Loan Schemes
1. Entrepreneur Loan Scheme:
Entrepreneurs after completing technical education and ICT training will be able to receive investment from this scheme against the purchase of computers, product production machinery and raw materials. Investment is provided for the purchase of products from 50,000 (fifty thousand) taka to 05 (five lakh) taka. Installment method: Weekly, monthly.
Tenure period-12, 24 and 36 months.
2. Women Entrepreneur Loan Scheme:
Women entrepreneurs after completing technical education and ICT training will be able to receive investment from this scheme against the purchase of computers, product production machinery and raw materials. Investment is provided for the purchase of products from 20,000/= (twenty thousand) taka to 05 (five lakh) taka.
Installment method: Weekly/monthly, tenure period-12, 24 and 36 months.
3. SME Loan Scheme:
Businessmen will be able to take loans from 20,000/= (twenty thousand) taka to 5 (five lakh) taka for the purchase of goods for their business expansion and purchase of goods. .
Installment method: Daily/Weekly/Monthly, Tenure-12/24 months.
4. Agriculture and Agro-Farm Loan Scheme:
Marginal farmers and agro-farmers are provided loans from this scheme for the purchase of agricultural products and agro-farm equipment, cattle, poultry, fish fry. They will be able to take loans from 50,000/= (fifty thousand) taka to 5 (five lakh) taka for the purchase of goods. Installment method: Monthly and seasonal, Tenure-4, 6, 12 and 24 months.
5. Home Goods Loan Scheme:
Loans are provided from this scheme against the purchase of furniture and electronic goods.
You can take a loan from 20 thousand to 2 lakh taka on easy terms for the purchase of home goods.
Installment method: Monthly, tenure period-12/24 months.
6. Car Loan Scheme (HIRE PURCHASE UNDER/SHIRKATUL MILK):
The money of this scheme is invested against the purchase of autorickshaws, motorbikes and autocars.
Investment amount is from 1 lakh to 20 lakh taka. Installment method: Monthly, tenure period-12/24/36 and 48 months.
7. Housing Loan Scheme:
Loans are provided from this scheme against the purchase of semi-finished goods, tin sheds, buildings and flats.
Loan amount is from 1 lakh to 30 lakh for the purchase of goods and flats depending on the category.
Installment method: Monthly, Tenure-12/24/36 and 48 months.
8. Personal Loan Scheme:
Employees can take investment from the Personal Investment Scheme against their salary to purchase household goods, furniture, motorbikes, cars, ready flats. Investment amount is from 50 thousand to 20 lakh taka. Tenure-12/24/36 and 48 months. Installment method: Monthly.

Loan Policy

Loan Method:
1. Buy Murabaha: In the Buy Murabaha method, the Islamic bank/finance purchases the product and sells it to the customer. That is, here the Islamic bank/finance first becomes the buyer and then the seller. Buy Murabaha is completed in three stages. These are -
(a) The customer comes to the Islamic bank/finance to purchase the specified product and enters into an agreement with the Islamic bank/finance in this regard. That is, the customer will tell the Islamic bank/finance to purchase a specific product and then the customer will purchase the product from the Islamic bank/finance.
(b) The Islamic bank/finance will purchase the product for the customer itself and bring the product on its own. After purchasing the product, the Islamic bank/finance will have to bear the risk until it reaches the customer. If the Islamic bank/finance does not accept that risk, then the Shariah will be violated in the case of buy murbahat.
(c) The Islamic bank/finance will clearly announce the total selling price of its product by adding its own costs to the purchase price of the product, adding the total costs and profits to the customer, and handing over the product to the customer. The customer will pay the price of the product immediately or within a specified period.
If you cannot pay the price to the Islamic bank/finance within the specified period, the Islamic bank/finance may investigate the reason and fine you. But the amount of this fine will not increase the capital in any way. Again, since the fine amount is questionable from the perspective of Sharia, it will not be included in the bank's income and will go to the welfare fund. In the Buy Murabaha system, the price of the product can be determined only once. It cannot be determined more than once.
For example, an Islamic bank/finance company sets a profit of 1 lakh and tells the customer to pay 11 lakh taka, but there will be no further increase in that 11 lakh taka. But in a bank with interest, the compound interest rate can increase the 11 lakh taka much more.
2. Buy Muazzal: Buy Muazzal is very similar to Buy Murabaha. However, there is a slight difference. And that is that in Buy Muazzal, the Islamic bank/finance company does not tell the customer what the purchase price of the product is and the customer must pay the price determined by the Islamic bank/finance company in the balance. Simply put, Buy Murabaha can be in cash or in the balance and here the customer is aware of how much the profit of the Islamic bank/finance will be. But the buy-back must be in the balance and the customer does not know how much the Islamic bank/finance will make. In buy-back murabaha, the profit of the Islamic bank/finance is fixed but in buy-back muazzal the profit is unknown. Like buy-back murabaha, in buy-back muazzal too, the weakness of the Islamic bank/finance officer and the different intentions of the customer may lead to violation of Shariah.
3. Buy-back salam: Buy-back salam is an advance purchase method. In this method, the Islamic bank/finance pays the customer an advance price for the purchase of the product.