Microcredit Program

Social Upliftment Society (SUS) is a women-led Non-Political, Not-for-Profit and Non-Governmental Organization (NGO) which formally started its journey in the development sector of Bangladesh in the year of 1990 with an aim of improving the socio-economic condition of the disadvantaged and under privileged people with a clear focus on women empowerment.

Jagoron

Jagoron, a transformative credit initiative of the Social Upliftment Society (SUS), is designed to foster sustainable, household-based enterprise development across both rural and urban communities of Bangladesh. The program aims to empower economically marginalized individuals by offering them access to financial services that can help them build and grow small-scale businesses, thereby enhancing their income and improving their quality of life. Initially, the focus of SUS’s financial support under the Jagoron program was directed solely toward rural households, recognizing the significant potential for entrepreneurship within village settings. Over time, however, the initiative evolved to address the needs of the urban poor as well. This expansion marked a vital step toward inclusive development, ensuring that families in densely populated city areas could also benefit from income-generating opportunities. Jagoron not only provides financial assistance but also promotes self-reliance and resilience among its participants. By encouraging small-scale ventures — such as livestock rearing, handicrafts, tailoring, grocery shops, and other home-based businesses — the program helps families move beyond subsistence living and establish steady economic foundations. SUS emphasizes long-term support through its partner organizations, which guide beneficiaries with essential training, business planning, and follow-up services. Through Jagoron, the Social Upliftment Society (SUS) envisions a Bangladesh where poverty is not a barrier to potential, and where every household has the tools and opportunities to build a better, more dignified future.

Agroshor

Agroshor is a dynamic credit program of the Social Upliftment Society (SUS), specially crafted to support aspiring and existing entrepreneurs in scaling up their business ventures. Designed to serve individuals who have already taken steps toward self-employment or enterprise development, Agroshor focuses on nurturing businesses that range from small start-ups to medium-sized operations, with the potential for significant growth. Unlike traditional microcredit, Agroshor targets individuals with prior business experience or a clear plan for enterprise expansion. Whether it’s a family-run retail shop, a mid-scale agro-based business, a manufacturing unit, or a service-oriented enterprise, the program offers tailored financial support that aligns with the diverse needs of enterprising individuals. Through this initiative, SUS not only extends credit but also builds the entrepreneurial capacity of its beneficiaries. The program promotes structured business development by enabling access to larger loans, business advisory services, market linkages, and skill development opportunities. It empowers entrepreneurs to upgrade equipment, hire additional workers, expand production, or explore new markets — ultimately generating more employment and contributing to local economic growth. Agroshor embodies the belief that with the right support, small business owners can transform into strong, sustainable enterprises. By investing in local entrepreneurs, the Social Upliftment Society (SUS) helps foster an ecosystem of innovation, self-sufficiency, and economic resilience across both rural and urban Bangladesh.

Buniad

A significant segment of the population—those living in extreme poverty—has long remained outside the reach of traditional microcredit services. This exclusion is rooted in a range of complex factors, including self-exclusion due to a lack of confidence or awareness, social exclusion resulting from discrimination and marginalization, and institutional exclusion where financial systems fail to accommodate the unique needs of the poorest. Recognizing these deeply entrenched barriers, the Social Upliftment Society (SUS) initiated a dedicated microcredit program designed specifically for the extremely poor. This initiative aimed to bring into the fold those who had been consistently overlooked by conventional financial services. The program, now known as Buniad, focuses on enabling the most vulnerable individuals—those who often struggle to meet even their basic needs—to take the first step toward economic inclusion. Buniad is built on the understanding that poverty is not just a lack of income, but a lack of opportunity, voice, and access. Many of these individuals live in fragile socio-economic conditions, which erode their sense of initiative and self-worth. Through Buniad, SUS provides small-scale financial assistance combined with strong motivational support, capacity building, and guidance to help participants rebuild confidence, develop life skills, and gradually engage in income-generating activities. Rather than expecting immediate entrepreneurial performance, Buniad works at the grassroots level—nurturing personal development, encouraging resilience, and fostering hope. By doing so, the Social Upliftment Society (SUS) ensures that even the most disadvantaged members of society are not left behind in the journey toward sustainable development and self-reliance.

Sufolon

The Sufolon program, initiated by the Social Upliftment Society (SUS), is a specialized financial initiative designed to support the diverse and time-sensitive needs of marginal and small-scale farmers across Bangladesh. Recognizing that agricultural livelihoods are heavily influenced by seasonal cycles and varying cash flow demands, SUS developed this program to bridge critical financial gaps faced by farmers throughout the year. Sufolon emerged from the realization that traditional credit structures often failed to accommodate the unique realities of agricultural activities. Many small and marginal farmers require flexible and timely financing to invest in crop cultivation, livestock rearing, fisheries, agro-forestry, and agro-processing. Without access to such support, they are often forced to rely on informal lenders who charge exploitative interest rates, leading to cycles of debt and distress. Through Sufolon, SUS offers customized loan products that align with the seasonal nature of farming. This includes short-term and mid-term credit facilities that allow farmers to purchase inputs such as seeds, fertilizers, equipment, feed, and other essentials exactly when they are needed. The program ensures that repayments are structured to match the harvesting and income-generating periods, easing financial pressure on borrowers. In addition to financial services, SUS also provides technical guidance and capacity-building support to help farmers improve productivity, adopt modern practices, and explore value-added agricultural activities. This holistic approach has significantly boosted rural investment in income-generating activities (IGAs), contributing to improved food security, rural employment, and economic stability. Sufolon has thus become a powerful tool for agricultural transformation, enabling smallholder farmers to grow from subsistence-level operations into commercially viable enterprises. Through this program, the Social Upliftment Society (SUS) continues to play a pivotal role in advancing inclusive and sustainable rural development.

Address:

Head Office: C-25, Jaleswar, Shimultala, Savar, Dhaka-1340

Phone No:

88-02-77446229, 88-02-7742403

Email :

sushelp360@gmail.com