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BANGLADESH BANK US AGENCY FOR INTERNATIONAL DEVELOPMENT
RURAL FINANCE EXPERIMENTAL PROJECT
CONTINUOUS SURVEY RESULTS
SEPT 1981 - FEB--1982
PUBLIC ADMINISTRATION SERVICE 8 F AHMED AND CO PROJECT OFFICE 128 NEW ESKATON ROAD DACCA BANGLADESH TEL 40007778
fRURAL FINANCE EXPERIMENTAL PROJECT PUBLIC ADMINISTRATION SERVICE S F AHMED amp CO McLEAN VIRGINIA U S A DACCA BANGLADESH
PROJECT OFFICES 128 NEW ESKATON ROAD DACCA TI-LEPHIONES 400U778 CABLES PASFA
REF B-25282 DATE 20-7-82
Mr Kamaluddin Ahmed Chief Officer Agricultural Credit Department Bangladesh Bank Dacca
Dear Mr amphmed
Sub Continuous survey results September 1981 - February 1)62
In compliance of function No 85 of the contract we enclose herewith the second of the three continuous survey reports This report covers all outlets during the peiiod from 1st September 1981 to 28th February 1982
The following outlets could not be cn-ered in time because of non cooperation of the outlet staffs Efforts are being made however to collect these data along with those of third continuous survey and will be reported upon as soon as they
come in
Babuganj - IRDP
Baluhar - BSBL
Interviews of a total of 2357 (1653) borrowers who obtained loans during the period from 1st September 1981 through 28th February 1982 and a total of 3821 (1747) who had an outstanding balance for likely recovery during the above period have been taken into account to determine the target group ratios for first Y3 (borrowing) and second Y3 (recovery) reimshybursement to the participating institutions The two ratios have been shown separately in the report
Contd P2
RURAL FINANCE EXPERIMENTAL PROJECT
-2-
Data contained in this report was collected and
analized by the SFAhned K Company Field Research
Staff and will be used in determiniiC disallowances
for lending tc and recovery fro t non-target group
with effect from 1 gtch 1982 At that time separate
disallowance rates iii be used for lendirig and for
recovery This report iiciudes data for the first Lime
for Bhurghata and for Kumira outlets of Janota Bwnk
If you have any question on the above survey please
do not hesitate to contact us
Yours sincerely
Wilmot Averill -Ahm~d PAS Representative Team Leader
rpose and objectivePu
The main purpose of this survey is to determine the extent and ~ 2
monroft~target Crbup lending and to look into the eli~ibility4
(fborrowers The ultimate objective is to meusure the reimburse
Vment recjuiired-f or each 6utlet 4L-4
The Continuous Survey as providiid for in the contract has three
Mrijdor purposes
a)-(aTo idniytepercentageidentifys of e to target shythe 7 credit CoingE ou grouip
(To conduct a program of Continuous Survey throughout the lifeP
of the contract as a basis of ajsmnfor compe nsabion suc surveys are envisaged during the-life of the contract
1(c) To conduct Continuous Survey with a maximum sample size of 20 an new e areas to (i) identify the po i
Sassescredit needs(iii) identif development
-t and (iv) gather inforiation related toshyaostraihtand
The Second and Third Continuous Surveys address the first and the seon othe above three objectives ol etidojciei
bin overed invarious othersurveys such as Baseline Borowesrs
amptviabilitytActivity Institutional S6cio-Anthropologicall suz-veys
iand ase studies 1 4
441
13eprpibsemn fmthi d t theitH s~ntebaiscftre
1444444LTr oupborrcwing an- recovery -l4- ~
The following surveys were conducted by the former consultants and targetnon-target ratios were made cumulative for determination of the said 13 + 13 reimbursement
September 1979 November 1979
January 1980 June 1980
Decenmber 1980
We were unable to determine either the basis or obtain a detailed oreakdown of such computation It was therefore not possible for u to use their methodology or data for this purpose
We weuld like to mention that the approach taken in the first phase of the project of aggregating various ratios may not be valid since both the universe and the applicable targetnon-target ratios of earlier surveys may have changed drastically after completion of loan repayments by the old borrowers Use of only one ratio for both the first 13 and the second 13 payment is also not proper not to speak of the ability of any auch methodology to take care of the time gap between two surveys
Any judgement as to tlhe accuracy validity and soundness of the analysis of the continuous survey data should take into account the above inherent problems of the system as indeed has been recognized in the past in Project Implementation Letter 15
Survey Design
Two sample universes one (mother universe) including borrowers who are likely to repay their loans between the period from 1st September 1981 and 28282 and the other (baby universe) including all fresh loans made durin- the above period have been considered to determine the targetnon-target ratios for second Y3 (recovery) and first y (borrowing) reimbursement to the participating institushytions respectively
Additional questions were asked in the questionnaire to cross
check some of the information obtained during the surveys besides
discreet cross checking with other influential and relaiable persons
toin the same locality The questionnaire forms has been appended
this report
Simple random sampling technique was used to draw the sample of
the survey In order to achieve 956 confidence interval of the
optimal sampling formula was used to determine theestimates an
sample size 72
n = I+ 72
N
Where N represents the population size and n represents the sample
size of the survey
This survey covered all the new and old outlets Samples were drawn
for interview using Fishers random sample table Adequate sample was
to the minimumdrawn for each universe at each outlet level subject
individual sample size of 15 which gave us a total sample size of
3821 for mother universe and 2357 for baby universe
The sample size for mother universe was approximately 1747 of the
1653each of the samplepopulation while that for baby universe was
size assuring approximately a confidence interval of 95
Results
For RFEP a target group borrower is defined as a rural dweller over
the age of 18 owning less than 2 acres of cultivable land and having
a gross annual cash income of less than Tk 6000- The continuous
well as thesurvey verified this status of the new loanees as
outstanding loanees
new loanees for theThe results of the survey show that 89 of all
period from September 1981 through February 1982 are in the target
in the previous survey 89 of the outstandinggroup as compared to 91
loanees from whom likely recovery could be made during the above it
period were found to belong to the target group For the sake of simplicifty the results were shown separately under the
followin hear
Ratios for Borrowing
The overall rsults of this survey hOve been set out in table
I nnd the inUividnl insntitution Atils hnve been shown in mlbien 2 throeah 0 A comNriO or the prpoortion of the
turret rd nor-tartet roup lentn-s for ec in [tut by
outlet with he previous survey for the yond Vay-f u Q3i1
hns been shown in the nbove TN21 05 hbIe1 sow the copashy
rion of isttutionaO results with those of nhe previous
per iod
Rat ion for recovrry
The overall reeovery ratio for this survey has been presented
in Table V hinh shows that the proportion of target group 7 onI r is I- in the aeir PT 792 for Aroni ant 801 for Utturn 01 r Anat nd uPli 96 for Rupali ned 77 for
Sonli 95 - W-B and the individual institution details are
shown in Tablus 13 throuh 21
Table - IResults of Verification of the Target Status of Borrowers to whom advances were made during
the period from Ist September 1981 to 28 February 1982 ___ot______________o_____________________________Borrowers
1f opereti oois 0_ 0 - oon Yor osamleo_a - oo f S a mn l e iz eB Target Froup Non target uroupo r w s
A -rani 9 0 oNoNo208128 288 1383 236 8194 52 1806 12 625 137i D 2192 129 9410513 8 5841246 227 1822 192 8458 35 15a2
118 220 1916 207 9409 13 59116 5164 812 1572 776 95-57 36 443
4 571ui7 931190 1629 75192 80651601 18183 95-31 9 4691935
10 2028 325 1603 256 78-77Sra 69 21235 201 63 3134 47 7460 16 2540All iancs 87 14265 2557 1653 2101 8914 256 1086
Loest 7C H tio 7460 Hit hest TG Ttio 957 Overall 27atio 8914Standard -evi ticn 772
Excluding Two curet namely 3abuganj TCCA (3nrisal)B3aluhar BSBL Court Chandpur Jessore
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Table - 5 Results of veri cat-on of zh t ar-et =rouc s jus on borrowers to m advances_ ere madedurin- tn-- rici rom_ 1-st 198 5e~t -er to 28- Yeru ry 1982
n 7 - - Ud IC - r 4-
e~ of----shy
lumber ouet oof ri77e size zorroers Previous survey cumulative2rTret rrour Lon-taret mroun COUD ors N o o
a 1 14 3 1 667 000 1000012 aneswar (lc jshahi) 21 15 7143 15 10000 0 0 7500 2500
21 Jh4igto (Jessore) 260 45 1731 42 9553 3 667 No loan was disburse during
this period78 Teb-nj 41 abna) 113 2C 1770 19 9500 1 500 10000 000 59 15 2542 11 73-53 4 2667 Function as not stabted dur
the neriod115 Ehomra -na) 68 15 2206 14 93-33 1 667 8900 1100
2 oe) 105 15 1500 15 10000 0 0 9000 1000 91 h hn C iriur) 212 32 15Cc 52 10000 0 0 10000 OCC
114 IFi ra t 15 2344 12 E000 5 2C00 No loan was disbursed during
the period90 Lca ra (- Io disbu-seent was d theaurn- above nentioned Tneriod 10000 000 77 - ia) 22 1500 35 10000 0 0 10000 000
(1) Sub ioi 114 220 1916 207 9409 13 591 94 6
Lowest - tio HOhes 1 o ICC9 Ovorall a 4-09
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
1641
1507
70
77
8333
10000
14
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9700
9000
rouD
300
100
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b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
P1Kiik--anA
D3b
252
565
LO
4
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48
10000
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000
1100
46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
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~~~~~~
~~~c
A
o
L
~
AA
AA
L
AA
AL
A A
AA
A
A
~
A
~
~ 1
A~
A~
g
L~
i~L
00
1A
-A
A~
j ~
~
A
A J
iA ~
Q
A
A
Q
A
L
A
~ ~
A
A~
AA
J
Ao
~
fl~
~
AC
D
~j
A
~j~co
AN
AA
~
~ ~
LN
~~A
~ A
A
~
A~
AC
)LL~
0)L
0
-f
0
jA
L
~
A
A~
P
A~
~A
L
P~i
~ ~
~ A
-~
~ -~~
o
CA
)
LA
L
d
j A
A~
1 i
AL~
AC
0
-0
LA
~~
~4
AA
AA
AjA
Aj
A
0
A
0
A
LL
A
4j)
AA
1I
0
A
LA
~ ~
~
~ ~
~ ~
0
~ ~
~C
AA
L$A
tt
A
0l~
x(D
A
t~P
A~
~ ~
~
~ ~
~A~
A~
~~
) C
A)A
0t~
i
L
AL
A
A
AA
AA
~L
~i7
C
C
~ A
~
AA
A
AL
A0
A
7A
L
Aj
A
L0
AL
amp
1A
A
f
ALLA
AA
A~
AA
ALA
ALA
AA
AJA
CA
A
A
A
A
C
L
L
P
~AA~
AAA
~ A
0
A
j t
lAC
AC
s)A
A
L-
A-A
AA
~A
JA
AIA
AA
L
A
A
AA
~LA
CA
L~
LA
LI
ZAA
A
A
A
LA
All
AI
AA
AA
A
L
A
~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
0 0
ItI
0 )Ct
0
(
TY
0
Al
--O
j
4~
C
lt-
Fi
t P
jI-
00~
0) Q
j d
) f
J
G)
P C
DO
H
ct
o (D
0)
(if 0
) if
-
4~
4
1ifl
ifif
0 0
V ct
0i~
i
ifif~
~~
~~
c
ifcI
0 0
fi
if~if
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if
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f
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4
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x
f
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fj if
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~ ~
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ct
i d
fi~
VA
ir
oi
iffi
f4
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4
f h
~ ff
A
T
~( ~0
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) J
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i
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f
9
f
if ~
f ~
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rljjj~
j~jj1
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0
~ ~
ampif5i
9 ~f
~~ifi
f 4 4i
f
Vl
4 if~
N~
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if
4 ifJ
DA
0 to
cf
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( 0
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00
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0
1
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p 0
flI
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n
~ ~L
ct0
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t
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ct
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I~C
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j
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~~
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C(
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~~
~~
~~
~~
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~~
~~
~~
~~
( C
U C
1
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II)
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IC
CC
CjI
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1
0
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AC
~~
~~~~
~~~~
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~ 3
i ri
-IC
C
4
C
AfC
O ~
4 C
V
I IJ
C
~
11I
oC
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CC
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Io
1gt
15
1
C
CC
C
4
~[4
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CC
1
aC
C
C5 0
C
C
L~
~
O
CC
C
I C
~
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I C
C
I 0
CIC
FC
i2
C
~C
CCC
~I ~
~~
I~
5C
CII
C
CC
C
~ ~
C
C
CI
F~
F
C
C
IC0
C
C
I C~
C
C C
~C
CC
SC
CC
Co
4
C-
~ C
JI 4
CIC
~
Q0
F
~~C
C
C
1C
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54
S15
4 C
C
0I
CC
5IC
4 ~
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II C
~IC
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Cgt
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OC
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C
CC
1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
D0
S~~
) ~1
)y
~ ~
Apf~
~ -5
0
2l
(7~
~~
~
-c
D)~
~
~
n
tdi
ci
ct
0 D
-(
D
~ C
4gt
fl
HI
0
G)
C
IOti
l -
E
L))
0
ro(D
Co
w
0m
~ ~
~
N
~
-~
N~
~ ~
~
N~
)
4
~ ~
-~
~ )-
P
jl
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0)
Qp
iP
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~~
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-o
H
44
C~
0 ~f
l~
4--
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-N
)~
WO
VQ
--
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o
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4
dG
) 0
-J
4
A-C
N
-JO
shy
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4
~ ~
44
r)
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)-4~
-(
D
- p
4
(DC
shy
4~
4
---U
t
4
4
J
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~ -
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-
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--
-
I-~
7
i
Co
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Ishy~
~
4
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~ ~f
$7
0
0P
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00
--)
shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
----
----
----
----
----
----
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---
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0 ct
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w
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~
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0
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cc P
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p-L
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2222
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PER
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cmt ~0
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f
w
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cc
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t F
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t w
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f-ct P
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t
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w
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p ~
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tj
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(I
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1-1
-
2I
0
f
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r
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p-o
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0 H
(Dn
In
0D(njN
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j I
00(
l
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0
In
C~O(
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1-3s
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I -
n $
0K
(D--
--
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C)
0~~I
I k
-21
-
--t
I
I
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
fRURAL FINANCE EXPERIMENTAL PROJECT PUBLIC ADMINISTRATION SERVICE S F AHMED amp CO McLEAN VIRGINIA U S A DACCA BANGLADESH
PROJECT OFFICES 128 NEW ESKATON ROAD DACCA TI-LEPHIONES 400U778 CABLES PASFA
REF B-25282 DATE 20-7-82
Mr Kamaluddin Ahmed Chief Officer Agricultural Credit Department Bangladesh Bank Dacca
Dear Mr amphmed
Sub Continuous survey results September 1981 - February 1)62
In compliance of function No 85 of the contract we enclose herewith the second of the three continuous survey reports This report covers all outlets during the peiiod from 1st September 1981 to 28th February 1982
The following outlets could not be cn-ered in time because of non cooperation of the outlet staffs Efforts are being made however to collect these data along with those of third continuous survey and will be reported upon as soon as they
come in
Babuganj - IRDP
Baluhar - BSBL
Interviews of a total of 2357 (1653) borrowers who obtained loans during the period from 1st September 1981 through 28th February 1982 and a total of 3821 (1747) who had an outstanding balance for likely recovery during the above period have been taken into account to determine the target group ratios for first Y3 (borrowing) and second Y3 (recovery) reimshybursement to the participating institutions The two ratios have been shown separately in the report
Contd P2
RURAL FINANCE EXPERIMENTAL PROJECT
-2-
Data contained in this report was collected and
analized by the SFAhned K Company Field Research
Staff and will be used in determiniiC disallowances
for lending tc and recovery fro t non-target group
with effect from 1 gtch 1982 At that time separate
disallowance rates iii be used for lendirig and for
recovery This report iiciudes data for the first Lime
for Bhurghata and for Kumira outlets of Janota Bwnk
If you have any question on the above survey please
do not hesitate to contact us
Yours sincerely
Wilmot Averill -Ahm~d PAS Representative Team Leader
rpose and objectivePu
The main purpose of this survey is to determine the extent and ~ 2
monroft~target Crbup lending and to look into the eli~ibility4
(fborrowers The ultimate objective is to meusure the reimburse
Vment recjuiired-f or each 6utlet 4L-4
The Continuous Survey as providiid for in the contract has three
Mrijdor purposes
a)-(aTo idniytepercentageidentifys of e to target shythe 7 credit CoingE ou grouip
(To conduct a program of Continuous Survey throughout the lifeP
of the contract as a basis of ajsmnfor compe nsabion suc surveys are envisaged during the-life of the contract
1(c) To conduct Continuous Survey with a maximum sample size of 20 an new e areas to (i) identify the po i
Sassescredit needs(iii) identif development
-t and (iv) gather inforiation related toshyaostraihtand
The Second and Third Continuous Surveys address the first and the seon othe above three objectives ol etidojciei
bin overed invarious othersurveys such as Baseline Borowesrs
amptviabilitytActivity Institutional S6cio-Anthropologicall suz-veys
iand ase studies 1 4
441
13eprpibsemn fmthi d t theitH s~ntebaiscftre
1444444LTr oupborrcwing an- recovery -l4- ~
The following surveys were conducted by the former consultants and targetnon-target ratios were made cumulative for determination of the said 13 + 13 reimbursement
September 1979 November 1979
January 1980 June 1980
Decenmber 1980
We were unable to determine either the basis or obtain a detailed oreakdown of such computation It was therefore not possible for u to use their methodology or data for this purpose
We weuld like to mention that the approach taken in the first phase of the project of aggregating various ratios may not be valid since both the universe and the applicable targetnon-target ratios of earlier surveys may have changed drastically after completion of loan repayments by the old borrowers Use of only one ratio for both the first 13 and the second 13 payment is also not proper not to speak of the ability of any auch methodology to take care of the time gap between two surveys
Any judgement as to tlhe accuracy validity and soundness of the analysis of the continuous survey data should take into account the above inherent problems of the system as indeed has been recognized in the past in Project Implementation Letter 15
Survey Design
Two sample universes one (mother universe) including borrowers who are likely to repay their loans between the period from 1st September 1981 and 28282 and the other (baby universe) including all fresh loans made durin- the above period have been considered to determine the targetnon-target ratios for second Y3 (recovery) and first y (borrowing) reimbursement to the participating institushytions respectively
Additional questions were asked in the questionnaire to cross
check some of the information obtained during the surveys besides
discreet cross checking with other influential and relaiable persons
toin the same locality The questionnaire forms has been appended
this report
Simple random sampling technique was used to draw the sample of
the survey In order to achieve 956 confidence interval of the
optimal sampling formula was used to determine theestimates an
sample size 72
n = I+ 72
N
Where N represents the population size and n represents the sample
size of the survey
This survey covered all the new and old outlets Samples were drawn
for interview using Fishers random sample table Adequate sample was
to the minimumdrawn for each universe at each outlet level subject
individual sample size of 15 which gave us a total sample size of
3821 for mother universe and 2357 for baby universe
The sample size for mother universe was approximately 1747 of the
1653each of the samplepopulation while that for baby universe was
size assuring approximately a confidence interval of 95
Results
For RFEP a target group borrower is defined as a rural dweller over
the age of 18 owning less than 2 acres of cultivable land and having
a gross annual cash income of less than Tk 6000- The continuous
well as thesurvey verified this status of the new loanees as
outstanding loanees
new loanees for theThe results of the survey show that 89 of all
period from September 1981 through February 1982 are in the target
in the previous survey 89 of the outstandinggroup as compared to 91
loanees from whom likely recovery could be made during the above it
period were found to belong to the target group For the sake of simplicifty the results were shown separately under the
followin hear
Ratios for Borrowing
The overall rsults of this survey hOve been set out in table
I nnd the inUividnl insntitution Atils hnve been shown in mlbien 2 throeah 0 A comNriO or the prpoortion of the
turret rd nor-tartet roup lentn-s for ec in [tut by
outlet with he previous survey for the yond Vay-f u Q3i1
hns been shown in the nbove TN21 05 hbIe1 sow the copashy
rion of isttutionaO results with those of nhe previous
per iod
Rat ion for recovrry
The overall reeovery ratio for this survey has been presented
in Table V hinh shows that the proportion of target group 7 onI r is I- in the aeir PT 792 for Aroni ant 801 for Utturn 01 r Anat nd uPli 96 for Rupali ned 77 for
Sonli 95 - W-B and the individual institution details are
shown in Tablus 13 throuh 21
Table - IResults of Verification of the Target Status of Borrowers to whom advances were made during
the period from Ist September 1981 to 28 February 1982 ___ot______________o_____________________________Borrowers
1f opereti oois 0_ 0 - oon Yor osamleo_a - oo f S a mn l e iz eB Target Froup Non target uroupo r w s
A -rani 9 0 oNoNo208128 288 1383 236 8194 52 1806 12 625 137i D 2192 129 9410513 8 5841246 227 1822 192 8458 35 15a2
118 220 1916 207 9409 13 59116 5164 812 1572 776 95-57 36 443
4 571ui7 931190 1629 75192 80651601 18183 95-31 9 4691935
10 2028 325 1603 256 78-77Sra 69 21235 201 63 3134 47 7460 16 2540All iancs 87 14265 2557 1653 2101 8914 256 1086
Loest 7C H tio 7460 Hit hest TG Ttio 957 Overall 27atio 8914Standard -evi ticn 772
Excluding Two curet namely 3abuganj TCCA (3nrisal)B3aluhar BSBL Court Chandpur Jessore
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Table - 5 Results of veri cat-on of zh t ar-et =rouc s jus on borrowers to m advances_ ere madedurin- tn-- rici rom_ 1-st 198 5e~t -er to 28- Yeru ry 1982
n 7 - - Ud IC - r 4-
e~ of----shy
lumber ouet oof ri77e size zorroers Previous survey cumulative2rTret rrour Lon-taret mroun COUD ors N o o
a 1 14 3 1 667 000 1000012 aneswar (lc jshahi) 21 15 7143 15 10000 0 0 7500 2500
21 Jh4igto (Jessore) 260 45 1731 42 9553 3 667 No loan was disburse during
this period78 Teb-nj 41 abna) 113 2C 1770 19 9500 1 500 10000 000 59 15 2542 11 73-53 4 2667 Function as not stabted dur
the neriod115 Ehomra -na) 68 15 2206 14 93-33 1 667 8900 1100
2 oe) 105 15 1500 15 10000 0 0 9000 1000 91 h hn C iriur) 212 32 15Cc 52 10000 0 0 10000 OCC
114 IFi ra t 15 2344 12 E000 5 2C00 No loan was disbursed during
the period90 Lca ra (- Io disbu-seent was d theaurn- above nentioned Tneriod 10000 000 77 - ia) 22 1500 35 10000 0 0 10000 000
(1) Sub ioi 114 220 1916 207 9409 13 591 94 6
Lowest - tio HOhes 1 o ICC9 Ovorall a 4-09
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
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1507
70
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10000
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b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
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46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
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i
L
AL
A
A
AA
AA
~L
~i7
C
C
~ A
~
AA
A
AL
A0
A
7A
L
Aj
A
L0
AL
amp
1A
A
f
ALLA
AA
A~
AA
ALA
ALA
AA
AJA
CA
A
A
A
A
C
L
L
P
~AA~
AAA
~ A
0
A
j t
lAC
AC
s)A
A
L-
A-A
AA
~A
JA
AIA
AA
L
A
A
AA
~LA
CA
L~
LA
LI
ZAA
A
A
A
LA
All
AI
AA
AA
A
L
A
~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
0 0
ItI
0 )Ct
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TY
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t P
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(if 0
) if
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11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
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S~~
) ~1
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~ ~
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n
tdi
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ct
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t
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Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
----
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I
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
RURAL FINANCE EXPERIMENTAL PROJECT
-2-
Data contained in this report was collected and
analized by the SFAhned K Company Field Research
Staff and will be used in determiniiC disallowances
for lending tc and recovery fro t non-target group
with effect from 1 gtch 1982 At that time separate
disallowance rates iii be used for lendirig and for
recovery This report iiciudes data for the first Lime
for Bhurghata and for Kumira outlets of Janota Bwnk
If you have any question on the above survey please
do not hesitate to contact us
Yours sincerely
Wilmot Averill -Ahm~d PAS Representative Team Leader
rpose and objectivePu
The main purpose of this survey is to determine the extent and ~ 2
monroft~target Crbup lending and to look into the eli~ibility4
(fborrowers The ultimate objective is to meusure the reimburse
Vment recjuiired-f or each 6utlet 4L-4
The Continuous Survey as providiid for in the contract has three
Mrijdor purposes
a)-(aTo idniytepercentageidentifys of e to target shythe 7 credit CoingE ou grouip
(To conduct a program of Continuous Survey throughout the lifeP
of the contract as a basis of ajsmnfor compe nsabion suc surveys are envisaged during the-life of the contract
1(c) To conduct Continuous Survey with a maximum sample size of 20 an new e areas to (i) identify the po i
Sassescredit needs(iii) identif development
-t and (iv) gather inforiation related toshyaostraihtand
The Second and Third Continuous Surveys address the first and the seon othe above three objectives ol etidojciei
bin overed invarious othersurveys such as Baseline Borowesrs
amptviabilitytActivity Institutional S6cio-Anthropologicall suz-veys
iand ase studies 1 4
441
13eprpibsemn fmthi d t theitH s~ntebaiscftre
1444444LTr oupborrcwing an- recovery -l4- ~
The following surveys were conducted by the former consultants and targetnon-target ratios were made cumulative for determination of the said 13 + 13 reimbursement
September 1979 November 1979
January 1980 June 1980
Decenmber 1980
We were unable to determine either the basis or obtain a detailed oreakdown of such computation It was therefore not possible for u to use their methodology or data for this purpose
We weuld like to mention that the approach taken in the first phase of the project of aggregating various ratios may not be valid since both the universe and the applicable targetnon-target ratios of earlier surveys may have changed drastically after completion of loan repayments by the old borrowers Use of only one ratio for both the first 13 and the second 13 payment is also not proper not to speak of the ability of any auch methodology to take care of the time gap between two surveys
Any judgement as to tlhe accuracy validity and soundness of the analysis of the continuous survey data should take into account the above inherent problems of the system as indeed has been recognized in the past in Project Implementation Letter 15
Survey Design
Two sample universes one (mother universe) including borrowers who are likely to repay their loans between the period from 1st September 1981 and 28282 and the other (baby universe) including all fresh loans made durin- the above period have been considered to determine the targetnon-target ratios for second Y3 (recovery) and first y (borrowing) reimbursement to the participating institushytions respectively
Additional questions were asked in the questionnaire to cross
check some of the information obtained during the surveys besides
discreet cross checking with other influential and relaiable persons
toin the same locality The questionnaire forms has been appended
this report
Simple random sampling technique was used to draw the sample of
the survey In order to achieve 956 confidence interval of the
optimal sampling formula was used to determine theestimates an
sample size 72
n = I+ 72
N
Where N represents the population size and n represents the sample
size of the survey
This survey covered all the new and old outlets Samples were drawn
for interview using Fishers random sample table Adequate sample was
to the minimumdrawn for each universe at each outlet level subject
individual sample size of 15 which gave us a total sample size of
3821 for mother universe and 2357 for baby universe
The sample size for mother universe was approximately 1747 of the
1653each of the samplepopulation while that for baby universe was
size assuring approximately a confidence interval of 95
Results
For RFEP a target group borrower is defined as a rural dweller over
the age of 18 owning less than 2 acres of cultivable land and having
a gross annual cash income of less than Tk 6000- The continuous
well as thesurvey verified this status of the new loanees as
outstanding loanees
new loanees for theThe results of the survey show that 89 of all
period from September 1981 through February 1982 are in the target
in the previous survey 89 of the outstandinggroup as compared to 91
loanees from whom likely recovery could be made during the above it
period were found to belong to the target group For the sake of simplicifty the results were shown separately under the
followin hear
Ratios for Borrowing
The overall rsults of this survey hOve been set out in table
I nnd the inUividnl insntitution Atils hnve been shown in mlbien 2 throeah 0 A comNriO or the prpoortion of the
turret rd nor-tartet roup lentn-s for ec in [tut by
outlet with he previous survey for the yond Vay-f u Q3i1
hns been shown in the nbove TN21 05 hbIe1 sow the copashy
rion of isttutionaO results with those of nhe previous
per iod
Rat ion for recovrry
The overall reeovery ratio for this survey has been presented
in Table V hinh shows that the proportion of target group 7 onI r is I- in the aeir PT 792 for Aroni ant 801 for Utturn 01 r Anat nd uPli 96 for Rupali ned 77 for
Sonli 95 - W-B and the individual institution details are
shown in Tablus 13 throuh 21
Table - IResults of Verification of the Target Status of Borrowers to whom advances were made during
the period from Ist September 1981 to 28 February 1982 ___ot______________o_____________________________Borrowers
1f opereti oois 0_ 0 - oon Yor osamleo_a - oo f S a mn l e iz eB Target Froup Non target uroupo r w s
A -rani 9 0 oNoNo208128 288 1383 236 8194 52 1806 12 625 137i D 2192 129 9410513 8 5841246 227 1822 192 8458 35 15a2
118 220 1916 207 9409 13 59116 5164 812 1572 776 95-57 36 443
4 571ui7 931190 1629 75192 80651601 18183 95-31 9 4691935
10 2028 325 1603 256 78-77Sra 69 21235 201 63 3134 47 7460 16 2540All iancs 87 14265 2557 1653 2101 8914 256 1086
Loest 7C H tio 7460 Hit hest TG Ttio 957 Overall 27atio 8914Standard -evi ticn 772
Excluding Two curet namely 3abuganj TCCA (3nrisal)B3aluhar BSBL Court Chandpur Jessore
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Table - 5 Results of veri cat-on of zh t ar-et =rouc s jus on borrowers to m advances_ ere madedurin- tn-- rici rom_ 1-st 198 5e~t -er to 28- Yeru ry 1982
n 7 - - Ud IC - r 4-
e~ of----shy
lumber ouet oof ri77e size zorroers Previous survey cumulative2rTret rrour Lon-taret mroun COUD ors N o o
a 1 14 3 1 667 000 1000012 aneswar (lc jshahi) 21 15 7143 15 10000 0 0 7500 2500
21 Jh4igto (Jessore) 260 45 1731 42 9553 3 667 No loan was disburse during
this period78 Teb-nj 41 abna) 113 2C 1770 19 9500 1 500 10000 000 59 15 2542 11 73-53 4 2667 Function as not stabted dur
the neriod115 Ehomra -na) 68 15 2206 14 93-33 1 667 8900 1100
2 oe) 105 15 1500 15 10000 0 0 9000 1000 91 h hn C iriur) 212 32 15Cc 52 10000 0 0 10000 OCC
114 IFi ra t 15 2344 12 E000 5 2C00 No loan was disbursed during
the period90 Lca ra (- Io disbu-seent was d theaurn- above nentioned Tneriod 10000 000 77 - ia) 22 1500 35 10000 0 0 10000 000
(1) Sub ioi 114 220 1916 207 9409 13 591 94 6
Lowest - tio HOhes 1 o ICC9 Ovorall a 4-09
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
1641
1507
70
77
8333
10000
14
0
1667
()
9700
9000
rouD
300
100
()
b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
P1Kiik--anA
D3b
252
565
LO
4
1724
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40
48
10000
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0
0
0
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8900
000
1100
46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
ct
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Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
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Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
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(1 -
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Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
rpose and objectivePu
The main purpose of this survey is to determine the extent and ~ 2
monroft~target Crbup lending and to look into the eli~ibility4
(fborrowers The ultimate objective is to meusure the reimburse
Vment recjuiired-f or each 6utlet 4L-4
The Continuous Survey as providiid for in the contract has three
Mrijdor purposes
a)-(aTo idniytepercentageidentifys of e to target shythe 7 credit CoingE ou grouip
(To conduct a program of Continuous Survey throughout the lifeP
of the contract as a basis of ajsmnfor compe nsabion suc surveys are envisaged during the-life of the contract
1(c) To conduct Continuous Survey with a maximum sample size of 20 an new e areas to (i) identify the po i
Sassescredit needs(iii) identif development
-t and (iv) gather inforiation related toshyaostraihtand
The Second and Third Continuous Surveys address the first and the seon othe above three objectives ol etidojciei
bin overed invarious othersurveys such as Baseline Borowesrs
amptviabilitytActivity Institutional S6cio-Anthropologicall suz-veys
iand ase studies 1 4
441
13eprpibsemn fmthi d t theitH s~ntebaiscftre
1444444LTr oupborrcwing an- recovery -l4- ~
The following surveys were conducted by the former consultants and targetnon-target ratios were made cumulative for determination of the said 13 + 13 reimbursement
September 1979 November 1979
January 1980 June 1980
Decenmber 1980
We were unable to determine either the basis or obtain a detailed oreakdown of such computation It was therefore not possible for u to use their methodology or data for this purpose
We weuld like to mention that the approach taken in the first phase of the project of aggregating various ratios may not be valid since both the universe and the applicable targetnon-target ratios of earlier surveys may have changed drastically after completion of loan repayments by the old borrowers Use of only one ratio for both the first 13 and the second 13 payment is also not proper not to speak of the ability of any auch methodology to take care of the time gap between two surveys
Any judgement as to tlhe accuracy validity and soundness of the analysis of the continuous survey data should take into account the above inherent problems of the system as indeed has been recognized in the past in Project Implementation Letter 15
Survey Design
Two sample universes one (mother universe) including borrowers who are likely to repay their loans between the period from 1st September 1981 and 28282 and the other (baby universe) including all fresh loans made durin- the above period have been considered to determine the targetnon-target ratios for second Y3 (recovery) and first y (borrowing) reimbursement to the participating institushytions respectively
Additional questions were asked in the questionnaire to cross
check some of the information obtained during the surveys besides
discreet cross checking with other influential and relaiable persons
toin the same locality The questionnaire forms has been appended
this report
Simple random sampling technique was used to draw the sample of
the survey In order to achieve 956 confidence interval of the
optimal sampling formula was used to determine theestimates an
sample size 72
n = I+ 72
N
Where N represents the population size and n represents the sample
size of the survey
This survey covered all the new and old outlets Samples were drawn
for interview using Fishers random sample table Adequate sample was
to the minimumdrawn for each universe at each outlet level subject
individual sample size of 15 which gave us a total sample size of
3821 for mother universe and 2357 for baby universe
The sample size for mother universe was approximately 1747 of the
1653each of the samplepopulation while that for baby universe was
size assuring approximately a confidence interval of 95
Results
For RFEP a target group borrower is defined as a rural dweller over
the age of 18 owning less than 2 acres of cultivable land and having
a gross annual cash income of less than Tk 6000- The continuous
well as thesurvey verified this status of the new loanees as
outstanding loanees
new loanees for theThe results of the survey show that 89 of all
period from September 1981 through February 1982 are in the target
in the previous survey 89 of the outstandinggroup as compared to 91
loanees from whom likely recovery could be made during the above it
period were found to belong to the target group For the sake of simplicifty the results were shown separately under the
followin hear
Ratios for Borrowing
The overall rsults of this survey hOve been set out in table
I nnd the inUividnl insntitution Atils hnve been shown in mlbien 2 throeah 0 A comNriO or the prpoortion of the
turret rd nor-tartet roup lentn-s for ec in [tut by
outlet with he previous survey for the yond Vay-f u Q3i1
hns been shown in the nbove TN21 05 hbIe1 sow the copashy
rion of isttutionaO results with those of nhe previous
per iod
Rat ion for recovrry
The overall reeovery ratio for this survey has been presented
in Table V hinh shows that the proportion of target group 7 onI r is I- in the aeir PT 792 for Aroni ant 801 for Utturn 01 r Anat nd uPli 96 for Rupali ned 77 for
Sonli 95 - W-B and the individual institution details are
shown in Tablus 13 throuh 21
Table - IResults of Verification of the Target Status of Borrowers to whom advances were made during
the period from Ist September 1981 to 28 February 1982 ___ot______________o_____________________________Borrowers
1f opereti oois 0_ 0 - oon Yor osamleo_a - oo f S a mn l e iz eB Target Froup Non target uroupo r w s
A -rani 9 0 oNoNo208128 288 1383 236 8194 52 1806 12 625 137i D 2192 129 9410513 8 5841246 227 1822 192 8458 35 15a2
118 220 1916 207 9409 13 59116 5164 812 1572 776 95-57 36 443
4 571ui7 931190 1629 75192 80651601 18183 95-31 9 4691935
10 2028 325 1603 256 78-77Sra 69 21235 201 63 3134 47 7460 16 2540All iancs 87 14265 2557 1653 2101 8914 256 1086
Loest 7C H tio 7460 Hit hest TG Ttio 957 Overall 27atio 8914Standard -evi ticn 772
Excluding Two curet namely 3abuganj TCCA (3nrisal)B3aluhar BSBL Court Chandpur Jessore
~~
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Table - 5 Results of veri cat-on of zh t ar-et =rouc s jus on borrowers to m advances_ ere madedurin- tn-- rici rom_ 1-st 198 5e~t -er to 28- Yeru ry 1982
n 7 - - Ud IC - r 4-
e~ of----shy
lumber ouet oof ri77e size zorroers Previous survey cumulative2rTret rrour Lon-taret mroun COUD ors N o o
a 1 14 3 1 667 000 1000012 aneswar (lc jshahi) 21 15 7143 15 10000 0 0 7500 2500
21 Jh4igto (Jessore) 260 45 1731 42 9553 3 667 No loan was disburse during
this period78 Teb-nj 41 abna) 113 2C 1770 19 9500 1 500 10000 000 59 15 2542 11 73-53 4 2667 Function as not stabted dur
the neriod115 Ehomra -na) 68 15 2206 14 93-33 1 667 8900 1100
2 oe) 105 15 1500 15 10000 0 0 9000 1000 91 h hn C iriur) 212 32 15Cc 52 10000 0 0 10000 OCC
114 IFi ra t 15 2344 12 E000 5 2C00 No loan was disbursed during
the period90 Lca ra (- Io disbu-seent was d theaurn- above nentioned Tneriod 10000 000 77 - ia) 22 1500 35 10000 0 0 10000 000
(1) Sub ioi 114 220 1916 207 9409 13 591 94 6
Lowest - tio HOhes 1 o ICC9 Ovorall a 4-09
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
1641
1507
70
77
8333
10000
14
0
1667
()
9700
9000
rouD
300
100
()
b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
P1Kiik--anA
D3b
252
565
LO
4
1724
1522
40
48
10000
10000
0
0
0
0
10000
8900
000
1100
46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
ct
4
AP
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~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
0 0
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0 ~C
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~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
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0
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0
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0 m
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Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
The following surveys were conducted by the former consultants and targetnon-target ratios were made cumulative for determination of the said 13 + 13 reimbursement
September 1979 November 1979
January 1980 June 1980
Decenmber 1980
We were unable to determine either the basis or obtain a detailed oreakdown of such computation It was therefore not possible for u to use their methodology or data for this purpose
We weuld like to mention that the approach taken in the first phase of the project of aggregating various ratios may not be valid since both the universe and the applicable targetnon-target ratios of earlier surveys may have changed drastically after completion of loan repayments by the old borrowers Use of only one ratio for both the first 13 and the second 13 payment is also not proper not to speak of the ability of any auch methodology to take care of the time gap between two surveys
Any judgement as to tlhe accuracy validity and soundness of the analysis of the continuous survey data should take into account the above inherent problems of the system as indeed has been recognized in the past in Project Implementation Letter 15
Survey Design
Two sample universes one (mother universe) including borrowers who are likely to repay their loans between the period from 1st September 1981 and 28282 and the other (baby universe) including all fresh loans made durin- the above period have been considered to determine the targetnon-target ratios for second Y3 (recovery) and first y (borrowing) reimbursement to the participating institushytions respectively
Additional questions were asked in the questionnaire to cross
check some of the information obtained during the surveys besides
discreet cross checking with other influential and relaiable persons
toin the same locality The questionnaire forms has been appended
this report
Simple random sampling technique was used to draw the sample of
the survey In order to achieve 956 confidence interval of the
optimal sampling formula was used to determine theestimates an
sample size 72
n = I+ 72
N
Where N represents the population size and n represents the sample
size of the survey
This survey covered all the new and old outlets Samples were drawn
for interview using Fishers random sample table Adequate sample was
to the minimumdrawn for each universe at each outlet level subject
individual sample size of 15 which gave us a total sample size of
3821 for mother universe and 2357 for baby universe
The sample size for mother universe was approximately 1747 of the
1653each of the samplepopulation while that for baby universe was
size assuring approximately a confidence interval of 95
Results
For RFEP a target group borrower is defined as a rural dweller over
the age of 18 owning less than 2 acres of cultivable land and having
a gross annual cash income of less than Tk 6000- The continuous
well as thesurvey verified this status of the new loanees as
outstanding loanees
new loanees for theThe results of the survey show that 89 of all
period from September 1981 through February 1982 are in the target
in the previous survey 89 of the outstandinggroup as compared to 91
loanees from whom likely recovery could be made during the above it
period were found to belong to the target group For the sake of simplicifty the results were shown separately under the
followin hear
Ratios for Borrowing
The overall rsults of this survey hOve been set out in table
I nnd the inUividnl insntitution Atils hnve been shown in mlbien 2 throeah 0 A comNriO or the prpoortion of the
turret rd nor-tartet roup lentn-s for ec in [tut by
outlet with he previous survey for the yond Vay-f u Q3i1
hns been shown in the nbove TN21 05 hbIe1 sow the copashy
rion of isttutionaO results with those of nhe previous
per iod
Rat ion for recovrry
The overall reeovery ratio for this survey has been presented
in Table V hinh shows that the proportion of target group 7 onI r is I- in the aeir PT 792 for Aroni ant 801 for Utturn 01 r Anat nd uPli 96 for Rupali ned 77 for
Sonli 95 - W-B and the individual institution details are
shown in Tablus 13 throuh 21
Table - IResults of Verification of the Target Status of Borrowers to whom advances were made during
the period from Ist September 1981 to 28 February 1982 ___ot______________o_____________________________Borrowers
1f opereti oois 0_ 0 - oon Yor osamleo_a - oo f S a mn l e iz eB Target Froup Non target uroupo r w s
A -rani 9 0 oNoNo208128 288 1383 236 8194 52 1806 12 625 137i D 2192 129 9410513 8 5841246 227 1822 192 8458 35 15a2
118 220 1916 207 9409 13 59116 5164 812 1572 776 95-57 36 443
4 571ui7 931190 1629 75192 80651601 18183 95-31 9 4691935
10 2028 325 1603 256 78-77Sra 69 21235 201 63 3134 47 7460 16 2540All iancs 87 14265 2557 1653 2101 8914 256 1086
Loest 7C H tio 7460 Hit hest TG Ttio 957 Overall 27atio 8914Standard -evi ticn 772
Excluding Two curet namely 3abuganj TCCA (3nrisal)B3aluhar BSBL Court Chandpur Jessore
~~
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(D 0
D
0P-
(D
N)
r)
D
(
0d
R
0
ro
oC
wC
HC
D
0 ct
D
51
Ij
-CD
(D
c
ct
0A
C
jN
D
0
0 01
D a
0j
0co
i tj
W (
D
-1-I
p
~
-C
D
I
~
5-5-
3Q
~j
~ I
4~
1-5
~-~
jt
CD
5
shy
~~- 4
- ~ --
0-
-M(D
0
0)
o-0
(D5-
gttE
0V
o-
t(0
o-0~
0
0I
0-I
-z0i
~
)I
0
0
-
0
5-
IL
q-~
0
gtc
I5
0
-1 d
02
jC
g-
(
0 o
1 z
(Dt
0-
-l 0
~C
0)
0
zC
C
DI-
C
F
05
D1I
D
rJ
0
0
LrP
d0
0 0
I o -
fSJ
i ~ O
~1
-gt
s-5
-Q
~Io~
2~I
I1l
5 5 ~
I5~
-
-
~ 0C
1~
~~
Xt ~
S
-I
I--I
Table - 5 Results of veri cat-on of zh t ar-et =rouc s jus on borrowers to m advances_ ere madedurin- tn-- rici rom_ 1-st 198 5e~t -er to 28- Yeru ry 1982
n 7 - - Ud IC - r 4-
e~ of----shy
lumber ouet oof ri77e size zorroers Previous survey cumulative2rTret rrour Lon-taret mroun COUD ors N o o
a 1 14 3 1 667 000 1000012 aneswar (lc jshahi) 21 15 7143 15 10000 0 0 7500 2500
21 Jh4igto (Jessore) 260 45 1731 42 9553 3 667 No loan was disburse during
this period78 Teb-nj 41 abna) 113 2C 1770 19 9500 1 500 10000 000 59 15 2542 11 73-53 4 2667 Function as not stabted dur
the neriod115 Ehomra -na) 68 15 2206 14 93-33 1 667 8900 1100
2 oe) 105 15 1500 15 10000 0 0 9000 1000 91 h hn C iriur) 212 32 15Cc 52 10000 0 0 10000 OCC
114 IFi ra t 15 2344 12 E000 5 2C00 No loan was disbursed during
the period90 Lca ra (- Io disbu-seent was d theaurn- above nentioned Tneriod 10000 000 77 - ia) 22 1500 35 10000 0 0 10000 000
(1) Sub ioi 114 220 1916 207 9409 13 591 94 6
Lowest - tio HOhes 1 o ICC9 Ovorall a 4-09
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
1641
1507
70
77
8333
10000
14
0
1667
()
9700
9000
rouD
300
100
()
b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
P1Kiik--anA
D3b
252
565
LO
4
1724
1522
40
48
10000
10000
0
0
0
0
10000
8900
000
1100
46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
ct
4
AP
O(
j~~
J ct
0H
ctP
0
0~
C
P0
P 0
01
PH
ct
pJ
t~
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L (D
4j
C)
H P
0
c
PP
-~
ct
vou 0
-Q
(D
0
~
fli0
1
01
H
Oct
1-3
M
fshy
r
4~
C
l
W
oId
0
10
(D
(D
Itd
0ct 0
G
) 0
0)
C
0
0
F 0i
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ct
040
r1
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A-u
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4 O
~
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4
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~ i
444
Q
j
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iC
0
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t iI
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~ ~
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q
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0 0
44
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~ 44j
4444~
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1
04
4 4
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~ 1
4 1
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04 )
P
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~~~~
44 4
4
4 (D
4444
44
444
44
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(4
D4)
4
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o
44
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p
4
A
t
44
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~ -44 ~
~~
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~ ~
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44
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to--
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F
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Fl
11
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i
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1)
C
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L
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ct
(I~h
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0
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9
AA
AA
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A
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AA
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t A
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A
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f
AA
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ALL L
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A AA
0
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fl
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4) ~~
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1
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lA
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)
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ct
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0
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A
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r
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0
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AA
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A
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3
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AA ~ ~
AA
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A
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j LL
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U
IA
A
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1
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g
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00
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0
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0
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L
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~ ~
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~ -~~
o
CA
)
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L
d
j A
A~
1 i
AL~
AC
0
-0
LA
~~
~4
AA
AA
AjA
Aj
A
0
A
0
A
LL
A
4j)
AA
1I
0
A
LA
~ ~
~
~ ~
~ ~
0
~ ~
~C
AA
L$A
tt
A
0l~
x(D
A
t~P
A~
~ ~
~
~ ~
~A~
A~
~~
) C
A)A
0t~
i
L
AL
A
A
AA
AA
~L
~i7
C
C
~ A
~
AA
A
AL
A0
A
7A
L
Aj
A
L0
AL
amp
1A
A
f
ALLA
AA
A~
AA
ALA
ALA
AA
AJA
CA
A
A
A
A
C
L
L
P
~AA~
AAA
~ A
0
A
j t
lAC
AC
s)A
A
L-
A-A
AA
~A
JA
AIA
AA
L
A
A
AA
~LA
CA
L~
LA
LI
ZAA
A
A
A
LA
All
AI
AA
AA
A
L
A
~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
0 0
ItI
0 )Ct
0
(
TY
0
Al
--O
j
4~
C
lt-
Fi
t P
jI-
00~
0) Q
j d
) f
J
G)
P C
DO
H
ct
o (D
0)
(if 0
) if
-
4~
4
1ifl
ifif
0 0
V ct
0i~
i
ifif~
~~
~~
c
ifcI
0 0
fi
if~if
-shy
if
0f
f
~ -
4
pj~
x
f
44i
fj if
~ ~~
~ ~
~ ~
ct
i d
fi~
VA
ir
oi
iffi
f4
i~i
4
f h
~ ff
A
T
~( ~0
N
) J
O
4d
i
CD
f
9
f
if ~
f ~
~ii
~ja
rljjj~
j~jj1
~4
0
~ ~
ampif5i
9 ~f
~~ifi
f 4 4i
f
Vl
4 if~
N~
f~i~O
fj
-n4
if
4 ifJ
DA
0 to
cf
P
if~
( 0
0 0
00
00
0
r1
ct c
t 1
~m 0
gtc
0
1
co
ID
cct(
D
p 0
flI
S
ct0D
~
~
~
~O
O
n
~ ~L
ct0
4 I1
2
t
co
J
J 0
It C
C
ct
CIC
I~C
I 0-
CCF
j
(D c
t-C
CIC
CI~
~~
7
C(
CI
C
I D
C~
~~
~~
~~
~~
~~
~~
~~
~~
~~
( C
U C
1
IC
II)
C~
~C
fC
CC
IC
CC
CjI
~ N
~
0 3
1
0
0
AC
~~
~~~~
~~~~
~~c
~ 3
i ri
-IC
C
4
C
AfC
O ~
4 C
V
I IJ
C
~
11I
oC
C-u
CC
~C
Io
1gt
15
1
C
CC
C
4
~[4
(1
CC
1
aC
C
C5 0
C
C
L~
~
O
CC
C
I C
~
~1
~lII
IIC
I C
C
I 0
CIC
FC
i2
C
~C
CCC
~I ~
~~
I~
5C
CII
C
CC
C
~ ~
C
C
CI
F~
F
C
C
IC0
C
C
I C~
C
C C
~C
CC
SC
CC
Co
4
C-
~ C
JI 4
CIC
~
Q0
F
~~C
C
C
1C
~15
54
S15
4 C
C
0I
CC
5IC
4 ~
__t
II C
~IC
CI0
IIC
Cgt
~C
~ C
OC
lC~
~
C 1S
C
CC
1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
D0
S~~
) ~1
)y
~ ~
Apf~
~ -5
0
2l
(7~
~~
~
-c
D)~
~
~
n
tdi
ci
ct
0 D
-(
D
~ C
4gt
fl
HI
0
G)
C
IOti
l -
E
L))
0
ro(D
Co
w
0m
~ ~
~
N
~
-~
N~
~ ~
~
N~
)
4
~ ~
-~
~ )-
P
jl
D3
--2
0)
Qp
iP
~
~~
~C
-o
H
44
C~
0 ~f
l~
4--
K
-N
)~
WO
VQ
--
N)-
o
-A-~
4
dG
) 0
-J
4
A-C
N
-JO
shy
-0t
4
~ ~
44
r)
)~4
)-4~
-(
D
- p
4
(DC
shy
4~
4
---U
t
4
4
J
~H4
~ -
-~
4c4
-4)
--A
-
shy
--
-
I-~
7
i
Co
~
O
Ishy~
~
4
~ 4
~4 4~
0-
0L
4
~ ~f
$7
0
0P
J
00
--)
shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
Additional questions were asked in the questionnaire to cross
check some of the information obtained during the surveys besides
discreet cross checking with other influential and relaiable persons
toin the same locality The questionnaire forms has been appended
this report
Simple random sampling technique was used to draw the sample of
the survey In order to achieve 956 confidence interval of the
optimal sampling formula was used to determine theestimates an
sample size 72
n = I+ 72
N
Where N represents the population size and n represents the sample
size of the survey
This survey covered all the new and old outlets Samples were drawn
for interview using Fishers random sample table Adequate sample was
to the minimumdrawn for each universe at each outlet level subject
individual sample size of 15 which gave us a total sample size of
3821 for mother universe and 2357 for baby universe
The sample size for mother universe was approximately 1747 of the
1653each of the samplepopulation while that for baby universe was
size assuring approximately a confidence interval of 95
Results
For RFEP a target group borrower is defined as a rural dweller over
the age of 18 owning less than 2 acres of cultivable land and having
a gross annual cash income of less than Tk 6000- The continuous
well as thesurvey verified this status of the new loanees as
outstanding loanees
new loanees for theThe results of the survey show that 89 of all
period from September 1981 through February 1982 are in the target
in the previous survey 89 of the outstandinggroup as compared to 91
loanees from whom likely recovery could be made during the above it
period were found to belong to the target group For the sake of simplicifty the results were shown separately under the
followin hear
Ratios for Borrowing
The overall rsults of this survey hOve been set out in table
I nnd the inUividnl insntitution Atils hnve been shown in mlbien 2 throeah 0 A comNriO or the prpoortion of the
turret rd nor-tartet roup lentn-s for ec in [tut by
outlet with he previous survey for the yond Vay-f u Q3i1
hns been shown in the nbove TN21 05 hbIe1 sow the copashy
rion of isttutionaO results with those of nhe previous
per iod
Rat ion for recovrry
The overall reeovery ratio for this survey has been presented
in Table V hinh shows that the proportion of target group 7 onI r is I- in the aeir PT 792 for Aroni ant 801 for Utturn 01 r Anat nd uPli 96 for Rupali ned 77 for
Sonli 95 - W-B and the individual institution details are
shown in Tablus 13 throuh 21
Table - IResults of Verification of the Target Status of Borrowers to whom advances were made during
the period from Ist September 1981 to 28 February 1982 ___ot______________o_____________________________Borrowers
1f opereti oois 0_ 0 - oon Yor osamleo_a - oo f S a mn l e iz eB Target Froup Non target uroupo r w s
A -rani 9 0 oNoNo208128 288 1383 236 8194 52 1806 12 625 137i D 2192 129 9410513 8 5841246 227 1822 192 8458 35 15a2
118 220 1916 207 9409 13 59116 5164 812 1572 776 95-57 36 443
4 571ui7 931190 1629 75192 80651601 18183 95-31 9 4691935
10 2028 325 1603 256 78-77Sra 69 21235 201 63 3134 47 7460 16 2540All iancs 87 14265 2557 1653 2101 8914 256 1086
Loest 7C H tio 7460 Hit hest TG Ttio 957 Overall 27atio 8914Standard -evi ticn 772
Excluding Two curet namely 3abuganj TCCA (3nrisal)B3aluhar BSBL Court Chandpur Jessore
~~
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Table - 5 Results of veri cat-on of zh t ar-et =rouc s jus on borrowers to m advances_ ere madedurin- tn-- rici rom_ 1-st 198 5e~t -er to 28- Yeru ry 1982
n 7 - - Ud IC - r 4-
e~ of----shy
lumber ouet oof ri77e size zorroers Previous survey cumulative2rTret rrour Lon-taret mroun COUD ors N o o
a 1 14 3 1 667 000 1000012 aneswar (lc jshahi) 21 15 7143 15 10000 0 0 7500 2500
21 Jh4igto (Jessore) 260 45 1731 42 9553 3 667 No loan was disburse during
this period78 Teb-nj 41 abna) 113 2C 1770 19 9500 1 500 10000 000 59 15 2542 11 73-53 4 2667 Function as not stabted dur
the neriod115 Ehomra -na) 68 15 2206 14 93-33 1 667 8900 1100
2 oe) 105 15 1500 15 10000 0 0 9000 1000 91 h hn C iriur) 212 32 15Cc 52 10000 0 0 10000 OCC
114 IFi ra t 15 2344 12 E000 5 2C00 No loan was disbursed during
the period90 Lca ra (- Io disbu-seent was d theaurn- above nentioned Tneriod 10000 000 77 - ia) 22 1500 35 10000 0 0 10000 000
(1) Sub ioi 114 220 1916 207 9409 13 591 94 6
Lowest - tio HOhes 1 o ICC9 Ovorall a 4-09
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
1641
1507
70
77
8333
10000
14
0
1667
()
9700
9000
rouD
300
100
()
b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
P1Kiik--anA
D3b
252
565
LO
4
1724
1522
40
48
10000
10000
0
0
0
0
10000
8900
000
1100
46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
ct
4
AP
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0
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ct
040
r1
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44 4
4
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44
444
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(4
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p
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t
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~~
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CD
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to--
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9
AA
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t A
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AA
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AA
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f
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A
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A
ALL L
AL ~
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A AA
0
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AAA
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4) ~~
A A
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AA
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A
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A~
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1
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lt
A
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AA
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A~
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A-
AA
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A
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lA
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AA
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ct
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AA
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0
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A
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r
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0
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AA
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A
L
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A
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3
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AA
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AA ~ ~
AA
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L ~
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A
A
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j LL
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A
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0
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~ -~~
o
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)
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L
d
j A
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1 i
AL~
AC
0
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LA
~~
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AA
AA
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Aj
A
0
A
0
A
LL
A
4j)
AA
1I
0
A
LA
~ ~
~
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0
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AA
L$A
tt
A
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A
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~
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A~
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A)A
0t~
i
L
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A
A
AA
AA
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C
C
~ A
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AA
A
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A
7A
L
Aj
A
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amp
1A
A
f
ALLA
AA
A~
AA
ALA
ALA
AA
AJA
CA
A
A
A
A
C
L
L
P
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AAA
~ A
0
A
j t
lAC
AC
s)A
A
L-
A-A
AA
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JA
AIA
AA
L
A
A
AA
~LA
CA
L~
LA
LI
ZAA
A
A
A
LA
All
AI
AA
AA
A
L
A
~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
0 0
ItI
0 )Ct
0
(
TY
0
Al
--O
j
4~
C
lt-
Fi
t P
jI-
00~
0) Q
j d
) f
J
G)
P C
DO
H
ct
o (D
0)
(if 0
) if
-
4~
4
1ifl
ifif
0 0
V ct
0i~
i
ifif~
~~
~~
c
ifcI
0 0
fi
if~if
-shy
if
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f
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4
pj~
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f
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fj if
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ct
i d
fi~
VA
ir
oi
iffi
f4
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4
f h
~ ff
A
T
~( ~0
N
) J
O
4d
i
CD
f
9
f
if ~
f ~
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rljjj~
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0
~ ~
ampif5i
9 ~f
~~ifi
f 4 4i
f
Vl
4 if~
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f~i~O
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if
4 ifJ
DA
0 to
cf
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if~
( 0
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00
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t 1
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1
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p 0
flI
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ct0D
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n
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ct0
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t
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C
ct
CIC
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j
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~~
7
C(
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~~
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( C
U C
1
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II)
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CC
IC
CC
CjI
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1
0
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AC
~~
~~~~
~~~~
~~c
~ 3
i ri
-IC
C
4
C
AfC
O ~
4 C
V
I IJ
C
~
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Io
1gt
15
1
C
CC
C
4
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CC
1
aC
C
C5 0
C
C
L~
~
O
CC
C
I C
~
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IIC
I C
C
I 0
CIC
FC
i2
C
~C
CCC
~I ~
~~
I~
5C
CII
C
CC
C
~ ~
C
C
CI
F~
F
C
C
IC0
C
C
I C~
C
C C
~C
CC
SC
CC
Co
4
C-
~ C
JI 4
CIC
~
Q0
F
~~C
C
C
1C
~15
54
S15
4 C
C
0I
CC
5IC
4 ~
__t
II C
~IC
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IIC
Cgt
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~ C
OC
lC~
~
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C
CC
1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
D0
S~~
) ~1
)y
~ ~
Apf~
~ -5
0
2l
(7~
~~
~
-c
D)~
~
~
n
tdi
ci
ct
0 D
-(
D
~ C
4gt
fl
HI
0
G)
C
IOti
l -
E
L))
0
ro(D
Co
w
0m
~ ~
~
N
~
-~
N~
~ ~
~
N~
)
4
~ ~
-~
~ )-
P
jl
D3
--2
0)
Qp
iP
~
~~
~C
-o
H
44
C~
0 ~f
l~
4--
K
-N
)~
WO
VQ
--
N)-
o
-A-~
4
dG
) 0
-J
4
A-C
N
-JO
shy
-0t
4
~ ~
44
r)
)~4
)-4~
-(
D
- p
4
(DC
shy
4~
4
---U
t
4
4
J
~H4
~ -
-~
4c4
-4)
--A
-
shy
--
-
I-~
7
i
Co
~
O
Ishy~
~
4
~ 4
~4 4~
0-
0L
4
~ ~f
$7
0
0P
J
00
--)
shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
period were found to belong to the target group For the sake of simplicifty the results were shown separately under the
followin hear
Ratios for Borrowing
The overall rsults of this survey hOve been set out in table
I nnd the inUividnl insntitution Atils hnve been shown in mlbien 2 throeah 0 A comNriO or the prpoortion of the
turret rd nor-tartet roup lentn-s for ec in [tut by
outlet with he previous survey for the yond Vay-f u Q3i1
hns been shown in the nbove TN21 05 hbIe1 sow the copashy
rion of isttutionaO results with those of nhe previous
per iod
Rat ion for recovrry
The overall reeovery ratio for this survey has been presented
in Table V hinh shows that the proportion of target group 7 onI r is I- in the aeir PT 792 for Aroni ant 801 for Utturn 01 r Anat nd uPli 96 for Rupali ned 77 for
Sonli 95 - W-B and the individual institution details are
shown in Tablus 13 throuh 21
Table - IResults of Verification of the Target Status of Borrowers to whom advances were made during
the period from Ist September 1981 to 28 February 1982 ___ot______________o_____________________________Borrowers
1f opereti oois 0_ 0 - oon Yor osamleo_a - oo f S a mn l e iz eB Target Froup Non target uroupo r w s
A -rani 9 0 oNoNo208128 288 1383 236 8194 52 1806 12 625 137i D 2192 129 9410513 8 5841246 227 1822 192 8458 35 15a2
118 220 1916 207 9409 13 59116 5164 812 1572 776 95-57 36 443
4 571ui7 931190 1629 75192 80651601 18183 95-31 9 4691935
10 2028 325 1603 256 78-77Sra 69 21235 201 63 3134 47 7460 16 2540All iancs 87 14265 2557 1653 2101 8914 256 1086
Loest 7C H tio 7460 Hit hest TG Ttio 957 Overall 27atio 8914Standard -evi ticn 772
Excluding Two curet namely 3abuganj TCCA (3nrisal)B3aluhar BSBL Court Chandpur Jessore
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Table - 5 Results of veri cat-on of zh t ar-et =rouc s jus on borrowers to m advances_ ere madedurin- tn-- rici rom_ 1-st 198 5e~t -er to 28- Yeru ry 1982
n 7 - - Ud IC - r 4-
e~ of----shy
lumber ouet oof ri77e size zorroers Previous survey cumulative2rTret rrour Lon-taret mroun COUD ors N o o
a 1 14 3 1 667 000 1000012 aneswar (lc jshahi) 21 15 7143 15 10000 0 0 7500 2500
21 Jh4igto (Jessore) 260 45 1731 42 9553 3 667 No loan was disburse during
this period78 Teb-nj 41 abna) 113 2C 1770 19 9500 1 500 10000 000 59 15 2542 11 73-53 4 2667 Function as not stabted dur
the neriod115 Ehomra -na) 68 15 2206 14 93-33 1 667 8900 1100
2 oe) 105 15 1500 15 10000 0 0 9000 1000 91 h hn C iriur) 212 32 15Cc 52 10000 0 0 10000 OCC
114 IFi ra t 15 2344 12 E000 5 2C00 No loan was disbursed during
the period90 Lca ra (- Io disbu-seent was d theaurn- above nentioned Tneriod 10000 000 77 - ia) 22 1500 35 10000 0 0 10000 000
(1) Sub ioi 114 220 1916 207 9409 13 591 94 6
Lowest - tio HOhes 1 o ICC9 Ovorall a 4-09
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
1641
1507
70
77
8333
10000
14
0
1667
()
9700
9000
rouD
300
100
()
b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
P1Kiik--anA
D3b
252
565
LO
4
1724
1522
40
48
10000
10000
0
0
0
0
10000
8900
000
1100
46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
ct
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A
(A
AA
AA
~~
~~
AA
+A
A~
~~
A~
~A
A
LF
A-
AA
AA
AA
LL
A
A
lA
~I
j ~
AA
~
I
AA
A
~d
AA
A~
A
A
ALA
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A
A
A
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L
A
A
A
A
CD
UA
AA
AA
AC
)
D
ct
-A
AA
~
AA
A
AA
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AA
AA
A
A
A
A
AA
AA
AA
A
~iA
AA
A
~A
A
~ A
A
~A
C)A
AA
AA
AA
A
0
HH
A
A
A
~~
~~rL
r
iA
0
AA
AA
c-
AA
A
L
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A
A
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~
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3
LA
AA
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NA
A
~~~A
AAAA
AA ~ ~
AA
~
L ~
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~ ~
A
A
-A
AD
j LL
LA
U
IA
A
A
L
A
AA
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A
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~ 0
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~ ~ ~
~
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1
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o
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A A
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g
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1A
-A
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A
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D
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AN
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~~A
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0
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P~i
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~ A
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~ -~~
o
CA
)
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L
d
j A
A~
1 i
AL~
AC
0
-0
LA
~~
~4
AA
AA
AjA
Aj
A
0
A
0
A
LL
A
4j)
AA
1I
0
A
LA
~ ~
~
~ ~
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0
~ ~
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AA
L$A
tt
A
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x(D
A
t~P
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~
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A~
~~
) C
A)A
0t~
i
L
AL
A
A
AA
AA
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C
C
~ A
~
AA
A
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A
7A
L
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A
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amp
1A
A
f
ALLA
AA
A~
AA
ALA
ALA
AA
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CA
A
A
A
A
C
L
L
P
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AAA
~ A
0
A
j t
lAC
AC
s)A
A
L-
A-A
AA
~A
JA
AIA
AA
L
A
A
AA
~LA
CA
L~
LA
LI
ZAA
A
A
A
LA
All
AI
AA
AA
A
L
A
~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
0 0
ItI
0 )Ct
0
(
TY
0
Al
--O
j
4~
C
lt-
Fi
t P
jI-
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0) Q
j d
) f
J
G)
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DO
H
ct
o (D
0)
(if 0
) if
-
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4
1ifl
ifif
0 0
V ct
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i
ifif~
~~
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c
ifcI
0 0
fi
if~if
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if
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4
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ct
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VA
ir
oi
iffi
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4
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~ ff
A
T
~( ~0
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9
f
if ~
f ~
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~ ~
ampif5i
9 ~f
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f 4 4i
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4 ifJ
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n
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1
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~~~~
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i ri
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C
4
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O ~
4 C
V
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4
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CC
1
aC
C
C5 0
C
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~
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CC
C
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~
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FC
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CCC
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~~
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CC
C
~ ~
C
C
CI
F~
F
C
C
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C
C
I C~
C
C C
~C
CC
SC
CC
Co
4
C-
~ C
JI 4
CIC
~
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F
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C
C
1C
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54
S15
4 C
C
0I
CC
5IC
4 ~
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II C
~IC
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IIC
Cgt
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OC
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CC
1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
D0
S~~
) ~1
)y
~ ~
Apf~
~ -5
0
2l
(7~
~~
~
-c
D)~
~
~
n
tdi
ci
ct
0 D
-(
D
~ C
4gt
fl
HI
0
G)
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IOti
l -
E
L))
0
ro(D
Co
w
0m
~ ~
~
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~
-~
N~
~ ~
~
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)
4
~ ~
-~
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jl
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0)
Qp
iP
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~~
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44
C~
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)~
WO
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o
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4
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4
A-C
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shy
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4
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r)
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)-4~
-(
D
- p
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shy
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4
---U
t
4
4
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7
i
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$7
0
0P
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00
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shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
----
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I
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
Table - IResults of Verification of the Target Status of Borrowers to whom advances were made during
the period from Ist September 1981 to 28 February 1982 ___ot______________o_____________________________Borrowers
1f opereti oois 0_ 0 - oon Yor osamleo_a - oo f S a mn l e iz eB Target Froup Non target uroupo r w s
A -rani 9 0 oNoNo208128 288 1383 236 8194 52 1806 12 625 137i D 2192 129 9410513 8 5841246 227 1822 192 8458 35 15a2
118 220 1916 207 9409 13 59116 5164 812 1572 776 95-57 36 443
4 571ui7 931190 1629 75192 80651601 18183 95-31 9 4691935
10 2028 325 1603 256 78-77Sra 69 21235 201 63 3134 47 7460 16 2540All iancs 87 14265 2557 1653 2101 8914 256 1086
Loest 7C H tio 7460 Hit hest TG Ttio 957 Overall 27atio 8914Standard -evi ticn 772
Excluding Two curet namely 3abuganj TCCA (3nrisal)B3aluhar BSBL Court Chandpur Jessore
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Table - 5 Results of veri cat-on of zh t ar-et =rouc s jus on borrowers to m advances_ ere madedurin- tn-- rici rom_ 1-st 198 5e~t -er to 28- Yeru ry 1982
n 7 - - Ud IC - r 4-
e~ of----shy
lumber ouet oof ri77e size zorroers Previous survey cumulative2rTret rrour Lon-taret mroun COUD ors N o o
a 1 14 3 1 667 000 1000012 aneswar (lc jshahi) 21 15 7143 15 10000 0 0 7500 2500
21 Jh4igto (Jessore) 260 45 1731 42 9553 3 667 No loan was disburse during
this period78 Teb-nj 41 abna) 113 2C 1770 19 9500 1 500 10000 000 59 15 2542 11 73-53 4 2667 Function as not stabted dur
the neriod115 Ehomra -na) 68 15 2206 14 93-33 1 667 8900 1100
2 oe) 105 15 1500 15 10000 0 0 9000 1000 91 h hn C iriur) 212 32 15Cc 52 10000 0 0 10000 OCC
114 IFi ra t 15 2344 12 E000 5 2C00 No loan was disbursed during
the period90 Lca ra (- Io disbu-seent was d theaurn- above nentioned Tneriod 10000 000 77 - ia) 22 1500 35 10000 0 0 10000 000
(1) Sub ioi 114 220 1916 207 9409 13 591 94 6
Lowest - tio HOhes 1 o ICC9 Ovorall a 4-09
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
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70
77
8333
10000
14
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()
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9000
rouD
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100
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b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
P1Kiik--anA
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252
565
LO
4
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0
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000
1100
46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
ct
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Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
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J
J 0
It C
C
ct
CIC
I~C
I 0-
CCF
j
(D c
t-C
CIC
CI~
~~
7
C(
CI
C
I D
C~
~~
~~
~~
~~
~~
~~
~~
~~
~~
( C
U C
1
IC
II)
C~
~C
fC
CC
IC
CC
CjI
~ N
~
0 3
1
0
0
AC
~~
~~~~
~~~~
~~c
~ 3
i ri
-IC
C
4
C
AfC
O ~
4 C
V
I IJ
C
~
11I
oC
C-u
CC
~C
Io
1gt
15
1
C
CC
C
4
~[4
(1
CC
1
aC
C
C5 0
C
C
L~
~
O
CC
C
I C
~
~1
~lII
IIC
I C
C
I 0
CIC
FC
i2
C
~C
CCC
~I ~
~~
I~
5C
CII
C
CC
C
~ ~
C
C
CI
F~
F
C
C
IC0
C
C
I C~
C
C C
~C
CC
SC
CC
Co
4
C-
~ C
JI 4
CIC
~
Q0
F
~~C
C
C
1C
~15
54
S15
4 C
C
0I
CC
5IC
4 ~
__t
II C
~IC
CI0
IIC
Cgt
~C
~ C
OC
lC~
~
C 1S
C
CC
1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
D0
S~~
) ~1
)y
~ ~
Apf~
~ -5
0
2l
(7~
~~
~
-c
D)~
~
~
n
tdi
ci
ct
0 D
-(
D
~ C
4gt
fl
HI
0
G)
C
IOti
l -
E
L))
0
ro(D
Co
w
0m
~ ~
~
N
~
-~
N~
~ ~
~
N~
)
4
~ ~
-~
~ )-
P
jl
D3
--2
0)
Qp
iP
~
~~
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-o
H
44
C~
0 ~f
l~
4--
K
-N
)~
WO
VQ
--
N)-
o
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4
dG
) 0
-J
4
A-C
N
-JO
shy
-0t
4
~ ~
44
r)
)~4
)-4~
-(
D
- p
4
(DC
shy
4~
4
---U
t
4
4
J
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~ -
-~
4c4
-4)
--A
-
shy
--
-
I-~
7
i
Co
~
O
Ishy~
~
4
~ 4
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0-
0L
4
~ ~f
$7
0
0P
J
00
--)
shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
----
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2222
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p ~
PP
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ct
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r-lt
0
H-t
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1-1
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0
f
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r
lJ
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p-o
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1
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CD
0
I1I0
coa
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~
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) ~
0 H
(Dn
In
0D(njN
W
j I
00(
l
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0
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n $
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(D--
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-21
-
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I
I
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
~~
H
C
II3 ~
c
ct
shy
0~
CIO
cn
H
HH
0
Ht
0t
(D
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c
~ Nt
(D
r
l 9)
P p3
CD
N
P
CD
0
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0 D t
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F
td~
W
0 o(
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00
4
000
Nl c
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l
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(Dc)
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3
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11 0
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0 0
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5
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0
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o-0
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0
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jC
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0-
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C
F
05
D1I
D
rJ
0
0
LrP
d0
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I o -
fSJ
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s-5
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S
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I--I
Table - 5 Results of veri cat-on of zh t ar-et =rouc s jus on borrowers to m advances_ ere madedurin- tn-- rici rom_ 1-st 198 5e~t -er to 28- Yeru ry 1982
n 7 - - Ud IC - r 4-
e~ of----shy
lumber ouet oof ri77e size zorroers Previous survey cumulative2rTret rrour Lon-taret mroun COUD ors N o o
a 1 14 3 1 667 000 1000012 aneswar (lc jshahi) 21 15 7143 15 10000 0 0 7500 2500
21 Jh4igto (Jessore) 260 45 1731 42 9553 3 667 No loan was disburse during
this period78 Teb-nj 41 abna) 113 2C 1770 19 9500 1 500 10000 000 59 15 2542 11 73-53 4 2667 Function as not stabted dur
the neriod115 Ehomra -na) 68 15 2206 14 93-33 1 667 8900 1100
2 oe) 105 15 1500 15 10000 0 0 9000 1000 91 h hn C iriur) 212 32 15Cc 52 10000 0 0 10000 OCC
114 IFi ra t 15 2344 12 E000 5 2C00 No loan was disbursed during
the period90 Lca ra (- Io disbu-seent was d theaurn- above nentioned Tneriod 10000 000 77 - ia) 22 1500 35 10000 0 0 10000 000
(1) Sub ioi 114 220 1916 207 9409 13 591 94 6
Lowest - tio HOhes 1 o ICC9 Ovorall a 4-09
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
1641
1507
70
77
8333
10000
14
0
1667
()
9700
9000
rouD
300
100
()
b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
P1Kiik--anA
D3b
252
565
LO
4
1724
1522
40
48
10000
10000
0
0
0
0
10000
8900
000
1100
46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
ct
4
AP
O(
j~~
J ct
0H
ctP
0
0~
C
P0
P 0
01
PH
ct
pJ
t~
~
o -h
L (D
4j
C)
H P
0
c
PP
-~
ct
vou 0
-Q
(D
0
~
fli0
1
01
H
Oct
1-3
M
fshy
r
4~
C
l
W
oId
0
10
(D
(D
Itd
0ct 0
G
) 0
0)
C
0
0
F 0i
J-
ct
040
r1
-4
A-u
~4
4 O
~
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J
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4
~
~ i
444
Q
j
0~
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1
4 V
iC
0
1=
t iI
44
~ ~
~ p
q
4~ -
0 0
44
4
4
i
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~ 44j
4444~
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1
04
4 4
0 -
~ 1
4 1
4
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44441
~0
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04 )
P
~~
~~~~
44 4
4
4 (D
4444
44
444
44
-~~
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~
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4)
4 1
4
4O
(4
D4)
4
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Q
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0
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o
44
14
~
p
4
A
t
44
~
~ -44 ~
~~
~~
~ ~
440
CD
44
1
4
444
4
44
44
4 U
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to--
-CD
F
-
~ ~
~ ~
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C 4
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D
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44
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4-
4-
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o
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I
4
1-
40
4
4
4
4
4
4
--
4 4
Q
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Q
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) 4
4~
4
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444444-)
Fl
11
0
(D44
c
i
e4
(D
0
0
1)
C
I -E
A
AA
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L
i fo
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~
ct
(I~h
L
H)
~ W
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AA
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AA
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~ ~
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0
A
0
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AC
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t A
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0 F
o
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LA
0
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ZR
0
L
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A
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9 A
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4
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~~
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L
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AA
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7A
AA
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~
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-
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AA
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A
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9
AA
AA
A
A
H
A~
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FjW
A
A
A7
A
~
AA
A
A
A
L
A
A
A
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A
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AA
A
A
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~~
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A
A)A
A)A
C
t A
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A
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A
A
LA
A
A
A
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O
Ac+
AA
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AL
A
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A
H
A
L
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A
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AA
~~
A
LA
P
A
A
N
~
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~
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A)L
AA
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AC
O AC
f
AA
J
AA
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DA
~ )J
AA
AA
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AA
L
AA
A
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A
A
Y
A
A
A
L
~
P
AA
L
A
I
~ A
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A
ALL L
AL ~
~LA
LA
A AA
0
~ A
~
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AA
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AAA
~
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V
0
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A(D
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AA ~~A
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A~A
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A
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fl
A
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A
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I A~4
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A
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A
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4) ~~
A A
A
AA
~~
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L4A
AA
AA
PA
A
A
A
A
AA
oA
A~~
A~
-
AA
A
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1
~-
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lt
A
AA
A
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AA
~~
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AA
+A
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LF
A-
AA
AA
AA
LL
A
A
lA
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j ~
AA
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I
AA
A
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AA
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A
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A
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L
A
A
A
A
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UA
AA
AA
AC
)
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ct
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AA
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AA
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AA
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AA
AA
AA
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0
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A
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r
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0
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AA
c-
AA
A
L
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A
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3
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AA
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A
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AA ~ ~
AA
~
L ~
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A
A
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j LL
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U
IA
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1
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o
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g
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0
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0
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L
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~ ~
~ A
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~ -~~
o
CA
)
LA
L
d
j A
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1 i
AL~
AC
0
-0
LA
~~
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AA
AA
AjA
Aj
A
0
A
0
A
LL
A
4j)
AA
1I
0
A
LA
~ ~
~
~ ~
~ ~
0
~ ~
~C
AA
L$A
tt
A
0l~
x(D
A
t~P
A~
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~
~ ~
~A~
A~
~~
) C
A)A
0t~
i
L
AL
A
A
AA
AA
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~i7
C
C
~ A
~
AA
A
AL
A0
A
7A
L
Aj
A
L0
AL
amp
1A
A
f
ALLA
AA
A~
AA
ALA
ALA
AA
AJA
CA
A
A
A
A
C
L
L
P
~AA~
AAA
~ A
0
A
j t
lAC
AC
s)A
A
L-
A-A
AA
~A
JA
AIA
AA
L
A
A
AA
~LA
CA
L~
LA
LI
ZAA
A
A
A
LA
All
AI
AA
AA
A
L
A
~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
0 0
ItI
0 )Ct
0
(
TY
0
Al
--O
j
4~
C
lt-
Fi
t P
jI-
00~
0) Q
j d
) f
J
G)
P C
DO
H
ct
o (D
0)
(if 0
) if
-
4~
4
1ifl
ifif
0 0
V ct
0i~
i
ifif~
~~
~~
c
ifcI
0 0
fi
if~if
-shy
if
0f
f
~ -
4
pj~
x
f
44i
fj if
~ ~~
~ ~
~ ~
ct
i d
fi~
VA
ir
oi
iffi
f4
i~i
4
f h
~ ff
A
T
~( ~0
N
) J
O
4d
i
CD
f
9
f
if ~
f ~
~ii
~ja
rljjj~
j~jj1
~4
0
~ ~
ampif5i
9 ~f
~~ifi
f 4 4i
f
Vl
4 if~
N~
f~i~O
fj
-n4
if
4 ifJ
DA
0 to
cf
P
if~
( 0
0 0
00
00
0
r1
ct c
t 1
~m 0
gtc
0
1
co
ID
cct(
D
p 0
flI
S
ct0D
~
~
~
~O
O
n
~ ~L
ct0
4 I1
2
t
co
J
J 0
It C
C
ct
CIC
I~C
I 0-
CCF
j
(D c
t-C
CIC
CI~
~~
7
C(
CI
C
I D
C~
~~
~~
~~
~~
~~
~~
~~
~~
~~
( C
U C
1
IC
II)
C~
~C
fC
CC
IC
CC
CjI
~ N
~
0 3
1
0
0
AC
~~
~~~~
~~~~
~~c
~ 3
i ri
-IC
C
4
C
AfC
O ~
4 C
V
I IJ
C
~
11I
oC
C-u
CC
~C
Io
1gt
15
1
C
CC
C
4
~[4
(1
CC
1
aC
C
C5 0
C
C
L~
~
O
CC
C
I C
~
~1
~lII
IIC
I C
C
I 0
CIC
FC
i2
C
~C
CCC
~I ~
~~
I~
5C
CII
C
CC
C
~ ~
C
C
CI
F~
F
C
C
IC0
C
C
I C~
C
C C
~C
CC
SC
CC
Co
4
C-
~ C
JI 4
CIC
~
Q0
F
~~C
C
C
1C
~15
54
S15
4 C
C
0I
CC
5IC
4 ~
__t
II C
~IC
CI0
IIC
Cgt
~C
~ C
OC
lC~
~
C 1S
C
CC
1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
D0
S~~
) ~1
)y
~ ~
Apf~
~ -5
0
2l
(7~
~~
~
-c
D)~
~
~
n
tdi
ci
ct
0 D
-(
D
~ C
4gt
fl
HI
0
G)
C
IOti
l -
E
L))
0
ro(D
Co
w
0m
~ ~
~
N
~
-~
N~
~ ~
~
N~
)
4
~ ~
-~
~ )-
P
jl
D3
--2
0)
Qp
iP
~
~~
~C
-o
H
44
C~
0 ~f
l~
4--
K
-N
)~
WO
VQ
--
N)-
o
-A-~
4
dG
) 0
-J
4
A-C
N
-JO
shy
-0t
4
~ ~
44
r)
)~4
)-4~
-(
D
- p
4
(DC
shy
4~
4
---U
t
4
4
J
~H4
~ -
-~
4c4
-4)
--A
-
shy
--
-
I-~
7
i
Co
~
O
Ishy~
~
4
~ 4
~4 4~
0-
0L
4
~ ~f
$7
0
0P
J
00
--)
shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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I
I
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
~C
f~W
C
~)~
Li
C
-L
xi
j C
4
Q
--4t
4
(D
P
p p2
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F
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ct
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14
C
Z)
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0 0t
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3
0
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5
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q-~
0
gtc
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0
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02
jC
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(
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1 z
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D1I
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0
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S
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Table - 5 Results of veri cat-on of zh t ar-et =rouc s jus on borrowers to m advances_ ere madedurin- tn-- rici rom_ 1-st 198 5e~t -er to 28- Yeru ry 1982
n 7 - - Ud IC - r 4-
e~ of----shy
lumber ouet oof ri77e size zorroers Previous survey cumulative2rTret rrour Lon-taret mroun COUD ors N o o
a 1 14 3 1 667 000 1000012 aneswar (lc jshahi) 21 15 7143 15 10000 0 0 7500 2500
21 Jh4igto (Jessore) 260 45 1731 42 9553 3 667 No loan was disburse during
this period78 Teb-nj 41 abna) 113 2C 1770 19 9500 1 500 10000 000 59 15 2542 11 73-53 4 2667 Function as not stabted dur
the neriod115 Ehomra -na) 68 15 2206 14 93-33 1 667 8900 1100
2 oe) 105 15 1500 15 10000 0 0 9000 1000 91 h hn C iriur) 212 32 15Cc 52 10000 0 0 10000 OCC
114 IFi ra t 15 2344 12 E000 5 2C00 No loan was disbursed during
the period90 Lca ra (- Io disbu-seent was d theaurn- above nentioned Tneriod 10000 000 77 - ia) 22 1500 35 10000 0 0 10000 000
(1) Sub ioi 114 220 1916 207 9409 13 591 94 6
Lowest - tio HOhes 1 o ICC9 Ovorall a 4-09
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
1641
1507
70
77
8333
10000
14
0
1667
()
9700
9000
rouD
300
100
()
b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
P1Kiik--anA
D3b
252
565
LO
4
1724
1522
40
48
10000
10000
0
0
0
0
10000
8900
000
1100
46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
ct
4
AP
O(
j~~
J ct
0H
ctP
0
0~
C
P0
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01
PH
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0
c
PP
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ct
vou 0
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01
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Oct
1-3
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r
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l
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0
10
(D
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040
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444
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Fj~
A
-
A
A
AA ~~A
A
A~A
A~Q
A
A A
fl
A
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A
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A
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A ~
I A~4
L
A
~ A
A
~JA
4) ~~
A A
A
AA
~~
~C
L4A
AA
AA
PA
A
A
A
A
AA
oA
A~~
A~
-
AA
A
A
1
~-
~
lt
A
AA
A
(A
AA
AA
~~
~~
AA
+A
A~
~~
A~
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A
LF
A-
AA
AA
AA
LL
A
A
lA
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j ~
AA
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I
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A
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AA
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L
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A
A
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UA
AA
AA
AC
)
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ct
-A
AA
~
AA
A
AA
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AA
AA
A
A
A
A
AA
AA
AA
A
~iA
AA
A
~A
A
~ A
A
~A
C)A
AA
AA
AA
A
0
HH
A
A
A
~~
~~rL
r
iA
0
AA
AA
c-
AA
A
L
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A
A
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~
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3
LA
AA
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NA
A
~~~A
AAAA
AA ~ ~
AA
~
L ~
~
~~
~ ~
A
A
-A
AD
j LL
LA
U
IA
A
A
L
A
AA
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0
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uA
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P
L
AA
A
L~ ~ ~
~A
A
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~
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i2 ~
~ 0
AA
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~ ~ ~
~
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1
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~~~~~~
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o
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A A
AA
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g
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00
1A
-A
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j ~
~
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Q
A
A
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A
L
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A
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AA
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D
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A
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AN
AA
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LN
~~A
~ A
A
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AC
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0
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0
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L
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A
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P
A~
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L
P~i
~ ~
~ A
-~
~ -~~
o
CA
)
LA
L
d
j A
A~
1 i
AL~
AC
0
-0
LA
~~
~4
AA
AA
AjA
Aj
A
0
A
0
A
LL
A
4j)
AA
1I
0
A
LA
~ ~
~
~ ~
~ ~
0
~ ~
~C
AA
L$A
tt
A
0l~
x(D
A
t~P
A~
~ ~
~
~ ~
~A~
A~
~~
) C
A)A
0t~
i
L
AL
A
A
AA
AA
~L
~i7
C
C
~ A
~
AA
A
AL
A0
A
7A
L
Aj
A
L0
AL
amp
1A
A
f
ALLA
AA
A~
AA
ALA
ALA
AA
AJA
CA
A
A
A
A
C
L
L
P
~AA~
AAA
~ A
0
A
j t
lAC
AC
s)A
A
L-
A-A
AA
~A
JA
AIA
AA
L
A
A
AA
~LA
CA
L~
LA
LI
ZAA
A
A
A
LA
All
AI
AA
AA
A
L
A
~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
0 0
ItI
0 )Ct
0
(
TY
0
Al
--O
j
4~
C
lt-
Fi
t P
jI-
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0) Q
j d
) f
J
G)
P C
DO
H
ct
o (D
0)
(if 0
) if
-
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4
1ifl
ifif
0 0
V ct
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i
ifif~
~~
~~
c
ifcI
0 0
fi
if~if
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if
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f
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4
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x
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fj if
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ct
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fi~
VA
ir
oi
iffi
f4
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4
f h
~ ff
A
T
~( ~0
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i
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f
9
f
if ~
f ~
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~ ~
ampif5i
9 ~f
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f 4 4i
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4 ifJ
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0 to
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p 0
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n
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ct
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~~
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~~
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1
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i ri
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C
4
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O ~
4 C
V
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1
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4
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CC
1
aC
C
C5 0
C
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CC
C
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~
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FC
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CCC
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~~
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C
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C
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F
C
C
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C
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C
C C
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CC
SC
CC
Co
4
C-
~ C
JI 4
CIC
~
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F
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C
C
1C
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54
S15
4 C
C
0I
CC
5IC
4 ~
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Cgt
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OC
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CC
1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
D0
S~~
) ~1
)y
~ ~
Apf~
~ -5
0
2l
(7~
~~
~
-c
D)~
~
~
n
tdi
ci
ct
0 D
-(
D
~ C
4gt
fl
HI
0
G)
C
IOti
l -
E
L))
0
ro(D
Co
w
0m
~ ~
~
N
~
-~
N~
~ ~
~
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)
4
~ ~
-~
~ )-
P
jl
D3
--2
0)
Qp
iP
~
~~
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-o
H
44
C~
0 ~f
l~
4--
K
-N
)~
WO
VQ
--
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o
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4
dG
) 0
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4
A-C
N
-JO
shy
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4
~ ~
44
r)
)~4
)-4~
-(
D
- p
4
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shy
4~
4
---U
t
4
4
J
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~ -
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-4)
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-
shy
--
-
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7
i
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~
4
~ 4
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~ ~f
$7
0
0P
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00
--)
shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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2
1-3s
-~
f 5
2 ~
~ ~ K
I -
n $
0K
(D--
--
J
C)
0~~I
I k
-21
-
--t
I
I
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
(n
J
CD
F
o
tCD
(T
)
I~cP
H0
C)
71
(DR) 0
0 or-
td u
) 0
P
i3
P
SH
-
H
C10
4
J
C)
QC
H
p
P)
P
H
HC
-
C
C
C) - C
C
P
F t- p pC
)
0 -h0P
(
C) o
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I
(D
0
r)
o N
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H
~~
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0
xa
qa
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2
0)
o
-C
D)
tcD
5~~
~~
~()
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C
~
-x
(D
(D 0
D
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(D
N)
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(
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ro
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shy
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- ~ --
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0)
o-0
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gttE
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o-
t(0
o-0~
0
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0-I
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~
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0
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-
0
5-
IL
q-~
0
gtc
I5
0
-1 d
02
jC
g-
(
0 o
1 z
(Dt
0-
-l 0
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0)
0
zC
C
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C
F
05
D1I
D
rJ
0
0
LrP
d0
0 0
I o -
fSJ
i ~ O
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s-5
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-
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1~
~~
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S
-I
I--I
Table - 5 Results of veri cat-on of zh t ar-et =rouc s jus on borrowers to m advances_ ere madedurin- tn-- rici rom_ 1-st 198 5e~t -er to 28- Yeru ry 1982
n 7 - - Ud IC - r 4-
e~ of----shy
lumber ouet oof ri77e size zorroers Previous survey cumulative2rTret rrour Lon-taret mroun COUD ors N o o
a 1 14 3 1 667 000 1000012 aneswar (lc jshahi) 21 15 7143 15 10000 0 0 7500 2500
21 Jh4igto (Jessore) 260 45 1731 42 9553 3 667 No loan was disburse during
this period78 Teb-nj 41 abna) 113 2C 1770 19 9500 1 500 10000 000 59 15 2542 11 73-53 4 2667 Function as not stabted dur
the neriod115 Ehomra -na) 68 15 2206 14 93-33 1 667 8900 1100
2 oe) 105 15 1500 15 10000 0 0 9000 1000 91 h hn C iriur) 212 32 15Cc 52 10000 0 0 10000 OCC
114 IFi ra t 15 2344 12 E000 5 2C00 No loan was disbursed during
the period90 Lca ra (- Io disbu-seent was d theaurn- above nentioned Tneriod 10000 000 77 - ia) 22 1500 35 10000 0 0 10000 000
(1) Sub ioi 114 220 1916 207 9409 13 591 94 6
Lowest - tio HOhes 1 o ICC9 Ovorall a 4-09
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
1641
1507
70
77
8333
10000
14
0
1667
()
9700
9000
rouD
300
100
()
b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
P1Kiik--anA
D3b
252
565
LO
4
1724
1522
40
48
10000
10000
0
0
0
0
10000
8900
000
1100
46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
ct
4
AP
O(
j~~
J ct
0H
ctP
0
0~
C
P0
P 0
01
PH
ct
pJ
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C)
H P
0
c
PP
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ct
vou 0
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0
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1
01
H
Oct
1-3
M
fshy
r
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l
W
oId
0
10
(D
(D
Itd
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G
) 0
0)
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040
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444
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~ -~~
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1 i
AL~
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0
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~~
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AA
AA
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0
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0
A
LL
A
4j)
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0
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LA
~ ~
~
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0
~ ~
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AA
L$A
tt
A
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) C
A)A
0t~
i
L
AL
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AA
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~ A
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AA
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7A
L
Aj
A
L0
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amp
1A
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f
ALLA
AA
A~
AA
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ALA
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CA
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A
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C
L
L
P
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AAA
~ A
0
A
j t
lAC
AC
s)A
A
L-
A-A
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AA
L
A
A
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LI
ZAA
A
A
A
LA
All
AI
AA
AA
A
L
A
~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
0 0
ItI
0 )Ct
0
(
TY
0
Al
--O
j
4~
C
lt-
Fi
t P
jI-
00~
0) Q
j d
) f
J
G)
P C
DO
H
ct
o (D
0)
(if 0
) if
-
4~
4
1ifl
ifif
0 0
V ct
0i~
i
ifif~
~~
~~
c
ifcI
0 0
fi
if~if
-shy
if
0f
f
~ -
4
pj~
x
f
44i
fj if
~ ~~
~ ~
~ ~
ct
i d
fi~
VA
ir
oi
iffi
f4
i~i
4
f h
~ ff
A
T
~( ~0
N
) J
O
4d
i
CD
f
9
f
if ~
f ~
~ii
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rljjj~
j~jj1
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0
~ ~
ampif5i
9 ~f
~~ifi
f 4 4i
f
Vl
4 if~
N~
f~i~O
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-n4
if
4 ifJ
DA
0 to
cf
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if~
( 0
0 0
00
00
0
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ct c
t 1
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0
1
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cct(
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p 0
flI
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ct0D
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n
~ ~L
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4 I1
2
t
co
J
J 0
It C
C
ct
CIC
I~C
I 0-
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j
(D c
t-C
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~~
7
C(
CI
C
I D
C~
~~
~~
~~
~~
~~
~~
~~
~~
~~
( C
U C
1
IC
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1
0
0
AC
~~
~~~~
~~~~
~~c
~ 3
i ri
-IC
C
4
C
AfC
O ~
4 C
V
I IJ
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~
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~C
Io
1gt
15
1
C
CC
C
4
~[4
(1
CC
1
aC
C
C5 0
C
C
L~
~
O
CC
C
I C
~
~1
~lII
IIC
I C
C
I 0
CIC
FC
i2
C
~C
CCC
~I ~
~~
I~
5C
CII
C
CC
C
~ ~
C
C
CI
F~
F
C
C
IC0
C
C
I C~
C
C C
~C
CC
SC
CC
Co
4
C-
~ C
JI 4
CIC
~
Q0
F
~~C
C
C
1C
~15
54
S15
4 C
C
0I
CC
5IC
4 ~
__t
II C
~IC
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IIC
Cgt
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OC
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~
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C
CC
1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
D0
S~~
) ~1
)y
~ ~
Apf~
~ -5
0
2l
(7~
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~
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D)~
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n
tdi
ci
ct
0 D
-(
D
~ C
4gt
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0
ro(D
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~ ~
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4
~ ~
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~ )-
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jl
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VQ
--
N)-
o
-A-~
4
dG
) 0
-J
4
A-C
N
-JO
shy
-0t
4
~ ~
44
r)
)~4
)-4~
-(
D
- p
4
(DC
shy
4~
4
---U
t
4
4
J
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~ -
-~
4c4
-4)
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-
shy
--
-
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7
i
Co
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O
Ishy~
~
4
~ 4
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0-
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4
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$7
0
0P
J
00
--)
shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
Table - 5 Results of veri cat-on of zh t ar-et =rouc s jus on borrowers to m advances_ ere madedurin- tn-- rici rom_ 1-st 198 5e~t -er to 28- Yeru ry 1982
n 7 - - Ud IC - r 4-
e~ of----shy
lumber ouet oof ri77e size zorroers Previous survey cumulative2rTret rrour Lon-taret mroun COUD ors N o o
a 1 14 3 1 667 000 1000012 aneswar (lc jshahi) 21 15 7143 15 10000 0 0 7500 2500
21 Jh4igto (Jessore) 260 45 1731 42 9553 3 667 No loan was disburse during
this period78 Teb-nj 41 abna) 113 2C 1770 19 9500 1 500 10000 000 59 15 2542 11 73-53 4 2667 Function as not stabted dur
the neriod115 Ehomra -na) 68 15 2206 14 93-33 1 667 8900 1100
2 oe) 105 15 1500 15 10000 0 0 9000 1000 91 h hn C iriur) 212 32 15Cc 52 10000 0 0 10000 OCC
114 IFi ra t 15 2344 12 E000 5 2C00 No loan was disbursed during
the period90 Lca ra (- Io disbu-seent was d theaurn- above nentioned Tneriod 10000 000 77 - ia) 22 1500 35 10000 0 0 10000 000
(1) Sub ioi 114 220 1916 207 9409 13 591 94 6
Lowest - tio HOhes 1 o ICC9 Ovorall a 4-09
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
1641
1507
70
77
8333
10000
14
0
1667
()
9700
9000
rouD
300
100
()
b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
P1Kiik--anA
D3b
252
565
LO
4
1724
1522
40
48
10000
10000
0
0
0
0
10000
8900
000
1100
46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
ct
4
AP
O(
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0
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01
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Oct
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3
LA
AA
~A
NA
A
~~~A
AAAA
AA ~ ~
AA
~
L ~
~
~~
~ ~
A
A
-A
AD
j LL
LA
U
IA
A
A
L
A
AA
A~
~1
0X
AA
0
CL
uA
A-
P
L
AA
A
L~ ~ ~
~A
A
IA~ A
~Act
~
~ ~
i2 ~
~ 0
AA
A~
AsA
IAC
AL
~ ~ ~
~
~ ~
--1L
~
dC
-~
~
~ A
1
A
fA
~
A~
A
~~~~~~
~~~c
A
o
L
~
AA
AA
L
AA
AL
A A
AA
A
A
~
A
~
~ 1
A~
A~
g
L~
i~L
00
1A
-A
A~
j ~
~
A
A J
iA ~
Q
A
A
Q
A
L
A
~ ~
A
A~
AA
J
Ao
~
fl~
~
AC
D
~j
A
~j~co
AN
AA
~
~ ~
LN
~~A
~ A
A
~
A~
AC
)LL~
0)L
0
-f
0
jA
L
~
A
A~
P
A~
~A
L
P~i
~ ~
~ A
-~
~ -~~
o
CA
)
LA
L
d
j A
A~
1 i
AL~
AC
0
-0
LA
~~
~4
AA
AA
AjA
Aj
A
0
A
0
A
LL
A
4j)
AA
1I
0
A
LA
~ ~
~
~ ~
~ ~
0
~ ~
~C
AA
L$A
tt
A
0l~
x(D
A
t~P
A~
~ ~
~
~ ~
~A~
A~
~~
) C
A)A
0t~
i
L
AL
A
A
AA
AA
~L
~i7
C
C
~ A
~
AA
A
AL
A0
A
7A
L
Aj
A
L0
AL
amp
1A
A
f
ALLA
AA
A~
AA
ALA
ALA
AA
AJA
CA
A
A
A
A
C
L
L
P
~AA~
AAA
~ A
0
A
j t
lAC
AC
s)A
A
L-
A-A
AA
~A
JA
AIA
AA
L
A
A
AA
~LA
CA
L~
LA
LI
ZAA
A
A
A
LA
All
AI
AA
AA
A
L
A
~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
0 0
ItI
0 )Ct
0
(
TY
0
Al
--O
j
4~
C
lt-
Fi
t P
jI-
00~
0) Q
j d
) f
J
G)
P C
DO
H
ct
o (D
0)
(if 0
) if
-
4~
4
1ifl
ifif
0 0
V ct
0i~
i
ifif~
~~
~~
c
ifcI
0 0
fi
if~if
-shy
if
0f
f
~ -
4
pj~
x
f
44i
fj if
~ ~~
~ ~
~ ~
ct
i d
fi~
VA
ir
oi
iffi
f4
i~i
4
f h
~ ff
A
T
~( ~0
N
) J
O
4d
i
CD
f
9
f
if ~
f ~
~ii
~ja
rljjj~
j~jj1
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0
~ ~
ampif5i
9 ~f
~~ifi
f 4 4i
f
Vl
4 if~
N~
f~i~O
fj
-n4
if
4 ifJ
DA
0 to
cf
P
if~
( 0
0 0
00
00
0
r1
ct c
t 1
~m 0
gtc
0
1
co
ID
cct(
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p 0
flI
S
ct0D
~
~
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O
n
~ ~L
ct0
4 I1
2
t
co
J
J 0
It C
C
ct
CIC
I~C
I 0-
CCF
j
(D c
t-C
CIC
CI~
~~
7
C(
CI
C
I D
C~
~~
~~
~~
~~
~~
~~
~~
~~
~~
( C
U C
1
IC
II)
C~
~C
fC
CC
IC
CC
CjI
~ N
~
0 3
1
0
0
AC
~~
~~~~
~~~~
~~c
~ 3
i ri
-IC
C
4
C
AfC
O ~
4 C
V
I IJ
C
~
11I
oC
C-u
CC
~C
Io
1gt
15
1
C
CC
C
4
~[4
(1
CC
1
aC
C
C5 0
C
C
L~
~
O
CC
C
I C
~
~1
~lII
IIC
I C
C
I 0
CIC
FC
i2
C
~C
CCC
~I ~
~~
I~
5C
CII
C
CC
C
~ ~
C
C
CI
F~
F
C
C
IC0
C
C
I C~
C
C C
~C
CC
SC
CC
Co
4
C-
~ C
JI 4
CIC
~
Q0
F
~~C
C
C
1C
~15
54
S15
4 C
C
0I
CC
5IC
4 ~
__t
II C
~IC
CI0
IIC
Cgt
~C
~ C
OC
lC~
~
C 1S
C
CC
1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
D0
S~~
) ~1
)y
~ ~
Apf~
~ -5
0
2l
(7~
~~
~
-c
D)~
~
~
n
tdi
ci
ct
0 D
-(
D
~ C
4gt
fl
HI
0
G)
C
IOti
l -
E
L))
0
ro(D
Co
w
0m
~ ~
~
N
~
-~
N~
~ ~
~
N~
)
4
~ ~
-~
~ )-
P
jl
D3
--2
0)
Qp
iP
~
~~
~C
-o
H
44
C~
0 ~f
l~
4--
K
-N
)~
WO
VQ
--
N)-
o
-A-~
4
dG
) 0
-J
4
A-C
N
-JO
shy
-0t
4
~ ~
44
r)
)~4
)-4~
-(
D
- p
4
(DC
shy
4~
4
---U
t
4
4
J
~H4
~ -
-~
4c4
-4)
--A
-
shy
--
-
I-~
7
i
Co
~
O
Ishy~
~
4
~ 4
~4 4~
0-
0L
4
~ ~f
$7
0
0P
J
00
--)
shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
----
----
----
----
----
----
----
----
----
---
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0
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) ci
ctz
0 ct
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w
W
t J
( i
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~
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0
P
cc P
0
p-L
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t ~
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ril~
H
-
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CD
c-
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2222
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02
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cmt ~0
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f
w
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t w
p~
f-ct P
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p ~
PP
tj
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0 P
0
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r-lt
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H-t
(I
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)
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1-1
-
2I
0
f
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r
lJ
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p-o
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0
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0 H
(Dn
In
0D(njN
W
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00(
l
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0
In
C~O(
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1-3s
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n $
0K
(D--
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0~~I
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-21
-
--t
I
I
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
t o7 r) -- bcrtoerS to ovcs ere ac 0- Fobruiry 1982
etaber are of jrnch (Outlt 1 o ocrro-ers
Same szeart N o No
BorrowersGroun Ion-target No
Group7
Previous JurvevCumulitive Target Group Non-target-jn
90
42 a
uralah(J~malrir)
dpu (rridur)
pound12
511
84
77
1641
1507
70
77
8333
10000
14
0
1667
()
9700
9000
rouD
300
100
()
b9 ot 224 42 1875 41 9762 1 258 9100 900 04 K
P1Kiik--anA
D3b
252
565
LO
4
1724
1522
40
48
10000
10000
0
0
0
0
10000
8900
000
1100
46 Nhulna (hu Ln) 125 19 1520 18 9L 74 1 526 -85 Tarsindi ( a c- 74 15 2027 15 10000 0 0 10000
_
000 V5 T ur-aon poundinur) 251 54 1472 34 10000 O 0 10000 000 65 aijdee Laazar Coa~hpoundi) 559 51 1504 48 9412 5 558 7000 3000 43 Mpaaripur (idpur) 556 5 15-2 5A 10000 0 0 10000 000 11 itajshnah (-4-jshani) 369 56 1518 56 10000 O- 0 9500 500 16 Kotwali (Paona) 376 73 194-I 71 97J 2 274 10000 000 17 otw~lj (Kusht-a) 509 47 1521 45 9574 2 426 10000 000 40 Kpratia (T -a4l) 295 44 14Q2 38 bull86S6 6 1564 10000 000 05 ib-nda (Hn-ur) 858 129 1503 122 94-57 7 543 9000 1000 73 Khadimnmi-ar 3yrlhet) This outlet has been drcpped out of operation -0 No loan was disbursed
(16) 6ub-total 16-4 82 1572 776 9557 36 443 during the oeriod
95 5 -G3 i Ii-e iJ Ratio 1CO z Overall Ratio 09557Standard Deviatior f Ir
ct
4
AP
O(
j~~
J ct
0H
ctP
0
0~
C
P0
P 0
01
PH
ct
pJ
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C)
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0
c
PP
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ct
vou 0
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0
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01
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Oct
1-3
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l
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(D
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) 0
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f
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A A
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0
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~ -~~
o
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)
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d
j A
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1 i
AL~
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0
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~~
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AA
AA
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Aj
A
0
A
0
A
LL
A
4j)
AA
1I
0
A
LA
~ ~
~
~ ~
~ ~
0
~ ~
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AA
L$A
tt
A
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x(D
A
t~P
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~
~ ~
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A~
~~
) C
A)A
0t~
i
L
AL
A
A
AA
AA
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C
C
~ A
~
AA
A
AL
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A
7A
L
Aj
A
L0
AL
amp
1A
A
f
ALLA
AA
A~
AA
ALA
ALA
AA
AJA
CA
A
A
A
A
C
L
L
P
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AAA
~ A
0
A
j t
lAC
AC
s)A
A
L-
A-A
AA
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JA
AIA
AA
L
A
A
AA
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CA
L~
LA
LI
ZAA
A
A
A
LA
All
AI
AA
AA
A
L
A
~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
0 0
ItI
0 )Ct
0
(
TY
0
Al
--O
j
4~
C
lt-
Fi
t P
jI-
00~
0) Q
j d
) f
J
G)
P C
DO
H
ct
o (D
0)
(if 0
) if
-
4~
4
1ifl
ifif
0 0
V ct
0i~
i
ifif~
~~
~~
c
ifcI
0 0
fi
if~if
-shy
if
0f
f
~ -
4
pj~
x
f
44i
fj if
~ ~~
~ ~
~ ~
ct
i d
fi~
VA
ir
oi
iffi
f4
i~i
4
f h
~ ff
A
T
~( ~0
N
) J
O
4d
i
CD
f
9
f
if ~
f ~
~ii
~ja
rljjj~
j~jj1
~4
0
~ ~
ampif5i
9 ~f
~~ifi
f 4 4i
f
Vl
4 if~
N~
f~i~O
fj
-n4
if
4 ifJ
DA
0 to
cf
P
if~
( 0
0 0
00
00
0
r1
ct c
t 1
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gtc
0
1
co
ID
cct(
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p 0
flI
S
ct0D
~
~
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O
n
~ ~L
ct0
4 I1
2
t
co
J
J 0
It C
C
ct
CIC
I~C
I 0-
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j
(D c
t-C
CIC
CI~
~~
7
C(
CI
C
I D
C~
~~
~~
~~
~~
~~
~~
~~
~~
~~
( C
U C
1
IC
II)
C~
~C
fC
CC
IC
CC
CjI
~ N
~
0 3
1
0
0
AC
~~
~~~~
~~~~
~~c
~ 3
i ri
-IC
C
4
C
AfC
O ~
4 C
V
I IJ
C
~
11I
oC
C-u
CC
~C
Io
1gt
15
1
C
CC
C
4
~[4
(1
CC
1
aC
C
C5 0
C
C
L~
~
O
CC
C
I C
~
~1
~lII
IIC
I C
C
I 0
CIC
FC
i2
C
~C
CCC
~I ~
~~
I~
5C
CII
C
CC
C
~ ~
C
C
CI
F~
F
C
C
IC0
C
C
I C~
C
C C
~C
CC
SC
CC
Co
4
C-
~ C
JI 4
CIC
~
Q0
F
~~C
C
C
1C
~15
54
S15
4 C
C
0I
CC
5IC
4 ~
__t
II C
~IC
CI0
IIC
Cgt
~C
~ C
OC
lC~
~
C 1S
C
CC
1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
D0
S~~
) ~1
)y
~ ~
Apf~
~ -5
0
2l
(7~
~~
~
-c
D)~
~
~
n
tdi
ci
ct
0 D
-(
D
~ C
4gt
fl
HI
0
G)
C
IOti
l -
E
L))
0
ro(D
Co
w
0m
~ ~
~
N
~
-~
N~
~ ~
~
N~
)
4
~ ~
-~
~ )-
P
jl
D3
--2
0)
Qp
iP
~
~~
~C
-o
H
44
C~
0 ~f
l~
4--
K
-N
)~
WO
VQ
--
N)-
o
-A-~
4
dG
) 0
-J
4
A-C
N
-JO
shy
-0t
4
~ ~
44
r)
)~4
)-4~
-(
D
- p
4
(DC
shy
4~
4
---U
t
4
4
J
~H4
~ -
-~
4c4
-4)
--A
-
shy
--
-
I-~
7
i
Co
~
O
Ishy~
~
4
~ 4
~4 4~
0-
0L
4
~ ~f
$7
0
0P
J
00
--)
shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
ct
4
AP
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0
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All
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~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
0 0
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0 )Ct
0
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TY
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4 C
C
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4 ~
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1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
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U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
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0
p
ct
ct
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tdi
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ct
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4
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shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
1)
C
I -E
A
AA
~C
L
i fo
I eL
~
ct
(I~h
L
H)
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AA
AA
AA
~~
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~ ~
o~
~ A
0
A
0
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AA
AA
A
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~
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
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Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
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P
P$
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0
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Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
Table - 9 Results of verifcicntion of the target -roun status of borrowers to whom advances were made
durin the oriod fro Tst 1381 to 2th Feb-uar-- 382
S-CXALI ATTK
Seamentunnnuber NaeofGr (O - t
Total oameoo f
borrowers Sam-iITO
size -sBorrowersagtGru
Target r ru o-trgeGo
Previous Survey CumulativeNon-tarr -
Target Group Grou-r 11o 0__ __ _ __ _
44 Thornia (Khuln) 228 45 1974 44 9778 1 222 10000 000 f
01 Sir-onj (Din ur) 182 24 1319 23 9585 1 222 6000 4000
80 Zilla 3orrd Jalalrur)(Ppbna) 219 32 1461 31 9688 1 222 9000 1000 103 ot u_-u_Ua (Chittaion-) 375 57 1520 39 6842 18 3158 8600 1400
104 lorfula 3azar hittn7on) 285 43 1509 35 8140 8 1860 6200 3300
68 Gouripur Bozar (Comilla) 253 59 1542 29 7436 10 2564 10000 000
79 Court Building (Rrjshahi) 102 16 1 69 16 10000 0 0 8000 2000
55 uiiarclhar (17ensin-h) 352 54 1534 32 5926 22 41-074 5000 5000
97 Fultala (Xhulna) No loan was disbursed durin9 the above mentioned period 5500 4500
56 Pirerhat (hittazon) 32 15 4688 7 4667 8 53-33 00
(10) Sub-2otrl 2028 325 1603 256 7877 6 2123 82 18
Lowest TG Rotio 4667- Hiighest TG Ratio IOCOClt Overall RFEP Ratio 78775
P
0
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O ~
4 C
V
I IJ
C
~
11I
oC
C-u
CC
~C
Io
1gt
15
1
C
CC
C
4
~[4
(1
CC
1
aC
C
C5 0
C
C
L~
~
O
CC
C
I C
~
~1
~lII
IIC
I C
C
I 0
CIC
FC
i2
C
~C
CCC
~I ~
~~
I~
5C
CII
C
CC
C
~ ~
C
C
CI
F~
F
C
C
IC0
C
C
I C~
C
C C
~C
CC
SC
CC
Co
4
C-
~ C
JI 4
CIC
~
Q0
F
~~C
C
C
1C
~15
54
S15
4 C
C
0I
CC
5IC
4 ~
__t
II C
~IC
CI0
IIC
Cgt
~C
~ C
OC
lC~
~
C 1S
C
CC
1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
D0
S~~
) ~1
)y
~ ~
Apf~
~ -5
0
2l
(7~
~~
~
-c
D)~
~
~
n
tdi
ci
ct
0 D
-(
D
~ C
4gt
fl
HI
0
G)
C
IOti
l -
E
L))
0
ro(D
Co
w
0m
~ ~
~
N
~
-~
N~
~ ~
~
N~
)
4
~ ~
-~
~ )-
P
jl
D3
--2
0)
Qp
iP
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~~
~C
-o
H
44
C~
0 ~f
l~
4--
K
-N
)~
WO
VQ
--
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o
-A-~
4
dG
) 0
-J
4
A-C
N
-JO
shy
-0t
4
~ ~
44
r)
)~4
)-4~
-(
D
- p
4
(DC
shy
4~
4
---U
t
4
4
J
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~ -
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-4)
--A
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shy
--
-
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7
i
Co
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Ishy~
~
4
~ 4
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0-
0L
4
~ ~f
$7
0
0P
J
00
--)
shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
----
----
----
----
----
----
----
----
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---
ct
ltH
o 0
k
N
0
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IP
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ctz
0 ct
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w
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t J
( i
OH
~
P)
0
P
cc P
0
p-L
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t ~
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-
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c-
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--0
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---
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~
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C
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2 0
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---
2-0
----
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--gt
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2I~
2
2222
22
2
2 j2
2
02
2 ~
lt-
~ ~
jA2
C-2
~~
4 2-
- 2
22
2---
----
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22
~
2I-
We
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--
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~Alt
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--
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PA
N-
2~
2-
~
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~ ~~
~~~~
~ 2
2~2
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PER
RI-~
~
15
cmt ~0
~ Q
shy
1
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q 0n
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ctI
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CD
f
w
w
0-
tD
c H
c
cc
0
t F
lD -
Il
t w
p~
f-ct P
H
M-H
t 3p
pLP
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m
P (D
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0
j cn
C
p
~
~ ~
j
k A
rP
(-)
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w
1-n
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1
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) 2
shy
4
-~
~ -
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t
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-~ ~
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v
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0
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cn
w
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4II
t
l
F-s
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tI H
t --
w
p
j
H
p ~
PP
tj
j 93
-d
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Idd~
ct
0 P
0
shy
j H -
cl
Fi
r-lt
0
H-t
(I
0IiF
~ N
H)
J1
0)
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n Y
n
1
02
c
4z
M
-Q
C)
-n
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~
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11
~--
JP
D
NC
-i-IB
F1
0)-
C ~
2~
2
N
)
$dI
--i
20 f
1-1
-
2I
0
f
0
r
lJ
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p-o
(DcD
1
HH
CD
0
I1I0
coa
0o-3
~
N
) ~
0 H
(Dn
In
0D(njN
W
j I
00(
l
(D
0
In
C~O(
V
2
1-3s
-~
f 5
2 ~
~ ~ K
I -
n $
0K
(D--
--
J
C)
0~~I
I k
-21
-
--t
I
I
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
P
0
0 0
ItI
0 )Ct
0
(
TY
0
Al
--O
j
4~
C
lt-
Fi
t P
jI-
00~
0) Q
j d
) f
J
G)
P C
DO
H
ct
o (D
0)
(if 0
) if
-
4~
4
1ifl
ifif
0 0
V ct
0i~
i
ifif~
~~
~~
c
ifcI
0 0
fi
if~if
-shy
if
0f
f
~ -
4
pj~
x
f
44i
fj if
~ ~~
~ ~
~ ~
ct
i d
fi~
VA
ir
oi
iffi
f4
i~i
4
f h
~ ff
A
T
~( ~0
N
) J
O
4d
i
CD
f
9
f
if ~
f ~
~ii
~ja
rljjj~
j~jj1
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0
~ ~
ampif5i
9 ~f
~~ifi
f 4 4i
f
Vl
4 if~
N~
f~i~O
fj
-n4
if
4 ifJ
DA
0 to
cf
P
if~
( 0
0 0
00
00
0
r1
ct c
t 1
~m 0
gtc
0
1
co
ID
cct(
D
p 0
flI
S
ct0D
~
~
~
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O
n
~ ~L
ct0
4 I1
2
t
co
J
J 0
It C
C
ct
CIC
I~C
I 0-
CCF
j
(D c
t-C
CIC
CI~
~~
7
C(
CI
C
I D
C~
~~
~~
~~
~~
~~
~~
~~
~~
~~
( C
U C
1
IC
II)
C~
~C
fC
CC
IC
CC
CjI
~ N
~
0 3
1
0
0
AC
~~
~~~~
~~~~
~~c
~ 3
i ri
-IC
C
4
C
AfC
O ~
4 C
V
I IJ
C
~
11I
oC
C-u
CC
~C
Io
1gt
15
1
C
CC
C
4
~[4
(1
CC
1
aC
C
C5 0
C
C
L~
~
O
CC
C
I C
~
~1
~lII
IIC
I C
C
I 0
CIC
FC
i2
C
~C
CCC
~I ~
~~
I~
5C
CII
C
CC
C
~ ~
C
C
CI
F~
F
C
C
IC0
C
C
I C~
C
C C
~C
CC
SC
CC
Co
4
C-
~ C
JI 4
CIC
~
Q0
F
~~C
C
C
1C
~15
54
S15
4 C
C
0I
CC
5IC
4 ~
__t
II C
~IC
CI0
IIC
Cgt
~C
~ C
OC
lC~
~
C 1S
C
CC
1
0 ~C
gtC
~~
I 0
11
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
-h
U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
-Ai
0
p
ct
ct
C
D0
S~~
) ~1
)y
~ ~
Apf~
~ -5
0
2l
(7~
~~
~
-c
D)~
~
~
n
tdi
ci
ct
0 D
-(
D
~ C
4gt
fl
HI
0
G)
C
IOti
l -
E
L))
0
ro(D
Co
w
0m
~ ~
~
N
~
-~
N~
~ ~
~
N~
)
4
~ ~
-~
~ )-
P
jl
D3
--2
0)
Qp
iP
~
~~
~C
-o
H
44
C~
0 ~f
l~
4--
K
-N
)~
WO
VQ
--
N)-
o
-A-~
4
dG
) 0
-J
4
A-C
N
-JO
shy
-0t
4
~ ~
44
r)
)~4
)-4~
-(
D
- p
4
(DC
shy
4~
4
---U
t
4
4
J
~H4
~ -
-~
4c4
-4)
--A
-
shy
--
-
I-~
7
i
Co
~
O
Ishy~
~
4
~ 4
~4 4~
0-
0L
4
~ ~f
$7
0
0P
J
00
--)
shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
r1
ct c
t 1
~m 0
gtc
0
1
co
ID
cct(
D
p 0
flI
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4 I1
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t
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I~C
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Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
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U
0
(D
C
CO
0
P
1
-b
P
0 m
PC
D
0~C
ct
0 o
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0
p
ct
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) ~1
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~ ~
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~ -5
0
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n
tdi
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shy
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
----
----
----
----
----
----
----
----
----
---
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o 0
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) ci
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0 ct
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
Table - 12
~EGTISV~IT0A12(21O 0~ 2712 0 BCY10ESAR~T OFP7T FROM WPON3COVEY WAS TITKELYTO BE I7ADE DURIJ- -HE -I71OD YrZO 1ST 8EPTE-1BBA 1981 O 28TH FEBRUARY 1982
ALL MODELS
ame of 2otal No Total No IT
odels of outlets of borrowers Samle Size ot-target GrouD n o~eration -- o Number Number
-qrani 9 2507 416 1659 327 7861 89 2139
BSBL 12 1672 385 2503 354 91-95 31 805 I RDP 13 1590 330 2075 284 8606 46 1794 Janata 11 14C0 313 2236 291 9297 22 703
B 16 3293 1222 1474 1165 9534 57 466 ba ia 1418 189 1357 176 9312 13 688
Rupali 7 1582 317 2004 3Q3 9558 14 442 Sonali 10 3348 516 15 -LI 396 7674 120 2326 -Jtt 4ra 5 468 153 2342 106 79)70 27 2030
All Banks 87 21_ gt221 1747 3402 8903 419 1097
Lowest Tl rgret rour Ratio 77 sest Tret 3roup tio QmC
Oerall REP Ratio 8903 Standard Deviation 1458
Excluding two outlet namely Balhur BSBL Court Chandpur(Jessore) Babuianj TCCA Barisal
(DU
)
~ 1
c
l
(1 -
t 1
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1
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Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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-21
-
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I
I
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
(DU
)
~ 1
c
l
(1 -
t 1
Ht
c2j
P
1
Pp
P
P$
g
j
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U
0
(D
C
CO
0
P
1
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P
0 m
PC
D
0~C
ct
0 o
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0
p
ct
ct
C
D0
S~~
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~ ~
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~ -5
0
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D)~
~
~
n
tdi
ci
ct
0 D
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~ C
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fl
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0
G)
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l -
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L))
0
ro(D
Co
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~ ~
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N
~
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)
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--)
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Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
Table 14Results of verification of the t i-e sazlus of borrowers from whom recoveyy wasto be likelymade curin- the from ist -etber 1981 to 28th Pebruar 1982
BSBL
uCl_ Totl moe size Target Group Non-target Group shy me ofO 1 of3borrowers No Number I Number U1
111
112
53
4abhayri
Y
1
UP7
(qar -
(Kushtia)
t-
a 1
iuha)
125
126
30
25
26
28
2000
2-)63
q533
20
20
23
8000
7692
8214
5
6
00
2308
1786 34
74
56
hih
Jhalr
laschir
C
uo
kuti (T n~
ia)
l)
16
500
235)
16
86
47
10000
2867
2045
16
81
45
10000
9419
9574
0
5
2
0
581
426 106 3ataz r aUOU(Baris n) 66 18 2727 17 9444 1 556 107
110
Jhalam
Dewera
()
(N)
L7cs
UbF2S
(Cosilli)
(Couilla)
284
59
40
11
1408
1864
40
10
10000
9091
0
1
0
909 109 Dewera (Mohila) TICPS (Comill) 270 54 2000 50 9259 4 741 11n
18
Jana ur (Jesr ore)
-o1p3S5(Kushtia)
157
9
25
9
1502
10000
23
9
9200
10000
2
0
300
0
(12) Sub-Total 1672 585 2303 354 995 31 805
Lo-es TG Ratio i1chest f Ratio Ove--all RFE Ratio
8000 1o0ouI 9195
Standard deviation 1185 Excluding one ou-tlet name 3alhur BSBL ourt 73handjur (Jessore)
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
----
----
----
----
----
----
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
Table -s 15Resuiof veri icat On f the target status of bo zrro ers - from
to be made during the period from 1st Sepemlber 1981 whom recoveryIRepe be 19 1 to 28th Februay w s l k l t 2 th eb 1982umber u ry 19 o
T l o of Samole 6ize -or
arget GroupKaiia Bcrrowerslt2CA (Dacca) oNumber1772(24) 27Eh5mri ampUf 1525(Dacca) 27 10000135 3499 2519audan i J 24(-cmilia) 7059 128 20-6C(70) houdd~rpm T6dA (C6 milla)
1563 15 750066 1(1- 15) Iator-e 2273 (Raj s ahi) 5 33-33
3054 37043urhnu 304in 2-A (3arisal) 419 10000
30(31) 65-urb-dariabad 15-51
(JarpDur) 60 9231204 3649 1765 Coralgj 9722TGA (Khulna 35
69 2582 3623hikr-a 19a (Jes re) 237 3093 alaroa 1266T(A (Khulna) 30 1000042 19 4524 1q 10000
86 Goprlpur26(27) TCUA alNJoydebpur TUCA (Dacca) 1951(52) Babu 19j TC(Harz sal) 100O0 13 10 M26710 7b92 10(15) 100006ub-total
1590 330 2075 284 8606 Lowest TG Ratio33Hihest TG Ratio Overall RF 1O0CY
Patio 86Standard 0- viation 1594 Ecludi-- one outlet namet D kIi Babuganj Toi (3ari sal )-A
ion-target UrouD
Number0 0
19 2941
5 2500
10 6667
0 0
5 769
1 278
6 2400
0 0
0 0
0 0
46 1394
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
Table-16 h 2ts of ver-ficaton of thie tarper status of _owes
from whom recovery was likely tbe made duri the f l shyio81 to 28th Febrausry 1982
Segment Total io of Sarle sizeNumber ame f outlet - Target Group NoZ-target -roupBorrowers z
oINumber
03
12
Pa-larir
Baneswar
(Ranpur)
(Rajshahi)
57
41
21
34
5676
893
14
33
6667
9706
7
1
35-33
294 21
78
Jhkarrzcha (Jessore)
Tebunia (Pabna)
260
146
45
30
1731
2055
42
29
9553
9667
3
1
667
333 105 Bhur~hata (Barisal) 59 15 2442 11 7333 4 2667 115 Bhroiarajur (Khulna) 105 25 2381 23 9200 2 800 28 Baidder Bazar (Dacca) 145 39 2727 38 9744 1 256 91 Khanklhanapur (saridcur) 234 42 1795 42 10000 0 0 114 rumira (ChittagonT) 64 15 244 12 8000 3 2000 90
77
Noapara (Sylhet)
Ba-mundi (Kushtia)
5
306
5
42
10000
1373
5
42
10000
10000
0
0
0
0
(11) Sub-o-al 1400 313 2236 291 9297- 22 703
Lowest TG R2tia 6667 Hiest G R-tio Overall R93PR~tio
10000 9297
Standard deviation 1512
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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-21
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I
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
Table-17 BKB
-S ction of the ta_ sus of borowers rom whom recovery was likely
to be made 4u-rin- the -eriod from st Seteber 1981 to 28th February 1982 --- Tarltet Urnup lion-target Group
Total No of Sizee izeSerment 1-e of rutlet mb er orrowers To Number -Number
1endah(ltjnr rpur) 811 112 13-81 97 8661 15 13-39
712 102 1455 99 90b 3 294 2 Frirur)
6 Kotwali (Kymenshirh) 299 52 1739 gt0 9b1gt 2 385
1468 53 10000 0 0 u4 Kotwnl (Raur) 361 55
2kqoj ( cca) 543 61 12b0 78 9630 5 370
) 253 57 1588 3b 9730 1 2704bh-r
5gt 1528 gt4 9818 1 t 8 a -- (Dacca) 360 182
7gt Thakur=aon(Din jour) 585 gt4 1403 54 10000 0 0
467 76 1627 b9 909 7 921b5 rniiee rnrrr (zcoli)
78 1298 8 10000 0 04 -bnid501
1 1101404 V0 989011 a rhaii 1Rjshahi) 648 91
475 84 1-E8 b2 9762 2 e3816 Yotai _abn) 17 _-otaa_ (iu) 68b 104 1512 102 98U8 2 192
gt9 8b76 9 1324 Karatia 4aryii)408 b8 166740
970 139 1453 131 9424 8 576 _ltarur)U5 aibxlnd rl 3 83373 ahiin-r i gtlht) 232 36 1552 33 9167
1165 9554 57 46b8293 1222 1L 74(16) Sub-Tota
Lowest -- - -
L3 s t o~Hiigheszt Eio
Overall RFEP Ratio 9554 Str i d d - rpt ior
e
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
Results of verification of the tar-et status of borrowers from whom recovery was likely to be made during the period from Ist September 1981 to 28th February 1982
PUBALI BATNK
Se entNumber Total No of Saumnle size Target Groupme of Outleoroer Non-target Groupme fOul Borrowers _o Number T Number O
09 Shatihat (Rajshahi) 178 53 1854 35 10000 a 0
38 Elienqa Tnail) 286 56 1958 56 10000 0 0
50 Babuqanj (Barisy) 219 41 1965 37 8605 6 1595
67 Shahabajpur (Comilla) 535 57 1701 50 8772 7 1228
(04) Sub-Total 1018 189 1S57 176 9312 13 688
Lowest TG Rntio s Highest TG Ratio IOOC Overall fFEP Ratio 9312 Standard deviation 1346
----
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Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
----
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I
I
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
15
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-21
-
--t
I
I
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
Results of ve-rification of the likely to De Made the
Tabi1 e-21
tr-- --s ro brrowers _irf ro-Septe-emiber
from 1981 to
whom recovery was 28th February1982
UTTAPA BANK
Semert eofouletTota m- of outlet umt)e
87 Atia (Targai)
STotal N o of
Borrowers 83
--- -TargetS~i-le size-ST C
o 4 25 3012
Number 18
iroup
T 7200
ion-target
Number 7
Troup
800
39 Tan7aii (Tangail) 57 15 2632 8 53-33 7 4667
64 Feni (Noakhali) 161 33 2050 30 9091 3 909
35 Iy-mensin-h qo 40 4444 8250 7 1750
25 foydebpur Bazar Dacca) 77 20 2597 17 8500 3 500
(05 3ub- Total 13 2842 106 7970 27 2030
uoest TG Ramp-io 1ichest 7TG Ratio Overall REEP Ratio Standard deviation
5 9091 797amp 1409
