Grameen Bank
Grameen Bank is a
bank which gives loans to the poor village people. The purpose of this bank is to
remove the poverty of the rural poor people since most of the people of this
country are poor. Professor Yunus is an economist. The poor condition of most of the people of this country hurts him. So he tries to find out the way
of removing poverty. He introduces a micro-credit system among a limited number
of poor people and he becomes successful in his plan. Then he set up a bank
and today that very bank is known as Grameen Bank. His programmes succeed and
thousands of people have been able to see better days in their life. However, the Grameen Bank provides credit to the poor, particularly to the poor rural
women. The bank has raised consciousness among the poor changed their poor
economic condition, developed their skills, and created employment opportunities.
The bank has a positive effect on socio-economic variables, including
children's schooling, children's nutrition, and family planning.
শব্দের অর্থ:
- Purpose (n) – উদ্দেশ্য;
- Remove (v) – দূর করা;
- Poverty (n) – দারিদ্র্য;
- Rural poor – দরিদ্রলোক;
- Economist (n) - অর্থনীতিবিদ;
- Poor condition - গরীব অবস্থা;
- Hurt (v) – ব্যথা দেয়া;
- Way of removing poverty - দারিদ্র দূর করার উপায়;
- Micro credit system - ক্ষুদ্র ঋণ ব্যবস্থা;
- Limited number of poor people - স্বল্প সংখ্যক দরিদ্র লোক;
- Succeed (v) - সফল হওয়া;
- Better days (n) - সুদিন;
- Provide (v) - প্রদান করা;
- Particularly (adv.) - বিশেষ করে;
- Economic condition- অর্থনৈতিক অবস্থা;
- Employment opportunities - কর্মসংস্থানের সুযোগ;
- Socio- economic variables - আর্থ-সামাজিক পরিবর্তন;
- Nutrition (n) - পুষ্টি;
- Family planning - পরিবার পরিকল্পনা।
Grameen Bank is an
unconventional banking system introduced by the noble laureate professor Dr.
Muhammad Yunus based on mutual trust accountability, participation, and
creativity. The need for collateral is discouraged here. It is now playing a
very significant role mainly in our rural agro-based economy by giving loans to
the poor villagers, the landless, and helpless people to change their economic
condition. In our existing traditional banking system the banks give loans to
the people who have collateral security. So the landless poor people cannot
avail themselves of the opportunity of taking a loan from any commercial bank.
Before the establishment of Grameen Bank, no bank for the poor did not have any collateral security. Grameen Bank is the only bank that
introduced loans/credit without any collateral security. As a result, the poor
can take loans from Grameen Bank and invest them in financial or productive
activities and earn their livelihood. The village poor women are the main beneficiaries
of Grameen Bank. The project first started to work in the village of Jobra in
1983 with an amount of TK 2000 as capital. Now Grameen Bank has branches all
over the country. The bank also gives training to the poor village women on
skill development. The concept of Grameen Bank has got international
recognition. Many countries including the USA have already introduced the
micro-credit concept modeled by Professor Yunus. However, Grameen Bank is committed to eradicating poverty from the county by changing
the economic condition of the poor villagers.
