CMES has organized a credit scheme for financing income generating activities of the adolescent girls and other disadvantaged youth. This microcredit scheme is managed by a dedicated central and field staff within CMES Microcredit Wing. CMES has been the pioneer in this respect by giving adolescents as well as young adults access to credit, irrespective of the marital status of the women. CMES’s  credit programme is implemented and expanded mostly with the fund borrowed from PKSF. 

The management & organization 
The microcredit wing is managed by the Deputy Project Coordinator (Microcredit) and programme is implemented the credit staffs at the service centre, along with the field credit staffs including Regional Manager, Credit Manager, Credit Officers and other credit staff. All have an intensive training on the credit system received at CMES. Some of the staffs also have external training including training provided by PKSF. In every Unit, these trained staff members form a team to manage the loans within the Programme. The loan proposals are received, studied and later are recommended to the Regional manager by the team and then Regional Manager send the suitable proposals to the Service Centre. In the regular meetings of the Loan Review Committee, then proposals are approved and the loans are duly disbursed. The credit staff at the field conducts the repayment and monitoring activities, and keeps close contact with the ongoing empowerment programme for the loanees. 
Some statistics about microcredit programme
Cumulative Loan Information (in Bangladesh Taka) 
Up to 31 December 2013

1 US$ ≈78 Taka

Loans and corresponding activities

So far, members have taken loans for the following activities:

CMES has Micro Enterprise loan programme. The size of each loan is between Tk. 30,000/- to 3,00,000/- through these more experienced young people are going for bigger efforts in income generating activities.