• Monthly Coordination Meeting

    Executive Director Md. Akramul Haque Biswas are discussing with all office staff in Monthly Coordination Meeting.

  • Sheep firm

    A sheep firm of Atmabiswas Beneficiary.

  • Potato field

    A Potato field which is cultivated by Atmabiswas Beneficiary.

  • Duck Cultivation

    Duck Cultivation of Sumon Ali Atmabiswas Beneficiaries .

  • Dhaka Office

    Atmabiswas Executive Director Md. Akramul Haque Biswas and Japani Guest in Dhaka Office.

  • Scholarship

    ATMABISWAS has started a new move of awarding education scholarships to the meritorious children of the ultra Beneficiaries of the organization from 2015.

Microcredit (UMC Urban)

 

The urban Beneficiaries    or are defined as the people who live within the boundaries of metropolitan areas. In general, urban microcredit borrowers are distinct from the rural borrowers in a number of ways. They are the landless squatters and they usually take loan for small trading. Vulnerable to eviction, they live in slums or makeshift shacks. The number of urban Beneficiaries or has been on the increase in Bangladesh in the last few years as part of forced migration due to limited employment opportunities in the rural agriculture sector and recurrent occurrence of several natural disasters.

Therefore, the extent of urban Beneficiaries poverty continues to enlarge, affecting urban life and development. ATMABISWAS felt initiated to extend its microfinance services for the Beneficiaries    or living in urban areas through Urban Microcredit (UMC) programme from the year 2006 by the support of Palli Karma -Sahayak Foundation(ATMABISWAS) An Apex Financial Institution of Bangladesh.

The urban Beneficiaries are generally considered as safe borrowers since urban economic environment provides dynamic and diversified Beneficiaries portfolio of economic  opportunities for the urban Beneficiaries. Besides, the extension of microfinance outreach is more feasible in urban areas because of the lower transaction cost related to rural microfinance. Woman participation in UMC is also higher in comparison to JAGORAN and since they have higher participation in the labour market, larger access to material resources, more freedom of movement, and also in household decision-making process.

Target members of UMC must satisfy a number of prerequisites such as they must be residents of urban or semi-urban areas with no asset and a monthly income of between BDT 20000-25000. They must be residents of a particular locality for at least three years. People who have business even of a team Beneficiaries   nature with a good record in handling the previous loans are also covered under UMC.

In FY 2014-15, ATMABISWAS’s disbursement to its Beneficiaries  under UMC has been BDT 60.82 million with an outstanding of BDT 31.05 million. while Beneficiaries disbursed BDT 15.79 million to their Beneficiaries    through UMC with an outstanding of BDT 6.89 million. As of FY 2014-15, the average loan under UMC to Beneficiaries    is BDT 14,757 which is 10.03% higher than JAGORAN and 80% members under the UMC programme have availed loans. ATMABISWAS’s disbursement to its Beneficiaries under UMC increased by 23.61% in the FY 2014-15 from that of the previous FY. Beneficiaries  disbursement to its borrowers grew by 42.18% and that also indicates the increasing capacity of the Beneficiaries to revolve loan among the Beneficiaries    or under UMC.

 

 

 

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The Bangladesh Scholarship Council

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Scholarship

Scholarships are basically allocated in the field of medicine, engineering, agriculture, science & technology, commerce and humanities at the university level throughout Bangladesh. No. Of Scholarship Recipient each year (Current): 300 Students

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The Bangladesh Scholarship Council

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The Bangladesh Scholarship Council

The Bangladesh Scholarship Council (BSC) was established with a vision to assist students with potentials pursue higher education. In a developing country like Bangladesh where educational opportunities are not sufficient, many students are not ab......

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Scholarships are basically allocated in the field of medicine, engineering, agriculture, science & technology, commerce and humanities at the university level throughout Bangladesh. No. Of Scholarship Recipient each year (Current): 300 Students

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The Bangladesh Scholarship Council

The Bangladesh Scholarship Council (BSC) was established with a vision to assist students with potentials pursue higher education. In a developing country like Bangladesh where educational opportunities are not sufficient, many students are not ab......

Read more...


Scholarship

Scholarships are basically allocated in the field of medicine, engineering, agriculture, science & technology, commerce and humanities at the university level throughout Bangladesh. No. Of Scholarship Recipient each year (Current): 300 Students

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The Bangladesh Scholarship Council

The Bangladesh Scholarship Council (BSC) was established with a vision to assist students with potentials pursue higher education. In a developing country like Bangladesh where educational opportunities are not sufficient, many students are not ab......

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Read more...


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Read more...


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Program Highlights - Atmabiswas

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Rural Microcredit (JAGORAN)   Rural microcredit (JAGORAN) is the primary loan programme of ATMABISWAS. The programme focuses... Read more
Microcredit (UMC Urban)   The urban Beneficiaries    or are defined as the people who live within the boundaries of... Read more
Ultra Poor / Buniad Programme   The ultra Poor Beneficiaries ,also known as the Beneficiaries Porest of the Beneficiaries, are... Read more
Micro Enterprise (ME) Programme   Initiated in 2006, the Micro Enterprise (ME) programme is one of the significant departures of... Read more
Agriculture Sector Microcredit (ASM) One of the major hindrances of the growth of agriculture sector and development of... Read more
Seasonal Loan (SL)   With its more than two decades of working in the field, ATMABISWAS has experienced... Read more
Special Fund   ATMABISWAS receives funding requests from several organizations or individuals for diverse... Read more
Success Story Of Ashma Begum   Many of the metropolitan elites are acquainted with the multiple images of Beneficiaries   ... Read more
Scholarships   ATMABISWAS has started a new move of awarding education scholarships to the meritorious... Read more
Training   Exposure   sure Visit (Home) ATMABISWAS also organises short overseas training &... Read more
Income and Food Security For Ultra Poor   The programme has initiated in January 2011 and it is continuing through the Support of PKSF... Read more
Social Mobilization to Combat Women and Child Trafficking Programme(CWCTP)   This is a programme which targets to raise public awareness on preventing human especially... Read more

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