Term paper
On
“Assessment of the operational mechanisms &achievements of the organized sectors
in the provision of rural banking & microfinance in Bangladesh”
Submitted to:
Dr. A R Khan
Professor
Dept. of Banking
University of Dhaka.
Submitted by:
Name
Roll No.
Md. Safiullah 9-004(01)
M.B.A. 9th batch
Dept. of Banking
University of Dhaka.
Department of Finance
Faculty of Business Studies
University of Dhaka.
Date of submission: March 19, 2009
Letter of transmittal
March 19, 2009
Dr. A R Khan
Professor
Dept. of Banking
University of Dhaka.
Subject: Submission of term paper on “Assessment of the operational mechanisms
&achievements of the organized sectors in the provision of rural banking &
microfinance in Bangladesh”
Dear Sir,
Please see enclosed herewith my paper on “Assessment of the operational mechanisms
&achievements of the organized sectors in the provision of rural banking &
microfinance in Bangladesh” This is a great pleasure for me to submit this paper that
you have permitted. This paper was worthwhile experience for me. I have truly enjoyed
my time attachment with the preparation of this report.
I have tried to make the report comprehensive one with in the time. Any short of
suggestion regarding the paper would be greatly acknowledge and I would feel gratified
if my paper serves its purposes.
Thanking you.
Md. Safiullah
Acknowledgement
It is my pleasure to submit this paper on “Assessment of the operational mechanisms
&achievements of the organized sector in the provision of rural banking &
microfinance in Bangladesh”. Upon completion of this paper, I pay my heartiest
gratitude to honorable sir Dr. A R Khan, Professor, Department of Banking, University
of Dhaka for your sublime guidance, warm advice and affectionate encouragement to
carry out my works as well as in preparing this paper.
Objective of the report
The main objective of the term paper is to be acquainted with the operational mechanisms
&achievements of the organized sector in the provision of rural banking & microfinance
in Bangladesh. The specific objectives are:
To have a better understanding of the
Operational mechanisms of nationalized commercial banks(NCBs)
Rural banking & microfinance involvement and achievements of NCBs.
Operational mechanisms of Private commercial banks(PCBs)
Rural banking & microfinance involvement and achievements of PCBs.
Operational mechanisms of NGOs
Microfinance involvement and achievements of NGOs.
Operational mechanisms of development banks
Rural banking & microfinance involvement and achievements of DBs.
Operational mechanisms of co-operatives
Microfinance involvement and achievements of co-operatives
Operational mechanisms of ministries, directorates & divisions
Microfinance & Microcredit involvement and achievements of ministries,
directorates & divisions
To fulfill the requirement for the successful completion of our course “Rural
banking & microfinance”
Table of Contents
Sl No. Title Page No
01 Executive Summary 01
Microfinance & Micro credit: overview 02
Microfinance activities 03
Providers of microfinance funds 04
Clients of microfinance funds 04
Causes of microfinance growth 05
Microfinance & rural banking operations of organized sectors 06
02. Nationalized Commercial Banks (NCBs)
Sonali Bank 06-07
Rural Credit 08-12
Micro credit 13-17
Agrani Bank Limited 18
Rural Credit Programmes 19-21
Janata Bank Limited 22
Micro Enterprise & Special Credit 23-24
Rupali Bank Ltd 25-27
03. Private Commercial Banks
Islami Bank Bangladesh limited 28-34
Micro-credit Programme 34-36
Trust Bank 36
BASIC Bank Limited 36
Pubali Bank 36
04. Development Banks (DBs)
Bangladesh Krishi Bank 37-41
Rajshahi Krishi Unnayan Bank (RAKUB) 42-48
05. Non-Govt. Organization (NGOs)
BRAC 50
ASA 51
Swanirvar Bangladesh 53-54
PROSHIKA 55-57
TMSS 57-58
Shakti Foundation 58-59
06. Co-operatives
Bangladesh Rural Development Board (BRDB) 60-70
BARD 71-86
RDA 87-88
07. Ministries/Directories/Divisions
Ministries/Directories/Divisions 89-91
Ministry of Finance (Banking division) 91-92
Rural development & cooperative divisions 93-94
Ministry of women &children affairs 94-96
Ministry of social welfare 97-99
Ministries of Fisheries and Livestock 99-102
Ministry of Industries 102-105
Ministry of Agriculture 105-108
Ministry of Land 108-111
Ministry of Youth & Sports 111-112
Ministry of Textile 112-114
Ministry of Liberation war affairs 114-117
08. Problem identification 118-119
09. Conclusion 121
10. References 122
Appendices 122-17
