...Executive Summary This report aims at providing an overall analysis of the repayment behavior of the SME loan borrowers of Brac Bank Limited. Before going to the analysis, it is mandatory to know something about the organization, its core products that it offers to its customers; about the SME loan, its classifications and the whole of its process starting from loan sanction to recovery and closing of the loan. That’s why, first of all, I made an overview of the organization, BRAC bank Limited, where I had completed my internship program. Here I tried to focus the bank’s history of origination, its mission and vision, major departments and business units and major products and services. Then I said something about Asset Operations Department, the department where I was to perform my job responsibility. SME is the next section where I gave my concentration. Here I focused on the terms and conditions of giving SME loan, enterprise selection criteria and documentation. Then talked about the procedure of SME loan where I delineated the sanction, disbursement, repayment and closing of SME loan. After talking about the whole process of SME loan, I made an attempt to analyze the repayment behavior of SME loan borrowers. For this end in view, I have collected information about 20 SME borrowers. Then I have chosen eight major variables which have an impact on the recovery rate of SME loan. That is, these are the variables which may change the repayment behavior of SME borrowers...
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...Organization Consulting Project (O.C.P) On SME Banking of BRAC Bank Limited Submitted by : Nishat Farhana Matric No- B061409 22 Batch, BBA Submitted to : Kazi Farzana Lecturer in Management, IIUC,DC. Department of Business Administration International Islamic University Chittagong Date of Submission:12-12-2010 DECLARATION This is to notify that this presented report titled "SME Banking of BRAC Bank Ltd." is written as a requirement of Ocp. I also confirm that this report is prepared solely for the academic requirement and not for any other purposes and for the use of any other party. Signature ........................... Nishat Farhana Matricno.:B061409 Program: BBA, Batch: 22B 1, Major in Marketing Department of Business Administration, International Islamic University Chittagong, Dhaka Campus. Letter of Submission Dated: December 12, 2010 To, The Head, Department of Business Administration, International Islamic University Chittagong, Dhaka Campus. Subject: Submission of research report based on“SME BANKING OF BRAC BANK LTD” Dear Sir, It is very pleasure & opportunity to submit my research report on “SME BANKING OF BRAC BANK LTD”-a study of BRAC BANK Limited. As per my organizations requirement & supervisor’s suggestion and guidance, I have tried my best to make the report effective and standard. I have closely studied the operations & functioning of the company. Still if there is any room for further clarification...
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...Gap Inc. and Nike, Inc. Overview Gap Inc. and Nike, Inc. Overview Financial Performance: Nike, Inc and Gap Inc. Nike, Inc. and Gap Inc. achieved top ranks for specialty retailers of 2007 according to CRO (Corporate Responsibility Officer, 2007) Magazine for “100 Best Corporate Citizens 2007.” Shareholders review various financial reports which help determine which organization yields the greatest profits and minimum loss in cash flow. This review contains two-year comparisons for Nike, Inc. and Gap Inc. by analyzing ratios for Liquidity and Asset Utilization, Debt and Interest Coverage, and Market based ratios. Analysts evaluate market and industry trends periodically that help determine where a company is most profitable. Usually, stockholders are interested in profitability ratios. However, lenders and suppliers favor liquidity ratios detailing how assets compare with current liabilities. Respectively, according to results for Liquidity and Asset Utilization, the current ratios, (current assets / current liabilities) shows for every $1.00 of current liabilities for Nike, Inc. has 3.1:1 (2007) and 2.8:1 (2006). On the other hand, Gap Inc. has 2.2:1 (2007) and 2.7:1 (2006). Specialty retailers’ average return is greater than 3 and the general retail average is 1.0 - 1.2. Nike, Inc. at 3.1:1 (2007) has the greatest financial responsibility to pay bills over the next year timely. However, Gap Inc. also has money to meet obligations with a 2.7:1 (2006) which is generally...
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...tangled with the legal system (Welcome to North Alabama Court Referral Services, Inc.!, n.d). Involvement in the court referral education program can have an encouraging influence on many lives. It is up to those who are readily willing to participate to make the most of it. There are 29 resident Court Referral Programs, more than 100 qualified Court Referral Officers (CROs) and more than 120 qualified Level 1, 2, and Childhood & Adolescent Mentors (Administrative Office of Courts, 2009). The Mandatory Treatment Act of 1990 approved the Court Referral Program. It obliges all people who are found guilty of an alcohol or drug-linked crime to be assessed and admitted to a suitable learning and/or treatment program. At a minimum, every offender who is not admitted straight to drug or alcohol treatment is obligated to adhere to an alcohol and drug training course licensed by the Administrative Office of the Courts. This ruling is set in place so that people who are having problems with alcohol or other drug use obtain the proper material and care they need to evade prospective problems (The Court Referral Program, 2010). Educational Programs • Level 1 The Level 1 Program is at least a 12-hour demonstration which comprises of a detailed synopsis to the court referral program, substance abuse, decrees/penalties, alcohol/other drugs and their effects, and considering future things ahead. This class is intended for those offenders judged or evaluated by the CRO and determined...
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...Table of Contents What are the company’s mission and current strategies? Risk Identifications and Implications Risk Management process Appointment of Risk Management Personnel: Actions of the Risk Management Committee Basic Approach to Internal Controls Business Continuity Management (BCM) at Toyota Risk Organization Risk management system Improve risk management Creation of the Emergency Operation Centre Creation of Global Large-Scale Disaster Countermeasure Committee Improving information telecommunication system in case of an emergency CSR Management Organizational Culture If you were hired as an Advisor: What recommendations or changes would you make? How would you implement these recommendations or changes? What are the company’s mission and current strategies? Toyota has for mission to be the first choice for all customers looking for materials handling solutions and to be widely recognized for their innovative products and services with a total respect for society. Toyota tries to build trust and confidence with their customers by delivering outstanding quality products and services which ass real value to their businesses. Toyota respects the expectations and ambitions of employees, stakeholders and suppliers through a constant search to improve. Toyota aims to achieve long-term and stable growth in harmony with the environment, the global economy, the local communities it serve and its stakeholders. The impact of the high Australia dollar...
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...making. As it has been demutualized recently by this new act, DSE has turned into a profit making company. In our financial market it has been expected to have a significant impact. Only separating ownership and trading rights is not the objective of demutualization. Two other major objectives are to ensure greater and improved governance, and to ensure efficiency and performance of the exchange. As major financial restructuring was shouted out, demutualization is implemented as one step towards that. After the demutualization the ownership structure has been changed. While previously the ownership was confined to the members of the DSE, now the shareholders will be the owner of the exchange. Another change is that DSE now has a different legal form as it is now a company not a mutual organization. Authorized capital of DSE is Tk. 25,000,000,000 which is divided into 2,500,000,000 shares having face value of Tk. 10 for each. Paid up capital presently is Tk. 18,037,765,000 which comprises 1,803,776,500 shares. These shares are allotted equally to 250 initial shareholders of the DSE. Thus each shareholder got 7,215,106 shares having total value of Tk. 72,151,060. After the demutualization, assets of DSE are revalued as per the direction of the ‘The Exchanges Demutualization Act, 2013’. In revaluation, Net Assets method...
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...The Global Pharmaceutical Industry Case Analysis This case by Sarah Holland and Bernardo Bátiz-Lazostudies studies the evolution of the ethical pharmaceutical industry and analyses the various forces affecting the discovery, development, production, distribution and marketing of prescription drugs. The authors further analyses the critical issues of corporate social responsibility in the industry and the strategies being followed by major pharmaceutical companies and the challenges and opportunities for the future. This case bases its research to find evidence to support or disprove findings of a report published in the Gardiner by analysts at the investment bank of Dresdner Kleinwort Wasserstein which claimed that the world's major drugs companies are operating a business model that is unsustainable and rapidly running out of steam. On the surface however, the pharmaceuticals business seems like the epitome of a modern, mature industry that has found a comfortable way to make profits by the billion. According to the case large pharmaceuticals companies are currently facing the most challenging times since a decade. Even though the industry has made tremendous contributions to human well-being, its roles and actions are still criticized by the media and under constant scrutiny by national governments in their efforts to reduce expenditure in healthcare. Stringent laws and regulations have come in action which has made product approval, pricing and promotions costlier...
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...Casualty Actuarial Society Committee on Enterprise Risk Management has adopted the following definition which includes the purpose of ERM : “ERM is the discipline by which an organization in any industry assesses, controls, exploits, finances, and monitors risks from all sources for the purpose of increasing the organization’s short – and long-term value to its stakeholders.” In the US, COSO published its ERM-Integrated framework in 2004. COSO identified a need for robust framework to help companies effectively identify, assess, and manage risk. The resulting framework has eight components and four objectives. The eight components are:- * Internal Environment- It encompasses the tone of an organization, and sets the basis for how risk and control are viewed and addressed by an entity’s people. * Objective setting –Objectives must be aligned with the organization’s risk appetite, which derives risk tolerance levels for the organization. * Event identification-Management identifies potential events that, if they occur, will affect the entity’s ability to successfully implement the strategy and achieve objectives adversely or positively. * Risk Assessment-It allows an entity to consider the extent to which potential events have an impact on achievement of objectives. * Risk response-It includes risk avoidance, reduction, sharing and acceptance. * Control Activities-These are the policies & procedures that help ensure the management’s risk responses...
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...Student Name: Martin Pradeau E-mail address: martin.pradeau@bordeaux.iseg.fr Course Code: 1A Risk Management I. Company Mission and Strategy 3 A. Strategy 3 B. A strong leader 4 C. A culture of performance 4 D. A strategy for long-term innovation 4 II. Risk Identification 5 A. Very competitive market 5 B. . Risk of suppliers 6 C. Risk of governmental regulations 6 D. Risk of digital and information technologies 6 E. Risk of innovation competition 6 III. Risk Implications 7 A. Very competitive market 7 B. Risk of suppliers 7 C. Risk of governmental regulations 8 D. Risk of digital and information technologies 8 E. Risk of innovation competition 8 IV. Risk Management Process 9 A. Very competitive market: 9 B. Risk of suppliers 9 C. Risk of governmental regulations 9 D. Risk of digital and information technologies 10 E. Risk of innovation competition 10 V. Benefits of ERM 10 VI. RISK ORGANIZATION 11 VII. Organizational Culture 13 VIII. Recommendations 14 Company Mission and Strategy The main source used for this work was the Toyota’s Annual Report. http://www.toyota-global.com/investors/ir_library/annual/pdf/2013/ Toyota, or officially Toyota Motor Corporation, is a car manufacturer based in Toyota City in Japan. The company operates in about 170 countries over the world. The company employs about 320.000 people and has production plants in every continent. This major company is the leader...
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...ETHICS AND STAKEHOLDER MANAGEMENT MGMT 703 CASE STUDY Nike, Inc. and Sweatshops NAME- | Harmanjeet kaur | STUDENT ID- | 300830553 | PROFESSOR- | Michael Cooksey | DATE- | 09/02/2016 | 1. a) The ethical issues in the above case are under age labor, working hours of work, no overtime pay and amount of remuneration paid to workers. Most of the workers hired by the company were minor that means below 18. Workers were required to work 20 hours a day with the page of 31 cents per hour. On one side, company was giving economic opportunities for other nations but on other side it was taking advantage of overseas workers working at cheap labor cost. b) Social issues in this case are Safety, Health and poor working environment. Nike was the first company to join a World Wildlife Fund program to reduce greenhouse admissions. 2. Nike should be responsible for what happens in factories that it does not own to keep and protect reputation name of Nike because it pay wages to the workers working in the subcontracted factories. Yes, Nike has the responsibility to ensure that factory workers should receive a “living wage” because according to law, it is the responsibility of the company to respect and follow the labor and employment rights of workers, to consider of impact of its functioning on environment, provide a good working environment to workers, follow the code of conduct and certain moral and ethical standards. As it is the responsibility of local government...
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...corporate governance and risk management can make the financial system more secure has become a crucial question. Clifford Chance organised three round-table debates between 2009-2010 to assess this issue. With financial regulatory reform continuing to dominate the global political agenda, Clifford Chance has decided to publish a summary of these discussions as part of its commitment to promoting a balanced and informed analysis of the challenges that lie ahead. Much has been written and spoken about the causes of the financial crisis. Most people accept it is time to learn the lessons and move on. While the need to reform the banking and the financial services sector is beyond question, there is a tension between the desire to ‘get it right’ and the intense pressure for politicians and regulators to act quickly and decisively. In the ensuing debate over regulation and reform, the real issues of corporate governance and risk management have been largely obscured by the remuneration question. “There are some conflicting imperatives,” said Michael Bray, a partner in Clifford Chance’s London office. “We still have a long way to go.” Among a host of challenges facing the global financial community are questions of its own reputation, harmonizing rules of conduct and regulation, and myriad issues surrounding individual and corporate behaviour and culture. Contacts Michael Bray Partner T : +44 20 7006 1291 E : michael.bray@cliffordchance.com David Pudge Partner T : +44 20 7006 1537...
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...1. INTRODUCTION BRAC Bank Limited, with institutional shareholdings by BRAC, International Finance Corporation (IFC) and Shore cap International, started its journey in 2001 and in just 12 years proved to country’s fastest growing bank. The Bank operates under a "double bottom line" agenda where profit and social responsibility goes hand in hand as it strives towards a poverty-free, enlightened Bangladesh. BRAC Bank Limited is a scheduled commercial bank in Bangladesh. It established under the Banking Companies Act, 1991 and its operation started on July 4, 2001 with a vision to be the market leader through to providing all sorts support to people in term of promoting corporate and small entrepreneurs and individuals all over the Bangladesh. Just as BRAC Bank has a corporate identity, they have a social identity too. As a Bank they are socially responsible. Fifty percent (50%) of BRAC Bank’s loan portfolio is diverted to Small and Medium enterprise Banking, and as a financial intermediary they channel funds from the surplus end to the needy. Country-wide network of SME Units centre to the end of small entrepreneurs to help them build their asset base. BRAC Bank is market leader in SME, striving for socio-economic upheaval in Bangladesh. The bottom line is, BRAC Bank do not support any finances that are detrimental to our environment. Some Important Features: * A portion of BRAC Banks revenue is channeled to support BRAC schools, where...
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...Organizational Ethics of the Rent to Own Industry Christian Watson ETH/316 12/22/14 Irma Flores-Brothers/University of Phoenix Organizational Ethics of the Rent to Own Industry When it comes to the rent to own industry there are many questions of unethical behavior and Rent A Center as the industry leader is at the forefront of the questionable practices. It is relatively easy to obtain some of the hottest merchandise available today at rent to own stores at relatively cheap weekly and monthly rates. But in the world of rent to own nothing is truly how it seems because to obtain these deals customers can expect to pay as much as 311 percent in interest to own the merchandise. These high interest rates are the reason that many refer to the rent to own industry as “predatory lending”. High cost isn’t the only thing that is troubling the rent to own industry; the industry is also engaged in many questionable business practices. Among these practices allegations against companies such as Rent A Center and Aarons include: failure to disclose prior damage to rented property, instructing employee’s to make collection calls before account due dates, including contract provisions that illegally barred class-action law suits against the company’s and even allowing its employee’s to use collections practices that include banging on doors, cursing at customers, threatening arrest and demanding payments from third parties. Rent to own companies say that they offer a crucial service...
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...DBBL Executive Summary Service quality is a good measure for knowing about the performance of a bank.. Nowadays Banking companies are in a competitive market. They are choosing the differentiation strategy to be a market leader because cost leadership is not a good tool for competition due to oligopolistic market. By analyzing bank information system, this paper investigates the service quality perceptions of bank account holders. This paper also examine the relationship between relative importance allocated by respondents to each of the five SERVQUAL dimensions as measured by the points allocated to that dimensions the ratings provided for the individual items of the dimension. In the SERVQUAL questionnaire there are 22 questions from five different dimensions. These are Tangibles, Reliability, Responsiveness, Assurance and Empathy. These questions measure the gap between employees’ expectations and perceptions .After conducting the survey I have found some values. I have made an analysis with these values. I have calculated the weighted average scores of these values from the perspective of these branches. Then it has been seen that the gap between the employees’ expectations and perceptions about the services is lower for the customers. In my report I got reliability, responsibility and assurance is very much valuable to customers compare to others. Company Profile COMPANY BACKGROUND Dutch-Bangla Bank Limited (the Bank) is a scheduled commercial bank. The Bank was established...
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...------------------------------------------------- Clinical trial From Wikipedia, the free encyclopedia | This article may be too long to read and navigate comfortably. Please consider splitting content into sub-articles and using this article for a summary of the key points of the subject.(October 2010) | Clinical trials are a set of procedures in medical research and drug development that are conducted to allow safety (or more specifically, information about adverse drug reactions and adverse effects of other treatments) and efficacy data to be collected for health interventions (e.g., drugs, diagnostics, devices, therapy protocols). These trials can take place only after satisfactory information has been gathered on the quality of the non-clinical safety, and Health Authority/Ethics Committee approval is granted in the country where the trial is taking place. Depending on the type of product and the stage of its development, investigators enroll healthy volunteers and/or patients into small pilot studies initially, followed by larger scale studies in patients that often compare the new product with the currently prescribed treatment. As positive safety and efficacy data are gathered, the number of patients is typically increased. Clinical trials can vary in size from a single center in one country to multicenter trials in multiple countries. Due to the sizable cost a full series of clinical trials may incur, the burden of paying for all the necessary people and services...
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