Efficiency in Social Business Operations: Comparison between Grameen Bank and ASA by Abdullah Mohammad Sharif , Samia Islam, Scientific Research Journal (Scirj), Volume V, Issue VI, June 2017 Edition

Scirj Volume V, Issue VI, June 2017 Edition
ISSN: 2201-2796

Efficiency in Social Business Operations: Comparison between Grameen Bank and ASA

Abdullah Mohammad Sharif , Samia Islam

Abstract: Advancement in socio economic condition of a country is very important for the people living therein. Initiatives by government and organization are crucial here. Bangladesh being a developing country has got huge attention of the whole world in this respect. Individual and organizational actions can change the course of life of people of a country. In Bangladesh there are several organizations that work for the social and economic development of individuals. Grameen Bank and ASA are two such organizations. The study aims to compare efficiency of the organization in term of business portfolio, outreach operation, number of members and financial ratios. Mainly secondary information from annual report was used. It was found that business portfolio of ASA is more diversified than Grameen Bank while operating expense ratio and portfolio at risk ratio of the organizations is quite similar. Grameen Bank has a falling ROE whereas ASA has an increasing ROE. ASA is improving rapidly in amount of loan disbursed but slowly in portfolio per loan officers. Total number of Grameen Bank’s branches is less than ASA but members are more. It is required that Grameen diversifies their portfolio and concentrates more on increasing their operations through more branches.

Reference this Paper: Efficiency in Social Business Operations: Comparison between Grameen Bank and ASA by Abdullah Mohammad Sharif , Samia Islam published at: "Scientific Research Journal (Scirj), Volume V, Issue VI, June 2017 Edition, Page 52-60 ".

Search Terms: Business Portfolio, Ratio Analysis, Loan Disbursement and Recovery, Microfinance, Social Sustainability, Social Entrepreneur, Social Businesses

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