Investment - Meghna Bank PLC.

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1. Meghna Islamic Home Finance

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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

2. Meghna Islamic Household Investment

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Mode of Investment	Bai-Murabaha Hire Purchase Under Shirkatul Meelk (HPSM)
Purpose	Purchase of any consumer items i.e. Water Purifier, Refrigerator, Audio System, Computer etc. Expenses related to renovation and/or refurbishing of apartment/flat;
Customer Segment	Salaried Individuals & Professionals with minimum 1 year of continuous service. Self-employed Professionals having at least 2 (two) years of independent practice in relevant profession. Businessmen having high net-worth with at least 5 (five) years of continuous operation in relevant line of business. Landlord/Landladies who have sufficient rental income from properties owned by them.
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

3. Meghna Islamic Apon Aloy

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Mode of Investment	Hire Purchase under Shirkatul Meelk (HPSM).
Purpose	Purchase Construction Renovation/extension For single-story tin-roof/tally-roof and brick-walled residential house.
Customer Segment	Salaried Individuals & Professionals with minimum 3 (three) years of continuous service. Self-employed Professionals having at least 3 (three) years of independent practice in relevant profession. Businessmen having at least 3 (three) years of continuous operation in relevant line of business. Landlord/Landladies who have consistent rental income from property owned by them.
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

4. Meghna Islamic Auto Finance

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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	Salaried Individuals & Professionals with minimum three (3) years of total service with minimum six (6) months of continuous service with present employer. Self-employed Professionals have at least three (3) years of independent practice in relevant profession. Businessmen having high net-worth with at least 3 (three) years of continuous operation in relevant line of business/Landlord/Landladies who have sufficient rental income from properties owned by them.
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

5. Bai-Salam

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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.

6. Bank Guarantee

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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	Performance Bond Tender Bid Bond Advanced Payment Guarantee Shipping Guarantee Customs Guarantee Financial Guarantee
Target Group of Customer	Corporate. MSME.
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

7. Earnest Money Finance

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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.

8. Istisna`a Investment

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Area of Istisna’a Financing	For export/manufacturing/construction financing.
Profit Rate	As per Bangladesh Bank Guideline

9. Musharakah Export Finance - Inland

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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.

10. Musharakah (General)

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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 For MSME For any other type or form of business acceptable to the Bank.
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.

11. Post Export Finance - Foreign (PEFF)

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Underlying Shari’ah Principle	Qard & Bai As-Sarf
Eligibility	100% Export oriented Industries/Business Firms
Purpose	To perform the post-export finance under Shariah compliant mode. To meet up the exporters urgent need to run the business smoothly.
Tenure	Matching with the tenor of the export bill.

12. Bai - Murabahah

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Target Client	• Corporate, • CMSME
Purpose	To Support Working Capital requirement of the customers.
Tenure	Maximum 12 months.

13. Wakalah Letter of Credit

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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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