A Project on SME Loan Of BRAC Bank Limited

Executive Summary

BRAC Bank Limited is a scheduled commercial bank in Bangladesh. It established in Bangladesh under the Banking Companies Act, 1991 and incorporated as private limited company on May 20, 1999 under the Companies Act, 1994. Its operation started on July 4, 2001 with a vision to be the market leader through providing all sorts of support to people in term of promoting corporate and small entrepreneurs and individuals all over the country. BRAC Bank, for the first time among local commercial banks, starts providing loan facilities to small and medium trading, manufacturing and service oriented enterprises all over the country. The bank has already established its network in different area of the country with assistance of BRAC.

BRAC Bank is trying to develop economic condition of the country. So the bank provides loan facility 2 to 30 lacs taka to the small and medium enterprise that has no easy access to financial institutes. The bank already established 36 Zones and 265 unit offices all over the country. There are 583 Customer Relation Officers (CRO) providing door to door service to clients. Till December 2006, the bank provides loan facilities to 14482 clients which amount is Tk 556.64 crore. Average loan size is Tk 3.28 lacs. SME loan can be repaid in two ways, 1) In equal monthly loan installment with monthly interest payment. 2) By one single payment at maturity, with interest repayable a quarter ends residual on maturity. Customer relation officer search new potential customer by providing door to door service. They talk with clients and monitor their manners, activities of their business and provide the loan to the potential customers. SME, BRAC Bank may provide 100% of net required working capital but not exceeding 75% of the aggregate value of the inventory and account receivable. Normally, organizations meet their working capital from over draft loan but BRAC Bank designed the loan to meet working capital but as term loan which is repaid in installment. The customer relation officers also monitor the borrower’s activities after the loan disbursement. The core competence of the BRAC Bank is to provide the fastest loans to the clients in this country. To retain this competitive advantage BRAC Bank would provide computer and palmtop facilities whether they can give fastest services to clients than other banks. Also to convey the customer focus, BRAC Bank is trying to reduce collateral securities than other banks. It provides more collateral free secured loans to capture the market. Regarding the services by the CRO, almost all clients are satisfied by get these quick facilities from them. Though it is pioneer division of this bank, I tried to give an in-depth analysis for every factor, which relates the SME division from the perspective of customer satisfaction and dissatisfaction. 

1.1 Origin of the Report

A country is financially rich when it has modern financial institutions of its own. These institutions play a vital role in the field of financial stability and industrial development of the country. Due to Globalization and Technological revolution, the banking business has become very competitive now a days. All banks are competing to give effective real time service to their customers. For giving friendly service to the customers they need experienced and well-educated workforce. To create well-educated Business executives, Dhaka University has initiated Bachelors of Business Administration (BBA) program. In the BBA Program, the Internship is one of the vital parts but in lieu of internship, project can be prepared if it is unavailable, which has to be done by every BBA Student. For fulfilling that requirement I was assigned to prepare a project on SME loan of BRAC Bank. My faculty supervisor Sheheli Parvin, lecturer, Department of Marketing, Dhaka University also approved the project and authorized me.

Dissertation Report on Hotel 71

 Introduction on HOTEL 71

The Hotel 71 located at the heart of the city bijoynagar in 20 storied building. the hotel building has
been constructed with special care and under close supervision of the specialist engineers from BUET.the sculpture of bijoy at the first floor, the wood curving work on the movement from 1952 to1971At the banquet Hall”Amrokanon”and the terracotta work at the restaurant”Sadhika”certainly will express regarding the history of” independence Of Bangladesh” and Touch Of The Inner And Actual Feelings of 1971 Every Where In The Hotel 71.In Hotel 71,56 Rooms including 12 suits, All room with high speed internet connection along with dedicated port for laptop, mini bar , in room safe, satellite TV with channels and working desk, Exclusive club room with personalized service for all suite guest and members only, 24-hours business centre and room service, One restaurant, lobby cafe, Swimming pool(On Processing), health club, Hotel equipped with safety and security

equipment device including fire and smoke detector, water sprinkler, Key door locks & CC TV,Coffe Shop,Saj-Goj Beauty Parlour,Style Point Barber Shop,24 Hours Laundry Service.

On June 2010, began a project that would not only revolutionize the skyline of Dhaka but also the hotel industry of the country. The first Glass–framed building ever to be built in the country awed everyone. Hotel 71 has 20 (twenty ) levels (including 2 level of underground car parking) building with a space of 72,000 square feet.

There are 56 (Fifty Six) guest rooms including 12 Suit rooms. This hotel has 6 (Six) efficient service department. They are Housekeeping, Food & Beverage, Front Office, Reservation, Sales & Marketing and Engineering & Maintenance Department. All the departments work together to serve their valuable guests.

The Hotel has 1(One)Luxurious restaurants. The Restaurant Name Is “Sadhika”, the authentic restaurant with world famous foods. The hotel has also a Lobby Lounge Café (Coffee Shop) which is a wonderful spot to enjoy a quick cup of coffee, tea, offers home baked patisseries.

In Our Hotel Top Floor fitness center where the most recent instruments are available. In the fitness center there is also a bakery shop. In The hotel 71 the Swimming Pool (on processing).

Hotel 71 has the most modern equipped business center with highly dedicated Internet connection, which is open for the 24 hours round the clock. The hotel has around 130 staffs to serve their guests. They are very much well trained, mannered and loyal to the management.

Trade Marketing Activities Channel Partners Perception of (CityCell)

1. Introducing the Company

 

1.1   The Company

Pacific Bangladesh Telecom Limited (PBTL) is the first mobile phone service provider in the Indian subcontinent. The address of the Head office is: “Pacific Centre” 14, Mohakhali C/A Dhaka 1212. PBTL was founded by Pacific Group Limited and Hutchison Whampoa Limited. CityCell is the brand name under which Pacific Bangladesh Telecom provides wireless telecom or mobile phone service and products to the general and other customers.

1.2 Pacific Group Ltd.

The Pacific Group is a group of companies under common ownership. The group has interests in automobile service (Pacific Motors Ltd.), consumer electronics (Pacific Industries Ltd.), fisheries (Bengal Fisheries Ltd.), tea (Noyapara Tea Company Ltd.) and telecommunications (Pacific Bangladesh Telecom Ltd.). This group of industries was founded by renowned industrialist and current honorable foreign minister – Mr. M. Morshed Khan.

1.3 Hutchison Whampoa Ltd.

Hutchison Whampoa Limited (HWL) is a Hong Kong-based diversified, multinational company with its origins dating back to the 1800s. As part of the Li Ka-Shing group of companies, HWL's ultimate shareholder is Cheung Kong (Holdings) Limited, which has a 49.9 % interest in the Company. In terms of market capitalization, HWL is one of the largest companies listed on the Hong Kong stock exchange. With over 150,000 employees worldwide, the Group operates five core businesses in 41 countries.

1.4 The Company History

In October 1990, Hutchison Bangladesh Telecom Limited (HBTL) was formed as a joint venture between Bangladesh Telecom Limited (BTL) and Hutchison Whampoa Limited of Hong Kong. In March of that year BTL had been issued a license by Bangladesh Telegraph and Telephone Board (BTTB) for operating cellular, paging and other wireless communication networks.

THE PRESENT SCENARIO AND THE PROSPECT OF AUTOMOBILES IN BANGLADESH (Uttara Motors Ltd.)

Executive Summary

In recent year rural road communications mainly connecting roads from Thana to important Hat, Bazar and villages have been increased significantly. Consequently agriculture, agriculture related business and other economical activities have been increased and side-by-side mobilization of people also increased. As an easy and affordable transport, Two-wheeler becomes a very popular vehicle in rural and semi urban area in our country.        

Objective of the study

The main objective of the study is included:

(i)            An analysis of the present situation of two-wheeler market in Bangladesh,

(ii)           An analysis of sales trend of two-wheeler and estimation of their future demand.

(iii)          An analysis to find the proper marketing and sales tools to marketing the products.

(iv)          An analysis to measure the potentiality of Bajaj products.

Market size and growth rate of Two- Wheeler:

Two-Wheeler market in Bangladesh is very optimistic and demand is increasing rapidly. At the moment market size of Two-Wheeler is about 35,000 units per year. In l2002-03 financial year growth rate was 44%. Growth rate mainly depends on socio economic environment and Government policy of our country. Average growth rate of Two- Wheeler market in last six years was

Assignment on Islamic Bank part 3 of 3

*    To provide self employment for the poor and distressed by group/center formation.

*    To bring both male and female to provide employment under income generation activities and help them to attain self-reliance step by step.

*    To continue to support the self reliance drive of the poor in their search of capital formation from savings they make out of their increased income.

*    To help reduce and eventually stop, through enhancement of their income, the lending on thigh and exorbitant rates of interest by the village money lenders, the advance sale of crops, land and mortgage of land by the poor at the time when they are most in need.

*    To follow an approach of comprehensive development side by side will economic development and

*    To provide financing to develop housing in the area.

Selection of Ideal Village

For creating an ideal village, one/more villages to be selected within to km of each specified branches area. While doing this considers the following matters.

v  Easy transportation

v  Having agricultural /non-agricultural sectors.

v  Majority of low income holder

After primary selection, baseline survey will be done in that village.

Beneficiaries 

The RDS of IBBL is target group based. Beneficiaries of the plan are thus ladles, wage laborers and marginal farmers. Selection criteria for members of the target group are as follows.

a)   Famrmers owning up to 0.50 acres of land including sharecroppers;

b)   Persons engaged in non agricultural activities owning up to 0.50 acres land or landless;

c)   Permanent resident of the project area.

d)   Borrower or defaulters of any other bank or organization will by no means be the beneficiaries of the plan;

e)   Females belonging to the families of the serial 1 and 2 above, interested in income earning projects, but who unable to do so due to dearth of money, may form a group and get the financial support.

f)   Distressed people may undertake income generating schemes in non-agricultural sec tors such as cow/goat/chicken etc. For their self-employment; and

g)   Landless to be given priority in selecting target groups whose yearly family income must be below Tk. 15,000/-.

Assignment on Islamic Bank part 2 of 3

1.      The bank requires to retain 10% of its total deposit liability as Statutory Liquidity Ration (SLR) including 4% Cash Reserve Ration (CRR) with Central Bank. The Bank may go for investment upto 90% of its total deposit. The perspective Investment Plan is being formulated quantifying the allocation of investments size-wise, sector-wise, geographical area-wise, economic purpose-wise, security-wise and mode-wise keeping in vies 20% projected growth of deposit each year.

2.      Taking into consideration the broad objectives of the Bank, national priority, socio-economic need, growth level of the economy, the investment port-folio of the Bank may gradually be diversified and allocated in terms of size, sector, geographical area, economic purpose, security and mode.  

THE 5-YEAR PERSPECTIVE PLAN FROM 2003-2007

In accordance with the investment Policy, 5 year Perspective Plan from 2003 to 2007 is formulated. Deposit target of the Bank s on September 30, 2002 plus 10% has been taken as base and 90% of the year-wise estimated deposits have been as investable fund. Size-wise, sector-wise, geographical area-wise, economic purpose-wise, security-wise allocation of estimated investable funds are made in accordance with the weightage given in the Investment.   

Assignment on Islamic Bank part 1 of 3

HISTORIES AND GROWTH OF ISLAMIC BABKING AROUND THE WORLD

 In the 20^th century ,the financial and Banking world come to acquainted with a new member in the money market known as Islamic Bank with some special features.Islami banking gradually evolded during the last thirty years in some parts of the Muslim world.During 1960’s it was observed that Muslims of Malayasia used to save miney primarully for performing Hazz.Such savings mostly kept idle in pillows,under mattresses and floor for avoiding interest,which was unproductive and damaging for the growth and development of ecnomy.For utilizing such saving the  Government of Malayasia in 1962 established an interest free financial institution known as “Pilgrims Saving Corporation”.In 1963 Ahmed El Nujjar established  a bank at MITGAMAR inegypt by his personal endeavor with a view to bring some development in socio-economic field in the process of Islam.this Mitgrambank is considered as the Father of Modern Islamic Banking and A.E Niffar is considered as the Father jof Islamic Banking System.The tremendous development that the world economy has experienced in the last few decades was contributed by several factors among which, growing institutional supply of loan able funds must have in the human body. Both commercial banks and other development financial institutions  provide short, medium, and long-term credits to businesspersons and entrepreneurs who usually take the lead in ventures of economic development.

Institutional supply of credit has been made possible by a system of financial inter-mediation organized in a way where conventional  banks collect small savings from the public by offering them a fixed rate of interest and advancing the loan able funds out of the deposited money to enterprising clients charging relatively higher rates of interest. The margin between these two rates is the banks income. In addition, banks also provide many other services to the public for which it receive service charges. Despite the outstanding contribution of the conventional banking system(interest-based) several ancient and modern economists are critical about its efficiency level . Some economists consider the role of interest in the conventional banking mechanism as a major negative factor that contributes  to cyclical fluctuations  in the economy (Minsky 1982). More recent concern over the potential instability of the world monetary and financial system was expressed by Maurice Allais, a Noble Laureate in the called for an urgent reform of the World Economic order (Allais 1993, pp13-16) . Others vehemently opposes the argument for using rate of interest as a stabilizing tool in the economy (Saud 1980, p. 88) . This called  for the emergence of a new system of banking capable of tacking new challenges that the present world economy , particularly the financial  sector, has been facing.

Prime Bank Credit Card a comparative analysis with other cards in the market and contribution towards the company growth

INTRODUCTION:

Prime Bank Ltd is a fast growing private bank. In Prime Bank has focused for providing high quality customer service at a very competitive price. PBL efforts are directed at diversification of product and service. Offering customers a wide variety of choices and options have remained cornerstone of their business strategy. In this backdrop PBL has launched credit card business in collaboration with a global player like Master Card. Master Card is one of the top 20 brands in the world. An alliance with these as its Principal Member is definitely a big advantage from marketing point of view. Policy planners of the bank through that large majority mainly in the cities & towns would prefer payment through usage of plastics in the form of credit card. A market with upscale customers existed for card. Accordingly in December 1999, Master Card credit card was launched bringing new dimension to their product line. Since credit card operation required real time on line connectively the bank made substantial investment in the technology and other infrastructure in related areas. High quality international software and top of the line hardware was deployed. Key person to manage the strategic operations was trained home and abroad. With initial teething problems over, the bank successfully issued local and international card within a record time. Since journey was for steady and sustainable growth. Objectives of the study: Methodology Of The study:

Marketing Problems and prospects of Dano Milk Powder in Bangladesh

1.0 Introduction     

A student takes the internship program when he or she is at the last leg of the Master degree; internship program brings a student closer to the real life situation and thereby helps to launch a career with some experience.

1.1. Origin of the Report

This report is orientated as the course requirement of the MBA Program of Victoria University of Bangladesh (VUB). As the practical orientation is an integral part of the MBA degree requirement, I was sent to Mutual Milk Products Ltd(DANO Milk Powder) to take the real life exposure of the activities of consumer products institution from November 12, 2008 to February 12, 2009.

Implementation of MIS competitive advantage issues on Josephs Associate Network corporation of Eastern Bank Limited (EBL)

 

Introduction 

Eastern Bank Limited (EBL) began its journey in August 1992. Over the year EBL has established itself as a leading private commercial Bank in the country with an establish leadership in corporate banking and a strong customer and SME growth engines. At presents EBL Consumers, SME and Corporate Banking units are capable of handling every kind of customer needs. The customers are served through a network of 49 Branch. 74 ATMs and 5 Kiosks countrywide. EBL has its presents in 11 major cities/town in the countries include Dhaka, Chittagong, Sylhet, Khulna, Rashia and Cox’s Bazaar. It is the first local bank for go online.

► Management Information System (MIS) : A management support system that produces PR specified report, displays, and responses on a periodic, exception or demand basis.

Management as the performance of planning and control activities at the strategic, tactical and operational decision making level of an organization.  

Business Buying Decision Process Of BD Foods LTD

Executive Summary

Our assignment is on the “Decision making process of a corporation”. Here we have discussed Buying Decision making process and the marketing of the BD FOODS LTD. It consists of few chapters.

Chapter -1 is the prefatory part of the report. Here we talk about the objectives of the study, scope, background, limitation of the report.

In Chapter-2 we've discussed about the profile of the company.

In Chapter-3 shows the product lines and products of the BD FOODS Ltd.

In Chapter-4 shows the model of buying decision making process of BD FOODS Ltd. and other factors that influence it.

 In Chapter-5 highlights the target market, positioning strategies and about the branding strategies.

In Chapter-6 we've discussed about the pricing strategy and the supply chain of the company.

In Chapter-7 there are promotional activities of BD FOODS Ltd.

Chapter – 8 has built to show the strengths, weaknesses, opportunities and threats of the company.

Assignment on Traditional Accounting vs. Computer Based Accounting

1.1 Introduction

In today’s world academic education is not adequate to enable a student to compete with confidence and reach his/her goal without having depth knowledge about some particular fields. In order to have details idea and depth knowledge about any field or topic, we, the students of Department of Accounting and Information Systems, especially in the BBA program, University of Dhaka, have to undertake 6 weeks internship or thesis program.

As a part of my BBA program, the six weeks thesis program gave me the opportunity to have details knowledge about the challenges of traditional accounting because of technology based accounting. The assignment was how the traditional accounting is differing from the Computer based accounting.

Integrated Marketing Communication of Nestle

Executive Summary

Nestle is a worldwide company of food processing, milk products and many type of confectionary goods. It has a very strong position in its own field. To build its strong position it uses many communication channels. This procedure is called Integrated Marketing Communication. It uses all its marketing tools, approaches and resources to make this happen. Among many of the Nestlé’s advertisement channel we have chosen some media such as: billboard, television, transport, magazine, newspaper and poster. In this assignment we will bring about a discussion on communication process, developing effective communication, message format, message structure, appeals, chosen media, message source, feedbacks and objectives of all the advertisements from different media. By Nestlé’s effective and appropriate advertisement’s it has been able to capture the mind of consumers of all age and class and spread its market around the world.

Assignment On Interrelation between products, interest rates & terms of finance of United Leasing Company Limited

 Section 1 –Organization report

1.1    Background of ULC

United Leasing Company (ULC) Limited is the second oldest leasing company in Bangladesh. It started its operation back in 1989 as a joint venture with reputed foreign and local sponsors.

Incorporated as a public limited company under the Companies Act 1913, ULC was also granted license under the Financial Institutions Act, 1993. The shares of the company are quoted on the Dhaka Stock Exchange since 1994.

Analysis of Financial Performance: A Study on Bakhrabad Gas Systems Limited

Overview on Bakhrabad Gas Systems Limited

Bakhrabad Gas Systems Limited (BGSL) is a company of Petrobangla under the Ministry of Power, Energy & Mineral Resources, Government of the People's Republic of Bangladesh, was incorporated on 7^th June, 1980.  The registered head office of the government-owned company is located at its own complex at Comilla. The company commenced its operations as a model company with its core responsibilities of gas production, transmission and distribution. The Company was primarily entrusted with the responsibilities of drilling 4 (four) wells including work over of one well, construction of 174.65 kilometers long Bakhrabad-Chittagong Gas Transmission Pipeline and installation of gas distribution network in South-East Bangladesh with a view to supplying gas to the South-East region of the country. On successful completion of these projects within the requisite time, the Company began its commercial trek in FY 1984-85 from Chittagong on 20^th May, 1984. It is noteworthy that the initial authorized capital of the Company was Tk. 300.00 crore which the government providing the total equity requirement of the company. The paid up capital of the company is Tk. 122.62 crore and Tk. 248.07 crore retained in the company as share deposit.

A Research on Customer Service Quality of Commercial Banks of Bangladesh

Problem Definition    

a.      Background To The Problem:

Banking operations are becoming increasingly customer dictated. The demand for 'banking super malls' offering one-stop integrated financial services is well on the rise. The ability of banks to offer clients access to several markets for different classes of financial instruments has become a valuable competitive edge. With the phenomenal increase in the country's population and the increased demand for banking services; speed, service quality and customer satisfaction are going to be key differentiators for each bank's future success. Thus it is imperative for banks to get useful feedback on their actual response time and customer service quality aspects of retail banking, which in turn will help them take positive steps to maintain a competitive edge.

A performance analysis on private mutual funds in Bangladesh

1.1 Introduction

 This report is part of my academic program. To obtain the degree of MBA, you will have to fulfill all of your credit hours available in your course. For this reason behind, you need to complete your internship of three months subsequently producing a report addressing all of the issues you achieve in your intern period. I believed that this study helped me to applying my five years acquired knowledge in Business environment of Mutual Funds like Grameen Mutual Fund One, AIMS First Guaranteed Mutual Fund, ICB AMCL Islamic Mutual Fund. This internship program helped me to understand the organizational environment and behavior also. This program helped us for getting practical work and giving me the opportunity to adjust the theoretical knowledge and practical experience. So, I want to give my heartiest thanks to my supervisor to give such opportunity to show my capability and aptitude in this relevant area.

A Case Study on-Foreign Exchange of the Export Import Bank of Bangladesh Limited

INTRODUCTION

1.1 Background of the report

Any academic course of study has a great value when it has practical application in real life. Only a lot of theoretical knowledge will be little important unless it is applicable in practical life. Therefore, it is an opportunity for the students to know about real life situation through this internship program. This program consists of three phases:

INTERNSHIP REPORT ON “PRESENT MARKET CONDITION OF BEXIMCO TEXTILE LIMITED”

Background

Bextex Ltd. (the "Company") was incorporated in Bangladesh as a Public Limited Company with limited liability on 8, March 1994 and commenced commercial operation in 1995 and also went into the public issue of shares and debentures in the same year. The shares of the Company are listed in the Dhaka and Chittagong Stock Exchanges of Bangladesh.

Report on Job experience at Grameenphone Ltd

2.1             Telecommunication Industry in Bangladesh: An Overview of Grameen Phone

Since the introduction of mobile phones in August 1993, the telecom industry in Bangladesh has undergone dramatic changes for the last 8 years. The potential growth of the telecom industry in Bangladesh is very prospective due to the country’s large population and relatively a small number of phones. Only 4 out of 1000 people in Bangladesh have either a fixed or a mobile phone.