final sjibl 10-10-11

Chapter-1

Introduction

“Employee Job Satisfaction of Shahjalal Islami Bank Limited (SJIBL): A Study on Khulna Branch.”

Introduction

1.1. Introduction

With the opening up of the economy of Bangladesh, a dramatic change has been

observed both in manufacturing and in service sectors. This has brought higher

employment opportunities, increases in income level, and changes in consumption

pattern and consequently there emerges a competitive environment in the country.

Specifically, the expansion of Banking and Insurance business, along with customized

services, has created a severe implied competition in this sector. The scenario has

created an urge to the bank policy makers to identify the underlying reasons and

brought them into consideration the job satisfaction issue. It will investigate that

employee of Sonali Bank Limited, National Bank Limited, Agrone Bank Limited

Standard Bank Limited,…..Insurance Company play the key role in manipulating

their services through implementing policy.

1.2. Rationale of the Study

Today’s business world is dynamic and competitive therefore organizations looking

for talent, extrovert graduates who belong to high degree of adaptability quality.

Today’s business graduates will be the core part of business organization. So business

graduates need to have both theoretical & practical knowledge to manage the business

activity properly. In order to be familiar with organizational culture and to gain some

practical knowledge about an organization our Department provides Eight to twelve

week internship program as a part of the BBA program. After completion of the

program period a student must submit the report on the assigned topic to the

Supervisor and the department. This program carries three (3) credit hours out of 126

credit hours of the BBA program.

1.3. Rationale of selecting SJIBL

I was assigned in Shahjalal Islami Bank Limited through my Internship supervisor I

was selecting Bangladesh Shahjalal Islami Bank Limited to perform my internship

program as my honorable supervisor inspired me. I thought SJIBL being the prime

development financing institution continued its effort to make an effective

contribution towards expansion of industrialization process of Bangladesh. It seems to

me that in SJIBL there is a sufficient opportunity to gain practical knowledge about


the activities of a bank. The working environment is good and the employees are very

much cooperative to provide practical knowledge about different functions of the

bank. I selected a topic named "Employee Job Satisfaction of Shahjalal Islami Bank

Ltd." On the basis of this topic I have prepare my Internship Report.

1.4. Objective of the Report

The public sector as well as the private sector bank has undergone a sea-change over

the years. The change is more evident in the case of public sector Bank that is forced

to match steps with private sector Bank to cope up with the emerging competition.

This has meant a total attitudinal change for the employees. This has not been simple

and has put new pressures and realities in front of the bank employees iced with a

huge pile of inconsistencies. Bank Officers have perhaps felt the maximum heat. On

one side they are expected to monitor, administer and manage the clerical staff and on

the other hand to be the spokesperson of the management. This paradox in the

changed circumstances plus the challenge to counter their own problems has put them

in an unenviable position. This research study was undertaken with the following

three objectives:

(a) To ascertain the degree of overall job satisfaction prevailing among the bank

officers.

(b) To elicit officer's views on the different factors of job satisfaction being identified

as motivation/hygiene factors.

(c) To study the impact of different variables such as the occupational level (clerks,

cashiers or officers), age, education, organizational climate, economic background

and gender, on the various factors affecting the overall job satisfaction.

Broad Objective:

The attitudes regarding job satisfaction are broadly related to the areas of intrinsic

nature of work, wage and security, supervision, and company policies and practices.

The broad objective of the study is descriptive analysis that employee satisfaction of

Shahjalal Islami Bank Limited.


Specific Objective:

The Specific objective of the study is findings the results from the balancing and

summation of many specific likes and dislikes of employees experienced in

connection with their jobs. The present study deals with the two issues to analyze the

job satisfaction of bank employees of the SJIBL in. The issues are:

(i) The relative importance of job satisfaction factors.

(ii) The impact of bank type, work experience, age and sex differences on the

attitudes toward job satisfaction.

1.5. Scope of the Report

Since I have worked in the Shahjalal Islami Bank Limited, Khulna Branch, I get the

opportunity to gain knowledge of different part of banking system. The supervisor

divided into the whole banking in three parts. As a result I got the opportunity to work

in all three divisions (investment division, general banking division, foreign exchange

division). And from these three different departments or divisions, I hope that I will

be capable of doing these types of jobs in the future.

1.6. Methodology

Every research work should be conducted through a specific and predetermined

methodology to explore an effective research outcome. For this reason this study also

conducted with a methodology and the element’s of the methodology followed was as

following,

Sources of Data Collection:

a. Primary Sources:

Primary data will be collecting by different sources.

Observation of banking activities.

Face to face Interviews.

Employee survey data were gathering by analyzing responses to questionnaire.

Experiences gained during performing duties for General Banking department

and HR department.


Discussion with employees of Shahjalal Islami Bank Limited in Khulna

Branch.

b. Secondary Sources:

Annual reports of Shahjalal Islami Bank Limited.

Various documents from General Banking, HRM and other departments.

Different websites, books.

Internal Records.

www.shahjalalbank.com.bd

1.7. Data Analysis

Every study conducts on the basis of relevant data. In this regard our teacher prepared

a structured questionnaire considering various factors that help us to identify the

actual satisfaction level of job. After collecting the data, it has been arranged and

analyzed. This questionnaire survey has been conducted upon 15 employees.

Respondent were asking to tick their opinion. After getting their opinion, data have

been categorized into 5 point scale where

5 = strongly agree,

4 = agree,

3 = neutral,

2 = disagree,

1 = strongly disagree.

As this is a descriptive research, analysis has mainly been made using suitable

statistical tools like mean for “Employee job satisfaction of Shahjalal Islami Bank

Limited khulna.”


http://www.shahjalalbank.com.bd/

1.8. Limitation:

On the way of my study in Shahjalal Islami Bank Limited, I faced the following

problems, which may be termed as the limitations of the study. The major limitations

of this study are given as follows:

There were some restrictions to have access to the information confidential by

concern authority.

Sufficient records, publications regarding customer service were not available

as per requirement.

Three-month is not sufficient time to gain practical knowledge and prepare a

report.

The employees of the bank are so much busy so they cannot provide me to

give information.

I have no proper experience to do this kind of report. So, inexperience creates

obstacle to follow the systematic and logical research methodology.


Chapter-2

An Overview of Shahjalal Islami Bank Ltd.


An Overview of Shahjalal Islami Bank Ltd.

2.1. About SJIBL

Shahjalal Islami Bank Limited (SJIBL) commenced its commercial operation in

accordance with principle of Islamic Shariah on the 10th May 2001 under the Bank

Companies Act, 1991. During last ten years SJIBL has diversified its service

coverage by opening new branches at different strategically important locations across

the country offering various service products both investment & deposit. Islamic

Banking, in essence, is not only INTEREST-FREE banking business, it carries deal

wise business product thereby generating real income and thus boosting GDP of the

economy. Board of Directors enjoys high credential in the business arena of the

country, Management Team is strong and supportive equipped with excellent

professional knowledge under leadership of a veteran Banker Mr. Md. Abdur Rahman

Sarker.

2.2. Our Vision

To be the unique modern Islami Bank in Bangladesh and to make significant

contribution to the national economy and enhance customers' trust & wealth, quality

investment, employees' value and rapid growth in shareholders' equity.

2.3. Our Mission

To provide quality services to customers

To set high standards of integrity.

To make quality investment.

To ensure sustainable growth in business.

To ensure maximization of Shareholders' wealth.

To extend our customers innovative services acquiring state-of-the-art

technology blended with Islamic principles.

To ensure human resource development to meet the challenges of the time.

2.4. Our Strategies

To strive for customers best satisfaction & earn their confidence.

To manage & operate the Bank in the most effective manner.


To identify customers needs & monitor their perception towards meeting those

requirements.

To review & updates policies, procedures & practices to enhance the ability to

extend better services to the customers.

To train & develop all employees & provide them adequate resources so that

the customers needs are reasonably addressed.

To promote organizational efficiency by communicating company plans,

polices & procedures openly to the employees in a timely fashion.

To cultivate a congenial working environment.

To diversify portfolio both the retail & wholesale markets.

2.5. Our Motto

Committed to Cordial Service.

2.6. Corporate Information

Name of the Company

Shahjalal Islami Bank Limited

Legal Form

A public limited company incorporated in Bangladesh on 1st April 2001 under the companies Act 1994 and listed in Dhaka Stock Exchange Limited and Chittagong Stock Exchange Limited.

Commencement of Business

10th May 2001

Head OfficeUday Sanz, Plot No. SE (A)2/B Gulshan South Avenue,Gulshan - 1, Dhaka-1212.

Telephone No. 88-02-8825457,8828142,8824736,8819385,8818737

Fax No. 88-02-8824009

Website www.shahjalalbank.com.bd

SWIFT SJBL BD DH

E-mail [email protected]


Chairman Alhaj Mohammed Solaiman

Managing Director

Md. Abdur Rahman Sarker

Auditors

M/S. Hoda Vasi Chowdhury & Co. Chartered Accountants Ispahani Bhaban 14-15 Motijheel C/A Dhaka-1000 Phone: 88-02-9555915, 9560332

Tax Advisor

M/S K.M Hasan & Co. Chartered Accountants 87, New Eskaton Road Dhaka. Phone: 88-02-9351457, 9351564

Legal AdvisorHasan & AssociatesChamber of Commerce Building(6th floor), 65-66 Motijheel C/A, Dhaka

No. of Branches 63

No. of ATM Booth

14

No. of SME Centers

06

Off-Shore banking Unit

01

No. of Employees

1,671

Stock Summary:

Authorized Capital

Tk. 6,000 million

Paid up Capital Tk. 3425.12 million


Face Value per Share

Tk. 10

2.7 Kinds of Accounts

Branches may open any of the following kinds of accounts:

1. Accounts of Individuals.

2. Joint Accounts.

3. Proprietary Concerns.

4. Partnership Concerns.

5. Accounts of Private Limited Companies.

6. Accounts of Public Limited Companies/Corporations/ Autonomous bodies.

7. Trust Accounts.

8. Accounts of Liquidators

9. Accounts of Societies, Associations, Clubs,

10. Accounts of Local Authorities. etc.

Accounts of Local Authorities etc.

2.8. SJIBL Deposit Scheme

Mudaraba Monthly Income

Mudaraba Double Money

Mudaraba Monthly Deposit

Mudaraba Millionaire

Mudaraba Haji Deposit

Mudaraba Housing Deposit

Mudaraba Small Business

Mudaraba Cash Waqf Deposit

Mudaraba Lakhopoti Deposit


Mudaraba Bibaho Deposit

Mudaraba Mohor Deposit

Mudaraba Shikhkha Deposit

Mudaraba Special Term Depo

2.9. Islamic Mode of Investment

Bai Mechanism:

Bai means purchase and sale of goods in cash or on credit or in advance at an agreed

upon profit, which may or may not be disclosed to the client. Majority of investments

of Islamic Bank are extended through this mechanism. A good number of investment

products have been designed to facilitate mainly working capital financing which

goes as follows:

Bai-Murabaha

Murabaha LC (Sight/Deferred)

Through this mode of indirect facility, the bank facilitates import of goods of the

client at fixed rate of service charge (LC commission) on invoice value. LC may be

opened at 100% cash or at a different ratio.

Murabaha Post Import TR

This is post import finance under the principle of “Bai”, extended to retire Shipping

Documents under LC opened. We buy the imported goods and sell the same to the

importer at a cost plus an agreed upon profit repayable today or on some date in the

future in lumpsum or by installments. Usually payment is made by lumpsum from the

sale proceeds of the consignment. Possession of goods remains with the client.

Collateral security is usually obtained to secure the finance.

Bai-Muajjal

Bai-Muajjal Commercial TR


It is an agreement between bank and client whereby bank delivers goods to the client

upon deferred payment, i.e. the client shall pay the price at some future date at a time,

by lumpsum or by installment. Under this mode of investment, bank is not supposed

to disclose cost price and profit separately. Goods are delivered on trust and Trust

Receipt is obtained for legal implication.

Bai-Salam

Bai-Salam (PC)

This is export finance. Bai-Salam is a term used to define a sale in which the buyer

makes advance payment, but the delivery is delayed until some time in the future.

Usually the seller is an individual or business and the buyer is the bank.

2.10. SJIBL Visa Card

Card is considered as a new dimension of product resulting from technological

development in the banking arena. In line with our affiliation with VISA International

for VISA ATMs and POS, the following two products are launched broadening

service products of the Bank to the clients:

VISA Electron (SJIBL VISA Debit Card - local)

VISA Prepaid (SJIBL VISA Prepaid Card)

1. SJIBL VISA Prepaid (Prepaid Card - International)

2. SJIBL VISA Prepaid (Prepaid Card - Dual)

3. SJIBL Souvenir Card (Gift Card - Local)

2.11. Features

Sense of satisfaction of having an International brand

Anywhere anytime banking

24 hours and 7 days a week banking

Directly linked to Cardholders Account at SJIBL (AWCD/MSD/MSND)“Employee Job Satisfaction of Shahjalal Islami Bank Limited (SJIBL): A Study on Khulna Branch.”

Convenient Cash Withdrawal at ATMs

Accepted at all VISA terminals locally & globally

Local & International transactions with the same card (for Dual Cards)

Balance Inquiry

PIN Change

Avoid pressure at counters of bank

Minimizing risk of carrying cash

More to come ...

Special Feature

No Cash Advance Fee at SJIBL ATMs

Account is not required for Prepaid cards

2.12. Objective of Small and Medium Enterprise (SME) Investment Operation

The SME Sector has been declared by the Government as a priority sector. In our

country, Small and Medium Enterprises (SMEs) play the pivotal role for employment

generation, poverty alleviation and overall economic growth of the country. It has

been observed that fund is the major constraint of this sector. Therefore, we need to

inject more funds into this sector in a very planned manner to boost-up this sector for

the sake of overall economic development of the country. Our country is labors

abundant and SMEs are typically labors intensive. So, the sector deserves more

investment facility for smooth functioning of the existing enterprises and expansion of

the same with a view to retain the workforce active as well as creating more

employment opportunities. Further, investment in SMEs can be very effective in

reducing poverty as well as ensuring long term economic growth.

2.13. Foreign Remittance

a. Western union

Western Union a fast, reliable and convenient way to send a money transfer“Employee Job Satisfaction of Shahjalal Islami Bank Limited (SJIBL): A Study on Khulna Branch.”

http://www.shahjalalbank.com.bd/Remittancee.asp

http://www.shahjalalbank.com.bd/Remittancee.asp?code=kushiara

http://www.shahjalalbank.com.bd/Remittancee.asp?code=SWIFT

Western Union Financial Services Inc. U.S.A. is the number one and reliable money

transfer company in the world. This modern Electronic Technology based money

transfer company has earned world wide reputation in transferring money from one

country to another country within the shortest possible time.

Shahjalal Islami Bank Limited has set up a Representation Agreement with Western

Union Financial Services Inc. U.S.A. Millions of people have confidence on Western

Union for sending money to their friends and family. Through Western Union Money

Transfer Service, Bangladeshi Wage Earners can send money quickly from over

280,000 Western Union Agent Locations in over 200 countries and territories world

wide- the world's largest network of its kind, only by visiting any branches of

Shahjalal Islami Bank Limited in Bangladesh.

B. Kushiara

Kushiara Money Transfer’s a definition of safety and reliability and a popular Money

Transfer Company in United Kingdom (U.K.). Kushiara offers “Instant Cash” next

day collection from Bank counter at most cities in Bangladesh and "Quick Credit" to

beneficiary’s account in all over the Bangladesh.

Payment may be made by bank deposit (Kushiaras account at Barclys Bank) or

cheque or bank draft. Please do not send cash through post. We shall process the

remittance request and post the customer copy of the remittance form to customers

given address after the fund are cleared. The usual times for clearing of cheques

require 3-5 working days.

c. SWIFT

Shahjalal Islami Bank Limited is a member of the society for Worldwide Inter Bank

Financial Telecommunication (in abbreviation S.W.I.F.T). SWIFT is the industry-

owned co-operative supplying secure, standardized messaging services and interface

software to nearly 8,100 financial institutions in 207 countries and territories. SWIFT

members include Bank, broker-dealers and investment managers. The broader SWIFT

community also encompasses corporate as well as market infrastructures in payments,

securities, treasury and trade.


2.14. Hierarchy of SJIBL


Senior Executive Vice President (SEVP)

Executive Vice President (EVP)

Executive Employee (EO)

First Executive Employee (FEO)

Senior Executive Employee (SEO)

Junior Assistant Vice President (JAVP)

Deputy Managing Director (DMD)

Senior Vice President (SVP)

Vice President (VP)

Senior Assistant Vice President (SAVP)

Assistant Vice President (AVP)

First Assistant Vice President (FAVP)

Chapter-3

Job Satisfaction: Analysis & Interpretation


Employee

Junior Executive Employee (JEO)

Assistant Executive Employee (AEO)

Senior Employee (SO)

Job Satisfaction: Analysis & Interpretation

3.1 Job Satisfaction

In this study 'Job' means the total relationship between the individual employee and

his employer (organization) and with work for which he gets compensated. The term

'Satisfaction' refers to the simple feeling/state accompanying the attainment by an

impulse of his/her objectives. The term 'Job Satisfaction’ therefore refers to the

favorableness with which employees view their work and the term 'Job

Dissatisfaction' to the unfavorable ness with which they take their work.

Various theories like Maslow's Need Hierarchy Theory, Herzberg's Motivation-

Hygiene Theory, and Vroom's Expectancy Model have been extended to describe the

factors responsible for the Job Satisfaction of the employees in the organization.

Broadly we can say that an employee’s 'Job Satisfaction' is related to a number of

variables such as age, occupational level, size of the organization, organizational

climate, educational qualifications, educational and economic background, size of the

family, gender of the employee, etc.

3.2 Questioner Analysis


3.2.1 Gender

In the Shahjalal Islami Bank Ltd., the male employees are higher than female

employees.

3.2.2 Age

AGE

0

2

4

6

8

10

12

18-25

26-35

36-50

Series1 1 10 4

18-25 26-35 36-50

In the Shahjalal Islami Bank Ltd., Most of the respondent employee’s age in Khulna

branch is of 26 to 35 years. There are eight employees are 26-35 age limit and one


GENDER

MALE

FEMALE

0

2

4

6

8

10

12

MALE

FEMALE

MALE 11

FEMALE 4

1

employee age in 18-25, four of respondent employees are of 36-50 age limit. For

these reason we can say that employees are very much energetic, active and potential.

3.2.3 Education level

EDUCATION LEVEL

0

5

10

15

GRADUATE

POST GRADUATE

Series1 1 14

GRADUATE POST GRADUATE

In the Shahjalal Islami Bank Ltd. in Khulna branch the respondents are most of them

achieved in masters degree from different university. So the education level is higher

of the bank and they are dutiful and responsible to the clients.

3.2.4 Experience


EXPERIANCE

0

2

4

6

8

LESS THEN ONEYEAR

1-2 YEARS

2-3 YEARS

3-4 YEARS

4-5 YEARS

MORE THEN 6 YEARS

Series1 1 2 3 2 7

LESS

1-2 YEA

2-3 YEA

3-4 YEA

4-5 YEA

MORE

The employees of Shahjalal Islami Bank Ltd. in Khulna branch are different

experienced. About 60% are experienced in more than six years, 10% employees are

experienced in four to five years and other employees are experienced in one to 20%

& 10% years. So we tell that the combination of experience is better for carrying out

the bank activities.

3.3 Questioner Analysis- Section Two

The data so obtained was subjected to analysis and interpretation and the findings

drawn are as follows.


Overall Job Satisfaction

4.53

4

4

4.06

5

3.8

5

4.73

4.26

4.86

0 2 4 6

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b w

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.

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Diffe

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nt

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.

A jo

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ich

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re h

ave

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at

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ieve

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A jo

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re

the

pa

y is

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oo

d.

A job Which provides better job design.

A job where the pay is very good.

A job have effect on frequent transfers

A job in which there have greatachievement.

A job where working space andpersonal space is very good.

A job where co-operation of topmanagement is very good.

A job where effect of union interference.

A job Where, Cultural, Religious andBehavioral Differences among Staff aregood.

A job Where the Role of Work-RelatedTraining Facilities are very good.

A job where your co-workers are veryfriendly.

The Shahjalal Islami Bank Limited is strongly satisfied to do better job design

decision. The mean value is 4.53 out of 5 that indicate the effort of the job

sector.

The officers were asked whether they were satisfied or dissatisfied with the

salary that they were receiving from the bank. The Employee Satisfaction

level is 4 that is appreciated for evaluate the salary.

The bank has a strong level of frequent transfer. I can found it easily from the

analysis of the questionnaire. The graph reflects 4 out of 5 by the implications

of the bank employee.

The graph shows the mean values of different questions of job satisfactory level about

the Employee job satisfaction of SJIBL Khulna. As we see here Maximum mean

value is above 4.0 in the scale of 5.0. From the above calculation, it can be said that

Employee Job Satisfaction level of SJIBL on Khulna Branch is 88.48%.


NO. QUESTIONS SA

(5)

A

(4)

N

(3)

D

(2)

SD

(1)

Mean values

1 A job where your co-workers are very friendly.

10 3 2 0 0 4.53

2 A job Where the Role of Work-Related Training Facilities are very good.

2 11 2 0 0 4

3 A job Where, Cultural, Religious and Behavioral Differences among Staff are good.

1 13 1 0 0 4

4 A job where effect of union interference.

3 10 2 0 0 4.06

5 A job where co-operation of top management is very good.

15 0 0 0 0 5

6 A job where working space and personal space is very good.

0 12 3 0 0 3.8

7 A job in which there have great achievement.

15 0 0 0 0 5

8 A job have effect on frequent transfers

11 4 0 0 0 4.73

9 A job where the pay is very good.

4 11 0 0 0 4.26

10 A job Which provides better job design.

13 2 0 0 0 4.86

Total summation of mean values: 44.24

Grand mean: (44.24÷10) = 4.42

Employee Job Satisfaction: (4.42×20) = 88.48


Chapter-4

Findings, Recommendations & Conclusion

Findings, Recommendation & Conclusion

4.1 Findings


From the total observation and analysis during my internship period the following

matters had been founded. The main problems of Shahjalal Islami Bank Ltd. Khulna

Branch are:

Decision making process is very lengthy and sometimes it creates problems,

which is unexpected to the customers. Most of the cases Head Office control

the decision making and it is centralized.

The total number of employees is very short. This is hampering the daily

operation of the Bank.

Lack of proper explanation of records and document records keeping system

Staffing-Level of Branch are not available

Lack of accessibility of Bank

Shortage of ATM booth

Lack of organize, manage, supervise, control and follow up all functional

areas of the bank.

4.2 Recommendations


No organization can work 100% accurately. They must face some problems.

Similarly, The Shahjalal Islami Bank as a commercial institution faces some problems

to give job satisfaction. To overcome this problem, the bank can employ professional

analysis by using satisfaction analytical tools. Some suggestion can be recommended

to overcome the problem.

Decision making power should be decentralized effectively so that business

can promptly be enhanced.

A handsome number of qualified employees & staffs should be appointed very

soon for maintaining the normal flow of work.

Filing and record keeping system of the bank should me modernized .At

present operation system is partially computerized and on line banking should

be started very soon.

An officer complains statement must receive.

The main reason for the failure of satisfaction is inadequate documents. So the

professional should collect and maintain all types of documents properly.

Proper investigation should be done whether the employee is utilized as per

the purpose.

Manager should be given a power to make decision up to a certain limit to

increase the satisfaction level.

Some incentive should be provided to the efficient officers to earn more from

them.

4.3 Conclusion


While concluding, it could be said that with the change of satisfaction determinants,

level of job satisfaction also varies. It is also observed that as a person ages, his job

satisfaction shows an increasing trend. With age, spiritualism of the person increases,

but his alternatives for change decreases. Younger employees have more energy,

more expectations and more options, and hence have lesser satisfaction with the job.

Overall the job satisfaction of bank officers though is not very high, but satisfactory.

But there is still considerable room for improvements.

The Bank is committed to run its activities as per Islamic Shariah and thus it has

different investment(credit) modes, different repayment schedules, different

disbursement procedure, different mark up system. Sell the same to another people.

This system is accepted in Islamic Shariah because here money is converted to

goods.’ Money begets money’ is prohibited in Islamic Shariah. People are getting

more benefit from the dealings of Islamic banking because here quarterly interest is

not charged and there is no possibility of interest to be converted into principal

Islamic Banks can’t charge extra amount on the residual principal of the overdue

accounts like other conventional banks but some compensation is imposed on the

accounts to protect huge accounts to be overdue/classified. It can not take part in call

money market. Mudaraba, Musharaka are another mode of investment in Islamic

Banking. But here honesty is the only pre-requisite. For ensuring more benefit, more

facility from Islamic banks like SJIBL we have to be honest and more sincere to repay

the taken money from these banks in time.

At time, real judgment and honesty of the authorized personnel can help the bank to

increase their advancement and to make them optimum sale and secured.

Bibliography


1. Annual Reports of Shahjalal Islami Bank Ltd. 2010

2. Annual Report of Bangladesh Bank, 2010

4. Kothery C. R.: Research Methodology

3. Kotler, Philip. Principles of Marketing Prentice4-laIl of India Limited.

4. Sinha, S L N (1996), Reforms of Indian Banking System, Orient Longman, Madras.

5. Kotler, P (1985), Marketing Management, Prentice Hall India Pvt. Ltd., New Delhi.

6. www.shahja1aIbank.com.bd

List of Abbreviations


http://www.shahja1aIbank.com.bd/

1. ACD : Al Wadiah Current Deposit Accounts

2. ATM : Automated Teller Machine.

3. BE : Bill of exchange.

4. DD : Demand Draft.

5. GDP : Gross Domestics Product

6. IBC : Inward Bills for Collection.

7. IPO : Initial Public Offerings.

8. MSD : Mudaraba Savings Deposit Accounts

9. MTD : Mudaraba Term Deposit Accounts

10. MICR : Magnetic Ink Character Recording

11. MSNT : Mudaraba Short Notice Deposit Accounts

12. OBC : Outward Bills for Collection

13. PO : Payment Order.

14. SJIBL : Shahjalal Islami Bank Limited

15. SWIFT : Worldwide Inter Bank Financial Telecommunication


Appendix

Sample of Questionnaire

Dear respondents,

I am Kazi Mohammad Hasibul Huq, student of BBA program. I am working on an

article to measuring “Employee Job Satisfaction of SJIBL on Khulna Branch.” Here

some questions regarding this topics. Please answer all the questions. My target

groups are banker, stuffs and related persons. The group composition is both male and

female, sample size is 15. I have used five points Likert scale.

Section A: Personal Questioners for Employees of SJIBL on Khulna Branch.

The purpose of this personal information questionnaire is to help prepare you for our upcoming consultation and to provide us with important personal and asset information related to your estate, so that we are able to properly advise you on your situation and needs.

The questionnaires for personal as follows

1. Full name: ________________________________________________________

2. Employee Title: ____________________________________________________

3. Present Age: ________/_____/________________ Gender: _________________

4. Educational qualifications: ___________________ Experience: ______________

Section B : Questioners for Employees of SJIBL on Khulna Branch.Instructions:

A "5" represents strongly agree, "1" is strongly disagree, "3" is neutral, and “4” is disagree and “2” is agree. If you feel that we or the competition perform this service in a world-class manner, then circle "5". If you feel that we or the competition perform at a poor level, then circle "1". Please use the remaining numbers to describe


Please tick the appropriate box to indicate your degree of satisfaction where:

5 = strongly agree,

4 = agree,

3 = neutral,

2 = disagree,

1 = strongly disagree.

NO. QUESTIONS SA

(5)

A

(4)

N

(3)

D

(2)

SD

(1)

1 A job where your co-workers are very friendly.

5 4 3 2 1

2 A job Where the Role of Work-Related Training Facilities are very good.

5 4 3 2 1

3 A job Where, Cultural, Religious and Behavioral Differences among Staff are good.

5 4 3 2 1

4 A job where effect of union interference. 5 4 3 2 1

5 A job where co-operation of top management is very good.

5 4 3 2 1

6 A job where working space and personal space is very good.

5 4 3 2 1

7 A job in which there have great achievement.

5 4 3 2 1

8 A job have effect on frequent transfers 5 4 3 2 1

9 A job where the pay is very good. 5 4 3 2 1

10 A job Which provides better job design. 5 4 3 2 1

Do you have any comments or suggestions about SJIBL Khulna branch?

………………………………………………………………………………………..........

Signature: …………… Date: …. /....../……….


Questioner Analysis

3.2 Profile of the respondents

3.2.1 Gender

Gender Number of respondents Percentage

Male 11 73

Female 4 27

Total 15 100

3.2.2 Age of the respondents

Age structure Number of respondents Percentage

20-30 1 7

31-40 10 66

41-50 4 27

Total 15 100

3.2.3 Education Level

Command Number of respondents Percentage

Graduate 1 7

Post Graduate 14 93

Total 15 100

3.2.4 Experience

Command Number of respondents Percentage

Less Then One Year 1 7

1-2 Years 2 13

2-3 Years 0 0

3-4 Years 3 20

4-5 Years 7 47

More Then 6 Years 2 13

Total 15 100


final sjibl 10-10-11

Documents

abdur rahman

assistant

related training

shahjalal

gain practical

employee job

private sector

sjibl visa