The economy has been sluggish and the demand for credit has not increased for a long time. Due to this, the amount of credit available to banks has been piling up. As a result of the overall credit demand not increasing, the amount of credit given to the poor has also decreased. In the first eight months of the current fiscal year (from Shrawan to Falgun), the credit provided by banks and financial institutions to the poor has decreased by about 20 billion rupees.

The credit provided by banks and financial institutions to the poor has reached 276 billion 460 million rupees as of last Falgun. Compared to last Ashar, the credit provided to the poor has decreased by 6.8 percent as of Falgun. In last Ashar, banks and financial institutions had provided 296 billion 620 million rupees in credit to the poor. Such data is certain to affect the goal sought to be achieved through increasing the credit to the poor. Therefore, the government should adopt a strategic plan to increase the credit to the poor by increasing the overall credit demand.

The practice of poor loans was started with the aim of providing access to banking services to poor families, facilitating access to loans, increasing entrepreneurship, and supporting poverty alleviation. The policy is expected to provide such loans to families with weak economic status, backward and discriminated communities, men or women without regular employment, and anyone with skills to become entrepreneurs.

The government's revenue collection target has been reduced due to the lack of economic activity, while capital expenditure has not been able to increase . In a situation where infrastructure construction is not being accelerated and spending is not being done, the private sector is not enthusiastic . As a result, demand is not created because the citizens do not have money in their hands and cannot spend it . It was expected that as people from lower classes obtain loans and increase entrepreneurship through them, the economic mainstreaming of people from lower classes will also take place and the class gap will eventually narrow. On the one hand, this was intended to ensure that everyone does not lack credit to use their skills, and on the other hand, it was also intended to decentralize the power of big entrepreneurs/businessmen/traders and prominent individuals in obtaining loans. Currently, there is a legal provision that banks and financial institutions must disburse a minimum of 5 percent of the total loan to the poor.

It is necessary to examine the failure of non-performing loans to increase by keeping two aspects together - non-performing loans and overall loans . Generally, non-performing loans are provided for programs such as small-scale enterprises and businesses, agriculture, and animal husbandry . About 25 percent of non-performing loans are provided directly by banks and financial institutions and the remaining 75 percent are provided indirectly (through microfinance institutions, cooperatives). Beneficiaries of non-performing loans still have difficulty in getting loans from banks and financial institutions . The banking process is not favorable for them .

On the other hand, microfinance itself is currently in crisis . Their ability to provide loans is also weak. In addition, the socio-economic psychology that society has reached has not been able to create much attraction for such loans. Because, foreign employment has become an easy and strong option for many. In this way, due to the processes of banks and financial institutions, the state of microfinance, and the psychology of society, poor loans have not been able to increase.

Not only poor loans, but also the overall demand for loans has not been able to increase. Because, an investment environment has not been created. Industrialists and businessmen have not been able to guarantee not only returns, but also the security of investments. For example, on 24 Bhadra, many commercial/business centers were arsoned, vandalized, and looted. Before and after that, the private sector has had to face fear in one way or another. Industries have been operating at less than 50 percent capacity. Demand in the market has not been able to increase. Even though interest rates are low, industrialists and businessmen are not in a position to take additional loans. Overall economic activity has not been able to move as expected. In such a situation, small and household enterprises, which are basically the backbone of the economy, have shrunk. This has a direct impact on the loans disbursed by cooperatives and microfinance financial institutions.

On the other hand, when economic activity is not moving, the government's revenue collection target has shrunk, while capital expenditure has not been able to increase. In a situation where it is not possible to spend while accelerating infrastructure construction, the private sector is not motivated. As a result, since the citizens do not have money in their hands and cannot spend, demand is not created. As a result, no one is motivated to increase investment for production growth. In such a situation, there is no demand for loans from banks and financial institutions. In a situation where the total credit flow does not increase, it does not mean that only the poor class will increase in loans.

In the past, unstable governments and unstable policies were considered to be the cause of economic slowdown or the lack of an investment environment. After the 21 Falgun elections, a strong government has been formed and it is believed that it will adopt a stable policy. Now the government should create an investment environment and for that, it should adopt a policy of increasing government spending and encouraging the private sector.

A program should be decided by focusing on two aspects to increase poor credit. First - entrepreneurship should be increased among people. For example, if someone is involved in agricultural work, their investment security, product price and market assurance, and compensation can be arranged according to need. No matter what sector, if the dignity of entrepreneurs can be enhanced and their financial status improved, many problems can be solved.