Financing Small and Medium Enterprise: A case study of BASIC Bank Ltd
Journal Title: SDMIMD Journal of Management - Year 2012, Vol 3, Issue 2
Abstract
The study was undertaken with the objective of analyzing the present Status of SME finance by BASIC Bank Ltd, Uttara Branch, and Dhaka. The data for the study were collected both from primary as well as secondary sources. The study revealed that the concerned branch provided working capital of Tk.18.5. crore in the SME sector during the study period with 13 percent interest rates which 77 percent of total loan portfolio was although purchasing fixed assets & others constituted only 23 percent of the same. Majority of the clients belonged to the age between 30 to 50 years & only 20 percent belonged to the age group of above 50 years. The profile of an enterprise as well as entrepreneur was studied as a test case for the study which generated sensation among the researchers. The study ended with some policy prescription which included more promotional activities of product & services, arranging training for both loanees & officers, analyzed customer's behavior specially repayment etc. The study concluded that by increasing the branches, BASIC Bank could expand their SME service throughout the country.
Authors and Affiliations
Mihir Kumar Roy, Munira Muatarin
Keywords
Related Articles
- EP ID EP573235
- DOI 10.18311/sdmimd/2012/2742
- Views 114
- Downloads 0
Linking Quality Management to Organizational Governance
Quality of product or service is not to be managed in isolation but to be managed through the entire set of processes that create the product and subsequently through the entire organization. This paper illustrates the l...
A Statistical Distribution for the Solvency Ratio of Indian Non-life Insurers
The Indian Insurance Industry, which was privatized in the year 1999, has witnessed steep growth in terms of its business statistics, such as number of insurance companies, number of policies issued, aggregate premium un...
A New Approach to Event Study Methodology to Evaluate and Measure the Impact of M&A Activity of Indian Banks on the Wealth Status of Shareholders
The event study methodology is extensively used to evaluate the impact of Merger & Acquisition activity on the wealth status of shareholders. This method, as shown in this paper, suffers from serious conceptual deficienc...
A Study of Differences in Financial Performance under Indian GAAP and IFRS: Case of Noida Toll Bridge Company Limited
The use of a single set of high quality accounting standards would facilitate investment and other economic decisions across borders, increase market efficiency, and reduce the cost of raising capital, in these aspects I...
The Use of Tacit Knowledge to Create Organizational Value
This article reviews, explains, compares, and synthesizes the foundational theories in knowledge management. Its central theme is that knowledge management and knowledge creation are two crucial aspects of strategic mana...