Agrosor (Micro enterprise loans)

The income poverty lending recognized today as one of the most effective means. Small loans to borrowers who’smedium of userelive their poverty and contribute to the creation of a resource, including the actions of their business / enterprise additional capital investment. Through this program, the member’s private business / projects, including performing sustainable economic independency institutional trust we strongly believe that it will be possible to achieve.PKSF and financial assistance from donor agencies self-2004 small enterprise credit program is being implemented since the grassroots.Under this program entrepreneurs bakery, small and cottage industries, loom workshop, tailoring, Mini Garment, stationary store, food in the hotel business, in timber, soil, cattle, poultry farm, food processing, performing a variety of clinics, etc. are operating a small business.

Achievement :

Nowadays small enterprise loan program is operating by 18 branch, which distributed by 257 Shomiti and its total member is 1041. Till june 2014 ADI disbursed 36.22 cror taka among 5584 members. Presently the loan status among 886 member 3.85 cror taka, general savings status is 1.23 cror taka. Cumulative loan collection rate 99.67%. In this program total loan cooperation from PKSF is 28% on Loan Status. And rest of the amount manages internaly. Right below target fixation for the year 2013-14 :

SL	Details	Goals	Achievement
1	Member	1,358	1,014
2	Savings Collection	57,12,077	56,12,077
3	Saving Status	160,17,567	122,59,680
4	Debtor Member	1,321	886
5	Loan Disbursed	720,17,000	716,10,000
6	Loan Status	375,59,000	385,30,253

In Fiscal year 2013-2014 loan disburse among 1,041 Entrepreneur’s, Agriculture- 199 member amount 72 lac 60 thousand taka, Proceeding 35 member amount 11 lac 90 thousand taka, buy/sell project 556 member, amount 2 cror 46 lac 16 thousand taka and service project 78 member amount disbursed 45 lac 37 thousand taka.

Implementation effect :

new local ventures, and direct and indirect employment opportunities has been created

Members to increase income and their standard of living

Members are to develop skills to successfully plan and implement their business venture

Members are encouraged to invest more capital and increase their business efficiency

Future Plan :

Geographical expansion of the action area

To create more employment opportunities locally

Small and medium-sized enterprises to increase investment in their business to take their business to a new level

Through the formation of organized groups, members are encouraged to make their own savings fund.

Beneficiaries are more confident about their self-development, Conscious about own right and increase their Competence and productivity.

As a result of proper utilization of such loans multiple small entrepreneurs have been created

Future plan :

Expansion of working area

Organize backward people

Increase awareness of member about livelihood development and employment