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Poverty Alleviation Credit Programs
Programs |
Interest rate (%) | Partner agencies |
|---|
|
Zero Poverty Loan Scheme The bank has initiated a special group-based micro-credit program entitled "Zero-poverty Loan Scheme" for the extreme poverty stricken 23 upazilas in greater Rangpur district. Poor people in the area pledge labour at lower to landlords during lean season for borrowing money. The program is expected to restrain the tendency and eradicate poverty from the region by providing up to Tk 3000 collateral-free credit to day-laborers at only six percent interest rate. |
6 | RAKUB |
|
| Marginal & Small Farm System Crop Intensification Project (MSFSCIP) The project aims at increasing productivity in agriculture as well as off-farm activities, helping target group people achieve sustainable development, resist the increasing trend of losing land under cultivation and attain self-dependence. | 12 |
Originally IFAD/ GTZ/DAE/RAKUB Presently RAKUB alone |
||
| RAKUB Self-help Credit Program (RSCP) The project aims at self-employment generation among landless and marginal farmers through collateral-free credit distribution. The program is a propagation of MSFSCIP model at bank's own initiative. |
12 | RAKUB |
||
| Swanirvar The term Swanirvar means self-dependence.The bank has introduced the credit program under the auspices of Swanirvar Bangladesh, an NGO to improve socio-economic condition of the helpless rural poor by creating employment opportunities. |
11 | RAKUB/ Swanirvar Bangladesh |
||
| Semi-intensive black bengal goat rearing program Marginal, small & medium farmers, unemployed youth of Rajshahi division are the target group of the program. The program will make contribution to the economy through goat skin export & production of high quality meat for domestic & export markets. |
10 | RAKUB/GoB |
||
| United Nation Capital Development Fund (UNCDF) Under the program, credit facilities are extended to entrepreneurs of cottage industries for creating self- employment opportunities. The program aims at economic development and upliftment of the craftsmen
. |
12 | UNCDF BSCIC |
||
| RAKUB-NGO Linkage Program (RNLP) Under the program RAKUB provides fund to select NGOs for financing micro-credit among landless, marginal & small farmers within Rajshahi division. |
12 | RAKUB/ BRAC/ PROSIKA /RDRS/ GKF /BEES |
||
| Pilot Employment Generation Program (PEGP) This is a BSCIC (Bangladesh Small & Cottage Industries Corpn.) assisted program which aims at employment generation among rural poor women and women artisans in selected areas. Maximum credit limit under the program is TK. 6,000 per borrower. |
10, 12 | RAKUB/BSCIC |
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| Women Entrepreneurship Development program (WEDP) The BSCIC assisted program aims at promoting cottage industries and encouraging women entrepreneurship in villages and suburban areas. |
12 | RAKUB/ BSCIC |
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| Shasya Gudam Reen Prokalpo (Food grain godown credit program) RAKUB implementing since 1988 as support to the sharecroppers, marginal and small farmers having up to 5 acres of land. Small and marginal farmers receive loan against stored crops in godown immediately after harvest. The farmers sell out the produces when they get desired price for their produces and repay the loan. | 12 | SIDA/RAKUB |
| Programs |
Loan Disbursement |
Loan Recovery |
Rate of Recovery |
Outstanding |
|||
Number |
Amount |
Number |
Amount |
% |
Number | Amount | |
Swanirvar |
118603 |
8670.11 |
80507 |
7085.05 |
90 |
36780 |
1894.60 |
RAKUB Self-help Credit Program (RSCP) |
8740 |
5468.83 |
2783 |
4169.60 |
98 |
6802 |
1723.21 |
UNCDF Credit Program |
28678 |
1515.81 |
18461 |
734.00 |
94 |
10147 |
959.66 |
Women Entrepreneur-ship Development program (WEDP) |
4878 |
278.77 |
2964 |
185.01 |
91 |
1967 |
203.99 |
Shasya Gudam Reen Prokalpo (Food grain godown credit program) |
1967 |
570.46 |
1219 |
532.62 |
96 |
1985 |
124.69 |
Marginal & Small Farm System Crop Intensification Program (MSFSCIP) |
12928 |
2873.74 |
11653 |
2065.78 |
99 |
1196 |
1076.18 |
Pilot Employment Generation Program (PEGP) |
4048 |
124.35 |
3622 |
104.51 |
96 |
432 |
26.12 |
Physically Challenged Person |
753 |
122.53 |
98 |
51.32 |
89 |
654 |
75.88 |
Black Bengal goat rearing program |
118019 |
1257.22 |
4298 |
335.78 |
88 |
13560 |
1069.29 |
Nursery/ Herbal |
591 |
219.66 |
297 |
141.23 |
86 |
291 |
83.05 |
Zero Poverty Special Credit Program |
11143 |
435.41 |
335 |
68.41 |
47 |
10808 |
288.10 |
RFP |
0 |
0 |
0 |
0 |
0 |
274 |
34.78 |
Self Employment |
0 |
0 |
0 |
0 |
0 |
97 |
37.62 |
Youth Developement |
0 |
0 |
0 |
0 |
0 |
2 |
3.54 |
Village Mechanics |
0 |
0 |
0 |
0 |
0 |
1 |
.14 |
Guchcha Gram Program |
0 |
0 |
0 |
0 |
0 |
35 |
2.20 |
Small Enterprises Development Credit Project (SECP) |
3707 |
1108.61 |
998 |
482.92 |
94 |
2709 |
707.16 |
Others Program |
24447 |
334.47 |
1771 |
220.18 |
81 |
5581 |
450.12 |
TOTAL |
207518 |
22104.04 |
125125 |
15594.11 |
92 |
82401 |
7654.03 |
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