[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-252790-105":3,"detail-sidebar-cat-1-en-105":81,"doc-detail-252790-en":126},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","facilitating-digital-payment-and-credit-services-for-micro-merchants","Facilitating Digital Payment and Credit Services for Micro Merchants","","Merchants’ Development Driving Rural Markets (MDDRM) is an EU-funded initiative supporting SHIFT SAARC to strengthen rural livelihoods and reduce poverty across SAARC countries. In Bangladesh, it focuses on Sirajganj, Tangail, Jamalpur, and Sherpur, targeting 10,000 micro-merchants through market-based facilitation. Evidence from micro-merchant surveys highlights limited access to credit and supports a business solution enabling integration and adoption of digital payments within FMCG supply chains. The model uses credit scoring and partner-enabled services to digitize the merchant value chain, improve adoption of financial services, and expand access to formal credit while supporting working capital and digital transaction outputs.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/presentations/","Presentations",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/facilitating-digital-payment-and-credit-services-for-micro-merchants/252790/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/facilitating-digital-payment-and-credit-services-for-micro-merchants/252790.png","ImageObject",442,249,{"name":42,"@type":43},"Graffin","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-27","2026-09-13",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",14,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What is the goal of the MDDRM and SHIFT SAARC initiatives?","Question",{"text":63,"@type":64},"They aim to improve livelihoods and reduce poverty by facilitating digital payment and credit services for micro-merchants, digitizing merchant supply chains, and increasing use of digital financial services.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"Which Bangladesh districts are prioritized, and how many micro-merchants are targeted?",{"text":68,"@type":64},"Interventions focus on Sirajganj, Tangail, Jamalpur, and Sherpur, targeting 10,000 retail micro-merchants.",{"name":70,"@type":61,"acceptedAnswer":71},"How does the business model support credit access for micro-merchants?",{"text":72,"@type":64},"It enables payment through Bank Asia and uses alternative credit scoring, helping micro-merchants earn additional revenue, preserve financial statements, and access formal credit opportunities.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},252790,1791480490,{"code":4,"msg":82,"data":83},"success",[84,88,93,97,102,107,112,117,122],{"id":85,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":86,"slug":87},11,90,"presentations",{"id":89,"doc_module":22,"doc_module_name":25,"category_name":90,"show_sort_weight":91,"slug":92},12,"Resumes",80,"resumes",{"id":55,"doc_module":22,"doc_module_name":25,"category_name":94,"show_sort_weight":95,"slug":96},"Invoices",70,"invoices",{"id":98,"doc_module":22,"doc_module_name":25,"category_name":99,"show_sort_weight":100,"slug":101},15,"Posters",60,"posters",{"id":103,"doc_module":22,"doc_module_name":25,"category_name":104,"show_sort_weight":105,"slug":106},16,"Social Media",50,"social-media",{"id":108,"doc_module":22,"doc_module_name":25,"category_name":109,"show_sort_weight":110,"slug":111},17,"Forms",40,"forms",{"id":113,"doc_module":22,"doc_module_name":25,"category_name":114,"show_sort_weight":115,"slug":116},18,"Letters",30,"letters",{"id":118,"doc_module":22,"doc_module_name":25,"category_name":119,"show_sort_weight":120,"slug":121},21,"Paper Templates",5,"papers-templates",{"id":123,"doc_module":22,"doc_module_name":25,"category_name":124,"show_sort_weight":4,"slug":125},158,"General","general-158",{"code":4,"msg":82,"data":127},{"doc_id":79,"user_id":128,"nickname":42,"user_avatar":129,"doc_module":22,"category_id":85,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":26,"language":135,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":12,"update_tm":139,"read_time":22},3573418547284,"https://eur-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","| \u003Cbr>ABOUT BUSINESS INNOVATION MODEL\u003Cbr>Merchants Development Driving Rural Markets (MDDRM) Project is an EU funded initiative. UNCDF's Shaping Inclusive FinanceTransformations (SHIFT) programme in South Asian Association for Regional Cooperation (SAARC) - SHIFT SAARC is a regional market-facilitation initiative aiming to improve livelihoods and reduce poverty in SAARC countries. MDDRM seeks to stimulate the expansion of digital technologies for Micro-merchant segments by encouraging innovation and linkages between retail and nancial services industries. MDDRM primarily focuses its interventions in Sirajganj, Tangail, Jamalpur, and Sherpur districts targeting 10,000 retail Micro-merchants.\u003Cbr>SHIFT MDDRM is facilitating 6 pilot innovation models utilizing micro-merchants networks reaching rural low income consumers through retail level value chains. The retail value chains will leverage the creative ideas and commercial instincts of FMCG and DFS providers by stimulating them to test innovative cross-sector business model and end-customer requisition strategies.\u003Cbr>Disclaimer: “This publication has been produced with the assistance of the European Union. The contents of this publication are the sole responsibility of Bank Asia & UNCDF and can in noway be taken to re􀀞ect the views of the European Union.” |  |  |  |  | FACILITATING DIGITAL PAYMENT AND CREDIT SERVICES FOR MICRO MERCHANT\u003Cbr>\u003Cbr>Merchants’ Development Driving Rural Markets (MDDRM) aims to stimulate the expansion of digital nancial services for Micro-merchant segments by encouraging innovation and linkages between retail and nancial services industries. MDDRM primarily focuses on its interventions in Sirajganj, Tangail, Jamalpur, and Sherpur districts targeting 10,000 retail Micro-merchants.\u003Cbr>The countrywide survey of micro-merchants conducted by UNCDF revealed that access to credit is one of the challenges micro-merchants are facing in the eld. The\u003Cbr>ndings show the underlying opportunity for FSPs to offer a business solution to facilitate integration and adoption of the digital innovations and payments in the FMCG-micro-merchants retail supply chain in Bangladesh.\u003Cbr>The SHIFT SAARC programme of UNCDF identi ed that facilitating digital payment and credit services for micro-merchants in Bangladesh through the market-based intervention would help in digitizing the merchant supply chain and increase the use of digital nancial services. It will also open the door to access formal credits by the micro-merchants.\u003Cbr>Bank Asia consortium came up with the business model that will help micro-merchants earn additional revenue, opportunity to store and generate nancial statements, and access to formal credit opportunities through alternative credit scoring. |  |  |  |  |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| | | | | | | | | | |\n\nBUSINESS MODEL  \nCustomer Micro Merchant  \nCredit Assessment  \nPayment through Bank Asia  \nSocial Safetynet Payment  \nLoan  \nCredit Scoring  \nPayment through  \nBank Asia  \nSupplier/ Wholeseller  \nPROJECT LOCATIONS  \nPanchagarh  \nThakurgaon  \nLalmonirhat Nilphamari  \nKurigram Dinajpur Rangpur  \nGaibandha Joypurhat  \nShpur  \nNaogaon Jamalpur Netrokona Sunamganj  \nBogra Sylhet  \nC􀂊􀂃􀂒􀂃􀂋 􀀑􀂃􀂙􀂃􀂄􀂉􀂃􀂐􀂌 Mymensingh  \nRajshahi Sirganj Tangail Maulvibazar  \nNatore Kishoreganj Habiganj  \nPabna Gazipur  \nNarsingdi  \nKushtia Brahmanbaria  \nManikganj Dhaka Meherpur  \nRajbari Narayanganj  \nChuadanga Comilla  \nJhenaidah Faridpur Munshiganj  \nMagura Narail  \nShariatpur Madaripur Chandpur  \nJessore Gopalganj  \nKhulna  \nBarisal  \nJhalokati Pirojpur  \nSatkhira Bagerhat  \nLakshmipur Noakhali  \nBhola  \nPatuakhali Barguna  \nFeni  \nSherpur, Jamalpur & Sirajgonj  \nKhagrachhari  \nRangamati  \nChittagong  \nBandarban Cox's 􀀅􀂃zar  \nKEY  \nFEATURES  \nDigital Payment Solution  \nDaily sales/purchase report preservation digitally  \nDigitizing value chain  \nWorking capital support  \nSecured transection  \nAwareness about digital payments  \nFinancial literacy fo","cbCaihdJPcqdDGwh","https://ap.wps.com/l/cbCaihdJPcqdDGwh","pdf",1294777,"English","# Business Innovation Model\n## Merchants Development Driving Rural Markets (MDDRM)\n## Facilitating Digital Payment and Credit Services for Micro Merchants\n## Business Model - Key Features and Customer Flow\n## Project Locations and Targeting\n## Key Outputs, Benefits, and Expected Outcomes\n## Future Strategy and Bank Asia Presence","[{\"question\":\"What is the goal of the MDDRM and SHIFT SAARC initiatives?\",\"answer\":\"They aim to improve livelihoods and reduce poverty by facilitating digital payment and credit services for micro-merchants, digitizing merchant supply chains, and increasing use of digital financial services.\"},{\"question\":\"Which Bangladesh districts are prioritized, and how many micro-merchants are targeted?\",\"answer\":\"Interventions focus on Sirajganj, Tangail, Jamalpur, and Sherpur, targeting 10,000 retail micro-merchants.\"},{\"question\":\"How does the business model support credit access for micro-merchants?\",\"answer\":\"It enables payment through Bank Asia and uses alternative credit scoring, helping micro-merchants earn additional revenue, preserve financial statements, and access formal credit opportunities.\"}]","Facilitating Digital Payment and Credit Services for Micro Merchants | PDF",1789262912]