Bangladesh Army University of Science and Technology

Faculty of Business Studies (Italic)

Department of Business Administration (Italic)
(18 font, Center Alignment, Times New Roman)

An Internship Report
on
A Qualitative Study OF Green HRM Practices and Their Benefits in AB Bank
Limited: A Study on Thakurgaon Branch (Front 14, TNR, Bold, Central Alignment)

This Internship report is submitted for the partial fulfillment of the requirement for the degree of
Bachelor of Business Administration (BBA) of Bangladesh Army University of Science and
Technology (BAUST) (Font 12, times New Roman, Italic, Center alignment)

Name: Mahafuzul Haque

ID: 180211046
BBA (Major in Finance)
Bangladesh Army University of Science and Technology (BAUST), Saidpur
(Font 14, times New Roman, Center alignment)

Semester: Summer, 2022

Date of Submission:
(Font 14, Times New Roman, Center alignment, Bold)
 An Internship Report
On
A Qualitative Study OF Green HRM Practices and Their
Benefits in AB Bank Limited: A Study on Thakurgaon
Branch (18 font, Center Alignment, Times New Roman)

Supervised By:
Zaber Hossain, Assistant Professor
Department of Business Administration
Bangladesh Army University of Science and Technology, Saidpur.
Submitted By:
Name: Shapla Sarmin
ID: 180211082
Program: BBA (Major in Finance)
Bangladesh Army University of Science and Technology, Saidpur.
Submitted To:
Department of Business Administration (Italic)
Faculty of Business Studies (Italic)
Bangladesh Army University of Science and Technology

Date of Submission:
 Letter of Transmittal
(For the Academic Supervisor)

10 April, 2022 (Date of Submission)

To
Mukta Khatun
Lecturer
Department of Business Administration
Faculty of Business Studies
Bangladesh Army University of Science and Technology

Subject: Submission of Internship Report on " A Qualitative Study OF Green HRM Practices
and Their Benefits in AB Bank Limited: A Study on Thakurgaon Branch”.

Dear Sir,
With due respect, it is stated that I am submitting my internship report on “Loan Disbursement
and Recovery Policy of Social Islami Bank Limited: A Study on Saidpur Branch”, which has
been prepared as per requirement for obtaining the degree of Bachelor of Business
Administration (BBA) offered by Bangladesh Army University of Science and Technology,
Saidpur, Bangladesh. It was a pleasure experience on my part to go through the process that
reaffirms my classroom knowledge into practice. Despite my insufficient knowledge, I hope the
internship report has attained its purpose to a considerable extent.
Please find enclosed here with one copy of internship report for your perusal and kind consideration. It
will be pleasure to me if you kindly accept my Internship report.
Thanking you for your valuable advice and co-operation.

Sincerely yours.

Most. Hafiza Akter

ID No.: 180211068
BBA (Major in Management)
Department of Business Administration
Bangladesh Army University of Science and Technology
Saidpur, Bangladesh
 Supervisor’s Approval

It is my immense pleasure to certify that Md. Joadul Islam bearing ID No. 180211069 student of
Bachelor of Business Administration of Bangladesh Army University of Science and
Technology, Saidpur, has successfully completed the internship report entitled “A Qualitative
Study OF Green HRM practices and Their Benefits in AB Bank Limited: A Study on
Thakurgaon Branch”.

It is her own performance, not joined work and she has completed this work under my direct
supervision and guidance. I also certify no part of this report has been submitted for the award of
any other degree, diploma, fellowship or any other similar titles or prizes and the work has not
been published in any journal or magazine.

I also certify that I have gone through the report thoroughly and found it satisfactory for
submission to Bangladesh Army University of Science and Technology, Saidpur, in fulfillment
of the requirements for the Bachelor of Business Administration.

Supervisor

……………..

Md. Anowar Hossain, Lecturer

Department of Business Administration
Bangladesh Army University of Science and Technology,
Saidpur.
 Acknowledgement

I am grateful to many individuals for the completion of the report successfully.

First of all, I would like to offer my heartiest thanks to Almighty to complete my internship
period and to prepare this report without facing noteworthy trouble.
Then, I would like to take the opportunity to express my heartfelt gratitude to my honorable
supervisor, Md. Rakibul Islam, Assistant Professor, Department of Business Administration,
Bangladesh Army University of Science and Technology, Saidpur for his expert supervision,
constant guidance, and inspiration during the preparation of the report.
I would like to convey my sincere gratitude to my organizational supervisor Md. Belayet
Hossain, Relationship Manager & Assistant Vice President and Md. Monir Hossen, First
Assistant Vice President & Operations Manager of SIBL Bank, Saidpur branch, who helped me a
lot by providing all the necessary internal information about SIBL bank, Saidpur branch.
Furthermore, I want to thank all the concerning officials of the organization for furnishing me
with all the vital information and advice.
I am also thankful to my peer colleagues for providing important documents and their supports,
which has helped me a lot in preparing this report. I am heartily apologizing of any omitted name
whose contribution was also complimentary for any possible aspect.

There might be some mistakes for my limited knowledge and scarcity of time though I had no
lack of wish to do that, I hope that readers of this report will consider it with kind heart.

………………...

Aditto Ghosh
ID No.: 180111031
BBA (Major in Management)
Department of Business Administration
Bangladesh Army University of Science and Technology
Saidpur, Bangladesh
 Executive Summary

Subjects to be discussed here- Overall Summary of the report such as: Scope of the study, brief
description of important chapters, findings etc.

Social Islam Bank Limited (SIBL) was incorporated on the 5th July 1995, as a result of dedicated
efforts of a group of established Bangladeshi entrepreneurs and internationally reputed
personalities. The bank started commercial operation on the 22nd November 1995 and it has since
stepped into 13th year of its journey.
In the first chapter, I discussed about the introduction of the report, background of the report,
origin of the study, objectives of the study, methodology, and sources of information and
limitations of the report etc.
In the second chapter, I discussed about the overview of the SIBL Bank Limited. Such as
company' background, history of the organization, present condition of the bank, responsibility
to the customers, responsibility to the community, ethics of social responsibility, vision and
mission of the bank, briefing about. The shariah board, management system, hierarchy of SIBL
bank limited, marketing operation, social commitment, overview of Saidpur branch,
management hierarchy of Saidpur branch.
In the third chapter, I explained synopsis of my learning during internship period at SIBL bank
Limited with focusing on the nature of my assigned job, the process of performing my assigned
job as well as the chance to apply my academic knowledge in my job.
In the fourth chapter, I discussed about the conceptual part of the report that is the “Investment
Disbursement and Recovery of SIBL Bank” such as what are the main mechanism of
investment, what is the basis different between Islamic invest and regular interest based
banking investment, which are the focused investment area of the SIBL Bank, short
explanation of each modes of investment such as what is Bai-Muajjal, what is Mudaraba, what
is Bai-Salam, what is Ijara, what is Quard etc.
In the fifth chapter I mention Income on different modes of investment in Saidpur Branch and
deposit, investment and profit of SIBL Bank at 2015, 2011 and 2012 it represent financial data
analysis of the report based on the study. In the last chapter it concerned about the findings,
recommendation and conclusion of the report.
 Table of Contents
Contents Page No
Letter of Transmittal………………………………………………………………………. 1
Supervisor’s Approval…………………………………………………………….. 2
Acknowledgement………………………………………………………………………… 3
Executive Summary ………………………………………………………………………. 4
Chapter One: Introduction
1.1 Origin of the Report………………………………………………………………….. 5
1.2 Objectives of the Study………………………………………………………………. 6
1.3 Scope of the Study…………………………………………………………………… 7
1.4 Methodology…………………………………………………………………………. 8
1.5 Limitations…………………………………………………………………………… 9

Chapter Two: An Overview of SIBL

2.1 Introduction………………………………………………………………………….. 10
2.2 Mission of SIBL……………………………………………………………………… 11
2.3 Vision of SIBL ………………………………………………………………………. 12
2.4 Objective of SIBL …………………………………………………………………… 13
2.5 Functions of SIBL……………………………………………………………………. 14
Chapter Three: Description of Job Done During Internship Period(
3.1 Nature of the Assigned Job………………………………………………………….. 15
3.2 Process of Performing the Assigned Job……………………………………………. 16
3.3 Opportunity to Apply Theoretical Knowledge in the Performed Job……………….. 17
3.4 Synopsis of the Overall Learning from Internship………………………………….. 18

Chapter Four: Loan Disbursement and Recovery Policy SIBL

4.1 Introduction…………………………………………………………………………. 19
4.2 What is loan…………………………………………………………………………. 20
4.3 What is disbursement……………………………………………………………….. 21
4.4 Recovery policy…………………………………………………………………….. 22
 Chapter Five: Loan Disbursement and Recovery Analysis
5.1 Loan analysis………………………………………………………………………… 23
5.2 Disbursement analysis ………………………………………………………………. 24
5.3 Recovery Analysis…………………………………………………………………… 25
5.4 Comparative loan disbursement analysis……………………………………………. 26

Chapter Six: Findings, Recommendations And Conclusion

6.1 Findings……………………………………………………………………………. 27
6.2 Recommendations…………………………………………………………………. 28
6.3 Conclusion…………………………………………………………………………. 29
 Bibliography
 Appendix

Specific writing instruction is given in the below under the heading of each chapter.

Chapter One: Introduction

(You should include the scope of your study emphasizing on the necessity of internship, objectives,
methodology and limitation of the study).

Chapter Two: An Overview of SIBL/Organization

(Your report should include a relevant history of the organization. Include information like the date it was
founded, the business’s purpose or mission statement, the types of tasks the company completes daily and
any other relevant details. Context gives the reader a clearer understanding of your organization and its
area of operations).

Chapter Three: Description of Job Done during Internship Period

(In this portion of your internship report, you will describe the specific things you learned and the skills
you cultivated. Relate these skills back to your educational experiences. Detail specific experiences
within the organization that contributed to your development).
 Chapter Four: Loan Disbursement and Recovery Policy SIBL/Conceptual
Framework

(Here, you are guided to write down the conceptual framework of your report. More specifically, you
need to add clear description of your internship topic and its related theoretical grounds).

Chapter Five: Loan Disbursement and Recovery Analysis/Statistical Analysis

(Representation and description of statistical analysis should be attached here along with focusing on
descriptive and inferential statistics).

Chapter Six: Findings, Recommendations and Conclusion

(You have to specify the outcomes of statistical analysis briefly. On the basis of mentioned findings, you
need to recommend suggestions to solve organizational problems which you faced during internship or to
improve current status of the organization and finally you need to conclude your report writing).

BIBLIOGRAPHY

Bony, S. Z., & Kabir, F. (2013). Practice of e-banking in commercial bank: An empirical
study in Bangladesh. International Journal of Business and Social Research, 3(5), 168.
Chaffey, D. (2007).E-business and e-commerce management (3rd Ed.). Harlow, England: FT
Prentice Hall.
Daniel, P. S. (2011). Research methodology. London: Gyan Publishing House.
E-commerce - Wikipedia. (n.d.). Retrieved January 21, 2017, from htps://[Link].
org/wiki/E-commerce
Ghosh, S. (1998). Making business sense of the internet. Harvard Business Review, 76(2),
127-135.
Islam, M. S. (2013). Mobile banking: An emerging issue in Bangladesh. ASA University Review,
7(1), 123-130.
Mohapatra, S. (2013).E-Commerce Strategy: Text and Cases. New York, NY: Springer.
Nemat, R. (2011). Taking a look at different types of e-commerce. World Applied
Programming, 1(2).
Robson, W. (1997).Strategic management & information systems: An integrated
approach. London: Pitman Publishing.
Tassabehji, R. (2003). Applying e-commerce in business. London: Sage.
Zaman, F., & Choudhury, P. (2012). Technology driven banking in Bangladesh: Present
status, future prospects and challenges. BUP Journal, 1(1), 56 - 78.

Appendix-1
Appendix-2