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Micro, Small & Medium Enterprises (MSME) Banking
Introduction
Micro Small & Medium Enterprise (MSME) plays an important role in the economic growth and development of a country. MSME works as the platform for job creation, income generation, and development of forward and backward industrial linkages. MSMEs occupied a unique position in the economy of Bangladesh.
Micro, Small and Medium Enterprises (MSMEs) make up the largest portion of the employment base in many developing countries and, indeed, are often the foundation of the local private sector. Micro Enterprise sometimes directly comes from cottage industry. So we consider cottage industries when considering micro enterprises. Now the MSMEs are not only concentrated to traditional and agro-based economic activities; these are spread over other non-traditional manufacturing and service sector as well. To achieve high and sustained economic growth, a triggering force is mandatory to exit from poverty and socio-economic deprivation.
MSMEs constitute the dominant source of industrial employment in Bangladesh (about 80%), and about 90% of the industrial units fall into this category. The actual performance of MSMEs, however, varies depending on the relative economic efficiency, the economic policy environment and the specific promotion policies.
Definition of MSME Enterprise
As per Bangladesh Bank SMESPD Instruction Circular No. 1, Dated: 19 June, 2011, MSME is being defined as follows:

Cottage Industry/ Enterprise

Attributes under the categories

Fixed Assets Value in Taka Excluding Land & Building (Including Replacement Cost)

And/or Total Number of employees

Manufacturing

Less Than 5 Lac

Less Than 10

Service

Less Than 5 Lac

Less Than 10

Trade

Less Than 5 Lac

Less Than 10

Micro Industry/ Enterprise

Attributes under the categories

Fixed Assets Value in Taka Excluding Land & Building (Including Replacement Cost)

And/or Total Number of employees

Manufacturing

5 Lac - 50 Lac

10-24

Service

Less Than 5 Lac

Less Than 10

Trade

Less Than 5 Lac

Less Than 10

Small Industry/ Enterprise

Attributes under the categories

Fixed Assets Value in Taka Excluding Land & Building (Including Replacement Cost)

And/or Total Number of employees

Manufacturing

50 Lac - 10 Crore

25-99

Service

5 Lac - 1 Crore

10-25

Trade

5 Lac - 1 Crore

10-25

Medium Industry/ Enterprise

Attributes under the categories

Fixed Assets Value in Taka Excluding Land & Building (Including Replacement Cost)

And/or Total Number of employees

Manufacturing

10 Crore - 30 Crore

100-250

Service

1 Crore - 15 Crore

50-100

Trade

1 Crore - 15 Crore

50-100

To ensure rapid advancement of Micro, Small & Medium Enterprises, a number of schemes are running in Al-Arafah Islami Bank Ltd. In the light of the definition of Bangladesh Bank, we are giving a priority over financing to three categories of enterprises viz. Industry, Trade & Services. We prior to Area Approach Method when MSME financing.
Purpose of MSME
To facilitate small and medium level entrepreneurs
To boost up the small business in the country
To facilitate the growth of agro-industries
To create employment
To broaden the base of Islamic Banking in the society
To encourage women entrepreneurs
Modes of Investment
Working Capital Investment
Bai-Muajjal
Murabaha / Murabaha TR
MPI / MPI- TR
Fixed Capital Investment
HPSM (Equity required)
Mudaraba
Musharaka
Rate of Profit/ Rent
Working Capital Investment :
As stipulated time to time by the Bank
Fixed Capital Investment :
As stipulated time to time by the Bank
Eligibility
Permanent resident of Bangladesh
The age must range between 25 years to 60 years
Physically fit and capable of working hard
Capable of reading & writing
Capable of managing his / her business successfully
Sufficient Infra-structure and skilled personnel
At least 02 (two) years experience in the applied business
Having Transparent CIB Report
Valid Licenses, such as- Trade License, VAT registration, TIN, NOC from Environment Department (where applicable)
Other terms and conditions stipulated by the bank
Securities Against Investment
Personal guarantee of spouse/parents/other family members.
In case of limited companies, guarantees of all directors other than nominated directors shall be obtained.
Registered mortgage of immovable properties with registered Power of Attorney (for 2 lac and above).
Third party personal guarantee (at least one).
Post dated cheques for each installment and one undated cheque for full investment value including full mark-up profit.
Hypothecation on the inventory, receivables, advance payments, plant and machinery.
Bank may relax the security for investment amount up to 2 lac for the growth of SME investment.
Other securities specified by the Bank depending on the types of the investment.
MSME Investment on Women Entrepreneurs
About 50% of the populations of Bangladesh are women. Women participation in the mainstream of economic activities especially in the productive sectors is crucial for attaining sustainable economic growth, poverty reduction and women’s empowerment. But women participation in economic sector is inadequate and the number of women entrepreneurs is very low compared to that of their male counterparts. There exist many obstacles in women participation in the mainstream of economic activity although the degree of integrity, devotion, creativity and expertise of women make us surprised. Participation of women entrepreneurs in MSME sector is vital for the flourishing of Bangladesh economy and enhancing women empowerment.
Al-Arafah Islami Bank Ltd. is working with women entrepreneurs to make them capable of earning by connecting with country’s economic activities. We give priority to women entrepreneurs to invest on various productive sectors. By the side of collateral secured investment, collateral security free investment is also considered in the question of women development.
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