Table of contents

SL. Particulars Page

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 Financing 28

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