assignment on corporate social responsibility in bangladesh

Social Responsibility Practices of Business Organizations: Bangladesh Perspective

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• Dewan Mahboob Hossain  

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In recent years, popular theories such as ‘stakeholder theory’ and ‘legitimacy theory’ have emphasized the importance of the ‘social responsibilities of businesses’ in a greater way. These theories are based on the argument that, apart from pursuing the profit-maximizing objective, organizations need to be responsible for their activities in society. Further, the continued operation and success of business activities are dependent on compliance with societal expectations and gaining support for continued existence in society. 1 Stakeholder theory argues that corporations should be accountable not only to shareholders but also to other stakeholder groups, such as employees, consumers, the government, suppliers, interest groups and the public. In general, a stakeholder can be defined as any group or individual who can affect or is affected by the achievement of the firm’s objectives. 2 It has been said that:

…social responsibility activities are useful in developing and maintaining satisfactory relationships with stockholders, creditors and political bodies. Developing a corporate reputation as being socially responsible through performing and disclosing social responsibility activities is part of a strategy for maintaining stakeholder relationships. 3

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About this chapter

Hossain, D.M. (2011). Social Responsibility Practices of Business Organizations: Bangladesh Perspective. In: Williams, G. (eds) Responsible Management in Asia. Palgrave Macmillan, London. https://doi.org/10.1057/9780230306806_4

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Bangladesh , Economy of Bangladesh , Top News

Corporate social responsibility in bangladesh– an economic perspective.

• by Corporate Bangladesh
• February 21, 2023

In this modern era, business entities are not only responsible for their own development. They are equally responsible for the country’s economic condition. If corporate houses understood its responsibility towards the society and gave constant effort towards building a stronger economy, the country would have been developed more.

Corporate social responsibility is the process where the self regulations are treated as an integral part of the corporate business model. Corporate citizenship, sustainable responsible business, social performance and corporate conscience – all refer to corporate social responsibility. In the process of self regulation, corporate policies are adopted. These policies help the business to be monitored. Apart from this, self regulation also aims to bear the responsibility of the company’s actions, as well as highlight the positive impacts on the community, consumers, employees, environment, and other associated people and stakeholders. 

In Bangladesh, corporate social responsibility’s evaluation refers to the cultural norms of the business, whereby it had brought positive impacts to the society, community, culture and the environment. Most big companies of Bangladesh set up a CSR team. This team is responsible for planning the goals, strategies and formulating policies for the CSR program. It also set funds and budgets for the program. The social philosophy of the business with a clear objective and working towards a positive direction are the determinants of these programs. CSR programs, taken by these companies generally cover issues such as community and education development, healthcare and environment.

Comprehensive CSR methods have been developed by several Bangladeshi top corporate houses including Navana Group, Pran Group, Beximco Group. Under the program, companies provide prominent facilities such as villager empowerment, building public schools, medical and sanitation facilities to the underprivileged communities. Additionally, in a bid to make villagers more self reliant and assist in knowledge about business operation, vocational programs are organized. For instance many local pharmaceutical companies focus on the health aspect at community levels and provide treatment and up to date medical checkup facility.

Apart from these, most of the NGOs work on organizing awareness programs related to education and health in the distant and remote villages. Many big companies organize programs jointly with the NGOs. In order to bring the socio-economic development on fast tract, the government should extend its supports to the joint efforts undertaken by the corporate houses and NGOs. Doing so would help improving the strategic thinking, expertise and manpower skill.

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BUS.Assignment on CSR(1)

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Report on Corporate Social Responsibility of IBBL

EXICUTIVE  SUMMARY:

Islami Bank Bangladesh limited set up with the noble objective Of braining the fruits of I Islamic economic system to the masses has broadened the ways of implementing this system to solve economic crisis of the country.

30 th march, 1983 is a memorable day in the banking history of Bangladesh Limited began its journey with the commitment of interest-free and Shariah-based banking system.

The foundation has been working as welfare organization with separate account and and administration. It is registered with Register of joint stock companies of of the  peoples republic Of Bangladesh under No-1214(25)1988 , dt25-06-88. it is also Registered with the NGO Affairs bureau under No 668 Dated-  24-11-92.

Social responsibilities of Islami Bank   foundation are income generation, service to the distressed, promotion of people oriented mass education system , extension of  health and Medicare facilities , development of culture , art literature, science, technology and sports assisting in research  and propagation of Islamic ideology , creation of  facilities for  productive  self employment through human resources Development, help to disaster, relief and rehabilitation Management.

Origin of the report:

We were authorized to prepare a report on corporate social responsibility of Islami Bank for partial fulfillment of our course requirement we went to Islami Bank, head office where we found necessary information regarding our report.

Objective of the study:

-To relate theoretical knowledge to practical experience in several corporate social responsibility.

-To present our observation and suggestions to the bank.

-To make ourselves more confident.

-To know about the previous and present corporate responsibilities of IBBL.

Area of the study:

Our project was limited in overall corporate system. We studied only the corporate social responsibilities of IBBL.

METHODOLOGY:

In order to make the report more meaningful and presentable, two sources of data and information have been used widely.

1. Data Collection Method:

The data collection method of this study considered of both primary and secondary sources. Majority of the information was collected from secondary sources.

2. Data Sources:

The primary sources included interviews with the bankers.

 The primary Sources are as follows-

-Face to face conversation with the respective officers and staffs of  the branch.

-Informal conversation with the clients.

-Practical work enponsure from the different of the branch covered.

-Relevant file study as provide by the officers concerned .

The Secondary Sources of data and information are –

The annul report, general report, official documents and foreign exchange manual of the bank from the year 2005-2006.

All customers come to the bank to do their work and they have time pressure to do that work. So when I told them to fill the questionnaire, they reply with sorry to me. 

Limitation:

_ It is obvious that every study has some limitation.. the study we have made is of great importance and require us huge work

Whole conducting we had to face a number of problem ..

These limiting factors that hampered our smooth work in bank and finally in preparing this report are as follows :

_ The organization maintain strict confidential about financial and other information

_Any type of such presentation requires along time .

But we did not have much busy time to concentrate on our work. Duration of this study was too short to have a sound understanding of the overall banking.

_Scope of our study is so wide that analytical and comprehensive study is not possible .

_ Lack of sufficient books paper and periodicals take us go on serious problem while preparing this report.

-Some officials were not much prepare for giving data which cal help to prepare this report .

Overview of Corporate Social Responsibility:

Bangladesh is one of the largest Muslim countries in the world. The people of this country are deeply committed to Islamic way of life as enshrined in the Holy Qur’an and the Sunnah. Naturally, it remains a deep cry in their hearts to fashion and design their economic lives in accordance with the precepts of Islam. The establishment of Islami Bank Bangladesh Limited on March 13, 1983, is the true reflection of this inner urge of its people, which started functioning with effect from March 30, 1983. This Bank is the first of its kind in Southeast Asia. It is committed to conduct all banking and investment activities on the basis of interest-free profit-loss sharing system. In doing so, it has unveiled a new horizon and ushered in a new silver lining of hope towards materializing a long cherished dream of the people of Bangladesh for doing their banking transactions in line with what is prescribed by Islam. With the active co-operation and participation of Islamic Development Bank (IDB) and some other Islamic banks, financial institutions, government bodies and eminent personalities of the Middle East and the Gulf countries, Islami Bank Bangladesh Limited has by now earned the unique position of a leading private commercial bank in Bangladesh.

 Islami Bank Bangladesh Limited (IBBL) the first interest free Islamic Shariah based bank in Bangladesh incorporated on 13 March 1983 as a public limited company under the Companies Act 1913. The bank obtained license from bangladesh bank on 28 March 1983 and started banking operations on 30 March 1983 through its main branch at Dhaka, which was formally inaugurated later, on 12 August 1983. The bank is a joint-venture enterprise of 22 private sponsors of Bangladesh, the government of Bangladesh, Islamic Development Bank, and 13 banks and financial institutions of the oil-rich Middle Eastern Muslim Countries

IBBL started its banking operations with an authorised and paid up capital of Tk 500 million and Tk 67.50 million respectively. The capital is divided into ordinary shares of Tk 1,000 each. The paid up capital of the bank was enhanced to Tk 640 million in 2001. Of the 79,500 ordinary shares of the bank in 1985, foreign sponsors, including the Islamic Development Bank (IDB), owned 56,000, while 23,500 shares were owned by local sponsors and the general public. investment corporation of Bangladesh was allocated 20% of bank’s issued capital, but the corporation subscribed shares of Tk 0.5 million only. The bank is listed with both Dhaka and Chittagong Stock Exchanges.

IBBL conducts businesses on the basis of Islamic Shahriah and the modes of transaction include Mudaraba , Musharaka, Hire Purchase ( under Shirkatul Melk ), Bai-Murabaha, Bai-Muajjal, and Bai-Salam . The bank also provides all other kinds of commercial banking services to the customers observing the provisions of the Bank Company Act 1991, Bangladesh Bank’s directives and the principles of Islamic Shariah.

A 23-member board of directors oversees the aggregate business affairs of the bank. The executive president is its chief executive officer. In December 2001, the bank had 121branches and a total of 3,060 employees including 145 executives. There is a 10-member Shariah Council for the bank to ensure the compliance of Islamic rules in all spheres of its banking and financial activities. IBBL has a training as well as a research institute in Dhaka.

The volume of deposits of the bank in December 2000 was Tk 31,536.5 million. Deposit-mix included Mudaraba savings deposits, Mudaraba special notice deposits, Mudaraba term deposits ranging from 6 months to 36 months, Mudaraba Hajj savings deposits, Mudaraba special savings (pension) deposits and Mudaraba savings bond of 5 and 8 years.

The investments (lending) of the bank are partnerships, profit sharing, capital in affiliated projects, real estates, housing, transport, agriculture, export-imports, trade and commerce and other economic activities. Such investments in December 2000 were Tk 29,529 million. In addition, the bank has investments in other income generating assets like company shares and such investments totaled Tk 34.15 million. The bank lends money to its directors and executives (insider lending) under Shariah principles. As of December 2000, investments (lending) of the bank in industrial sector covered 174 projects in garments sector, 91in textiles, and 174 in other industries. Total investments of the bank in the industrial sector stood at Tk 9,849.80 million on 31 December 2000. With the increases in the bank’s investments (lending), the amount of non-performing classified investments had also increased over time. Total classified loans amounted to Tk 2,844.3 million (9.63% of total) in December 2000. Total assets of the bank excluding off-balance-sheet items were valued at Tk 39,366.09 million on 31 December 2000, when the off-balance-sheet items accounted for Tk 8,914.24 million. The volume of foreign exchange business handled by the bank in 2000 was Tk 49,860.00 million, which comprised import financing (Tk 25,327.00 million), export servicing (Tk 16,889.00 million) and remittances (Tk 7,644.00million). The bank has correspondent relationships with approximately 750 foreign banks and financial institutions.

To establish Islamic banking through the introduction of welfare oriented banking system and also ensure Equity and justice n the field of all economic activities achieve balance growth and equitable development through diversified investment operation particularly in the priority sectors and less developed areas of the country.

Our vision is always strive to achieve superior financial performance be consider a leading Islamic bank by reputation and performance

• Our goal is to establish and maintain the modern banking technique to ensure the soundness and development of the financial system based on the Islamic principle and to become the strong .
• We will try to encourage savings in the form of direct investment
• We will also try to encourage investment particularly in projects which are more likely to lead higher employment

Aims and Objectives:

 To conduct interest-free banking

 To establish participatory banking instead of banking on debtor-creditor relationship

 To invest on profit and risk sharing basis

 To accept deposits on Mudaraba & Al-Wadeah basis

 To establish a welfare-oriented banking system

The functions of Islami Bank Bangladesh Limited are as under

To maintain all types of deposit accounts

 To make investment

 To conduct foreign exchange business

 To extend other banking services

To conduct social welfare activities through Islami Bank Foundation

As per Capital Adequacy Policy prescribed by Bangladesh Bank, the Central Bank of the Country, banks has maintained 10.09% Capital on its Risk-Weighted Assets against which total equity of the Bank as on June 30, 2008 stood at Taka 17,789.29 million (Un-Audited). This was:

Taka 15,765.94 million in 31st December 2007,

Taka 10,435.96 million in 31st December 2006,

Taka  8,331.14 million in 31st December 2005,

Taka  6,691.12 million in 31st December 2004,

Taka  5,266.47 million in 31st December 2003,

Taka  3,540.52 million in 31st December 2002,

Taka  2,993.24 million in 31st December 2001,

Taka  2,671.06 million in 31st December 2000,

Taka  1,659.26 million in 31st December 1999,

Taka  1,517.55 million in 31st December 1998,

Taka  1,429.86 million in 31st December 1997,

Taka  1,241.05 million in 31st December 1996,

Taka   813.09 million in 31st December 1995,

Taka   537.35 million in 31st December 1994 and

Taka   420.06 million in 31st December 1993.

Achievements:

National and international ratings of IBBL

IBBL’s past performances have been evaluated by Bangladesh Bank, several credit rating agencies home & abroad and by the local press.

International Press:

“In the midst of a difficult Banking system known to be plagued by high non-performing loans (NPLs), one could easily conclude that it would be difficult to find a bank that is different from norm. However, IBBL provides a refreshing change and is, thus, a pleasant surprise. Although it does not command the market share as the 4 public sector banks, IBBL, which claims to have little interference in lending from the government, has nonetheless, managed to find a niche market of its own-says the ‘BANK ATCH’ a New York based international Credit Rating Agency in its January 30, 1998 issue. “As a market leader offering banking services based on the Islamic rule of Shariah, IBBL’s profitability trend has been quite impressive. The Bank’s ability to keep its return on asset (ROA) well above the industry’s average, reflected its resilience to possible shocks in the banking system. Concerns over massive NPLs and under provisioning are common amongst local banks. But this seems well resolved in IBBL. IBBL’s good performance and solid capital base have indeed provided refreshing change found within a banking system saddled and held back by huge NPLs” the above agency continued to comment in the same issue.

National Press:

“It is one of a few local banks according to CAMEL (Capital, Assets, Management, Earnings & Liquidity) rating made by the Bangladesh Bank. It holds the highest amount of liquidity among all banks and its ability to keep return on assets at 1.07 percent is well above the banking sector’s average of 0.33 percent”- The Financial Express, Dhaka commented in its issue of May 28,1998.

“The Holiday” in its 29th August, 1997 issue carried out a report under the heading “Setting a precedence of sound banking” and commented “While the country’s banking system is burdened with bad debt portfolios and also suffers from a liquidity shortage, the Islami Bank Bangladesh Ltd. (IBBL) has created a unique precedence by improving its reserve and deposit positions substantially, making handsome profits, and offering attractive dividends to its share holders and depositors.”

IBBL ‘s World rating:

As per Bankers’ Almanac (January 2001 edition) published by the Reed Business Information, Windsor Court, England, IBBL’s world Rank is 1771 among 3000 banks selected by them. This position was 1902 among 4500 selected banks as on January 1999 edition.

IBBL’s country Rank is 5 among 39 banks as per ratings made by the above Almanac on the basis of IBBL’s Financial Statements of the year 2001.

Award and Prizes: International & National Perspective

IBBL was awarded for several times by international & national organisations. The Global Finance, a reputed London based quarterly magazine, awarded IBBL as the best bank of the country for the year 1999 and 2000.

IBBL has got the 2 nd prize of National Export Fare for its pavilion of Service Organisation in 1985.

Membership of Different Organization / Chamber

• Bangladesh Institution of Bank Management (BIBM)
• The Institution of Bankers Bangladesh (IBB)
• Bangladesh Association of Banks (BAB)
• Bangladesh Foreign Exchange Dealers’ Association (BAFEDA)
• Central Shariah Board for Islamic Banks of Bangladesh
• International Chamber of Commerce-Bangladesh
• International Association of Islamic Banks (IAIB), Jeddah, K.S.A.
• Accounting and Auditing Organizations for Islamic Financial Institutions (AAOIFI), Manama, Bahrain.
• General Council of Islamic Banks & Financial Institutions (GCIBFI), Manama, Bahrain (IBBL is a member of its Executive Council)

Society for Worldwide Inter-bank Financial Telecommunication (SWIFT)

STAFF WELFARE SCHEMES:

The Bank believes in supporting its employees and offering incentives and motivation for                               its continued profitability . With a view to supporting these lofty objectives ,the Bank operates a contributory  provident fund ,social security fund ,gratuity fund and a benevolent fund for the employees of the Bank.  These fund are managed by a separate Board of Trustees.

1. Contributory Provident Fund: 

The provident fund is for the regular confirmed employees who work minimum 5 years for IBBL.   And it came into force with  effect from the1.03.1986. The fund received contributions 10% of the basic pay both from employees.

2. Social Security Fund:  

The scheme came into force with effect from the 8 th December 1988. It was formed for financial help to the members of the IBBL Employees Social Security fund and their family in case of death, physical disability of the employees while in service or of any thing of like nature acceptable to the Board of Trustees and retirement from the service.

3. Gratuity Fund: 

The gratuity fund for the regular employees of IBBL started from 1 st day of March 1986. The employees who serves at least 7 years in IBBL are normally entitled to get gratuity equivalent to one months basic salary of the employees for their completed year of services in the Bank.  Gratuity for the employees of IBBL has been increased from 1 month basic pay to 1. 5 months and 2 months basic pay considering the length of services and also for premature death in harness.                                                                                                                                 

4. Benevolent Fund:

The benevolent fund for the regular and confirmed employees of IBBL was established in year 1986. This fund is mainly used scholarship to the meritorious students among the children of IBBL s staff and sub staff to allow sort term quard for the unexpected and certain needs of the staff of IBBL like accident of the staff and their dependents.

Special Scheme » Agriculture Implements Investment Scheme:

Bangladesh is predominantly an agricultural country with vast majority of people living in rural areas. Most of our people, for their living, are dependent on agriculture. Agriculture still contributes the lion share of the gross domestic product. But we could not as yet become self-sufficient in food production. We still import a bulk quantity of food grains from abroad to meet the deficit. This reliance on import has made us dependent on others. We must modernize our agriculture and establish more and more industries in order to minimize imports.

Islami Bank Bangladesh Limited is a welfare oriented Bank. It can play positive and important role in the economic development, progress and uplift of the country by investing in the agricultural sector. The Bank has, therefore, introduced “Agriculture Implements Investment Scheme” to provide power tillers, power pumps, shallow tube wells, thrasher machine etc. on easy terms to the unemployed youths for self-employment and to the farmers to help augment production in agricultural sector.

Objectives:

To create opportunities for self-employment of un-  employed rural youths.

 To help farmers to augment agricultural production.

To assist in the introduction and use of modern technology in the agricultural sector.

 To play auxiliary role in achieving self-sufficiency in food production.

q   Power tillers

q   thrasher Machine

q   Any other agricultural implements proposed by the branch and which has local demand.

These implements may be of any  popular brand. Any locally manufactured brand, which has large demand, is also acceptable. The choice of investment clients shall be given preference in this regard.

Rules for openingL:

• The deposit is accepted in the AWCA under Al-wadeah principle of Islamic Shariah. The deposited money is invested along with other deposits by the Bank according to Islamic Shariah. Here, the customer does not have any share in the profit. The transaction can be made more than once during the banking hour.
• The account can only be opened with the introduction of any acceptable client/ current account holder of the Bank. In order to open Al-wadeah Current Account, a minimum amount of Tk.500/= is to be deposited and  the minimum balance with minimum amount of Govt. tax is to be maintained in the account. The Bank reserves the authority to return cheque, if otherwise.
• Withdrawal may be made through the cheques supplied by the Bank. In that case all articles of Negotiable Instrument Act are applied.
• Incidental charge @ Tk.50.00 half yearly basis is deducted from the account where minimum balance is not maintained. Closing charge @Tk.50.00 will be realized while closing the account
• For the first cheque book, the customer has to apply  in a specified form (F-6) and then for new cheque book the customer shall have to apply through the requisition slip supplied with the previous cheque book.
• The customer has to count the pages of the cheque book at the time of receiving the same. The book  should be maintained safely so that no cheque may be misused or stolen or destroyed. The Bank will not be responsible for any forgery if occurred by the stolen cheque (s).
• The account holder shall have to use the specimen signature put in the Bank while withdraw money and in case of other correspondence with the Bank. In order to change the specimen signature put earlier the operator shall have to apply in writing before well in time.
• The bank usually allots separate A/c. Nos. to different A/c. holders. The depositors have to mention name and No. of the account while fill-up the deposit slips for depositing the cash/cheque and obtain receipt duly signed by the authorised bank officials. The cheque to be deposited should be marked ‘Crossed’ i.e. A/c. Payee/ & co. etc. in the proper place of the cheque. If the deposited cheque(s) etc. is/are returned unpaid to the bank, charge/commission will be realised as per norms.
• The Bank records the instruction of ‘Stop Payment` with care. But the Bank will not be held responsible if any fraudulent withdrawal is/are made through stopped cheque (s).
• The Bank supplies statement of account every month.
• The bank has right to deduct any account to realize necessary expenditure/postal charge. Moreover, any tax imposed by the Govt. will be deducted from the account.The Bank preserve the right to close the account without showing any cause.
• The changed address (if applicable) should be informed to the Branch immediately. The bank makes correspondence with the customer through postal services. The Bank will not be held responsible if any letter (cheque/Bill) is not delivered in time or not delivered at all, ]
• In case of joint account, if any of the A/c. holders expired the operation in the account will be stopped just after getting report and balance in that account will be paid as per norms to the heirs of the deceased and the alive A/c. holder(s); if there is any outstanding investment liabilities, the alive account holder/heirs of the deceased is/are bound to adjust the same. [
• The Bank consciously sums up the credit/debit of the account. If any amount is credited/debited through mistake, Bank can re-write the balance.
• The unused cheque(s)  must be returned  to the Bank at the time of closing of the account.
• The account holder(s) can select nominee’s) to receive the balance of the account in case of death of the account holder.
• In case of death of the account holder, the nominee’s) has to submit the following papers/documents in support of his/their nomination to receive the balance of the concerned account:

a)          Death Certificate regarding death of the account holder.

b)Certificate from 2 (two) valued clients of the Bank or 2 (two) officers of the Bank or the Chairman/Ward Commissioner of the Union Perished/Municipality in support of the identification of the nominee’s).

c) Attested Passport size photographs of the nominee’s).

d) Indemnity Bond (C.F.-12) duly executed by the nominee’s) under sureties of 2 (two) valued clients each good for the amount and acceptable to the Bank

The Bank reserves the authority to change, develop or reform/modify the rules of the account any time and the client is bound to abide by the same.

Publications:

The Bank, since its birth, has been relentlessly working to project and promote the lofty ideals of Islam in the fields of economics and banking and to reach the people of all walks of life and bring home to them the concept of Islamic banking. Thus, it has been able to create a favorable image about Islamic banking among the people. The Bank releases advertisements through radio, television, magazines and newspapers to make urban and rural masses aware of the ever growing concept, modes of operation, schemes and services of the Bank and to focus on its progress and motivate traders, businessmen and industrialists to establish and broaden their business links with the Bank. To promote healthy growth of art and literature in the country, literary magazines are patronized. The Bank has so far published a number of books, booklets, souvenirs and folders on different aspects of Islamic banking and Islamic economics. Attractive multi-colored posters were also published depicting the aims and objectives, people-oriented special investment schemes of the Bank.

National and international newspapers and magazines published features and in-depth reports on the progress of the Bank and made editorial comments praising the welfare activities of the Bank.

Bank’s quarterly research journal ‘Islami Banking’ highlighting the concept of Islamic economy, banking, insurance, prospect of economic collaboration among the Muslim countries etc. started its publication in 1992 which has been widely acclaimed by all sections of people including academicians, economists, bankers, journalists, judges, intellectuals etc. A periodical house magazine named ‘Islami Bank Parikrama’ is being published regularly as the mouthpiece of the Bank. Discussion meetings, seminars, symposia, workshops are also being arranged to apprise the people of the Islamic banking system. Stalls and booths were opened in different national and international fairs for projecting the activities of the Bank

RURAL DEVELOPMENT SCHEME:

Bangladesh with its 40% people living below poverty line and 18% living in absolute poverty is suffering from acute rural-urban economic disparity coupled with illiteracy, lack of proper health and sanitation facilities. The country’s economy is basically an agrarian one with vast majority living in rural areas. The agriculture sector is unable to provide any further scope for employment resulting in influx of rural population towards urban areas. Rural areas are characterized by stagnant agriculture and scanty industries. Underemployment and unemployment is a regular phenomenon particularly in rural areas. The vast human resources have remained unutilized due to lack of education, proper training and concerted efforts to help grow the rural economy. This results in uneven distribution of income which causes serious set back in balanced geographical growth as well as growth of GDP.

Islami Bank Bangladesh Limited was founded with the major objective of establishing Islamic economy for balanced economic growth by ensuring reduction of rural-urban disparity and equitable distribution of income.

In view of the above, Branches of the Bank have been encouraged to invest their deposits in their respective areas and in particular for the economic upliftment of the rural people.

Accordingly, a Scheme in the name and style of ‘Rural Development Scheme’ has been introduced to cater to the investment needs of the agriculture and rural sector to create opportunity for generation of employment and raising income of the rural people with a view to alleviate poverty.

The main objectives of the Scheme are:

To extend investment facilities to agricultural, other farming and off-farming activities in the rural areas.

To finance self-employment and income generating activities of the rural people, particularly the rural unemployed youths and the rural poor

 To alleviate rural poverty through integrated rural development approach

 To extend investment facilities for rural housing, keeping in view the needs of housing facilities of the rural dwellers

 To provide educational services and safe drinking water, sanitation & Medicare facilities to the down trodden people

TARGET AREA

Initially the Scheme was started as a Pilot Scheme in the rural areas of certain districts under the direct supervision of the nearby Branches of Islami Bank Bangladesh Limited. The Scheme is being gradually extended to all districts through different Branches of the Bank.

Target Group:

Farmers having land holding of maximum 0.50 acres

Sharecroppers with consent from the landowners

 Persons engaged in off-farm activities having no land or land up-to-maximum 0.50 acres

 Persons/farmers permanently residing in the selected villages

 Persons having derelict pond will be eligible for investment for re-excavation and fish cultivation

 Destitute women and distressed people will be provided investment for milk cows/poultry birds/ducks/goats etc. and other suitable off-farm activities for raising their supplementary income

 Persons having liabilities with other banks/institutions including defaulters will not be eligible for investment under the Scheme

Rate of Return:

Bank’s rate of return is 10% per annum (flat) with a rebate of 2.5% for timely payment.

Security Requirements:

No security is required against investment under the Scheme as entire Scheme has been drawn taking into account the social welfare objective of the Bank for upliftment of the socially down-trodden and economically backward and weaker section of the population of the society. However, Group discipline should be strictly followed and complied with so that only the right persons are selected and included as members of the Group.

Besides, each member of the Group gives personal guarantee for other members of the same Group and the members are jointly and severally liable and responsible for payment of investment.

Documentation:

To secure Bank’s investment, the following documents have to be executed:

 Group guarantee form.

 Deed of Agreement.

Usual charge documents

Development of Manpower, Research, Training and Motivation

The principles and working procedures of Islamic Banks are completely new and different from the conventional banks. There is an inevitable need for training of the employees of the banks to orient and attune them to the new system of Islami banking. To cater to this need, Islami Bank training and Research Academy (IBTRA) was established in 1984, soon after the inception of the Bank.

The activities of IBTRA covers both training and research on various aspects of Islamic banking. The Academy developed a rich library of its own with a treasure of valuable books on different subjects including Islamic economics, banking, comparative philosophies and journals of home and abroad and research articles and documents. Employees of the Bank, learners and researchers have been taking full advantage of the library.

The Academy edited books on “Readings in Islamic Banking” and “Investment Operations”. It also edited and published a brochure on “Investment and Trade Opportunities in Bangladesh.”

Keeping in view the existing and future training requirement of the Bank and also to generally cater such needs of different Islamic banking & financial institutions of the region, the management of Islami Bank Training and Research Academy has been placed at the disposal of an Academic Council consisting of 3 Directors of the Board, Management Executives of the Bank, Shariah scholar, renowned academicians and representatives of reputed institutions engaged in the training of bank officials of the country.

The Academy conducts training courses, and workshops. The courses include Islamic Banking, Banking Law and Practice, Investment Operations and Management, Foreign Trade and Foreign Exchange, Shariah Based Audit and Inspection.

Besides, orientation, induction, foundation and motivation courses on different subjects are also conducted round the year. In addition to conducting regular training courses, it arranges seminar on Islamic economics and banking and such other related topics of current interest.

Apart from this, an “Executive Development Programme” has been introduced at the Head Office of the Bank in Dhaka since 1988 for enriching knowledge and thought process and developing professional skill of the Executives. This programme has proved to be effective and now being extended outside Dhaka. The Academy conducts internship courses for the students of different Departments of various Universities of the country. The Bank introduced annual award for the best three students of the Department of Banking and Finance of Dhaka University who secure 1st class 1st, 2nd and 3rd with ‘Islami Banking’ as special subject from the year1994.

The Bank is also providing financial assistance for publication of a textbook on ‘Islamic economics and banking’ for the university students.

Besides, a motivational programme has been introduced since 1987 for the clients of the Bank. Client-orientation programme are arranged at different branches for disseminating the concept of Islamic economics and banking and to acquaint the clients with the operations of Islamic banking system.

The Bank, in 1993, co-sponsored a 3-day International Seminar on ‘Islamic Common Market’ in which scholars, economists, bankers, industrialists and representatives of trade bodies of 15 countries participated. The Bank, with the collaboration of International Association of Islamic Banks (IAIB), organised an International Seminar on Islamic Banking in1985 and another International Seminar on Islamic Banking and Insurance in 1989.

Islami Bank Training and ResearchAcademy has introduced Diploma in Islamic Banking since 1998.

Corporate Social Responsibility:

Taka 30 million sanctioned for the people affected by the devastating cyclone SIDR

Officers and staff of Islami Bank donated one day salary for the cyclone-victims

Islami Bank Bangladesh Limited is continuing relief distribution activities

Health care services:

A good number or newly graduated doctors from Medical Colleges are unemployed. Many of the medical graduates are waiting for job because the opportunity for Government service is limited. If these young doctors could be self-employed by extending investment facilities, they could make modern medical facilities available at the door-steps of rural people. Besides, experienced and specialist physicians who are providing medicare facilities to the people in different towns with their limited and outdated medical equipment will be able to improve the standard of their techniques of treatment and also make the modern treatment facilities available to more people, if investment facilities are extended to them for procurement of modern and improved medical equipment. The constitution of Bangladesh has made it obligatory to ensure good health for all and the government is also committed to ensure good health for all by 2000 years. In view of the above facts, Islami Bank Bangladesh Limited has taken the initiative an introduced the “Doctors Investment Scheme” to ensure modern treatment and medical facilities available to the people through extension of Bank’s investment facilities for self-employment of newly graduated doctors and at the same time extending investment facilities to the established medical practitioners to procure modern and sophisticated medical equipment

To provide investment facilities for establishment of chambers, clinics, pharmacies and procurement of medical equipment by the unemployed medical graduates and thus to provide self- employment

 To assist newly passed unemployed medical graduates to establish clinics by way of formation of groups by 5 doctors

To assist experienced and established physicians to procure improved and modern medical equipment and thus to improve the standard and techniques of treatment

 To assist specialists and consultant physicians to procure specialised medical equipment for extending improved treatment to the people

The Foundation has, therefore, taken up the following Programs to improve the country’s educational scenario:

Though some private medical colleges have been established mostly in and around the capital but the tution fees and other charges are so high that the students of poor and middle class families can not afford it.

Keeping in view the objective to enable the students of poor and middle class families to be a doctor, Islami Bank Foundation has established a medical college in Rajsahi, a metropolitan city of northern part of the country. In the meantime, the classes of the students of 1st 2nd and 3rd batch are going in full swing. The construction work of the hospital building at Naodapra, the own site of the college, is also going on.

Islami Bank Foundation, through it’s various welfare activities, has been working to serve the destitute and distressed people as well as for the socio-economic development of the country.

Islami Bank Foundation wants to expand the on-going projects throughout the country and also wishes to undertake new ones for the overall development of the country. The Foundation is looking forward for sincere assistance and co-operation from philanthropic persons and institutions from home and abroad to materialize its noble and cherished objectives. Zakat and Donations may be credited to Islami Bank Foundation Account Nos. 02101005 (Zakat) and 02101014 (Donation) maintained with lslami Bank Bangladesh Ltd., Head Office Complex Branch, 40, Dilkisha Commercial Area, Dhaka-1000, Bangladesh.

The youths with skills in various sectors of technology may become self-employed in the land and can also get employment opportunities abroad. Islami Bank Foundation has, therefore, established 3 Technical Institutes, two in Dhaka and another in Bogra, which are rendering training facilities in Computer, Secretarial Science, Driving, Electrical, Refrigeration and Air Conditioning, Radio & TV, Tailoring and Garments etc.

Most of the organizations unfortunately, try with development techniques from a standpoint, which often turn antagonistic to the belief and social norms of the people. The renowned foreign and national NGOs have their established training centre(s) where they train their own people and also rent out the facilities to others. Islami Bank Foundation has decided to establish a training centre of its own named ” Centre for Development Dialogue” which will create opportunity for imparting training facilities for its own staff members as well as the staff members of other development organizations.

Tk.25 Lac donated to PM relief fund to help the families of Army Officers at Pilkhana Tragedy

A cheque of Taka 25 lac was handed over to Sheikh Hasina, Prime Minister of the Peoples’ Republic of Bangladesh by Prof. Abu Nasser Muhammad Abduz Zaher, Chairman, Board of Directors of Islami Bank Bangladesh Limited recently on behalf of the Bank to the Relief Fund of the Prime Minister to help the families of Army Officers who were killed in the BDR Head Quarter in Pilkhana. Finance Minister Abul Maal Abdul Muhit, Commerce Minister Lt. Col. (rtd.) Faruq Khan and Prime Minister’s Press Secretary Abul Kalam Azad along with a delegation of Bangladesh Association of Banks were present on the occasion.

Special prayer was offered for the salvation of departed souls of Army Officers

Special prayer was offered at Head Office, Zonal Office and Branches of Islami Bank Bangladesh Limited all over the country for the salvation of departed souls of the army officers who were killed in the BDR mutiny at Pilkhana. Condolence was expressed for their bereaved family members. Dua was offered for the depressed family members so that almighty Allah might help them providing tolerance power for prevailing over the situation

First S.M.E. Service Centre of IBBL:

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