Report: Doha Bank SME Lending Turnaround Time Analysis
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This report provides a comprehensive analysis of Doha Bank's SME lending operations, focusing on the delays in turnaround time. It begins with an introduction to the importance of SMEs in Qatar's economy and the challenges faced by Doha Bank in its SME lending processes. The report identifies the problem through organizational analysis, including a SWOT analysis of SME lending at Doha Bank. It then establishes a theoretical framework for diagnosis, utilizing concepts like policy and procedures, employee productivity, and time management. The project component details the methodology, including cause-and-effect analysis, Kipling's method, and time and motion studies. The report's objectives include establishing a suitable SME lending operational model and recommending improvements to policy and procedures, employee productivity, and time management. The study employs various techniques, including SWOT analysis, cause and effect analysis, and time and motion studies, to identify the root causes of the delays. The findings highlight the need for streamlining processes, enhancing employee productivity, and improving time management to reduce turnaround time. The report concludes with recommendations to revitalize the financing architecture, improve lending processes, and maximize profitability in SME lending. The report also includes a detailed discussion of identified components, recommendations for improvements, and references to relevant literature and tables and figures to support the analysis.
REPORT
FORMATTING
FORMATTING
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TABLE OF CONTENTS
ACKNOWLEDGEMENTS......................................................................................................vi
EXECUTIVE SUMMARY.....................................................................................................vii
CHAPTER 1..............................................................................................................................1
INTRODUCTION.....................................................................................................................1
1.1 Background......................................................................................................................1
1.2 Project..............................................................................................................................2
1.3 Significance of the study..................................................................................................3
1.4 Methodology....................................................................................................................3
1.5 Limitation.........................................................................................................................4
1.6 Chapter Framework..........................................................................................................5
CHAPTER 2..............................................................................................................................6
PROBLEM IDENTIFICATION...............................................................................................6
2.1 Introduction......................................................................................................................6
2.2 Organization Profile.........................................................................................................6
2.3 Organizational Analysis: SME Section at Doha Bank.....................................................9
2.3.1 SWOT Analysis: SME Lending at Doha Bank...........................................................9
2.3.1.1 Strengths...............................................................................................................10
2.3.1.2 Weaknesses...........................................................................................................11
2.3.1.3 Opportunities........................................................................................................12
2.3.1.4 Threats..................................................................................................................13
2.3.1.5 Conclusion of SWOT Analysis..............................................................................13
2.4 Problem Identification....................................................................................................14
2.5 Problem Description......................................................................................................15
2.6 Summary........................................................................................................................20
i
ACKNOWLEDGEMENTS......................................................................................................vi
EXECUTIVE SUMMARY.....................................................................................................vii
CHAPTER 1..............................................................................................................................1
INTRODUCTION.....................................................................................................................1
1.1 Background......................................................................................................................1
1.2 Project..............................................................................................................................2
1.3 Significance of the study..................................................................................................3
1.4 Methodology....................................................................................................................3
1.5 Limitation.........................................................................................................................4
1.6 Chapter Framework..........................................................................................................5
CHAPTER 2..............................................................................................................................6
PROBLEM IDENTIFICATION...............................................................................................6
2.1 Introduction......................................................................................................................6
2.2 Organization Profile.........................................................................................................6
2.3 Organizational Analysis: SME Section at Doha Bank.....................................................9
2.3.1 SWOT Analysis: SME Lending at Doha Bank...........................................................9
2.3.1.1 Strengths...............................................................................................................10
2.3.1.2 Weaknesses...........................................................................................................11
2.3.1.3 Opportunities........................................................................................................12
2.3.1.4 Threats..................................................................................................................13
2.3.1.5 Conclusion of SWOT Analysis..............................................................................13
2.4 Problem Identification....................................................................................................14
2.5 Problem Description......................................................................................................15
2.6 Summary........................................................................................................................20
i
CHAPTER 3............................................................................................................................21
THEORETICAL FRAMEWORK FOR DIAGNOSIS...........................................................21
3.1 Introduction....................................................................................................................21
3.2 Theoretical background to the problem.........................................................................21
3.2.1 Policy and Procedures............................................................................................24
3.2.2 Employee Productivity............................................................................................25
3.2.3 Time Management...................................................................................................25
3.3 Framework of the study.................................................................................................26
3.4 Description of the Techniques.......................................................................................27
3.4.1. Cause and Effect analysis.......................................................................................27
3.4.2. Time and motion study...........................................................................................27
3.5 Summary........................................................................................................................28
CHAPTER 4............................................................................................................................29
THE PROJECT........................................................................................................................29
4.1 Introduction....................................................................................................................29
4.2 Project Objectives..........................................................................................................29
4.2.1 The Prime Objective................................................................................................29
4.2.2 Sub Objectives.............................................................................................................30
4.3 The Project; Project Components..................................................................................30
4.3.1 Component 1: Current situation analysis...............................................................31
4.3.1.1 Cause and effects analysis....................................................................................32
4.3.1.2 Kipling’s Method..................................................................................................34
4.3.2 Project component 2: Policy and Procedures........................................................35
4.3.2.1 Solution and Development: Revise of Policy & Procedures................................37
4.3.3 Project component 3: Employee productivity.........................................................41
ii
THEORETICAL FRAMEWORK FOR DIAGNOSIS...........................................................21
3.1 Introduction....................................................................................................................21
3.2 Theoretical background to the problem.........................................................................21
3.2.1 Policy and Procedures............................................................................................24
3.2.2 Employee Productivity............................................................................................25
3.2.3 Time Management...................................................................................................25
3.3 Framework of the study.................................................................................................26
3.4 Description of the Techniques.......................................................................................27
3.4.1. Cause and Effect analysis.......................................................................................27
3.4.2. Time and motion study...........................................................................................27
3.5 Summary........................................................................................................................28
CHAPTER 4............................................................................................................................29
THE PROJECT........................................................................................................................29
4.1 Introduction....................................................................................................................29
4.2 Project Objectives..........................................................................................................29
4.2.1 The Prime Objective................................................................................................29
4.2.2 Sub Objectives.............................................................................................................30
4.3 The Project; Project Components..................................................................................30
4.3.1 Component 1: Current situation analysis...............................................................31
4.3.1.1 Cause and effects analysis....................................................................................32
4.3.1.2 Kipling’s Method..................................................................................................34
4.3.2 Project component 2: Policy and Procedures........................................................35
4.3.2.1 Solution and Development: Revise of Policy & Procedures................................37
4.3.3 Project component 3: Employee productivity.........................................................41
ii
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4.3.3.1 Solution and Development: Employee Productivity...........................................41
4.3.4 Project component 4 : Time Management..............................................................42
4.3.4.1 Solution and Developments: Time Management..................................................43
4.4 Resource Allocation.......................................................................................................44
4.5 Cost Estimates and Cost Benefits..................................................................................45
4.6 Project output and outcomes..........................................................................................46
4.7 Project plan....................................................................................................................47
4.7 Summary........................................................................................................................47
CHAPTER 5............................................................................................................................48
DISCUSSION OF IDENTIFIED COMPONENTS................................................................48
5.1 Introduction....................................................................................................................48
5.2 Discussion of identified components.............................................................................48
5.2.1 Project Component 1: Current Situation Analysis..................................................49
5.2.2 Project Component 2: Policy & Procedures...........................................................49
5.2.3 Project Component 3: Employee Productivity........................................................50
5.2.4 Project Component 4: Time Management...............................................................50
5.3 Recommendations..........................................................................................................51
REFERENCES........................................................................................................................53
iii
4.3.4 Project component 4 : Time Management..............................................................42
4.3.4.1 Solution and Developments: Time Management..................................................43
4.4 Resource Allocation.......................................................................................................44
4.5 Cost Estimates and Cost Benefits..................................................................................45
4.6 Project output and outcomes..........................................................................................46
4.7 Project plan....................................................................................................................47
4.7 Summary........................................................................................................................47
CHAPTER 5............................................................................................................................48
DISCUSSION OF IDENTIFIED COMPONENTS................................................................48
5.1 Introduction....................................................................................................................48
5.2 Discussion of identified components.............................................................................48
5.2.1 Project Component 1: Current Situation Analysis..................................................49
5.2.2 Project Component 2: Policy & Procedures...........................................................49
5.2.3 Project Component 3: Employee Productivity........................................................50
5.2.4 Project Component 4: Time Management...............................................................50
5.3 Recommendations..........................................................................................................51
REFERENCES........................................................................................................................53
iii
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LIST OF TABLES
TABLE 2. 1: FINANCIAL HIGHLIGHTS...............................................................................7
TABLE 2. 2: RATIO ANALYSIS............................................................................................8
TABLE 2. 3 SWOT ANALYSIS..............................................................................................9
TABLE 2. 4 APPLICATION PROCESSING.........................................................................16
TABLE 2. 5 DB KEY PERFORMANCE AREAS.................................................................17
TABLE 2. 6 NUMBER OF COMPLAINTS...........................................................................18
TABLE 2. 7 SME COMPLAINTS AND IMPACT................................................................19
P
TABLE 4. 1 PROJECT COMPONENTS AND TECHNIQUES............................................30
TABLE 4. 2 CURRENT SITUATION ANALYSIS TOOLS.................................................32
TABLE 4. 3: KIPLING’S METHOD......................................................................................34
TABLE 4. 4: LOAN PROCESS- WORKFLOW CHART.....................................................37
TABLE 4. 5: POLICY AND PROCEDURE AMENDMENTS.............................................37
TABLE 4. 6: TURNAROUND TIME VS LOAN PROCESS STAGES................................42
TABLE 4. 7: TIME AND MOTION STUDY LOAN PROCESS WORKFLOW..................43
TABLE 4. 8: RESOURCE ALLOCATION OF PROJECT....................................................44
TABLE 4. 9: COST ESTIMATES..........................................................................................45
TABLE 4. 10: COST BENEFITS...........................................................................................46
TABLE 4. 11: PROJECT OUTPUT /OUTCOMES................................................................46
TABLE 4. 12: PROJECT TIME PLANNERS........................................................................47
iv
TABLE 2. 1: FINANCIAL HIGHLIGHTS...............................................................................7
TABLE 2. 2: RATIO ANALYSIS............................................................................................8
TABLE 2. 3 SWOT ANALYSIS..............................................................................................9
TABLE 2. 4 APPLICATION PROCESSING.........................................................................16
TABLE 2. 5 DB KEY PERFORMANCE AREAS.................................................................17
TABLE 2. 6 NUMBER OF COMPLAINTS...........................................................................18
TABLE 2. 7 SME COMPLAINTS AND IMPACT................................................................19
P
TABLE 4. 1 PROJECT COMPONENTS AND TECHNIQUES............................................30
TABLE 4. 2 CURRENT SITUATION ANALYSIS TOOLS.................................................32
TABLE 4. 3: KIPLING’S METHOD......................................................................................34
TABLE 4. 4: LOAN PROCESS- WORKFLOW CHART.....................................................37
TABLE 4. 5: POLICY AND PROCEDURE AMENDMENTS.............................................37
TABLE 4. 6: TURNAROUND TIME VS LOAN PROCESS STAGES................................42
TABLE 4. 7: TIME AND MOTION STUDY LOAN PROCESS WORKFLOW..................43
TABLE 4. 8: RESOURCE ALLOCATION OF PROJECT....................................................44
TABLE 4. 9: COST ESTIMATES..........................................................................................45
TABLE 4. 10: COST BENEFITS...........................................................................................46
TABLE 4. 11: PROJECT OUTPUT /OUTCOMES................................................................46
TABLE 4. 12: PROJECT TIME PLANNERS........................................................................47
iv
LIST OF FIGURES
FIGURE 2. 1: SME COMPLAINTS.......................................................................................19
a
FIGURE 3. 1: STUDY FRAMEWORK.................................................................................27
b
FIGURE 4. 1: ISHIKAWA DIAGRAM – CAUSE AND EFFECTS.....................................33
FIGURE 4. 2: 5WHY’S...........................................................................................................36
FIGURE 4. 3: SME PROGRAM LENDING MODEL...........................................................40
FIGURE 4. 4: PROJECT TEAM STRUCTURE....................................................................44
v
FIGURE 2. 1: SME COMPLAINTS.......................................................................................19
a
FIGURE 3. 1: STUDY FRAMEWORK.................................................................................27
b
FIGURE 4. 1: ISHIKAWA DIAGRAM – CAUSE AND EFFECTS.....................................33
FIGURE 4. 2: 5WHY’S...........................................................................................................36
FIGURE 4. 3: SME PROGRAM LENDING MODEL...........................................................40
FIGURE 4. 4: PROJECT TEAM STRUCTURE....................................................................44
v
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ACKNOWLEDGEMENTS
I would sincerely thank my mentor for providing me immense support and guidance while
carrying out the research. I would also like to express my gratitude towards colleagues,
friends and family members who assisted me at every step of this report. With the help of
their guidance and support, I was able to accomplish the dissertation. I would also be greatly
thankful to my team members for the assistance provided by them in collection of data and
its subsequent analysis.
vi
I would sincerely thank my mentor for providing me immense support and guidance while
carrying out the research. I would also like to express my gratitude towards colleagues,
friends and family members who assisted me at every step of this report. With the help of
their guidance and support, I was able to accomplish the dissertation. I would also be greatly
thankful to my team members for the assistance provided by them in collection of data and
its subsequent analysis.
vi
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EXECUTIVE SUMMARY
This report has enlightened a vital role of SME’s in innovation with context to the banking
industry of Qatar. It has hereby taken the Doha banks into consideration and has been carried
out in 5 significant sections. The foremost section has provided an overview of this report
with another section called problem identification that is meant to entail the actual issues
related to innovation in the SME’s of banking industry. For this purpose, various theoretical
models and frameworks have been used to analyze the current state of the market in terms of
invention and productivity from it. This has been followed by a theoretical framework for
diagnosis in the third section and the final project in the next section. Lastly, a discussion of
the acquired outcomes has been done at the end of the report.
vii
This report has enlightened a vital role of SME’s in innovation with context to the banking
industry of Qatar. It has hereby taken the Doha banks into consideration and has been carried
out in 5 significant sections. The foremost section has provided an overview of this report
with another section called problem identification that is meant to entail the actual issues
related to innovation in the SME’s of banking industry. For this purpose, various theoretical
models and frameworks have been used to analyze the current state of the market in terms of
invention and productivity from it. This has been followed by a theoretical framework for
diagnosis in the third section and the final project in the next section. Lastly, a discussion of
the acquired outcomes has been done at the end of the report.
vii
CHAPTER 1
INTRODUCTION
1.1 Background
SMEs play a critical role in innovation, advancement and sustainable development
worldwide. In today’s increasingly globalized world, SMEs around the world have to
unprecedentedly compete globally. SMEs attract greater attention of Banks worldwide in
current era in their conquest to increase market share and revenue growth. Nevertheless,
Qatar’s financial sector reflects the lowest financing penetration into SME segment within
the GCC despite of State’s committed strategic direction to diversify its economy with
prominence to developing the local SMEs. SME segment is the best alternative untapped
market that is envisaged lucrative for Qatari Banks resulting to recent regulatory
interventions in Retail space and aggressive competition in corporate space eroding banking
sector profitability. The complexities encountered in Investment banking arena also makes
SME banking encouraging for elevating bank’s bottom line in a risk averse manner.
Doha Bank was the first bank in Qatar to understand and appreciate the importance of the
critical role played by SMEs in the development of the Qatari economy. In view of this,
Doha Bank became the first bank to launch ‘Tatweer’, a dedicated SME unit in 2008.The
infrastructure development taking place in Qatar in the form of ports, roads, airports, rail,
telecom, other utilities and construction activity requires the support of SME businesses.
Doha Bank aims to actively participate in Qatar’s diversification story by encouraging the
SME sector.
In today’s highly competitive environment, speed of delivery and excellent customer service
plays a pivotal role in the success of any Bank. Our main problem start from here Doha
Bank’s is not providing the required speed of delivery. It’s facing delays in Turnaround Time
of SME Lending processing model. Such delays resulted in losing new and existing highly
potential customers, increasing customer complaints, negative impact on Bank’s image, and
loss of interest/commission income and reduction of lending portfolio, down fall of bank’s
profitability in SME lending.
1
INTRODUCTION
1.1 Background
SMEs play a critical role in innovation, advancement and sustainable development
worldwide. In today’s increasingly globalized world, SMEs around the world have to
unprecedentedly compete globally. SMEs attract greater attention of Banks worldwide in
current era in their conquest to increase market share and revenue growth. Nevertheless,
Qatar’s financial sector reflects the lowest financing penetration into SME segment within
the GCC despite of State’s committed strategic direction to diversify its economy with
prominence to developing the local SMEs. SME segment is the best alternative untapped
market that is envisaged lucrative for Qatari Banks resulting to recent regulatory
interventions in Retail space and aggressive competition in corporate space eroding banking
sector profitability. The complexities encountered in Investment banking arena also makes
SME banking encouraging for elevating bank’s bottom line in a risk averse manner.
Doha Bank was the first bank in Qatar to understand and appreciate the importance of the
critical role played by SMEs in the development of the Qatari economy. In view of this,
Doha Bank became the first bank to launch ‘Tatweer’, a dedicated SME unit in 2008.The
infrastructure development taking place in Qatar in the form of ports, roads, airports, rail,
telecom, other utilities and construction activity requires the support of SME businesses.
Doha Bank aims to actively participate in Qatar’s diversification story by encouraging the
SME sector.
In today’s highly competitive environment, speed of delivery and excellent customer service
plays a pivotal role in the success of any Bank. Our main problem start from here Doha
Bank’s is not providing the required speed of delivery. It’s facing delays in Turnaround Time
of SME Lending processing model. Such delays resulted in losing new and existing highly
potential customers, increasing customer complaints, negative impact on Bank’s image, and
loss of interest/commission income and reduction of lending portfolio, down fall of bank’s
profitability in SME lending.
1
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The overall study realizes Doha Bank’s financial sector challenges and lending architectural
laxities confining financing interest to this perceived lucrative market segment. The study
work, predominantly exploratory in nature, provides a comprehensive perspective to Bank’s
SME banking with an aim to establishing a competent lending operating model for SME
financing penetration, competitive advantage and revenue maximization.
The findings expose that Doha bank SME lending model to be revitalized to overcome
identified Delays in Turnaround Time. Finally, Recommendations are to be made to
revitalize the financing architecture of the bank, to profitably serve the SMEs at mass for
aggressive penetration whilst adequately mitigating credit risk attached to lending.
Recommendations include implementing internal MIS capabilities, streamlining and
simplifying the credit screening process and strategizing the lending approach to effectively
capture the significantly un-tapped SME market.
1.2 Project
This project mainly focusing on to identify the reasons behind the delays in Turnaround Time
of SME Lending processes in other wards issues in bank’s SME lending operational model.
The prime objectives will be to establish suitable SME lending operational model which will
meet the current market requirement of speed of delivery.
In addition to introducing a SME lending operational model, the project will also concentrate
on identifying constrains of Bank’s policy & procedures. Necessary recommendation to be
made to amend the bank policy & procedures in order meet the current market requirements
complying within bank’s compliance framework.
Further in order to address the customer complaints issues against SME lending, employee’s
productivity to be reassessed. A bench mark on expected standard of productivity will be
created and evaluate, monitor continuously.
Time Management or Analyzing the time GAP in SME lending process is also one of key
aspect of this project. This will help in identifying exact steps and its time delays in SME
lending process map. Such information is vital for when creating a suitable SME lending
operational model.
2
laxities confining financing interest to this perceived lucrative market segment. The study
work, predominantly exploratory in nature, provides a comprehensive perspective to Bank’s
SME banking with an aim to establishing a competent lending operating model for SME
financing penetration, competitive advantage and revenue maximization.
The findings expose that Doha bank SME lending model to be revitalized to overcome
identified Delays in Turnaround Time. Finally, Recommendations are to be made to
revitalize the financing architecture of the bank, to profitably serve the SMEs at mass for
aggressive penetration whilst adequately mitigating credit risk attached to lending.
Recommendations include implementing internal MIS capabilities, streamlining and
simplifying the credit screening process and strategizing the lending approach to effectively
capture the significantly un-tapped SME market.
1.2 Project
This project mainly focusing on to identify the reasons behind the delays in Turnaround Time
of SME Lending processes in other wards issues in bank’s SME lending operational model.
The prime objectives will be to establish suitable SME lending operational model which will
meet the current market requirement of speed of delivery.
In addition to introducing a SME lending operational model, the project will also concentrate
on identifying constrains of Bank’s policy & procedures. Necessary recommendation to be
made to amend the bank policy & procedures in order meet the current market requirements
complying within bank’s compliance framework.
Further in order to address the customer complaints issues against SME lending, employee’s
productivity to be reassessed. A bench mark on expected standard of productivity will be
created and evaluate, monitor continuously.
Time Management or Analyzing the time GAP in SME lending process is also one of key
aspect of this project. This will help in identifying exact steps and its time delays in SME
lending process map. Such information is vital for when creating a suitable SME lending
operational model.
2
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1.3 Significance of the study
The significance of this study is reducing turnaround time and increase productivity without
negatively impacting processes. Implementing new process and technology practices will
thereby be increasing productivity and capacity.
Due to the Turnaround Time Delays in SME Lending processes the bank has suffered huge
direct and indirect losses in terms of reputation, customer complaints, losing potential
customers, negative lending growth and low % of profits in SME lending. All these issues
are expected to be addressed positively through this project or from this study. Business
challenges such as reduce turnaround time, improve productivity in terms of loans per
person/per day, enact changes with no negative impact on accuracy will be resolved and can
be treated as advantages of this study.
Revise of bank’s policy & procedures in order to match the current market trend will resolve
the SME lending barriers and will have a positive impact on SME Lending portfolio. Which
will lead to upwards increase/growth of bank’s commission income, interest income and as
well as the profitability.
Further employee productivity assessments will also be more significant. Whereas
assessment outcome will clearly identify employee productivity GAP’s and will be great
insight for improvements or to consider alternatives such as remove old blood and infuse new
blood to boost the employee productivity.
1.4 Methodology
A well-defined problem is significant to implementing the research course of action for
appropriate assessment, justification and recommendations to the study performed. The
methodology should secure insights to all pertinent aspects which has a bearing to the
identified problem facilitating ultimate understanding of the problem background and
effectively guides in recommending best suited solution whilst overcoming ambiguities.
(Zikmund, 2008)
3
The significance of this study is reducing turnaround time and increase productivity without
negatively impacting processes. Implementing new process and technology practices will
thereby be increasing productivity and capacity.
Due to the Turnaround Time Delays in SME Lending processes the bank has suffered huge
direct and indirect losses in terms of reputation, customer complaints, losing potential
customers, negative lending growth and low % of profits in SME lending. All these issues
are expected to be addressed positively through this project or from this study. Business
challenges such as reduce turnaround time, improve productivity in terms of loans per
person/per day, enact changes with no negative impact on accuracy will be resolved and can
be treated as advantages of this study.
Revise of bank’s policy & procedures in order to match the current market trend will resolve
the SME lending barriers and will have a positive impact on SME Lending portfolio. Which
will lead to upwards increase/growth of bank’s commission income, interest income and as
well as the profitability.
Further employee productivity assessments will also be more significant. Whereas
assessment outcome will clearly identify employee productivity GAP’s and will be great
insight for improvements or to consider alternatives such as remove old blood and infuse new
blood to boost the employee productivity.
1.4 Methodology
A well-defined problem is significant to implementing the research course of action for
appropriate assessment, justification and recommendations to the study performed. The
methodology should secure insights to all pertinent aspects which has a bearing to the
identified problem facilitating ultimate understanding of the problem background and
effectively guides in recommending best suited solution whilst overcoming ambiguities.
(Zikmund, 2008)
3
An in-depth understanding of the problem background will be arrived through an exploratory
study based on SWOT analysis; Cause & effect analysis and Time and motion analysis
covering various elements relevant to the study and has a reflection to the identified problem.
The design of the study is primarily focused on discovering the perception of Doha bank
employees who are actively engaged in SME/Corporate Lending in order to assess Bank’s
SME banking framework. Cross functional teams engaged in SME/Corporate Banking from
business, underwriting and risk assessment departments are surveyed upon to retrieve an
unbiased and experienced view, which was elementary to addressing the identified problem.
Initially SWOT analysis will be done to ascertain current situation of Doha Bank’s SME
Lending processes strengths, weaknesses, opportunities, threats. Depending on the SWOT
outcome impacting issues will be identified and the causes which impact the delays in
Turnaround Time in SME Lending processes or SME Lending operational model.
The Cause and Effect analysis will be used as a technique to find out the reasons behind the
problem. Fishbone diagram is an analysis tool. By using the fish-borne diagram, it will be
possible to determine problems which make SME Lending process lengthy.
Time and motion study will be used to change and update of work frameworks. This
coordinated way to deal with work framework change is known as strategies engineering. At
the end through the identified techniques a suitable solution with recommendations will be
provided against the components and highly productive SME Lending processes model will
be put forward as solution to the identified problem.
1.5 Limitation
Specifying scope of the study is subject to time constraints and practical difficulties arising in
collecting information related to the topic and time Limitations.
1.6 Chapter Framework
Chapter Two will discuss about the selected organizational profile, organizational analysis,
key issues and problem and finally description of the problem supporting with data linked to
the selected organization.
4
study based on SWOT analysis; Cause & effect analysis and Time and motion analysis
covering various elements relevant to the study and has a reflection to the identified problem.
The design of the study is primarily focused on discovering the perception of Doha bank
employees who are actively engaged in SME/Corporate Lending in order to assess Bank’s
SME banking framework. Cross functional teams engaged in SME/Corporate Banking from
business, underwriting and risk assessment departments are surveyed upon to retrieve an
unbiased and experienced view, which was elementary to addressing the identified problem.
Initially SWOT analysis will be done to ascertain current situation of Doha Bank’s SME
Lending processes strengths, weaknesses, opportunities, threats. Depending on the SWOT
outcome impacting issues will be identified and the causes which impact the delays in
Turnaround Time in SME Lending processes or SME Lending operational model.
The Cause and Effect analysis will be used as a technique to find out the reasons behind the
problem. Fishbone diagram is an analysis tool. By using the fish-borne diagram, it will be
possible to determine problems which make SME Lending process lengthy.
Time and motion study will be used to change and update of work frameworks. This
coordinated way to deal with work framework change is known as strategies engineering. At
the end through the identified techniques a suitable solution with recommendations will be
provided against the components and highly productive SME Lending processes model will
be put forward as solution to the identified problem.
1.5 Limitation
Specifying scope of the study is subject to time constraints and practical difficulties arising in
collecting information related to the topic and time Limitations.
1.6 Chapter Framework
Chapter Two will discuss about the selected organizational profile, organizational analysis,
key issues and problem and finally description of the problem supporting with data linked to
the selected organization.
4
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