One of the
fundamental rights of every man is to receive necessary
medicare facilities. Majority of our people are
denied and deprived of this right and a large number
of our children are illfed and suffer from malnutrition
and ill health. Subsequently they become victims
of various diseases due to lack of education and
knowledge about health care and preventive measures.
Medicare facilities as a whole are very limited
in the country. Although medical facilities are
available to some extent in the cities and towns,
majority of the people of the rural area die without
medicare and treatment after prolong sufferings
from various disease.
A good number or newly graduated doctors from Medical
Colleges are unemployed. Many of the medical graduates
are waiting for job because the opportunity for
Government service is limited. If these young doctors
could be self-employed by extending investment facilities,
they could make modern medical facilities available
at the door-steps of rural people.
Besides, experienced and specialist physicians who
are providing medicare facilities to the people
in different towns with their limited and outdated
medical equipment will be able to improve the standard
of their techniques of treatment and also make the
modern treatment facilities available to more people,
if investment facilities are extended to them for
procurement of modern and improved medical equipment.
The constitution of Bangladesh has made it obligatory
to ensure good health for all and the government
is also committed to ensure good health for all
by 2000 years.
In view of the above facts, Islami Bank Bangladesh
Limited has taken the initiative an introduced the
"Doctors Investment Scheme" to ensure modern treatment
and medical facilities available to the people through
extension of Bank's investment facilities for self-employment
of newly graduated doctors and at the same time
extending investment facilities to the established
medical practitioners to procure modern and sophisticated
medical equipment.
Objectives
1.
To provide investment facilities for establishment
of chambers, clinics, pharmacies and procurement
of medical equipment by the unemployed medical
graduates and thus to provide self- employment.
2.
To assist newly passed unemployed medical
graduates to establish clinics by way of formation
of groups by 5 doctors.
3.
To assist experienced and established physicians
to procure improved and modern medical equipment
and thus to improve the standard and techniques
of treatment.
4.
To assist specialists and consultant physicians
to procure specialised medical equipment for extending
improved treatment to the people.
Eligibility
Criteria
1.
Newly passed medical graduates who are
willing to establish chambers, pharmacies and
small clinics in district and Thana level towns.
2.
Experienced and established doctors who
are settled in district and other towns but can
not procure modern medical equipment to improve
their techniques of treatment.
3.
Specialised and consultant physicians who
are willing to procure latest and specialised
type of medical equipment.
4.
Newly passed medical graduates who are willing to
form groups in order to establish clinic.
5.
Priority is given to specialists and consultant
physicians like dentists, child specialists, ophthalmologists
etc.
Purpose
of Investment
1.
Establishment cost of Chambers, Pharmacies
& Clinics. Procurement of medical equipment
and purchase of Motor Cycle for visiting patients
in rural areas- in case of newly passed medical
graduates willing to settle in district and Thana
towns under self-employment.
2.
Procurement of modern medical equipment
by experienced and established doctors.
3.
Procurement of modern and sophisticated
medical equipment and appliances by specialists
and consultant physicians.
4.
Cost of establishment of clinics, purchase
of machinery, equipment, accessories and other
goods in case of establishment of clinics by a
group of doctors.
Investment
Ceiling and Period
Category Maximum
Ceiling Maximum
Period
1.
Self employed doctors settled
Tk. 5.00 Lacs
5 years
in
district town
2.
Self employed doctors settled
Tk. 5.00 Lacs
5 years
in
Thana towns
3.
Specialists/Consultant physicians
Tk. 10.00 Lacs 5 years
for
modern and sophisticated
medical
equipment
4.
Newly graduate unemployed Doctors Tk.
5 lacs to every doctor and 5
years
Group
for establishment of clinics,
maximum Tk. 25 lacs to a group
Purchase
of machinery, equipment,
of 5 doctors
accessories
and other goods.
Established clinics run by experienced doctors, willing to expand and improve
the standard of their existing medicare facilities
by way of procurement of modern medical equipment,
machinery, accessories etc. are allowed investment
facilities on easy terms and conditions. In such
cases, the amount on investment is ascertained
considering the location of the clinic, its reputation,
efficiency of the entrepreneurs. The maximum period
of investment is 4 years.
In case of specialists and consultant physicians like Dentists, Ophthalmologists,
Child Specialists etc. The amount of investment
will be double of the normal ceiling. In case
of self-employment of newly passed unemployed
medical graduates, special rebate will be allowed
if the Bank's investment and other payables thereof
are paid within the due period or earlier.
Mode
of Investment
q
Hire Purchase Shirkatul Melk : For
purchase/procurement of medical equipment
and
appliances, motor cycle and other items.
q
Bai-Muajjal
: For
establishment of Chambers, Clinics and
purchase
of medicines etc.
Equity
q
Newly graduated doctors under self-employment scheme
:
10%
q
Established doctors
:
20%
q
Established Clinics
:
30%
Security
1.
The ownership of the medical equipment, appliances etc. and the motor
cycle supplied by the bank on Hire Purchase-Shirkatul
Melk basis, shall remain with the bank.
2.
Against Bank's investment, the clients shall have to mortgage property
at least equal to the value of investment by the
Bank. However, in case of investment (other than
clinic) for self-employment of the newly graduated
doctors the condition of mortgage of property
may be relaxed, if they are unable to offer mortgage
of property as security against investment. The
investment clients shall have to provide personal
guarantee of person(s) acceptable to the bank,
in such cases.
3.
Original copy of the graduation and post-graduation certificates shall
have to be deposited with the bank, in case of
investments for self-employment of unemployed
doctors.
Mode
of Repayment
q
Investment of the Bank is to be repaid on monthly instalment basis.
q
Re-payment of the 1st instalment will start after three months
from the date of investment.
q
If any investment client under the scheme fails to pay back three consecutive
instalments without satisfactory reasons acceptable
to the bank for such failure, the bank may take
possession and control of the machinery and equipment
etc. supplied by the Bank.
Application
and Sanction
Interested medical graduates shall have to apply in prescribed form through
the nearest branch of the Bank. Bank will accord
sanction of the investment if the proposal is
found viable and acceptable to the bank after
examination of its feasibility. |
a name you can always trust
