7 GB Microcredit

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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. WHAT IS GRAMEEN BANK ?

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Centre meeting

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Today it is one of the largest financial institutions in the country GRAMEEN BANK WAS ESTABLISHED IN 1983

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GRAMEEN BANK Covers almost the Whole Country

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1,197 Branch Office Each Centre made up of 8 Group of 5 borrowers each

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

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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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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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4 Capable organisation and management system. 5 Loan portfolio to meet diverse development needs.

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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 son’s 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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13. We shall collectively undertake bigger investments for higher incomes. 12. We shall not inflict any injustice on anyone, neither shall we allow anyone to do so.

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

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FOR PROFIT Name of Company Year of Establishment Grameen Bank 1983 Gonoshasthaya Grameen Textile Mills 1995 Grameen Cybernet 1996 Grameen Phone 1996 Grameen Knitwear Ltd. 1997 Grameen Bitek 1998 Tulip Dairy 1998 Grameen Software Ltd. 1999 Grameen IT Park Ltd 2000

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Name of Company Year of Establishment Grameen Trust 1989 (Technical & financial support for replication of Grameen approach worldwide) Grameen Agriculture Foundation 1991 Grameen 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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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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1. Issue of Macro Policy (i.e. Government policies) support to micro level credit for poverty alleviation.

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2. Issue of raising productivity through application of new technologies. Solar Energy Computer Training Centre Mobile phone

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3. Issue of improved co-ordination with government and non- government institutions/ programs. Government

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The easiest way to accomplish to provide the poor with easy access to Credit ..... .

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Production Team Editing & Compilation  Md. Ekramul Haque Narration  Faatin Ameena Chaudhury And  Sumana Hannan