households with a slightly higher income, consumption loans, primary health care and a carefully designed flexible credit support system. Microfinance component is supplemented by the core program, ultra poor program (UPP).  PRIME aims to build beneficiaries’ coping capacity, and improve their skills and resources to secure their own futures by 5%

PKSF’s special programs provide a much needed support services during natural disasters among other unexpected events that often have detrimental impact on the ultra poor. Special programs account for about 4.5% of total loan disbursement in PKSF with Rehabilitation of Non-Motorized Transport Pullers and Poor Owners (RNPPO) dominating the pact with the disbursement of BDT 0.63 Billion in FY 2009. Similar to PRIME, Food Security for Vulnerable Group Development (FSVGD) and Ultra Poor (UP) Beneficiaries program also does not have its own microfinance component; rather the focus is on providing much needed capacity building services as well as for smoothening of consumption patterns. In addition to this, the program also created a revolving risk fund which compensates the beneficiaries/their spouse/family members during death of a family member or serious accidents. 

In the first decade, PKSF focused on strengthening program implementation and institutional development of its POs. In the second decade, PKSF has shifted gear to accommodate the economic and social change of Bangladesh. In so doing, PKSF integrated non financial services such as skill development activities into the programs. These initiatives deepened and widened PKSF’s reach in its endeavor to generate employment amongst the poor of the country. The change in the level and type of need of the poor is evident in the demand for specialized services such as agriculture and seasonal loans which are tailored to the needs of the targeted poor. Another example is the increase in the loan size among different programs. Average loan size of RMC has increased by 8.5% to BDT 11,002, whereas for UMC it grew by 11% to 13,557 from FY 2008. PKSF garnered critical capability in managing crisis situations. In the face of natural calamities such as SIDR 2008 and AILA 2009, PKSF responded swiftly to address the needs of the crisis stricken poor. There were shortage of drinking water, shelter and loss of financial resources. Through projects such as Special Assistance for Housing of SIDR Affected Borrowers that helped build homes for the homeless; access to safe drinking water; and cash for work project was implemented for employment generation. Most importantly, PKSF utilized its network to deliver grants, free clothing, and food to all corners of the region devastated by the natural disaster.

 

PKSF is stepping into the third decade since inception in 1990. In the new decade PKSF will take up bold initiative to incorporate education and health amongst its programs. Simultaneously, PKSF will also strive to address multi-dimensional aspects of development including generating employment with the purpose to provide a comprehensive development support which would include programs as microfinance, health, education, skill development among other things depending on the region.

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Win Setup From USB

Install operating systems using your USB drive


WinSetupFromUSB_0.2.3.rar


This application will offer you the solution to installing Windows or Linux version using a USB flash drive.

How to start:
1. First make sure you have a properly formatted USB disk or flash media.
It must have a MBR and an active partition set.

a) USB flash media- format it with RMPrepUSB selecting "Boot as HDD" and "XP bootable" options.
Note that it will DELETE all partitions. NTFS is reported faster on some systems, your USB stick parameters are also factor. 
Whereas NTFS generally is not recommended for USB flash media, if you are not planning excessive usage, but rather occasional installs from it, then it should be safe to use it as long as you can boot from it.

There is another way to format USB flash media- to use filter driver, such as Hitachi microdrive filter driver or dummydisk.sys (included, look in FILES\MULTIpartitionUSBstick folder). Using such driver will 'make' your stick to appear to Windows as fixed disk. In this case, when formatting Windows will write MBR on in with partition information. 
You may now use Disk management console, or third party programs to make multiple partitions and format them as you desire.




NTFS performs way faster on some systems, or with some USB sticks. However, keep in mind that depending on usage and USB stick quality, it may "wear it out" quicker.

b) USB hard disk- format it from within Windows and make sure you set active partition!

In both cases USB boot is not guaranteed! That depends on your BIOS/motherboard, how disk is formatted and what file system etc.
In general FAT16 is the best bet for compatibility, next is FAT32, then NTFS. In some cases different format tools may set improper geometry.

2. Select your sources

3. Select target disk from the drop-down menu. Windows Setup can be started only from the first partition on the disk! It does not have to be active. Sorry, this is limitation from Microsoft- in case of removable USB disk, it can't read any partition than first.
If your USB disk is not shown then:
· It's not inserted
· It does NOT have an active partition
· It's NOT formatted in FAT16, FAT32 or NTFS

Bangla Dictionary

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