No. Preface i Letter of Transmittal ii Declaration iii Acceptance Letter iv Acknowledgement v Abstract 1 Chapter-1: Introduction 2-5 1.1 Background of the study 2 1.2 Origin of the report 3 1.3 Problem statement 4 1.4 Objectives of the Study 4 1.5 Scope of the Study 4 1.6 Limitations of the Study 5 Chapter- 2: Literature Review 6-8 Chapter- 3: Methodology 9-12 3.1 Methodology 9 3.2 Research Design 9 3.3 Study Area 9 3.4 Sample size selection/determination 10 3.5 Tools and technique of data collection 10 3.5.1 The Secondary Sources 10 3.6 Classification, analysis, interpretations and presentation of data 11 3.7 Findings of the study 11 Chapter- 4: Overview of SME 12-27 4.1 Introduction 12 4.2 Definition of Small Enterprise 12 4.3 Definition of Medium Enterprise 12 4.4 Current Status of SME Financing by Banks in Bangladesh 13 4.5 Factors that influence operations of SMEs. 13 4.6 Loan documents needed for SME financing by banks 15 4.7 Commercial Bank 16 4.8 List of banks in Bangladesh 16 4.9 About the Sample Banks 16 4.9.1 Sonali Bank Ltd 16 4.9.2 SME (Small & Medium Enterprise) Loan provided by Sonali Bank 17 4.10 Janata Bank Ltd 18 4.10.1 Functions of Janata Bank Ltd 19 4.10.2 SME loan of Janata Bank 19 4.10.3 Financing in SME Sector 19 4.11 Jamuna Bank Ltd. 20 4.11.1 Types of SMEs loan provided by jamuna Bank 20 4.12 Pubali Bank Limited 24 4.13 Types of SMEs loan provided by the Pubali Bank Limited 24 Chapter- 5: Data Analysis 27-36 5.1 Contribution of Commercial Banks by Providing SMEs loan 27 5.2 Contribution of two Government Banks towards SMEs Sector 28 5.3 Contribution of two Private Banks towards SMEs Sector 30 5.4 Comparison Between government banks and private banks 32 5.5 SME entrepreneur who take or not take SME loan 33 5.6 Sector wise contribution of SME in GDP of Bangladesh 34 5.7 Growth Pattern of SME 35 5.8 Growth Pattern of Manufacturing Sector 36 Chapter- 6: Findings 37-38 Chapter- 7: Recommendation and Conclusion 39-40 7.1 Recommendation 39 7.2 Conclusion 40 Reference 41-42 List of Figures Figure No. Name Page
01 Business Type & Business Sector 27
02 Business Type & Business Sector (2) 28
03 Achievement of Target Given by Bangladesh Bank 29
04 Yearly Achievement of Target Given by Bangladesh 31
05 Comparison between Government Banks and Private Banks of 32 distributing SME loan
06 whether or not they take Bank loan to operate their SME 33
07 Sector wise contribution of SME 35
List of Tables Table No. Name Page
01 Criteria for Small Enterprise 12
02 Criteria for Medium Enterprise 13
03 Industrial Origin Sector 15
04 Contribution of two Government Banks towards SME 28
Financing 05 Contribution of two Private Banks towards SME Financing 29
06 Comparison between Government and Private Banks 32
07 Sector wise contribution of SME 34
08 Growth Pattern of SME 35
09 Growth Pattern of Manufacturing Sector 36
Abbreviations ADB Asian Development Bank BB Bangladesh Bank BBS Bangladesh Bureau of Statistics BIBM Bangladesh Institution of Bank Management BSCIC Bangladesh Small and Cottage Industries Corporation CIB Credit Information Bureau FB Foreign Bank FI Financial Institution FY Financial Year GDP Gross Domestic Products MFI Micro finance Institutions MIDAS Micro Industry Development Assistance and Services MoF Ministry of Finance NASCIB National Association of Small and Cottage Industries of Bangladesh. NBFI Non-Bank Financial Institutions NGO Non-Government Organization OECD Organization for Economic Co-operation and Development PCB Private Commercial Bank SB Specialized Bank SE Small Enterprise SME Small and Medium Enterprise SOB State Owned Bank TIN Tax Identification Number