Microfinance

DISA’s microfinance programme has proved itself to be a blessing for many disadvantaged families through a record of success by promoting financial resilience and achieving other social objectives – reaching the excluded, empowering women and developing the capacity of small groups of people to be in charge of their own lives. It aims to empower women, alleviate children and adolescents' hidden hunger, and eliminate rural poverty.
DISA’s microfinance programme has a particular focus in serving women from disadvantaged communities by providing them financial support through credit delivery and encouraging them to generate savings. DISA covers 110 Upazilas in 19 districts of Bangladesh through its microfinance programme with a network of 6,057 Village Organizations (VOs) under 104 microfinance branches. There are 118,870 members and 83,457 borrowers as on February 2025, among them 79,201 are female borrowers.

Members’ Savings

Currently, there are three different types of savings plans offered by the DISA microfinance programme: General, Special, and Voluntary. For the past 30 years, it has successfully run both the General and the Special savings schemes. Members of the General saving plans are required to save at least 20 taka each week and have the option of depositing their Special savings too. Since these savings enable the members to cope with emergencies or unforeseen circumstances they are able to withdraw their Special savings at any given time. Additionally, DISA began its project for Voluntary savings.

Components of Microfinance Programme

DISA’s microfinance programme is built on a number of components that address the needs of the people. These components are:

• JAGORON (Rural and Urban Microcredit)
• AGROSOR (Micro Enterprise)
• BUNIAD (Ultra Poor)
• SUFOLON (Agriculture and Seasonal Loan)
• ILFF (Innovative Loan Fund Facility)
• Water Credit Adoption

The following MF data shows as of May 2025

#	Loan Product	No. of Members	No. of Borrowers	Loan O/S(M)	Savings(M)	Cumulative dis(M)
1	Jagoron	88,599	55,906	1638.95	1242.61	24,265.56
2	Agroshor	21,781	20,037	1458.88	475.40	17,836.32
3	Buniad	1955	1589	14.36	2.93	113.92
4	Sufolon	1170	1037	72.65	18.70	2291.47
5	ILFF	39	31	0.82	0.00	481.65
6	LRP	0	0	0	0	7.44
7	EFFRAP	0	0	0	0	1.43
8	IGA	0	0	0	0	0.05
9	WCAD	4431	4037	70.80	28.32	717.10
	Total	118,870	83457	3,798.79	1,880.08	46442.64