This is followed by agriculture where declines in yield are projected for moderate to high levels of climate change (Table 1). It has more than 1200 certified microfmance institutions with over 13 million clients, of which 80% are below the poverty line (CDF, 2002). The high population density and relative ethnic, social and cultural homogeneity in Bangladesh have made it possible to design appropriate programs for most of the populations, meeting the needs of the rural poor and driving down the costs of service delivery (Hulme, 2006, Zaman, 2004).