This slide is about debated issues on Micro-credit of Engram Bank Bangladesh.

1. Group Member
Name ID
Sanjana Islam M1516005
Sahzahan Mia Shazo M1516009
Israt Sharmin M1516025
Md. Norul Basor M1516031
Rana Sharmila Nuzla M1516075

2. DEBATE ON MICROCREDIT OF GRAMEEN BANK

3.  Microcredit
It starts its journey from 1983. Starts with 27 women.
 Debated Issue
Interest rate, impact ,women empowerment, education,
grouping procedure, membership procedure and poverty
reduction.

4. Broad Objectives
To analyze the Debated issues on Microcredit of Grameen Bank
Specific Objectives
To analyze the interest rate, impact and membership
process of Grameen Bank in Bangladesh.

5.  whether the interest rate of Grameen Bank is high in the
market
 impact of Grameen Bank’s loan in a particular place
 Membership Procedure and
 Group lending

6.  Scope:
Grameen Bank is one of the largest NGO in Bangladesh.
 Limitation
Time
Cost
Sample size
Organizational privacy

7.  Finance plays a crucial role in the development of a country.
It adds fuel for the investors.
 a small size financial institution is also engaged with million
dollars.
 Microcredit was born to reduce the limitation of formal
banking sector and aggression of local loan shark.

8.  Besides building financial strength of the poor women by
encouraging them to build up significant amount of personal
savings, borrower deposit is also a very important element in
Grameen Bank.
 Grameen Bank (GB) has inverted usual banking practice by
removing the need for collateral and created a banking system
based on mutual trust and participation.

9.  Grameen Bank Credit methodology means taking credit to the
very poor in their villages by means of the essential elements
of the Grameen credit delivery system. Grameen Bank credit
delivery system has some features.

10.  Bangladesh became the first country in the world to
establish the MRA as a separate entity under a separate
act to license, monitor and oversee the MFIs

11.  LITERATURE REVIEW

12.  Research Design
 Sample Selection
 Survey Method
 Living standard index

13. Basic Analysis

16.  The rate of interest of Grameen Bank is reasonable
 The procedure of obtaining loans from Grameen Bank is easier
 Operational assistance received from GB is helpful to run the
business
 Loan terms flexible
 Grameen Bank has not made you more poor
 Grameen Bank alleviates poverty
 Grameen Bank is sufficient for required loan
 You are not caught in the net of loan
 Do you feel you are an owner?
 Do you feel any group pressure?

19.  Income
 Expenditure
 Savings
 Property value
94.79
%
91.67
%
67.71
%
Monthly income Monthly expenditure Monthly savings

20.  Group pressure
 No direct inspection
 No dramatic change in education and age of early marriage
 Competition from agent
 Lack of consideration for the loan defaulters
 It has reached to the furthest region of the country
 Women are empowerment
 Poverty level has reduced

21.  Microcredit has significant positive relation with the life
standard index.
 Although 38% of the surveyed people strongly agree but
majority 54% had confusion regarding the membership
process of Grameen Bank.
 Periodic installment payment should be exempted from
interest calculation. Interest should be charged on the
utilized portion only. Payment frequency should be
customized based on the size of the loan.

22.  There are some negative issues of Grameen Bank

23. ANY QUARY?

24. 
 THANK YOU