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To maximize geographical outreach and minimize operational risk, the unit employs two main disbursement channels
Direct Lending
Provided through Jamuna Bank’s rural and semi-urban branches, sub-branches, and dedicated agent banking outlets directly to individual farmers or registered agricultural cooperatives.
Indirect/MFI-Linked Lending
Disbursed to target beneficiaries through partnerships with eligible, central bank-approved Non-Governmental Organizations (NGOs) and Microfinance Institutions (MFIs).