4.

3 Findings:

Findings of the study are as follows-

 The Credit department now performs relatively better than previous as they have better
but precious information about this.
 Credit department is also smooth in processing the necessary investment documents and
in sanctioning credit/investment to the customers.
 It has a lot of clients and they are very faithful.
 Principal branch has much space for performing banking activities and for relaxation of
the customer.
 They have proper management services for the customer.
 Relationship among the employees is good in all cases.
 Have a great effort to make people self-sufficient and not go back in grip of property.
 Introducing and providing the poor people who have no assets, access to credit and
banking facilities.
 “The sixteen decision” implemented by Grameen Bank can be said as the master plan,
well set agenda for a poverty free Bangladesh.
 Creating a system of trust as an attempt to unite the poor.
 Women are now taking part in decision making process which has crucial impact on their
lives, this has only possible because of newly introduced system by Grameen Bank.
 Principal Branch has some active and well-organized human resources who maintain the
Daily activities more smoothly.
 Loan Amount is relatively narrow.
 Loan transaction process is very lengthy.
 The percentage of borrowers not repaying their loans on time has increased.
 Loan collection rates have decreased in the short and long term
 Delinquency has increased.
 Different Facilitation fees are higher for the customers.
 Employees are not highly trained to provide their service effectively.
 Less number of woman employees is working in administrative level.
References:

Websites-

 http:// www.grameenbank.com
 http://www.microfinance.com
 http://www.unitus.com
 http:// www.bangladesh-bank.com
 http://www.lcgbangladesh.org/GRAMEEN BANKs/reports/GRAMEEN BANK
_Report_clientversion.pdf
 http://www.microfinanceopportunities.org/docs/Financiaj Education for the
Poor%20April%20200.pdf
 http://www.mowca.gov.bd

Journals-

 World Bank, 2005. The economics and governance of Non Governmental Organizations
(GRAMEEN BANKs) in Bangladesh, Consultation Draft.
 BESR, 2008. Bangladesh economic survey report, 2007. Economic Division, Ministry of
Finance: Government of the People's Republic of Bangladesh.
 Hoque, M. and Y. Itohara, 2008. Participation and decision making role of rural women
in economic activities: A comparative study for members and non-members of the micro-
credit organizations in Bangladesh. J. Soc. Sci., 4: 229-236.
 Hoque, M. and Y. Itohara, 2008. Developing Gender awareness among the rural women
through micro-credit programmes: A case study from Bangladesh. Proceeding of the
Annual Conference of Regional Agricultural and Forestry Economics Association, Oct.
26-28, Kobe University, Japan, pp: United Nations Children's Fund (UNICEF), 1994.
The women's equality and empowerment framework.