Process of Regression Analysis

8/17/2019 Process of Regression Analysis

1/8

SME Financing: present

status & Contribution toour Economy.

PREPARING AN ANAL!ICAL"#ER#IE$S "F SME FINANCING%ASE "N %ANGLAES' %AN(.

27th February , 2011

epartment ")Finance

*agannat+ ,ni-ersity

+a/a.

RECENTMONETARYPOLICY- Declaredby BANGLADESH

BANK Reasons Conse!"ences

#$%

%

&a'anna() *n+,ers+(y.#.#$%%


2/8

SME Financing: present status

& Contribution to our Economy.

SME 0 Sma11 an2 Me2ium Enterprises 3:

SME business is a non-public limited companies but a business for self-employment or for social

welfare.

>Accord+n' (o ()e la(es( c+rc"lar o/ BANGLADESH BANK 0Da(e 1 #.$2.#$$345()e de6n+(+on o/ S7all Med+"7 En(er8r+se sec(or +s '+,en belo9:

►Sma11 Enterprises 1 S7all en(er8r+ses re/er (o ()ose en(er8r+ses 9)+c)are no( any P"bl+c L+7+(ed Co78an+es and 9)+c) /"l6ll ()e /ollo9+n' cr+(er+a-

4.Ser-ice Concern- Ha,+n' an +n,es(7en( o/ T;< 2$5$$$ (o T;< 2$5 $$5$$$e=cl"d+n' land b"+ld+n' and . or e78loy+n' "8 (o #2 9or;ers<

5.%usiness Concern - Ha,+n' an +n,es(7en( o/ T;< 2$5$$$ (o T;< 2$5 $$5$$$e=cl"d+n' land b"+ld+n' and . or e78loy+n' "8 (o #2 9or;ers<6.Manu)acturing Concern - Having an investment of Tk. 50000 to Tk. !5000000e"cluding land # building and $ or employing up to 50 workers.

►Me2ium Enterprises 1 Med+"7 en(er8r+ses re/er (o ()ose en(er8r+ses9)+c) are no( any P"bl+c L+7+(ed Co78an+es and 9)+c) /"l6ll ()e /ollo9+n'

cr+(er+a-

4.Ser-ice Concern- Ha,+n' an +n,es(7en( o/ T;< 2$5$$5$$$ (o T;<

%$5$$5$$5$$$ e=cl"d+n' land b"+ld+n' and . or e78loy+n' "8 (o 2$ 9or;ers<5.%usiness Concern - Ha,+n' an +n,es(7en( o/ T;< 2$5$$5$$$ (o T;<%$5$$5$$5$$$ e=cl"d+n' land b"+ld+n' and . or e78loy+n' "8 (o 2$ 9or;ers<6.Manu)acturing Concern - Ha,+n' an +n,es(7en( o/ T;< %52$5$$5$$$ (o T;<#$5$$5$$5$$$ e=cl"d+n' land b"+ld+n' and . or e78loy+n' "8 (o %2$

9or;ers


3/8

Partition o) SME Enterprises: SMEs +n Ban'lades) are also de6ned /or8"r8oses o/ +nd"s(r+al 8ol+c+es by M+n+s(ry o/ Ind"s(r+es 0MOI4< H+s(or+cally5()+s de6n+(+on )as been +n (er7s o/ 6=ed +n,es(7en( brac;e(s5 and a d"al7ode de6n+(+on +s +n 8lace5 se8ara(e /or 7an"/ac("r+n' es(abl+s)7en(s5 andser,+ce es(abl+s)7en(s<

>Accord+n' (o ()e Ind"s(r+al 8ol+cy #$$25 s7all and 7ed+"7 en(er8r+ses s)all beca(e'or+?ed "s+n'()e /ollo9+n' de6n+(+ons:

:

□ Manu)acturing enterprise:

Sma11 Enterprises an en(er8r+se s)o"ld be (rea(ed as s7all +/5 +nc"rren( 7ar;e( 8r+ces5 ()e re8lace7en( cos( o/ 8lan(5 7ac)+nery and o()er8ar(s . co78onen(s5 6=("res5 s"88or( "(+l+(y5 and assoc+a(ed (ec)n+calser,+ces by 9ay o/ ca8+(al+?ed cos(s 0o/ ("rn ;ey cons"l(ancy ser,+ces5 /ore=a78le45 e(c5 e=cl"d+n' land and b"+ld+n'5 9ere (o be "8 (o (;< %2 7+ll+on@

Me2ium enterprise - an en(er8r+se 9o"ld be (rea(ed as 7ed+"7 +/5+n c"rren( 7ar;e( 8r+ces5 ()e re8lace7en( cos( o/ 8lan(5 7ac)+nery ando()er 8ar(s . co78onen(s5 6=("res5 s"88or( "(+l+(y5 and assoc+a(ed(ec)n+cal ser,+ces by 9ay o/ ca8+(al+?ed cos(s 0s"c) as ("rn ;eycons"l(ancy ser,+ces45 e(c5 e=cl"d+n' land and b"+ld+n'5 9ere (o be "8(o (;< %$$ 7+ll+on@

□Non7manu)acturing enterprise:Sma11 enterprise 8 an en(er8r+se s)o"ld be (rea(ed as s7all +/ +( )asless ()an #2 9or;ers5 +n /"ll (+7e e!"+,alen(s@

Me2ium enterprise - an en(er8r+se 9o"ld be (rea(ed as 7ed+"7 +/ +()as be(9een #2 and %$$ e78loyees<

%rie) "-er-ie9 ") SME Financing:


4/8

T)ere +s a 'rea( +n(eres( +n s7all and 7ed+"7 en(er8r+ses 0SME4 as a 7aor8lan; o/ 8o,er(y red"c(+on +n Ban'lades)< T)e 'o,ern7en( )as /or7"la(ed aco78re)ens+,e +nd"s(r+al 8ol+cy 5; by 8"((+n' s8ec+al e78)as+s /orde,elo8+n' SMEs as a ()r"s( sec(or /or balanced and s"s(a+nable +nd"s(r+alde,elo87en( +n ()e co"n(ry (o )el8 deal 9+() ()e c)allen'es o/ /ree Mar;e(

econo7y and 'lobal+?a(+on<

So7e da(a 9+() a na(+onal sco8e ()a( are 8er(+nen( (o c)arac(er+?+n' SMEs +nBan'lades)as o/ 54756< T)ere are so7e 35$ 8r+,a(e sec(or es(abl+s)7en(s o/ ,ar+o"s s+?es +n Ban'lades) 9+() so7e


5/8

SME sectors: Bes+des5 T)e loans 9+ll be '+,en (o 7ore ()an $ca(e'or+es o/ o8era(+ons +n ()e SME sec(or s"c) as-

● l+')( en'+neer+n'

● )and+cra/(5

● o9er5

● 6s) 8rocess+n'5

● )andloo75 r+ce-7+ll

● &a7dan+5 Ras)a)+ s+l;5

Ban; o/ S7all Ind"s(r+es and Co77erce Ban'lades) L(d< 0BASIC4 +s en(r"s(ed

9+() ()e res8ons+b+l+(y o/ 8ro,+d+n' 7ed+"7 and lon'-(er7 loans /or8ro7o(+on and de,elo87en( o/ s7all-scale +nd"s(r+es< T)e 7e7orand"7 and

Ar(+cles o/ Assoc+a(+on o/ ()e ban; s(+8"la(es ()a( 2$ o/ loanable /"nds s)all

be "sed /or 6nanc+n' s7all scale and co((a'e +nd"s(r+es< T)e o"(s(and+n'

cred+( o/ BASIC s(ood a( !/4;>.? crore a( ()e end o/ Dece7ber #$$% /or

s7all and co((a'e +nd"s(r+es sec(or ()a( rose (o !/4@>.@ crore by 45.


6/8

SME: !+rust sector 2eser-es appropriate

support:SME )as been cons+dered as ()e ()r"s( sec(or +n ()e econo7+c de,elo87en( o/ ()e

co"n(ry 9+() 'ro9+n' +78or(ance /ro7 all 9al;s o/ l+/e< I( +s e,+den( ()a(5 s"bs(an(+al

+ncrease +n SME and Re(a+l Cred+( 8or(/ol+os alon' 9+() co77erc+al5 cor8ora(e and

+ns(+("(+onal lend+n'5 9o"ld lead ()e ban;s (o +(s )+')er (raec(ory o/ 'ro9()5

7+n+7+?+n' ()e r+s; o/ lend+n' ()ro"') 8or(/ol+o d+,ers+6ca(+on< As s"c)5 7os( o/ ()e

ban;s )a,e (a;en "8 a''ress+,e 7ar;e(+n' 8ol+cy (o a"'7en( ()e+r e=8os"re +n SME

and Re(a+l Cred+(< T)o"') SME conce8( +s no()+n' ne95 as e,+den( /ro7 ()e

es(abl+s)7en( o/ Ban'lades) S7all and Co((a'e Ind"s(r+es Cor8ora(+on 0BSCIC45 b"(

a /res) loo; +n(o and Endea,o"r (o boos(+n' ()e sec(or are s(+ll +78era(+,e<

Ban'lades) Ban; re-6nance sc)e7e /or SME +s la"dable< T)e role o/ IJC-SEDJ /or

crea(+n' a9areness a7on' ()e en(re8rene"rs and ban;s.NBJIs (o be 7ore /oc"sed

+n SME deser,e a88rec+a(+on<

Prospects:*n-e78loy7en( 8roble7 +s a 'ro9+n' concern all o,er ()e 9orld 7ore 8ar(+c"larly +n

de,elo8+n' co"n(r+es5 and ()e 8anacea (o ()e se(bac; 7os(ly l+es +n 7ass+,e

de,elo87en( o/ labor +ncen(+,e SME sec(or< SME +n 7any cases can be se( "8 a(

do7es(+c and )o"se)old le,el con(r+b"(+n' (o cos( c"((+n'< Ja7+ly 7e7bers 7ay

also 8ar(+c+8a(e +n ()e 8rocess<

►!+e go-ernment is consi2ering a specia1 pac/age )or t+eSME sector:De(er7+n+n' ()e econo7y 'ro9() 'o,ern7en( +n+(+a(+n' (o de,elo8 SME < T)e'o,ern7en( cons+ders a /"r()er c"( +n ban; +n(eres( ra(es5 es8ec+ally /or s7all and7ed+"7 en(er8r+ses 0SMEs4 (o )el8 ()e sec(or 'ro9 /as(er5 sa+d ()e co77erce7+n+s(er yes(erday< e )a,e already bro"')( do9n ()e +n(eres( ra(e (o s"88or( ()eco"n(ryFs en(re8rene"rs< e are cons+der+n' red"c+n' ()e ra(e /"r()er (o )el8d+eren( sec(ors5 es8ec+ally ()e SMEs5 'ro9 /as(er5 sa+d Jar"; K)an< No9 Analys+sSME loans ()ro"') a 'ra8) based on #$%$ 6scal 8ol+cy


7/8

In ()e 6rs( n+ne 7on()s o/ ()+s year5 ()e ban;+n' sec(or e=ceeded ()e 9)ole yearFs(ar'e( /or '+,+n' loans (o s7all and 7ed+"7 en(er8r+ses 0SME4 -- b"( only ()an;s (o

a ne9 de6n+(+on o/ SME loan5 accord+n' (o so7e ban;ers< T)e ban;ers sa+d ()ede6n+(+on +ncl"ded e=+s(+n' non-SME 8or(/ol+os as SME loans5 )el8+n' ra+se d+sb"rsed/"nds (o !a/a 6>5.>6 bi11ion 0*S;. bi11ion4 a'a+ns( a (ar'e( o/ !a/a 56?.?;bi11ion


8/8

► D"r+n' ()e Jo"r() J+,e year 8lan5 a (o(al o/ .6; mi11ion obs 9ere crea(eda'a+ns( ()e (ar'e( o/ . 7+ll+on<► Con(r+b"(+on o/ SME sec(or (o GDP re7a+ned abo,e .;B d"r+n' ()e 8er+od/ro7#$$$-$% (o #$$-#$$2 des8+(e decl+ne +n ()e a7o"n( o/ ad,ances by ()eban;+n'sec(or (o ()+s sec(or<► SME sec(or e78loys 5;B o/ ()e (o(al labo"r /orce< As a res"l(5 ()+s sec(or +s()e 8resen( a,a+lable sec(or /or crea(+on obs<► SME sec(or )el8 alle,+a(e 8o,er(y5 +ncrease +nco7e le,el o/ r"ral 8eo8le and8ro7o(e a'ro-+nd"s(r+al l+n;a'e +n Ban'lades)<► SME sec(or re!"+res lo9er ener'y s"88ly5 lo9er +n/ras(r"c("re /ac+l+(+es and()+ssec(or +78oses less en,+ron7en(al r+s;< T)ey con(r+b"(e (o9ards be((er "(+l+?a(+on o/ local reso"rces and s;+lls ()a( 7+')( o()er9+se re7a+n "n"(+l+?ed<► S7all +nd"s(r+es be+n' labo"r or+en(ed are ca8able o/ 'enera(+n' 7oree78loy7en(<► T)ey are necessary (o 7a+n(a+n and re(a+n (rad+(+onal s;+lls and )and+cra/(s<► T)ey are ()e only 7ed+"7 /or d+,ers+6ca(+on o/ r"ral econo7y and /or 8eace/"l

and conc"rren( soc+o-econo7+c de,elo87en( o/ all classes o/ 8eo8le< Jro7 ()eabo,e d+sc"ss+on5 9e can say ()a( SMEs are 8lay+n' an +78or(an( role +n o"recono7y +n ,ar+o"s 9ays<

Conc1usion:A( las( 9e can say5 SME 6nanc+n' 8lays a con(r+b"(+on +n Ban'lades)+ econo7y< I( +sa b"s+ness 9)+c) c)an'es ()e (rad+(+onal b"s+ness s"ccess/"l (o 7a;e e78loy7en(/ro7 "ne78loy7en(< T)e +78or(ance o/ SME sec(or +s 9ell-reco'n+?ed 9orld o,ero9+n' (o +(s s+'n+6can( con(r+b"(+on +n ac)+e,+n' ,ar+o"s soc+o-econo7+c obec(+,es5

s"c) as e78loy7en( 'enera(+on5 con(r+b"(+on (o na(+onal o"(8"( and e=8or(s5/os(er+n' ne9 en(re8rene"rs)+8 and (o 8ro,+de de8() (o ()e +nd"s(r+al base o/ ()eecono7y< Ban'lades) )as a ,+bran( SME sec(or ()a( 8lays an +78or(an( role +ns"s(a+n+n' econo7+c 'ro9()5 +ncreas+n' (rade5 'enera(+n' e78loy7en( and crea(+n'ne9 en(re8rene"rs)+8 +n o"r co"n(ry<

<

Process of Regression Analysis

Documents

Transcript of Process of Regression Analysis