Poverty alleviation is one of the important program of USHA BANGLADESH  aiming to reduce poverty among poor pro-poor, extreme poor through implementing need based loan by the targeted segments. The group members are provided credit supports for undertaking and operating income-generating activities. The main aim of the credit program is to help the poorest of the poor group members towards alleviate their acute poverty. The group members are provided necessary technical supports for their IGAs.

Credit supports are provided for short term only. Short term is for one year. The group members are normally or mortgage is claimed for the credit supports. Groups pressure is considered as the collateral or mortgage. Credit is channeled to the individual group members through their respective groups.

Claim 14.30% service chares on the credit yearly. The credit is recovered by weekly equal installment. The service charge has been received on Flat method.

Group member themselves selected their Income –generating activities. Field organizers   cooperate with group members in selecting the IGA. However in selection of   income -generating activities, the several pre set criteria has been maintained

During reporting period a total of Tk. 83,14,000 has been disbursed to 810 group members for undertaking and operating various IGAs and Total Disbursed of Taka 10,69,91,000, Members 11,677. Total Loan Outstanding Tk 70,61,732.

Tread-wise credit support

The group themselves, following the preset selection criteria primarily selects the Credit beneficiaries. This selection is finalized by cross-checking and verification by the organization. However, the group members are helped in selecting the right IGA.

Loan disbursement by year :

USHA BANGLADESH  have been providing more loan on IGAs among the beneficiaries comparison to the past year respectively. This is one of the indicator of USHA BANGLADESH  acceptance among the beneficiaries. Year wise loan disbursement scenario is given below: