Sahos
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Due to geographical position, Bangladesh is one of the most disaster-prone countries in the world. Humanitarian crisis or natural disasters are quite common phenomena in Bangladesh. And these bring in plight of varying degrees for the people, particularly the poor. Sudden and tremendous fluctuations of fortunes of the people often have terrible impact even on the regular socio-economic development of the country. Mitigation measures and immediate material help become an urgent necessity. To help them cope with and recover from disasters PKSF has created a Disaster Management Fund (DMF) to provide quick financial assistance to the poor families; prevent them from selling advance labor or valuable assets and enable them to find a humble and decent life. This Fund Newly titled as `Sahos’.

`Sahos’ is a special PKSF fund exclusively designed for ensuring immediate financial assistance to support the vulnerable poor during and post disasters. This fund mainly seeks to facilitate the coping and recovery mechanism of poor people. This fund is primarily used for the livelihood restoration including repairing of houses, tube wells and latrines; restoring the existing IGAs and ensuring consumption capabilities during post-disaster period. It also guarantees the provision of emergency medical services, water and sanitation. PKSF mobilizes this fund from its own income as well as from resourses made available by other organizations

`Sahos’ of PKSF

Features Details
Type of policy Provides grant and flexible loan to organized group members to meet their emergency needs for pre-disaster preparation, during disaster and post-disaster reconstruction and rehabilitation works.
Source of Fund
  • Loan/grants from PKSF
  • 1% of service charge earned from POs microcredit programme to be deposited quarterly to this fund.
Activities Restoration of livelihoods, such as repairing houses, tube wells and latrines; providing urgent medical services; re-establishing IGAs and procuring consumer items to meet emergency needs.
Loan ceiling
  • The loan size for `Sahos’ would not exceed TK. 10,000/- per beneficiary at a time
  • In case of several disaster beneficiaries are allowed to borrow two Sahos loans at a time but the loan ceiling would not exceed Tk 15,000/- per person.
Loan Period PKSF to Partner Organizations ( POs) : Thirty (30) Month with six (6) month grace period
PO to Beneficiaries: Twenty Five (25) Month with one month grace period. 
Rate of Service Charge PKSF to (POs) : 0.5%(Declining balance method)
POs to Beneficiaries:4.0%(Nominal rate in flat method)|
Grant service For emercency relief, Food,  medicine etc.  
Summary of `Sahos’, May 2014
No. POs : 149
Current Borrower: 120698
Loan disburse: PKSF to PO: Tk. 439.33 crore
PO to Beneficiaries: Tk.502.34 crore

This fund made significant contributions during super cyclones ‘Sidr’ and ‘Aila’.