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Rural Development Scheme

(RDS)

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Report on
Rural Development Scheme (RDS)
OF
Islami Bank Bangladesh Limited

Prepared For
Mohammad Mofasserul Islam
Faculty member of
CTHM
IUBAT

Prepared By
Md. Didarul Islam
Art: 203
Sec: D
ID# 12202076
BBA, Finance IUBAT- International University of Business Agriculture & Technology
Date of Submission: 21.03.2015

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Letter of Transmittal

Mohammad Mofasserul Islam


Faculty member of CTHM
International University of Business Agriculture and Technology
4 Embankment Drive Road, Sector 10, Uttara Model Town
Dhaka-1230.
Subject: Submission of practicum report.
Dear Sir:
With due to respect I would like to inform you that, I am Md. Didarul Islam Student of BBA
specialized in financing. This is a great opportunity & immense for me to submit this report on
the topic of Rural Development scheme of Islamic bank Bangladesh Limited. I have
prepared this report as partial fulfillment of the course BUS490: Practicum. In this report I have
tried to give all the information that I have gathered during my practical work at Islamic bank
Bangladesh Ltd. I have tried my level best to prepare this report according to my supervisors
instruction.
I express my heart full gratitude to you to go through this report for evaluating my Performance.
I would like to mention that, there may have some mistake and I Hope you will consider my
mistake. I am always available for any clarification of any part of this report at your
convenience.
Sincerely Yours,

----------------------------Md. Didarul Islam

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Student Declaration
I am Md. Didarul Islam Student of International University of Business Agriculture and
Technology, hereby declare that, the practicum report on theTitle Rural Development scheme
of Islamic bank Bangladesh Limited. is an original and authentic work done by me for the for
the fulfillment of Bachelor of Business Administration, as a part of academic curriculum. It has
not been submitted to any university or institutions for any degree or for other similar purposes.

..
Md. Didarul Islam

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Preface
Practical knowledge is a vital element of our BBA program. If the theoretical
Knowledge is not supported by the practical knowledge, the knowledge gathered
by the theoretical education will remind incomplete. Scholars also suggest that
Practical experience is more effective than theoretical knowledge.
As a student of Business Administration, I undertook my internship program on the Rural
Development scheme of Islamic bank Bangladesh Limited. During my internship program, I
had tried my best to collect the information related to my study topic and prepared the report
within a short time. That is why, there may have some unexpected mistake in the report. I regret
for any mistake in this report.

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Acknowledgement

This is high time for me to convey my deepest gratitude and sincere submission to the Almighty
ALLAH for giving me the opportunity to accomplish such a huge task of preparing this report. I
convey my heartfelt thanks to my honorable Supervisor Dost. Md. Shamsuzzaman and course
coordinator Tanvir H DeWan for their careful suggestion and enthusiasm bringing words at
every time during the preparation of this report. Also I am grateful to Islamic bank the people
who helped a lot by giving all necessary information.

Table of Contents
Table of Contents
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Title

Page no

Preparatory Part
Title Fly

Title Page

ii

Letter of Transmittal

iii

Student Declaration

iv

Preface

Acknowledgement

vi

Table of contents

vii-x

List of Illustration

xi

Executive summery

xii

Part: 2. Organization Part


2.1

History of Banking

2.2

Islamic Bank

2.3

Islamic Banking

2.4

History of IBBL

2.5 Difference between IBBL and other conventional bank

2.6

Corporate information

2.7 Mission of IBBL

7
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2.8 Vision of IBBL


2.9 Values

7
7

2.10 Features of Islamic Bank

2.11 Objectives of Islamic Bank

2.12 Main function of IBBL

2.13 Departments of IBBL

2.14 Management Team

2.15

Hierarchy of IBBL

10

2.16

Islamic Bank Khulna Branch

11

2.17

Hierarchy of IBBL, Khulna Branch

12

2.18

Customer of Khulna Branch

13

2.19

Credit Rating Report

13

2.20

Corporate social Responsibility

13

2.21 Sariah council

14

2.22 Prevention of money laundering

14

2.23 Internal control and compliance

14

Part-3 Function of Rural Development Scheme (RDS) of IBBL


3.1 Introduction

16

3.2 Objectives

16

3.3

17

Integrated Development approach

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3.4

Command area and baseline survey

3.5

Performance of RDS

17
18-19

3.6 Purpose, period and ceiling of investment

20

3.7

Rate of Return

20

3.8

Process of RDS in IBBl


a) Savings plan
b) Centre fund
c) Sanction and disbursement
d) Supervision, Follow-up and Monitoring
e) Investment under MEIS

3.9

21
21
21
22
22

Areas of RDS
A) Education
I.
II.
III.
IV.
V.

Rate of scholarship
Gift of education
Pre- primary school
School room
Appointed procedure of teaching staff

B) Rehabitation

Part-4

23
23
24
24
24
24

Report Part

4.1 Introduction

27

4.2 Significance of study

27

4.3 Objective

27

4.4 Scope

27

4.5 Limitation

27

4.6 Mythology

27

4.6.1 Sources and Collection of data

28
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4.6.2Sample size

28

4.6.3

Sampling Procedure

28

Hypothesis Development

29

4.6

4.8 Hypothesis Testing

30

Part-5 My job at IBBL in Khulna Branch


5.1 The Nature of the Jobs and my Specific Responsibilities
5.2 Observation

42
44

Part-6 Findings and Recommendation


6.1 Findings
6.2 Recommendation
6.3 Conclusion

List of Illustration

46
47
48

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1. Hierarchy Level of IBBL

10

2. Hierarchy Level of IBBL in Khulna Branch---------------------

12
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3. Figure 1-------------------------------------------------------- 31
4. Figure 2---------------------------------------------------------- 32
5. Figure 3--------------------------------------------------------- 33
6. Figure 4--------------------------------------------------------- 34
7. Figure 5---------------------------------------------------------- 35
8. Figure 6---------------------------------------------------------- 36
9. Figure 7--------------------------------------------------------

37

10. Figure 8--------------------------------------------------------- 38


11. Figure 9--------------------------------------------------------- 39
12. Figure 10-------------------------------------------------------- 40

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