Bangladesh Bank alignment Why now Sequence Pilot route Economics Proof
Bangladesh Bank-aligned rural finance

Meet rural finance priorities without lending blind.

Cultivera builds verified field relationships through community investment. AamarTaka powers account onboarding. Banks gain the field records, account activity and usage signals needed before any credit decision is considered.

View BB alignment See the sequence
Mandate fitPriority segments reached through verified field routes.
Account qualityOnboarding follows participation, not cold acquisition.
Credit disciplineExposure waits for usage, need and policy fit.
Bangladesh Bank alignment

Transform mandates into yield.

Stop treating central bank quotas as compliance burdens. We provide the exact field verification and digital trails required to safely leverage BB's concessional liquidity.

Strict Regulatory Posture All product design, pricing, and eligibility criteria are mapped directly to the latest Bangladesh Bank circulars to ensure seamless audit compliance.
Mandates you must meet

  • Tk 39,000 Cr Agri Target

    Hit your mandatory FY26 agricultural credit quota without resorting to blind volume origination or risky NGO wholesale lending.

    Avoid 2% BBADCF penalty

  • The 50% Direct Rule

    BB mandates 50% of agri-credit must bypass NGOs. We convert your passive agent network into fully compliant, direct origination hubs.

    Maximize agent ROI

  • 15% Women’s SME Quota

    Fulfill mandatory inclusion quotas via our pre-vetted Women Producer routes, ensuring pristine documentation for compliance audits.

    Secure 1% BB cash incentive
Facilities you can unlock

  • 4% Refinance Windows

    Access the Tk 10,000 Cr Food Security Fund. We gather the exact crop hypothecation and end-use proof needed to pass BB audits.

    Expand net interest margin

  • CMSME Credit Guarantee

    Package marginal portfolios with verified account activity and monitoring trails to successfully secure 80% default protection from the BB CGS.

    Reduce NPL provisioning

  • Collateral-Free Limits

    Safely utilize BB's Tk 5L crop and Tk 25L women's uncollateralized limits by substituting physical deeds with verified behavioural data.

    De-risk unsecured lending
The visibility gap

Credit models struggle when the field is hard to see.

Banks are asked to reach rural enterprise, but many viable households, producers and small firms remain thin-file borrowers. Cultivera helps banks see more of the real economy before deciding where finance is appropriate.

1.17 Creconomic units show a wide and fragmented enterprise base.
95%+micro and cottage units make conventional credit treatment difficult to scale.
85.89%of economic units reported insufficient capital as a major constraint.

The Agent Banking Paradox

Current national agent network utilization

Rural Deposits Mobilized Tk 42,632 Cr
Rural Credit Disbursed (24.5% ADR) Tk 10,467 Cr
Without a verifiable field layer, rural deposits are extracted to fund urban portfolios rather than local enterprise.
Risk-aware sequencing

Build the relationship before the exposure.

The pilot follows a clear sequence: create community value, open accounts in context, observe usage evidence, and only then assess whether credit is appropriate.

01

Anchor in community.

Earn trust and participation through a practical field programme before discussing accounts.

02

Open accounts in context.

AamarTaka’s API onboards users; Cultivera’s field officers resolve document gaps and KYC friction.

03

Track usage.

Monitor first deposits and activity to build an active digital footprint and usage history.

04

Protect credit.

Sanction loans only when transactional usage, repayment capacity, and Bangladesh Bank policy fit are clear.

Pilot route

Start with one clear corridor.

Select one community pathway and cultivate specific, verified behaviours.

Recommended pilot

Women producer groups

Use a women-led producer programme as the anchor. The account journey begins with group participation, verified identity, and repeat field engagement.

AnchorAdvisory sessions and group routines.
AccountOnboard during a programme touchpoint.
SignalSmall savings habit and verified activity.
Indicative unit economics

Lower fixed cost. Better field visibility.

Use a branch-light pilot model to test account quality, field cost and potential contribution before scaling. The assumptions below are indicative and should be finalised with the bank’s pricing, facility eligibility and Bangladesh Bank circular terms.

Credit is not assumed at account opening. The calculator becomes relevant only after usage review, capacity assessment and policy-fit approval.
Total Target Portfolio Tk 3.6 Cr
Cultivera Cost: --% Bank Margin: --%
Indicative gross support / spread
Illustrative only (assuming 6% target spread/subsidy)
Tk 21.6 L
Cultivera Variable Cost
Tk 1.5k Acq + Tk 200/mo Mon + 1.5% Success
Tk 17.1 L
Indicative contribution margin
Branch-light, risk-screened model
Tk 4.5 L
Proven Execution

Built on trusted field execution.

Relevant experience with bank-linked community investment, rural engagement, and sustainability delivery.

Agricultural field route

NCC Bank

Rural engagement supporting account opening and producer verification.

Community investment route
Fresh produce and local supply

City Bank

Household programme design connecting nutrition, women, and local supply.

CSR-linked field system
Rural road and field landscape

Standard Chartered

Sustainability programmes connecting institutional intent with field delivery.

Sustainability support
Strategic Governance

Information before exposure.

The bank monitors field progress, account quality, and transactional usage signals long before assuming any credit risk.

WeeklyLedger reviewOnboarding count, document gaps, and community issues.
MonthlyUsage reviewFirst deposit, payment behaviour, and active accounts.
QuarterlyCredit gateAssess finance only after usage, capacity, and policy fit.