InM News

July 3, 2022

Your urgent attention please! 

This is for information of all concerned that the Office of the Institute for Inclusive Finance and Development (InM) is located at the following address with effect from 01 July 2022:

InM Office
8th Floor
Chetona Tower
274/4 Monipur (60 Feet Road)
Mirpur -2, Dhaka-1216.


 All mobile numbers remain unchanged. Please contact InM at the new address.

We thank you profoundly for your kind support and attention.



Policy Papers using Comprehensive Rural Finance in Bangladesh

Under an agreement signed between Bangladesh Bank (BB) and InM, a ‘Comprehensive Rural Finance Survey’ will be conducted by InM with support from BB. Based on the survey outcomes, several policy papers will be produced by InM depicting future rural transformation and the role of BB in ensuring inclusive transformation.

The agreement was signed on 17 May 2022 at the Bangladesh Bank Head Office, Motijheel C/A Dhaka. In order to accomplish the broader goal of providing credible research support for designing rural finance policies and institutional reorganisation (as necessary) by the Bangladesh Bank and the policy makers to support the long-term policy agenda of transforming Bangladesh to a high income country (HIC) by 2041, the study will undertake a number of specific tasks and perform several responsibilities in line with the Terms of References (ToR) of the study.

The study will undertake a comprehensive national household level field study/survey in the rural economy on the country’s rural financial system (RFS) and collect sample data (both quantitative and qualitative) on financial products and services, such as savings, credit, payments, insurance, microfinance etc. from both formal and informal sectors of the rural economy.

It will provide a comprehensive review of the existing policies on rural finance introduced by the Government of Bangladesh and the Bangladesh Bank and suggest new policies and amendments of existing policies, as needed.

Further, the study will identify sector- and region-level potentials and occupational dynamics at the grassroots level of the rural economy and suggest policies to transit Bangladesh to a HIC by 2041.

It will explore the financial-rural sector nexus in the rural economy and identify dominant rural growth drivers in support of rural transformation.

The study will examine the extent, channels and other dimensions of net resource transfer from the rural to the urban areas through the financial sector institutions and assess their implications for rural growth and development.

It will assess the extent of availability of financial resources from different financial sources and the supply-demand gaps that exist for specific activities in both farm and nonfarm sector in the rural economy and their development implications.

The study will also examine the extent of penetration of digital (and other modern) financial services in terms of various household groups and enterprises in the rural economy and their implications for growth and development.

In short, the study will provide evidence based inputs for framing effective policies by the Bangladesh Bank for sustained and inclusive rural development in Bangladesh.



May 22, 2022

InM signs Agreement with Bangladesh Bank

InM has signed an agreement with Bangladesh Bank (BB) for conducting a study on ‘Comprehensive Rural Finance’. The agreement was signed on 17 May 2022 at the Bangladesh Bank Head Office, Motijheel C/A, Dhaka.

Dr. Farhana Nargis, Research Fellow, InM and Mr. Md. Golam Mostafa, General Manager, Human Resources Department-1, BB signed the agreement on behalf of their respective organisations. Dr. Mustafa K Mujeri, Executive Director, InM; Mr. Md. Kazi Saidur Rahman, Deputy Governor, BB; Mr. Serajul Islam, Executive Director, BB; Dr. Md. Ezazul Islam, General Manager, Chief Economist’s Unit, BB; Dr. Md. Habibur Rahman, Chief Economist, BB; Mr. Mahbubur Rahman, Joint Director, BB; Mr. Md. Nahid Parvej, Deputy Director, BB; Mr. Shakil Ezaz, Deputy General Manager; Ms. Nahid Akhter, Senior Research Associate, InM and Mr. Farish Abdullah, Senior Assistant Director, InM were also present in the signing ceremony.

Mr. Md. Kazi Saidur Rahman, Deputy Governor, BB welcomed Dr. Mujeri and his team. He said that in order to accomplish the broader goal of providing credible research support for designing rural finance policies and institutional reorganisation by the Bangladesh Bank and other policy makers in support of the long-term policy agenda of the government for transforming Bangladesh to a high income country by 2041, this study will be a very timely and useful one.




March 27, 2022

Relocation of InM Office







Office notice: 

We are glad to inform that the office of the Institute for Inclusive Finance and Development (InM) has been relocated at the following address with effect from
27 March 2022:

House #50, Road #8, Block-D, Niketon, Dhaka 1212, Bangladesh

Phone: +88-01729072881
Email: (unchanged)

 Please contact InM at the new address. Thank you for your kind attention and support!






January 25, 2022

In-Country Exposure Visit under WCAD Programme

InM, in collaboration with, implemented an in-country exposure visit during 12-13 December 2021 in Rangpur and Thakurgaon districts which was participated by InM’s WCAD partner organisations. As a part of learning and gaining field-level operational experience on the WaterCredit Adoption (WCAD) programme, the exposure visit was organised by InM. It may be mentioned that the WCAD programme is currently being implemented by InM. Two successful partners of namely TMSS and RDRS were selected for the visit. These two partners are successfully implementing the WaterCredit programme for several years through which they have gained useful experience to share with other partners.









Under the WCAD programme, the participant partner organisations included IDF, SETU, BASA, BEES, CODEC, PMUK, SFDW, CDIP, DISA, and SDC; two senior staff from each partner participated in the exposure visit. InM facilitated the visit for creating opportunities for mutual learning by WCAD partner MFIs through which the partners got an opportunity to share their ideas and experiences regarding challenges and practical measures that could be adopted to facilitate effective implementation of the WCAD programme.


The objective of the visit was to learn WASH activities of partners, types of water and sanitation products being adopted in the plain land, awareness raising and borrower selection process, area selection criteria, loan disbursement process and related activities, WaterCredit loan celling, technical assistance, staff and beneficiaries training and capacity building process, water and sanitation product installation and maintenance process etc. In addition, RDRS and TMSS WaterCredit programmes were also discussed and on-sight visits were made to the programme areas.  For InM, the aim was to create a strong bridge among the partner organisations so that all MFI partners could gain practical knowledge, ideas and experience from successful partners of

During the exposure visit, the participants attended group meetings, courtyard sessions, and visited households to observe WASH interventions and share experiences of the borrowers. During the discussion sessions in the Kobirajhat branch of RDRS in Thakurgaon and Bhabanipur branch at Badorgonj of TMSS in Rangpur, overall implementation process and achievement of the programme, challenges in implementing WaterCredit programme, strategies to overcome the challenges, threats and opportunities, programme monitoring and evaluation process, programme outcomes/impacts, reporting system etc. were discussed.

Furthermore, the participants also gained experience from classroom trainings/visits, discussion with branch managers on WSS loan disbursement process, with field officers on programme monitoring, with higher officials about management strategies and feedback, opportunity of WaterCredit programme etc. A total of 20 participants from InM WCAD partner MFIs participated in this exposure visit which enabled them to gather useful field level experience on overall WaterCredit programme implementation. With successful ending of the visit, the participants seem to have instilled useful motivation and practical knowledge to adopt new leanings to implement and achieve the WCAD programme goals for respective organisations.



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