Microfinance Program Details
DSK has a vision to make Bangladesh a poverty free country through providing financial service to the poor and the poorest. Following this vision, it started its microfinance activity back in 1992. DSK is one of the twentieth MFI in Bangladesh (CDF directory). At present, microfinance activity is being implemented in urban areas such as Dhaka, Khulna and Chittagong cities and the rural areas are Gazipur, Netrokona, Kishoreganj, Narayanganj, Narshingdi, Sunamgonj, Mymensing, Jessore and Munshiganj districts.
Branches | Reached Borrowers | Reached Members | Reached Areas | Staff |
---|---|---|---|---|
155 | 230435 | 276919 | 35 Upazilas of 12 districts and 5 metropolis | 1345 staff including 777 field officers |
The objective of this program is “To improve the social, economic and living standards of the poor people and connect them to the mainstream of the country’s economy”.
Microfinance Products
DSK has developed need-based microfinance products to meet the demand of most vulnerable poor who require additional support to develop the skill for self-employment in order to come out of abject poverty. The products of DSK Micro Finance are as mentioned below:
- Buniad (microfinance for Extreme Poor; basic starting loan)
- Jagaran (microfinance for Marginal poor in urban and rural areas; advanced microenterprise)
- Agrasor (Financing Micro Enterprises)
- Sufalon (Financing Agriculture loans)
- SDL/WILL (Sanitation/ WASH Development Loan)
- ENRICH-IGA (Financing Income generating activities of ENRICH enlisted members)
- SAHOS (Financial support for the disaster victims)


An Overview of Loan Activities at a Glance (June 30, 2020 to June 30, 2021, Taka in Crore)
Sl | Indicator | 30 June 2020 | 30 June 2021 | Increase/ Decrease |
1 | District | 12 | 12 | – |
2 | No. of Branch | 147 | 155 | 8 |
3 | Total staff | 1279 | 1345 | 66 |
4 | Field officer | 757 | 777 | 20 |
5 | No. of Members | 2,64,566 | 2,76,919 | ↑12,353 |
6 | No. of Borrowers | 2,15,641 | 2,30,435 | ↑14,794 |
7 | Loan disburse (for the year) | 909.22 | 1047.32 | ↑ 165.10 |
8 | Loan recovery | 832.25 | 1028.97 | ↑ 196.72 |
9 | Loan outstanding | 627.99 | 663.62 | ↑ 35.63 |
10 | Savings Outstanding | 258.26 | 268.99 | ↑ 10.73 |
11 | Service charge realize | 105.90 | 135.77 | ↑ 29.87 |
12 | Surplus (for the year) | 10.75 | 28.13 | ↑ 17.38 |
13 | Equity | 163.01 | 187.87 | ↑24.86 |
14 | PKSF & Bank loan outstanding | 226.56 | 362.46 | ↑ 135.90 |
15 | PKSF Loan outstanding | 78.46 | 107.26 | ↑ 28.80 |
16 | Bank loan outstanding | 148.10 | 255.20 | ↑ 107.10 |
17 | Total Default loan | 33.89 | 81.25 | ↑ 47.37 |
18 | Default loan increase (for the year) | 6.63 | 57.06 | ↑ 50.43 |
19 | Write off (This year) | 4.39 | 9.69 | ↑ 5.30 |
20 | Write off (Cumulative) | 21.96 | 31.65 | ↑ 9.69 |
21 | LLP | 37.70 | 38.36 | ↑ 0.66 |
22 | Risk fund | 21.11 | 24.40 | ↑ 3.29 |
23 | Cumulative loan disburse | 6,338 | 7,413 | ↑ 1074.32 |
24 | Cumulative loan realize | 5705 | 6749 | ↑ 1027.97 |
25 | Cumulative Service charge realize | 728 | 863.93 | ↑ 135.77 |
26 | Total FDR | 59.57 | 91.95 | ↑ 32.38 |
27 | Field officer: Member | 1 : 349 | 1:365 | ↑ 07 |
28 | Field officer: Borrower | 1 : 285 | 1:297 | ↑ 12 |
29 | Savings: Loan outstanding | 41.12% | 40.57 | ↓ 0.55% |