International Journal of Commerce and Management Research

author(s)
Md. Zarrar Sadrey, Md. Enamul Hasan, Muslima Afrin, Shukaila Rahi, Sharmeen Farha Samantha, Shekh Faysal

abstract
Commercial banks lend money to different categories of borrowers for various purposes with view to generating revenue. Accordingly, while processing and appraising a loan proposal, banks essentially analyze the information relating to borrowers, assess the purposes of loan and determine the viability of the loan proposal. If the proposal is sound and safe for lending, loan is sanctioned and disbursed. The report discusses about the management practices of different credit facilities, approval process, monitoring and performance of the bank under study. Janata Bank Limited is the second largest Government owned Bank. It operates credit facilities for business purpose as well as welfare of the economy. Bank has finance at the rural level at a very low interest rate. It has also Special loan procedures for the rural farmers. This helps for the development of the rural economy of the country. This report is categorized in four different chapters. Firstly, it contains the introduction of the study, secondly, the overview of the organization. Thirdly, Concept and Analysis of the impact of loans and advances and also contain Bangladesh Bank guidelines. Next discussion is the analysis and findings about different variables of facilities. At the end, the report makes some valuable policies implication from the analysis.