IIUC Business Review

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Problems in funding SMEs in Bangladesh: An empirical study on Chittagong metropolitan area
(CRP, International Islamic University Chittagong, Bangladesh, 2017-12) Chaudhury, Nazneen Jahan
Problems in funding SMEs are a common phenomenon of academicians, experts and government. Though, SMEs are furnishing to the economy in development but they are originated most helpless to the micro and macro-economic crises. Consequently, they fall into funding problems. The study has used both financial and statistical tools for evaluating the data gathered for the research. The study has recognized various probable problems of SMEs in obtaining funds from banks and financial institutions such as asset based collateral and high cost structure of fund, unavailability of fund without guarantee, sources of capital constraints, and poor credit management. On the contrary, prospective entrepreneurs are also not that eager in raising capital from banks due to some procedural hazards like complex application procedure, high collateral, high interest rates, more time consuming which make the need of obtaining bank loans ineffective. This study identified some major hindrances that both the SMEs and banks face in obtaining and granting loan, respectively. Finally, findings offered some proposals to develop the situation in Bangladesh.
Relative standing of Islamic banks in liquidity management: A survey on private banks of Bangladesh
(CRP, International Islamic University Chittagong, Bangladesh, 2016-12) Chaudhury, Nazneen Jahan; Osman, Asfia Binte
Commercial banks play a significant role in keeping wheel of an economy active. In Bangladesh two types of commercial banks are operating with their distinctive philosophy: Conventional and Islamic. This research work has been undertaken to measure the relative position of Islamic banks in terms of liquidity management. Data have been collected from secondary sources of information considering the fact that both banks have a widespread branch network and timely published financial results that are easy to get in their websites and also available on the internet. Liquidity positions of the sample banks have been analyzed through different ratios which have further been interpreted by using some statistical tools. Standing of Islamic banks in terms of liquidity management is good enough, but due to some practical problems its smooth operation is being interrupted. If suggested actions can be taken without undue delay, the position of Islamic banks compared to Conventional one would be much better.