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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 ?
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