Stories

Jharna’s farm: A unique example of cleaner production

Jharna Akter (46), a dedicated entrepreneur from Kabutar Khola village in Srinagar, Munshiganj district, has proven that even the toughest obstacles can be overcome with the right approach and technology. Despite her long experience in cattle rearing, she faced severe social discontent and harsh reality due to poor waste (cow dung) management on her farm. With support from PKSF’s Sustainable Microenterprise and Resilient Transformation (SMART) project, Jharna has transformed her farm into a clean, profitable, and socially acceptable model.

Today, Jharna’s farm houses 12 cows, producing about 60 liters of milk daily, which serves as the main source of income for her family. Previously, she used to store cow dung beside the farm, causing the pond next to it to overflow into neighboring paddy fields. Located by the roadside, her farm’s waste created unbearable stench and environmental pollution. Eventually, complaints from neighbors and an order from the local union council chairman forced Jharna to consider shutting down her farm.

In this critical situation, a new opportunity emerged when she connected with the officials of the SMART project, implemented in the field by Resource Integration Center (RIC), a PKSF Partner Organization. Through them, she learned about the project’s Resource-Efficient and Cleaner Production (RECP) practices and how efficient resource use and improved waste management could make her farm sustainable and environmentally friendly.

Beginning of a new chapter: After joining the SMART project, the sub-project officials facilitated a solution by arranging for Md Mobarak Hossain, a local organic fertilizer producer, to purchase the dung from Jharna’s farm. Jharna shared, “The dung that almost forced me to shut down my farm is now being sold for money — something I never imagined. I learned from the project officials that Mobarak Hossain produces organic fertilizer commercially and sells it both locally and nationally.”

Inspired by this new income opportunity, Jharna decided to venture into organic fertilizer production herself. She took a loan of BDT four lakh from the Partner Organization under the SMART project. With project support, she established a biogas plant, a waste pit, and a vermicompost unit on her farm. She now uses biogas for cooking, and waste management is no longer an issue.

Additionally, she installed transparent sheets on the roof to reduce electricity costs, introduced net ventilation to improve indoor air quality, and fitted nozzles and foggers to ensure moderate water usage. These measures have significantly reduced the wastage of electricity, water, and fodder, while lowering environmental pollution. Consequently, her farm has maintained business growth while preserving environmental sustainability.

Taste of success: These interventions have not only reduced operational costs but also significantly boosted Jharna’s income. With further support from the SMART project, the health of her livestock has improved through regular balanced feeding, timely vaccinations, and deworming.

Seeing her success, other farmers in the area are now eager to adopt RECP practices, reinforcing the potential for a cleaner, more sustainable agricultural sector. Jharna proudly says, “The dung that almost closed my farm is now my source of income!”

Jharna Akter’s journey is more than just the transformation of a farm — it stands as a testament to how the right support and awareness can turn challenges into opportunities. Today, her farm shines as a model of clean and sustainable production.

Extreme Poverty Reduction
News & Events

SMART project earns praise from FID and World Bank for impressive progress

The Financial Institutions Division (FID) and the World Bank commended the impressive progress of the Sustainable Microenterprise and Resilient Transformation (SMART) project during the concluding session of the World Bank’s Implementation Support Mission (ISM). The wrap-up session took place on 20 April 2025 at PKSF Bhaban-1, marking the end of the mission that began on 8 April.

Task Team Leader of the SMART project, Eun Joo Allison, express the World Bank’s satisfaction with the project’s progress at the wrap-up session of the meeting chaired by Md Ahsan Kabir, Additional Secretary of the FID. Md Ahsan Kabir also echoed his appreciation for the achievements made under the project. A similar note of encouragement was shared during an earlier session chaired by PKSF Managing Director Md Fazlul Kader.

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Other key attendees included PKSF Deputy Managing Director Md Mashiar Rahman, SMART Project Coordinator Gokul Chandra Biswas, and officials from both FID and PKSF. The mission commenced with a kick-off meeting chaired by Md Mashiar Rahman, who emphasized the SMART PMU’s dedication to implementing low-cost, energy-efficient technologies, particularly in wastewater management in the loom sector.

Throughout the mission, the World Bank team conducted an in-depth review of component-wise progress and visited multiple field-level interventions. From 13 to 17 April, they observed plastic recycling activities in Chattogram (implemented through YPSA), eco-friendly construction and eco-tourism initiatives in Thakurgaon and Panchagarh (via ESDO), automobile workshop interventions in Bogura (through TMSS), and machinery and equipment-related enterprises in Bogura (implemented by GUK).

A stakeholder workshop was also held at GUK’s headquarters in Bogura, bringing together regional stakeholders, micro-entrepreneurs, and relevant government officials.

The SMART project, jointly implemented by PKSF and the World Bank, aims to improve the environmental sustainability of 80,000 microenterprises across the manufacturing, agriculture, and service sectors in Bangladesh. By promoting energy-efficient technologies and cleaner production methods, the project is enhancing productivity, generating employment, empowering women, and contributing to inclusive economic growth.