In October 1977, on a trip to the capital city of Dhaka, I had a chance meeting that radically changed our efforts to bring credit to the poor villagers of Jobra. For personal reasons that had nothing to do with Grameen, I was in the offices of one of our largest national banks, the Bangladesh Krishi (“Agriculture”) Bank (BKB), where I bumped into an acquaintance of mine, the managing director. As soon as he saw me, Mr. A. M. Anisuzzaman,
