ardp logo(An Islamic Microfinance Model)


On the focus of socio-economic development of rural poor, a scheme named ‘Grameen Small Investment Scheme (GSIS)’ was running in the bank from the year 2001. After that, it has been reformed as ‘Al-Arafah Rural Development Program (ARDP)’ on 23rd September’20 as per decision of the Board of Directors in its 351st Meeting. Functioning on the basis of Group and Samity, this program helps on socio-economic development of farmers, labours, fishermen, micro-businessmen and small entrepreneurs. Another important objective of this program is to give priority to make economically self-dependent of rural women entrepreneur. To get investment under this program, collateral security is not required. Repayment system is weekly/monthly installment basis. Basically, this program is one kind of supervised investment system and skilled personnel are working in different branches to ensure proper as well as continuous supervision.


  • Specialty: Group and Samity based Investment Scheme
  • Collateral: Free
  • Other Security: Personal Guarantee, Group and Society Guarantee
  • Investment Parameter: Manufacturing, Service, Trade [Micro Level]
  • Mode of Investment: Bai-muajjal (ARDP) & HPSM (ARDP)
  • Minimum Investment: Tk. 30000.00
  • Maximum Investment: Tk.100,000.00
  • Number of Branches working for this scheme: 120 Branches out of 201
  • Maximum Duration of Repayment: 1/2 Year
  • Rate of Return: As stipulated by the Bank
  • Repayment System: Equal Weekly/Monthly Installment Basis
  • Other terms & Conditions: Specified by the Bank.

Performance of ARDP

Sl Performance of ARDP Number
1 No. of Branches under ARDP 120
2 No. of Agent Outlets under ARDP 105
3 No. of Samity 2,800
4 No. of Groups 11,500
5 No. of Members in the Program (existing) 58,000
6 % of Women members in the Program 80%

Financial Statement of ARDP

Sl Financial Statement of ARDP Amount
(Fig. in Crore Tk.)
1 Cumulative Disbursement 1112.79
2 Present outstanding 130.00
3 Percentage of Recovery 98%
4 Balance of Members’ Savings (MSD/ITD & Others) 170.00

Manpower Position

Sl Manpower Position Person
1 No. of Field Supervisor 200
2 No. of Senior Field Supervisor 33
3 No. of Assist. Field Officer 27
4 No. of Field Officer 49
4 Executive Officer 54