The document is a presentation on Islami Bank Bangladesh Limited's (IBBL) Rural Development Scheme. It introduces the presenters and provides background on IBBL's objectives of establishing Islamic economy and alleviating rural poverty. It then describes the Rural Development Scheme which provides investment facilities for agricultural and off-farm activities. It lists eligible sectors, financing limits, and 2015 performance statistics. Some problems with the scheme are identified such as low client morality and default culture. Suggestions are provided for IBBL to address these issues.

1. WELCOME TO OUR
PRESENTATION
Our topic :Rural development scheme of
IBBL

3. We are “SAGAR”
Here are our Identification …..
 Md. Rakibul Hasan - B 125054
 Md. Al- Emdad - B 125050
 Md. Washim Ahmed - B 125048
 Md. Moniruzzaman Sobuj - B 125102
 Md. Mohsin Bin Roshid - B 125065
 Md. Liar Hossen - B 125127
 Md. Kamruzzaman - B 125001
 Md. Shabbir Hasan - B 125116
 Asifa Akter - B 125114

4. INTRODUCTION
Most of the people of Bangladesh are living under poverty line.
To alleviate poverty, thousands of NGOs and GOs have been
working since the inception of the Bangladesh.
 Bangladesh with its 38% people living below poverty line and
18% living in absolute poverty is suffering from acute rural-urban
economic disparity coupled with illiteracy, lack of proper health
and sanitation facilities. Islami Bank Bangladesh Limited was
founded with the major objective of establishing Islamic
economy for balanced economic growth by ensuring reduction
of rural-urban disparity and equitable distribution of income.
Accordingly, a Scheme in the name and style of 'Rural
Development Scheme' has been introduced in 1995.

5. RDS’S PROSPECT
To extend investment facilities to agricultural, other farming and off-farming
activities in the rural areas.
To finance self-employment and income generating activities of the rural
people, particularly the rural unemployed youths and the rural poor.
To alleviate rural poverty through integrated rural development approach.
To extend investment facilities for hand tube-wells and rural housing,
keeping in view the needs of safe drinking water and housing facilities of the
rural dwellers.
To provide education and Medicare facilities to the down-trodden people.

6. Sl. Sector of Investment Duration Ceiling of
Investment(BDT)
1 Crop Production 1 year 25,000/-
2 Nursery and commercial production of
Flowers & Fruits
1 year 50,000/-
3 Agriculture Implements 1 to 3 years 50,000/-
4 Live stocks 1 to 2 years 50,000/-
5 Poultry & Duckery 1 year 35,000/-
6 Fisheries 1 to 2 years 50,000/-
7 Rural Transport 1 year 20,000/-
8 Rural Housing 1 to 5 years 50,000/-
9 Off-firm activities 1 year 50,000/-

7. In 2015 RDS Program Areas of performance No.&Volume/Amnt.
Area Coverage
1
No. of Branches handling the
Scheme 251
2
No. of Villages (no. of total village
in the country is about 87,000)
18,810
3
No. of Districts (no. of total district
in the country is 64)
64
4 No. of Centers 28,740
5 No. of Groups 177,796
6 No. of Members (existing) 940,989
7
% of Women members in the
Scheme 79%
8
Average no. of members per
Centre (expected no. 40)
33
9
No. of Clients (Who availed
investment) 560,357

8. PROBLEMS
20% Client’s low moral obligation to declare its actual profit.
Default culture of the country.
The promotional activities of the Bank are not adequate to
widen its function.
The Branches of the bank have to depend on its Head office for
decisions.
The product diversification of the bank is very narrow.
The bank has 30% redundant manpower compared to other
banks of the same generation, which increases it operational
cost .
Persons having liabilities with other banks/institutions are not
eligible for investment under the Scheme.
The metropolitan and the hill tract areas.

9. টাকা দিতাম না !
পারলে তু ইো ননন
!!

10. IBBL May Do …..
Group meeting with members for developing their views.
More Promotional activities could work.
Various products launch for several named.
Flexible process for branches.
Slum dwellers, hill tracks people may be included.
Besides these clients morality development….