Credit Programme

Economic programs have roots in a set of economic activities are straightforwardly involved in Microfinance Program anyways. As a key tool of poverty alleviation, SSS started on the Microfinance Program designed for the underprivileged families in the company of the feature of collateral free financial services to utilize internal and external assets and opportunity, which tries to minimize the financial miseries and scale up the income and living stander in 1991. The goal of the program is to include group-members in income generating activities, provide financial services, empower the women, and uproot poverty through increasing income and assets.

The program is extended over to 18,133 villages of 206 Upazillas under 35 districts financed by SSS, PKSF and Commercial Banks jointly.

To stay in income generating activities sustainably, capital availability is very vital. Supply of fund to the economic activities of the group-members regular-basis keeps them steady and lively in their venture, which, by degrees, augments the demand. SSS continuously disburses credits to the group-members in line with their need and capacity. Up to 30 June 2021, the cumulative disbursement of credit of the organization, took up the figure Tk.  27,120.50 crore to 6,00,100 people. Of them, realization stood at Tk. 27,080.32 crore, and outstanding of Tk. 2,483.10 crore. The group-members invested the credit amount in a variety of income generating activities. The high of the performance of credit recovery of the organization is good having The Cumulative Recovery Rate (CRR) and On Time Realization (OTR) rate is 93.33 and bear the information–the performance of microfinance program is very excellent.

 The credit products of the organization are casted into the nature and types designed from the consideration of socioeconomic conditions and feasibility of the target-people. The products are: Jagoron, Agrosar, Buniad, Sufolon, Shahos, Sanitation, ENRICH, SEP Credit, Special and Service Holder, Nabanna, and the others. Of which, Buniad (for ultra-poor), Jagoron (for moderate poor and lower class) and Agrosor (for middle class and micro-entrepreneurs) are principal credits. A member can receive a special credit along with a principal one in line with his/her capacity.

Innovation and Basic Economic Unit–Micro Enterprise Promotion

SSS constantly patronizes the new-ideas and creativities of the group-members in economic activities, especially: new product, methodology, market, input and raw material sources in their income generating activities to boost up micro enterprises, which is considered as basic economic unit in the developing countries akin to Bangladesh. The organization, since the beginning of the undertaking economic development program, has been nourishing innovative group-members through providing them with financial services, technical supports, training, market-linkage, and the like to promote micro enterprises, which gradually turn into small and medium enterprises, in where wage-employment opportunity is extended and the total process gives the birth of a vibrant contribution to the national economy. Up to the reporting margin, there are a total of 1,47,010 enterprises existed financed by SSS, of these, 95 percent enterprises belong to woman proprietor.

Capacity Building and Sustainability

To add capacity and sustainability in both of demand and supply sides is the solemn attention of the organization glorifies the staff members with efficiency, professionalism, potentiality and   dedication to deliver the quality services to the target peoples by way of suitable nourishment, which ameliorates the competencies in favor of proficient and effectual implementation, monitoring and evaluation of the programs, and royal society. In 2020-21, a total of 927 staff members were imputed professional training under the off-the-job and in-the-job training programs of SSS.


Jagoron, one of the major credit products of SSS, is introduced for the poor and middle-class people implemented in all branches of the organization to carry out income generating activities and self-employment. Under the product, in 2020-21 a total of Tk. 882.50 crore were disbursed with technical supports and imparting training on livelihoods, whereas recovery rate was 99.63 percent.

Agroshor (Micro Enterprise Credit)

Agroshor credit product, designed for the micro-entrepreneurs, has launched in SSS in 2002 owning the goal—to create wage-employments through micro enterprises development. As a most significant credit product of the organization, it is available everywhere in the working area. The eye-catching feature behind the initiation of the product is—because of collateral and personal guarantor requirement, the mainstream financial institutions do not provide loan or credit to the micro-entrepreneurs coming from the poor families. Then again, banks and other conventional financial organizations possess the restriction–they cannot supply the small loan.           SSS, as an innovative microfinance institution, always goes ahead to stand by the target people with indispensable and time-befitting financial inclusion.

Under the product, a couple of services, e.g., financial services, technical support, related training, market-linkages and so on make the entrepreneurs benefit to enlarge their venture in conjunction with specialism. Along with the other products, Agroshor Credit is activated in every small-group under the branches of the organization. The same breadth, there are some small-groups composed of only micro-entrepreneur members.

The overall services and supports of the organization upgrade the micro-entrepreneurs, in particular, their business, empowerment, social status, employment creation etcetera get enrichment and this process elevates self-sufficient and poverty-cut scenario, which openly and indirectly contributes to and beats up our national economy. As on 30 June 2021, Agroshor credit product renders inclusive services to 1,47,013 entrepreneurs, among whom, 99 percent are women entrepreneurs.

The enterprises under the product, keep the six lac families into earning systems predominately five lac female employees through wage-employments. In 2020-21, an amount of Tk. 1,612.49 crore disbursed under the component, where in Tk. 36.36 crore on agriculture, Tk. 14.75 crore on fishery, Tk. 465.46 crore on livestock, Tk. 135.35 crore on handicrafts and cottage, Tk. 625.50 crore on small and medium business, Tk. 149.61 crore on transport business, Tk. 3.26 crore on foods and restaurant business, Tk. 1.76 crore on information technology, and Tk. 180.46 crore on others (oversea employment, house rent, house building etc.).


Name of Trade Credit Disbursement (Tk.)
Agriculture (Crops Cultivation) 36.36
Livestock: 465.46 465.46
Fishery: 14.75 14.75
Small and  Medium Business: 625.50 625.50
Handicrafts and Cottage: 135.35 135.35
Transport Business: 149.61 149.61
Foods and Restaurant Business: 3.25 3.25
Information Technology: 1.75 1.75
Others: 180.46  (Oversea Employment, House Rent, House Building etc.) 180.46


Sufolon (Seasonal Agro-credit)

Sufolon, one of the weight-bearing secondary credit products of SSS, has been chalked out to support the target families involved in the agro-fisher-livestock activities as a subsidiary credit, which is putting into operation in working area by the services of 438 branch offices of the organization. Uniqueness of the product is a season-based credit, pay-back duration is three to six months and one-time realization system. Sufolon credit is invested on seasonal crops and vegetables cultivation, fish culture, beef fattening, livestock rearing , and the like, which gearing up the facilities—using supplement credit along with the principal one and one-time payment system uplifts the activities, income and progress of the group-members. In 2020-21, the organization disbursed Tk. 522.20 crore, whereas the cumulative disbursement stood at Tk. 3009.58 crore under the credit product.

Buniad (Ultra-poor Credit)

Buniad, one of the principal credit products of SSS, is set down for the target families lived under the poverty line (ultra-poor families) cherish up the goal: to mobilize the facilities for them to access to the financial services, has been extending implementation over the working area under the 233 branch offices of the organization. This segment of the people do not have mentionable assets or income generating activities are mainly from the destitute families, but under the product the organization blooms them up by means of the financial services, skill-training, capability-building and the others to run self-employment and gradually stir up          toward the potential income generating livelihoods. In 2020-21, this product disbursed Tk. 16.08 crore to families.

Sahos (Disaster Management Credit)

Sahos, one of the significant subsidiary credit products of the organization, is fabricated for the target families stricken by natural catastrophes akin to flood, heavy rainfall, drought, tornado, cyclones, and so forth to stand up their income generating activities by degrees, has been keeping application into whole working area of SSS reckoning on disasters happened. In 2020-21, an amount of Tk. 23.76 lac was disbursed to 101 families under the product, whereas cumulative disbursement took the figure of Tk. 102 crore.

Sanitation Credit (Tube-well and Latrine Loan)

To ensure the safe drinking water and sanitation for the target families, SSS has formulated a credit product—Sanitation Credit with a goal: health, hygiene and safety for all to attain sustainable development. Under the product, the organization delivers the families with financial and technical supports to install the secured tube-well and sanitary latrine is activated in allover working area of the organization. Up to June 30, 2021 the cumulative disbursement on Sanitation Credit was Tk. 3.97 crore, the same linking, in 2020-21 some of 160 families got credit of Tk. 17 lac on tube-well and latrine.