Date: 25th January 2005

Prof. Muhammad Rowshon Kamal, Ph. D Research Instructor IUB-MsM MBA Programme Independent University, Bangladesh (IUB) Dhaka. Sub: Submission of Research Paper Dear Sir, I am glad to know you that I have successfully completed my research paper on titled as The Socio-economical Effect of Consumer Loan System in Bangladesh which is submitted for partial fulfillment of the requirements for the Masters of Business Administration (MBA) at the Independent University, Bangladesh (IUB) and the Maastricht School of Management (MsM), Maastricht, the Netherlands (25th January 2005). I have written this research paper with relevant surveyed data and my personal experience in Prime Bank Limited for 12 weeks intensive training on credit operation systems. I have collected the information from various sources and then analyzed to prepare this report. However, this research cannot be structured, goal oriented and complete without your excellent supervision and guideline. Moreover, you make me felt challenge and proactive to find out something innovative for the consumer credit system in Bangladesh. Finally, I would like to express my deep respect and thanks for you to guide me to prepare this research paper. Any queries on this research paper should be appreciated. I shall fell honored to answering those queries. Thanking You.

Sincerely Yours,

Mohammad Anowar Hossain

Declaration

I am, Mohammad Anowar Hossain, ID No. 0315009, have been declaring that this research paper titled as The Socio-economical Effect of Consumer Loan System in Bangladesh is exclusively prepared for IUB-MsM MBA Programme, Independent University, Bangladesh (IUB) and Maastricht School of Management (MsM), the Nehterlands, under the supervision of Prof. Muhammad Rowshon Kamal, Ph. D. This research paper is a part of the IUB-MsM MBA Programme. I hope the findings and recommendations are written here will be helpful for the restructuring of the consumer loan system in Bangladesh. Moreover, for further research on the relevant topic, this research paper can be used as secondary data information. I hope this research paper can satisfy all the people for whom it is prepared. Thanking You.

Mohammad Anowar Hossain ID No. 0315009

AKNOWLEDGEMENT
This research paper is the part of the IUB-MsM MBA Programme and submitted to Independent University, Bangladesh as Masters thesis work. I have started this research work from 16th October 2005 in Independent University, Bangladesh (IUB) under supervision of Prof. Muhammad Rowshon Kamal, Ph. D. Prof. Muhammad Rowshon Kamal was awarded the Doctor of Economics degree from Nagoya University. In my research time, Prof. Muhammad Rowshon Kamal has helped me how to convey a research or thesis work. He has shared many of his real life experiences on research work which were very helpful for me to write my paper. Moreover, the structured guidline of Prof. Muhammad Rowshon Kamal made easy my research work complications and obstacles. This research cannot be so wealthy in analytic and innovative without his warm and friendly help. I like to thank him from my heart to make me successful to complete my research work on The Socio-economical Effect of Consumer Loan System in Bangladesh. I also joined in Prime Bank Limited, one of the best private commercial bank in Bangladesh, as a internee to acquire real life experience on credit operation systems in Bangladesh. Prime Bank Limited was really helpful to me to share the experience of banking sector. I like to thanks Md. Iftekhar Uddin, Assistant Vice President for his support. Moreover, all the officers of Prime Bank Limited, Motijheel Branch, Dhaka was helped me to learn on credit policies and completion of my thesis work. Executives of other banks also help me to collect information and prepare my final report. For the helping, I would like to thanks Shaikh Altaf Mahmood, Assistant Vice President, Personal Banking, Dhaka Bank, Engr. Azizul Haque Khan, First Assistant Vice President, Bank Asia Limited, Shanila Mehjabin, Asst. Relationship Manager, Consumer Banking and many others. I also grateful to BRAC Bank Limited, Standard Chartered Bank, HSBC. I want to express a BIG thanks for S.M. Tajul Islam, Director, Bangladesh Bureau of Statistics. He has helped me to collect all the statistical information I have used in this research paper as secondary data. I am grateful to all the persons of every bank, organizations and institutions I had visited to collect my information for this research work. Finally, I would like to thank to my parents, all my friends and my well-wishers for their never ending support, assistance and encouragement.

Mohammad Anowar Hossain ID No. 0315009

Executive Summery
The research paper titled as The Socio-economical Effect of Consumer Loan System in Bangladesh is submitted in partial fulfillment of the requirements for the Masters of Business Administration (MBA) degree at the Independent University, Bangladesh (IUB), Dhaka & Maastricht School of Management (MsM), Maastricht, the Netherlands, (25th January, 2005). The consumer loan system in Bangladesh has been described in the research paper. This research paper also includes the problems of the consumer loan system. The enhancements guidelines of the consumer loan system have been provided by reduce the present problems are depicted in the research paper. For the research work questionnaires are prepared for interviewing the bank executives and others. Based on the primary data and the secondary data, the effect of consumer loan has been diagnosed, the problems are observed and found, and finally analyzing both the information enhancements guidelines are prepared. Different chapters of this research paper consists of all the relevant information and analyzing materials which gives the final output. The time for the research work was not sufficient for all required surveyed have been planned at the initial stage. The survey program has been shortened. However, the data are collected is correct and sufficient for the research work. To get the real life practical experience of banking environment I have taken an internship programme in Prime Bank Limited. Prime Bank Limited has helped me beyond my expectation in this research paper. The assistance of the Prime Bank Limited and all the employees in the credit division is unforgettable.