Grameen Bank: The Grameen General Credit System

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Please note:

This case study was compiled from published sources, and is intended to be used as a basis for class discussion. It is not intended to illustrate either effective or ineffective handling of a management situation. Nor is it a primary information source.

Case Details:


Case Code : FINC045 For delivery in electronic format: Rs. 400;
For delivery through courier (within India): Rs. 400 + Rs. 25 for Shipping & Handling Charges


Microfinance/Rural Banking
Case Length : 14 Pages
Period : 1992-2006
Pub. Date : 2006
Teaching Note : Not Available
Organization : Grameen Bank
Industry : Banking
Countries : Bangladesh


The case explains Bangladesh based Grameen Bank's two microfinance models - Grameen Classic System and Grameen General System (GGS). For over two decades, Grameen Bank extended loans to poor people in Bangladesh under its Grameen Classic credit system. In 1998, the floods ravaged the country which led to many poor people default on their loan payments. This led to the need for a new, more flexible credit system. The result was Grameen General System which allowed the borrowers to remain as the member of the bank even when they were unable to pay their loan installments. The case gives an overview of the GGS and the success Grameen Bank achieved after implementing the new credit system.


Study and compare the Classic and General microfinance models of Grameen Bank

Examine the reasons that prompted the bank to introduce a new, more flexible credit system

Analyze the advantages and disadvantages of Grameen General microfinance model


  Page No.
Introduction 1
Background Note 2
The Grameen Classic System 4
Need for a New System 5
The Grameen II Credit System 6
Basic and Flexi-Loans 6
Savings Account 8
Other Products 9
Looking Ahead 9
Exhibits 10


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