Surprisingly, the Grameen Bank does not offer low, preferential interest rates to the poor. In fact, its 20 % rate is even higher than that which traditional banks charge (bank rates run about 16 % in Bangladesh). But it cuts the rate in half for those who repay their loans within a year, providing the poor with an incentive to maintain their "credit rating."
令人驚訝的是，鄉村銀行不但不以低利率來「優惠」窮人，其 20％的利率甚至高於一般商業銀行（孟加拉一般銀行利率為 16％），但若於一年內還清者，則立刻利率減半，以提供窮人努力維持「信用」的誘因。