• 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.

Ultra Poor / Buniad Programme

 

The ultra Poor Beneficiaries ,also known as the Beneficiaries Porest of the Beneficiaries, are often left out of the conventional financial service system on the presumption that they are vulnerable to loan repayment. Even the conventional microfinance services have also been rigid for decades to include the ultra Beneficiaries. For the better understanding of this identifiably vulnerable group, ATMABISWAS launched a pilot project titled Financial Services for the Beneficiaries  porest (FSP) in 2002 that encouraged ATMABISWAS to mainstream the micro credit programme for ultra Beneficiaries. From the experience of other credit, it was found that the ultra Beneficiaries poor require higher flexibility in terms of repayment, savings, attendance to group meetings and grace period. Therefore, ATMABISWAS has revised its existing microfinance products to address the excluded ultra Beneficiaries poor and then launched Ultra Beneficiaries  Poor Programme (UPP) with the financial Assistant Support of the Palli Karma Sahayak Foundation.

People of lower socio-economic strata such as beggars, daily labourers, bonded labourers and domestic helps, floating sex workers, members of female-headed households, and disabled persons with no alternative source of income are the targeted people of UPP. These people usually get screened out because of their low ability to repay loan. Conversely, the ultra Beneficiaries voluntarily exclude themselves from microcredit for the same reason and also for not getting further burdened. The mandatory requirements like weekly meetings, repayment and savings also discourage the ultra Beneficiaries. In view of these concerns, ATMABISWAS introduced a flexible microfinance programme with lower service charge especially tailored to suit the needs of the ultra Beneficiaries  segment. In addition to financial support Beneficiaries,UPP provides non-financial services including skill development, health services that include water and sanitation. 

In FY 2014-15, ATMABISWAS disbursed a total of BDT 26.09 million and out standing 13.22 .On the other hand, Atmabiswas  disbursed a total amount same period, which is 12.27% higher than the previous year’s disbursement. The total number of UPP members is 0.003 million. Current average loan size under this programme is BDT 11326 that is 7.20% higher than that of the previous FY. This indicates the Beneficiaries    sitive development of ultra Beneficiaries   activity to utilize.

 

 

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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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