Microfinance

The Depila Unnayan Snagstha leads this mission toward the elimination of poverty and creation of avenues for economic stability from disadvantaged and marginalized communities of society through its microfinance program. It facilitates microcredit loans with reasonable terms so that underprivileged people are able to get access to institutional financing for income-generating activities in an amicable atmosphere. This initiative empowers families economically by systematizing the repayment procedure through installment-based schedules for transparency and comfort. Unlike traditional banks, which ignore the rural and working-class populations and throw them into the traps of usurious money lenders, CDIP is the last hope. It operates 176 branches in 5,196 villages, offering financial and non-financial services, thereby narrowing the gap and facilitating access to loan and savings programs. With such efforts, CDIP is reshaping the financial panorama, and opening up to many micro-entrepreneurs and rural households opportunities for sustainable pathways out of poverty.

Our Loan program products:

Category Eligible Criteria Initial Maximum Loan SIZE Interest Rate Loan Term
 1. Jagoron Loan For household based enterprise development TK. 6,000 – TK. 75,000 24% interest on a decline basis. In 45 weekly or 12 monthly installments.
 2. Agroshor Loan Entrepreneurs capable of graduating from groups, as well as entrepreneurs in the community. TK. 76,000 – TK.10,00,000 24% interest on a decline basis. In 45 weekly or 12/18/24 monthly installments.
 3. Buniad Loan Poor and disadvantaged households. TK. 6,000 –   TK. 35,000 20% interest on a decline basis. In 45 weekly installments.
 4. SMAP Loan Small & marginal farmers and farming entrepreneurs.

 TK. 5,000 –

Tk. 2,00,000

19% interest on a decline basis. Six-month lump sum installments (One-time payable).
 5. Shufolon Loan Farmers, traders and small entrepreneurs Maximum TK. 50,000 24% interest on a decline basis. Six-month lump sum installments (One-time payable).
 6. Enrich loan Agriculture farmers, traders and micro entrepreneurs. Tk.6,000 – Tk.10,00,000 24% interest on a decline basis In 45 weekly or 12/18/24 monthly installments.
 7. Livelihood   Development loan. Members of CDIP Up to tk. 70,000 24% interest on a decline basis Weekly 45 to monthly 12 installments.
 8. Sanitation   Development loan  Members of CDIP Up to tk.15,000 18% interest on a decline basis Weekly 45 to monthly 12/18 installments.
 9. Livelihood  Restoration   loan. (LRL) Members of CDIP Up to tk.100,000 18% interest on a decline basis In weekly or Up to 24 monthly installments.
10. Revolving Refinance Scheme Loan Policy (RRSL) Members of CDIP Jagoron Up to tk. 75,000 and Agroshor Up to tk.1,000,000 9% interest on a decline basis In weekly or Up to 1 year and  monthly Up to 2 years nstallments.

Now, Depila Unnayan Sangstha has a wide variety of loan products, fine-tuned to suit the needs of various segments in Bangladeshian society.

Jagoron Loan: This product is targeted toward house-based enterprise development. The size of the loans changes from TK 6,000 to TK 75,000, payable within one year by 45 installments at 24% interest on a declining basis.

CDIP offers agroshor loan for those entrepreneurs, who are ready to graduate from group-based microfinance and support larger economic activities. The loan can be taken for activities ranging in value from TK. 76,000 to TK. 10,00,000, which shall be repaid within a year by 46 weekly or 12 monthly installments.

The Buniad Loan targets the ultra-poor with flexible microcredit from TK. 6,000 to TK. 35,000, repayable in 45 weekly installments, in an effort to help recipients rise from extreme poverty towards stability.

Agricultural sector-related roles played by CDIP include the SMAP and Shufolon Loans. The former runs from TK. 5,000 to TK. 2,00,000 to the small and marginal farmers not only for finance in the agricultural sector but also for agricultural training, which is repayable in lump sums over a period of six months. The latter is solely for agricultural activities, providing up to TK. 50,000 to help raise farm productivity through six-month chunk repayments.

Knowing the financial demands of the urban environment, Enrich Loan facilitates entrepreneurs and traders with loans from TK. 6,000 to TK. 10,00,000, which are conveniently repayable in 45 weekly or monthly installments, carrying only a 24% interest rate on a declining basis.

CDIP also works for livelihood development through innovative loans, such as the Social Commodity Loan. This provides fin-ancing to buy life-improving products which can be repaid in as low as 45 weekly or 12 monthly installments.

Moreover, CDIP membership participation in ensuring community welfare is seen in programs such as the Sanitation Development Loan, which finances the improvement or construction of sanitation facilities in rural areas, and livelihood restoration loans designed immediately post-COVID-19 to help the economy recover with low-interest loans repayable over two years.

These loans are supplemented by a strong savings program consisting of compulsory and voluntary member savings, term savings, and Fixed Deposit Receipts. Such programs help members to save money regularly and make the savings available to them whenever required, thus building financial security and resilience in villages and rural Bangladesh.