Grameen bank business plan pdf

Many of these programs specifically target women Based on the view that they are more likely than men to be credit constrained, have restricted access to the wage labor market, and have an inequitable share of power in household decision-making. The Grameen Bank of Bangladesh is perhaps the best-known example of this small-scale production Credit programs for the poor and over 90 percent of its clients are women.

Grameen bank business plan pdf

The bank began as a research project by Yunus and the Rural Economics Project at Bangladesh's University of Chittagong to test his method for providing credit and banking services to the rural poor. Inthe village of Jobra and other villages surrounding the University of Chittagong became the first areas eligible for service from Grameen Bank.

By a Bangladeshi government ordinance on October 2,the project was transformed into an independent bank. The Bank today continues to expand across the nation and still provides small loans to the rural poor. ByGrameen Bank branches numbered over 2, In the initial years, donor agencies used to provide the bulk of capital at very cheap rates.

In the mids, the bank started to get most of its funding from the central bank of Bangladesh. More recently, Grameen has started bond sales as a source of finance.

grameen bank business plan pdf

The bonds are implicitly subsidised as they are guaranteed by the Government of Bangladesh and still they are sold above the bank rate. Discipline, Unity, Courage and Hard work — in all walks of our lives. Prosperity we shall bring to our families. We shall not live in dilapidated houses.

grameen bank business plan pdf

We shall repair our houses and work towards constructing new houses at the earliest. We shall grow vegetables all the year round. We shall eat plenty of them and sell the surplus.

During the plantation seasons, we shall plant as many seedlings as possible. We shall plan to keep our families small. We shall minimize our expenditures. We shall look after our health. We shall educate our children and ensure that they can earn to pay for their education. We shall always keep our children and the environment clean.

We shall build and use pit-latrines. We shall drink water from tubewells. If it is not available, we shall boil water or use alum. We shall not take any dowry at our sons' weddings, neither shall we give any dowry at our daughter's wedding.


We shall keep our centre free from the curse of dowry. We shall not practice child marriage. We shall not inflict any injustice on anyone, neither shall we allow anyone to do so. We shall collectively undertake bigger investments for higher incomes. We shall always be ready to help each other.

If anyone is in difficulty, we shall all help him or her. If we come to know of any breach of discipline in any centre, we shall all go there and help restore discipline. We shall take part in all social activities collectively. As a result of the Sixteen Decisions, Grameen borrowers have been encouraged to adopt positive social habits.

One such habit includes educating children by sending them to school. Since the Grameen Bank embraced the Sixteen Decisions, almost all Grameen borrowers have their school-age children enrolled in regular classes.

This in turn helps bring about social change, and educate the next generation. Although each borrower must belong to a five-member group, the group is not required to give any guarantee for a loan to its member.Grameen Bank (GB) is called the bank of hapless people in Bangladesh.

It has been established for the public assistance of the hapless small town people of Bangladesh, which becomes a function theoretical account of the universe of micro recognition banking system.

Social Business

leaders from the worlds of business, finance, government, and philanthropy. By fostering collaboration between In fact, many microfinance NGOs plan to become formal financial institutions to expand their services. LENDING MODELS Grameen Bank, the best-known and . In this paper we examine how a third-party – Grameen Bank in Bangladesh – created social capital that has been a boon to the explosive growth of Microfinance in Bangladesh and elsewhere.

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Muhammad Yunus, founder of Grameen Bank and Nobel Peace Prize recipient, will tell us how this. The Grameen Bank, founded in by economist Muhammad Yunis, who was a fine soccer player in his youth, provides the only unique alternative via loans to prospective business owners, whether they are given only to those who fall below a.

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