Centre for Development Innovation and Practices (CDIP) is a prominent non-governmental organization (NGO) based in Dhaka, Bangladesh, operating since 2000 with a dedicated focus on poverty alleviation, sustainable development, and social welfare through microfinance, education, and health services. Registered under the NGO Affairs Bureau and the Microcredit Regulatory Authority (MRA) of Bangladesh, CDIP has steadily expanded its footprint across the country to serve marginalized communities.
Core Business and Services
CDIP primarily engages in delivering microfinance services designed to empower low-income individuals, especially women, by enhancing their access to financial capital. The organization also runs extensive social programs in education and healthcare aimed at holistic development.
Microfinance Services
CDIP offers a range of financial products tailored to meet the needs of diverse borrower segments:
- Jagoron Loan – For traditional micro-entrepreneurs
- Agroshor Loan – For expanding small enterprises
- Buniad Loan – For ultra-poor households
- SMAP Loan – Specialized financial access under microenterprise programs
- Shufolon Loan – Targeting agricultural initiatives
- Enrich Loan – Integrated with education and healthcare support
- Livelihood Development & Restoration Loans – Focused on income regeneration
- Sanitation Development Loan – Aimed at improving rural hygiene infrastructure
- Revolving Refinance Scheme – Specialized funding for expanding micro businesses
As of 2023, CDIP’s microfinance program has supported over 110,000 active members through 7 regional offices and 59 branch offices across Bangladesh.
Educational and Health Initiatives
Education Support Program (ESP)
CDIP’s ESP serves underprivileged children through after-school support in over 300 education centers, directly benefiting approximately 13,000 children annually. The program emphasizes basic literacy, numeracy, and values education.
Health Support Program (HSP)
Through mobile medical teams, CDIP delivers primary healthcare, maternal and child health awareness, and sanitation education. On average, the HSP reaches over 60,000 individuals per year, reducing dependency on overburdened government health services.
Target Market and Social Impact
CDIP focuses on the most vulnerable populations in rural and peri-urban areas of Bangladesh. Its integrated development model not only improves financial inclusion but also enhances human capital through targeted education and healthcare interventions. Their clients are primarily women from low-income households who invest loans into small businesses, agriculture, and home-based manufacturing.
Financial Performance and Recognition
CDIP operates under strict compliance with Bangladesh’s Microcredit Regulatory Authority (MRA) and international NGO funding regulations. According to the MRA reports, CDIP manages a loan portfolio exceeding BDT 2.5 billion (approx. USD 23 million) with a recovery rate above 98%, reflecting strong operational sustainability and client trust.
International Outreach and Shipments
While CDIP is not a trading or manufacturing entity involved in physical exports, it participates in international knowledge exchanges and development projects funded by donors such as:
- Palli Karma-Sahayak Foundation (PKSF)
- Bangladesh Bank
- International development partners under the NGO Affairs Bureau
These collaborations are crucial in scaling innovative models for poverty alleviation and women’s empowerment.
Capabilities and Infrastructure
CDIP’s operational capabilities include:
- A trained workforce of over 500 field-level staff
- Custom-built MIS and accounting systems for real-time monitoring
- Robust compliance and audit mechanisms ensuring financial transparency
- Long-term partnerships with banks and donors for financial sustainability
Certifications and Compliance
CDIP holds:
- Valid registration from Microcredit Regulatory Authority (Reg. No. 00190-02473-00023)
- NGO Affairs Bureau Approval (Govt. of Bangladesh)
- Annual audit compliance, verified by third-party chartered accountants
- Regular impact assessments conducted by PKSF and independent evaluators
Testimonials and Community Trust
“CDIP’s education program changed the course of my child’s life. They now dream of being a teacher instead of working in the fields.”
— Rabeya Khatun, Beneficiary from Nilphamari
“With a Jagoron loan, I expanded my tailoring shop and now employ two more women. CDIP didn’t just give me credit; they gave me hope.”
— Khaleda Begum, Entrepreneur from Mymensingh
Achievements and Milestones
- Reached 1 million cumulative loan disbursements by 2022
- Recognized by PKSF as a Top Performing Partner Organization (PO)
- Developed an internal Health MIS system in 2021 to track community interventions
- Partnered with BRAC and UNDP in collaborative rural development pilots
CDIP remains committed to expanding its reach and deepening impact through innovation, transparency, and grassroots engagement. Its integrated approach toward financial, educational, and health empowerment continues to serve as a model for sustainable rural development in Bangladesh.
