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Bangladesh Bank has already introduced several schemes and programs to flourish and expand SME Enterprises. Refinance scheme funded by Bangladesh Bank, IDA ,ADB and JICA has been facilitated for the development of SME sector. Existing definition of SME is recommended by Better Business Forum and accepted as a uniform one by Ministry of Industry and Bangladesh Bank. Access to finance is vital for SME sector development. In many instances, entrepreneurs raise complain regarding high rate of interest. Indeed, higher rate of interest is a major hindrance, but availability of adequate fund is very much important. That is why, Bangladesh Bank is committed to facilitate SME credit through refinance window access to finance is vital for SME sector development. In many instances, entrepreneurs raise complain regarding high rate of interest. Indeed, higher rate of interest is a major hindrance, but availability of adequate fund is very much important. That is why; Bangladesh Bank is committed to facilitate SME credit through refinance window.

To develop SME sector, the fund of BB through refinance scheme. So far a total of Tk.25.02 crore has been refinanced (up to June 2014) to 500 (approx.) enterprises. Moreover, Bangladesh Bank is going to launch an extended refinance scheme very soon with the newly arranged ADB and JICA fund.