Investment Schemes
Bai – Murabaha M...
Bai-Murabaha Micro Investment :
These are repayable within 12 months in the form of daily installments with profit. If a small trader takes the above Investment amount of Taka 10,000.00 and invest it in his/her business, he/she will be require to repay daily Taka 100.00 / 80.00/ 60.00/ 50.00/ 40.00 (which he/she prefers) out of the profit of his/her sale proceeds. This repayment will be collected by the Bank’s Personnel directly from his/her trading place/door step. In this process, the entire investment is repaid in 132 days through 107 installments/ 168 days through 136 installments/ 232 days through 188 installments/ 286 days through 232 installments/ 373 days through 303 installments/. The advantages are that it is not required to repay the entire investment at a time. As a process, the Investor does not face any difficulty to repay the investment and thus investment becomes his/her own investment. In this connection a number of members of small traders of our society are being benefited through this investment process.
Terms and conditions:
-Small traders, dependent on profit of daily sales, may have the opportunity of Bai-Murabaha Micro Investment.
-Any Bangladeshi citizen living in the jurisdiction of any branch of DMCBL for at best 03 years may avail of Bank’s Investment.
- For get the investment facility any persons first time to become a member of DMCBL. To become a member of DMCBL initially he/she will pay Tk.250.00 as a membership fee and buy share Tk. 100.00 per share
-The person who wants to get the Investment facility from Bank open a Mudaraba Savings Account with us and minimum deposit of Tk. 50.00 on daily basis for a period of 30 days in his account.
-He/she also open a Mudaraba MSP Account for a period of 5 or 10 years and to deposit on monthly basis.
-At the time of investment the Investee deposit 10% amount of the investment amount in his/her Savings Account as Lien.
-10% money against loan amount must be deposited in his saving account as lien.
- Evert time when Investee takes the facility of investment he/she will pay Tk.50.00 for loan form and Tk.50.00 for creation of charge documents. Stamp charges for other documents also bear by the Investeevery time when receiving the loan the loanee must pay Tk.50 for loan form and Tk.50 for charge document. Stamp expenses for other documents will also be borne by the loanee.
Installments and Limits of Bai-Murabaha Micro Investment :
|
Investment limit |
Amount of Installment
|
No. of Installments
|
Duration (days) |
| Any amount |
1%
of principal amount
|
107
|
132
|
| TK. 50,000 and above |
0.8%
of principal amount
|
136
|
168
|
| TK. 75,000 and above |
0.7%
of principal amount
|
158
|
194
|
|
TK. 1,00,000 and above
|
0.6%
of principal amount
|
188
|
232
|
| TK. 3,00,000 and above |
0.5%
of principal amount
|
232
|
286
|
| TK. 4,00,000 and above |
0.45%
of principal amount
|
263
|
324
|
| TK. 5,00,000 and above |
0.4%
of principal amount
|
303
|
373
|
| TK. 5,00,000 and above |
0.35%
of principal amount
|
358
|
442
|
| TK. 10,00,000 and above |
0.3%
of principal amount
|
437
|
538
|
| TK. 10,00,000 and above |
0.25%
of principal amount
|
562
|
693
|
| TK. 10,00,000 and above |
0.20%
of principal amount
|
786
|
970
|
Hire Purchase Shir...
Terms and conditions For for above Investment:
- Any Bangladeshi citizen living in the jurisdiction of any branch of DMCBL for at best 03 years may avail of Bank’s Investment.
- The person who wants to get the Investment facility from Bank open a Mudaraba Savings Account with us and minimum deposit of Tk. 25.00 on daily basis for a period of 15 days in his account
- For get the investment facility any persons first time to become a member of DMCBL. To become a member of DMCBL initially he/she will pay Tk.250.00 as a membership fee and buy share Tk. 100.00 per share.
- The Bank shall buy the Rickshaw and then handover it.
Duration of this type of investment is 292 days and within this period the investee shall pay 236 installments.
The amount of investment of Tk. 8,000.00 and Daily Installment of Tk 40.00 and vice versa.
- The Investee need 02 (two) passport size photograph and 02 (two) Guarantor. He also open a Mudaraba Savings Account for a period of 05 (five) years with monthly installment Tk. 100.00 .
- Every time when Investee takes the facility of investment he/she will pay Tk.25.00 for loan form and Tk.25.00 for creation of charge documents. Stamp charges for other documents also bear by the Investee.
|
Investment Amount
|
Amount of Installment
|
No. of Installments
|
Duration (days) |
|
Tk. 8000/- or above
|
0.5% of principal amount |
232
|
286
|
Others Investment...
Bai-Muazzal Consumer's Investment :
Bai – Muajjal Consumer’s Investment are meant for people of fixed income group i.e. Service Holder. The above investment is repayable within one to two years depending upon the Inveatee’s capacity/position.
Bai – Murabaha SOD Investment :
The above investment are allowed against Mudaraba Term Deposit Receipts and Mudaraba Special Savings Scheme etc. In this case, investment constitutes up to a maximum of the 80% of the deposits amount and is realized on monthly installment basis.
Bai – Murabaha General Investment:
Many skilled workers, small traders are not able to procure investments/loans from scheduled bank for paucity of securities. Considering their locus standing and reputation, they are extended investments without securities to help them to be self sufficient. Investees are not required to waste extra time for having investments. They are also not required to come to office to repay the investments. Rather the personnel’s of the bank collect the installments from their door step on daily, weekly or monthly basis.
For more anybody may step in any of our branch offices and enjoy our co-operation and services.
