Sush Grameen Bank

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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Sush Grameen Bank

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