Policies & Documents
Policies & Operations Manuals
Rules, guidelines, savings product policies, and operational manuals of Prothik Agrajatra Foundation.
Savings
en
Contractual Savings Product Overview
A long-term savings product encouraging regular deposits to achieve planned financial goals (3, 5, or 10 years).
Services
en
Foreign Remittance Programme
Facilitates secure and efficient remittance services for migrant workers and their families in formal channels.
Savings
en
General Savings Account Overview
A flexible and secure savings product designed to encourage regular saving habits with easy deposit and withdrawal features.
Credit
en
Loan Products Policy
The operational framework for general microcredit, enterprise loans, agriculture loans, and emergency credit lines.
Credit
en
Loan Security & Risk Fund Policy
Outlines the Loan Security & Risk Fund (LSRF) established to protect members and their families from default due to distress.
Savings
en
Personal Investment Deposit (PID)
A fixed-term investment product designed to yield competitive annual interest rates for registered members.
Operations
en
Microfinance Operations Manual - Part 1: Background & Objectives
Introduction, historical background, purpose, scope, and institutional strategic goals of the microfinance program.
Operations
en
Comprehensive Policy & Operations Manual - Part 2
Covers vision, core values, governance frameworks, HR policies, internal audit controls, procurement, and data protection.
Operations
en
Microfinance Operations Manual - Part 3: Legal & MRA Compliance
Detailed compliance guide alignment under the Microcredit Regulatory Authority (MRA) rules, licensing, and reporting.
Operations
en
Microfinance Operations Manual - Part 4: Roles & Job Descriptions
Defines operational roles, branch organization charts, authority matrices, and document control systems.
Operations
en
Microfinance Operations Manual - Part 5: Client Protection & Ethics
Outlines code of conduct, client protection principles, complaint handling systems, and program reviews.
Savings
en
Savings Product Schedule
A consolidated schedule comparing features, eligibility, interest rates, and maturity details of all savings accounts.
Savings
en
Savings Products Policy
Principles, transaction limits, interest calculation methods, and rules for premature savings account closures.
Savings
en
Voluntary Savings Account Overview
A flexible savings product enabling members to save additional funds with full withdrawal convenience.
Credit
bn
Group Formation & Minimum Savings Policy
Bangla guide outlining rules for center formation, member enrollment, and weekly minimum savings requirements.
Credit
bn
Interest Rate Policy
Interest rates for different loan categories, declining balance calculations, late fees, and prepayment guidelines.