...The SME products and functions of Prime Bank Limited [pic] Bangladesh University of business and technology (BUBT) The SME products and functions of Prime Bank Limited Prepared for: Md. zakir Hossain Lecturer Department of finance Bangladesh University of business and technology (BUBT) Prepared by: The extreme’z |SL No. | Name |Roll no. | |01. |Md. Safiul hasan |10113101056 | |02. |Ayesha siddika |10113101057 | |03. |Md. imadul haque khan |10113101075 | |04. |Fatema-tuz-zohora Tama |10113101077 | |05. |Farzana Anower |10113101090 | Intake: 25th section: 02 program: B.B.A Date of submission: 10th September, 2011 Date: 10th September, 2011 MD. zakir hossain Lecturer Department of finance Bangladesh University Of business and technology Dear Sir, It is our pleasure to submit the report on “The SME products and functions of Prime Bank Limited” as requirement of BUS-101...
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...1.0 Introduction 1.1 Origin of the Report The report has been prepared as a requirement for the completion of BBA Degree and course BUS 498, Project Work, SSM Sadrul Huda, course instructor, assigned to do an analysis report on “Promotional Activities of different private banks in Bangladesh”. For this purpose I, Mustafizur Rahman, ID – 2007-1-10-097 choose to prepare this report on Promotional Activities of 5 different private banks. The date of submission of the report is April 28, 2011. 1.2 Background Promotion is a form of corporate communication that uses various methods to reach a targeted audience with a certain message in order to achieve specific organizational objectives. Nearly all organizations, whether for-profit or not-for-profit, in all types of industries, must engage in some form of promotion. Such efforts may range from multinational firms spending large sums on securing high-profile celebrities to serve as corporate spokespersons to the owner of a one-person enterprise passing out business cards at a local businessperson’s meeting. Like most marketing decisions, an effective promotional strategy requires the marketer understand how promotion fits with other pieces of the marketing puzzle (e.g., product, distribution, pricing, target markets). Consequently, promotion decisions should be made with an appreciation for how it affects other areas of the company. 1.3 Objectives of the Study: Objectives of Marketing Promotions The most obvious objective...
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...price risk and eventual pension fund shortfalls. SMEs are intrinsically riskier borrowers than large firms, because they are more vulnerable to market changes. As already said, financing its operations is the most difficult and expensive task for SME management. As a consequence of adverse selection, smaller companies borrow at higher rates, and inflation and interest rates volatility affects them significantly. For SMEs that are trying to grow and become international, additional difficulty is represented by foreign exchange risk. SMEs usually use financial services and products less than large enterprises, mostly due to unavailability and higher costs. For example, when it comes to financing, large companies can issue a bond, while smaller ones don’t have that privilege. Also, smaller companies use less financial instrument, mostly because of lack of know-how (they often cannot afford to have expert for financial risk management, for example). Commercial risk arises as a consequence of firm’s everyday operations. It includes risk of loss resulting from inadequate or failed internal processes, people and systems, and actions of competitors. Characteristics of SMEs make it most vulnerable to commercial risk. Because of their small size, SMEs often don’t have adequate management and workforce. It creates further problems in managing internal processes, leads to mistakes, frauds and corruption. Another difficulty for SMEs is lack or inefficient use of advanced IT systems,...
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...Overview of SME On Mercantile Bank Submitted to: Sharmin Sabnam Rahman 1st Supervisor Kohinur Akter 2nd Supervisor Submitted by: SHETU GUPTA ID# 05104092 Course no-Bus400 1 May 13, 2010 Sharmin Shabnam Rahman ( Lecturer) BRAC Business School BRAC University, 66, Mohakhali, Dhaka- 1212 Dear Madam, I am very pleased to submit my internship report on “Mercantile bank Limited” which is an essential requirement for the completion of BBA program. This report is the result of the Internship Program that I have conducted in Mercantile Bank Limited at Bijoynagar Branch. All the information presented in this report is done with outmost sincerity and honesty. I have tried my best to make this report holistic and informative. Apart from the academic knowledge gained, this internship program and preparation of this report have given me the opportunity to know about the overview of SME Loan. I believe that, the experience I have acquired from this Internship Program will be a valuable asset in my life. Working with such an interesting program has given me the opportunity to achieve experience, which will be helpful in my future professional career. However, there may be some mistakes or lacking due to some limitations. Therefore, I would be highly be obliged if you would kindly consider my limitations. Sincerely Yours, _________________ Shetu Gupta ID- 05104092 BRAC Business School BRAC University. 2 Acknowledgement The report titled as “Overview of SME loan of Mercantile...
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...UNIVERSITY OF MALAWI THE POLYTECHNIC FACULTY OF MANAGEMENT STUDIES MBA GROUP 16 PROGAM HUMAN RESOURCES MANAGEMENT Alignment of Mis-Alignment of HR Strategies in an Organisation PRESENTED BY: PRESENTED TO: DATE : Human resource management (HRM) is in its simplest form how the human resource within an organisation is managed in line with the organisations strategic goals. The management of Human resources starts from the recruitment of the employees and then moves on to the management of these employees. It is a function within an organisation that deals with the hiring of employees, the compensation of these employees, management of the employees performance, the wellbeing of the employees etc. Storey (1995) defines HRM as a distinctive approach to employment which seeks to achieve competitive advantage through the strategic deployment of a highly committed and capable workforce, using an integrated array of cultural, structural and personnel techniques. A key thing to note in the definition is the strategic deployment of a highly committed and capable workforce in order to achieve competitive advantage. This definition leads us to one of the other fundamental concepts in HRM: Strategic Human Resource Management (SHRM) or also referred to as Human Resource Strategy. Various authors have attributed the emergence of SHRM in the field of HRM as one of the reasons why HRM has become so fundamental towards the attainment of the business strategy...
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...Limited’s SME Loans This case study was written by Sravanthi Vemulavada, IBSCDC. It is intended to be used as the basis for class discussion rather than to illustrate either effective or ineffective handling of a management situation. The case was written from generalised experiences. Swarnamukhi Public Bank Ltd’s SME loans Small and Medium Enterprises (SMEs) are enterprises wherein the number of employees and the turnover of the company are below certain defined limits. SME is very commonly used term in European Union, in the United Nations, by the World Bank and the World Trade Organization. However, the size of an SME varies from nation to nation. In the US, a company with less than 100 employees is termed as a Small Enterprise (SE) and a company with less than 500 employees is termed as a Medium Enterprise (ME). In the European Union, a company with less than 50 employees is termed as a SE, while a company with less than 250 employees is called an ME. In Germany, a company is called as an SME if it has 250 employees, while in Belgium, an SME consists of 100 employees. In South Africa, the term Small Medium Micro Enterprise (SMME) is used, whereas in Africa, the nomenclature is Micro, Small and Medium Enterprise (MSME). Most of the economies in the world are dominated by smaller enterprises. They comprise approximately 99% of all the firms and they even account for about 40%–50% of the industrial production. These smaller firms employ around 65 million people. SMEs have a...
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...Chapter-1 INTRODUCTION 1.1 Introduction The role of Small and Medium Enterprises (SMEs) loan is indispensable for overall economic development of a country particularly for developing countries like Bangladesh. Since this sector is labor intensive with short gestation period, it is capable of increasing national income as well as rapid employment generation; achieving Millennium Development Goals (MDGs) especially eradication of extreme poverty and hunger, gender equality and women empowerment. SME sector has played a vital role in economic development of some prosperous countries of Asia. Terming SME as ‘employment generating machine’ they stressed on SME development for higher economic growth, narrowing the gap of income inequality and poverty alleviation. The present government has also put much emphasis on the development of SME sector considering it as the driving force for industrialization. I have selected the Mercantile Bank. Students are required to prepare an internship report under the guidance of a supervisor on a selected subject matter to highlighting his experience and to conduct an in depth analysis on the subject matter. During my internship period I got the opportunity to work in SME department and I had an interest to prepare my internship report on the Small & Medium Enterprise (SME) Loan of Mercantile Bank Ltd. My supervisor Mr. Emran Ahmed, Lecturer, Department of Business Administration, World University of Bangladesh has allowed me to prepare...
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...Title: “Owner-managers of SMEs can determine the employment relationships within their own business.” Considering both the internal and external influencing factors, draw on relevant literature to discuss this statement critically Word Count: 2162 (excluding references) Employment relationship is a legitimate concept commonly adopted around the globe refering to the link between employees, or workers, and employer, which employees are performing work or services under certain conditions in return for remunerations. It has been a paramount concept of a ‘industrial relations perspective ’ on contemporary employment and management over the past two decades (Trevor and Mike, 2010: 7). When considering employment relationships in small and medium-sized entreprises (SMEs), we are mentioning largely about how these firms recruit, supervise, train, reward, manage disputes with and separate from employees as well as the more extensive relationship between employers and employees (Ram, 1999: 604). Being the main vehicle that employees gain access to their employment rights and benefits associated with social security and labour law, as well as the determinant of the scope and structure of employers’ authorities towards their employees (ILO, 2011), obligations and reciprocal rights between employee and employer are constructed via employment relationships. Looking into this fast-growing economy with ever changing industries, there is no doubt that SMEs have navigated a devastating...
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...not have to hire project managers to do the job that employees could do as a team. On another note most hi-tech companies rather hire experienced project managers. Project Managers in these larger size companies are more likely to implement tools and techniques of project management such as MS-Project, Gantt Charts, CPM, and EVA (earned value analysis). The low implementation of these sophisticated tools falls on the lo-tech rather than the hi-tech companies. “Ghobadian and Gallear (1997) described differences between SMEs and larger organizations. In particular, they identified the following: . Processes: SMEs require simple planning and control systems, informal evaluation and reporting. . Procedures: SMEs have a low degree of standardization, with idealistic decision making. . Structure: SMEs have a low degree of specialization, with multi-tasking, but a high degree of innovativeness. . People: Because of the higher consequence of failure in SMEs, people prefer tested techniques.” Hi-Tech companies rather have nominated individuals (such as project managers) to handle his or her specific task at hand. One would think that the implementation of certain tools should lead to growth in a sense for SME’s. Nonetheless, in most cases, SME’S rather their employees to meet the needs of the company rather than promoting a project manager. However, lo-tech companies achieve better project outcomes than hi-tech companies. Project Managers and tools are implemented with a company...
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...Mode of Finance Prime Bank LimitedDhaka Bank LimitedEastern Bank LimitedMercantile Bank Limited Dutch-Bangla Bank Limited BRAC Bank Limited Term loan and working capital loan Term loan and working capital loan working capital loan Only Term loan Only Term loan Only Term loan All the banks provide SME financing facilities do not provide long term loan to its customers. Among the banks Prime bank and Dhaka bank both provide term loan and working capital loan to their customer. Other banks either provide term loan or working capital loan to its customers. 56 4.6. Management Overall the management of the bank engaged in SME banking is efficient and have diverse knowledge and banking sector. BRAC has initiated to provide training of staff for well managing and SME customer. 4.7. Portfolio size of different bank in SME sector Name of bank Portfolio size SL 1 Prime Bank Limited10.80 2 Dhaka Bank Limited 18.00 3 Eastern Bank Limited 20.00 4 Mercantile Bank Limited 16.38 5 Dutch- Bangla Bank Limited 6.63 6 BRAC Bank Limited 25.72 Total 97.53 (TK. In crore) From the table we can see that BRAC bank has the highest investment in the SME sector followed by Eastern Bank Limited in second position. While the Prime...
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...Question: Impact of risk and uncertainty on business growth and sustainability in Nigeria. Introduction Business Risks Facing Small and Medium Enterprises (SMEs) and large firms operate in the same business environment but there are evidences that they derive different benefits and opportunities therein. More so, they are exposed to diverse categories of risks. This is because of their differences in economic capacity including asses to human capital and material resources. Kelkar (2008) posits that SMEs are weak in terms of business plan, management structure and in decision making when compared to large organizations. This further increases SMEs’ inability to absorb most business uncertainties and risks. According to Suh (2010) SMEs sector is worst affected by the economic environment and is the first to be hit by any external shock. As a result, there are more SMEs closures than establishments, with approximately only 1% of SMEs growing from having five or less employees to ten or more (Mead and Liedholin 1998; cited in Smith and Watkins, 2012). The implication is that SMEs face a wider range of business risks which are rooted in both the internal and external environment of the enterprises (AIRMIC, ALARM and IRM, 2002). There are various ways of categorizing risks faced by business organizations (SMEs inclusive). Business risks are commonly categorized into four major types. This categorization is developed with the emergence of Enterprise Risk Management (ERM). Impact...
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...the Virtual Team. As a consequence, a growing number of organizations are implementing them or plan to implement them in the near future (Lipnack &Stamps, 1997; McDonough et al., 2001) and their use is expected to continue to grow (Carmel & Agarwal, 2001; McDonough et al., 2001). The increasing popularity of virtual teams has spurred a parallel growth in research examining various aspects of virtual team adoption and use. Recent research has studied virtual team inputs, socioemotional processes, task processes, and outcomes. Much of this literature focuses on comparisons of virtual teams and traditional teams. Virtual Teams Traditionally, both the terms “team” and “group” have been used to describe small collections of people at work. While the two terms are often used interchangeably in traditional and virtual team research (Cohen & Baily, 1997; Langfred, 1998; Sundstrom et al., 1990), this duality in terminology has increasingly been questioned (Fisher et al., 1997; Katzenbach & Smith, 1993). We accept this distinction and use the term “team” in its stricter sense adopting a widely accepted definition: “A team is a collection of individuals who are interdependent...
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...banking education. This report is originated as the academic requirement of the BBA program under the Business Administration Department of DHAKA CITY COLLEGE. Under this program student have to participate in internship program of three month duration toward the fulfillment of the Degree. As practical orientation is an integral part of the BBA degree requirement, I was sent by the department to AB Bank Limited to take real life exposure of the activities of financial institutions. The Human Resource Division of ABBL arranges my internship program at Islampur Branch from December 26, 2010 to March 26, 2011. At the end of the internship period the student have to prepare a report on the organization and this report titled “Loans & Advances and SME sector of AB Bank Limited” is the outcome of my three months practical knowledge at AB Bank Limited. Rationale of the Study Theoretical knowledge is not enough for a student. There is a gap between theoretical knowledge and practical field. So, these two should be synchronized. Our internship program is launched mainly for this purpose. The practical orientation program in banks enable a student to take a closer look at “WHAT” a bank does and “HOW”. Another purpose that may be is to know about the rules, regulation, and organization environment before getting a job....
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... By INDEX Contents | Page No | Company profile | 3 | objectives of the Internship program | 4 | Problems Identified | 4 | Schedule of activities | 4-9 | Analysis | 10-12 | Achievements | 12-13 | Key Learning | 13-14 | Company Profile HUSYS, which stands for human synergies, are in the business of building and managing HR function services for organisations specially SMEs. HUSYS started their operations from Hyderabad in the year 2002 with an aim to redefine the Human Resources function in India. Today they are synonymous with HR Function Outsourcing. They have revolutionized HR Function Management outsourcing in India. Since 2002, HUSYS has managed the HR department of 160+ companies spanning across 10 different industry sectors. Apart from Hyderabad they have also reached cities like Bengaluru, Delhi, Mumbai, Ahmedabad, Nagpur and Pune. The prominent services of HUSYS include- * HR function Outsourcing (HRFO): The key service of HUSYS is building & managing the HR department of Small & Medium Size (SME) organisations who are looking to expand their business and build an organization of repute. HRFO helps SMEs to concentrate on their core business and leave the HR worries to HUSYS who helps to build a cost-effective and state-of-the-art HR department. * HR Consulting: HUSYS helps organisations in Design, Development & Implementation of HR Practices which are fully customized according to the needs of the organisations. * Training...
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...Selected Thesis Topics for BScBA students Bachelor´s Thesis 2013-2014 Please use this list of the fields of International Business for thesis work and potential thesis topics when choosing and informing us the field of your thesis + the thesis topic in the form Indication of Interest Area for Thesis 2013-2014. Part 1. Thesis topics for companies and other organizations We have first listed the thesis projects that are available to do for companies and organizations. If you are interested in these projects, please mark the topic to the Indication of Interest Area form the same way than any other topic. It should be noted that the students selected to do the thesis from these topics must be motivated and committed for the work. Please do not contact these organizations yourself before the selection process has been completed for all students. More information on topics can be asked from Mari Syväoja or Tomi Heimonen. Organization: Thesis Biofenno projects for (www.biofenno.fi) companies and organizations Selected Thesis Topics for companies and organizations Internationalization plan Plan how to take and promote product Tuovi Tuotevirtakirjanpito to EU markets. Tuovi Tuotevirtakirjanpito is a stock and feed recording program for organic farmers. It produces necessary stock and feed reports for annual inspection. Also stock balance reporting benefits farm managements. Because Tuovi Tuotevirtakirjanpito complies with all the regulations EU has set for organic farmers, it has...
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