Final Sjibl 10-10-11

Chapter-1 Introduction
Employee Job Satisfaction of Shahjalal Islami Bank Limited (SJIBL): A Study on Khulna Branch.
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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 Todays business world is dynamic and competitive therefore organizations looking for talent, extrovert graduates who belong to high degree of adaptability quality. Todays 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
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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.
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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 elements 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.
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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.
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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.
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Chapter-2 An Overview of Shahjalal Islami Bank Ltd.
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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.
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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 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.
Legal Form
Commencement 10th May 2001 of Business Uday Sanz, Plot No. SE (A) 2/B Gulshan South Avenue, Gulshan - 1, Dhaka-1212. 88-02-8825457,8828142,8824736,8819385,8818737 88-02-8824009 www.shahjalalbank.com.bd
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Head Office
Telephone No. Fax No. Website SWIFT
SJBL BD DH
E-mail Chairman Managing Director
sblho@shahjalalbank.com.bd Alhaj Mohammed Solaiman 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 M/S K.M Hasan & Co. Chartered Accountants 87, New Eskaton Road Dhaka. Phone: 88-02-9351457, 9351564 Hasan & Associates Chamber of Commerce Building (6th floor), 65-66 Motijheel C/A, Dhaka
Tax Advisor
Legal Advisor
No. of Branches 63 No. of ATM Booth No. of SME Centers Off-Shore banking Unit No. of Employees Stock Summary: Authorized Capital Tk. 6,000 million
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14
06
01
1,671
Paid up Capital Face Value per Share
Tk. 3425.12 million 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
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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
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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)
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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
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a. Western union Western Union a fast, reliable and convenient way to send a money transfer 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 Transfers 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 beneficiarys 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 industryowned co-operative supplying secure, standardized messaging services and interface members include Bank, broker-dealers and investment managers. The broader SWIFT
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software to nearly 8,100 financial institutions in 207 countries and territories. SWIFT
community also encompasses corporate as well as market infrastructures in payments, securities, treasury and trade.
2.14. Hierarchy of SJIBL

Deputy Managing Director (DMD) Senior Executive Vice President (SEVP) Executive Vice President (EVP) Senior Vice President (SVP) Vice President (VP)
Senior Assistant Vice President (SAVP) Assistant Vice President (AVP) First Assistant Vice President (FAVP)
Junior Assistant Vice President (JAVP)
Senior Executive Employee (SEO)

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Executive Employee (EO)
First Executive Employee (FEO)
Junior Executive Employee (JEO)
Assistant Executive Employee (AEO) Senior Employee (SO) Employee
Chapter-3 Job Satisfaction: Analysis & Interpretation

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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 MotivationHygiene 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 employees '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
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3.2.1 Gender In the Shahjalal Islami Bank Ltd., the male employees are higher than female
GENDER
12 10 8 6 4 2 0 MALE FEMALE 1 11 4 FEMALE MALE FEMALE MALE
employees.
3.2.2
Age
AGE
12 10 8 6 4 2 0 Series1 18-25 1 26-35 10 36-50 4 18-25 26-35 36-50
In the Shahjalal Islami Bank Ltd., Most of the respondent employees age in Khulna branch is of 26 to 35 years. There are eight employees are 26-35 age limit and one
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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
15
10 GRADUATE 5 POST GRADUATE
0 Series1
GRADUATE 1
POST GRADUATE 14
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
8 6 2-3 YEARS 4 3-4 YEARS 2 0 4-5 YEARS LES 1-2 2-3 3-4 4-5 MOR S YEA YEA YEA YEA E 1 2 3 2 7 MORE THEN 6 YEARS LESS THEN ONE YEAR 1-2 YEARS
Series1
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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.
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OealJ bS tsa to v r l o ai f ci n
there haveA job where
the pay is
Ajo Wic poid sb tte jo d s n b h h r v e e r b e ig .
very friendly. are good. is very good. achievement. very good.
48 .6
Ajo weeth p yisv r g o . b hr e a ey o d
Ajo h v ef c o f e u n tr n f r b ae fe t n r q e t a ses
A job where Behavioral co-operation job in which A
42 .6
47 .3
Ajo inwic th r h v ge t b h h ee ae r a a h v mn c iee e t.
workers are among Staff managementgreat
Ajo weewr in s a ea d b h r ok g p c n p r o a s a eisv r g o . es n l p c ey o d
Religious and A job where
38 .
Ajo weec - p r tio o to b h r oo ea n f p mn g mn isv r g o . aae et ey o d
Differences of top
Cultural,
Ajo weeef c o u io in ree c . b h r fe t f n n tef r n e
A job Where,
40 .6
Ajo Wee Cltua Rlig u a d b h r , u r l, e io s n B h v r l Df r n e a o gS f ae e aioa ifee c s mn taf r go. od Ajo Weeth Rleo Wr - e te b h r e o f okRla d T in gF c saev r g o . r in a ilitie r ey o d a
your co-
Ajo weey u c - ok r aev r b h r o r owr es r ey f ie d . r n ly
45 .3 0 2 4 6
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%.
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NO. QUESTIONS
SA (5)
A (4)
3
N (3)
2
D (2)
0
SD (1)
0
Mean values
4.53
A job where your coworkers are very friendly. A job Where the Role of Work-Related Training Facilities are very good. A job Where, Cultural, Religious and Behavioral Differences among Staff are good. A job where effect of union interference. A job where cooperation of top management is very good. A job where working space and personal space is very good. A job in which there have great achievement. A job have effect on frequent transfers A job where the pay is very good. A job Which provides better job design.
10
11
13
4 5
3 15
10 0
2 0
0 0
0 0
4.06 5
12
3.8
7 8 9 10
15 11 4 13
0 4 11 2
0 0 0 0
0 0 0 0
0 0 0 0
5 4.73 4.26 4.86
Total summation of mean values: 44.24 Grand mean: (44.2410) = 4.42 Employee Job Satisfaction: (4.4220) = 88.48
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Chapter-4 Findings, Recommendations & Conclusion
Findings, Recommendation & Conclusion

4.1 Findings
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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.
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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
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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 cant 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.
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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
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1. ACD
: : : : : : : : : : : : : :
Al Wadiah Current Deposit Accounts Automated Teller Machine. Bill of exchange. Demand Draft. Gross Domestics Product Inward Bills for Collection. Initial Public Offerings. Mudaraba Savings Deposit Accounts Mudaraba Term Deposit Accounts Magnetic Ink Character Recording Mudaraba Short Notice Deposit Accounts Outward Bills for Collection Payment Order. Shahjalal Islami Bank Limited
2. ATM 3. BE 4. DD 5. GDP 6. IBC 7. IPO

8. MSD 9. MTD
10. MICR
11. MSNT
12. OBC 13. PO 14. SJIBL 15. SWIFT:
Worldwide Inter Bank Financial Telecommunication
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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
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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) 1 2 3 A job where your co-workers are very friendly. A job Where the Role of Work-Related Training Facilities are very good. A job Where, Cultural, Religious and Behavioral Differences among Staff are good. A job where effect of union interference. A job where co-operation of top management is very good. A job where working space and personal space is very good. A job in which achievement. there have great 5 5 5 A (4) 4 4 4 N (3) 3 3 3 D (2) 2 2 2 SD (1) 1 1 1
4 5 6 7 8 9 10
5 5 5 5 5 5 5
4 4 4 4 4 4 4
3 3 3 3 3 3 3
2 2 2 2 2 2 2
1 1 1 1 1 1 1
A job have effect on frequent transfers A job where the pay is very good. A job Which provides better job design.
Do you have any comments or suggestions about SJIBL Khulna branch? .......... Signature: . Date: . /....../
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Questioner Analysis 3.2 Profile of the respondents 3.2.1 Gender Gender Male Female Total 3.2.2 Age of the respondents Age structure 20-30 31-40 41-50 Total 3.2.3 Education Level Command Graduate Post Graduate Total 3.2.4 Experience Command Less Then One Year 1-2 Years 2-3 Years 3-4 Years 4-5 Years More Then 6 Years Total Number of respondents 1 2 0 3 7 2 15 Percentage 7 13 0 20 47 13 100 Number of respondents 1 14 15 Percentage 7 93 100 Number of respondents 1 10 4 15 Percentage 7 66 27 100 Number of respondents 11 4 15 Percentage 73 27 100
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Final Sjibl 10-10-11

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Final Sjibl 10-10-11

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Chapter-1 Introduction

Chapter-2 An Overview of Shahjalal Islami Bank Ltd.

An Overview of Shahjalal Islami Bank Ltd.

2.4. Our Strategies

Telephone No. Fax No. Website SWIFT

E-mail Chairman Managing Director

sblho@shahjalalbank.com.bd Alhaj Mohammed Solaiman Md. Abdur Rahman Sarker

Paid up Capital Face Value per Share

Tk. 3425.12 million Tk. 10

Mudaraba Bibaho Deposit

2.9. Islamic Mode of Investment

2.14. Hierarchy of SJIBL

Junior Assistant Vice President (JAVP)

Senior Executive Employee (SEO)

Executive Employee (EO)

First Executive Employee (FEO)

Junior Executive Employee (JEO)

Assistant Executive Employee (AEO) Senior Employee (SO) Employee

Chapter-3 Job Satisfaction: Analysis & Interpretation

Job Satisfaction: Analysis & Interpretation

10 GRADUATE 5 POST GRADUATE

there haveA job where

Ajo Wic poid sb tte jo d s n b h h r v e e r b e ig .

very friendly. are good. is very good. achievement. very good.

Ajo weeth p yisv r g o . b hr e a ey o d

A job where Behavioral co-operation job in which A

Ajo inwic th r h v ge t b h h ee ae r a a h v mn c iee e t.

workers are among Staff managementgreat

Ajo weewr in s a ea d b h r ok g p c n p r o a s a eisv r g o . es n l p c ey o d

Religious and A job where

Ajo weec - p r tio o to b h r oo ea n f p mn g mn isv r g o . aae et ey o d

Ajo weeef c o u io in ree c . b h r fe t f n n tef r n e

Ajo weey u c - ok r aev r b h r o r owr es r ey f ie d . r n ly

5 4.73 4.26 4.86

Chapter-4 Findings, Recommendations & Conclusion

Findings, Recommendation & Conclusion

2. ATM 3. BE 4. DD 5. GDP 6. IBC 7. IPO

12. OBC 13. PO 14. SJIBL 15. SWIFT:

Worldwide Inter Bank Financial Telecommunication

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