The document provides background information on Muhammad Yunus and the Grameen Bank microcredit program he founded in Bangladesh. It details how Yunus began providing small loans to poor villagers without collateral in the 1970s. This grew into the Grameen Bank, which now loans over $10 billion to over 8 million borrowers, most of whom are women. The bank defines criteria for moving families out of poverty and has a set of social principles called the "Sixteen Decisions" that borrowers must follow. Microcredit aims to help the poorest individuals start businesses to generate income through small, affordable loans.

1. Microcredit Presentation Produced By Marty Jenkins Respectful Dialogue Programs [email_address] 805-964-2550 Updated April 2011

2. Muhammad Yunus

5. Bangladesh

6. Chittagong

9. Nobel Peace Prize Mosammat Taslima Begum We must address the root causes of terrorism to end it for all time to come. I believe that putting resources into improving the lives of the poor people is a better strategy than spending it on guns.” Muhammad Yunus “ I believe terrorism cannot be won over by military action. Terrorism must be condemned in the strongest language. We must stand solidly against it, and find all the means to end it. Muhammad Yunus

23. Grameen Bank 16 Decisions

24. 1. We shall follow and advance the four principles of Grameen Bank --- Discipline, Unity, Courage and Hard work – in all walks of our lives.

25. 2. Prosperity we shall bring to our families.

26. 3. We shall not live in dilapidated houses. We shall repair our houses and work towards constructing new houses at the earliest.

27. 5. We shall grow vegetables all the year round. We shall eat plenty of them and sell the surplus.

28. 6. During the plantation seasons, we shall plant as many seedlings as possible.

29. 7. We shall plan to keep our families small. We shall minimize our expenditures. We shall look after our health.

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

31. 8. We shall always keep our children and the environment clean.

32. 9. We shall build and use pit-latrines.

33. 10. We shall drink water from tubewells. If it is not available, we shall boil water or use alum

34. 11. We shall not take any dowry at our sons' weddings, neither shall we give any dowry at our daughters wedding. We shall keep our centre free from the curse of dowry. We shall not practice child marriage.

35. 12. We shall not inflict any injustice on anyone, neither shall we allow anyone to do so.

36. 13. We shall collectively undertake bigger Investments for higher incomes.

37. 14. We shall always be ready to help each other. If anyone is in difficulty, we shall all help him or her.

38. 15. If we come to know of any breach of discipline in any centre, we shall all go there and help restore discipline.

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

41. Phone Ladies

43. Presentation Created By Marty Jenkins Respectful Dialogue Programs [email_address]