ADVANCE WORKING REPORT ON LOAN MANAGEMENT PROCESS OF NATIONAL HOUSING FINANCE & INVESTMENT LTD: Operational Department

Abstract

Housing is a vital concern for Bangladesh. A large number of people is incapable of having habitable shelters with minimum services due to poverty or insufficient income in relation to high cost of housing. In addition to government’s earlier effort, many non-government organizations and corporate business organizations have emerged in order to meet the housing demand of the country. Among these organization, NGOs provide small home loans in terms of micro-credit to the poor, whereas private housing finance institutions provide home loans to middle to high income group. These housing finance institutions are currently facing many challenges regarding raising low cost funds, high competition, risky environment for investment, and improper government policies. Internal management inefficiencies due to inefficient supply of skilled and trained human resources cause addition hurdle for these organizations to operate profitably.