Chapter- 1: Introductory Part

Chapter- 1: Introductory Part

 

1.1 Introduction

Bangladesh is an agro-based economic country. This country’s calamity and fertile land is suitable for cultivation. There are 85% people of our country are depended upon agriculture directly and indirectly. Major portion of National Income comes from agriculture and development of this country depends upon the development of agriculture. But the financial conditions of the farmer of our country are not satisfactory.

            The farmers of this country were oppressed in various ways at the time of British Rule. The indigenous moneylenders and other landlords supplied credit to produce crops and for other purposes to the farmers and many farmers lost their belongings due to not repay their debt. They took “Dadan” from moneylender and when they would repay the money with interest, they would become landless day by day. To ease this situation the Indian British Government introduced the Taccavi loan system. The Indian British Govt. also took a step to disburse agro-credit for the socio-economic development of the small and marginal farmers of Bengal in 1932, which was continued to 1935.

The Name of the institution is RajshahiKrishiUnnayan Bank: As the largest development partner in the northwest region RajshahiKrishiUnnayan Bank aims at overall development of the farmers and all the sectors and sub-sectors of agriculture in this region. Besides catering to agricultural credit, financing agri-business and agro-based industries and poverty alleviation programs the bank performs commercial banking functions.

To prepare this report I analyze the financial data of RAKUB and try to show the present condition of Credit management of the bank and also. I actually analyze the whole report with qualitative and quantitative view through the theoretical and some statistical analysis with graphical presentation. Though it is not a professional report because of its some limitations but as a unique report it consist some individual characteristics which make it as a lucrative one.