grameen bank, means the rural or the village bank it provides credit and financial services : ...

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 ?

Centre meeting

Today it isone of the

largest financial institution

s in the

country

GRAMEEN BANK WAS ESTABLISHED IN 1983

Grameen Bank is owned by the poor people themselves

GRAMEEN

BANK

Covers almost

the Whole Country

Organisational structure of Grameen Bank

1,197 Branch Office

50-60 Centres per Branch

3 million members

Each Centremade up of8 Group of 5 borrowers

each Head Office

18 Zonal Office

123 Area Office

GroupGroup

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

Grameen Bank Share Capital Distribution

Composition of Board of Directors

Elected Representatives of Borrowers : 9

Government Nominees : 3Ex-Officio Managing Director : 1

Grameen Bank loans Programme

1. Basic Loan

2. Housing Loan

3. Higher Education Loan

Basic Loan

Flexible Loan

Basic Loan for Special Projects

Housing loan

Higher Education loan

Scholarship Program of Grameen Bank

1 Exclusive focus on bottom poor.

Essentials Features of Grameen Credit Delivery System

2 Borrowers organised into small homogeneous groups.

3 Loan conditional ties specially suitable for the poor.

Essentials Features of Grameen Credit Delivery System

4 Capable organisation and management system.

5 Loan portfolio to meet diverse development needs.

Essentials Features of Grameen Credit Delivery System

6 Social development programme. - Sixteen decisions.

1. We shall follow and advance the four principles of

Grameen bank -- discipline, unity, courage and hard

work --- in all walks of our lives.

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.

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.

6. We shall plan to keep our families small. We shall

minimize our expenditures. We shall look after our health .

7. We shall educate our children and ensure that

we can earn to pay for their education.

8. We shall always keep our children and

the environment clean.

9. We shall build & use proper latrines.

10. We shall boil water before drinking or use alum to

purify it. We shall use pitcher filter to remove arsenic.

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.

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.

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.

16. We shall take part in all social activities collectively.

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

Grameen Savings Schemes

GRAMEEN FAMILY OF BUSINESS ENTERPRISES

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

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)

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

Not for Profit

Rural Health Programme

Grameen Himager

GrameenKnitwear

Packages Co. Limited.

Tulip Dairy

Grameen Phone

Gonoshastho Grameen

Textile millsGrameenShikkha

GrameenUddog

GrameenKrishi

Foundation

GrameenTelecom

GrameenKalyan

GrameenBank

GrameenFisheries

GrameenTrust

GrameenShamogree

GrameenShakti

GrameenFund Grameen

Communi-cations

Main Issues Before GB Today

1. Issue of Macro Policy (i.e. Government policies)

support to micro level credit for poverty alleviation.

2. Issue of raising productivity through application of new technologies.

Main Issues Before GB Today

Solar Energy

Computer Training

Centre Mobile phone

3. Issue of improved co-ordination with government

and non- government institutions/ programs.

Main Issues Before GB Today

PKSF

NGO’S

Small Industry

BangladeshBank

Ministryof

Industry

CommercialBank

FinanceMinistry

BRDBGrameen

Bank

Government

AgricultureMinistry

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

Ultimate Goals

Production Team

Editing & Compilation Md. Ekramul Haque

Narration Faatin Ameena Chaudhury

AndSumana Hannan

Source of this file:http://www.barka.org.pl/eu_documents/7%20GB%20Microcredit.PPT