Social entrepreneur weaves together benefits for Bangladesh garment workers

March 4, 2017

Saif Rashid believes that, given the right market opportunities, millions of Bangladeshis can lift themselves up financially. With an innovative new model called APON, he is empowering the workers of Bangladesh’s ready-made garment manufacturing industry to increase their disposable income and build better, healthier lives.

According to Clean Clothes Campaign, only China is ahead of Bangladesh in supplying garments to the world market; Bangladesh exported about $20 billion worth of garments in 2013, representing 80% of its exports. As industry observers have pointed out, the country’s economy has come to rely on exporting low-price apparel to a world full of consumers hooked on “fast fashion.”

Eighty percent of the country’s 4.2 million ready-made garment (RMG) sector workers are women, and many struggle to support their families even with full-time work, due to chronically low factory wages.

With APON, Saif offers these workers a way to both grow their disposable income and receive subsidized health care for their families, without forcing factory owners to increase worker pay. He does this by selling them discounted consumer staples at a workers-only shop, where their purchases earn them points toward a workplace benefits scheme.  

APON sets up and manages these shops inside the RMG factories, selling packaged food, hygienic products and other disposables to the factory workers at a slight discount—about 8% to 10% less than at retail outside the factory. Each purchase from the shop earns a worker points that accumulate on her APON account. For every 100 Bangladeshi taka (about $1.25) spent, the worker earns 1 APON point. With 200 points, the worker gains access to APON’s zero-cash health coverage, allowing her to get free medical diagnoses and prescriptions from a doctor.

As a veteran of corporate engagement at CARE Bangladesh and a serial social entrepreneur, Saif sought a scalable approach to support the RMG sector without relying on donations or grants. Purchases through APON shops allow workers to increase their disposable income and gain access to reliable health care services and other wellbeing benefits, perhaps for the first time in their lives.


“We don’t need funding from the factory for the health of the workers, [or] funding from the buyer to finance the health, which was always a struggle to get,” Saif says. “Now, workers can generate their own health finance.”


Saif was elected an Ashoka Fellow in 2015 and is part of Fabric of Change, a partnership between Ashoka and C&A Foundation, that recognizes APON for its potential to shape a more equitable global apparel value chain.  

APON aims to overcome a persistent apparel industry barrier: that a job is not enough for low-income workers to secure long-term wellbeing.

Source: Trust