Topics: SME finance, Bank, Mortgage loan Pages: 90 (11786 words) Published: March 4, 2014
Tanbir Ahmed Chowdhury and Kashfia Ahmed

East West University Center for Research and Training
East West University
Plot-A/2, Main Road, Jahurul Islam City, Aftabnagar,
Dhaka-1212, Bangladesh

Working Paper

An Appraisal of the Problems and
Prospects of Small and Medium Enterprises
(SMEs) Financing in Bangladesh: A
Study on Selected Districts

Center for Research and Training

Correct Citation: Chowdhury T.A, Ahmed K.2011. EWUCRT Working Paper no 4. East West University, Dhaka, Bangladesh.

Published by the Center for Research and Training
East West University
Plot- A/2, Main Road, Jahurul Islam City, Aftabnagar,
Dhaka-1212, Bangladesh.

©East West University Center for Research and Training 2011 Working Paper No 4.

The views expressed in this publication are those of the author(s) and not necessarily those of the Center for Research and Training.


Tanbir Ahmed Chowdhury
Department of Business Administration
East West University

Kashfia Ahmed
Senior Lecturer
Department of Business Administration
East West University

In the process of economic development Small and Medium Enterprises (SMEs) play a pivotal role in poverty alleviation and rapid industrialization of the developing countries like Bangladesh. In this paper we tried to appraise the Problems and Prospects of SMEs in Bangladesh. We observed from the research that non availability of adequate credit, complex loan granting procedure, inadequate infrastructure facilities, problems of collateral requirements, paucity of working capital, non availability of skilled work force, poor salary structure, lack of coordination among SME related organizations, lack of appropriate marketing strategies etc. are the major hindrances to the development of the SMEs in Bangladesh. In order to overcome the problems researchers have tried to provide some recommendations for the developments of SMEs in Bangladesh based on sound reasoning. KEY WORDS

Small and Medium Enterprise (SME), Finance, Working Capital, Workforce, Modern Technology, Physical Infrastructure

The accomplishment of our study has been greatly aided by the support of a large number of people. However, some of them must be singled out for special mention for their contribution. East West University Center for Research and Training (EWUCRT) deserves our special thanks for the funding of the research. Our thanks are also due to the Staff members of East West University Library, Dhaka Stock Exchange (DSE) Library, Securities and Exchange Commission (SEC) Library and SME Foundation for extending library facilities to us. A lot of thanks to Ms. Sumaiya Nowshin, Ms. Nadia Hasan and Mr. Imtiaz Ahmed Nevin for working as Research Assistants and Field Surveyor of this research. They helped us in data collection and analysis. Thanks are also due to Professor Muhammad Sirajul Haque, Chairperson, Economics Department, EWU, for his valuable comments on the paper, Mr. Shafiqur Rahman, Department of English, EWU, for editing the manuscript and MS. Aynun Nahar, EWUCRT, for meticulous checking of the findings of the study. We must express our gratitude to the executives of financial institutions and all the entrepreneurs who give us their valuable time to fill up the questionnaires and help us to collect data. Last but not the least, our deepest indebtedness is to our parents whose love, sacrifices and constant encouragement enabled us to reach to this stage in our academic career.


Table of Contents
Page No.


Chapter 1: Introduction
1.1 Background


1.2 Research Question


1.3 Objectives of the Study


1.4 Justification for the Study


1.5 Limitations of the Study


Chapter 2: An Overview of SME
2.1 An Overview of SME


Chapter 3: Review of Literature
3.1 Review of Literature


Chapter 4:...
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