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The Role of SME Loan in Small Business Management

The Role of SME Loan in Small Business Management. Presented by : ICON. Personal Profile. Rezaul Karim Sohel ID:2006/01 Hobby: Debating Favorite Quote: You are not for you only, Society too. Definition of SMEs. SME Loan. Purposes Working capital Purchase pf capital machinery

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The Role of SME Loan in Small Business Management

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  1. The Role of SME Loan in Small Business Management Presented by: ICON

  2. Personal Profile • RezaulKarimSohel • ID:2006/01 • Hobby: Debating • Favorite Quote: You are not for you only, Society too.

  3. Definition of SMEs

  4. SME Loan Purposes • Working capital • Purchase pf capital machinery • Refurnishing office or business promises etc. • Small Business is a loan facility designed to finance small scale trading, manufacturing and service ventures, especially to help small and medium entrepreneurs to meet their short-term cash flow shortages and bridge the fund-flow gaps.

  5. Income generation Role of SME Loan Employment generation Business Expansion

  6. Improvement of managerial efficiency Role of SME Loan Improvement of Living Standard Economic self sufficiency

  7. Requirements of getting loan National ID Card Trade license TIN Business Experience Personal grantor Business plan Financial statements Mortgage Collateral Security

  8. Financial Institutions Brac Bank: Brac Bank Ltd Eastern Bank Ltd Dutch Bangla Bank Ltd City Bank Ltd AB Bank Ltd Bangladesh Krishi Bank Janata Bank United Commercial Bank BASIC Bank Ltd Leasing Company: • IDLC Ltd • Lanka Bangla Finance Ltd

  9. Personal Profile • AhsanulHoque • Exam roll:2006/04 • Class roll: 5031 • Hobby: Travelling • E-mail: ahsanmgt.cu@gmail.com

  10. Brac Bank: • Started its business in 2001 • One of the fastest growing bank • Deserves 1st position in providing SME Loan • Having 421 SME centers • Distributed Tk 14,500 cores for SME loan purpose • Given SME loan to 320,000 entrepreneurs Brac Bank SME Products: Apurbo Rin • Given to those people who are involved in trading, manufacturing, agriculture and agro-based industries • 3 years experience • Max loan Tk 50 Lac • Given at a competitive interest rate • Have to repay within 36 months

  11. AnonnoRin • 2 years experience • Given to small businesses • Min loan Tk 3 Lac and Max Tk 10 Lac • Interest rate 17% • Have to repay within 36 months DigoonRin • Given to SMEs • 2 years experience • Min loan Tk 5 Lac and Max loan Tk 30 Lac • Interest rate 17% • Have to repay within 36 months ProthomaRin • Given to SMEs operated by women entrepreneurs • 2 years experience • Min loan Tk 3 Lac and Max Tk 10 Lac • Interest rate 15% • Have to repay within 36 months AroggoRin • Given to private health service providers • 2 years business experience • Min loan Tk 3 Lac and Max Tk 30 Lac • Interest rate 17% • Have to repay within 48 months

  12. Durjoy Rin • Given to SMEs for working capital purpose • 2 years experience • Min loan Tk 3 Lac and Max Tk 25 Lac • Interest rate 18% • Have to repay within 5 years Proshar Rin • Given to SMEs involved in manufacturing business • 2 years experience • Min loan Tk 3 Lac and Max Tk 30 Lac • Interest rate 17% • Have to repay within 60 months Trade Plus Loan • Given to SMEs involved in export-import businesses • 2 years experience • Max loan Tk 30 Lac • Have to repay within 6 months Business Equity Loan • Given for commercial purpose • Having business in Dhaka and Chittagong metropolitan areas • Max loan Tk 3.5 cores

  13. Personal Profile • ShahidulAlam • Exam roll:2006/38 • Class roll: 4905 • Hobby: Angling • E-mail: shahidula49@gmail.com

  14. Dutch-Bangla Bank: • Most innovative & technologically advanced bank • Estd.1995 • Launched the first ATM booth in the country • Having most ATM booth in the country DBBL SME Products: • Smart SME Cash- Credit • Small shop Financing Scheme • DBBL Smart Women Entrepreneur Smart SME Cash- Credit: • Target customers: manufacturing, trading and service businesses • Security: loan exceed Tk. 5 lac • Loan amount: Min- 1 Lac Max- 50 Lac • Interest rate: 14%

  15. Small shop Financing Scheme: • Purpose: seasonal financing • Target customers: manufacturing, wholesaling, retailing activities • loan amount: Max loan 5 lac • Interest rate: 17% DBBL Smart Women Entrepreneur: • Target customers: SMEs run by women entrepreneurs • Funding: central bank • loan amount: Min- 1 Lac Max- 5 Lac • Interest rate: 13%

  16. Personal Profile • MashiurRahman • Exam roll:2006/05 • Class roll: 4953 • Hobby: Playing cricket • E-mail: mashiur4953@yahoo.com

  17. Eastern Bank: • Started its business in 1992 • One of the leading commercial bank • Its started its SME banking in 2003 EBL SME Products: EBL Puji: • Given SMEs for any business purpose • 3 years experience • Min loan 5 lac & maxi loan 50 lac. • Loan amount exceeding 9 lac 90 thousands requires collateral security. • Have to repay within 36months

  18. EBL Agrim • Given for any business purpose • Collateral free loan • Min loan 2 lac & max 9 lac 50 thousands • Have to repay within 6 months • Personal guarantee is required. EBL Bannijyo • Given SMEs involved in import businesses • 1 year experience • Max loan amount 2 corers • Have to repay in equal monthly installment . • 30-40% of total limit is required in the form of FD as collateral. EBL Subidha • Given for any business purpose • Available at any EBL Branch • Min loan 1 lac • Collateral free up to 10 lac EBL Asha • Given to sole proprietors or private limited companies • 1.5 year business experience • Collateral free loan • Min loan 2 lac & max 9 lac 90 thousands • Have to repay within 24 months

  19. EBL Mukti: • Given to SMEs for any business purpose • It is only given to women entrepreneurs • Collateral free loan • Max loan amount Tk 3 Lac • Interest rate 10% which is lowest in the country • Have to repay within 18 months EBL Uddog: • Given to SMEs for any business purpose • 1.5 years experience • Min loan Tk 6 Lac and Max Tk 50 Lac • Have to repay within 60 months

  20. Personal Profile • AnikMohajan • Exam roll:2006/09 • Class roll: 4911 • Hobby: Watching cricket • E-mail: anikmohajan@gmail.com

  21. Problems Of SME Loan Disbursement 1) Delay In Repayment Of Loan 2) Trustworthiness Of Loan Borrower 3) Failure To Submit Proper Business Plan

  22. Problems of SME Loan Disbursement Failure To Submit Financial Statement Lack Of Entrepreneurial Knowledge Lack Of Govt. Support

  23. Problems Of SME Loan Disbursement Lack Of Available Fund High Rate Of Interest Rate

  24. Recommendations Provide Consultancy Service Reduction Of Interest Rate Increase Fund For SME Increase Govt. Support

  25. Conclusion: SME Loan is playing a positive role for the development of SME entrepreneurs. This Sectors can also be Well established by proper management of SME Loan. New entrepreneur now can encourage to take risk of starting business to apply their innovative ideas and to have freedom of life.

  26. THANK YOU FOR BEING WITH US

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