Financial inclusion in Bangladesh is considered strong compared to other countries in the region, with currently around 77% of the population of 165 million people having access to basic financial services. However, there are still rural pockets in the country where many households and small businesses have no or limited access to finance. Microfinance institution Thengamara Mohila Sabui Sangha (TMSS) fills this gap.

TMSS distinguishes itself in the microfinance sector in Bangladesh by its integrated holistic HEM approach, which stands for Health, Education and Microfinance. This means that TMSS also provides training programmes on health awareness, (financial) literacy, and basic management. With this holistic approach TMSS enables their clients to develop their skills and their full potential.