grameen bank
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leading the poor out of poverty towards an empowered and dignified life
OUTLINE
History
Micro-credit: Grameen Credit
Business Model Innovation
Product Design Improvement
Business Process Improvement
Where is it now?
HISTORY
1976 – the Grameen Bank Project
Low income
Low saving Low
investment
NEW CYCLE
GRAMEEN CREDIT
PTM-The Poor
Credit trust rating
Progressive attitude
Savings vs. Credit
Monitoring Financial standing
Solidarity group
HR capital investment
16-POINT DECISION
1. 4 principles – discipline, unity, courage and hard work
2. Prosperity to the family
3. Repair/construct own shelter
4. Plant vegetables
5. Plant many seedlings during planting season
6. Responsible parenthood
7. Self-support – child education
8. Clean environment
9. Pit latrines
10. Potable drinking water
11. No to dowry and child marriage
12. No to violence and abuse
13. Collective business undertakings
14. Helping one another
15. Restore discipline
16. Collective social activities
BUSINESS MODEL INNOVATION
Reversed conventional banking practice
Social collateral approach
Banking system based on mutual trust,
accountability, participation and creativity
Loan and life insurance and pension fund
Loan provisioning
Loans paid off at death
Flexi-loan
CREDIT DELIVERY SYSTEM
Exclusive focus on the poorest of the poor
Borrowers organised into small homogeneous groups
Special loan conditionalities suited for the poor
Simultaneous undertaking of social development agenda
Design and development of organization and management systems
Expansion of loan portfolio to meet the needs of the poor
BUSINESS PROCESS IMPROVEMENT
Custom-made credit service
Repayment scheme and exit options
Assistance programs
Capacity building
Computerization
FIVE-STARS OF ACHIEVEMENT
- 100% repayment record
- earns profit
- self-sufficient (more deposits than loans)
- 100% Grameen borrowers’ children in-school or completed primary school
- GB borrowers cross-over poverty line
10-POINT INDICATOR
1. Food
2. Clothing
3. Shelter
4. Drinking potable water
5. Sanitary latrine
6. Adequate healthcare
7. Basic education to children
8. Minimum weekly loan installment ≥ 200 Tk.
9. Other sources of income
10. Annual savings of Tk. 5,000
CURRENT STATUS
68% of GB borrowers have crossed the
poverty line
March 2011
8.36 million borrowers = 97% women
2,565 branches = 22,289 staff
servicing 81,379 villages = 97% villages
over Tk 622.26 B (US$10.52B) disbursed
88.74% repaid; 97.26% loan recovery rate
100% loans financed from GB deposits
GRAMEEN BANK-CREATED COMPANIES
Grameen Fund
Grameen Krishi Foundation
Grameen Motsho (Fisheries) Foundation
Grameen Kalyan (well-being)
Social Advancement Fund
GRAMEEN FAMILY OF ENTERPRISES
Grameen Trust
Grameen Communications
Grameen Shakti (Energy)
Grameen Telecom
Grameen Shikka (Education)
GRAMEEN FAMILY OF ENTERPRISES
Grameen Baybosa Bikash (Business Promotion
and Services)
Grameen Phone
Grameen Solutions
Grameen CyberNet Limited
Grameen Knitwear Limited
AWARDS AND RECOGNITION
1989 Aga Khan Award for Architecture
1993 King Baudouin International Development Prize
1994 Bangladesh Independence Day Award
1994 Tun Abdul Razak Award
1997 World Habitat Award
2000 Gandhi Peace Prize
2004 Petersberg Prize
2006 Nobel Peace Prize
LEARNINGS
Giving the poor alms rob them of their
dignity. Let them work for every penny and
you have given them life and light and have
them recover their dignity as human beings.
All we are, are poor. All we need, are
opportunities and trust, a new lifeline, that’s
what loving in the eyes and image of Christ is
all about.
pamisaupan
uling maulaga at paulaga ya ing tau
REFERENCES
Based on the articles, information, data and
images provided for in its website,
www.grameen-info.org.
Photos and images were sourced from
google and Youtube images,
http://news.bbc.co.uk/2/shared/spl/hi/pict
ure_gallery/05/south_asia_bangladesh_sur
vey/html/7.stm,
THANK YOU!
Atty. Vivian T. Dabu
Entrepreneurship
July 8, 2011
Ateneo-Regis, AGSB Clark
ian8dabu@yahoo.com
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