Micro Finance & Poverty Reduction in Bangladesh

Topics: Bangladesh, Microfinance, Grameen Bank Pages: 5 (1326 words) Published: December 10, 2012
University of Dhaka
Faculty of Business Studies
Department of Finance

Course No. : F-507

Course Title: Micro Finance and Micro Enterprise Development Course Teacher: M. A. Baqui Khalily Professor
Department of Finance
University of Dhaka

“Poverty Reduction in Bangladesh: Role of Government’s Social Protection Programs and Micro Credit of MDGs: A Review of Bangladesh Experience”

Prepared by:
Md. Shahjahan, Student ID No.18052
EMBA Student

Date of Submission: January 11, 2012
Letter of transmittal

January 11, 2012
M. A. Baqui Khalily
Professor & Course Teacher
Department of Finance
University of Dhaka

Dear Sir,
I am pleased to submit a copy of the assignment on the “Micro Credit in Poverty Reduction and Achievement of MDGs: A Review of Bangladesh Experience” for your kind consideration. I would like to say that this assignment was helpful for me to understand the role of micro credit in poverty reduction in Bangladesh. I am very much thankful to you for assigning me this opportunity.

I have studied this topic and enforced my best effort to prepare it. It is in the following pages.

If required, I am obliged to provide further information.
Sincerely yours,

Md. Shahjahan
EMBA Student
ID# 18052
Department of Finance
University of Dhaka


I express my thanks to our course teacher M. A. Baqui Khalily, Professor, Finance Department for assigning me a course work dealing with the “Micro Credit in Poverty Reduction and Achievement of MDGs: A Review of Bangladesh Experience” I also express my great gratitude for his help for the preparation of the course work. I also want to thank our friends who helped me a lot by sharing their thinking with me.

Table of contents

“Ratio Analysis of a Business Firm, Based on the Information of Balance Sheet and Income Statement” ________________________________________

2Ratio Analysis5
3Liquidity Ratios5
4Leverage/Solvency/Debt Ratios6
5Activity Ratios 7
6Profitability Ratios8
Appendix-1Balance Sheet ,Income Statements of the Firm for 2006 and 200710


Government’s Social Protection Programs and the development of micro-credit programs and micro-enterprise in Bangladesh has emerged as a major strategy for the alleviation of poverty and unemployment that continue to overcome the problems of the economic and social development in the country. Government and non governmental organizations (NGOs) have adopted several approaches and strategies to overcome these issues. Key contributors of poverty reduction have been identified as;

Strategy of the successive governments focusing on growth, human development and social safety nets. •NGO activities and broad-based micro credit operations.
Growth process led by an expanding and vibrant private sector.

Relying on peer pressure from borrower group members rather than on collateral for repayment, micro-credit operation in Bangladesh has been a sustained success story, efficiently recycling lending resources with increasing disbursements, high recovery and a low rate of late payment, making a significant contribution to micro-enterprises with income and employment generation, and private sector enterprise development.

The objective of the study is to examine the impact of micro-credit micro enterprises and provide an approachable analysis of the overall micro credit program in Bangladesh. The micro-credit programs have been developed with the aims of the provision of credit to the poor and the development of micro-enterprises through rural women, with the ultimate goal of the alleviation of poverty in the country. Methods used to gather information were a literature survey, examination of web...
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