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Small & Medium Enterprise Investment
Small Business Investment
Housing Investment
Household Durable
Car Investment
Overseas Employment Investment
Investment Scheme for Doctors
Investment Scheme for Executives
Investment Scheme for Marriage
Investment Scheme for Education
Products & Services Investment Schemes » Small Business Investment Scheme
Small Business Investment Scheme
Target groups
Small Businessmen like Wholesaler, Retailer, Small Manufacturer/Producer and Trader etc.
Self-Employed Person like Doctors/Engineers/Professionals etc.
Small & Cottage Industries.
Other existing & new small business, micro & small industries and commerce.
Mode of Investment
Hire Purchase under Shirkatul Meelk (HPSM)
Bai-Muajjal (Term)
Ceiling of Investment
The amount of investment shall be Tk 50,000/- to Tk 5,00,000/- (Taka fifty thousand to Taka five lac).
Maximum ceiling of the investment will be Tk 3,00,000/- (Taka three lac) only for any region other than Dhaka & Chittagong Metropoliton Area. However, investment may be extended beyond the ceiling at the discretion of the Management.
Bank investment-Client equity ratio where applicable shall be 60:40.
Tenure of Investment
In case of HPSM, Lease and Bai-Muajjal (Term):
Maximum tenure will be 3 years i.e. 36 months (a period of 3 months may be allowed as grace period to the deserving client)
In case of Bai-Muajjal- Commercial-TR :
Maximum tenure will be 1 year i.e. 12 months and renewable on satisfactory performance.
Rate of Profit/Rent
Rate of profit/rent is 15.00% p.a.
Application Fee of Tk 100/- (non refundable);
Processing Fee of Tk 500/- (non refundable);
Supervision Charge
Supervision charge will be @ 2.00% per annum.
Risk Fund
Risk fund will be @ 1.00% per annum.
General Security for each case:
  • Hypothecation of Stock/Equipments;
  • The stock/equipments should be duly and properly insured to cover the risks of probable hazards;
  • 01 (one) post dated master cheque in favor of SJIBL covering the investment;
  • Post dated cheque against each installment/deal;
  • Trust Receipt(s) duly executed by the Client along with delivery order(s) for each deal (in case of BMTR).
  • Personal guarantee of the client, spouse and adult son(s) & daughter(s), if any of the client
Specific Security for the investment not exceeding Tk 2,00,000/-:
  • Personal guarantee from two persons having good financial means & standing and acceptable to the Bank;
Specific Security for the investment exceeding Tk 2,00,000/-:
  • Registered mortgage of immovable property owned by the client(s) or by a third party acceptable to the bank having:
    • Forced sale value of double the amount of investment under the Bai-Muajjal-Commercial-TR facility;
    • In case of HPSM, Lease and Bai-Muajjal (Term) investment, forced sale value of collateral security should not be less than 1.50 times of the Bank’s investment.
Any other security to be deemed necessary for supporting the proposed facility to be approved on priority basis.
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