It is time to think back to 20 years ago when we planted a seed named People’s Welfare Foundation with a few tender leaves. Over the years, it has grown, becoming a tree after experiencing many challenges, problems, limitations, and Global financial threats. I am delighted to spell out that the success of the People’s Welfare Foundation is more static/advanced than we dreamt. The foundation has covered 136 villages, 3,075members, 2,197 borrowers, and 30 unions up to the last financial year. The total savings generated by its members of Laksam, Barura, Sadar South, Nagarkot, Lalmai, and Chaddagram under Cumilla District reached a savings balance of BDT 24,955,627 and the People’s Welfare Foundation has disbursed a loan for BDT 91,620,000 and loan of outstanding BDT 93,997,100 till the year ended 31th August 2024. This radical achievement and the chance to take challenges energize us to work harder for future success and growth/development. We are very grateful to the Micro Credit Regulatory Authority (MRA), Mac Foundation, Bangladesh NGO Foundation, Palli Karma-Sahayak Foundation (PKSF), Bangladesh Commerce Bank Ltd., Midland Bank Ltd., Pubali Bank Ltd., other Commercial Banks, Local administration, Upazilla Nirbahi Officers, Members of Parliament, Local Union Chairman, and Deputy Commissioner Cumilla for their generous contributions and helping hand. We would promptly extend my gratitude to our honorable Governing Body members, General Body members, Donors, partners, well-wishers, and valued beneficiaries. May Allah bless all of us to ensure these collective efforts!