and non-governmental organizations. One of the most well-known international examples is that of Grameen Bank, Bangladesh. The Grameen Bank came into existence in the 70s with its microcredit programme aimed at reducing the credit constraints faced by the poor. Grameen Bank’s methods of doing business range from working through individual clients and self-managed self-help groups. Both the Grameen Bank and the Bangladesh Rural Advancement Committee (BRAC) have gone beyond credit to offer non-financial