3. 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 ?

4. Centre meeting

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

6. Grameen Bank is owned by the poor people themselves

7. GRAMEEN BANK Covers almost the Whole Country

8. Organisational structure of Grameen Bank 1,197 Branch Office 50-60 Centres per Branch 3 million members Each Centre made up of 8 Group of 5 borrowers each Head Office 18 Zonal Office 123 Area Office Group

9.  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%) TotalTk. 255.79 million Grameen Bank Share Capital Distribution

10. Composition of Board of Directors Elected Representatives of Borrowers : 9 Government Nominees : 3 Ex-Officio Managing Director : 1

11. Grameen Bank loans Programme 1. Basic Loan 2. Housing Loan 3. Higher Education Loan

12. Basic Loan Flexible Loan

13. Basic Loan for Special Projects

14. Housing loan

15. Higher Education loan

16. Scholarship Program of Grameen Bank

17. 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.

18. Essentials Features of Grameen Credit Delivery System 4 Capable organisation and management system. 5 Loan portfolio to meet diverse development needs.

19. Essentials Features of Grameen Credit Delivery System 6 Social development programme. - Sixteen decisions.

20. 1. We shall follow and advance the four principles of Grameen bank -- discipline, unity, courage and hard work --- in all walks of our lives.

21. 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.

22. 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.

23. 6. We shall plan to keep our families small. We shall minimize our expenditures. We shall look after our health.

24. 7. We shall educate our children and ensure that we can earn to pay for their education.

25. 8. We shall always keep our children and the environment clean. 9. We shall build & use proper latrines.

26. 10. We shall boil water before drinking or use alum to purify it. We shall use pitcher filter to remove arsenic.

27. 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.

28. 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.

29. 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.

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

31. 3.0 New Savings Schemes Grameen Pension Schemes Fixed Deposits 7- Years Deposits Special Savings Funds Monthly Profit Schemes Grameen Savings Schemes

32. GRAMEEN FAMILY OF BUSINESS ENTERPRISES FOR PROFIT Name of Company Year of Establishment Grameen Bank1983 Gonoshasthaya Grameen Textile Mills1995 Grameen Cybernet1996 Grameen Phone1996 Grameen Knitwear Ltd.1997 Grameen Bitek1998 Tulip Dairy1998 Grameen Software Ltd.1999 Grameen IT Park Ltd 2000

33. Name of CompanyYear of Establishment Grameen Trust1989 (Technical & financial support for replication of Grameen approach worldwide) Grameen Agriculture Foundation1991 Grameen Fisheries Foundation1994 Grameen Uddog1994 (Production, marketing and export of hand woven fabrics i.e. Grameen Check) Grameen Fund1994 (A social venture fund for new entrepreneurs) Grameen Telecom1995 (Providing cellular phone services in rural areas) Not for Profit

34. 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

35. Rural Health Programme Grameen Himager Grameen Knitwear Packages Co. Limited. Tulip Dairy Grameen Phone Gonoshastho Grameen Textile mills Grameen Shikkha Grameen Uddog Grameen Krishi Foundation Grameen Telecom Grameen Kalyan Grameen Bank Grameen Fisheries Grameen Trust Grameen Shamogree Grameen Shakti Grameen Fund Grameen Communi- cations

36. Main Issues Before GB Today 1. Issue of Macro Policy (i.e. Government policies) support to micro level credit for poverty alleviation.

37. 2. Issue of raising productivity through application of new technologies. Main Issues Before GB Today Solar Energy Computer Training Centre Mobile phone

38. 3. Issue of improved co-ordination with government and non- government institutions/ programs. Main Issues Before GB Today PKSF NGO’S Small Industry Bangladesh Bank Ministry of Industry Commercial Bank Finance Ministry BRDB Grameen Bank Government Agriculture Ministry

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

42. Production Team Editing & Compilation  Md. Ekramul Haque Narration  Faatin Ameena Chaudhury And  Sumana Hannan Source of this file: http://www.barka.org.pl/eu_documents/7%20GB%20Microcredit.PPT