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Factors Influencing Create Entrepreneurs’: An Empirical Evidence from Sonali Bank Limited, Kotbari, Cumilla Region

An entrepreneur is a man or woman who starts or organizes, operates, shifts economic resources, coordinating, controlling of instituting significant changes and assumes the risk of his or her venture as well as receives the financial profits and nonmonetary rewards from the market value of his or her product. In Bangladesh, the entrepreneurs’ rate is increasing with the assistance of different loans. Consequently, it is a burning quest for entrepreneurs to get loans in easy ways and conditions. To meet this demand, they need to be supported SME loans by Government and central banks. Moreover, the new entrepreneurs are taking loans from several sources like family members, relatives and different financial and non-financial institutions. This study aims to find out the role of Sonali Bank Limited in creating entrepreneurs: A survey on Kotbari Branch. From in-depth interviews, it was found that getting SME loans with previous business experience, especially for new entrepreneurs, is one of the significant problems. In other interviews, 14 entrepreneurs among 39 entrepreneurs (44% among 100%) who took SME loans from SBL found that entrepreneurs don’t get enough SMEs according to their demands and expectations. Findings show that the need for SME loans in developing countries like Bangladesh is increasing with the increasing number of new entrepreneurs. It is advised that the government and central bank improve SME loans by appropriate actions, such as abolishing past company experience criteria for new entrepreneurs, in addition to lowering superfluous formalities and increasing transparency. SME loans can change an economic image of a country cooperating with honest and bona fide entrepreneurs’ necessities. In the present economy of our country, the sector is shaking the face of our independent country Bangladesh.