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Micro Credit: an Experience of Islami Bank Bangladesh Limited

M.A. Habib
Department of Agricultural Finance, Bangladesh Agricultural University, Mymensingh-2202, Bangladesh

M.S. Haque
Department of Agricultural Finance, Bangladesh Agricultural University, Mymensingh-2202, Bangladesh

M.R. Uddin Mian
Department of Agricultural Finance, Bangladesh Agricultural University, Mymensingh-2202, Bangladesh

M.A. Bashar
Department of Agricultural Finance, Bangladesh Agricultural University, Mymensingh-2202, Bangladesh

Abstract/ Executive Summary:

The study was undertaken to examine the effectiveness of ADS credit provided by the lslami Bank Bangladesh Limited through interviewing a few randomly selected programme beneficiaries located in Sadar and Fulbaria Upazila of Mymensingh district. Most of the beneficiaries were observed to have required loan money within reasonable time limit during the study period. Loan was found to have been productively used irrespective of loan holder categories. Loan repayment performance of the beneficiaries was observed to be satisfactory. Self-consciousness and hope of receiving future loan were observed to be the major contributing factors for good loan repayment behaviour of the beneficiaries. Small borrowers were good repayers followed by the medium and large borrowers.

Keywords: Micro credit, Adequacy, Utilization, Repayment

Location: Sadar and Fulbaria Upazila of Mymensingh district

Start Date: 15-03-2004

End Date: 20-12-2004

Program Area: Socio-economic and Policy

Non-commodity: Credit

Objectives:

To assess the socio-economic characteristics of the respondents in the study area,
To assess the loan receipt and adequacy of the RDS credit programme in the study area,
To investigate the utilization pattern of loan provided by the RDS programme in the study area and
To examine the loan repayment behaviour of the respondents in the study area.

Methodology:

A total of 79 borrower respondents under the RDS programme of IBBL was randomly selected from whom desired information have been sought through administering carefully designed and prepared survey schedules. To supplement the collected information, informal talk with group members of the RDS also provided additional data. Respondents were both females and males. After collecting information, the filled in schedules were scrutinized and checked to avoid inconsistency in data. The collected data were then edited, coded and finally tabulated according to the objectives set for the study. Tabular analysis was mainly done by using techniques of the average, percentages, etc.

Source of Information: Bangladesh J. Agril. Sci. 32(1): 37-44, January, 2005

Article Link (Online Journal):

Funding Source:

Total Budget (Tk.) :

Achievement/Findings:

On the basis of the findings, the following conclusions may be drawn: 1. The RDS loan programme of the IBBL could reach the target groups in the study villages. 2. The beneficiaries could receive RDS loan for quite diverse income generating activities even beyond agricultural activities; 3. Petty business was expectedly dominant in receiving major share of RDS loan in the study area. 4. Credit received was found more or less adequate (86 per cent) and respondents got it within time (only 7 days) during this study. 5. Most of the loan received has been productively used by the beneficiaries in the study villages. 6. Loan repayment performance was fairly satisfactory. 7. Self-consciousness and hope of receiving future loan from RDS contributed most to the timely loan repayment.

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