Grameen Bank is a microfinance organization and community development bank founded in Bangladesh that provides small, collateral-free loans to impoverished individuals. It was started in 1976 by Professor Muhammad Yunus and became an officially chartered bank in 1983. Grameen Bank aims to provide financial services to the rural poor, eliminate money lender exploitation, and create self-employment opportunities through a system the disadvantaged can understand. It offers housing, education, and livelihood loans through a group-lending model that builds social support and accountability among borrowers. Grameen Bank pioneered the concept of microcredit and microfinance for poverty alleviation.

2. Comparative Financial System
(252407)
Shirin Akter
Associate professor of
Finance and Banking
department.
Dhaka Commerce College

3. Group Members:
1. NAME : JANNATUL NYMA (LEADER)
ROLL : 1408
2. NAME : SHOYEB MAHMUD KHAN NEHAL
ROLL : 1394
3. NAME : Tasmin zaman Tinni
ROLL : 1409
4. NAME : A.K.M AINUN NISAT UTSHA
ROLL : 1374
5. NAME : FAYSAL ARAFAT
ROLL : 1395

4. Definition of Grameen Bank:
 Grameen Bank is a microfinance organisation
and community development bank founded in Bangladesh.
It makes small loans (known as microcredit or
"grameencredit") to the impoverished without
requiring collateral.
 Grameen Bank originated in 1976, in the work of
Professor Muhammad Yunus at University of Chittagong,
who launched a research project to study how to design a
credit delivery system to provide banking services to the
rural poor. In October 1983 the Grameen Bank was
authorised by national legislation to operate as an
independent bank.

5. History of Grameen Bank :
 The origin of Grameen Bank can be traced back to
1976 when Professor Muhammad Yunus, Head of the
Rural Economics Program at the University of
Chittagong, launched an action research project to
examine the possibility of designing a credit delivery
system to provide banking services targeted at the
rural poor.

6. The Role of Grameen Bank :
 The main functions of Grameen Bank are to provide
collateral-free credit facilities in cash of on kind
to landless persons for various types of income-
generation and livelihood activities.

7. Objectives of Grameen Bank
 "By providing comprehensive financial services, empowering the
poor to realise their potential and break out of the vicious cycle
of poverty."
 Extend banking facilities to poor men and women;
 Eliminate the exploitation of the poor by money lenders;
 Create opportunities for self-employment for the vast multitude
of unemployed people in rural Bangladesh;
 Bring the disadvantaged, mostly the women from the poorest
households, within the fold of an organisational format that they
can understand and manage by themselves; and
 Reverse the age-old vicious circle of "low income, low saving &
low investment" into a virtuous circle of "low income, injection
of credit, investment, more income, more savings, more
investment, more income".

8. Grameen Bank Housing Loan
 The Grameen Bank Housing Programme was started
with the following aims:
 To bring housing within the reach of the rural poor;
 To support the building of houses that are durable,
safe and do not need a high recurring expenditure on
repair and replacement;
 To permit the house to be built and maintained using
locally available skills and materials;
 To sustain the wellbeing and pride of the inhabitants
in order to enhance and sustain their motivation for
economic activity.

9. The Role of Dr. Muhammad Yunus
to Polularized to micro credit :
 Muhammad Yunus and Grameen Bank were awarded
the Nobel Peace Prize for 2006 for their work to
“create economic and social development from
below”. Grameen Bank's objective since its
establishment in 1983 has been to grant poor people
small loans on easy terms - so-called micro-credit -
and Yunus was the bank's founder.

10. Some Criticism of Grameen Bank in
Bangladesh
 There is a criticism against Grameen Bank by banking
experts that it reschedules the loans frequently so
that the borrowers are not categorized as 'loan
defaulters'. This is true. This is a part of the main
philosophy of Grameen Bank. Grameen Bank believes
in the dignity of people, particularly that of the poor.

11. How Grameen Bank Help The Poor:
 ganizing and training the poor in groups, Grameen
Bank has created both social and financial
preconditions that enable the poor to receive
loans based on group performance. Grameen Bank
also provides social development inputs to the poor so
as to make them individually and socially accountable.

12. How The Grameen Bank Different
from other Conventional Bank :
Conventinal Bank : Grameen Bank;
 1.Conventional bank is base
on collateral.
 2.Conventional bank look at
what has already been
acquired by a person.
 3.Conventional bank focus on
men.
 4.Conventional bank are
owned by the rich,genarally
men.
 1.Grameen bank system is
collatreal free.
 2.Grameen bank looks at the
protentioal that is waiting to
be unleashed in a person.
 3.Grameen bank give high
priority to the women.
 4.Grameen bank are not
owned by the rich.

13. Thank
You
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