Amlan Biswas completed an internship at Janata Bank Limited where he analyzed the bank's loan disbursement and recovery system for women entrepreneurs. Some key findings were that the bank provides loans under a Women Entrepreneur Development Credit Program to encourage women-owned small businesses and cottage industries. The loan application process can be lengthy, involving forms, financial statements, interviews and other documents. Most loans are recovered either voluntarily or through persuasive means, with legal recovery pursued less often. Overall, Janata Bank plays an important role in supporting women entrepreneurs through long-term loan programs.

1. AMLAN BISWAS
REG NO: 16-05-4082
FACULTY OF AGRICULTURAL ECONOMICS AND RURAL DEVELOPMEN
“Loan Disbursement
and Recovery System of
Women Entrepreneurs in
Janata Bank Limited”

2. As the compulsory part of our bachelor degree in
Agricultural Economics I was assigned to this
internship under supervision of Farhana Arefeen
Mila, Assistant professor, Department of Agri-
business, Bangabandhu Sheikh Mujibur Rahman
Agricultural university and Md. Ariful Islam,
BACKGROUND

3. The number of women is nearly half of the total population in
Bangladesh. Empowering women economically is a fundamental
and unavoidable part of development dialog. In recent years, like
other developing countries of the world, Bangladesh has been
focusing on the most underprivileged group of women in the
society. Janata Bank Limited is contributing significantly to
promote women entrepreneurship in Bangladesh.
INTRODUCTION

4. Objective Of The Study
Broad
Objective
• To get an overall idea about the
women Entrepreneur loan
disbursement Activities of Janata Bank
Bangladesh Limited, Tongi corporate
Branch.
Specific
Objective
• To know who are the women entrepreneur and how much
amount is given for them.
• To know the procedure for approval of loans for women
entrepreneur.
• To understand the activities of loan disbursement & recovery
system for women entrepreneur in Janata Bank Limited.

5. Background of Janata Bank Limited
This is a progressive Bank
On 15th November, 2007 the bank has been corporatized and
renamed as Janata Bank Limited.
Dr. Jamaluddin Ahmed is the Honorable Chairman of Janata Bank
Limited.
Janata Bank has now 906 branches.
Janata Bank Ltd has been playing a significant role in the economic
development of the country by mobilizing savings and distributing
funds into different productive sectors.

6. Product and services of Janata bank limited

7. Research Approach : Qualitative
Sampling Methods : Random sampling method
Method of Data Collection :
Primary Data
Secondary Data
METHODOLOGY

8. ❑Lack of pre-experience and time constrain
❑ Data Insufficiency
❑ Data Confidentiality
❑ Lack of structured data flow
❑ Work on Particular topic.
❑ Authority did not disclose much information.
LIMITATION

9. Results and discussion
Women Entrepreneurs Development Credit Program in JBL
Women Entrepreneurs Development Scheme has been introduced to
encourage women in doing business. Under this scheme, the bank
finances the small and cottage industry projects sponsored by women
.With a view to extending financial support to women entrepreneurs,
JBL provides credit facilities to them.

10. ⮚Loan application form
⮚ Ownership and changes there in.
⮚ Analysis of Financial statement.
⮚ Analysis of past Transaction made with the Bank.
⮚ Credit Information Bureau Report (CIB Report)
⮚ Personal interview.
Terms and condition of Women Entrepreneur loan disbursement

11. Step of Women Entrepreneur loan
disbursement
• Duly fill-up first information sheet.
• Application for Loan.
• Collecting CIB report from Bangladesh Bank.
• Making Loan proposal.
• Head office approval.
• Sanction letter.
• Documentation.

12. Year wise Distribution of Women Entrepreneur loan in Tongi corporate
branch
Sl.No. Year Number of customer
1 2018 4
2 2017 4
3 2016 5
4 2015 4
5 2014 2
Graphical presentation :

13. Loan Recovery Procedures
Voluntarily
Persuasive Legally
Strategies
for Loan
recovery

14. ❖The objective of JBL is to earn profit as well as to improve the economic
welfare of the people as a whole.
❖ Janata Bank Limited has a deep concern for rural women and plays a
significant role in long term loan for women entrepreneur.
❖Sometime the document verification is done after the loan sanctioning.
❖There is shortage of manpower and lack of proper training for the
employees in loan section.
❖The loan proposal evaluation process is lengthy. Therefore, sometimes
valuable clients are losts.
Findings of the Report

15. Janata Bank Limited provides a wide range of commercial banking
services. Janata Bank Limited has achieved success among its peer
group within a short span of time with its professional and dedicated
team of management having long experience, commendable
knowledge and expertise in conversation with modern banking. The
management of the bank is maintaining an efficient portfolio in order
to have a healthy worth and retain customer satisfaction. Janata Bank
Limited give a great opportunity to women entrepreneur development
credit program in Bangladesh.
CONCLUSION

16. 1.SME Women Loan Policy documentation of the
JBL is very complicated. Bank need to make it easy
and understandable.
2.JBL interest of SME Women entrepreneur Loan is
lower than other commercial banks. So, they don’t
need to emphasize much on improving interest rate.
3.JBL can emphasize more on changing the rules or
select those women who have previous business
experience in short time.
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