Microcredit

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Microcredit
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WHAT IS GRAMEEN BANK ?
Grameen bank, means the rural or The village bank

• It provides credit and financial services
• Exclusively to the rural poor in Bangladesh.
• without any collateral for creating self
  employment
• opportunities to quickly
• increase their income and
• empower the poor.

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Centre meeting
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GRAMEEN BANK WAS ESTABLISHED IN 1983
Today it is one of the largest financial
institutions in the country
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Grameen Bank is owned by the poor people
themselves
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GRAMEEN BANK Covers almost the Whole Country
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Organisational structure of Grameen Bank
Each Centre made up of 8 Group of 5
borrowers each
Group
1,197 Branch Office
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Grameen Bank Share Capital Distribution

• Authorized Capital Tk. 500 million
• Paid up Capital Tk. 400 million
• Subscribed Capital (Till)
• a) Govt. Share Tk. 18.00 million (7)
• b) Borrower members share Tk. 237.79
  (93)
• Total Tk. 255.79 million

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Composition of Board of Directors
Elected Representatives of Borrowers
9 Government Nominees 3 Ex-Officio
Managing Director 1
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Grameen Bank loans Programme
1. Basic Loan 2. Housing Loan 3. Higher
Education Loan
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Basic Loan
Flexible Loan
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Basic Loan for Special Projects
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Housing loan
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Higher Education loan
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Scholarship Program of Grameen Bank
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Essentials Features of Grameen Credit Delivery
System
1 Exclusive focus on bottom poor.
2 Borrowers organised into small homogeneous
groups.
3 Loan conditional ties specially suitable for
the poor.
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Essentials Features of Grameen Credit Delivery
System
4 Capable organisation and management system.

5 Loan portfolio to meet diverse development
needs.
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Essentials Features of Grameen Credit Delivery
System
6 Social development programme. - Sixteen
decisions.
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1. We shall follow and advance the four
principles of Grameen bank --
discipline, unity, courage and hard
work --- in all walks of our lives.
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2. Prosperity we shall bring to our
families.
3. We shall not live in dilapidated houses
. We shall repair our houses and work
towards constructing new houses at the
earliest.
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4. We shall grow vegetables all the year
round. We shall eat plenty of
them and sell the surplus.
5. During the plantation seasons, We shall
plant as many seedlings as possible.
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6. We shall plan to keep our families
small. We shall minimize our
expenditures. We shall look after our health .
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7. We shall educate our children and ensure
that we can earn to pay for
their education.
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8. We shall always keep our children and
the environment clean.
9. We shall build use proper latrines.
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10. We shall boil water before drinking or
use alum to purify it. We shall use
pitcher filter to remove arsenic.
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11. We shall not take any dowry at our sons
weddings, nor shall we give any
dowry at our daughters wedding. We
shall keep our centre free form the curse
of dowry. We shall not practice child
marriage.
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12. We shall not inflict any injustice on
anyone, neither shall we allow anyone
to do so.
13. We shall collectively undertake
bigger investments for higher
incomes.
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14. We shall always be ready to help each
other. If anyone is in difficulty,
We shall all help him or her.
15. If we come to know of any breach of
discipline in any centre, We shall all
go there and help restore discipline.
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16. We shall take part in all social activities
collectively.
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Grameen Savings Schemes

• 3.0 New Savings Schemes
• Grameen Pension Schemes
• Fixed Deposits
• 7- Years Deposits
• Special Savings Funds
• Monthly Profit Schemes

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GRAMEEN FAMILY OF BUSINESS ENTERPRISES
FOR PROFIT Name of Company
Year of Establishment Grameen Bank 1983 Gonos
hasthaya Grameen Textile Mills 1995 Grameen
Cybernet 1996 Grameen Phone 1996 Grameen
Knitwear Ltd. 1997 Grameen Bitek 1998 Tuli
p Dairy 1998 Grameen Software
Ltd. 1999 Grameen IT Park Ltd 2000
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Not for Profit
Name of Company Year of Establishment Grameen
Trust 1989 (Technical financial support for
replication of Grameen approach
worldwide) Grameen Agriculture Foundation 1991 Gr
ameen Fisheries Foundation 1994 Grameen
Uddog 1994 (Production, marketing and export
of hand woven fabrics i.e. Grameen
Check) Grameen Fund 1994 (A social venture
fund for new entrepreneurs) Grameen
Telecom 1995 (Providing cellular phone
services in rural areas)
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Not for Profit
Name of Company Year of Establishment Grameen
Shamogree 1996 (Marketing of Grameen
products) Grameen Shakti 1996 (Pilot
testing and marketing of renewable energy
products i.e. solar pv, wind power and
biomass) Grameen Kalyan 1996 (Welfare
programmes for GB members and staff) Grameen
Shikkha 1997 (Educational
programmes) Grameen Communications
1997 (Nationwide network for internet, data
processing services) Grameen Business Promotion
Services 2001 Grameen Capital Management
1998
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RURAL POOR
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Main Issues Before GB Today
1. Issue of Macro Policy (i.e. Government
policies) support to micro level credit
for poverty alleviation.
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Main Issues Before GB Today
2. Issue of raising productivity through
application of new technologies.
Computer Training Centre
Mobile phone
Solar Energy
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Main Issues Before GB Today
3. Issue of improved co-ordination with
government and non- government
institutions/ programs.
Government
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Ultimate Goals
The easiest way to accomplish to provide the poor
with easy access to Credit ..... .
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Thank you for your kind attention
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Production Team Editing Compilation ? Md.
Ekramul Haque Narration ? Faatin Ameena
Chaudhury And ? Sumana Hannan
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