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8/17/2019 Sush Grameen Bank
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GRAMEEN BANK
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INTRODUCTION
The Grameen Bank is a community deveo!ment "ank started in
Ban#adesh$
They #ive sma oans %kno&n as microcredit or '#rameencredit'
to !oor !eo!e &ithout askin# (or money "e(ore the oan is #iven$
The &ord 'Grameen') is made o( the &ord '#ram' or 'via#e')
and means 'o( the via#e'$
It is a "ankin# system "ased on
o
Mutua trusto Accounta"iity
o *artici!ation
o Creativity
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MU+AMMAD ,UNU-
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DETAI.-Grameen Bank %GB/ Grameen Bank Buidin# in Dhaka
Ty!e Body Cor!orate %Bank Ordinance/
Industry 0inance
1hen it &as created 2345
No o( ocation 67898 %:uy 7;2;/
+ead Taka %7;;9/?2@
O!eratin# income Increase 8)383)98);25 Taka %7;;9/?2@
Net income Increase 2)534)288);5; Taka %7;;9/?2@
Tota assets 83)545)972)74 Taka %7;;9/?7@
Em!oyees 7>);5 %Oct 7;;/?5@
1e"site htt!6&&&$#rameenin(o$or#
http://www.grameen-info.org/http://www.grameen-info.org/
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+I-TOR,
Grameen means rura or via#e in Ban#adesh
Ori#in 239
0ounder 6 !ro( Muhammad ,unus) head o( the rura economics !ro#ram at the
university o( Chitta#on# aso a &e renoned no"e aureate$
+e &as ins!ired durin# the terri"e Ban#adesh (amine o( 23>
The "ank &as immensey success(u$
By Ban#adeshi #overnment ordinance on oct72345)the !ro=ect &as
trans(ormed into an inde!endent "ank
The "ank today continuous to eF!and across the nation and is o&ned "y the rura
!oor &hom it serves$
By 7;;9 #rameen "ank "ranches num"ered over 72;;
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T+E 29 DECI-ION- O0 GRAMEEN BANK2$ 1e sha (oo& and advance the (our !rinci!es o( Grameen Bank6 Disci!ine)
Unity) Coura#e and +ard &ork in a &aks o( our ives$
7$ *ros!erity &e sha "rin# to our (amiies$
5$1e sha not ive in dia!idated houses$ 1e sha re!air our houses and &ork to&ards
constructin# ne& houses at the eariest$
>$1e sha #ro& ve#eta"es a the year round$ 1e sha eat !enty o( them and se the
sur!us$
8$Durin# the !antation seasons) &e sha !ant as many seedin#s as !ossi"e$
9$1e sha !an to kee! our (amiies sma$ 1e sha minimiHe our eF!enditures$ 1e sha
ook a(ter our heath$
$ 1e sha educate our chidren and ensure that they can earn to !ay (or their
education$
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10.We shall drink water from tubewells. If it is not available, we shall boiluse alum.
11.We shall not take any dowry at our sons' weddings, neither shall we givat our daughter's wedding. We shall keep our centre free from the curse of d
shall not practice child marriage.
12. We shall not inflict any inustice on anyone, neither shall we allow any
so.
1!.We shall collectively undertake bigger investments for higher incomes.
1". We shall always be ready to help each other. If anyone is in difficulty, whelp him or her.
1#. If we come to know of any breach of discipline in any centre, we shall
and help restore discipline.
1$.We shall take part in all social activities collectively.
4$ 1e sha a&ays kee! our chidren and the environment cean$
3$1e sha "uid and use !itatrines$
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-TRUCTURE O0 GRAMEEN BANK
+ead o((ice
ona o((ices
Area o((ices
Branches
centers
Grou!s in via#es
2 O (or 4 Ar
2 Branch (or 8
Each Grou! &i
2 AO (or 4 2;27 Branches
2 center (or 94 #rou!s
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+OW IT FUNCTIONS
8 mem"er #rou! is (ormed) they must "e nei#h"ors "ut not reatives$
Grou! a!!roves a oan re
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GRAMEEN BANK J- CITI BANK
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Grameen "anks
To "rin# economic and socia chan#e to the !oor
Based on trust
.ooks at &hat the "orro&er can have
.ocated in rura areas
The "ank #oes to the customer
0eFi"e !ayment scheme
Most o&ners and "orro&ers are !oor &omen
.oans are (or !roductive activity) not consum!tion
Conventiona "anks
.ooks at
Cu
Most o&ners a
.oans coud "e used (or
vs
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OB:ECTIJE-
EFtend "ankin# (aciities to !oor
Eiminate the eF!oitation o( the !oor "y money enders Create o!!ortunities (or se( em!oyment (or the vast mutitude o(
unem!oyed !eo!e in rura Ban#adesh$
Brin# the disadvanta#ed) mosty the &omen (rom the !oorest househods)
&ithin the (od o( an or#aniHationa (ormat &hich they can understand andmana#e "y themseves$
Reverse the a#e od vicious circe o( o& income) o& savin# and o&
investment into virtuous circe o( o& income) in=ection o( credit)investment) more income) more savin#s) more investment) more income
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T,*E- O0 .OAN- IN GRAMEEN BANK
-ECURED .OAN 6
A/ CAR .OAN
B/ *RO*ERT, .OAN
C/ MORTAGE .OAN
UN-ECURED .OAN6
A/ *ER-ONA. .OAN
-UB-IDIED DEMAND
CONCE--IONA.
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*RE-ENTED B,6
-U-+MIT+A$K$C
NANDINI$D
A-+A$R NARE-+
+ARI-+ REDD,
-U-+MA
TABA--UM 0AT+IMA
M.COM 2ND SEM
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