What TMSS does

TMSS (Thengamara Mohila Sabuj Sangha) is a leading female-headed non-governmental organization headquartered in Bogura, Bangladesh, operating across all 64 districts through 1,652 branch offices and approximately 38,009 staff (including 20,423 volunteers). Originally established in 1964 as Thengamara Sabuj Sangha and reformed under Prof. Dr. Hosne-Ara Begum in 1980, TMSS delivers an integrated service portfolio organized around its signature HEM (Health, Education & Microcredit) Model. Its core microfinance program served approximately 1.17 million borrowers in FY 2024-25 with loans up to Tk 2 million, regulated by the Micro Credit Regulatory Authority (MRA).

Beyond microfinance, TMSS runs a diversified operating ecosystem comprising two hospitals (a 1,000-bed Rafatullah Community Hospital and a 250-bed Cancer Hospital), the TMSS Heart Center with cardiac surgery, TMSS Medical College, Pundra University of Science and Technology, 276 diploma and vocational institutes, 5 colleges, 4 schools, and 76 primary health centers. It also operates 42 social enterprises including the five-star Momo Inn Park & Resort, a paper mill, tiles and glass factories, cold storage, and brick fields. Combined, programs serve 19,010,875+ cumulative beneficiaries across health, education, human rights, climate, ICT, social business, and agricultural value chains.

Revenue is generated through microcredit interest, hospital and tuition fees, social enterprise sales, and donations. The FY 2025-26 approved budget was BDT 17,885.78 crore (~$1.49 billion), up from BDT 14,834 crore in FY 2023-24. The organization partners with PKSF, World Bank/IDA, IOM, Tata Memorial Hospital, Evercare Hospital, the Bangladesh Red Crescent Society, and the Government of Bangladesh's NGO Affairs Bureau and Department of Fisheries. Strategic priorities include the new 150-bed Women's Health & Research Institute, the Global TMSS Business Market System digital platform, the SCMFP aqua-finance program for coastal fisheries, and the BCL Flying Academy.

Name

TMSS

Legal name

Thengamara Mohila Sabuj Sangha

Website

https://tmss-bd.org

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

TMSS is a female-headed Bangladeshi NGO operating on the HEM (Health, Education & Microcredit) model across all 64 districts through 1,652 branches. It serves 1.17M microfinance borrowers, operates hospitals, a university, 276 vocational institutes, and 42 social enterprises serving 19M+ beneficiaries.

Ownership category

akta.pro rank

Headquarters

HQ city

Bogura

HQ country

Bangladesh

HQ region

Asia

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Microfinance: TMSS's core revenue stream involves providing microcredit to poor and ultra-poor women through its extensive branch network. The organization extends loans up to Tk 2 million ($23,273.84) to borrowers for income-generating activities, generating revenue through interest on loans. TMSS is regulated by the Micro Credit Regulatory Authority (MRA) and serves approximately 1.17 million borrowers (2024-25 FY).
2. Social Enterprises: TMSS operates 42 social enterprises and sister concerns including a 1,000-bed Rafatullah Community Hospital, Medical College, University, Engineering College, 5-star rated Hotel Momo Inn, Paper Mill, Tiles Factory, Brick Field, Wooden Board Mill, Water Plan, Glass Factory, Cold Storage, and Agro Markets. These ventures generate revenue while supporting the organization's social mission.
3. Educational Institutions: TMSS runs educational institutions including Pundra University, TMSS Medical College, Engineering College, 276 Diploma and Para-diploma technical and vocational institutes, 5 colleges, 4 schools, and a Training Resource Center with 8 centers. Tuition and service fees from these institutions contribute to revenue.
4. Healthcare Services: TMSS operates hospitals (including a 1,000-bed Rafatullah Community Hospital, 250-bed Cancer Hospital, and specialized centers such as Heart Center, Autism & Disability School), generating revenue through patient services. TMSS Medical College and Rafatullah Community Hospital are key healthcare delivery institutions.
5. Donations and Charitable Contributions: TMSS raises funds through donations from individuals, development partners, and well-wishers. The organization runs donation campaigns for flood relief, homeless children, and helpless poor people, with tax-deductible donation options available.

Go-to-market motion3 records

Distribution channels7 records

Marketing channels9 records

Core offering

TMSS is a non-governmental organization providing integrated microfinance, healthcare, education, and social development services to poor and marginalized women and communities across Bangladesh. It delivers microcredit loans up to Tk 2 million to approximately 1.17 million borrowers, operates hospitals and educational institutions, runs skills training programs, and provides humanitarian disaster relief. The organization's offerings are anchored in its proprietary HEM (Health, Education & Microcredit) Model recognized internationally for poverty alleviation and women empowerment.

Product overview

TMSS operates as a diversified NGO conglomerate offering an integrated portfolio of products and services across multiple sectors. The organization follows a HEM (Health, Education & Microcredit) model as its core programmatic framework. Healthcare services include TMSS Medical College & Rafatullah Community Hospital (1000 beds), TMSS Cancer Hospital (250 beds), TMSS Heart Center (offering cardiac surgery and catheterization), and the announced TMSS Women's Health & Research Institute (150 beds). Educational offerings span medical college, Pundra University, technical/vocational institutes including TMSS Polytechnic Institute, and special education through the Autism & Disability School. Financial services include microfinance programs with loans up to Tk 2 million. Social enterprises include the five-star rated Momo Inn hotel. Environmental initiatives encompass climate change adaptation projects (ECCCP-Drought and ECCCP-Flood). Humanitarian programs include flood relief, homeless support, and children's welfare campaigns. All these offerings operate synergistically under TMSS's women-empowerment mission, with the HEM model serving as the unifying framework connecting health services, educational institutions, and microfinance operations.

Differentiator

Problem solved

Functional benefit

Products and services

• TMSS Medical College & Rafatullah Community Hospital A 1,000-bed hospital and medical college providing comprehensive healthcare services including specialized treatments such as cancer care and cardiac procedures to patients across Bangladesh.
• TMSS Heart Center Cardiac care facility offering open heart surgery, coronary angiography, angioplasty, and coronary stenting services for patients in the North Bengal region of Bangladesh.
• TMSS Cancer Hospital 250-bed dedicated cancer hospital providing comprehensive oncology services including chemotherapy, radiation therapy, and bone marrow transplantation to cancer patients across Bangladesh.
• Microfinance Program Microcredit services providing loans up to Tk 2 million ($23,273.84) for income-generating activities and poverty alleviation among poor and ultra-poor women across all 64 districts of Bangladesh.
• TMSS Medical College Medical education institution producing healthcare professionals, affiliated with comprehensive hospital facilities, offering MBBS and medical training programs.
• TMSS Polytechnic Institute (TPI) Technical and vocational education institute offering market-driven training programs for employment and entrepreneurship across multiple disciplines.
• Momo Inn Park & Resort Five-star rated hotel and resort operated as a social enterprise, hosting events and providing hospitality services that generate revenue to support TMSS's social programs.
• Skills Training Programs Short-term technical and vocational training programs with globally recognized certificates, delivered in partnership with PKSF and ISISC under National Skills Development Authority for employment-linked skills development.
• Flood Relief Program Emergency relief services for flood-affected communities including food assistance, medical care, and rehabilitation support in disaster-prone areas of Bangladesh.
• Pundra University of Science and Technology University offering higher education across multiple disciplines, part of TMSS's educational network serving students across Bangladesh.
• TMSS Autism & Disability School and Rehabilitation Center Inclusive education and rehabilitation services for children with autism and disabilities, providing specialized teaching methods and therapeutic interventions.
• Extended Community Climate Change Project (ECCCP) Climate resilience projects including ECCCP-Drought and ECCCP-Flood focused on community adaptation, climate change mitigation, and environmental sustainability in vulnerable areas of Bangladesh.

Quantifiable outcome

• 8 million families served through education, healthcare, and microfinance
• +5 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

14 partnerships are on record, tiered minor, core and strategic.

• Rural Development Academy (RDA), BoguraminorStrategic or Co-development Partner · 30 October 2025A team of officials from RDA Bogura and Bangladesh Rural Development Board (BRDB) visited TMSS Foundation Office as part of a joint training program titled 'Rural Development through Organization and Credit Management.' Officials explored TMSS's development model and women-led development approach.
• Bangladesh Rural Development Board (BRDB)minorStrategic or Co-development Partner · 30 October 2025BRDB officials joined RDA in visiting TMSS as part of a joint training program on rural development. The delegation learned about TMSS's innovative operational model and women-empowerment approach.
• Rotary Club of Ramna, DhakaminorGTM or Marketing Partner · 27 February 2025TMSS Medical College & Rafatullah Community Hospital, Bogura collaborated with Rotary Club of Ramna, Dhaka to organize a Free Wheelchair Distribution Program for underprivileged, disabled, and limb-loss individuals. Rotary Club provided financial support for the initiative.
• Bangladesh International Hotel Association (BIHA)minorGTM or Marketing Partner · 25 August 2024Prof. Dr. Hosne-Ara Begum was elected as a member of BIHA's Executive Committee, ex-officio as Chairman of Momo Inn Park & Resort. This appointment reflects her contribution to the hospitality industry through TMSS's Momo Inn Hotel and Resort.
• NGO Affairs Bureau, Prime Minister's Office, BangladeshcoreStrategic or Co-development Partner · 9 July 2024Director General Md. Saidur Rahman of NGO Affairs Bureau visited TMSS Medical College and Rafatullah Community Hospital, expressing high regard for the institution. He assured government assistance to develop the health sector and make cancer treatment more accessible. The Bureau oversees NGO registration and regulation in Bangladesh.
• Tata Memorial Hospital / Tata Memorial Center (India)strategicStrategic or Co-development Partner · 8 November 2023Following a hematology excellence symposium at TMSS Medical College, experts discussed partnering with Tata Memorial Center and Evercare Hospital to introduce advanced diagnosis tests and establish a Bone Marrow Transplant Department. Professor Sumit Gujral from Tata Memorial Hospital delivered a keynote address on lymphoma treatment.
• Evercare Hospital DhakastrategicStrategic or Co-development Partner · 8 November 2023Evercare Hospital Dhaka, through Dr. Abu Zafar Mohammad Saleh (Coordinator and Senior Consultant of Hematology), is collaborating with TMSS to advance blood cancer treatment and bone marrow transplant capabilities at TMSS Medical College. Discussions centered on introducing advanced diagnostic tests and establishing a dedicated bone marrow transplant department.
• Intellicap (Circular Apparel Innovation Factory - CAIF)coreStrategic or Co-development Partner · 12 September 2023Intellicap's Circular Apparel Innovation Factory (CAIF) partnered with TMSS as a key implementing partner for the Oporajita project. CAIF provided training and support to workers who have exited garment factories or related sectors, educating them about upcycling and circular economy principles. 100 trainees participated, with 91 earning certificates.
• Palli Karma-Sahayak Foundation (PKSF)coreStrategic or Co-development PartnerTMSS has established a strategic partnership with PKSF to deliver market-demand-based technical training programs. With financial and technical support from international partners, this collaboration focuses on improving training quality and equipping participants with skills that match current labor market needs, particularly under the HEM Grand Sector.
• ISISC (under National Skills Development Authority)coreStrategic or Co-development PartnerUnder the supervision of National Skills Development Authority (NSDA), TMSS has signed a training agreement with ISISC. This collaboration strengthens national capacity for skills development and ensures that training standards align with national competency frameworks.
• Bangladesh Red Crescent SocietyminorStrategic or Co-development PartnerTMSS partnered with Bangladesh Red Crescent Society to design and implement structured training programs for conflict-affected and injured individuals. This initiative focuses on rehabilitation, skills development, and sustainable livelihood creation, helping affected individuals reintegrate into economic activities.
• International Organization for Migration (IOM)coreStrategic or Co-development PartnerTMSS and IOM joined forces in a meeting to address risks of human trafficking in migration. The collaboration aims to safeguard migration and protect vulnerable populations, particularly women and children, from trafficking risks in Sirajganj and beyond.
• SABAH BangladeshminorChannel Partner/ Reseller/ DistributorSABAH Bangladesh provided the training venue (Sabah Bangladesh Bhavan, Pallabi, Mirpur, Dhaka) for the Oporajita project's circular economy training program. The 8-day training program on repurposing unused cloth and jute into valuable products was held at this facility.
• Department of Fisheries, BangladeshcoreStrategic or Co-development PartnerThe Department of Fisheries (DoF) is implementing the Sustainable Coastal and Marine Fisheries Project (SCMFP). TMSS serves as consultant to develop an aqua-finance product affordable for both borrowers and lenders, targeting the coastal aquaculture and fisheries value chain.

Scale indicators11 records

Recent moves12 records

Expansion highlights7 records

Direct peers

• BRAC: Bangladesh's largest NGO operating integrated microfinance, healthcare (BRAC Health), education, and social enterprise programs — the closest direct comparable to TMSS's HEM-style integrated model across all 64 districts.
• Dhaka Ahsania Mission: Large Bangladeshi NGO operating microfinance, health, education, and drug rehabilitation programs; comparable as another diversified Bangladeshi NGO with social enterprise arms.
• Proshika: Bangladeshi development NGO with integrated education, health, microcredit, and skills training programs — comparable to TMSS's HEM integrated approach and grassroots community mobilization.
• ASA (Association for Social Advancement): Major Bangladeshi MFI serving millions of borrowers across all districts; directly comparable to TMSS's microfinance scale, branch network, and women-focused borrower base.
• Grameen Bank: Pioneering microfinance institution serving rural poor women in Bangladesh; directly comparable to TMSS's microfinance vertical (1.17M borrowers) and community-led women empowerment model.

Regional players

• Square Hospital: Private tertiary hospital in Bangladesh with cardiac, oncology, and specialized services; a comparable operator in the same specialty healthcare verticals TMSS is expanding into (Heart Center, Cancer Hospital).

Broad incumbents

• CARE Bangladesh: International NGO operating in Bangladesh with programs in women's economic empowerment, health, and disaster response; comparable in mission and donor-funded program model, though with a broader global parent.
• Concern Worldwide Bangladesh: International humanitarian NGO operating livelihoods, health, and emergency response programs in Bangladesh — comparable to TMSS's WASH, climate adaptation, and flood relief activities.

Emerging players

• PKSF (Palli Karma-Sahayak Foundation): Government apex microfinance fund and a current TMSS partner; comparable as a wholesale microfinance and skills training institution that channels donor capital to grassroots NGOs like TMSS.

Others

• IOM Bangladesh: International Organization for Migration — a current TMSS partner that also funds migration-safety and community resilience programs; comparable as a counterparty enabling TMSS's anti-trafficking and humanitarian work.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCTNitnM4XCzYVcM8n3scbLQ
• Facebookfacebook.com/globaltmss
• LinkedInlinkedin.com/company/tmss
• Instagraminstagram.com/globaltmss

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

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Frequently asked questions about TMSS