Small Business Investment Scheme (SBIS)

 To help the educated unemployed youths of rural and urban areas for self-employment.To provide investment to small businessmen and entrepreneurs.

Target Group

Jobless young people/Small Trader/Small & Cottage Industries/Service Holder.

Nature of Goods / Items

Dairy / Beef Fattening / Fishery / Poultry & Duckery / Other Live Stock Farming / Workshop / Furniture / Bakery / Library / Small Restaurant / Laundry / Computer for commercial use & Training / Photostat Machine / Tailoring / Garments / Sweetmeat / Grocery / Stationery / Confectionery / Medicine / Mobile Servicing / Electrical & Electronics / Retailing of Meat / Vegetables / Fishes / Shoes / Cloths / Fruits etc.

Mode of Investment

Bai-Murabaha/Bai-Murabaha TR/Bai-Muajjal / HPSM (Considering the items)

i. Bai-Murabaha/Bai-Murabaha TR/Bai-Muajjal -Maximum 1-year &
ii. HPSM- 3-years excluding gestation period.

Rate of Return

9.00% or the rate to be determined by the Bank from time to time.

Amount of Investment

Maximum Tk. 0.30 million without collateral & up to Tk.1.00 million with collateral.

Bank's Participation

Investment equity ratio 80:20

Immovable Properties above Tk.0.30 million + Hypothication of Macineries / Lien on Liquid Securities + PG/Inv. Against PG must ensure proper supervision & follow-up to recovery in all respect.

Application Form shall have to be collected from nearest Branch of Islami Bank Bangladesh Ltd.

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