SME AND CONSUMER BANKING
Full Marks: 100
Module A: Role of SME
· Role of SMEs in The Economic Development of Bangladesh, Policy Environment and Initiatives of SMEs, Experiences of SME Foundation.
Module B: Sources and Modes of SME Finance
· Role of FIs, Bangladesh Bank Guidelines, Equity Entrepreneurship Fund (EEF), NGOs, Venture Capitalists and Informal Sector.
Module C: Formulation of Business Plan and Project Appraisal for SMEs
· Essentials of Business Plans – Sector Specific Requirements – Project Appraisal Marketing
Aspect, Technical Aspect, Financial Aspect, Cash Flow Analysis, Financial Projections, Cost of The Project and Means of Financing, Break-Even Point, Capital Budgeting Techniques,
NPV, BCR and IRR, Assessment of Working Capital, Assessment of Risks, Identification and Selection of Entrepreneurs.
Module D: Operational Procedures in SME Financing
· Asset Based Financing, Factoring, Leasing, Tripartite Agreements, Documentation and Creation of Charges on Securities, Repayment Schedule of Loans, Monitoring and Counseling.
Module E: Consumer Banking
· Overall Objectives, Critical Elements of Consumer Banking, Consumer Banking Products, Operational Aspects, Legal Framework and Bangladesh Bank Guidelines.
Module F: Recovery of SME and Consumer Credit
· Identification of Non-Performing Loans, Procedures Relating to Recovery- Legal and Non-Legal aspects.
References
1 Bangladesh Bank reports
2 Reports of SME Foundations
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