MDB GREEN LOAN


MDB Green Loan is a structured and an environment friendly lending product with a view to enabling different MSMEs, farmers, individuals, organizations to purchase Green and Renewable Energy Technologies (RETs) to reduce the dependence of traditional energy as well as to meet up country's electricity and gas demand. Green Energy is a potential and growing sector of Bangladesh which creates an ample opportunity of lending here and making bank's profitability. To serve this sector Green loan scheme been designed.

Title Details
Target customers All kinds of customers; users, manufacturers, traders, service providers and promoters of Green Energy Technologies (GETs), which fall under micro, cottage, small & medium enterprises, emerging corporates, households, individual farmers, agri farms, NGOs, Co-operative Societies, institutions and other special organizations engaged in promoting the green energy sector.
Objectives This product will meet up funding requirement of the prospective customers and contribute to achieve the following objectives:
  • Tap the loan market of the flourishing green energy sector
  • To improve human living conditions and achieve energy efficiency
  • To create green jobs
  • To promote the sustainable energy sector
  • To contribute the climate change of the bank
  • To discharge CSR role
  • Minimize risk through portfolio diversification
  • To achieve profitability of the bank
  • Branding of the bank
Preferred sectors as per Bangladesh Bank re-finance circular for green financing
  • Solar PV (photovoltaic) for Home System & Water Pump (for Irrigation and drinking water)
  • Solar PV Assembly Plant
  • Solar Mini Grid
  • Bio-gas plant
  • Effluent Treatment Plant (ETP)
  • Environment-Friendly Brick Kilns (Zig Zag, Hybrid Hoffman kilns/HHK, Tunnel Brick Kiln, Compressed Block Brick, Concrete Block Brick, Non-fire Block Brick)
  • Vermicompost Production
  • LED Lights Assembly Plant
  • Auto Sensor Power Switch Assembly Plant
  • Hydropower Plant
  • PET( polyethylene terephthalate) Bottle Reprocessing
  • Solar Battery Reprocessing
  • Waste Management Plant
  • Energy Efficiency Technology
  • Any other feasible green plant/projects/products within/beyond the Bangladesh Bank circular may also to be encouraged.
Loan category
  • MDB Green Loan (TL)
  • MDB Green Loan (RL)
Purpose of loan To foster development of green energy sector with bank finance for working capital and fixed asset financing including civil construction for project building/warehouse/shed etc. Working capital may be extended in the form of RL and TL while fixed assets/construction of project building/warehouse/shed shall be financed in the form of TL. Ultimate objective is to meet up the country's need for electricity and gas as well as to protect the climate by reducing carbon emission.
Eligibility criteria
  • Tenure Of business: Both the existing and startup businesses having potentiality and capacity to repay bank loan;
  • Nature of business: Users, manufacturers, promoters, contractors, service providers and related trading enterprises RETs;
  • Legal form of business: Proprietorship/partnership/private limited company/ organizations having valid registrations/licenses. Individual users are eligible for the loan;
  • Nationality: Bangladeshi by birth;
  • Entrepreneurs age: 21-60 years (applicable for sole proprietorship and partnership firms);
  • Owners/entrepreneurs experience: 2 years of experience in any kind of business. For startup business the entrepreneur/s should have practical experience/training in the relevant area. if the client is user, there needs no experience;
  • Owners/entrepreneurs capacity: To repay loan from secondary/tertiary source in addition to primary source of income;
  • Women entrepreneurship: More than 50% share owned by women entrepreneurls (for partnership/private limited company)
Account turnover Bank account turnover will be encouraged.
Availability Loans under this product will be available across the country through MDB Green Loan various branches/sales outlets of MDB.
Eligibility for re-finance Applicable as per Bangladesh Bank rule or agreement with any other re-financing or pre-financing agency/s.
Loan size Up to BDT 25.00 crore including working capital and fixed asset finance. Loan size may be extended based on business viability and repayment capacity of the borrower.

MDB IT UDDOG


MDB IT Uddog a custom-made loan product especially developed for IT based entrepreneurs. IT entrepreneurship is one of the most potential differentiating factors for the long run economic growth rate among countries. That is why we should care deeply about how to make in happen in an efficient and inclusive manner. Entrepreneurship is just another way in which young people who make a living, and is susceptible to the fault line of the gender-segregated division of work. To serve this sector MDB IT Uddog been designed.

Title Details
Target Customer This product will meet up funding requirement of the prospective target customers and contribute to achieve the following objectives:
  • To improve IT based knowledge and service what make better living standard and economy
  • To promote IT entrepreneurs
  • To promote young generations
  • To promote small scale IT service in rural areas
  • To contribute sustainable economic growth
  • To encourage young graduate for self-employment
Objective MDB IT Uddog is a timely venture of MDB to stand our position beside the IT Entrepreneurs. Ultimate objective of the product is to have the followings:
  • Explore the potentiality of the IT Entrepreneurs' who have the opportunity to grow and ensure access to credit
  • To address the call of state, Bangladesh Bank and IT community to stand beside the IT Entrepreneurs' who starve for banking facility for their development
  • To financially empower the young IT knowledge based society
  • It's a part of Social commitment to develop our digital Bangladesh
  • To become one of the initiating Banks to take initiative to promote the IT Entrepreneurs'
  • To keep strong footage for the Economic development of the country through developing the IT entrepreneurs'
  • Portfolio Diversification
Loan category
  • MDB IT Uddog (TL)
  • MDB IT Uddog (RL)
Purpose of loan To foster development of IT sector with bank finance for working capital and fixed asset purchase including civil construction for project building/warehouse/shed etc. Working capital may be extended in the form of RL and TL while fixed assets/construction of factory building/warehouse/shedshall be financed in the form of TL.
Eligibility criteria
  • Tenure Of business: Minimum 02 years, It should be profit making business concern/startup business having potentials;
  • Nature of business: IT Business;
  • Legal form of business: Proprietorship/partnership/private limited company/ organizations having valid registrations/licenses.
  • Nationality: Bangladeshi by birth;
  • Entrepreneurs age: 21-60 years (applicable for sole proprietorship and partnership firms);
  • Owners/entrepreneurs experience: 2 years of experience in any kind of business.For startup business the entrepreneur/s should have practical experience/training in the relevant area
  • Owners/entrepreneurs capacity: To repay loan from secondary/tertiary source in addition to primary source of income;
  • Women entrepreneurship: More than 50% share owned by women entrepreneurls (for partnership/private limited company)
Account turnover Bank account turnover will be encouraged.
Availability Loans under this product will be available across the country through various branches/sales outlets of MDB.
Eligibility for re-finance Applicable as per Bangladesh Bank rule or agreement with any other re-financing or pre-financing agency/s.
Loan size Up to BDT 5.00 crore including working capital and fixed asset finance. Loan size may be extended based on business viability and repayment capacity of the borrower.

MDB KRISHI LOAN


MDB Krishi is a structured Loan product for agri SMEs and individual farmers. Agriculture is a potential growing sector of Bangladesh. There are a lot of emerging SMEs in 'agriculture which creates an ample opportunity of lending here and making profitability. To serve this sector MDB Krishi been designed.




Title Details
Target customers All entrepreneurs- individual farmers and farm enterprises which fall under micro, cottage, small & medium enterprises, emerging corporates and other special organizations engaged in promoting the agriculture sector and its sub-sectors.
Objectives This product will meet up funding requirement of potential agri customers and contribute to achieve the following objectives.
  • Tap the loan market of the flourishing agri sector in a focused manner
  • Enhance productivity growth
  • Ensure food security
  • Reduce poverty
  • Reduce import dependence
  • Contribute to national GDP
  • Create more rural employment
  • Risk & portfolio diversification
  • Response to the call of State
  • Achieve bank's profitability
  • Branding of the bank
Agriculture sector and its sub-sectors, Agriculture and Rural Credit Programs Relevant sectors and sub-sectors of agriculture as per Bangladesh Bank SME Agri Credit Policy are as follows:
  • Crops (paddy, wheat, maize, oil seeds, spices etc)
  • Fisheries
  • Livestock & poultry
  • Agri equipment (loan given at users/farmers level)
  • Irrigation equipment (loan given at users/farmers level)
  • Seed production (for sales at farmers level)
  • Crops warehouse and marketing (only for storing and marketing of own crops)
  • Poverty alleviation and different income generating activates at rural areas
Lending priority should be given to these sectors & their related sub­ sectors also as per Agri Credit Policy of Bangladesh Bank. Women entrepreneurs are to be encouraged. Retail customers/marginal farmers/barga-farmers (individual or enterprise) engaged in agri activities and other income generating activities for alleviation of poverty may be financed through linkage of MFI NGOs under MDB NGO Link Loan Scheme.
Loan category
  • MDB Krishi Loan (TL)
  • MDB Krishi Loan (RL)
Purpose of loan To foster development of agriculture sector with bank finance for working capital and fixed asset purchase including civil construction forshed/warehouse etc. Working capital may be extended in the form of RL and TL. While fixed assets/construction of shed/warehouse shall be financed in the form of TL. The loan will be utilized to meet up the following costs. Cost estimate to be certified by local agri officer/for cost estimate Bangladesh Bank policy (where necessary) may be followed:
  • For crops: Purchase of quality seeds, fertilizer & pesticide, labor payment, land processing cost, maintenance cost, payment of land rent, irrigation, warehousing & marketing, purchase of machinery & equipment etc.
  • For Fisheries: Expand ponds, hatchery, Purchase of renu pona, feed, medicine & related inputs
  • For livestock & Poultry: Purchase of cattle/poultry, feed, medicine & related inputs, expansion of shed, poultry cage/ hatchery etc.
  • Other cost as per estimate.
Eligibility criteria
  • Tenure of business: Both the existing and startup businesses/farms as well as individual farmers having potentiality are eligible for the loan;
  • Nature of business: Agriculture;
  • Legal from of business: Proprietorship/partnership/private limited company/organizations having valid registrations/licenses;
  • Nationality: Bangladeshi by birth;
  • Entrepreneurs age: 21-60 years (applicable for sole proprietorship and partnership firms);
  • Owners/entrepreneurs experience: 2 years of experience in any kind of business. For startup business the entrepreneur/s should have practical experience/training in the relevant area'
  • Owners/enterprenuous capacity: To repay bank loan
Account turnover Bank account turnover will be encouraged.
Availability Loans under this product will be available across the country through MDB Krishi Loan various branches/sales outlets of MDB.
Eligibility for re-finance Applicable as per Bangladesh Bank rule or agreement with any other re-financing or pre-financing agency/s.
Loan size Up to BDT 15.00 crore including working capital and fixed asset finance. Loan size may be extended based on business viability and repayment capacity of the borrower.

MDB NARI UDDOG


Women Entrepreneurship is one of the most potential differentiating factors for the long run economic growth rate among countries. That is why we should care deeply about how to make in happen in an efficient and inclusive manner. Entrepreneurship is just another way in which women make a living, and is susceptible to the fault-line of the gender-segregated division of work. To serve this sector MDB Nari Uddog been designed.




Title Details
Target customers Only women entrepreneurs engaged in any sort of business which falls under micro, cottage, small & medium enterprises, emerging corporates and other special organizations engaged in promoting women entrepreneurs.
Objectives It is a tailor-made loan product for women led business, which will meet up funding requirement of the prospective target customers and contribute to achieve the following objectives:
  • Explore the potentiality of the women entrepreneurs' who have the opportunity to grow and ensure access to credit
  • To address the call of state, Bangladesh Bank and women community to stand beside the Women Entrepreneurs' who starve for banking facility for their development
  • To financially empower the women society
  • It's a part of Social commitment
  • To become one of the initiating Banks to take initiative to promote the women Entrepreneurs'
  • To keep strong footage for the Economic development of the country through developing the women entrepreneurs
  • Portfolio Diversification
  • Increase bank's portfolio and make bank's profitability
  • 100% re-financing opportunity from Bangladesh Bank upto a certain amount
  • Branding of the bank
Potential sectors Business/service/manufacturing/agriJagro-based. Relevant potential sectors as mentioned in the guidelines of Bangladesh Bank SME Credit Policies and Programs may be followed for financing.
Loan category
  • MDB Nari Uddog (TL)
  • MDB Nari Uddog (RL)
Purpose of loan To foster development of women entrepreneurs with bank finance for working capital and fixed asset purchase including civil construction for factory building/warehouse/shed etc. Working capital may be extended in the form of RL and TL while fixed assets/construction of factory building/warehouse/shed shall be financed in the form of TL.
Eligibility criteria
  • Tenure Of business: Minimum 02 years. It should be profit making business concern/startup business having potentials
  • Nature of business: Any business/ service/ manufacturing/agri/ ago-based enterprises;
  • Legal form of business: Proprietorship/partnership/private limited company/organizations having valid registrations/licenses
  • Nationality: Bangladeshi by birth
  • Entrepreneurs age: 21-60 years (applicable for sole proprietorship & partnership firms and organizations)
  • Owners/entrepreneurs experience: 2 years of experience in any kind of business. For startup business the entrepreneur/s should have practical experience/training in the relevant area
  • Owners/entreprreneurs capacity: To repay loan from secondary/tertiary source in addition to primary source of income
  • Women entrepreneurship: More than 50% share owned by women entrepreneur/s (for partnership/private limited company)
Account turnover Bank account turnover will be encouraged.
Availability Loans under this product will be available across the country through MDB Nari Uddog various branches/sales outlets of MDB.
Eligibility for re-finance Applicable as per Bangladesh Bank rule or agreement with any other re-financing or pre-financing agency/s.
Loan size Up to BDT 5.00 crore including working capital and fixed asset finance. Loan size may be extended based on business viability and repayment capacity of the borrower.

MDB PRAROMVIK


Customer(s) will pay certain monthly installment for a definite period and after maturity he/she will be given an amount as agreed at time of account opening.

Title Details
Product Name MDB Praromvik
Loan Type Unsecured
Nature of Product Term Loan
Purpose of the Loan WC, fixed asset etc.
Criterion Min Max
Experience of the Enterprise Years 2.0 -
Loan Celling (fig in Lac Tk.) 2.0 10.0
Tenor (Months) 3.0 36.0
Processing Fee (Each) 1.0% 1.0%

MDB ORJON


Customer(s) will pay certain monthly installment for a definite period and after maturity he/she will be given an amount as agreed at time of account opening.

Title Details
Product Name MDB Orjon
Loan Type Partially Secured
Nature of Product Term Loan
Purpose of the Loan WC, fixed asset etc.
Criterion Min Max
Experience of the Enterprise Years 2.0 -
Loan Celling (fig in Lac Tk.) 5.0 20.0
Tenor (Months) 12.0 60.0
Interest Rate (% per Year) 17.0% 17.0%
Processing Fee (Each) 1.0% 1.0%
Security Arrangement (FDR) 25.00% 30.00%

MDB OGROJ


Customer(s) will pay certain monthly installment for a definite period and after maturity he/she will be given an amount as agreed at time of account opening.

Title Details
Product Name MDB Ogroj
Loan Type Secured
Nature of Product OD + Term Loan
Purpose of the Loan WC, fixed asset etc.
Criterion Min Max
Experience of the Enterprise Years 2.0 -
Loan Celling (fig in Lac Tk.) 10.00 100.00
Tenor (Months) 12.0 60.0
Processing Fee (Each) 1.0% 1.0%
Security Arrangement (LTV- Land & building on FSV) - 100.00%

MDB DIPTIMOYI (WE)


Customer(s) will pay certain monthly installment for a definite period and after maturity he/she will be given an amount as agreed at time of account opening.

Title Details
Product Name MDB Diptimoyi (WE)
Loan Type Unsecured
Nature of Product Term Loan
Purpose of the Loan WC, fixed asset etc.
Criterion Min Max
Experience of the Enterprise Years 2.0 -
Loan Celling (fig in Lac Tk.) 1.00 25.00
Tenor (Months) 3.0 36.0
Processing Fee (Each) 1.00% 1.00%
Security Arrangement (FDR) - -

MDB NIRBHOROTA


Customer(s) will pay certain monthly installment for a definite period and after maturity he/she will be given an amount as agreed at time of account opening.

Title Details
Product Name MDB Nirbhorota
Loan Type Deposit
Nature of Product Monthly Deposit Scheme
Purpose of Deposit To build up equity of client
Criterion Min Max
Experience of the Enterprise Years N/A N/A
Deposit Amount per month (Fig in Tk.) 500.00 50,000.00
Tenor (Months) - 60.00
Processing Fee (Each) N/A N/A