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Loan Performance and Micro-credit Analysis of Grameen Bank
Ashraful Islam, Md.
Date:
2019-12-27
Abstract:
Internship program is an integral part to fulfillment of BBA Program in Daffodil University.
This program is actually a juncture of academic and professional life dealings.
For coordinating my internship, I was placed in Grameen Bank. After a two weeks orientation
to all of the departments and completion of the internship in this branch I was finally prepared
this report. I devoted my utmost effort and attention to learn the banker’s functions in practice
in Loan Performance and Micro-credit Analysis.
I have rendered my all knowledge to present this report on “Loan Performance and Micro-
credit Analysis” of Grameen Bank.
Description:
Banking system of Bangladesh has through three phases of development Nationalization,
Privatization and lastly Financial Sector Reform. Grameen Bank has started its journey as a
microfinance organization on 1976.
As a part of my under-graduation program, I have completed my internship in this organization.
During the period of my internship, I was officially appointed to work in the microfinance
department. The report will reveal the background of the company, description of the loans,
findings and recommendations based on the gathering of experience.
The report is based on my critical observation while working in the microfinance department
of Grameen Bank.
Lending is one of the principal functions of the bank to ensure all the segment of a bank. Sound
lending practice is also very important for profitability and success of a bank. For the sake of
sound lending, it is necessary to develop a sound policy and modern loan management
techniques to ensure that loans/ advances are safe and the money will come back within the
time set for repayment.
For this purpose, proper and prior analysis of loan proposals is required to assess the risk. Loan
procedure of a bank is really difficult to do because there are some criteria which have to follow
step by step for sanctioning e.g. selection of a borrower, how much loan is providing, security
and also approval process. It is a tough job for a banker to get through all the criteria and it is
risky for them and also for the bank. The comparative analysis shows that Grameen Bank is in
better position. However, the continuous improvement of the services will certainly place the
bank in the best position in one decade.
Bank loan is an important means for bringing about economic development in a country.
Grameen Bank, being one of the private microfinance banks of the country, has some prejudice
to finance directly on priority basis to agriculture, industry and rural sector. Hence, it is very
clear that Grameen Bank plays an important role to move the economic wheel of the country.
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