Daridra Bimochon Karmasuchi (DABIK) is a credit program mainly for the hard core people. A person who has up to 0.50 acres of land including homestead can avail the loan facility. A wide range of rural activities are involved in this program. The main objectives are micro enterprises development, income generation, employment creation and poverty alleviation. An individual or a five member group can avail the loan. It is a small and collateral free loan. The maximum loan limit is Tk.10,000 to an individual level. The rate of interest is only 9.00% per annum. The activities of this program are extended in all the branches of Agrani Bank Limited.