Special Disaster Management Fund (PKSF)
SAHOS PROGRAM
Emergency Financial Assistance and Rehabilitation During & Post Disasters
About Sahos Fund
Due to geographic vulnerability, Bangladesh is highly disaster-prone. Natural calamities bring immense plight to poor communities, wiping out assets and livelihoods. Newly titled as 'Sahos', this special PKSF fund is exclusively designed to provide immediate financial support, emergency medical services, clean water, and sanitation to vulnerable families during and post-disasters.
Livelihood Restoration
House repairs, tube-well & latrine restoration, and IGA re-establishment.Emergency Relief
Urgent medical care, drinking water, sanitation, and food grant services.Key Features & Policy Details of 'Sahos'
| Feature Category | Details & Terms |
|---|---|
| Type of Policy | Provides grants and flexible loans to organized group members for emergency pre-disaster preparation, during disaster relief, and post-disaster reconstruction/rehabilitation. |
| Source of Fund | Loans/grants from PKSF. Additionally, 1% of service charge earned from POs' microcredit programs is deposited quarterly to this fund. |
| Main Activities | Restoration of livelihoods, house/tube-well/latrine repairs, urgent medical care, re-establishing Income Generating Activities (IGAs), and procurement of essential food items. |
| Loan Ceiling | Up to Tk. 10,000/- per beneficiary at a time. In severe disasters, members can borrow up to two loans with a max limit of Tk. 15,000/-. |
| Loan & Grace Period |
PKSF to PO: 30 Months (with 6 Months grace period) PO to Beneficiary: 25 Months (with 1 Month grace period) |
| Service Charge Rate |
PKSF to PO: 0.5% (Declining balance method) PO to Beneficiary: 4.0% (Nominal flat method) |
| Grant Services | Direct emergency food relief, clean drinking water, emergency medicines, and essential supplies. |
149
Partner Organizations (POs)
1,20,698
Current Borrowers
Tk. 439.33 Cr
Disbursed (PKSF to PO)
Tk. 502.34 Cr
Disbursed to Beneficiaries