STATUS OF SME FINANCING ACTIVITIES OF JANATA BANK LIMITED: A CASE STUDY ON SHILPO NAGARI BRANCH, RANGPUR.

Abstract

SME financing is an important sector of banking activities. It is said that Small and Medium Enterprises account for about 50 percent of GDP and 60 percent of employments. SMEs are projected to contribute between 25 and 35 percent of world manufactured exports. Financial Institutes around the world are relentlessly trying to enhance the SME exposure in their groups. Over the years Janata Bank Limited has expanded the financing exposure all over Bangladesh. SME sector is one of them. Although all over the world, the importance of SME financing is highly appreciated and entertained, this sector lacks proper boost from the government and attention of financial organizations. There are many reasons that financial organizations especially banks are unwilling in financing to the small and medium enterprises. Janata Bank Limited is currently motivated hard to enhance the SME exposure of the bank. According to The Dhaka Tribune Janata Bank Limited achieved 98.61% of its target in SME financing. The internship report entitled“Status of SME Financing Activities of Janata Bank Limited :A Case Study on Shilpo Nagari Branch, Dhaka”.The main objective behind this report is toknow about the SME financing activities of Janata Bank Limited ,Shilpo Nagari Branch and also to determine how well Janata Bank performs in this sector. The survey is conducted on 30respondents those represent the total general customers segment. This report consists of seventh chapters. The first chapter deals with introduction of report, essential of the study.” The second chapter contains review of literature. The third chapter deals with methodology. In this research simple random sampling method was used to select the sample respondents. The fourth chapter deals with Organization profile. The fifth chapter describes SME financing procedure of Janata Bank Limited ,Shilpo Nagari Branch,Rangpur .The sixth chapter contains result and discussion of the report.The sixth chapter deals with findings, conclusion of the report with recommendations.From my overall study it is concluded that,Janata Bank Limited, Shilpo Nagari Branch, Rangpur should possesses a more attractive and standard SME financing procedure by solving the problems which dissatisfied the customers.