Analysis of Crops and Livestock Loan Disbursement and Recovery Performance of Rupali Bank PLC- A Case Study on HSTU Corporate Branch, Dinajpur

Abstract

Rupali Bank PLC (RBPLC) has taken some steps to alleviate the poverty of the north-west region in Bangladesh. Providing loan in agricultural sector is one of them because the most of the people in the country are directly and indirectly engaged in agriculture. Surprisingly they generate a low income causing low investments and more than one-third of the people live below the poverty line. This study is an endeavor to conduct with the objective of finding why loan recovery performance is lower in relation to loan disbursement. The descriptive research works have been used for analyzing and investigating the empirical data derived from primary and secondary sources related to loan disbursement and recovery performance of crops and livestock of the RBPLC, HSTU Corporate Branch, Dinajpur. In this report it has found that the branch is in ahead of loan disbursement but disbursed loan of this branch being unrecovered and classified due to use of that fund in family private expenses and festival expenses and natural calamity like flood, rain with hail, drought and Covid-19. The study suggests that the branch should be more concentrative on loan recovery performance through awareness and supervision then this branch will be able to expand the socio-economic activities at this region and the country to develop and generate the agro-based industries, self-employment facilities etc.