TMSS has highlighted that in order to bring the desired food security and livelihood changes of the poor households of Bangladesh, microcredit alone cannot achieve this. An integrated/holistic microcredit approach is needed such as increasing the productivity of agricultural sector, create an employment opportunity, improve livelihoods, education that contributes to socio economic development of the poor people. In order to make a more dynamic as well as improve the current operating system TMSS has innovatively developed a microfinance model/approach which is called “Health, Education and Microfinance (HEM)”. In order to ensure proper resources management and utilization of microcredit, the targeted members need to have physical potentiality, sound health, possess own resources as well as at least basic literacy. The HEM approach entails awareness on developing income generating activities (IGAs); primary healthcare/ health hygiene nutrition; promoting basic literacy (reading, writing and numerical) and capabilities on microfinance management; utilization and record keeping among TMSS’s Target participants. The HEM approach has been successfully implemented in Bangladesh through 937 Branch Offices, 203 Area Offices, 51 Zonal Offices operate across the country covering nearly 17,88,942 members. The Branches act as a center of excellence and providing different logistics support services and program delivery, technical back-up, supervision, monitoring to their targeted beneficiaries/ borrowers and to achieve the overall goal and objectives of TMSS and finally contributing towards poverty alleviation in Bangladesh in a sustainable manner.