Define entrepreneurship:

The capacity and willingness to develop, organize and manage a business

venture along with any of its risks in order to make a profit. The most
obvious example of entrepreneurship is the starting of new businesses.
Peter Drucker, known as "The Father of Modern Management," said
entrepreneurship centers around innovation.
"Entrepreneurs need to search purposefully for the sources of
innovation, the changes and their symptoms that indicate opportunities
for successful innovation," Drucker said. "nd they need to know and to
apply the principles of successful innovation."
characteristics that most successful entrepreneurs
!hile there are no specific traits common among all entrepreneurs, the
"niversity of #llinois $enter for Economic and Financial Education
%elieves there are certain characteristics that most successful
entrepreneurs possess, including&
Ability to Plan: Entrepreneurs must %e a%le to develop %usiness
plans to meet goals in a variety of areas, including finance, marketing,
production, sales and personnel.
$ommunication 'kills& Entrepreneurs should %e a%le to e(plain, discuss,
sell and market their goods or service.
Marketing Skills& )ood marketing skills, which result in people
wanting to %uy goods or services, are critical to entrepreneurial success.
Interpersonal Skills: The a%ility to esta%lish and maintain positive
relationships with customers and clients, employees, financial lenders,
investors, lawyers and accountants, among others, is crucial to the
success of the entrepreneur*s %usiness venture.
Basic Management Skills: Even if entrepreneurs hire others to deal
with the day+to+day tasks of the %usiness, entrepreneurs need to know
whether their company has the correct resources.
Leadership Skills: The a%ility to develop a vision for the company and
to inspire employees to pursue it is imperative for success.
Many of history,s top %usiness leaders earned their success thorough
entrepreneurship. This includes
-enry Ford, !alt Disney, $oco $hanel, .ay /roc, 0ohn .ockefeller,
Mark /ay sh, P.T. 1arnum and Estee 2auder.
Mark $u%an, .ichard 1ranson, 1ill )ates, 3prah !infrey, Donald
Trump, Martha 'tewart and .ussell 'immons are among today,s most
successful entrepreneurs. The list includes nita .oddick, founder of
The 1ody 'hop, who %elieves entrepreneurship is all a%out survival.
"4o%ody talks a%out entrepreneurship as survival, %ut that,s e(actly
what it is and what nurtures creative thinking," .oddick said. ".unning
that first shop taught me %usiness is not financial science5 it,s a%out
trading& %uying and selling."
What is the Role of an Entreprener in
Economic !e"elopment
The entrepreneur who is a %usiness leader looks for ideas and puts them into effect in
fostering economic growth and development. Entrepreneurship is one of the most important
input in the economic development of a country. The entrepreneur acts as a trigger head to
give spark to economic activities %y his entrepreneurial decisions. -e plays a pivotal role not
only in the development of industrial sector of a country %ut also in the development of farm
and service sector. The ma6or roles played %y an entrepreneur in the economic development
of an economy is discussed in a systematic and orderly manner as follows.
#$% Promotes &apital 'ormation:
Entrepreneurs promote capital formation %y mo%ilising the idle savings of pu%lic. They
employ their own as well as %orrowed resources for setting up their enterprises. 'uch type of
entrepreneurial activities lead to value addition and creation of wealth, which is very
essential for the industrial and economic development of the country.
#(% &reates Large)Scale Employment *pportnities:
Entrepreneurs provide immediate large+scale employment to the unemployed which is a
chronic pro%lem of underdeveloped nations. !ith the setting up.of more and more units %y
entrepreneurs, %oth on small and large+scale numerous 6o% opportunities are created for
others. s time passes, these enterprises grow, providing direct and indirect employment
opportunities to many more. #n this way, entrepreneurs play an effective role in reducing the
pro%lem of unemployment in the country which in turn clears the path towards economic
development of the nation.
#+% Promotes Balanced Regional !e"elopment:
Entrepreneurs help to remove regional disparities through setting up of industries in less
developed and %ackward areas. The growth of industries and %usiness in these areas lead to a
large num%er of pu%lic %enefits like road transport, health, education, entertainment, etc.
'etting up of more industries lead to more development of %ackward regions and there%y
promotes %alanced regional development.
#,% Redces &oncentration of Economic Po-er:
Economic power is the natural outcome of industrial and %usiness activity. #ndustrial
development normally lead to concentration of economic power in the hands of a few
individuals which results in the growth of monopolies. #n order to redress this pro%lem a
large num%er of entrepreneurs need to %e developed, which will help reduce the
concentration of economic power amongst the population.
#.% Wealth &reation and !istribtion:
#t stimulates e7uita%le redistri%ution of wealth and income in the interest of the country to
more people and geographic areas, thus giving %enefit to larger sections of the society.
Entrepreneurial activities also generate more activities and give a multiplier effect in the
economy.
#/% Increasing 0ross 1ational Prodct and Per &apita Income:
Entrepreneurs are always on the look out for opportunities. They e(plore and e(ploit
opportunities,, encourage effective resource mo%ilisation of capital and skill, %ring in new
products and services and develops markets for growth of the economy. #n this way, they
help increasing gross national product as well as per capita income of the people in a country.
#ncrease in gross national product and per capita income of the people in a country, is a sign
of economic growth.
#/% Impro"ement in the Standard of Li"ing:
#ncrease in the standard of living of the people is a characteristic feature of economic
development of the country. Entrepreneurs play a key role in increasing the standard of
living of the people %y adopting latest innovations in the production of wide variety of goods
and services in large scale that too at a lower cost. This ena%les the people to avail %etter
7uality goods at lower prices which results in the improvement of their standard of living.
#2% Promotes &ontry3s E4port 5rade:
Entrepreneurs help in promoting a country,s e(port+trade, which is an important ingredient
of economic development. They produce goods and services in large scale for the purpose
earning huge amount of foreign e(change from e(port in order to com%at the import dues
re7uirement. -ence import su%stitution and e(port promotion ensure economic
independence and development.
#6% Indces Back-ard and 'or-ard Linkages:
Entrepreneurs like to work in an environment of change and try to ma(imise profits %y
innovation. !hen an enterprise is esta%lished in accordance with the changing technology, it
induces %ackward and forward linkages which stimulate the process of economic
development in the country.
#7% 'acilitates *"erall !e"elopment:
Entrepreneurs act as catalytic agent for change which results in chain reaction. 3nce an
enterprise is esta%lished, the process of industrialisation is set in motion. This unit will
generate demand for various types of units re7uired %y it and there will %e so many other
units which re7uire the output of this unit. This leads to overall development of an area due
to increase in demand and setting up of more and more units. #n this way, the entrepreneurs
multiply their entrepreneurial activities, thus creating an environment of enthusiasm and
conveying an impetus for overall development of the area.
Women Entrepreneurs of Bangladesh Current situations & ICT
n recent years, like other developing countries of the world, Bangladesh has been
focusing attention on the most disadvantaged group in the society the women.
Realization has gradually dawned on all concerned that a society cannot afford to waste
half of its human resources by discrimination on grounds of sex. This increasing
awareness on the part of the government has led to the adoption of national policies to
facilitate a development process involving women in all spheres particularly in economic
activities focusing especially on entrepreneurship development. The overwhelming
maority of women in Bangladesh are not only poor, but also caught between two vastly
different worlds ! the world determined by culture and tradition that confines their
activities inside family homesteads, where they are regarded more as a commodity
necessary only for bearing and rearing children and the world shaped by increasing
landlessness and poverty that focus them outside into various economic activities for
survival. "n Bangladesh, the women entrepreneurs, who have accepted the challenges of
life and have emerged as leaders in the socio# economic development, earn for
themselves and for their families or contributing towards the socio# political upliftment of
the women. "n our country women lack assistance is in the access to credit, provision of
skill training, and market facilities.
$omen entrepreneurship in the rural industries is a new arena in the socio# economic
environment of Bangladesh. "n view of the need to bring the rural womenfolk in the
development stream of the country, both the %overnment, the &%'s and other related
agencies have provided ample opportunities to promote entrepreneurial skill among
women. "ncome# generating activities, credit facilities, skill training, market opportunities
have all combined to pave the way for the emergence of entrepreneurial development
among women in rural Bangladesh.
$omen have achieved good prospects in industry, especially the small and cottage and
micro#home#based ones. Their present involvement in manufacturing and in the recent
trends of their involvement in construction activities in growing numbers is likely to
continue. $omen have emerged as exporters and their control of export# oriented
industries, are promising areas for enhanced female participation and employment.
$omen(s growing involvement in the construction of civil works gives evidence to their
potential regarding market growth opportunities and should be encouraged. To stimulate
female entrepreneurship and create further employment opportunities, training programs
for relevant issues, need to be provided to women currently in business. $here women
have access to market information and display of products they can increase their
business acumen, especially with respect to demand for a wide# range of products they
might choose to produce.
Types of )roduction *nits and Trades include the common small scale production units
such as +andicrafts with various types of raw materials, +andloom $eaving , -pinning,
Basketry, .at making, .anufacture of /oir products. 0ishing &et making, )addy husking
by 1heki, 'il production by %hani, 2ute production and sale, 2ute goods production.
)ottery, /ane and bamboo products, -eri culture, -ilk weaving, +oney .aking, -creen
print , Batik, 3mbroidery, 1ressmaking. Tailoring, )uffed Rice .aking, 0ood
production4 packed or retail sale of dry food5, 0ood )rocessing, $ood craft , 0urniture,
.olasses making, Biri4 indigenous cigarette made with special leaves5 production, .ilk
production units, dairy and milk products, 1yeing and printing, Book Binding,
/onfectionery, *rea .olasses Block4 cattle feed5 etc., &ursery and +orticulture
production. 6itchen gardening, poultry rearing4 sale of eggs, poultry, chicks5, goat and
sheep rearing, cattle fattening are common agro# based occupations.
$omen entrepreneurs should be provided special facilities to develop their enterprises.
These include7
485 1evelopment Banks with separate advisory service cell for women9
4:5 -eparate counters in counters in commercial banks for women9
4;5 <rrangement of exclusive fairs to promote products manufactured by small , cottage
based units9
4=5 0ixed >uota of stalls for women entrepreneurs at export fairs9
4?5 -pecial market facilities both in the domestic and the international arena.
%overnment resources are limited. "nfrastructure development and other broad sectors of
economy demand and consume maor share of the national development budget. "t is
thus sometimes said that poverty alleviation goal receives more palliatives than
substance. "n face of things as they stand, both the %'s and the private sector have a
maor responsibility to promote entrepreneurship development for women. $ithout that
the advancement of women will remain a far cry.
Role played by BSRS for women entrepreneur development:

'n behalf of the government B-R- has arranged some policies and schemes to promote
the development of women entrepreneurship. @ery few women entrepreneurs have so far
taken loan from B-R-. This is due to the loan granting process and the formalities that
are re>uired to meet make a bit difficult for women to get the loan amount. +owever
B-R- with the help of some other &%'s( has taken initiatives such as7
485 -etting up of a $omen 3ntrepreneurship 1evelopment /ell9
4:5 "dentification of women entrepreneurs of Bangladesh9
4;5 )lanned )ublication of a directory of women entrepreneurs with their
addresses, forms of business, products manufactured etc.9
4=5 'rganizing entrepreneurship development training9
4?5 /o#organizing convention of women entrepreneurs, discussion meetings on the
problems and prospects of women entrepreneurship in Bangladesh in the grass root level
4A5 <rranging market opportunities.
Women in ICT: Bangladesh View:

%eneral perception of "/T sector comes as a non discriminatory sector. $ith intellectual
labor as its capital, "/T can become as a magic wand to disseminate all ine>uality.
This year marks 4.arch BC5 the DEth "nternational $omen(s 1ay 4"$15. )ursuant to the
declaration by the -ocialist )arty of *-<, the first &ational $omen(s 1ay was observed
across the *nited -tates on 0ebruary :C, 8DBD. But in the :nd "nternational /onference
of -ocialist $omen, held in /openhagen in 8D8B, it was resolved to observe an annual
women(s day as a uniform international action. The date was nominated in recognition of
the *nited -tates( %arments workers( demonstration, which was held on .arch BC, 8C?A.
The purpose of the demonstration was to increase the wage and reduce the working
hours of the %arments workers. %overnment of Bangladesh started to observe the
"nternational $omen(s 1ay since .arch BC, 8DC=.
"nternational $omen(s 1ay stands for e>uality between women and men. 1uring
"nternational $omen(s Fear in 8DA?, "nternational $omen(s 1ay was given official
recognition by the *nited &ations and was taken up by many governments throughout the
world. "nternational $omen(s 1ay is a time to reflect on progress made to call for change
and to celebrate acts of courage and determination by ordinary women who have played
an extra ordinary role in the history of women(s rights.
"n our country also women are being seen in frontlines to fight against hunger, poverty
and environmental degradation. -o, on this day, let us think about empowering women
also through "/T 4"nformation and /ommunication Technology5. Because it is an essential
part like other goals for winning the fight in the lives of women. "t will increase resources
in their hands to be self reliant and empowered and reduce discrimination against them. "t
is a part of placing their issues at the forefront of policy action.
.icro#credit for self#employment empowers women(s decision#making capacity. Gikewise,
an amount of money, which women need to be "/T experts and to establish "/T firms, will
help them earn more money and to be more empowered. :BB? has been declared as the
Fear of .icro /redit by the *nited &ations.
This is why %overnment of Bangladesh as well as the non governmental organizations
4&%'s5 should start to distribute small loans among interested women to encourage
them to be self#reliant by learning and working in "/T sector. The third of the .illennium
1evelopment %oals 4.1%s5 of the *nited &ations is to achieve gender e>uality and
empower women. "t seeks to rectify the disadvantages through policies and programmes
which build women(s capabilities, improve their access to economic and political
opportunity guaranteeing their safety. -o, "/T will definitely play a supportive role to reach
this goal soon.
How an ICT help women!
"/T can benefit women in many ways. "t can facilitate their participation in different
sectors and different regions. "t can provide the information women need to improve their
own well#being and that of their families. The introduction of computers into offices has
improved the >uality of work and scope for women in data entry, analysis, programming,
clerical and administrative occupations. .ore over "/T allows them to exchange views,
opinions and information so much, which may not be possible through other media.
"/T has a strategic link with poverty reduction. The "nternet, email and mobile phones top
the list of new tools. "/T can directly empower women as well as the poor people by
offering access to services historically unavailable to them because of high cost or lack of
infrastructure, particularly in rural areas. &ow buying#selling or renting "/T e>uipment
itself is a source of income. .obile phone has already ushered in such income among
many a rural woman in Bangladesh. The computer training institutes in our country
should set the course curriculum in accordance with the need and demand of our country.
<ccess to the "nternet is still very limited for several reasons, like poor teledensity, poor
electricity, poor affordability of computer and knowledge about the "nternet. )ublic "nternet
access is very limited in the private telephone canters and cyber cafes. Though the
divisional head>uarters and some district towns have access to "nternet, but the
commercial use of "nternet is limited due to the bandwidth limitation. 1espite the rapid fall
in the cost of the "nternet services, it is still high for the general people and students. That
is why it is necessary that,
H<ccess to "nternet exchange should be at par throughout the country.
H< high#speed national data network for the country connecting all important cities, district
head>uarters and important upazilas should be established. BTTB(s upazila level "nternet
proect should be implemented.
HTechnical assistance from internationally reputed companies should be sought to build
proper networking infrastructure throughout the country. The relationship with
"nternational Telecommunication *nion 4"T*5 should be strengthened for reducing digital
divide.
H)roper use of %lobal "nformation -uperhighway should be ensured.
H<ll schools, colleges and universities should be brought under "nternet network. This is
an emergency programme to be initiated earlier. <s a result women from rural areas will
be able to get access to use of "nternet as well as to be trained up on "/T.
<ccess to "/T at university level has achieved a very limited success. The "/T
penetration in primary, secondary and higher secondary level is not satisfactory at all.
'nly a limited number of urban schools and colleges have "/T facilities for education
purpose. There is a huge mismatch between the market demand and the courses offered.
$e do not produce ade>uate number of >ualified "/T professionals in our educational
and training institutions to cater to domestic demand. The migration trend of >uality "/T
professional is alarming. -o, we should7
H"mplement education programme in software engineering, computer communication and
multimedia with curriculum that incorporates the latest technology.
H"ntroduce Ibasic computer skills( as a compulsory subect for all students at "ntermediate
and %raduate level.
H)olytechnics and other training institutes should offer diploma in "/T.
H*nemployed girls, women and youth should be encouraged and given priority for "/T
training courses vis#J#vis market demand.
H1iploma and trade courses should be introduced in distance education system through
"/T network under 'pen *niversity.
H < national specialized training of teachers centre should be established for solving the
problem of acute shortage of >uality teachers in "/T.
H 0emale students and teachers of university and colleges should get free or subsidized
access to "nternet.
H<ll universities and higher educational institutions should be networked for better access
to knowledge and information.
H)rimary and secondary level education should be emphasized for long run return in "/T
industry.
H.ore training institutes on "/T for the girls and women should be established. )oor and
meritorious students, unemployed girls, women should be given free of cost training,
accommodation, training materials etc.
H <fter completion of training, bank loan may be offered to them on easy terms to set up
cyber cafK or computer, training institute in urban and rural areas.
H(2<$-( talking software can be given free of cost from the educational institutes or %ovt.
offices to the visually impaired female and male students as well as the normal software
to the disabled students.
H%ovt. of Bangladesh, BTTB as well as the mobile phone companies in our country
should encourage more unemployed women to run business of phone, 0<L, computer
compose, etc.
ICT poliy : Women Issues
+onorable )rime .inister has already declared "/T as the thrust sector. The "/T policy
aims at building an "/T#driven nation comprising of knowledge#based society by the year
:BBE. <ccording to the "/T policy, to implement the target areas, we should work hard
from now and take necessary initiatives earlier. 'n the other hand, more female "T
professionals should be encouraged to oin in accomplishing the policy and to reach the
goal of "/T also as a part of opening and building up their carrier.
"imitations

1uring the course of this report, we faced a few problems in the department of data
gathering. <s B-R- is founded on 8DA: but didn(t start operation until IC; on the other
hand, they didn(t provide commercial loans to -.3s until late (DC. $e focused on the "/T
sector so, we collected "ncubator .

Conlusion

To be kept focused on the subect of entrepreneurship during the course of this report
was one of the most rewarding experiences. <s we took B-R- to portray the investor
outlook on entrepreneurship, in our view, a rare glimpse inside the corporate mindset
toward -.3 entrepreneur development has been unveiled. $e have explored both the
entrepreneurial and the facilitator viewpoints as we have also introduced 0ornix -oft Gtd.
<s a case study to see the results of B-R- financing in entrepreneurship. $e tracked the
growth of 0ornix -oft. $e connected the reality with the theory of entrepreneurial
development that we studied in this course, in the critical analysis section. $e have also
tried to analyze the performance of B-R- by introducing numerical data for the past E
years. $e explored their loan disbursementMrecovery performance critically.
"n this paper we focused on the "/T industry. <s we were to produce this report on -.3
entrepreneurial development, our view of "/T industry both as a thrust potential industry
and an industry consisting -.3s largely made us focus on that. $e also explored the
participation of women issue in view of the "/T industry. <t the end, we followed the
market trend and tried to piece together a case in point of the prospects and barriers9 and
propositions for the "/T industry for entrepreneurial development.
-31 is a congenial term loan window for -.3 as well as /orporate clients. *nder this program .0G provides financing facilities in the form of
proect loan and working capital loan for expansion of existing ones. Basic terms and conditions of the loan are #
)roprietorship
)artnership
)rivate Gimited /ompany
)ublic Gimited /ompany
"egal #ntity
"oan Si$e
Tk.?BB,BBBM# to Tk.:BB,BBB,BBBM#
"oan Repayment %eriod
.aximum ? Fears
&ode of Repayment
.onthly and >uarterly
Inentive on Repayment
Rebate N ?O of interest for timely repayment
Seurity of the "oan
)ersonal %uarantee of the -ponsors <&1
Third party guarantee of two responsible persons for any loan within Tk.A?B,BBBM# 'R
/orporate %uarantee
.ortgage of property 'R
Gien of Term 1eposit Receipt 4T1R5 'R
Gien of .arketable -ecurities
"oan 'ppliation (ee
Tk.:BBM#
'ppraisal (ee
8O of loan amount, not exceeding Tk.?B,BBBM# and not less than Tk.?,BBBM#
Speial (eatures of the %rodut
Relatively short processing time
/ompetitive )ricing
"ncentive on Timely Repayment
Goan up to Tk.A?B,BBBM# is collateral free
0lexible repayment 4e>ual monthly or monthly reducing5
-cope for customization of the )roduct
Speial benefits for the Women #ntrepreneurs:
.0G offers -pecial incentive and flexible loan window for deserving the women
entrepreneurs under -.3.
Goan at minimum interest rate of 8BO p.a.
Goan up to Tk.:?.BB lac without any collateral security
/ustomized counseling through the women entrepreneurs( dedicated help#desk
&etworking facility through $31 4$omen 3ntrepreneurs( 1evelopment5 cell of .0G
)referential service in loan processing
'ur Gatest 'ffer
"n the business world, small and micro#businesses form an absolute maority worldwide.
Bangladesh as a developing country has started refocusing its attention on -.3 to enhance
its economic stability.
Though there is no any standard definition of -.3 in the world, we can say that small
business is a business which starts its activities with small amount of capital, small amount of
land, few numbers of employees , to serve small numbers of customers it is known as small
business.
B!"! is involved in a very wide range of activities that are not necessarily related to
industrial estate development# many are social programs aimed at supporting poorer sections
of the community. These include all of the activities currently managed by the $ro%ect
"mplementation and &anagement Division under its responsibility for the development of
rural industries which includes the 'omen(s( )ntrepreneurship Development $rogram# the
self*employment pro%ect for small and cottage industries# the $overty +lleviation $rogram#
the cottage industries development program in the !hittagong ,ill Tract +rea# the
development of bee*keeping# the development of salt industries# and creating linkages with
-outh 'elfare, 'omen(s( +ffairs, ocial 'elfare, and other organizations engaged in the
promotion of income*generating activities, with the aim of achieving integrated rural
development. These are all socially*oriented programs that might best be run and managed
outside of an industrial estates context.
B!"! is engaged in a whole host of services that are more appropriately provided by the
private sector. These include many of the ancillary services noted above, and include the
provision of assistance to enterprises to operate at optimum capacity# training programs
on technical .uality control, and providing advice on .uality standards, marketing and
financial management# developing sales promotion literature# operating a Design !enter
and providing design, product, process, and technology development assistance including
supplying prototypes of products, machinery, e.uipment, and tools for small industries#
providing training for craftsmen, technicians and managers# and undertaking proper
financial analysis and pre*investment feasibility for proper utilization of loan and e.uity
financing resources.
)roprietorship
)artnership
)rivate Gimited /ompany
)ublic Gimited /ompany
"egal #ntity
"oan Si$e
Tk.?BB,BBBM# to Tk.:BB,BBB,BBBM#
"oan Repayment %eriod
.aximum ? Fears
&ode of Repayment
.onthly and >uarterly
Inentive on Repayment
Rebate N ?O of interest for timely repayment
Seurity of the "oan
)ersonal %uarantee of the -ponsors <&1
Third party guarantee of two responsible persons for any loan within Tk.A?B,BBBM# 'R
/orporate %uarantee
.ortgage of property 'R
Gien of Term 1eposit Receipt 4T1R5 'R
Gien of .arketable -ecurities
"oan 'ppliation (ee
Tk.:BBM#
'ppraisal (ee
8O of loan amount, not exceeding Tk.?B,BBBM# and not less than Tk.?,BBBM#
Speial (eatures of the %rodut
Relatively short processing time
/ompetitive )ricing
"ncentive on Timely Repayment
Goan up to Tk.A?B,BBBM# is collateral free
0lexible repayment 4e>ual monthly or monthly reducing5
-cope for customization of the )roduct
Speial benefits for the Women #ntrepreneurs:
.0G offers -pecial incentive and flexible loan window for deserving the women
entrepreneurs under -.3.
Goan at minimum interest rate of 8BO p.a.
Goan up to Tk.:?.BB lac without any collateral security
/ustomized counseling through the women entrepreneurs( dedicated help#desk
&etworking facility through $31 4$omen 3ntrepreneurs( 1evelopment5 cell of .0G
)referential service in loan processing
'ur Gatest 'ffer
The indications from this review and the general sense among the private sector in Bangladesh
are that B!"! as an organization is in decline, it is doing too many things, and it is probably not
doing these things well, and it is doing things it should not be doing at all. The ma%or conclusion
from this is that B!"! needs to be restructured, and, if its activities are to be given a new lease
on life, it needs to be radically restructured along the following lines.
Remove Responsibility for Industrial Estate Development from BSCIC/Ministry of
Industries. The creation and development of industrial estates can be a compelling engine
for industrial development. /or example, ,ungary has been very successful in its efforts to
develop a system of industrial parks throughout the country, and now has 011 of these * all
developed since the early 0223(s, with plans in place to increase this to 453 over the next ten
years. ,ungary has thus relied heavily on industrial parks as a means of developing its
economy.
Because Bangladesh industrial estate development is focused so much on small and cottage
industries, this clouds the situation with regard to the contribution that industrial estates can make
to the country(s development. Because B!"! develops industrial estates, the perception is that
Bangladesh has an effective industrial estates development authority, when in fact B!"!(s
industrial estates are no more than a tool for providing employment to poorer rural workers.
"ndustrial estates in Bangladesh need to be used as a driving force for industrial development with
the capability of attracting every type of industry, not %ust small*scale and cottage industries.
These types of industries can benefit substantially from having space in industrial parks which
also attract and facilitate larger industries, because in at least some cases, they can learn to supply
better products as suppliers to larger companies, a factor that is not often available when they are
restricted to smaller estates. mall*scale enterprises can still be provided with plots in larger
industrial estates.
+ further point that should be considered as important is that B!"! is currently a unit of the
&inistry of "ndustries, and is thereby sub%ect to all the re.uirements that are placed on it as a unit
of the &inistry. This tends to inhibit innovation, and re.uires that the &inistry approve all
decision*making.
The ma%or recommendation here is that responsibility for developing industrial estates be
removed from the &inistry of "ndustries and that a new autonomous agency responsible for the
development of industrial estates, similar to the way that B)$6+ is set up to report to a Board of
7overnors that is headed by the $rime &inister. +lternatively, industrial estate and )$68free zone
development could be combined under a unified industrial property development framework.
Develop a New Industrial Estates Law. + significant amount of discussion will need to take
place before a decision can be taken in the 7overnment to proceed with the dismantling of the
B!"! as a developer of industrial estates and the creation of a new institution with wider
responsibilities, and incorporating a more modern approach to industrial estate development that
will include provisions for private sector involvement in estate development and management.
+ new "ndustrial )states 9aw could be drafted which could provide the impetus for movement
towards a new organization to replace B!"!, and should include provisions for the following:
+utonomy for the "ndustrial )states Development +uthority on the same basis as that
granted to B)$6+#
+ Board of 7overnors that would include the $rime &inister as !hairperson, include
&inisters from all the economic &inistries, and an appropriate number of private sector
representatives#
+ppointment of an )xecutive !hairman from the private sector who would report directly
to the $rime &inister#
+bsorption of the current B!"! industrial estate development function :which would
also include B!"! executives from relevant areas of B!"!;#
+uthority to maintain and manage its funds separately and independently from the
!entral 7overnment, but whose budget should be sub%ect to the constitutional provisions
governing the state(s general budget#
+uthority to create and develop all types of industrial estates, including estates for small
and cottage industries#
+uthority to manage, promote, regulate, plan and carry out policies agreements,
strategies, legal and regulatory standards, and plans and programs related to the
development of industrial estates in Bangladesh#
+uthority to exercise the custody, conservation, operation administration, and disposition
of tate assets under its control#
+uthority to regulate the activities of natural or corporate persons that establish
themselves with the industrial estates#
+uthority to draw up, adopt or approve the &aster $lan for the <se of 9ands and a
detailed 6oning $lan#
+uthority to enter into acts, operations and agreements for the rendering of all kinds of
services, works, technical assistance, ac.uisition of e.uipment and supplies, construction
of infrastructure and installations, as well as all that is re.uired for the proper operation
of the +uthority and the development of the industrial estates under its control# and
+uthority to make contracts, by way of lease, sale, concession, trust, assignment,
temporary use, custody and mortgage and other forms of disposition of assets, while
safeguarding the tate(s interests.
+uthority to determine and collect fees for any services rendered by the +uthority.
Restruture BSCIC!s Role in Developin" and #verseein" Soial $ro"rams. !onsideration
needs to be given to removing responsibility for the social programs currently being run by
B!"! as part of its responsibility for the development of rural industries, not least because
B!"! appears to be no longer active in most of these programs although some B!"!
workers are still engaged in them. These include all of the social programs already referred
to above, including the 'omen(s( )ntrepreneurship Development $rogram# the $overty
+lleviation $rogram# the !hittagong ,ill Tract +rea cottage industries development
program# bee*keeping training and development# and salt industries development. "t is not
possible to identify where responsibility for these programs should reside but they are all
socially*oriented programs that might best be run and managed outside of an industrial
estates context. +n independent study needs to be carried out to determine how successful in
fact, these programs have been, and how and where they should reside in the future.
$rivati%e t&ose Servies more 'ppropriately $rovided by t&e $rivate Setor. The final
agglomeration of activities that B!"! is involved in and that needs to be rationalized is the
range of consulting and research type activities that are provided to B!"! clients, including
the operation of the Design !entre# providing design, product, process, .uality control and
technology development advice# supplying prototypes of products, machinery, e.uipment,
and tools# organizing trade shows# developing sales promotion literature# providing training
for craftsmen, technicians and managers# and advising on loan utilization. +ll of these
services should be provided by the private sector, mainly through consulting services,
although the ability of the current recipients of such services to pay for them would
inevitably .uestionable if they were provided through the private sector. "t would be
necessary to carry out a study to determine how best to privatize these services.
%overnment policy
*ntil today Bangladesh could not make a standard -.3 policy to operate this sector
significantly. .oreover the government policy emphasizes on production factors rather than
human factor. +uman factor is getting the least attention for the promotion of small business
in the country. There is another problem for making the policy. %overnment is not making a
clear cut policy of developing small business in the country.
<wareness of facilities
-ometimes government offers a few facilities to the small business but owners of small
business are not aware of the available facilities in the country for establishing small
business. There is no any proper media to aware small business owner about facilities.
Training facilities
To develop entrepreneurship and small business in the country availability of training and
education facilities is must. But in Bangladesh there are hardly any training facilities for the
small businessman.
"ncentive measure
To develop the small and medium enterprise government of country has to provide the
incentive measure. But here the small entrepreneurs are deprived of such incentives.
Goan facilities
1ifferent financial institutions are offering loan facilities to small business owner. But it is a
problem that small business owner who has no any power doesn(t get loan facilities very
easily.
-ecurity
.any small business owners operate their business in open place like field, road, bus, and in
other transportation. They are not secured because they face many dangerous situations.
$omen entrepreneurship
$omen are controlled by man means husband or father or elder brother. -o women small
business can(t be operated very smoothly. "n our country there is no suitable social
environment to operate small business by women.
-mall capital
-mall business owners have no huge capital to operate the business. -o they can(t achieve
the apex of goal. .odern technology they can(t use and standard product they can(t produce.
<bove mentioned points are considered as strong barriers of -.3 development in
Bangladesh. -o it can be said that to increase the contribution of -.3s on Bangladesh
economy government, &%'s, commercial banks, others financial institutions have to put
great emphasize on -.3s sector in Bangladesh
=.= %overnment budgetary measures for the development of -.3 in :B8B
Table
-ectors
Taka4cr5
%
0iscal year
3conomy, industry
8:8D
8.BAO
:B8B#:B88
Business
8C?
B.8EO
:B8B#:B88
Bangladesh is agriculture based country. -o main priority is given to this sector always, but
comparatively business sector always gets little priority, though it has great contribution on
our economy. To develop the -.3 sector Bangladesh government has to give great priority
to this sector.
=.? Role of -.3 on economic development of Bangladesh
The role of small and medium enterprises 4-.3s5 to economic development of a country is
well organized. <cross the globe it is strongly perceived that -.3s do play vital role in the
industrial development, economic development of a country. Bangladesh is not lagging far
behind in this respect. -.3 has great opportunity in this country. 3nvironment, cheap labor,
business strategy etc are the key features of -.3.
"n view all the favorable factors9 there is an urgent need in development of -.3 in
Bangladesh as a developing country.
-.3s are characterized on the basis of size, investment and employees in most countries
across the world.
+ere are small business are those which have employees less than ?B person and have an
investment of less than tk. :?B million.
'n the other hand, medium enterprises are those which have investment between tk.:?B
million and tk. ?BB million with the number of employed workers ranging to ?B and DD.
%enerally, hand loom, food processing, lather and tannery, ceramic, light engineering,
electric and electronic, handicraft, specialized textile and garments etc are fall in the category
of small and medium enterprise.
"nformation from ."1<- suggested that, around CCO of county(s total industrial workforce is
employed in the -.3s and the sector manufactures over ;;O of industrial value added
goods.
<lthough there is no concrete information about number and types of -.3 in Bangladesh,
an estimate of the Bangladesh small and cottage industries corporation 4B-/"/5 says that,
there are over =:BBB cottage industries in Bangladesh.
There are also tens of thousands of small industries and a large number of hand loom and
power loom industries in this country.
&) Banking Division is a business division of B=+! Bank 9imited that deals with
mall and &edium sized )ntrepreneurs involved in different types of business. &)
banking division primarily provides loans to small and medium sized trading,
manufacturing, service, agriculture, non*farm activities and agro*based industries located
across the country.
The loan products offered by &) Banking Division are +>?>>?, $=?T,?&+ =">,
$=?,+=, B"6>) 9?+>, T=+D) $9< and B<">) )@<"T- 9?+> :B)9;.
The &) loan range is from BDT 4 lac to BDT 153 lac :/unded: BDT 4 lac to BDT 153
lac, >on /unded: BDT 0 lac to BDT 13 lac;. &) banking division offers Term loan,
!ontinuous :!ash covered; loan and 9etter of !redit. hort Term: up to 2 months, 9ong
Term: from 04 to 043 months. &oreover there is also a deposit product named $=+$TT"
!<==)>T +!!?<>T for the &)s.
To avail a funded SME loan 05 to 45 days are re.uired and for >on /unded &) loan,
the timeframe is 0 to 4 days from the date of application, if all the necessary papers are in
order. +t present, loans are only given to entrepreneurs who have a running business of at
least one year. The interest rate of &) loans ranges from 0AB to 0C.DB on the reducing
balance method, depending on the amount and the loan scheme. !ollateral is necessary
for loan amounts of BDT 03 lac and above. 7enerally collateral is not necessary for loan
amounts ranging from BDT 4 lac to below BDT 03 lac.
The &) loans are usually given for working capital finance, fixed asset finance and
trade finance. 9oan amount is decided based on the fund re.uirement calculation, not on
the basis of collateral value. ,owever, 9awyer(s opinion is necessary for mortgage
purpose. =egistry &ortgage is necessary generally when the loan amount is BDT 03 lac
or more. +t present &) Banking Division has reach in all EA districts of the country
through A4D unit offices. The funtional desi"nation of t&e loan offiers w&o operate
at t&e unit offies is Customer =elations ?fficers :!=?s;.
+ zone is comprised of 0*E unit offices, where the person in*charge of the zone is known
as a 6onal &anager. The reporting manager of a !=? is the 6onal &anager :6&; or
+ssociate =elationship &anager :+=&;. 6onal &anagers8 +ssociate =elationship
&anagers have the authority to approve a loan up to BDT E lac. There are 0AA 6onal
offices in &) Banking at present. + Territory is comprised of E*04 zones. There are 05
territories at present. The reporting of a 6onal &anager is the Territory &anager. The
+ssociate =elationship &anagers however report to the =elationship &anagers.
/or disbursement of any &) loan a clean !"B report is re.uired. + Falid trade license,
rental deed, and any other authorization :if necessary; are the primary documents that are
needed to get an &) loan. + number of information is re.uired along with the loan
application form i.e. "nventory list, +ccounts =eceivables list, +ccounts $ayables list,
Buyers list, uppliers list, and /ixed +sset list.
&inimum two guarantors are re.uired for an &) loan, one of whom must be a third
party guarantor and another from his 8her own family. + third party guarantor may be a
businessman or a service holder from the private sector with minimum wealth of 045B of
the loan amount. ,owever, for a family guarantor the net wealth condition is not
applicable. + guarantor of &) loan can not avail a loan from B=+! Bank as long as
he8she is a guarantor.
The core competence of the B=+! Bank is to provide the fastest loans to the clients in
this country. To retain this competitive advantage B=+! Bank would provide computer
and palmtop facilities whether they can give fastest services to clients than other banks.
+lso to convey the customer focus, B=+! Bank is trying to reduce collateral securities
than other banks. "t provides more collateral free secured loans to capture the market.
=egarding the services by the !=?, almost all clients are satisfied by getting these .uick
facilities from them. Though it is pioneer division of this bank, " tried to give an in*depth
analysis for every factor, which relates the &) division from the perspective of
customer satisfaction and dissatisfaction.

rac Bank 9imited is a scheduled commercial bank in Bangladesh. "t established in
Bangladesh under the Banking !ompanies +ct, 0220 and incorporated as private limited
company on &ay 43, 0222 under the !ompanies +ct, 022A. "ts operation started on Guly
A, 4330 with a vision to be the market leader by providing all sorts of support to people
in term of promoting corporate and small entrepreneurs and individuals all over the
Bangladesh.
Brac Bank will be a uni.ue organization in Bangladesh. The Bank consists of ma%or
divisions named 0; !orporate banking, 4; =etail banking, 1; Treasury, A; mall H
&edium )nterprise :&);. +t present the Bank operating its business by 0AC Branches.
B=+! Bank is the first local commercial banks that proving online banking service to its
customers from the very beginning of its starts.
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.
'n #verview of BR'C Ban( Ltd.
rac Bank 9imited, one of the latest generations of commercial banks, which started its
%ourney on the A
th
of Guly 4330 with a vision to be the absolute market leader. Brac Bank
is a commercial scheduled bank extending full range of banking facilities as per the
directives of Bangladesh bank. "t intends to set standards as the absolute market leader by
providing efficient, friendly and modern fully automated on*line service on a profitable
basis. B=+! Bank in surviving in the large banking arena through its uni.ue and
competitive products and it is the only local bank providing 033B integrated on* line
banking.
Brac Bank 9imited, with institutional shareholdings by B=+!, "nternational /inance
!orporation :"/!; and hore cap "nternational, has been the fastest growing Bank in
433A and 4335. +t the year end of 4335, B=+! Bank had recorded a 031 percent growth
in assets, and a E5 percent growth in liabilities, with an operating profit of DA percent
over the previous year 433A.
+ fully operational commercial bank, Brac Bank focuses on pursuing unexplored market
niches in the mall and &edium )nterprise Business, which hitherto has remained largely
untapped within the country. "n the last four years of operation, the Bank has disbursed
over BDT 0433 crore in loans to nearly 14,333 small and medium entrepreneurs. The
management of the Bank believes that this sector of the economy can contribute the most
to the rapid generation of employment in Bangladesh.
B
B
The Bank is mainly owned by the largest >7? in Bangladesh* B=+! .The Bank has
positioned itself as a new generation Bank with a focus to meet diverse financial need a
growing and developing economy.
The Bank has embarked with an avowed policy to promote broad based participation in
the Banish economy through the provision of high .uality banking service based on latest
information technology. The Bank will ensure this by increasing access to economic
opportunities for all individuals and businesses in Bangladesh with a special focus on
currently under served enterprises and households across the rural urban spectrum. 'e
believe that increasing the ability( of under served individuals and enterprises to build
their asset base and access market opportunities will increase the economic well being for
all Bangladeshis.
).) Brand $romise
*+stha ?bicholI.

).+ ,ision
*Building a profitable and socially responsible financial institution focused
on &arkets and Business with growth potential, thereby assisting
B=+! and stakeholders build a J%ust, enlightened, healthy, democratic and poverty
free Bangladesh-. Breaking barrier within 4332.

).. Mission
ustained growth in Kmall H &edium )nterprise( sector.
!ontinuous low cost deposit growth with controlled growth in =etained +ssets.
!orporate +ssets to be funded through self*liability mobilization. 7rowth in
+ssets through yndications and "nvestment in faster growing sectors.
!ontinuous endeavor to increase fee based income.
Leep our Debt !harged at 4B to maintain a steady profitable growth.
+chieve efficient synergies between the bank(s Branches, &) <nit offices and
B=+! field offices for delivery of =emittance and Bank(s other products and
services.
&anage various lines of business in a fully controlled environment with no
compromise on service .uality.
Leep a diverse, far flung team fully motivated and driven towards materializing
the bank(s vision into reality.

)./ #b0etive of t&e ban(
To provide wide range of financial services professionally, efficiently and
competitively to achieve per*eminent position in chosen market.
Diversity revenue stream through product innovation.
+ 'ell*diversified credit portfolio, which produces a reliable and consistent return
to investment.
).1 Business 2nits
There are five different business units generating business B=+! Bank 9imited:
mall H &edium )nterprise :&);
!orporate Banking
=etail Banking
Treasury
=emittance ervices
+ll the units are being operated in a centralized manner to minimize costs and risks.
Basi 'ppraisal of Small 3Medium Enterprise
usiness or pro%ect appraisal is a techni.ue of evaluating and analyzing Business from
various aspects, primarily the risks associated with that business enterprise. +t the time of
appraisal of any manufacturing, trading or service related organization, factory or
industry# one has to perform a feasibility study on the different aspects. These are:
&anagement and $ersonal +spects
Technical +spects
&arketing +spects
/inancial +spects
ocial )conomic +spects
ecurity +spect

Mana"ement and personal aspets
During the appraisal prosecute the !ustomer =elation ?fficer :!=?; should endeavor to
obtain details about the prospective borrowers, some of which are:
Business related information
!redit ,istory
9i.uidity "nformation
&anagement Background
B
"n considering the above, one should look at the business is managed. !=? should also
consider clients previous credit history like facilitates sought and availed, loan repayment
an overdue record, if anyone checks the client(s bank account and amount of balance
maintained. &anagement(s .ualification, experience, successor and maintenance of
records should provide insight in to the business.

4e&nial 'spets
/rom a business perspective, this aspects deals with design of the system in place, the
operation of the business, the different type of physical resources used, the technology
used, the capacity to handle business and all other inputs. 9abor, raw materials, utilities
etc.; +mong the technical factors to be investigated during an appraisal are:
The size of pro%ect
The process, materials, e.uipment, and reliability of technical systems to be used
9ocation of pro%ects
ustainability of the plans, layout and design used
Total .uantity of the goods 8ervice produced8Traded monthly
)nvironment of the business and its surrounding areas
+vailability to various factors of production, both physical and human
=aw materials availability, price level and its variation to be considered

Mar(etin" 'spets
+ !=? should consider the following factors of a business before making any loan
commitment with a customer:
Total demand and supply of the products in the market that the business operates in
growth of sales and ma%or marketing threats that the business may face.

5inanial 'spets
This aspect allows us to check the financial health of a business, through an analysis of
the profit and loss account, balance sheet, cash flows, ratios, and re.uirement of working
capital. "f the collection of the financial data can be done properly, then it may be able to
make a somewhat realistic picture of the business financial position. ,ow ever, all the
data collected must be crosschecked as much as possible with the physical features of
business.
The following things are to be considered and determined at the time of verifying the
financial feasibility of the business:
!urrent year(s profit8loss of the business H probable profitability of business after
taking loan
Determination of assets, liabilities and net worth of the manufacturing8 trading 8
service institution before and after taking loan
$resent net cash flow of the business after disbursement of loan should be
determined,
To know the cash position of the institution
To know the source of income, production and other expenditure of the business
probable financial risks of the business.
Soio Eonomi 'spets
,ere the analyst like to observe the contribution of the business to the country(s 7D$, the
employment generated, the sort of adverse impact of the business on the environment, if
another benefit to the country.

Seurity 'spets
+long with observation of different aspects and views of the pro%ects, the !=? should
also see closely the aspects of the pro%ects and ensure about the reliability to the
mortgaged property8assets. )nsure proper survey or verification of the security offered,
)nsure attachment of survey report.
+.) $roduts 3 Servies
&) Banking Division is a business division of B=+! Bank 9imited that deals with
mall and &edium sized )ntrepreneurs involved in different types of business. &)
banking division primarily provides loans to small and medium sized trading,
manufacturing, service, agriculture, non*farm activities and agro*based industries located
across the country.
The loan products offered by &) Banking Division are +>?>>?, $=?T,?&+ =">,
$=?,+=, B"6>) 9?+>, T=+D) $9< and B<">) )@<"T- 9?+> :B)9;.
The &) loan range is from BDT 4 lac to BDT 153 lac :/unded: BDT 4 lac to BDT 153
lac, >on /unded: BDT 0 lac to BDT 13 lac;. &) banking division offers Term loan,
!ontinuous :!ash covered; loan and 9etter of !redit. hort Term: up to 2 months, 9ong
Term: from 04 to 043 months. &oreover there is also a deposit product named $=+$TT"
!<==)>T +!!?<>T for the &)s.
To avail a funded SME loan 05 to 45 days are re.uired and for >on /unded &) loan
the timeframe is 0 to 4 days from the date of application, if all the necessary papers are in
order. +t present generally, loans are only given to entrepreneurs who have a running
business of at least one year.
The interest rate of &) loans ranges from 0AB to 0C.DB on the reducing balance
method, depending on the amount and the loan scheme. !ollateral is necessary for loan
amounts of BDT 03 lac and above. 7enerally collateral is not necessary for loan amounts
ranging from BDT 4 lac to below BDT 03 lac.
"t is compulsory for a borrower to have a current +8! either with BB9 or with a
correspondent bank branch if there is no BB9 branch or &) sales H service center in
the locality. The !ity Bank 9td, Ganata Bank, Bangladesh Lrishi Bank, $ubali Bank 9td,
+grani Bank, =upali Bank 9imited are the correspondent banks of B=+! Bank. Bank
transaction record is mandatory for +nonno :?vedraft;, Bizness 9oan, Trade $lus H
Business ).uity 9oan :B)9; only.
The &) loans are usually given for working capital finance, fixed asset finance and
trade finance. 9oan amount is decided based on the fund re.uirement calculation, not on
the basis of collateral value. ,owever, 9awyer(s opinion is necessary for mortgage
purpose. =egistry &ortgage is necessary generally when the loan amount is BDT 03 lac
or more.
'orking capital finance can be maximized up to 033B of the net re.uired working
capital or C5B of the sum total of inventory, advance payment and receivables whichever
is lower. /ixed asset finance cannot be more than 23B of the purchase price, but the debt
e.uity ratio in fixed assets investment in the pro%ected year :after purchase of new fixed
assets; cannot be more than 0 :one;. + customer can apply for a repeat loan when D3B of
the previous loan tenure has passed and made a satisfactory repayment. "f all installments
are paid on due dates, they will also get a concession on the existing interest rate.
7enerally &) only provides business loans in the enterprise(s name. ,owever, loan can
be sanctioned in the personal name of the borrowers, if the tenant borrower cannot obtain
trade license showing his name as owner of the business due to the conditionality
imposed by the market committee8owner. /ire insurance is mandatory to avail a loan
except for a few concerns like poultry, fishery, farming H wood business :preserve under
water;.
$roess6
/or disbursement of any &) loan a clean !"B report is re.uired. + Falid trade license,
rental deed, and any other authorization :if necessary; are the primary documents that are
needed to get an &) loan. + number of information is re.uired along with the loan
application form i.e. "nventory list, +ccounts =eceivables list, +ccounts $ayables list,
Buyers list, uppliers list, and /ixed +sset list.
7uarantors6
&inimum two guarantors are re.uired for an &) loan, one of whom must be a third
party guarantor and another from his 8her own family. + third party guarantor may be a
businessman or a service holder from the private sector with minimum wealth of 045B of
the loan amount. ,owever, for a family guarantor the net wealth condition is not
applicable. + guarantor of &) loan can not avail a loan from B=+! Bank as long as
he8she is a guarantor.
+.+ 5ees 3 C&ar"es
Stamp ost6
"t is the cost that will be needed in future for legal procedures. /or an &) loan the
stamp cost is BDT E43 only.
Loan 'ppliation 5ees6
The borrower has to pay BDT 433 and 05B F+T thereon as the loan application fees at
the time of loan disbursement.
Loan $roessin" 5ees6
9oan $rocessing /ee of &) loan ranges from 0B to 4.5B plus F+T of the loan amount.
Early Settlement 5ees6
)arly settlement fees of 0B to 5B plus F+T thereon will be charged on the outstanding
amount for early settlement of )&" loans of &) Banking. There is no early settlement
fee for >on )&" loans. "f a client misses the installment date, he8she will have to pay
day*wise interest on the outstanding amount.

+.. Repayment
EMI6
)&" stands for ).uated &onthly "nstallments. "t is the system where installments are
paid in e.ual amount on a monthly basis.
Sin"le payment system:
"t is the system where interest is paid monthly and the total principle is paid at maturity
:except for +nonno loan;. /or +nonno loan C3B repayment of the principal will be
realized in the following month of the highest sales8cash collection and the rest 13B will
be realized in the following second month.
Distribution6
+t present &) Banking Division has a reach in all EA districts of the country through
A42 unit offices. The funtional desi"nation of t&e loan offiers w&o operate at t&e
unit offies is Customer =elations ?fficers :!=?s;.
+ zone is comprised of 0*E unit offices, where the person in*charge of the zone is known
as a 6onal &anager. The reporting manager of a !=? is the 6onal &anager :6&; or
+ssociate =elationship &anager :+=&;. 6onal &anagers8 +ssociate =elationship
&anagers have the authority to approve a loan up to BDT E lac. There are 0AA 6onal
offices in &) Banking at present.
+ Territory is comprised of E*04 zones. There are 05 territories at present. The reporting
of a 6onal &anager is the Territory &anager. The +ssociate =elationship &anagers
however report to the =elationship &anagers.

SME Sales and Servie Center6
&) ales and ervice !enter is a distribution point of B=+! Bank 9imited to render
banking services to the &) sector across the country by reaching them .uickly,
effectively, conveniently H in a focused way.
?b%ectives of &) ales and ervice !enter are attached below:
=endering banking services to &)s in a cost effective way
+llowing &)s to systematically withdraw loan amount
mooth recovery of &) loans
=eceive H deliver foreign remittance to concerned payees
=educe dependency on correspondent banks to disburse loans through H collect
repayment
&) ales and ervice !enter has added new dimensions in catering &)s with both
loan and deposit products i.e. a complete banking solutions.
+./ 2nits of SMS Ban(in" Division
Small Business
This largest business unit of &) Banking Division has long been providing loans to
mall entrepreneurs. This business wing offers varying products. &) entrepreneurs
mostly re.uire small finance that this business unit has successfully been offering to all
level of &) borrowers.
Medium Business
This business unit meets the financing re.uirements of medium entrepreneurs. pecial
products have been designed to serve the customers of this segment.
$rodut Development
This unit develops customized and need based products for small and medium
entrepreneurs. $roduct Development wing also develops campaign and takes initiative to
design merchandises, with the help of the creative and communication division.
SME 'dministration
This unit is comprised of several wings one of which is !ompliance =eporting which
ensure compliance of internal policies H Bangladesh Bank regulations to the unit offices,
deals with client re.uests and .ueries. +nother wing named !oordination maintains
liaison of &) ,ead office with &) unit offices H other departments. 9egal guidance
and assistance is also extended to personnel at &) unit offices through this unit.
&onitoring unit reviews prevailing processes of &) Banking Division H ensures
meticulous business reporting for smooth operation.