"Bangladesh is the Mother of Micro Investment
Micro Investment is the Order of the World"

Dear Members and Employees,
As we reach the end of the fiscal year 2022- 2023, I stand with immense pride to declare that our micro finance co-operative bank has not just survived, but thrived, amidst the turbulent global recession. I cannot express enough gratitude to every single one of you who has devoted tireless effort to ensure our members receive unparalleled service and support.

Let’s acknowledge this undeniable truth: our success would have remained a distant dream without the unwavering trust and support of our members, coupled with the relentless dedication of our exceptional employees. Your hard work and commitment to our mission are the bedrock of our remarkable achievements and unprecedented growth. Even in the face of a pandemic that shook the world, our members’ resilience and determination to meet their financial obligations, combined with the professionalism and care shown by our employees, have been truly awe-inspiring.

In times like these, we find wisdom in the words of Nelson Mandela, who proclaimed, “It always seems impossible until it’s done.” The very existence of our micro finance co-operative bank is a testament to the fact that with hard work, determination, and an unwavering commitment to excellence, we can surmount the most daunting challenges.

Let us take immense pride in our members, whose entrepreneurial spirit and tenacity have not only built their businesses but have also improved their livelihoods. They are the lifeblood of our microfinance institution, and their triumphs are undeniably ours as well. Equally deserving of applause are our employees, who have worked tirelessly, serving as guiding lights to our clients, helping them achieve their aspirations.

Together, we have weathered the storm of the pandemic, emerging stronger and more resolute than ever in our mission to provide financial inclusion and empowerment to the underprivileged. As we march forward, united in purpose, let us remember the wisdom of Lee Kuan Yew, the former President of Singapore, who proclaimed, “Good governance is the hallmark of Singapore’s success.” His legacy of prosperity through strict and ethical governance serves as a guiding beacon for us. We must draw inspiration from his example to ensure that our micro finance co-operative bank operates with utmost integrity and transparency.

It is our solemn duty to uphold the highest standards of ethical behavior in all our interactions and continue offering our members the finest financial solutions and services. As we gaze into the future, let us stand together, hand in hand, determined to build a brighter and more prosperous tomorrow for our members and the communities we serve. I hold steadfast confidence that with our collective efforts, we shall achieve greatness beyond measure.

I would like to end with a few loved verses from the great poet Rabindranath Tagore:



Thank you, from the depths of my heart, for your continued commitment and unwavering dedication to our micro finance co-operative bank.

Sincerely,


Group Captain (Retd)
Abu Zafar Chowdhury, psc, GD(P)
Chief Adviser