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BRAC borrowers received 100 percent credit of their applied amount. Maximum of the credit money was utilized purposively and rickshaw pulling borrowers showed the highest purposive utilization. All the borrowers satisfactorily repaid their loan within the specified term. The important factors for timely loan repayment were found to be self awareness, installment mode of payment and group pressure. Borrower's income proved to be the most significant factor contributing repayment process. Grocerydoi:10.3329/jbau.v7i1.4971 fatcat:l6x6e6eyezed3crraz3w56br7a