Study on Comprehensive Rural Finance

April 25th, 2023 by

Under an agreement with Bangladesh Bank, InM is conducting a study on ‘Comprehensive Rural Finance’. 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.

Based on the survey outcomes, several policy papers will be produced by InM depicting future rural transformation and the role of Bangladesh Bank in ensuring inclusive rural transformation. 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 national 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.

Among others, the study will provide a comprehensive review of the past and existing policies on rural finance introduced by the Government of Bangladesh and 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 transform 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 inclusive rural transformation. It will also 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.

Further, the study 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 sectors 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 Bangladesh Bank for sustained and inclusive rural development in Bangladesh.

At present, InM has finalised all the questionnaires and FGD checklists in consultation with Bangladesh Bank and relevant experts. The field survey will start in April 2023. 

Your urgent attention please! 

July 3rd, 2022 by

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.

Relocation of InM Office

March 27th, 2022 by







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!




Workshop on Professional Development

November 18th, 2021 by

For the WCAD Programme participants, InM organised a workshop on ‘Professional Development’ during 17-18 November 2021. A total of 26 Senior Professionals from 10 WCAD partner MFIs attended the Programme. The main objective of the workshop was to discuss the emerging issues that the partners were facing in implementing the WCAD Programme at the field level along with potential solutions to overcome the challenges and ensure smooth implementation of the Programme. In the workshop, the participants from different partners openly shared their experiences at the field level in implementing the WCAD Programme including the adopted client selection strategy, client awareness measures, required technical support for programme implementation, monitoring and evaluation mechanism of the programme, research and impact evaluation, and the comprehensive reporting system adopted under the Programme. The Workshop provided a fruitful forum for interaction and mutual exchange of implementation experiences of the WCAD Programme, learn from each other, and adopt a comprehensive approach in implementing the Programme. The concerned professionals from InM and also attended the workshop.

New Training Modules and Training Programmes

October 27th, 2021 by

The Education and Training Division has recently prepared two new training modules on ‘Training of Trainers (TOT) on WCAD Programme Implementation’ and ‘WCAD Programme Implementation at the Field Level for the Branch Managers/Senior Staff of Partner MFIs’. Using these modules, online TOT programme for 20 Master Trainers of 10 partner MFIs was conducted during 5–9 September 2021. Among others, the module covered SDG6, planning for safe water supply and hygienic sanitation, effects of climate change on water supply and sanitation, features of the WCAD model, monitoring and evaluation of water and sanitation credit disbursement techniques, training methods and materials for WSS programme, and other aspects of water and sanitation loan products. 

The programme was followed by virtual daylong trainings on WCAD Programme Implementation at the Filed Level for the Branch Managers/Senior Staff of Partner MFIs in which a total of 1,040 participants attended. The main contents covered planning for safe water and sanitation, features of WCAD model and its implementation, issues in health and hygiene relating to WSS, role of household members in ensuring safe WSS, and other aspects of sustainable water supply and sanitation at the household and community level.