...STRICTLY CONFIDENTIAL BSRM Information Memorandum for: Term Loan Facility: BDT 1,987 Million Arranger Agrani Bank Co-Arranger IDLC of Bangladesh Limited February 2006 Disclaimer This confidential Information Memorandum (IM) on BSRM Steels Limited, in connection with the proposed Syndicated Term Loan of BDT 1,987 Million has been compiled by Agrani Bank (Lead Arranger) & IDLC of Bangladesh Ltd. (Co-arranger) with a view to assisting the lenders in assessing the merits of the offer. The information, opinion and projections contained in this Information Memorandum have been supplied by the client. BSRM Steels Limited has confirmed to the Arranger & Coarranger that, to the best of its knowledge and belief and except as otherwise provided in this Information Memorandum, such information is true and fair in all material respects as at February 2006, that all such opinions are honestly held by the company, that all such projections are fair and accurate in all material respects having regard to the circumstances now prevailing and in the light of the assumptions made and that the Information Memorandum does not omit any information such that its omission would make this Information Memorandum or any information contained herein inaccurate, untrue, or misleading in any material respect. Agrani Bank & IDLC Of Bangladesh Ltd., in their role as Arranger and Co-arranger respectively have not independently verified the information, opinions or projections referred to in the IM. No...
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...objective of this thesis paper is to show the problems and prospects of telecommunication sector and its marketing strategies as individual company taking the steps time to time. It can be said that the Bangladesh telecom market has a lot of potential to offer considering strategically ignorable or somehow alterable threats. The market looks very potential and prospective. Lots of opportunities are waiting. CHAPTER 1 1.1 Introduction: Telecommunication Sector in Bangladesh: The liberalization of Bangladesh’s telecommunications sector began with small steps in 1989 with the issuance of a license to a private operator for the provision of inter alia cellular mobile services to compete with the previous monopoly provider of telecommunications services the Bangladesh Telegraph and Telephone Board (BTTB). Significant changes in the number of fixed and mobile services deployed in Bangladesh occurred in the late 1990s and the numbers of services in operation have subsequently grown exponentially in the past five years. The incentives both from government and public sectors have helped to grow this sector. It is now one of the biggest sectors of Bangladesh. As a populous country, its huge market has attracted many foreign investors to invest in this sector. The telecom sector in Bangladesh is rapidly emerging....
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...transactionalaccounts, loaning, ledgers and assignments.Organizational enterprises independent from the state also existed in the medieval Islamic world, while the agency institution was also introduced during that time. Many of these early capitalist concepts were adopted and further advanced in medieval Europe from the 13th century onwards. Bangladesh is one of the largest Muslim countries in the world. The people of the Muslim community wishes to design their economic activities in accordance with the percepts of Islam so the establishment of some numbers of Islami Bank in Bangladesh is the true reflection of long day’s deep cry in their heart. The Objective of Social Islami Banking is not only to earn profit, but also to do good and welfare to the people. Islam upholds that, money, income and property belong to Allah and this wealth is to be used for the good of the society. Social Islami Banks operate their banking activates based on the Islamic principles of profit and loss sharing and strictly avoiding interest. 1.2 Background and Purpose of the Internship Program The internship program is an integral part of the BBA program that all the students have to undergo of International Business Administration and Information...
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...Topic no.1- strategic management- A brief introduction: Strategy –definition, scope and importance: A strategy is a plan of action designed to achieve a vision. It can also be said that, strategy is a pattern in action over time of getting from here (present position) to there9 desired future position) Everybody is concerned with some strategy as it involves a plan “how and means of getting from here to there”. Strategy the word derives from the Greek word for generalship in army. It is the art and science of planning and marshalling resources for their most efficient and effective use. So, strategy is a method or plan to bring about a desired future prospect to adapt successfully. Three main areas of strategy: Every organization proceeds with some strategies. Corporate strategy is the linking process between the management of the organization’s internal resources and its external relationship with its customers, suppliers, competitors and so on. Every organization manages its resources in three main areas: 1) Resources strategy 2) Environment strategy 3) Adding value Resource strategy includes it resources such as – human skills, investment capital and others. Organization has to develop strategies to exploit those resources in a good pattern. Sometimes innovative ability can be a resource that is necessary to develop continuously. For example – Apple has huge investment in R&D sector. They have exploited their investment in that sector that...
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...under developed developing and least developed countries like Bangladesh. It contributes to the development of economy through the development of business and industries. It can perform well to meet financial needs of business enterprises on a continuous basis. Stock market in considered to be parameter of the economy. It is mechanism to flow fund from the hands of small savers (Individual and Institution) at low costs of those entrepreneurs who do need fund to start business an to expend capacity of existing business as to add new line of business. In other words, this capital market mechanism gives a part ownership of by companies to small savers scheme to share ownership of economic development with general public. Stock refers to shares bands. Debentures, mutual funds, derivates and future and option. Market refers to the way of exchanging assets usually cash for smoothing of value. So, we can say in a word, stock market in a market for trading products of stock market. Stock exchange is an independent company formed by shareholders members. It can take various decision independently the objectives of stock exchanges are to protect the interests of the investors and promote just and equitable principles of trade. The Chittagong Stock Exchange has been established in 1995 as a model of International Standard. Considering the import role of Chittagong Stock Exchange in the development of capital market in Bangladesh, my attempt has been made to study the contemporary practices...
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...A PROJECT REPORT ON PROJECT FINANCIANG OF THE PROPOSED 1 x 10 MW CAPTIVE POWER PLANT OF J U D CEMENTS LIMITED AT Vill. Wahiajer, Near Lumshnong Dist. Jaintia Hills, Meghalaya PREPARED BY xxxxxxxxxxxx MBA – xx SEMESTER REGD NO. xxxxxxx Note: This Report is submitted for the partial fulfillment of the requirement for the Degree of Master of Business Administration of xxxxxxxx University. I, hereby declare that the project entitled as Project Report on Project Financing of the proposed 1 x 10 MW Captive Power Plant of J U D Cements Ltd at Vill. Wahiajer, Near Lumshnong, Dist. Jaintia Hills, Meghalaya, submitted in partial fulfillment of the requirement for the degree of Master of Business Administration to the xxxxxxxxxx University, India, is my original work and the same is not submitted for the award of any other degree, diploma or any other prizes. xxxxxxxxxxxxxxxxxxx Reg No. xxxxxxxxxx Place: Guwahati Dated: Dear Sir / Madam This is to certify that Mr. xxxxxxxxxxx has worked under our supervision and guidance for the project report termed as the project report for project financing of our 1X10 MW Captive Power Plant and that this Report has been allowed to be prepared for his partial fulfillment of the requirement for obtaining the Degree of MBA (Finance) from xxxxxxxxxx University and that no part of this report has been submitted for the award of any other degree, Diploma, Fellowship or other similar titles or prizes and that the...
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...(NBFC) : 100% Petroleum Refining (Private Sector) : 100% Petroleum Product Marketing : 100% Oil Exploration : 100% Petroleum Product Pipelines : 100% Housing and Real Estate : 100% Power : 100% Drugs & Pharmaceuticals : 100% Road, Highways, Ports and harbours : 100% Hotel & Tourism : 100% Electricity : 100% Pharmaceuticals : 100% Transportation infrastructure : 100% Tourism : 100% Mass transit : 100% Pollution control : 100% Mining (Mining of gold and silver and minerals other than diamonds and precious stones) : 100% Advertising : 100% Films : 100% Mass Rapid Transport Systems : 100% Pollution Control & Management : 100% Special Economic Zones : 100% Air Transport Services (Domestic Airlines) : 100% for NRIs 49% for Others Single Brand Retail : 100% (0% for multi brand retail) Townships- housing- built up infrastructure and construction development projects : 100% Coal & lignite : 74% Mining (Mining of Diamonds and precious stones) : 74% Airports : 74% Telecommunications : 74% Trading : 51% Private Sector Banking : 49% Insurance : 26% Print media : 26% (Newspapers) and 100 % (Scientific and...
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...BANKING A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers with capital deficits to customers with capital surpluses. Banking is generally a highly regulated industry, and government restrictions on financial activities by banks have varied over time and location. The current set of global bank capital standards is called Basel II. In some countries such as Germany, banks have historically owned major stakes in industrial corporations while in other countries such as the United States banks are prohibited from owning non-financial companies. In Japan, banks are usually the nexus of a cross-share holding entity known as the keiretsu. The oldest bank still in existence is Monte dei Paschi di Siena, headquartered in Siena, Italy, which has been operating continuously since 1472.[1] Contents • 1. History o 1.1 Origin of the word • 2. Definition • 3. Banking o 3.1 Standard activities o 3.2 Wider commercial role o 3.3 Channels o 3.4 Business model o 3.5 Products 3.5.1 Retail 3.5.2 Wholesale • 4. Risk and capital • 5. Banks in the economy o 5.1 Economic functions o 5.2 Bank crisis o 5.3 Size of global banking industry • 6. Regulation • 7. Types of banks o 7.1 Types of retail banks o 7.2 Types of investment banks o 7.3 Both combined o 7.4 Other types of banks History Banks date back to ancient times. During the 3rd century AD...
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...Mobile Value Added Services (MVAS) A vehicle to usher in inclusive growth and bridge the digital divide January 2011 www.deloitte.com/in 2 Contents Message from Chairman, TRAI Message from President, ASSOCHAM Message from Secretary General, ASSOCHAM Message from Deloitte Objective & Methodology Executive Summary Introduction What is MVAS? What is Utility MVAS? Key categories in Utility MVAS A Framework for Utility MVAS Drivers for Utility MVAS Categories in focus Category 1 : M-Commerce Category 2 : M-Education Category 3 : M-Health Category 4 : M-Governance Current state of Utility MVAS in India Utility MVAS: Challenges Utility MVAS: Potential solutions Utility MVAS: Suggested implementation approach Acknowledgements Notes Authors 4 5 6 7 8 9 12 15 18 18 20 21 26 27 33 40 46 51 54 56 62 64 65 68 Mobile Value Added Services (MVAS) - A vehicle to usher in inclusive growth and bridge the digital divide 3 Message from Chairman, TRAI I would like to compliment the ASSOCHAM for bringing out a Study Report on Mobile Value Added Services – A Vehicle to Usher in Inclusive Growth and Bridge the Digital Divide in India. Mobile Value Added Services (MVAS) have assumed significant importance in recent times due to the rapid growth in wireless subscriber base. They have enhanced the utility of mobile phone as a powerful medium to deliver information viz., News, Entertainment, Advertisement, Music, Games, Commerce, Education and Health. Simultaneously, they help...
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...* History Main articles: History of Facebook and Timeline of Facebook 2003–2005: Thefacebook, Thiel investment and name change Z uckerberg wrote a program called Facemash on October 28, 2003, while attending Harvard University as a sophomore (second year student). According to The Harvard Crimson, the site was comparable to Hot or Not and used "photos compiled from the online facebooks of nine houses, placing two next to each other at a time and asking users to choose the 'hotter' person"[14][15][16] To accomplish this, Zuckerberg hacked into protected areas of Harvard's computer network and copied private dormitory ID images. Harvard did not have a student "Facebook" (a directory with photos and basic information) at the time, although individual houses had been issuing their own paper facebooks since the mid-1980s, and Harvard's longtime Freshman Yearbook was colloquially referred to as the "Freshman Facebook". Facemash attracted 450 visitors and 22,000 photo-views in its first four hours online.[14][17] The site was quickly forwarded to several campus group list-servers, but was shut down a few days later by the Harvard administration. Zuckerberg faced expulsion and was charged by the administration with breach of security, violating copyrights, and violating individual privacy. Ultimately, the charges were dropped.[18] Zuckerberg expanded on this initial project that semester by creating a social study tool ahead of an art history final exam. He uploaded 500 Augustan...
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...INSURANCE ADVISORS EFFECTIVENESS FOR PUBLIC AND PRIVATE INSURER: A DEMOGRAPHIC STUDY Krishan Kumar Pandey*Manisha Pandey** Manish Kerwar***Ashutosh Khare**** Dharmendra Singh***** Abstract : Few years back insurance was an arcane word for all of us. Insurance is no longer an unexciting business and the insurance advisor an apologetic salesman. New entries have actually changed the rules of the game in the insurance industry. One such change that has made a huge positive impact in the minds of Indian consumers is the product innovation by the insurance companies. New products are being launched; new distribution channels opened and thousands of sales advisers and managers are being recruited every month. This rapid change is demanding new regulations, new methods of management, new methods of operation and ofcourse considerable development in knowledge, attitude and skills of the workforce. Such times demand business/ output focused people who think widely, are confident about taking risks and decisions and prioritise their own and others’ actions to achieve the business need. Without these attributes the growth pattern that has begun will not be sustained. So are these attributes being developed in people? People know what they should do but they do not necessarily know how to do it. This study is well ahead to evaluate the effectiveness of Insurance Advisors. *, * * Faculty in Prestige Institute of Management, Gwalior * * * , * * * * , * * * * * Alumni, Prestige Institute...
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...« Official Organ of The Institute of Cost and Works Accountants of India established in year 1944 (Founder member of IFAC, SAFA and CAPA) Volume 45 No. 5 May 2010 ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ IDEALS THE INSTITUTE STANDS FOR q to develop the Cost and Manage-ment Accountancy profession q to develop the body of members and properly equip them for functions q to ensure sound professional ethics q to keep abreast of new developments. The views expressed by contributors or reviewers in this Journal do not necessarily reflect the opinion of The Institute of Cost and Works Accountants of India nor can the Institute by any way be held responsible for them. The contents of this journal are the copyright of The Institute of Cost and Works Accountants of India, whose permission is necessary for reproduction in whole or in part. ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ the management accountant, May, 2010 Cost Management for Growth of SME in Textile Sector by R. Gopal 387 Performance Monitoring in SME Sector by I. Mohamed Ibrahim 388 Cost Management : Key to Survival in Current Global Meltdown by S. Jeyaraj 392...
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...RISK MANAGEMENT IN ISLAMIC BANKING AND FINANCE: THE ARAB FINANCE HOUSE EXAMPLE Bilal A. Fleifel A Thesis Submitted to the University of North Carolina Wilmington in Partial Fulfillment of the Requirements for the Degree of Master of Business Administration Cameron School of Business University of North Carolina Wilmington 2009 Approved By Advisory Committee Howard Rasheed Cetin Ciner William H. Sackley Chair Accepted By DN: cn=Robert D. Roer, o=UNCW, ou=Dean of the Graduate School & Research, email=roer@uncw. edu, c=US Date: 2010.01.21 15:02:51 -05'00' ________________________ Dean, Graduate School TABLE OF CONTENTS TABLE OF CONTENTS ..................................................................................................... ii ABSTRACT........................................................................................................................ vi ACKNOWLEDGMENTS .................................................................................................. vii DEDICATION .................................................................................................................. viii LIST OF TABLES .............................................................................................................. ix LIST OF FIGURES...............................................................................................................x GLOSSARY .............................
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...Steering Committee for the Evaluation of the Netherlands’ Co-financing Programme 3 Contents List of contributors List of abbreviations Acknowledgements 1 1.1 1.2 1.3 1.4 1.5 1.6 1.7 2 Introduction Background and objectives Legitimization and overall objective of Dutch CFAs to support micro-finance programmes Partners of Dutch CFAs operating in the micro-finance market of Kenya Central questions Organization and methodology Process implementation and limitations of the study Structure of the report A brief description of micro-finance in Kenya and agencies as supported by Dutch CFAs Micro-finance in Kenya 2.1.1 The emergence of micro-finance as an industry 2.1.2 Types of micro-finance agencies in Kenya 2.1.3 Service delivery approaches 2.1.3.1 Savings services 2.1.3.2 Loan products 2.1.4 Outreach 2.1.4.1 Banks 2.1.4.2 NGO-MFAs 2.1.4.3 Savings and Credit Co-operatives (SACCOs) 2.1.4.4 ROSCAs and ASCRAs A profile of micro-finance agencies and schemes as supported by Dutch CFAs 2.2.1 General profile 2.2.2 Specific profiles 2.2.2.1 K-REP Development Agency (KDA) 2.2.2.2 Kenya Women Finance Trust (KWFT) 2.2.2.3 Jitegemea Credit Scheme (JCS) 2.2.2.4 PRIDE Africa – Sunlink Some conclusions 7 9 11 13 13 15 16 17 17 18 19 21 21 21 23 25 26 28 28 31 33 35 35 36 36 37 37 39 42 43 44 2.1 2.2 2.3 3 3.1 Who are the clients of KWFT? The official targeting policy of KWFT 3.1.1 Targeting of individuals 3.1.2 Working through groups 3.1.3 Targeting of areas? Characteristics...
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...Wildlife Conservation Efforts in India Geography project [Type the abstract of the document here. The abstract is typically a short summary of the contents of the document. Type the abstract of the document here. The abstract is typically a short summary of the contents of the document.] 2012 Nishant Aishwarya Roll Number - 26 Introduction Wildlife includes all non-domesticated plants, animals and other organisms. Domesticating wild plant and animal species for human benefit has occurred many times all over the planet, and has a major impact on the environment, both positive and negative. Wildlife can be found in all ecosystems. Deserts, forests, rain forests, plains, grasslands, and other areas including the most developed urban sites, all have distinct forms of wildlife. While the term in popular culture usually refers to animals that are untouched by human factors, most scientists agree that wildlife around the world is impacted by human activities. Humans have historically tended to separate civilization from wildlife in a number of ways including the legal, social, and moral sense. This has been a reason for debate throughout recorded history. Religions have often declared certain animals to be sacred, and in modern times concern for the natural environment has provoked activists to protest the exploitation of wildlife for human benefit or entertainment. Literature has also made use of the traditional human separation from wildlife. Foods, Pets, Traditional Medicine:...
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