Microcredit

Md. Mushfiqul Islam

Student ID: 2007-1-96-006
Objectives

1. Discover the Stakeholders.

2. Learn about who is getting what.
3. Find out who contributes what.
4. Get informed about how who is getting
what.
1. The Stakeholders
 Suppliers, NGOs,
 Prospective Empployees, Customers/Clients
 Government Regulatory Agencies
 Different Advocacy Groups
 Local, National & International Communities
 Competitors
2. Who is Getting What
 Income and Employment Opportunities to the Economically most
Disadvantaged Groups in the Society.
 Poor men or women owning less than 0.50 acre of cultivable land or
having total asset of the value of less than one acre of land in the
locality.
 Poor entrepreneurs, etc.
 Most of them (about 80-85%) are women.
 Amount of loan varies from Taka 2,000 to Taka 10,000.
 Short term loan repayable within 1 (one) year in weekly installment.

 MFIs get interest from those people, ranges around 15%.

3. Who Contributes What
 People are willing to work hard to improve
their living conditions.
 MFIs arranged Trainings if necessary
 Provision of Strict Group Exercise by the
Members & MFI’s Associates.
 Forced savings by members.
 Simultaneous intervention in other areas like
health, sanitation and community
development etc.
4. How Who is Getting What
 The MFIs
- reaches the poorest families (with MCPs).
- reaches and empowering women.
- build financially self-sufficient institutions
- ensures a positive measurable impact on
the lives of clients and their families.