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Grameen Bank is known for its system of solidarity lending. [10] The bank incorporates a set of values embodied in Bangladesh, by the Sixteen Decisions (updated to Eighteen Decisions in 2023). [29] At every branch of Grameen Bank, the borrowers recite these Decisions, and vow to follow them.
The Social Success Note is an outcome-based financing mechanism in which a commercial bank is incentivized to lend to social businesses by a donor, who provides a grant to the commercial bank representing market returns (in addition to the social business' loan repayments) when the social business meets predefined objectives. [24]
However they do provide some interesting and positive conclusions, for example, the ratio of operating expenses to total loan portfolio declined from 15.6% in 2003 to 12.7% in 2006, a trend likely to have been driven by the twin factors of competition and learning by doing. [1] [14]
Ask any investor to name key ratios and metrics for evaluating a bank, and you'll probably find net interest margin on his or her list. Net interest margin, or NIM, takes the money a bank earns in ...
The origins of microcredit in its current practical incarnation can be linked to several organizations founded in Bangladesh, especially the Grameen Bank. The Grameen Bank, which is generally considered the first modern microcredit institution, was founded in 1983 by Muhammad Yunus. [2] Yunus began the project in a small town called Jobra ...
A low profit margin indicates a low margin of safety: higher risk that a decline in sales will erase profits and result in a net loss, or a negative margin. Profit margin is an indicator of a company's pricing strategies and how well it controls costs. Differences in competitive strategy and product mix cause the profit margin to vary among ...
Grameen CyberNet Limited is an internet content, solution and service provider in Gulshan, Dhaka, Bangladesh founded in July 1996 by Dr. Muhammad Yunus and Golam Mohiuddin, an entrepreneur promoting Apple Inc. in Bangladesh, as a joint venture between Grameen Fund, the venture capital arm of Grameen Bank, and CITech Limited, Mohiuddin's enterprise.
Grameen Trust (GT), a non-profit and non-government organization established in 1989 uses microcredit as a tool for fighting poverty and follows the Grameen Bank approach for the purpose. It supports and promotes poverty focused microcredit programs all over the world under its Grameen Bank Replication Program (GBRP) through a number of ways ...