Programmes
Economic Development Programme
A continuous support of Savings and Credit is required to develop the target people, who has no access to the formal credit market, and who are otherwise subjected to service exploitation of the informal credit market. The seasonal income of target members does not comply with a regular repayment schedule and thus make them vulnerable to informal credit. The purpose of the savings scheme is to encourage the habit of regular saving among the members, to mobilize local resources, to provide safe keeping of member’s money, to earn interest to the members, and to provide security base for loans from the CODEC loan fund. The purpose of the loan fund is to provide target members access to loans for productive purposes (including all sorts of present products and also new products e.g. micro-credit, micro enterprise, Dadan (advance payments as tied loans) Free loan, small rural based industries etc.) on reasonable terms. CODEC will also work especially with Hard-Core Poor members as well as among well-off members with separate terms and conditions. Main Interventions for economic development are: Savings Programme, Credit Programme; Rural Micro credit Loan (RMC), Micro Enterprise Loan (ME), Credit for Ultra Poor (Hard Core), Loan Risk Fund (Member's Insurance).
Socio-Cultural Development Programme
Institution building through social mobilization and CODEC facilitation created a sense of solidarity among the disadvantaged people of the coastal area. As the process of social mobilization has been evolving, these disadvantaged communities begin to assert the rights on the coastal and marine resources to which they are entitled. This also enables them to have access to additional marine resources. This countervailing power is a part of the democratic and human development process, which is ensuring greater equity gradually. This deprived community people have been becoming progressively more aware and further self-reliant. Institution Building through intensive participation of the community people have also been evidently exposed as a platform of collective voice and action. Major interventions: People’s Organization and Good Governance, Social Services and Linkage Building, Education and Access to Information, Training, Jaladas Community Development Programme.
National Advocacy Programme
CODEC has adopted National Advocacy Programme with the aim to influence national decision makers for inclusion the issues and concerns raised by coastal and riverine communities. Programme strategies mainly focus at grassroots and national level. Firstly, strengthening the voice of disadvantaged coastal communities that the needs of these communities are heard and reflected in national strategies and polices. Secondly, initiate advocacy with bottom-up approach that concerned issues of coastal areas are reflected at the national level. Major activities of the National advocacy are: Strengthening network with like minded NGOs, Strengthening Network of community based organizations, Plan and implement advocacy campaign, Research and Impact Studies.