July 11, 2009

Monika Charkraborty
Department of Management
Faculty of Business Stadies
Jagannath Unuversity
Dhaka.
Re: Submission of Term paper.
Dear Madam,
Please accept the term paper entitled “SME loan in Bangladesh.” This is done for the partia
Your kind approval and suggestions to this report will be highly appreciated.
Sincerely,
Shamol Chandra Sen
Abdulla-Al-Monir
Mahboob-Al-Rashid
Maksuda Akter
Rashedul Hasan

Acknowledgement
First of all we like to thank to the almighty Allah, Who creates me and help me to do this
We are grateful to my family and others.

Thank You

Contents
Page No.
I. Abstract 1-1
II. Main Tex
Commercial Bank of Ceylon PLC 2-2
SME loan & Entrepreneur 2-2
SME loan and CBC 3-3
SME Loan Details 3-5
III. Conclusion 5-5
IV. Reference 6-6
V. Attachment
Questionnaire 8-8
Annual financial Report 9-13
Abstracts:
This paper is written from the perspective that the situation of entrepreneur to get the SM
It is turf work to work with all private banks as we select Commercial Bank of Ceylon PLC B

Main Tex:
i. Commercial Bank of Ceylon PLC:
With an unblemished history of nearly a century in the Sri Lanka's Banking arena, C
Over the period of last 5 years of operation in Bangladesh, CBC has expanded its branch net
ii. SME loan & Entrepreneur:

Though SME concept is nothing new, as evident from the establishment of Bangladesh
SME means Small and medium enterprises (also SMEs, small and medium businesses, SMB
In the view of bank SME means different. Commercial bank of Ceylon PLC (CBC) define
The new account holder (only this bank) evaluate as new entrepreneur and existing a

iii. SME loan and CBC:

Commercial Bank of Ceylon (CBC) launched its SME (small and medium entrepreneur) lo
SMEs are at the core of our economic development and many FIs( Financial institute) and NBF
iv. SME Loan Details:
Commercial Bank of Ceylon PLC maintains some common and special feature for SME loa
Account:
The entrepreneur must have an account on this bank. Minimum account require
■ Must be 18 years old
■ Two passport size recant photos.
■ Nominee
■ Reference of account.
Processing Fee of Loan:
■ Fill up the application
■ 1% of processing fee on total amount of loan.
Interest of Loan:
■ Interst only 14% annually.
 Tenure of Loan:
■ Generally 5 years.
■ Extended for application.
EMI:
■ Each Month Interest
■ 60 EMI.
Security:
■ No special security money.
■ Concern with reference.
■ Optional of security money.
Loan Range:
■ Maintain Bangladesh Bank criteria.
■ Up to 200% of the fixed deposit held with the CBC
■ subject to a minimum of BDT 2 lacs and maximum of BDT 2
crore.
■ Loan rang is 50000-20000000.
Required Document:
■ Trade License
■ TIN certificate
■ CIB (Central information Breure of Bangladesh Bank)

Failure of Paying Loan:

■ For failure of paying loan, bank give two notice.
■ If individuals failure after second notice, bank send third
notice final notice.
■ After third notice, bank gives CIB objection.
■ BB (Bangladesh Bank) takes necessary steps.
As CBC start SME loan in this year, although the annual report of the bank attach for showi
In CBC with Mr. Kawsar

Conclusion:
The traditional attitude of the bankers to earn more profit shall have to be change
Though, Bangladesh Small and Cottage Industries Corporation (BSCIC) has been establ
References:
● Entrepreneurship & small Business Management, N. Siropolis
● Entrepreneurship small Business & Lives of Sucessful Entrepreneurs. A.R.Khan
● Entrepreneurship & small Business Management, Mosharaf, Bedar, Attaur
● Entrepreneurship & small Business Managemen, Mizanur Rahman.
● Annual Report of CBC

External Links:
● www.combank.net
● www.wikipedia.org
● www.corporateblog.com
● www.dailystar.net
● www.marketilebank.com
● google.search
● bing
● www.hugebookonline.com
1. Processing loan fee.

2. Interest rate of loan.

3. EMI
4. Experience / Trade license

5. Tenure of loan.

6. In case of failure of return the loan, what actions are taken.

7. Security money or other criteria.

8. Required Document.