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Micro Finance
Micro Finance Page-03

Revolving Credit Program – Summary Group and Center Information as of July 2010


Particulars Urban Area Rural Area Total
No. of Centers 2,237 2,669 4,906
No. of Members 69,480 70,126 139,606
No. of Borrowers 49,108 48,463 97,571
Loan Outstanding 472,392,703 343,504,139 815,896,842
Savings Outstanding 221,401,137 138,315,782 359,716,919
Recovery Rate(%) 98.76%
Delinquency Rate(%) 7.53%
Note: All Currency in BDT

Detail Areawise Information (Download) PDF / XLS

DSK Micro Credit: Feb'10-July'10 - Loan Recovery Vs Delinquency


DSK Micro Credit : Feb'10-July'10 Member Vs Borrower
Security Fund

In order to cope in the event of death of the borrowers a fund has been created. This deducts one per cent of the borrowed amount, which is named as the security fund. This is a kind of insurance savings scheme. Borrowers are allowed to withdraw this money from the project when leaving the project permanently or after three years of continued membership in the group.




Outcomes

It is to be noted that many of the member borrowers have shown good entrepreneurial skills; they are now coming up with demands for loans for equipment that increase their productivity, helping to break the cycle of poverty.

On the other hand, the hardcore poor were not benefited much from this intervention. There is a need to devise new approaches to reach the hardcore poor. All these points stress the need for an evaluation of the performance of the ongoing credit program of the organisation.

     
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