Financial Market Instruments, Loan Overview Bank and Evaluation Health Effects of Micro Health Insurance Placement

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Chapter 02 9

Loan: 9

Classified Loan: 9

Five years Loan Overview: 10

Substandard Loan: 11

Doubtful: 11

Unclassified Loan: 12

Standard: 13

Special Mention A/C: 13

Chapter 03 14

Summarizing:…………………………………………………………………………14

Projects:……………………………………………………………………………….14

Publications:…………………………………………………………………………..15

Introduction…………………………………………………………………………...15

Data and Methodology:………………………………………………………………16

Dependent Variables:………………………………………………………………...16

Health Awareness:……………………………………………………………………16

Utilization of Formal (Modern) Health Care:………………………………………...17

Health Status:…………………………………………………………………………17

Report Findings:………………………………………………………………………18

Descriptive Statistics:…………………………………………………………………18

Utilization of formal (modern) healthcare:…………………………………………...18

Multivariate analysis:…………………………………………………………………18

Report Discussion:……………………………………………………………………19

Chapter- 04 20

Recommendation:…………………………………………………………………….20

Conclusions:………………………………………………………………………….20

Appendix: ……...……………………….……………………………………………21

References: ..................................................................................................................22

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Executive Summary

For this project, we have chosen three different topics. They are Financial Market Instruments, another one Classified & Unclassified Loan Overview The Bank and Evaluating The Health Effects of Micro Health Insurance Placement.

The financial markets channel savings to those individuals and institutions needing more funds for spending than are provided by their current incomes. The financial markets make possible the exchange of current income for future income and the transformation of savings into investment so that production, employment, and income can grow. Financial institutions have traditionally been the major source of long-term funds for the economy in line with the development objective of the state. There are both general markets (where many commodities are traded) and specialized markets (where only one commodity is traded). Markets work by placing many interested buyers and sellers, including households, firms, and government agencies, in one "place", thus making it easier for them to find each other. An economy which relies primarily on interactions between buyers and sellers to allocate resources is known as a market economy in contrast either to a command economy or to a non-market economy such as a gift economy.

The act of giving money, property or other material goods to another party in exchange for future repayment of the principal amount along with interest or other finance charges. A loan may be for a specific, one-time amount or can be available as open-ended credit up to a specified ceiling amount. Loans can come from individuals, corporations, financial institutions and governments. They are a way to grow the overall money supply in an economy as well as open up competition, introduce new products and expand business operations. Loans are a primary source of revenue for many financial institutions such as banks, as well as some retailers through the use of credit facilities. From classified loan in all Bank 2004 to 2008 five year calculation we can say classified loan in 2005 higher than in 2004 and 2004 higher than 2008, 2007 & 2006. We can say that classified loan decrease in after 2005 years to day by day because Public commercial Bank and SBs Bank decrease in yearly basis to classified loan. We also calculation in all bank classified and unclassified loan in 2011 year.

Micro insurance Research Unit (MRU) is piloting an innovative Micro Health Insurance (MHI) scheme in Bangladesh. This has been dubbed “Niramoy”. The annual per capita premium for the product has been set at BDT 380. Unlike formal health insurance, household is the unit of enrolment. A household needs to be an active member of any Samity of the designated partner MFIs. The implementation design calls for the inclusion of a significant number of eligible households from each Sanity and the purchase of insurance compulsorily by all members of the household with five or fewer persons. Over the 12-month period, a maximum of five outpatient visits have been set for a household with four and five members, three visits for a household with two or three members, six visits for a household with six or seven members, seven for a household with seven or eight members and eight visits for a household with more than eight members. Each eligible household is entitled to receive one complete maternal care including four ANCs, delivery (normal or C-Section), two PNCs and newborn care. Note that a household

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