4. Political instability lost my one month of internship day causes
gaining less knowledge and experianc about the company.
Another major limitation was inability to access some necessary
secondary data from IDLC database due to some management
policy which was strict and no exception was made.
Sometimes such kinds of tasks were given in the company that was
no way related to my topic &really it was responsible to break my
concentration in my major area of investigation
It was difficult to communicate with the clients, as many of them
were unable to give me much time for interview
Lack of knowledge
Limitations
Prepared by Abid H Rahat 4
5. CHAPTER TWO:
OVERVIEW OF THE ORGANIZATION
Established in 1985
First leasing company with the collaboration of IFC,
German Investment and Development Company (DEG),
Kookmin Bank and Korean Development Finance
Corporation, the Aga Khan Fund for Economic
Development, the City Bank Limited, IPDC of
Bangladesh Limited, and SadharanBima Corporation.
SME
Consumer
Corporate
Capital Markets
Prepared by Abid H Rahat 5
6. Legal Form
As a public limited company incorporated in Bangladesh
on May 23, 1985 under the Companies Act 1913 and
listed with Dhaka Stock Exchange Limited and
Chittagong Stock Exchange Limited in 1993 and 1996,
respectively.
Company Information
Registered Name of the company
IDLC Finance Limited
IDLC stand for Industrial Development Leasing
Company
Prepared by Abid H Rahat 6
7. IDLC Securities Limited (IDLCSL)
IDLC Securities Limited, a fully owned subsidiary
of IDLC.
IDLC Investments Limited (IDLCIL)
The main businesses of the company are
portfolio management, issue management,
underwriting of securities and advisory services.
Subsidiaries
Prepared by Abid H Rahat 7
9. NANE OF PRODUCT LINE PRODUCT NAME
Structure Financing
Syndication
Advisory Services
Merger & Acquisition
Securitization
Local Enterprise Investment Center
Real Estate Financing
Real Estate Finance
Home Loan
Short term Financing Factoring of Account Receivable
Work order Finance
Deposit Schemes
Cumulative Term Deposit
Annual Profit Earner Deposit
Monthly Earner Deposit
Double Money Deposit
Enter Corporate Deposit
Merchant Banking Services
Issue Management
Underwriting
Private Placement
Portfolio Management
Trust ship Management
Products & Services
Prepared by Abid H Rahat 9
10. Personal Loan
Car Loan
Personal Loan
SME Loan
Small Business
Medium Business
Supplier Finance
Women Entrepreneur Loan
Commercial Vehicle Loan
Capital Market Portfolio Management
Investment Banking
Market Commentary
Brokerage
Prepared by Abid H Rahat 10
15. (A)Rivalry among the existing firms:
External Environment
Porter’s 5 forces Model
(B)Threat of new entrants:
Prepared by Abid H Rahat 15
(C)Bargaining power of buyers:
D)Bargaining power of suppliers:
E) Threat of substitutes
16. • In 2014, IDLC financed renewable energy
projects providing electricity to around 20,000
people living in rural Bangladesh while creating
livelihood opportunities for 200 families
• IDLC is also in the process of raising a fund for
three energy-efficient environment-friendly brick
kiln projects.
• IDLC adopted server virtualization, largely
reducing power consumption and CO2 emissions
every year.
Internal Environment Green Banking
Prepared by Abid H Rahat 16
18. Offerings of Consumer Division
Products and Services: Home loan, Car Loan,
Personal Loan, Loan Against Deposit and Term
Deposit
Prepared by Abid H Rahat 18
22. Home Loan
IDLC
Home Loan disbursements
(2014)
Total TK 5,896 Million
DBH
Home Loan
disbursements (2014)
Total TK 5,000 Million
Lonka Bangla
Home Loan
disbursements
(2014)
Total TK 4,351.07
Million
National
Housing bd
Home Loan
disbursements
(2014)
Total TK 836.35
Million
Prepared by Abid H Rahat 22
23. Factors Affecting borrowers Loan
Amount
Monthly net disposable
income,
age,
qualifications,
Number of family members
Monthly expense and others
Home Loans Available For
Purchase of apartment/ house/ commercial space/
Extension of residential house
Eligibility: You are eligible if you are:
25 years and above but not more than 60 years of age
Earning regularly from a sustainable source of
employment or business
Prepared by Abid H Rahat 23
24. Category Maximum Term
Commercial Purpose 7 years
Professional & Service Holders 20 years
Businessmen 15 years
Non Resident Bangladeshi (NRBs) 10 years
Repayment Mode
The entire loan to be repaid by Equated Monthly Installments
Security
Mortgage of the property itself or any other equivalent security acceptable to IDLC.
Property Insurance
Mortgaged asset should have fire or earth quake insurance by any IDLC nominated insurance company.
Loan Term
Prepared by Abid H Rahat 24
25. a. Employed
Recent passport size photo, copy of National ID
Card and Bio data
Latest salary slip/salary certificate
Bank statement for one year
Statements of assets with copies of evidence
Evidence of other income (if any)
CIB Application Form
Allotment agreement with developer/ owner
Money receipts of amount already paid to
developer/owner
b. Self Employed
Recent passport size photo, copy of National ID
Card and Bio data
Tax assessment paper for last 3 years (Tax return
& Assessment order)
Profit & Loss account and Balance sheet of
business for last 3 years
Evidence of presents work in hand and value
Bank statement for the last one year
Statement of assets with copies of evidence
Evidence of other income (if any)
CIB Application Form
Allotment agreement with developer/owner
Money receipts of amount already paid to
developer/owner
Documentation Required to Apply
Non-resident Bangladeshi (NRB)
One copy recent passport size photograph
Latest salary slip/salary certificate showing all deductions.
Employment-contract
Photo copy of the passport with evidence of arrival at port
of entry, visa stamped pages.
Residency permit or latest work permit (if applicable)
Copy of continuous discharge certificate (CDC) for merchant
mariners
Overseas and local bank account statements for last 12
months.
Tax papers for last three years duly attested by Bangladesh
Embassy
Bio data and family background.
Company Profile/Brochure/ Web Mail Address
Power of Attorney (POA) to a Bangladeshi resident as per
IDLC’s format. POA will also provide Personal Guarantee to
the loan (Attachment)
Personal guarantee from an employed Bangladeshi local
resident (age below 50) as per IDLC’s format.
For the above document in a language other than English,
please get it translated into English and attested by the
Bangladesh Embassy
Prepared by Abid H Rahat 25
26. Car Loan
Eligibility
A salaried professional or a businessman
Between 22 and 60 years of age
Minimum monthly income of Tk. 25,000/-
Minimum of two (2) years of service
Loan Amount
IDLC provide both brand new and re-conditioned cars. Clients can avail car loan from Tk 200,000/- to
Tk. 4,000,000/- or 70% of the value of their car (including registration cost).
Prepared by Abid H Rahat 26
27. Self Employed
One recent copy of passport size photo, National ID card
and Bio data
Tax assessment paper for last 3 years
Profit & Loss account and Balance sheet of business for
last 3 years
Company bank statements for last….months
Memorandum & Articles of Association with form Xll of
the company
Trade license
Price quotation from the vendor
Non Resident Bangladeshi (NRBs)
One recent copy of passport size photo and Bio data
Photocopy of the passport with evidence of arrival of port
of entry, visa stamped pages
Employment contract
Residency permit/work permits
Latest work permit
Overseas bank statements for last 12 months
Tax papers for last three years
Utility bills copy
Employed
One recent copy of passport size photo,
National ID card and Bio data
Application form (properly filled up)
Employment confirmation form (properly
filled up)
Price quotation from the vendor
CIB undertaking form (properly filled up)
Latest salary slip/salary certificate
Personal bank statements for last 12 months
Rental income/other income documents
Documents supporting other fixed assets
Documents supporting liquid assets
Documentation Required
Prepared by Abid H Rahat 27
28. Loan Term
minimum of 1 year to a maximum of 5 years
Personal Loan
The Reasons behind Personal Loan
Meeting financial liabilities
Marriage
Education
Domestic or foreign travel
Medical treatment for self/family members
Other needs
Loan Amount
Ranging from Taka 50,000 to Taka 10 Lacs to suit
your requirement
Prepared by Abid H Rahat 28
29. Application form (properly filled up)
CIB undertaking form (properly filled up)
Bio data
Photograph
Copy of ID, Driving License, Voter ID, Visiting
Card
Photocopy of the passport with evidence of
arrival at port of entry, visa stamped pages
Latest salary slip
Latest transfer order (if any)
Letter of introduction/ Letter of undertaking
from employer
Profit & loss account and Balance sheet of
business for the last three (3) years
Tax assessment paper for the last three (3)years
Company bank statements
Personal bank statements
For NRB:
Employment contract
Residency permit/ Latest work permit
Overseas bank statements
Tax Refund
Trade license
Memorandum, Articles of Association and
Form XII of the company
Rental income / other income documents
Utility bills copy
Credit card copy and credit card statement
Documents supporting other fixed assets
Documents supporting liquid assets
Title deed/ FDR copy
Letter of assignment of salary from employer
Letter of confirmation of lien on end service
benefit
Documents Required
Prepared by Abid H Rahat 29
30. Segment A
Loan Amount Below 10 yrs. 10yrs<15 yrs. 15 yrs.+
Below 10M 12.75% 12.75% 13.00%
10 M<20 M 13.00% 13.25% 13.50%
20 M< 30 M 13.50% 13.75% 14.00%
30 M & above 14.00% 14.25% 14.50%
Home Loan (Variable) Interest Rate Matrix) Effective from February, 2015
Segment B
Loan Amount Below 10 yrs. 10yrs<15 yrs. 15 yrs.+
Below 10M 12.75% 13.00% 13.25%
10 M<20 M 13.25% 13.50% 13.75%
20 M< 30 M 13.75% 14.00% 14.25%
30 M & above 14.25% 14.50% 14.75%
Prepared by Abid H Rahat 30
31. Segment D
Loan Amount Below 10 yrs. 10yrs<15 yrs. 15 yrs.+
Below 10M 13.50% 13.75% 14.00%
10 M<20 M 14.00% 14.25% 14.50%
20 M< 30 M 14.50% 14.75% 15.00%
30 M & above 15.00% 15.25% 15.50%
Segment C
Loan Amount Below 10 yrs. 10yrs<15 yrs. 15 yrs.+
Below 10M 13.25% 13.50% 13.75%
10 M<20 M 13.75% 14.00% 14.25%
20 M< 30 M 14.25% 14.50% 14.75%
30 M & above 14.75% 15.00% 15.25%
Prepared by Abid H Rahat 31
32. Variable Rate Car Loan: new & reconditioned Vehicle
Interest Rate Matrix: April 2015
Amount Segment A Segment B Segment C Segment D
Up to BDT 5 M 13.50% 13.75% 14.25% 14.50%
Above BDT 5 M 14.25% 14.50% 15.25% 15.25%
Effective from April 1, 2015
Special discount Matrix
Premium Plus Vendor Premium Vendor Other Vendor
Client
type
Int. Rate Proc. &
Doc. Fee
Int. Rate Proc. &
Doc. Fee
Int. Rate Proc. &
Doc. Fee
Corporate
Clients
0.25% 0.75% 0.25% 0.75 N/A 0.75%
Regular
Clients
0.25% 0.75% N/A 0.75 N/A N/A
Effective from April 1, 2015 and valid till June 30, 2015
Prepared by Abid H Rahat 32
34. • File’s Term; it is BLA (Baiparty Loan Agreement), TLA (Triparty Loan
Agreement), RM BLA, RM TLA or which kind of home loan it is or
wither it is car loan or personal loan.
• Than in excel sheet, there is indexing. I had to put the basic
information of the file such as, CIF no, account number, sanctioned
amount, disbursement amount, Disbursement date, agreement
date etc.
• If there is not available folder for the file, than I had to open
another folder with a tracking number.
• The most important part is, I cannot make mistake here, because,
all the file that I’m indexing and arranging, all these file needs to
find by myself. There are more than thousand files.
My Activities of Liability Operation
Prepared by Abid H Rahat 34
35. particulers & explanation Things for check
Counter part
final recipt copy both for client and IDLC, it
means the client received the disbursement
amount.
Need to be attached with disbursement paper,
check the signature of client and RM (relation
manager), also check the clients signature that
corospondent with the real signature,
Disbursment paper Signature of Credit administrative (consumer
division) officer and assistant officer. (if not given
then collect those from them)
Document Status Signature of Credit administrative (consumer
division) officer and assistant officer. (if not given
then collect those from them)
Sanction letter
The letter confirm and accept the request for
the loan of the client and
Signature of Credit administrative (consumer
division) officer and assistant officer. (if not given
then collect those from them) with their own seals.
Applicant, co-applicants signature with date
S.V.(seen original) sign by RM
Prepared by Abid H Rahat 35
36. 5 Terms & Condition papers Applicant, co-applicants signature with date
Signature of Sales team head or manager
S.V.(seen original) sign by RM
6 Check list
7 E-mail hard copy with Apllicants Staped with ledger
Signature of credit Analysts
8 Ledger
All the most important informatons are
summarized in the ledger bery shortly. and it
is a very important document.
Signature of Cluster/HoCRM-CD
Signature of credit Analysts
9 TIN Certificates TIn number should be 12 Digit (if digital) or 10 digit, if its
10, then need a digital one too. some time it could be 13
digit!
O.S. (seen original) by RM
An Android apps is been provide to us to check the TIN
wither it is fake or not.
Applicant and Co-applicant must have TIN certificates
Prepared by Abid H Rahat 36
37. 10 Resume and other related and importatn
documents
O.S. (seen original) by RM
11 Home Loan Apllicatns Form
Signature of the Head of uttara Branch with seal
RM signature and seal
Head of Sales departments signature and seals
Applicant, co-applicants and RM’s signature
behind Applicant, co-applicants photo.
Personal Guarantors (PG) Applicant and RM’s signature behind PG’s
photo.
Term and Conditions Applicant and co-applicants signature
CFF (Clients FeedBack Form) Authorised and applicants signature
Need to file up if its not filled up
CAF (Clients Acknowledgement form) Authorised and applicants signature
Need to file up if its not filled up
Signatue maching need to match the signature of applicants, co-
applicants, guarantors with the NID.
Prepared by Abid H Rahat 37
38. 12 NID (National ID Card) O.S.
Applicants, Co-applicant and guarantor must have NID or
birth certificates.
Security invelup
13 Agreement paper
(100tk deed paper)
In every page, there will be signature of Applicants, co-
applicants, RM and also the Signature of Credit administrative
(consumer division) officer.
Applciants signature need to corospond with the NID.
S.V
Deed of mortgage Need to check this paper and also the property that
mortgage.
S.V.
irrevocable power of attorny S.V.
PG (Personal Guarantor Signature of RM
Signature of gurantors and witness
S.V.
DP note or Deman note Stampes need to check
S.V.
etc
Prepared by Abid H Rahat 38
41. Survey Research on
“Home Loan Holder’s Perception towards home loan of IDLC
Finance Limited: A study on Uttara Branch”
SN Description Amount
1 Income: (per month 4,000tk*3) 12,000
2 Expense: Transportation Cost 2,500 BDT
3 Cell Communication Cost 500 BDT
4 Qubee Internet Bill 950 BDT
5 Printing and Binding Cost 1000 BDT
6 Refreshment Cost 2000 BDT
7 Others Expenditure 1000 BDT
Surplus 4,550 BDT
Budget
Prepared by Abid H Rahat 41
Problem Statement/ Research Topic
42. Prepared by Abid H Rahat 42
Project Duration
Activities Days
Questionnaire 10 days
Collect Survey Data 10 days
Hypothesis Formulation
and Data Analysis
15 days
Report Development 25 days
Editing and corrections 5 days
Presentation 5 days
43. Sources and collection of data
The data of this study has been collected through questionnaire and
interview. For the secondary sources, information has been collected
from different journals, articles, research publications and internet.
Primary Data:
Questionnaires with Structure question by the survey of IDLC’s
Home Loan holders.
Secondary Data:
Website of IDLC Finance Limited.
Practicum Report
Course lecture Sheet
Annual report
Hand note provided by the IDLC
Methodology
Prepared by Abid H Rahat 43
45. H1 : Procedures of Home Loan in IDLC Finance Ltd is easy.
H2 : Disbursement of a Home Loan takes less time in IDLC Finance Ltd
H3 : Interest rate for Home Loan is reasonable in IDLC Finance Ltd
H4 : Interest rate for Home Loan is complicated to the clients
H5 : IDLC Finance Ltd has attractive installments to pay the loan
amount
H6 : Service of IDLC Finance Ltd is satisfactory
H7 : Clients prefer IDLC Finance Ltd in terms of borrowing Home Loan
second time.
H8 : Clients of Home Loan borrower are completely informed with the
reason behind not to sanctioned the full amount requested for home
loan
Hypothesis Development
Prepared by Abid H Rahat 45
48. 2 Ho: Disbursement of a Home Loan doesn’t take less time in IDLC Finance Ltd
HA: Disbursement of a Home Loan takes s less time in IDLC Finance Ltd
Prepared by Abid H Rahat 48
49. 3 Ho: Interest rate for Home Loan is not reasonable in IDLC Finance Ltd
HA: Interest rate for Home Loan is reasonable in IDLC Finance Ltd
Prepared by Abid H Rahat 49
50. 4 HO: Interest rate for Home Loan is not complicated to the clients
HA: Interest rate for Home Loan is complicated to the clients
Prepared by Abid H Rahat 50
51. 5Ho: IDLC Finance Ltd has no attractive installments to pay the loan amount
HA: IDLC Finance Ltd has attractive installments to pay the loan amount
Prepared by Abid H Rahat 51
52. 6 Ho: Service of IDLC Finance Ltd is not satisfactory
HA: Service of IDLC Finance Ltd is satisfactory
Prepared by Abid H Rahat 52
53. 7Ho: Clients will not prefer IDLC Finance Ltd in terms of borrowing Home Loan second
time
HA: Client will prefer IDLC Finance Ltd in terms of borrowing Home Loan second time
Prepared by Abid H Rahat 53
54. 8 Ho: Clients of Home Loan are not completely informed with the reason behind
not to sanctioned the full amount requested for home loan
HA: Clients of Home Loan are completely informed with the reason behind not to
sanctioned the full amount requested for home loan
Prepared by Abid H Rahat 54
59. 1. Most of the home Loan holders of IDLC finance believe that the procedures of
Home Loan in IDLC Finance Ltd are not easy.
They should try more to remove unnecessary procedures to make it easy to the
borrowers.
2. Around 51 percent of home loan borrower are agreed that Disbursement of a
Home Loan does not takes less time in IDLC Finance Ltd.
When the borrowers request for a loan, they must be in hurry to for the money, so
by insuring the disbursement amount with very short time, IDLC can hold the
customers satisfaction and could them loyal. A loyal customer must refer other to
borrow loan from IDLC Finance.
3. About 63& out of 100% home loan borrowers are agreed that the interest rate
is reasonable. This is good for the IDLC, but rests of 37% borrower, some of them
are confused and some of them totally disagreed. IDLC could try to make their
interest rate a little more lowly. They have a good matrix of interest rate, if they
could sacrifice a little more percentage of interest income, they could be easily be
an unbeatable non-financing company.
Recommendations
Prepared by Abid H Rahat 59
60. 4. 40% people are saying that the interest rate is complicated. 38%
borrowers are totally confused. The point is that, 40% borrower have
really good knowledge of market and they could switch the brand. Their
interest rate is too much variable. Based on their client the rate varied. If
any borrower after taking loan, ask another borrower who borrowed loan
from IDLC too. They might found both of them paying different
percentage of interest. This could have a bad impact on the client’s
psychology about IDLC Finance.
So I think they could make a chart with fixed rate for the public. The chart
that they currently have is not for the public, even that is still not fixed.
5. About 50% of their borrower agreed with it. They have good
installments offers. They should concern more on this.
6. About 66% clients agreed that the service of IDLC is good. With my
observation, it is true. They really try to take care of their clients a lot.
They should try more to make 100% satisfaction.
Prepared by Abid H Rahat 60
61. 7. Home loan borrower ware asked if they need to take loan again,
will you borrow loan from IDLC Finance. About 56 percent of
borrower marked on agreed. Here I would like to recommend IDLC to
find out why rest of the 44% borrowers are confused or disagreed.
And to take necessary improvement to gain more customers
satisfactions.
8. About 66 percent of home loan borrower agreed that they are
completely informed with the reason behind not to sanctioned the
full amount requested for home loan. Borrowers have the right to
know why they are not getting the full amount that they requested.
In this part, 100% borrower should have agreed, but only 66% are
agreed with this. It could show the lacking of taking full care of the
borrower by the Relation managers and Sales manager. IDLC should
more concern about this matter.
Prepared by Abid H Rahat 61
64. • poysermath (2012), Stats: Hypothesis Testing (Traditional Method) [online video] Date: April 17, 2012. Available
from-https://www.youtube.com/watch?v=rWFDXt-MlNs [accessed date: March 25, 2014]
• poysermath (2012), Stats: Finding Z-value Given the Probability [online video] Date: March 12, 2012. Available
from- https://www.youtube.com/watch?v=ER-e1wwhjXY [accessed date: March 25, 2014]
• Alex A (2013), what is Research [online video] Date: October 25, 2013. Available from-
https://www.youtube.com/watch?v=Og4BGyZr_Nk [accessed date: March 25, 2014]
• IDLC finance (2015), Home Loan [Online] February 18, 2014,Available from: http://www.idlc.com/Home-
Loan_home.php [Accessed: 1 March, 2015]
• IDLC finance (2015), Car Loan [Online] February 18, 2014,Available from: http://www.idlc.com/Car-Loan.php
[Accessed: 1 March, 2015]
• IDLC finance (2015), Car Loan [Online] February 18, 2014,Available from: http://www.idlc.com/ Personal Loan
[Accessed: 1 March, 2015]
• International Finance Corporation. Annual Report (2004), available from: www.ifc.org/annualreport [Accessed: 5
March, 2015]
• “Internship Paper on IDLC” Scribd. Retrieved June 1, 2014 available from:
http://www.scribd.com/doc/114646709/IDLC [Accessed: 20 March, 2015]
• “Non-Banking financial activities and performance of IDLC finance Limited” Assignment Point. Retrieved June 14,
2014 available from:
• http://www.assignmentpoint.com/business/internship-report-on-non-banking-financial-activities-and-
performance-of-idlc-finance-limited.html [Accessed: 25 February, 2015]
• G.Zikmand William, (2003), “Business Research methods”, (7th edition), SouthWestern Mason, Ohio, Japan.
[Accessed: 1 March, 2015]
• IDLC Finance Limited. Annual Report (2014), PP. 04-122.
• IDLC Finance Limited. Annual Report (2013), PP. 04-122.
• IDLC Finance Limited. Annual Report (2012), PP. 04-122.
• John V Lesiker. , Business communication. , (11th Edition), New York: McGraw – Hill, 2003, PP. 158-163. , 223-241.
• Ross, Stephen A., Westerfield, Randolph W., Jeffe, Jeffrey. , (Eds.) Corporate Finance, New Delhi: Tata McGraw-Hill
Publishing Company Limited, 2004, PP. 26-31.
• Saunders, Anthony. , Cornett, Marcia Millon., (Eds.) Financial Institutions Management. , Singapore: McGraw – Hill,
2003, PP. 138-153. , 323-341
Prepared by Abid H Rahat 64
65. Prepared by Abid H Rahat 65
QUESTIONARIE FOR CUSTOMER OF IDLC FINANCE LIMITED, UTTARA
BRANCH
I am a student of BBA program at IUBAT doing internship in IDLC Finance Limited which
is a part of my practicum where my topic is “Consumer Loan Procedure Study of IDLC
Finance Limited” I need your cooperation for fulfillment of my report.
Name:…………………………………………………
Profession: …………………………...
Email: …………………………………………..
Cell: ……………………………………..
Direction: Please check the appropriate answer. Mark on which degree you agree or disagree
with the answer of the question.
1. In Which extent do you believe the Procedures of Home Loan in IDLC Finance Ltd is
easy?
o Strongly Disagree
o Disagree
o Neither agree nor disagree
o Agree
o Strongly agree
2. In Which extent do you believe the disbursement of a Home Loan takes less time in
IDLC Finance Ltd?
o Strongly Disagree
o Disagree
o Neither agree nor disagree
o Agree
o Strongly agree
3. In Which extent do you believe the interest rate for Home Loan is reasonable in IDLC
Finance Ltd?
o Strongly disagree
o Disagree
o Neither agree nor disagree
o Agree
o Strongly agree
66. Prepared by Abid H Rahat 66
1. In Which extent do you believe the interest rate for Home Loan is complicated?
o Strongly disagree
o Disagree
o Neither agree nor disagree
o Agree
o Strongly Agree
2. In Which extent do you believe IDLC Finance Ltd has attractive installments to pay
the loan amount?
o Strongly disagree
o Disagree
o Neither agree nor disagree
o Agree
o Strongly agree
3. In Which extent do you believe the service of IDLC Finance Ltd is satisfactory?
o Strongly disagree
o Disagree
o Neither agree nor disagree
o Agree
o Strongly agree
67. Prepared by Abid H Rahat 67
1. In Which extent will you like IDLC Finance Ltd in terms of borrowing Home Loan
second time?
o Strongly disagree
o Disagree
o Neither agree nor disagree
o Agree
o Strongly agree
2. In Which extent do you think that (as a Home Loan borrower) you are completely
informed with the reason behind not to sanctioned the full amount requested for home
loan?
o Strongly disagree
o Disagree
o Neither agree nor disagree
o Agree
o Strongly agree
Do you have any recommendation?
…………………………………………………………………………………………………
…………………………………………………………………………………………………
…………………………………………………………………………………………………
………………..…………………………………………………………………………………
………………..…..……………………………………………………………………………
……………………..…
Thank You
