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Clientele criteria |
DSK’s policy is to only allow women to borrow as they are regarded to be more disadvantaged. To be permitted on the credit scheme, household income should be in the range of Tk. 2000/- to 2500/- per month and borrowers should have lived in the same slum for at least two years.
Targeted people are poor women who have a skill (e.g. textiles, cooking) that they are good at however they have no collateral to improve their operation. By providing a loan to such women, they will make more money and reduce their poverty. These women operate outside of the financial mainstream.
As part of the selection procedure prospective borrowers provide samples of their skill output so that DSK staff can assess the quality before going further with the agreement.
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Group Formation |
Interested women were asked to form groups of five like-minded women of similar economic status, age group and with mutual trust in each other. The only restriction on this formation is that no members can be relatives. |
