A. Background: The concept of Microcredit and its practice in Bangladesh have global image and reputation. Often Bangladesh is recognized as the motherland of Microcredit intervention for poverty reduction towards a pro-poor women focus development strategy. The Credit and Development Forum (CDF) was established in 1992 with the goals to build capacity, research for innovation, advocate for policy and network of the NGOs operating microfinance for sustainable poverty reduction in Bangladesh through efficient services. The CDF has legal status as "Not for Profit Company" while it operate as forum for the NGOs engaged in microcredit program by playing catalytic role with stakeholders and Members Organization. Thus CDF enrolls all these NGOs and other institutions as Network Members on fulfillment of certain terms and conditions. Moreover, it also embraces potential/special institutions as network member organization based on set criteria. B. The General Conditions for CDF Network Member Organization: 1. Network Member Organization is non-voting 2. The Network Member must believe in CDF goals and objectives 3. They will abide by rules and procedures of CDF 4. They will pay Annual Membership fees regularly 5. Network Member will support CDF cause and advancement 6. Interested Organization will formally apply for Network Membership 7. Harmful action against CDF, non-payment of Annual Membership fee and resignation will terminate Network Membership. According to CDF mandates the networks members are broadly categorized into 5 types as follows: a. Non-government organizations (NGO - Small, Medium, Big) b. Financial institutions (national/private bank, insurance, leasing company, cooperative, credit union, stock exchange, specialized financing institution etc.) c. International funding agencies (donor governments, international bank, UN agencies, international NGOs, funding agency etc.) d. Government bodies (government organization, autonomous body, authority, corporation, research institutions, university, local government etc.) e. Society and group or individuals (social organizations, professional groups, associations, welfare organization, foundations etc.) Terms and Conditions for Network Member NGO-MFIs: 01. Must have legal status as voluntary/Non-govt. organization. 02. Submission of audit report by CA firm 03. At least 2-3 years operational experience on credit and savings program 04. Must have at least 300 active members under coverage 05. Accumulated net savings should be minimum Tk. 200,000 from active members. 06. Staff strength for credit program should be three (3) 07. Total loan outstanding must be Tk. 300,000 08. Total revolving loan fund (RLF) must be Tk. 300,000 C. Justification of Network Membership Category and Fees: The working/professional relationship is based on some basic principles of interaction, exchange and bondage for mutual benefit, These principles help long term sustainable relation and institutionalization with a common goal and bondage. This bondage feeling is very important for the organization like CDF, the only sectoral network of microfinance in Bangladesh. Therefore, the categorization of member organisations, (NGOs and others) will bring Clarity about roles and responsibilities, which will enhance more effective and responsive working relation for success. The categorization of CDF Network Member will help to overcome its limitations. It will further strengthen and broaden network interaction and generate mutual benefits to NGO-MFIs and others members by institutional linkage and network expansion. The introduction of membership fees will stimulate strong bondage and sense of obligation to enhance CDF mission and actions. D. Code and Roles of Network Member Organizations: 1. regular payment of annual membership fees 2. provide information to CDF data bank/statistics (if applicable) 3. sending Annul program and Audit report (if applicable) 4. show mutual respect to all category of network members 5. advocate for microfinance sector development towards poverty alleviation 6. enhance mutual cooperation for benefit and sustainable operation 7. avoid unhealthy competition and duplication 8. extend support to CDF as much as possible and required 9. support for standard improvement and self regulation of microfinance sector 10. uphold microfinance sector for the credit right of poor E. Responsibility of CDF to Network Member Organizations: The CDF will be responsible to provide the need based and regular services to its member organizations. The major services will be as follows: provide updated information and database as needed by member organizations update their organizational brief profile for record and information. publish CDF statistics and microfinance journal - bulletin for distributing those to stakeholders organize workshop, round table, experience sharing meeting for the member organizations and stakeholders. establish linkage for lending and other programs for mutual benefit organize capacity building services for network members on priority issues undertake networking and advocacy for the sector to benefit the members organizations and stakeholders conduct action research for innovation and diversification of the sector.