Welcome

To
Our presentation
Presentation topic

Mathematics Applications in a Case

Study

A book Shop
The Triangle

SL No. Name Roll no.

01. Md. Safiul hasan 31031

02. Ayesha siddika 1011310105

7
03. Md. imadul haque khan 1011310107
5
Concept of SMEs

SMEs are usually enterprises that employ

no more than 300 employees. It varies from
country to country in the Asia Pacific region
but is usually based on employment, assets,
or a combination of the two.
Small enterprise

 (a) 10 < Employees < 50

 (b) US$100 000 < Total Assets < US$ 3
million
 (c) US$ 100 000 < Total Annual Sales < US$
3 million
Medium enterprise

 (a) 50 < Employees < 300

 (b) US$ 3 million < Total Assets < US$ 15
million
 (c) US$ 3 million < Total Annual Sales < US$
15 million
concept of SME loan

Financing is necessary to set up a

business and expand their operations. SME
loan is the financial support of small and
medium sized enterprises and represents a
major function of the general business
finance market.
SME loan in Bangladesh
SME loan in Bangladesh

In most countries, commercial banks are

the main source of finance for SMEs (Figure-
1). Like other countries in Bangladesh, many
commercial bank and Finance leasing
company provide this loan in many sectors
like trading and manufacturing
SME Foundation:

SMEF was formally inaugurated July 17,

2007. SMEs are recognized as engine of
economic growth and employment generation for
sustainable industrialization in both developed
and developing countries of the world. In context
of Bangladesh, there is no alternative of small
and medium enterprises for rapid
industrialization and national economic growth
through lower capital investment
SME Foundation

The SME Foundation is playing its role in

helping the SME entrepreneurs including the
women entrepreneurs by conducting various
programs with an aim to develop the SMEs of
Bangladesh. One of the major aims of SMEF is
to bring the grassroots entrepreneurs into the
main stream of economic development through
employment generation, reduction of social
discrimination and poverty alleviation.
Objectives of SME:

SMEs play a particularly important role in

developing countries where poverty is most
severe. The core objectives of SMEs are –
 employing poor and low-income workers,
 removing regional and sector imbalances in the
economy
 creating competitive market pressure
 making economies more flexible and more
competitive
Prime Bank Ltd and its SME function

Prime Bank was created and commencement of

business started on 17th April 1995. Prime Bank has
already made significant progress within a very short
period of its existence. They constantly focus on
understanding and anticipating customer needs.
Prime Bank offers all kinds of Commercial
Corporate and Personal Banking services. SME
function is one of them. They provide different kinds
of loan for SMEs
SME products of Prime bank Ltd.

Commercial banks are the main source of

finance for SMEs. Prime Bank Ltd. is one of
them. It provides exclusive products on the basis
of different characteristics of business.
Sahaj Rin (Collateral Free Loan):

Sahaj Rin provides you an easy to access loan facility to successfully grow

your small & medium enterprise business. It is for any justifiable business
purpose for small & medium enterprise customers. Any entrepreneur (at
least 21 years old) having the experience of successfully managing the
business for at least two years may apply for the loan.
Sahaj Rin (Collateral Free Loan):

Key Features –
 Any justifiable business purpose for small &
medium enterprise customers
 Investment amount -Tk 2 lac to Tk 6 lac
 Tenure - Maximum 36 months
Chalti Rin (Working Capital Loan)

Chalti Rin offers you the loan facility to increase the

working capital base by financing day to day business of your
Small Medium Enterprise (SME) business.
Chalti Rin (Working Capital Loan)

Key Features –
 Any justifiable working capital need for small and
medium enterprise customers.
 Investment amount - Tk. 2 lac to Tk 50 lac for small
enterprise customers and Tk. 2 lac to Tk 300 lac for
small and medium enterprise customers
 Tenure- Maximum 12 months for continuous loan
and Maximum 60 months for term loan.
Digun Rin (Double Loan):

Prime Bank's Digun Rin helps you to avoid

enchasing your long held saving and provide you the
required capital for your business operation. Under
this SME product, if you offer any encashable
security i.e. FDR, you will be entitled to receive
double amount of the value of security provided
Digun Rin (Double Loan):

Key Features –
 Any justifiable business purpose for small
and medium enterprise customers
 Investment amount - Tk 2 lac to Tk 50 lac for
both small enterprise and medium enterprise
customers
 Tenure- Maximum 60 months
Sampad Rin (Capital Loan):

Sampad Rin offers you the loan facility to augment

capital base for your business expansion, purchase of
new business space or expansion of existing outlets
and capital machineries and also to purchase light or
heavy vehicles for business use.
Sampad Rin (Capital Loan):

Key Features –
 Loan facility for business expansion, purchase of new
business space or expansion of existing outlets and
capital machineries and also to purchase light or heavy
vehicles for business use.
 Investment amount - Tk 2 lac to Tk 50 lac for small
enterprise customers and Tk 2 lac to Tk 300 lac for
medium enterprise customers
 Tenure- Maximum 60 months and grace period may be
allowed maximum 6 months
Moushami Rin (Seasonal Loan):

Moushami Rin offers you the loan facility to grab

the additional opportunities in various festivals and
seasonal events (i.e. Eids, Pujas, Christmas, Bengali
and English New Year etc.) by organizing special
business arrangements to increase sales and profit for
your SME business.
Moushami Rin (Seasonal Loan):

Key Features –
 To meet short term financing need of any
existing small and medium enterprise
customers
 Investment amount -Maximum Tk 50 lac for
SE customers and maximum Tk 300 lac for
medium enterprise customers
 Tenure- Maximum 6 months
Anchol (Women Entrepreneurs' Loan):

Anchol is the credit facility for the women

entrepreneurs to expand and operate their businesses
at desired level.
Anchol (Women Entrepreneurs' Loan):

Key Features –
 Any justifiable business purpose for Small
Enterprise women entrepreneurs
 Investment amount - Tk 1 lac to Tk 50 lac
(upto Tk. 25.00 lac unsecured limits)
 Tenure - Maximum 12 months for continuous
loan and Maximum 60 months for term loan
 Interest rate- 10% p.a.
Agriculture Banking

Abad (Crop Loan ):

It helps farmers, share cropper and
landless farmers to bear the cost of tilling of
land, fertilizers, pesticides, irrigation, seed
etc. for producing different crops and
vegetables.
Abad (Crop Loan ):

Key Features –
 Loan size: Up to Tk.3.00 lac
 Financing mode: Loan (General)
 Tenure: Maximum 6 months (Maximum 12
months for financing in banana & mango
cultivation)
Khamar ( Farm/Non-Crop Loan)

This loan is provided for capital expenses or

working capital and project finance in the
area of –
 Fisheries
 Poultry
 Hatchery.
Findings of the study :

At the end of the study we find that –

 Commercial Bank is the main source of SMEs..
 There are some requirements needed for collect
loan.
 Prime bank Ltd provides different SME products for
both men and women entrepreneurs.
 They receives low rate of interest against SME loan.
Conclusions

It is already known that Small and medium-sized

enterprises (SMEs) are the backbone of all economies
and are a key source of economic growth. SMEs
constitute the dominant form of business organization.
The findings of the study also lead us to an end that
as a commercial bank, Prime Bank Ltd Provides high
quality SME products and by using this product many
entrepreneurs of small and medium enterprises can
lead their business easily. That is why self created
employment and reduced poverty.
Recommendations

we make some findings of the study. Now we

recommend that –
 Like bank sector, other financial sectors( leasing
companies, private investors, venture capital
companies ) should come ahead strongly for SMEs.
 Should decreasing requirements for collect the loan.
 Should maintain their SME products of Prime Bank
Ltd
 Decreasing interast rate
Thaks everyone