GRAMEEN II – At the end of 2003 – A ‘grounded view’ of how Grameen’s new initiative is progressing in the villages

• by Stuart Rutherford, Md Maniruzzaman, S K Sinha and Acnabin
• Apr 1, 2004
• 1 min
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This paper in a nutshell outlines what Grameen II is and how it works. It discusses the similarities between old and new Grameen, in respect of the delivery environment, group responsibilities, branch opening procedures, loan loss provisioning and write-off, staff performance incentives, and computerisation. It comments on branch performance and concludes that Grameen II is […]

This paper in a nutshell outlines what Grameen II is and how it works. It discusses the similarities between old and new Grameen, in respect of the delivery environment, group responsibilities, branch opening procedures, loan loss provisioning and write-off, staff performance incentives, and computerisation. It comments on branch performance and concludes that Grameen II is good for Grameen. The paper also discusses some of the more contentious elements – especially loan rescheduling and the drive towards greater flexibility in loan terms. Finally it looks at the impact of Grammen II on the competition building up between MFIs in Bangladesh. It reviews the way that Grameen II is being marketed, and looks at evidence on whether Grameen II is good at attracting and retaining the very poor.