A thesis

On

Role of Micro-Finance Institutions

In
Social & Economic Development of
Bangladesh

Submitted to
Department of Finance
University of Dhaka

Supervised by
Sheikh Tanzila Deepty
Assistant Professor
Department of Finance
University of Dhaka

Submitted by
Md. Mostafa Kamal
ID: 16-686 (M.B.A); 16-058 (B.B.A)
Department of Finance
University of Dhaka

Date of submission: 30 November, 2015.

Letter of Transmittal

30 November, 2015
To
Mrs. Sheikh Tanzila Deepty
Assistant professor
Department of Finance
University Of Dhaka
Subject: Submission of a thesis report.
Dear Madam,
With profound reference towards the dignity of yours, I put forward my thesis report on Role of
Micro-Finance Institutions in Social & Economic Development of Bangladesh. I hereby
submit the report on this topic as a partial requirement of postgraduate degree in Department of
Finance, University of Dhaka. I will try my best to keep the genuineness and originality of my
research. Your further guidance will lead me to conduct the analyses required for the completion
of the whole report on my own. I would like to express my profound gratitude for your kind and
conscious guidance in preparing my research in the given time.
In preparing this report I tried my best to follow the guidelines provided to me by
academic supervisor. I have my sincere efforts to make it an informative and analytical study
while preparing this report. I sincerely hope this report will live up to your expectations.
Sincerely Yours
.
Md. Mostafa Kamal
ID: 16-686 (M.B.A); 16-058 (B.B.A)
Department of Finance
University of Dhaka

Letter of Endorsement
2

This is to certify that the thesis report on Role of Micro-Finance Institutions in Social &
Economic Development of Bangladesh is done by Md. Mostafa Kamal, ID: 16-686 (M.B.A);
16-058 (B.B.A), as a partial fulfillment of the requirement of Masters of Business Administration
(M.B.A) degree from the Department of Finance, University of Dhaka. I have gone through the
report and found it to be written by him.
This report has been prepared under my guidance and supervision. This report is a record of the
bonafide work carried out successfully.

Signature

..
Sheikh Tanzila Deepty
Assistant Professor
Department of Finance
University of Dhaka

Acknowledgement
3

The successful completion of this internship report is the consequence of the contribution of
number of people, particularly those who have provided the time and effort to share their
thoughts and propositions to improve the research. At the commencement, I would like to pay
my modest gratefulness to the Almighty Allah for giving me the ability to work hard under
pressure. This thesis report on Role of Micro-Finance Institutions in Social & Economic
Development of Bangladesh is prepared through continuous research for a period of about two
months. This extensive span of effort would not have been possible without the help of various
generous hands.
First of all I want to show my heart full convey to Department of Finance, University of Dhaka
to give me the opportunity to do the research on that ever demanding topic. I am grateful to Mrs.
Sheikh Tanzila Deepty, Assistant Professor, Department of Finance, for her supervision on this
research. She has given a lot of assistance in coordinating the whole report. Without her
perseverance and guidance this report would have been a pile of worthless paper.
I would also like to thank all those people who participated in the interview session of primary
data collection. I thank all of them for their valuable time and co-operation.

Executive Summary
4

Now-a-days, inclusive economic development cannot be imagined without microcredit.

Microfinance, also known as microcredit, has emerged as a movement in Bangladesh and in the
larger part of the world. There has been record growth of Microfinance organizations in this
country over the past two and a half decades.
This study aims at assessing how the social issues turn to social and economic development in
Bangladesh with the help of the Microfinance programs and institutions. A questionnaire and
interviews were used to collect data from the field regarding age, income, education, family etc
and used in the ways of regression analysis.
The preliminary results of the research show that the microfinance programs conducted by the
NGO-MFIs are successful and help the poor to resolve their social and economic issues to ensure
overall development.
All development programs should be made balance from a different social & economic
perspective. Besides, employment oriented training programs, literacy program to people,
effective network among the various MFIs groups, different (gender, education & employment
etc) balanced approach in programs and policies should also be introduced to the poor people in
order to boost up their economic product ability and achieving sustainable social and economic
development throughout the country.