Bangladesh is a disaster prone country. Various types of disasters occur every year causing heavy damage to crops, livestock, households and other properties of poor people living in disaster prone areas. The northern part of Bangladesh particularly the riverine area of the mighty river Jamuna, Teesta and Bangali passing through a vast area of Gaibandha, Bogra and Sirajgonj districts submerging nearby communities and island chars. The main objective of SHAHOS (DML) is to support poor and ultra poor members with soft loan for disaster preparedness and post disaster rehabilitation through repair & renovation of households, installation of flood free tube-wells, latrines etc. During the period under report BDT 15,96,000/- has been disbursed to 716 borrowers. The cumulative amount disbursed stands BDT 3,18,88,000/- among 14582 borrowers.