Loan management of Search Credit and Savings Cooperative Ltd

Internship Report
On
Loan Management
The internship report is submitted to the Department of Business Administration Sylhet
International University, Sylhet, in the partial fulfillment of the requirements for the
degree of Bachelor of Business Administration in Finance.
SUBMITTED TO
Mohammad Rezaul Kabir
Assistant Professor
Dept. of Business Administration
Sylhet International University
SUBMITTED BY:
Md. Ikbal Hussain
ID –BA’1216
Bachelor of Business Administration
DATE OF SUBMISSION:
SYLHET INTERNATIONAL NIVERSITY
SHAMIMABAD, BAGBARI, SYLHET-3100
Sylhet – 3100.

Letter of Transmittal
Date: ………………
Internship supervisor & Assistant Professor
Department of Business Administration
Sylhet International University, Sylhet.
Subject: submission of the Internship Report.
Sir,
I, Md. Ikbal Hussain, was being assigned to surface the internship report on “Loan
Management ” For the successful competition of my course.
I found this report to be useful and practical where the intent was to incorporate the
knowledge gathered throughout the period of my graduation. I have enjoyed every instant
where preparing this report. I tried to the maximum competence to meet all the
dimensions required for this report. However some of the aspects are unintentionally
overlooked. It is hoped that you would ignore any discrepancies considering my
limitations.
This report has enlarged my level of knowledge and I truly realize the importance of
working with this assignment. Any sort of clarifications needed regarding this report will
be met right away.
Thanks and Best Regards,
………………………
Md. Ikbal Hussain
ID No. BA-1216
Sylhet International University, Sylhet.

Date: …………………..
Letter of Certificate
This is certified that Md. Ikbal Hussain, a student of BBA 12th
batch ID No 1216, has
successfully completed his internship repot for the partial fulfillment of the requirement
of the BBA degree in the department of Business Administration. This report reveals
“Loan Management.”
I wish him every success in life.
………………………………..
Assistant Professor,
Shamimabad, Bagbari, Sylhet-3100
Bangladesh.

Acknowledgement
In the preparation and completion this report, I acknowledge the encouragement and
assistance given by a number of people and institution. First of all I want to pay my
gratitude to the Almighty Allah for preparing this internship report successfully. I am
most grateful to the management of Tepantor Saving and Credit Co-operative Ltd for
their cooperation.
I want to express my gratefulness to my internship supervisor Mohammad Rezaul
Kabir, Assistant Professor, department of Business Administration, Sylhet International
University for providing me continuous support and guideline to prepare a collaborative
formal paper. Her contribution to me can only be acknowledged but never be
compensated. I would like to thank all the officials of Tepantor Saving and Credit Co-
operative Ltd, especially the Managing Director, Md Ziul Kobir and, Niloy Kanti
Dash, Finance Director.
At last, I want to thank our respected faculty Mohammad Rezaul Kabir once again for
giving me such an opportunity, which has obviously enhanced the knowledge I have
gathered will be very beneficial in my career.
.

Declaration
I am hereby declare that this assignment “Loan Management ” was carried out by me
under the supervision and active guidance of Md.Bashir Uddin, Lecturer, department of
Business Administration. Sylhet International University Sylhet.

Table of contents
Chapter – 1 Introduction P(01-04)
1.1 Introduction 02
1.2 Cooperative Principles 03
1.3 Scope of the Study 03
1.4 Methodology 03
1.5 Time period of the study 03
1.6 Sources of Data collection 04
1.7 Objectives of the Report P(05-10)
Chapter– 2 Organizational overview 06
2.01 About TSCCL 06
2.02 Mission, Vision and Goal of the Organization 07
2.03 Operations of Cooperatives 07
2.04 A simple organizations structure 08
Chapter–3 Investment Services P(11-18)
3.01 Savings Scheme 12
3.02 Our Term deposit products are 14
3.03 Earner Scheme 16
Chapter–4 Credit Program P(17-24)
4.01 Quick loan 18
4.02 Lease Finance 18
4.03 Micro Credited 19
4.04 Collateral free products 20
4.04.01 BUNON ( Woman Entrepreneurs) 20
4.04.02 Shondi (Personal Loan) 22
4.04.03 Bondhon (Seasonal Loan) 23
4.05 Loan Management system
Chapter 5 : SWOT Analysis P(25-28)
5.01 SWOT Analysis 26
5.01.01 Strengths 26
5.01.02 Weaknesses 27
5.01.03 Opportunities 27

5.01.04 Threat 27
Chapter - 6 : Social Responsibility P(29-32)
6.01 Tepantor and Social responsibility 30
6.02 Tepantor Treatment Help project 30
6.03 Tepantor beggar rehabilitation project 31
6.04 Tepantor stop jowtuk & marriage help project 32
Chapter – 7 : Concluding Part P(33-38)
7.01 Findings 34
7.02 Recommendations 35
7.03 Conclusion 37
7.04 References 38

1.01 Introduction:
“Cooperation” implies to act or to work together among people for whatever lawful activities.
This is an ordinary meaning of cooperation.
A cooperative (also co-operative; often referred to as a co-op) is a business organization owned
and operated by a group of individuals for their mutual benefit. Cooperatives are defined by the
International Cooperative Alliance's Statement on the Cooperative Identity as autonomous
associations of persons united voluntarily to meet their common economic, social, and cultural
needs and aspirations through jointly owned and democratically controlled enterprises. A
cooperative may also be defined as a business owned and controlled equally by the people who
use its services or by the people who work there. Cooperative enterprises are the focus of study
in the field of cooperative economics
“Cooperative”, according to the Cooperative Societies Act 1904, means a group of persons who
jointly conduct affairs for socio-economic interests on the basis of self-help and mutual
assistance, and are registered under the Act.
So, we organize cooperatives for solving common pressing problems we, each, cannot solve
separately. Or they are organized to serve the interests of their members in earning their living
much more advantageous than they act individually.
1.02 Cooperative Principles:
The main objective in organizing a cooperative is to unite a concerted effort of the people
to solve the problems in life they cannot solve individually. A cooperative upholds the
principle of voluntariness of the persons who join the cooperative. They enjoy equal
rights in the operations of the cooperative, and share all the benefits derived from them.

As a cooperative is a business organization with specific characteristics, it has to strictly
follow, in its operations, the following seven principles accepted universally as the
Cooperative Principles, i.e.
1. Voluntary and open membership,
2. democratic member control,
3. member economic participation,
4. autonomy and independence,
5. education, training and information,
6. cooperation among national and international cooperatives,
7. concern for community
Cooperative sector is expanding its hand in different financial event every day. At the
same time the Cooperative movement process is becoming faster, easier and its arena is
becoming wider. As the demand for better service increased day by day, they are coming
with different innovative ideas & project. In other to survive in the competitive field of
the Cooperative sector, all the organizations are looking for better services opportunities
to provide their members.
One important challenge that the financial sector is facing is the introduction of
information technology system in an aggressive manner. This is required to improve
management efficiency, reduce operational cost, improve customer services, and increase
transparency. Hence, the financial sector would play a vital role in the development of the
country and efficient management would led the country to reach at the highest peak of
success.

1.03 Scope of the Study:
The scope of this report is to analyze the operation of all departments and to evaluate the
performance of the different departments of Tepantor Savings & Credit Cooperative Ltd.
1.04 Methodology:
The methodology of the report is stated below, which was appropriately exercised in achieving
the above stated objective.
1.05 Time period of the study:
For the fulfillment of my desired purpose the working 90 days I have spent in various
departments of Tepantor Savings & Credit Cooperative Ltd, Sylhet Branch, 807,West World
Shopping City, Zindabazar, Sylhet, Bangladesh.
1.06 Sources of Data collection:
All the information in the study has been integrated and collected from the primary
sources as well as secondary sources. For the collection of information the following
steps has been taken-
a) Developing both open ended and close ended questionnaires for qualitative and
quantitative information.
b) Interviewing people related to different occupations such as business, service
sector, and creative work, members of the cooperative whoever deals with
cooperative.
c) Gathering information from cooperative manual.

Primary Sources:
Discussion with Officers.
Personal observation.
Desk work in different sections/departments.
Secondary Sources:
Annual report of the TSCCL.
Consultation of related book and publications.
Different Statements.
File Balance sheet and various documents.
1.07 Objectives of the Report:
The primary objectives of the report are:
To submit a report, for the fulfillment of my BBA practical.
The main objective of this report is to find out the “Loan Management ”
To gather comprehensive knowledge on overall functions of Tepantor Savings & Credit
Cooperative Ltd.
Identify the factors contributing to the attractive and operative performance of the Sylhet
branch.
To make a study of the facts in order to arrive at certain conclusion about overall
operation.
To know the guidelines and policies of Cooperative of Bangladesh.

The saving and credit cooperative is a type of financial institution whose members are
people having the same occupation or living in the same community. Its purpose is to
promote savings among members and provide loan funds for productive investment. At
first, some British civilians started it in their districts with considerable success. On the
initiative of the government of Bengal, it was launched with the enactment of the Co-
operative Credit Societies Act 1904.
2.01 About TSCCL(Tepantor Savings and Credit cooperative Limited):
Present-day circumstances are such that people are constantly faced with an increasing
cost of living. Low income people especially suffer because they never seem to earn
enough to cover their daily needs. They tend to deal with this problem by turning to
illegal moneylenders, who charge them very high rates of interest. By so doing their
indebtedness is increased even more and the situation becomes more serious for
themselves and their families.
These are the people who stand to benefit from joining others, under the principles of self
help and mutual help, to deal with these money problems. The co-operative ventures
were severely affected during the war of liberation it is run still now. Tepantor Savings
and Credit cooperative Limited (TSCCL), an associate company of Tepantor Group,
commenced business in 2009 as a first generation cooperative company in Bangladesh.
The company incorporated as a public limited company under the Cooperative Act 1904.
The vision was to assist the development of the people by extending equipment financing
to the service sectors. TSCCL actively participated in the private sector led
industrialization drive that the country embarked on in the early 2009s as financing
became popular amongst the entrepreneur as an alternative source of finance. More and
more investments in capital items began being made through financing in view of its
flexibility and advantage over traditional finance. Since inception TSCCL has maintained

prudent investment policies and has successfully positioned itself among the frontrunners
in an increasingly competitive financial service sector. Building a diversified pool of
assets spread across almost all sector of the economy and serving a wide spectrum of the
member in the process. However, the Company’s major and most profitable business
segments are financing to the small and medium enterprises who is the member of this
Cooperative. The company enjoys a sound reputation for excellent to their member
service.
TSCCL has the financial strength, management capability and committed human
resources to ensure sustainable growth.
2.02 Mission, Vision and Goal of the Organization:
Mission:
1. To instill the Co-operative Spirit as a way of life;
2. To provide the best benefits and assistance possible;
3. To serve our members as one of our own family;
4. To improve our member’s economic well being;
5. To increase leadership through participation in the affairs of the Co-operative;
6. To promote a sense of belonging for the Co-operative; and
7. To co-operate with other Co-operative and organizations to strengthen the Co-
operative principles.
Vision:
To build a strong and viable Co-operative, unified by a common ambition to
promote Cooperative Principles. Through the Co-operative Spirit we shall achieve
self help, self-reliance, economic strength, and unity.

Goal:
To support and organize the development of safe and sound Savings and Credit
Cooperatives in Bangladesh by providing quality cooperative education and technical
support on a sustainable basis.
Corporate objective:
1. To promote the economic interest of its members;
2. To encourage thrift, co-operation, self-help and mutual assistance among its
members;
3. To undertake co-operative ventures and projects for the benefit of the members;
4. To promote greater awareness and consciousness of a progressive and improved
lifestyle among members of the community;
5. To alleviate or reduce the gratitude of the members by enabling them to obtain
loans on terms better than those in the commercial market.
2.03 Operations of Cooperatives:
Cooperatives carry on business under the laws of the country, including the
Cooperatives Act and their by-laws, which prescribe their power of operations as
follows:
To carry on a business, production, commerce, services and industry for
members’ benefits;
To receive saving or fixed deposits from their members or other
cooperatives in accordance with the regulations of the cooperatives;

To acquire or dispose of ownership or real rights in property in accordance
with the Civil and Commercial Code;
To grant loans or credit, to lead, to let, to let on hire-purchase, to take
mortgage or pledge of property to the members;
To grant loans to other cooperatives in accordance with the regulations of
the cooperatives;
To provide welfare or relief to the members and their families; • to give
technical assistance to the members;
To apply for or accept technical assistance from the government, foreign
agencies or other persons;
To carry on all other affairs in connection with, or relating to the fulfillment
of the objectives of the cooperatives.
2.04 A simple organizations structure:
A cooperative is based on democracy. All cooperative members are its owners; but not all
of them can administer a cooperative. Therefore, they have to elect, among themselves, a
board of directors to carry on the administration on their behalf. According to the
Cooperatives Act, a board of directors comprises not more than 15 directors, being
authorized to execute all the affairs and representing the cooperative for the affairs
related to the third parties.

4.01 Quick loan:
In order to meet your unexpected requirement we are providing quick loan
against your deposit amount with us.
Features of our Quick loan facility:
Quick loan can be availed up to 1.5 times on your investment amount
Deposit instrument need to be submitted to TSCCL (lien) for security
purpose
Loan interest rate will be 2% higher than the deposit rate
At the time of settlement of loan instrument will be refunded to the
depositor
In case of encashment all loan amount will be adjusted with the principal
amount, if there is any outstanding
No guarantee required for QLF purpose.
4.02 Lease Finance:
We provide lease financing facilities to all market segments of customers, Small
& Medium Enterprises and Commercial Houses.
Under Lease financing we provide:
Industrial machinery and motor vehicles at concessionary term.
Machinery and Furniture for Hospital use.
Auto rickshaw leguna pickup-van for Transportation.
Equipment or Furniture for shop use.
Benefits of our Lease financing:

We provide 80%-100% lease financing for a period of 3-5 years. Thereby,
you can avoid capital investment and utilize fund elsewhere.
Your lease rentals can be structured as monthly, quarterly, semi-annually
or annually to match with your cash flow generation.
Lease financing at TSCCL are customized into number of facilities like,
lease local, sale & lease back and lease foreign. That allows you to lease
new or existing asset from local or foreign vendor.
As TSCCL is providing capital or financial lease, at the termination of
contracts you will have the opportunity to renew the lease or purchase the
asset with a minimum transfer price
You can prepay and adjust full or partial amount with receivable only after
adjustment of first six installments.
Construction of repayment schedule using this method allows you to pay
lower interest as principal payments are gradually adjusted with
receivables.
Lease rentals are treated as revenue expenditure and are entirely deductable
for tax purposes. This provides a greater tax benefit for you in comparison
to borrowing
4.03 Micro Credited:
Small enterprises play an important role in the economic and social development
of our country. To meet their requirement we further customize our facility into
small loan facility .Small enterprises play an important role in the economic and
social development of our country. Create millions of jobs and increase the
competitiveness of our economy. Yet they find it difficult to convince banks due
to high costs entailed in granting loans and the risks to which lenders are

exposed. Considering above, to meet their requirement we further customize our
facility into small loan facility.
4.04 Our Collateral free products are:
1. Bunon (Woman Entrepreneurs)
2. shondi (personal Loan)
3. Bondhon (seasonal Loan)
4.04.01 BUNON ( Woman Entrepreneurs)
BUNON is the credit facility for the entrepreneurs members of SEARCH to expand and
operate their businesses at desired level.
Key Features
Any justifiable business purpose for Small entrepreneurs
Investment amount - Tk 10,000 to Tk 2.5 lac .
Tenure – 3 to 30 months.
Interest rate- 19% p.a.
Eligibility
Age: At least 21 years
Any entrepreneur having the experience of successfully managing the business for at
least two years may apply for the loan.
Required Documents
Trade license - at least 2 (two) years old.
Special license ( if applicable)
Notarized partnership deed/registered by Sub Register Officer (in case of

partnership)
Memorandum and Articles of Association in case of Private Limited Co.
Passport/National voter ID/ward commissioner/UP chairman certificate of the
proprietor/partner/directors.
6 copies Photo of the proprietor/ partners.
Last 12 months bank statement of transactional account. ( if applicable)
Service charge applicable.
All transaction will be held by check.
Security/Collateral
Registered mortgage of property/ Gold/ Prize bond.
Machineries, equipments, vehicles, inventories.
Lien of cash collateral (FDR) and other encashable financial instrument
4.04.02 Shondi (Personal Loan)
Shondi (Personal Loan) is the credit facility for the members of SEARCH to expand and
operate their businesses/ personal life at a desired level.
Key Features
Investment amount - Tk 10,000 to Tk 2.5 lac .
Tenure – 3 to 30 months.
Interest rate- 22% p.a.
Eligibility

Required Documents
License ( if applicable)
Passport/National voter ID/ward commissioner/UP chairman certificate of the
proprietor/partner/directors.
4 copies Photo of the proprietor/ partners.
Grantor.
Last 12 months bank statement of transactional account. ( if applicable)
Service charge applicable.
All transaction will be held by check.
Security/Collateral
Machineries, equipments, vehicles, inventories.
4.04.03 Bondhon (Seasonal Loan)
Bondhon offers you the loan facility to grab the additional opportunities in various festivals
and seasonal events (i.e. Eids, Pujas, Christmas, Bengali and English New Year etc.) by
organizing special business arrangements to increase sales and profit for your business.
Key Features
To meet short term financing need of any existing small and medium enterprise
Investment amount – 20,000 to 2, 50,000.

Tenure- 3-12 months
Eligibility
Any entrepreneur having the experience of successfully managing the business for at
least two years may apply for the loan.
Required Documents
Trade license
Special license ( if applicable)
Notarized partnership deed/registered by Sub Register Officer (in case of partnership)
Passport/National voter ID/ward commissioner/UP chairman certificate of the proprietor/
Partner.
Photo of the proprietor/ partners and guarantors.
Last 12 months bank statement of transactional account.
Statement of all active bank loans (if any).
Security/Collateral
Hypothecation of machineries, equipments, vehicles, inventories
4.05 Loan Management System:
Loan Management System (LMS) is a centralized Loan management platform designed to help
financial institutions to meet the dynamically changing Business requirements and to manage
stiff competition, reduced margins, larger volumes and increased customer expectations
effectively. It has multiple delivery channel support to reach new customers and market
segments.

What Does Disbursement Mean?
The act of paying out or disbursing money. Disbursements can include money paid out to run a
business, spending cash, dividend payments, and/or the amounts that a lawyer might have to pay
out on a person's behalf in connection with a transaction.
Investopedia explains Disbursement
when money is disbursed, it is a cash outflow. Cash flow is a measure of the cash inflow,
revenue, and cash outflows, or disbursements. Ideally, there will be more money flowing in than
flowing out. If cash flow is negative (in other words disbursements are higher than revenues), it
can be an early warning of potential insolvency.
Quick loan:
Year Amount Growth
2008 2,370,000
2009 2,950,000 24.47
2010 3,500,000 18.64
2011 4,323,900 23.54
Comment: The growth rate of the quick loan in 1st
year is 24.47%. In 2nd
year the growth rate is
decrease and last year the growth rate also increase. The trend is positive.
0
5
10
15
20
25
2008 2009 2010 4th Qtr

Lease finance:
Year Amount Growth
2008 1,734,500
2009 2,450,000 41.25
2010 2,970,452 21.24
2011 3,831,883 29
Comment: It is to be noted here that lease finance of Tepantor Saving & credit co. Ltd. has been
quite good throughout the periods especially in the year 2009 & 2011. But in year 2010 it
showed a declining growth from the previous year.
0
5
10
15
20
25
30
35
40
45
1st Qtr 2nd Qtr 3rd Qtr 4th Qtr
Bunon (Woman Entrepreneurs):
Year Amount Growth rate
2008 850,000
2009 1,132,000 33.17
2010 978,500 -13.55
2011 1,045,650 6.86
Comment: BUNON (Woman Entrepreneurs) is the credit facility for the entrepreneur’s
members of SEARCH to expand and operate their businesses at desired level. It is to be noted
here that bunon of Tepantor saving & credit co. Ltd. has been quite good throughout the periods

especially in the year 2009 & 2011. But in year 2010 it showed a declining growth from the
previous year.
-20
-10
0
10
20
30
40
shondi (personal Loan):
Year Amount Growth
2008 1,100,000
2009 1,353,000 23
2010 1,610,070 19
2011 1,896,179 17.77
Comment: Shondi (Personal Loan) is the credit facility for the members of SEARCH to expand
and operate their businesses/ personal life at a desired level. It increased enormously. But
thereafter a Sharpe fall in response of the last year growth. After that its gross premium tunes in
a sound but increasing in a decreasing rate.
0
5
10
15
20
25
East

Bondhon (seasonal Loan):
Year Amount Growth
2008 1,100,000
2009 1,340,000 20.90
2010 1,290,000 -10.41
2011 1,345,000 4.26
Comment: Bondhon offers you the loan facility to take the additional opportunities in various
festivals and seasonal events (i.e. Eid, Puja, Christmas, Bengali and English New Year etc.) by
organizing special business arrangements to increase sales and profit for the business. Growth
was 30.90% from year 2008 to 2009 but then it declined to 10.41% in 2010 and soared up to
4.26% and it was positive trend again.
-15
-10
-5
0
5
10
15
20
25
2008 2009 2010 2011
East
Loan collection:
When the loan is disbursing then collection process is start. The Tepantor Saving & credit Co.
Ltd. collected their loan by the sales force. Most of the loan collected by check.
Quick loan
Year Amount Growth
2008 1,570,000
2009 2,050,000 30.57
2010 2,500,000 21.95
2011 3,200,000 28

Comment: The growth of loan collection of quick loan is positive trend. In 2009 it growth is
30.57% but it decline in positive movement in 2010 which is 21.95%. In 2011 it also increase
from 2010 to2011 and its growth rate is 28%.
Lease finance:
Year Amount Growth
2008 929,400
2009 1,050,000 12.97
2010 1.770,452 68.61
2011 2,015,000 13.81
Comment: In 2nd
year collection of Lease finance growth of Tepantor saving& credit co. Ltd. has
been quite inconsistent throughout the periods. Growth was 68.61% from year 2009 to 2016 but
then it positive declined to 13.81% in2011. But it was positive trend.
Bunon (Woman Entrepreneurs):
Year Amount Growth
2008 350,500
2009 546,780 56
2010 410,600 -25
2011 476,072 14.51
Comment: The collection of Bunon in 2009 is 56%. But in following year it takes a great fall
which is decline 25%. Again in 2011 it growth rate is increase. The bunon loan collection is
create mixed situation.

shondi (personal Loan):
Year Amount Growth
2008 475,000
2009 534,875 12.60
2010 842,150 57.66
2011 1,429,500 69.97
Comment: collection of Shondi (personal loan) of Tepantor saving& credit co. Ltd. is growing
in every year. The Company is concentrate to increase its collection based in the last four years.
It growth rate is gradually increase year to year.
Bondhon (seasonal Loan):
Year Amount Growth
2008 573,550
2009 482,000 -15.96
2010 598,460 24.16
2011 746,555 24.74
Comment: Tepantor saving& credit co. Ltd. Collection of Bondhon (seasonal loan) grew in
every year in a decreasing rate except the year 2009. The average growth of Bondhon from year
2008 to 2011 was 18.34%, where as maximum growth was 24.74% in 2011.
Total Disbursement:
Year Total amount Growth rate
2008 7,154,500
2009 9,325,000 30.33
2010 10,349,022 10.98
2011 12,442,612 20.22

Comment: The growth of total disbursement is positive trend. In 2009 it growth is 30.33% but it
decline in positive movement in 2010 which is 10.98%. In 2011 it also increase from 2010
to2011 and its growth rate is 20.22%.
Total collection:
Year Total amount Growth rate
2008 3,898,450
2009 4,663,655 19.62
2010 6,121,662 31.26
2011 7,867,127 28.51
Comment: the total growth of loan collection of Tepantor saving& credit co. Ltd. has been quite
inconsistent throughout the periods. Growth was 31.26% from year 2009 to 2010 but then it
positive declined to 28.51% in2011. But it was positive trend.

5.01 SWOT Analysis:
A scan of the internal and external environment is an important part of the strategic
planning process. Environmental factors internal to the firm usually can be classified as
strengths (S) or weaknesses (W), and those external to the firm can be classified as
opportunities (O) or threats (T). Such an analysis of the strategic environment is
referred to as a SWOT analysis.
The SWOT analysis provides information that is helpful in matching the firm's resources
and capabilities to the competitive environment in which it operates. As such, it is
instrumental in strategy formulation and selection. The following diagram shows how a
SWOT analysis fits into an environmental scan:
SWOT Analysis Framework
Environmental Scan
/
Internal Analysis External Analysis
/ /
Strengths Weaknesses Opportunities Threats
|
SWOT Matrix
5.01.01 Strengths:
TSCCL is the first in this industry and therefore enjoys first mover
advantages.
TSCCL has very high skilled, energetic, hard working and motivated human
resources.

TSCCL does not comply with undue political influence.
TSCCL is better equipped to compete in an ever changing and challenging
business environment.
5.01.02 Weaknesses:
Lack of commitment to one huge investment project since they do not want to
take that big risk not enough of diversity in the product range i.e. they do not have
auto loans, home loans, marriage loans etc.
5.01.03 Opportunities:
• With growth in the corporate sector, the demand for the lease financing is also
growing and consequently, the lease financing industry. There has been a recent
booming of the capital market of Bangladesh, with this in mind TSCCL could
diversify and introduce merchant banking and securities services By introducing
new products such as car loan, vacationland, etc TSCCL can expand its market.
• By increasing its promotional activities the company can familiarize itself to
urban household outside Dhaka and introduce retail products that other NBFI’s
have not done so.
5.01.04 Threat:
Continuously increasing inflation rate result in less payout of funds and cost of
borrowing funds. There is a clear trend of increasing competition in the lease
market with the entry of more leasing companies and leasing by commercial banks.
Among the NBFI’s doing business in Bangladesh, Search saving & credit Co-
operative Limited is the second largest in terms of credit portfolio.

Some threat of TSCCL:
i) Decision making process is very lengthy and sometimes it creates problems,
which is unexpected.
ii) The total number of employees in comparison with needed is very short. This is
hampering the daily operation of the Company.
iii) There is very limited training facility.

6.01 Tepantor And Social Responsibility:
Bangladesh, our mother land where thirsty, hungry, need are the main problem
suffering the people day by day. Poverty is the complemented to their life. Most
of the people of our country live under the poverty line. They are beggar, they
bagging door to door, their peace like a dream! All are busy great busy with their
own work. So the problem of the poor people’s is increase day by day. So,
considering those people Tepantor savings and credit Co-operative Limited
starting four projects at first and these kinds of project increase day after day.
These projects are:
Tepantor treatment help project
Tepantor beggar rehabilitation project
Tepantor stop jowtuk & marriage help project
6.02 Tepantor Treatment Help project:
Treatment is the basic need for people but this sector is not completed for the people of
our country. Hundreds of people of our country died without treatment. In our country,
govt. hospitals management and situation is not proper for the patient. On the others hand
private clinic and hospital establish for the rich people. As a result TSCCL take this
project for help the poor people and its members. By this project we provide free
treatment or partial free treatment. This projects slogan is “No deprived people died
without treatment.” Many more patient apply for this project but fund is not richer. So,
we cannot help the entire applicant. You can take a patient disbursement and give the life
who prays all time for you. We provide a certificate for helping the poor people where all
description written. Take a step in this social work and enrich the fund by will you’re a
small portion of your income.

a) Siger delivery 20,000/= (complete package)
b) Pitho operation 30,000/= complete package
c) Hernia operation 20,000/= complete package
d) Haar vangha operation 26,000/= complete package
e) Canser treatment 50,000/= complete packege
6.03 Tepantor beggar rehabilitation project:
Population is the great problem in our country. Most of the people are poor. They are
live under the poverty line and no person for look after them. None of the country in the
world where there is no beggars. The numbers of beggars increase very rapidly. In our
country its raise swiftly then others country. people help them when they want, rich
people provide some food or food items or 2-3 taka but beggars are increase not
decreases. Because this kind of help is not proper way, unplanned or unintentional.
Tepantor Savings and Credit Co-operative Limited (TSCCL) take a project to rehabilitate
the beggars, which is “Tepantor Beggars Rehabilitation Project”. Tepantor see a dream
where there is no beggar in our country, all the people are self dependent. A question
occur, how we success the project? The answer is also very easy people of the society
how to react it, how they love their brothers and sisters.
We are re-establishing the beggar from their begging profession by using the following
package:
I. General beggar: The beggar have a little accommodation but he have no income
sources, we provide him taka 25,000/= only.
II. Unaided Beggar: The beggar have no accommodation and he is helpless with his
family members, we provide him 50,000/= taka only.

III. Very Helpless Beggar: the beggar who have no accommodation, no income
sources and helpless with his family members, we provide him 75,000/=taka only.
We invite all the people of the society to help the beggar with a systematic way where a
beggar can change his profession. By your help a beggar can serve the other people but
you get the feedback from Allah. We provide a certificate to you for contribute this
project to a social worker and we also give a document which beggar rehabilitate by your
contribution.
6.04 Tepantor stop jowtuk & marriage help project:
We take a project for the member of the TSCCL and others who are powerless to
marriage their daughter or the son party want “jowtuk” from the daughter father. As
result the daughter father face a great problem to their daughter. So, Tepantor Saving and
Credit Co-operative Limited (TSCCL) take a project “Tepantor Stop Jowtuk & Marriage
Help Project”. By this project we provide all kinds of facilities for marriage the daughter
with an appropriate husband. As a result TSCCL run the project by following way:
I. General Marriage Help (one party): 40,000/= taka only.
II. General Marriage Help (both party): 80,000/= taka only.
III. Special Marriage Help (one party): 50,000/= taka only
IV. Special Marriage Help (both party): 1, 00,000/= taka only.
We invite the people of the society to contribute this project and help the poor person
who is facing a great problem of their daughter. We give a certificate where the
identification is written.
Near future Tepantor Saving and Credit Co-operative Limited will take the following
project to their members and others. These are:
Tepantor self dependent project
Tepantor education asst. project
Tepantor poor & Husband died Women’s help Project.

7.01 Findings:
The 3 (three) months internship program has been going to be finished through writing a
report. During the time of internship I have tried with my best to acquire theoretical and
practical knowledge .Being an employee of Tepantor Savings & credit Cooperative Ltd.
The services of TSCCL are good comparing to the market; but there is
significant scope of improvement.
Deposit is the sources of funds for financial sectors, in other words it is the
supply side of the Loan able funds in Invest management system.
There is a major problem in this scoter regarding attracting more
deposits.
Recovery profile of small and medium debtors is better than large ones in
our country. The fastest growing borrower segment in the world is the
“SME” segment. However, very few of our products are geared
towards supporting this segment of the market. Traditionally, we have
considered this segment as high-risk.
The TSCCL needs to make significant effort to improve the employee
relationship with clients.
The service quality of the bank is satisfactory; but there is massive scope
of improvement as some of the respondents did not provide positive
comment.
The environment inside the TSCCL needs to be improved significantly for
efficient and pleasant banking activities for the customers.
The services of the TSCCL need to be reevaluated to attract customers.
Profit rate is the most important factor that is considered by the customers
when they are thinking about FDR/other deposits.

To increase customer satisfaction the TSCCL needs to improve their
service quality by providing more importance on customer’s
preference.
.
7.02 Recommendations:
A bank is an institution that is to remain active for a long term. In this mean time,
if the good will of the bank is affected due to negative word of mouth and poor
services; ultimately a major section of the customers will switch the banks
because of competitors finding the gap and filling it.
Members are the main boost towards co-operative industry. Thereby, providing full-
fledged support, sharing the ideas towards the members and clients are very much
required. From the above discussion of this report, I like to suggest the following
recommendations for Tepantor saving & credit Co-operative Limited.
It is recommended that:
Steps are taken to implement the new process in order to ensure a smooth
service as promised to customers.
To promote TSCCL as a brand in local Sylhet.
Employees needed to given adequate training to work and handle clients under
pressure
Advance policy of our financial sector shows that agricultural sector is the neglected
area due to the low loan recovery rate and lending to agricultural sector is risky
because of the variation in the products due to natural calamities. But agriculture’s
contribution in our GDP is still significant (29.95% of total GDP).
TSCCL should increase more Consumer Banking activity to their Consumer.

TSCCL should pursue advertisement campaign in order to build a strong
image among the local Sylheti people
They should invent other type of deposit to attract more customers which is
different from other organization
TSCCL should develop more strategic planning as to compete with its rival
organization.
TSCCL may introduce one stop service for its members
Recruit more efficient employees.
TSCCL should use the latest mobile technology for build up the better
relationship.

7.03 Conclusion:
The opportunity of the competition the thesis on a renowned financial company like
Tepantor saving & credit Co-operative Limited has given me a lot of practical
experience about the financial sector of Bangladesh.
An organization is good as the service it offers. Customer Services at TSCCL, is more
than just a smile. It is an entire philosophy deeply embedded within very fabric of
the organization. It is the “concern” for customers’ needs, the “care” that express
and the “competence” with which fulfill these needs. The constant support and the
“affection” that we add to build long-term relationships. It is the effort to find new
ways to improve offerings, to anticipate problems to simplify processes - in short to
stay true and firm to strong commitment of a service with a smile. The management
of the firm must be sincere to overcome the threat. They also should use all the
opportunities to face the challenges.

7.04 References:
I) Book References:
1) Annual Report of Tepantor Savings & Credit Cooperative Ltd 2010.
2) CIB manual of Bangladesh Bank.
3) Co-operative Credit Societies Act 1904.
4) Special Power Act, 1974 (XIV of 1974);
5) P.N. Varshney.A Text Book of “Banking law and Practice”
6) MD. Khalequjjaman. A Text Book of “Higher Banking Insurance” Page (33−87).
7) Business of Banking publisher: Rana Debnath, lotus publishers, Dhaka-1100
8) How Countries Supervise their Banks, Insurers and Securities Markets 2009 - By Robert
Pringle
9) Faruque, Department of Animal Breeding & Genetics, Bangladesh Agricultural
University, Mymensingh, Bangladesh.
II) Online References:
1.www.reportbd.com
2.www.amazon.com
3. www.google.com
4. www.Bangladesh-Bank.org
5. www.yahoo.com
6. www.trccoop.org

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