AGRICULTURAL CREDIT AND CUSTOMER SATISFACTION: A CASE STUDY ON DACOPE BRANCH OF BANGLADESH KRISHI BANK

Authors

  • Md. Anisur Rahman Hua Xiang Jute Products Co. Ltd., Mongla Export Processing Zone, Bagerhat 9351, Bangladesh
  • Nurun Naher Moni Economics Discipline, Khulna University, Khulna9208, Bangladesh
  • Farjana Jerin Economics Discipline, Khulna University, Khulna9208, Bangladesh

DOI:

https://doi.org/10.53808/KUS.2016.13.1.160`1-S

Keywords:

Agricultural credit, credit performance, customer, satisfaction.

Abstract

This study measures performance of agricultural credit of Bangladesh Krishi Bank (Bangladesh Agricultural Bank) at Dacope upazila based on credit data for two years and measures customers’ satisfaction. Credit target, disbursement, recovery and outstanding loans have been examined to determine bank’s credit performance. Customer’s opinion and rating values are analyzed to depict their satisfaction by randomly selecting 40 customers of the branch. Overall credit performance such as credit disbursement, recovery and outstanding loan of the bank is poor during financial year 2013-2014 compared to financial year 2012-2013. The customers are all male, about half of them are doing banking for only five to ten years. The most important barrier for getting bank credit has been revealed as the availability of supporting documents for granting loans. The overall customer satisfaction is 3.36 on Likert scale which is closer to neutral level. The study concludes that the bank should improve the system of loan processing and relaxing collateral requirement as well as providing better services with target of new prospective customers.

Downloads

Download data is not yet available.

References

Abedullah, N.M.; Khalid, M. and Kouser, S. 2009. The role of agricultural credit in the growth of livestock sector: A case study of Faisalabad. Pakistan Veterinary Journal 29(2): 81-84

Afroz, N.N. 2012. Agri-business financing in Bangladesh: A case study on Bangladesh Krishi Bank. European Journal of Business and Management 4(21): 19-22.

Banglapedia. 2012. Banglapedia, National Encyclopedia of Bangladesh. Asiatic Society of Bangladesh Retrieved on November 23, 2014. Web (URL) address:http://www.banglapedia.org/HT/D_0002.htm

BKB. 2013. Annual Report 2013, Bangladesh Krishi Bank, Dhaka

Easingwood, C.J. and Storey, C.D. 1993. Marketplace success factors for new financial services. Journal of Services Marketing 7 (1):41-54

Islam, N. and Ahmed, E. 2005. A measurement of customer service quality of banks in Dhaka city of Bangladesh. South Asian Journal of Management 12(1):12

Jahiruddin, A.T.M., and Haque, R. 2009. Bank selection criteria of retail customers in Bangladesh: A study on Khulna city. Journal of Business and Management 15(2): 164

Kandampully, J. and Duddy, R. 1999. Competitive advantage through anticipation, innovation and relationships. Management Decision 37 (1): 51-56

Khondaker, M.S. and Zaman, M.M. 2011. Customer satisfaction measurement for the stateowned banks in the developing countries-The case of Bangladesh. Journal of Business and Policy Research 6 (2): 153-172

Nupur, J.M. 2010. E-banking and customers’ satisfaction in Bangladesh: An Analysis. International Review of Business Research Papers 6(4): 145-156

Rahman, M.W.; Luo, J.C. and Cheng, E.J. 2011. Policies and performances of agricultural/rural credit in Bangladesh: What is the influence on agricultural production? African Journal of Agricultural Research 6(31): 6440-6452

Downloads

Published

27-05-2016

How to Cite

[1]
M. A. . Rahman, N. N. . Moni, and F. Jerin, “AGRICULTURAL CREDIT AND CUSTOMER SATISFACTION: A CASE STUDY ON DACOPE BRANCH OF BANGLADESH KRISHI BANK”, Khulna Univ. Stud., pp. 143–152, May 2016.

Issue

Section

Social Sciences

Similar Articles

1 2 3 4 5 6 7 8 9 10 > >> 

You may also start an advanced similarity search for this article.

Most read articles by the same author(s)