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| Mode of Investment | Hire Purchase under Shirkatul Meelk (HPSM). |
| Purpose | a. Purchase/Construction of residential apartments under individual ownership. b. Purchase/Construction of residential building under personal Entity/ownership c. Renovation of apartment/Renovation and extension of residential building. d. Takeover of principal from any other Islamic or Conventional Bank / NBFI, observing Shari’ah guidelines. |
| Customer Segment | Permanent Employees, Self Employed Professional, Businessmen, Land Lord and Wage Earners. |
| Investment Limit | Minimum : BDT 5,00,000/- and Maximum : BDT 2,00,00,000/- |
| Investment Equity Ratio | Maximum for General Customers : 70:30 Minimum for NRB Customers : 75:25 |
| Investment Period | Minimum 12 Months |
| Rent & Other Charges | As per Schedule of Charges |
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| Mode of Investment |
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| Purpose |
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| Customer Segment |
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| Investment Limit | Minimum BDT 50,000/- and Maximum BDT 500,000/-. |
| Investment Tenure | Minimum 2 (two) years and Maximum 5 (five) years. |
| Investment to Price Ratio | Maximum 30% |
| Rent & Other Charges | As per Schedule of Charges |
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| Mode of Investment | Hire Purchase under Shirkatul Meelk (HPSM). |
| Purpose |
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| Customer Segment |
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| Investment Limit | Minimum - BDT 5 Lac & Maximum - BDT 25 Lac. |
| Investment Tenure | Minimum - 5 (five) Years & Maximum -15 (fifteen) Years. |
| Investment to value (ITV) Ratio | 70% |
| Rent & Other Charges | As per Schedule of Charges |
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| Mode of Investment | Hire Purchase under Shirkatul Meelk (HPSM). |
| Purpose | To purchase of brand new or reconditioned automobiles for personal use only. |
| Customer Segment |
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| Investment Limit | Minimum - BDT 5,00,000/- & Maximum - BDT 40,00,000/- |
| Investment Tenure | Minimum - 24 (twenty-four) Months & Maximum - 60 (sixty) Months. |
| Investment to value (ITV) Ratio | Maximum ITV 50% value of the vehicle or 40 lac. |
| Rent & Other Charges | As per Schedule of Charges |
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| Mode of Investment | Bai-Salam (Advance Purchase) |
| Purpose | Working capital finance, including but not limited to making payment for purchasing of raw material, salary and wages, utility bills, Duty/VAT/Tax, selling, distribution, marketing and other costs. |
| Target Customers | • Corporate • SME • Individual/group farmers. • Manufacturing • Export Business |
| Tenor | • Maximum 12 months. • For agriculture sector, the tenure may be extended up to 3 months. |
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| Shari'ah Principle | Kafalah |
| Facility Nature | Regular/Revolving and Specific. |
| Purpose | For participating in tender/supply order invited by Govt./Semi-Govt./ Autonomous Bodies. |
| Category of Bank Guarantee |
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| Target Group of Customer |
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| Bank Guarantee Size / Limit | Size / Limit will be fixed up on case to case basis considering customers requirement & worthiness. |
| Margin for Bank Guarantee | Cash/MTDR |
| Bank Guarantee Service Charge & Commission | As per Schedule of Charges |
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| Mode of the Finance | Qard |
| Purpose |
For issuance of Payment order (PO) on behalf of the customer involved in the construction or other civil works to submit bid in a tender invited by different government/ semi government organizations. |
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| Area of Istisna’a Financing | For export/manufacturing/construction financing. |
| Profit Rate | As per Bangladesh Bank Guideline |
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| Underlying Shari’ah Principle |
Musharakah |
| Eligibility of the Customer |
Customer’s eligibility will be determined/assessed as per the guidelines of Bangladesh Bank and internal investment (credit) policy of MGBL. |
| Purpose | To provide financing facility to the Exporters/Deemed Exporters/Sellers to execute export orders. |
| Tenor | As per Bangladesh Bank Guideline as well as Meghna Bank Policy of the Conventional part. |
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| Mode of Investment | Musharakah |
| Equity Sharing Ration (ESR) | To be determined by the ALCO from time to time. |
| Customer Segment |
For Corporate |
| Disbursement Mode | Disbursement will be made in the customer's CASA account as and when requested by debit of Musharakah Investment Account. |
| Tenure |
To be decided by the concerned division of the bank case to case basis |
| Profit Sharing Ratio (PSR) | RM will consider the expected rate of return (ERR) of the bank and expected profit of the customer from each deal/consignment/transaction at the time of setting the profit sharing ratio (PSR) of the Musharakah Investment. The RM will refer (as internal calculation) ERR to fix a possible competitive profit sharing ratio for both the bank & customer. |
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| Underlying Shari’ah Principle | Qard & Bai As-Sarf |
| Eligibility | 100% Export oriented Industries/Business Firms |
| Purpose |
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| Tenure | Matching with the tenor of the export bill. |
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| Target Client | • Corporate, • CMSME |
| Purpose | To Support Working Capital requirement of the customers. |
| Tenure | Maximum 12 months. |
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| Mode of Finance | Wakalah |
| Customer/ Target Group | • Corporate • MSME |
| Items of Import | Must fall within the purview of the import policy of the Government and permitted under Islamic Shari’ah. |
| Currency | Foreign L/C: Foreign Currency [USD, EURO or other acceptable Foreign Currency] Local L/C: BDT |
| Commission and Profit Rate (Rate of Return) | As per Schedule of Charges. |
| Tenor | 90 days, 180 days & 360 days (Extendable) |
| Margin | Cash/MTDR |
| Charges & Expenses | As per Schedule of Charges |
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