Micro finance

Details of Microfinance

Credit is the core programs of SANGRAM of which main activity is group formation, savings accumulations and providing credit to the beneficiaries those who are involved with different IGAs. SANGRAM has been working with this activity from 1989 forming groups with the association of socially deprived, back footed, distressed, illiterate men and women. The objective of the program is to improve socio-economic conditions, status of Income Generating Activities (IGAs) of the concerned peoples. The groups are involved in credit program that comprised of 25-30 members and male -female is in separate groups headed by two group leaders with the designation of President and Secretary. The groups are popularly termed as Samity.

Working Area

Branch District Upazila Union Village Members Beneficiaries
43 6 18 133 937 44618 245928

Manpower of Credit Program

Coordinator Area Manager Manager Supervisor Accountants Field Organizer Support staff Total
F M F M F M F M F M F M F M F M
01 10 0 07 01 35 0 0 2 16 38 118 02 18 44 204

Member’s Information

Sl. No Component Year of commencement

Years

2010 2011 2012 2013 2014 2015 2016
01 Rural Micro- credit 1985 26677 24156 19747 15598 9386 0 0
02 Urban Micro- credit 2003 3394 3116 2534 2145 1470 0 0
03 Small Entrepreneur 2004 2119 2455 2112 1741 1119 0 0
04 Ultra poor loan 2005 4532 7396 15219 18557 13280 0 0
05 Seasonal  loan 2005 1589 1063 897 391 402 0 0
06 Agriculture loan 2007 65 47 321 218 394 0 0
07 RESCUE 2008 644 436 40 36 32 0 761
08 IFRAP Loan 2008 0 0 0 0 0 0 9
09 IGA Loan 2012 0 0 371 757 650 821 985
10 Livelihood development 0 0 0 0 0 0 118
11 Assets creation loan 2013 0 0 0 900 872 562 536
12 SHAHOSH-2 0 0 0 0 0 0 423
13 Jagoron 0 0 0 0 4376 19720 19662
14 Agrashor 0 0 0 0 388 1645 1428
15 Buniad 0 0 0 0 13371 25320 17263
16 Shufolon 0 0 0 0 144 1672 1650
17 LRP Loan 0 0 0 0 0 0 962
18 SHAHOSH 0 0 0 0 0 0 821
Total 39020 38669 41241 40343 45884 49740 44618

Information of Savings (As of June 2016)

Component

Group formation

Members enrollment

Savings accumulations

Savings balance

Male Female Total Male Female Total Male Female Total
Jagoron 247 848 848 4425 15237 19662 290414942 12450597 35475009 47925606
Agrashor 95 22 22 1335 93 1428 72090022 10871702 721140 11592842
Buniad 2 1040 1040 4 17259 17263 69753571 164 21370079 21370243
Shufolon 61 72 72 958 692 1650 32447678 2324449 1525150 3849599
LRP Loan 14 19 19 118 644 762
SHAHOSH 20 23 23 192 629 821
RESCUE 20 23 23 434 327 761 1665417 1167 932 2099
IFRAP Loan 1 1 1 1 8 9 9277568
IGA Loan 10 38 38 102 883 985 0 680381 3502696 4183077
Livelihood development 3 3 3 20 98 118
Assets creation loan 27 26 26 264 272 536
SHAHOSH-2 0 42 42 0 423 423
 Total 500 2157 2157 7853 36565 44418 475649198 26328460 62595006 88923466

Uses of savings (As of June 2016)

Cumulative accumulation Interest provided to members Refunded to the members Present balance

Uses of savings

FDR Investment in credit Cash at Bank Total
500797617 27811713 416787577 111821753 3100000 418192805 11568000 432860805

General information of credit as of June 2016

Sl. No. Credit components Branch involved Credit disbursement Duration Grace Period No of Weeks Service Charge Outstanding Recovery rate
1 Jagoron 43 2337409000 1 Year 14 Days 46 13.20% 188363693 99%
2 Agrashor 29 946290000 1 Year 14 Days 46 13.20% 58271493 99%
3 Buniad 43 379608300 1 Year 14 Days 46 10% 48193959 99%
4 Shufolon 23 447632500 6 Month 5 Month One time 10% 44293089 99%
5 LRP Loan 19 24187200 1 Year 1 Month 46 4% 1318011 99%
6 SHAHOSH 23 40000000 3 Year 6 Month One time 0% 2928829 99%
7 RESCUE 23 201327000 3 Year 6 Month One time 4% 9156515 99%
8 IFRAP Loan 1 5000000 1 Year 1 Month 12 Month 4% 14657 99%
9 IGA Loan 3 52492000 1 Year 14 Days 46 13.20% 13946996 99%
10 Livelihood development 3 2236000 1 Year 1 Month 12 Month 4% 1568593 99%
11 Assets creation loan 40 23803934 2 Year 1 Month 24 Month 8% 4383801 99%
12 SHAHOSH-2 13 18848000 1 Year 1 Month 12 Month 4% 447468 99%
Total 43 4478833934 372887104

Year wise credit flow

Year wise Disbursement Flow

Sl. No.

 

Credit components Date of start

Years

2010 2011 2012 2013 2014 2015 2016
1 Jagoron 1985 215983000 77556000 49430000 104695000 65572000 80072000 305782152
2 Agrashor 2003 37542000 14776000 8450000 19487000 11448000 15480000 81008000
3 Buniad 2004 130491000 64892000 35080000 71050000 36655000 45055000 92385500
4 Shufolon 2005 14089000 12266000 12530000 40609000 30909000 55000000 72642000
5 LRP Loan 2005 61002000 26765000 24160000 28692000 19384000
6 SHAHOSH 2008 4695000 1110000
7 RESCUE 2008
8 IFRAP Loan 2012
9 IGA Loan 2011 12400000 5040000 20919000
10 Livelihood development 2011 1905000
11 Assets creation loan 2012 5000000 4558000 2911000 5680000 2540620
12 SHAHOSH-2 2012 7000000 7544000 6992000 5000000 1058000

Year wise Savings Flow

Sl. No.

 

Credit components Date of start

Years

2010 2011 2012 2013 2014 2015 2016
1 Jagoron 1985 31236520 36243077 37233075 11509374 13764442 28512004 47925606
2 Agrashor 2003 3957489 7324389 7526380 2242543 2489094 12461987 11592842
3 Buniad 2004 10389654 19855093 19905094 4144491 5952742 25230219 21370243
4 Shufolon 2005 2856324 2508751 2707758 6533207 8792241 11235443 3849599
5 LRP Loan 2005 4458699 1907463 1927460 2330173 636472 0 0
6 SHAHOSH 2007 69878 164290 166280 111000 113478 0 0
7 RESCUE 2008 1178346 1741405 2225400 16 5150 0 2099
8 IFRAP Loan 2012 0 0 1754676 2084583 2363344 0 0
9 IGA Loan 2014 0 0 0 0 11331179 6416839 4183077
10 Livelihood development 2014 0 0 0 0 4390662 0 0
11 Assets creation loan 2

014

0 0 0 0 8562807 0 0
12 SHAHOSH-2 2014 0 0 0 0 589500 0 0
Total 54146910 69744468 73446123 28955387 58991111 83856492 88923466

Year wise Borrower Flow

Sl. No.

 

Credit components Year of start

Years

2010 2011 2012 2013 2014 2015 2016
1 Jagoron 1985 19336 16963 14165 10548 7027 15720 15755
2 Agrashor 2003 2346 2084 1717 1407 1071 1230 1213
3 Buniad 2004 1836 2102 1665 1361 943 8230 7022
4 Shufolon 2005 3181 3386 4687 6791 4854 4543 1615
5 LRP Loan 2005 1276 902 823 357 390 750 762
6 SHAHOSH 2005 2325 2717 216 203 148 820 821
7 RESCUE 2007 4104 2618 1450 1222 935 810 761
8 IFRAP Loan 2007 4237 2675 2008 1538 1107 6 9
9 IGA Loan 2008 2550 2241 2123 1542 1136 1250 537
10 Livelihood development 2011 132 25 19 10 75 118
11 Assets creation loan 2012 2045 1455 948 950 536
12 SHAHOSH-2 2012 345 328 237 1150 423
Total 41191 35820 31269 26771 18806 35534 29572

Year wise loan outstanding

Sl. No.

 

Credit components

Year of start

Years

2010 2011 2012 2013 2014 2015 2016
1 Jagoron 1985 124085651 109758992 91823480 73095747 35813072 141314782 188363693
2 Agrashor 2003 27059730 22711302 19093520 15308115 8500583 53470024 58271493
3 Buniad 2004 90952991 92968984 69592500 53778142 28245119 50647757 48193959
4 Shufolon 2005 9433144 12555407 19524300 25837212 12293373 35085612 44293089
5 LRP Loan 2005 19466974 23632297 36588400 8499677 8258718 1350419 1318011
6 SHAHOSH 2005 4261430 7047774 1341457 2366970 1052217 2850606 2928829
7 RESCUE 2007 15716926 9576534 2283810 2068411 1608470 10000520 9156515
8 IFRAP Loan 2007 72504168 45588978 7215076 5696152 4132325 13520 14657
9 IGA Loan 2008 7589816 6959570 30644500 21180618 15050345 9092821 13946996
10 Livelihood development 2011 141412 45040 34477 22035 816936 1568593
11 Assets creation loan 2012 5205800 2660234 1079882 3985469 4383801
12 SHAHOSH-2 2012 6550316 3260165 2476921 1056842 447468
Total 371070830 330941250 289908199 213785920 118533060 309685308 372887104

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Key Information

Year of Inception : 1985

Founder : Chowdhury Mohammad Masum

Serving Country : Bangladesh

Number of Branches : 43

Present Donors : BCCRF, CBM/CDD, PKSF, DFID, Bangladesh Bank, IFAD, NGO Forum.

Contact

Head Office: Shahid Smriti Sarak, Barguna-8700, Bangladesh.

Liaison Office: Genetic West Wood, H # 284-285, R # 2, Adabor, Dhaka-1207.

+88 0448 62828, +88 01712972589

sangramngo@yahoo.com

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