Amin Mohammad Group is a market leader in the realestate building and development sector.

It consists of the following subsidiaries :

 Amin Mohammad Foundation Ltd. (AMFL)
 Amin Mohammad Lands Development Ltd. (AMLDL)
 Amin Construction Ltd. (ACL)
 Amin Mohammad Engineers Associates Ltd. (AMEAL)
 Mohammad Properties Ltd. (MPL)
 Mohammad Builders Ltd. (MBL)
 M. Chan Trading (MCT)
Amin Mohammad Group now looks forward to further grow to become the largest real estate
developer and one of the most diversified industrial conglomerates in Bangladesh. Diversification
in business and out let the best possible human requirements; the group is harping to undertake
the following ventures in near future:

 Working for establishing LPG plant to fulfill market shortfall.

 Establishing numbers of industries for construction consumables.
 Very soon, the battery project will bring best possible batteries in the market.
 AMG has highly qualified, experienced, dynamic and inspired management team and human
resources. It emphasizes on professionalism and other regular management training for its
people to convert the workforces into real achievers. Peoples are the main strength of Amin
Mohammad Group.
 Vision
 To be a world class company in developing ideal investment opportunities and innovative real
estate solutions, both locally and globally, that exceeds our clients' expectations.

Mission
 To provide the finest real estate services in the region based on the highest standard of ethics,
values and client care. In so doing, we will earn the loyalty and trust of the buyers who will
become our life long clients and friends. Our success will always be measured by the
happiness and the loyalty of our clients.
 To develop quality residential & Commercial properties with high standards at affordable
prices and achieve customer satisfaction.
 To achieve excellence in Real Estate Development, for the benefit of our customer, nation and
society through professionalism, ethics, quality and customer service.
 To respect and comply with Safety, Environmental and legal requirements.
 To continually improve our competitive edge through innovations, Motivations Suggestion
Schemes, and Customer Feedbacks.
 Special Facilities for NRBs
The best services for NRB's including:
 Specially selected Projects
 Easy Payment Policies
 Bank Loan Facilities
 Special discount for NRB's
 Transport Service
 Occasional visit to overseas to meet personally
& lot more..
 Overview of WCM

According to the Interviewee, there are some facts works such as: credit from banks and other
financial institutions. For making a building they need to purchase the inventory like rod, cement,
bricks or seasonal effect.

For these reason they have to gathered stock. They have to collect some facilities from the
external parties. For the above reason they need some amount using as WC for every project.

According to the Real State industry, there are fixed investment. They use some amount as WC
when they start a project. And some funds are also used as the expense of project construction.

When organization have receivables and payables at the same time, there raised a fund gape,
these gape amount is known as working capital.
 WCM procedure of “Amin Mohammad Foundation Ltd.”

They collect amount from the client and using the amount in building. Sometimes fund also
collected as bank loan. For these they allow some specific time. Suppose they will get taka after
two months or if they want to build up the stock than some funds fixed in this situation. The
funds fix also for some current assets.
Working capital arranged in two ways: (a) free cash in hand meet up the need of WC, (b) bank
financing also help to get the WC, such as – overdraft loan, CC, short term loan etc.
 Working Capital Investment and Financing procedure of
“Amin Mohammad Foundation Ltd.”
For business growth they invest from the existing return earnings. When business operations
are rising up, then they collect funds from there as an organic way. Return earning
supports in this situation.
For extra ordinary growth they need to go for external financing. Such as: BMRE; they take
the loan based on a special project and making a fund repayment schedule in specific
time.
For extra ordinary growth owner investment in required but in this firm owner doesn’t want
to invest, so the firm goes for external financing.
 Cash Management Procedure of “Amin Mohammad Foundation Ltd.”

It depends on “With in a situation”. Collecting the receivable they have a separate management
who always try to collect the cash asap. In business it’s quite difficult to maintaining the aging,
that’s why it have to manage in a friendly way. Forcing is harmful to exist in the market. It is very
important to maintain a good relationship with the external stakeholders. It’s also important to
raise the credit time in with in situation. But it may create loss if you increase the credit time
more and more. Such losses are: (a) reputation, (b) price looser.
 Account Receivable Management Procedure

This organization has standard credit system, such as 13 or 15 days to 60 days. For collecting the
receivable, company depends on the strong aging. If the collection interrupts it will hamper the
production. Basically the aging is monitored by the organization. Depending on aging the fund is
collected.
 Payable & Accruals Management Procedure

Maximum party has standard credit part, which may start from 13 or 15 days to 60 days.
Organization has the credit aging to repay. The payable age counting starts from the receiving of
the bill. In the maturing date company does the payment, in this situation they may could be use
some funds from the fund of WC requirments. When organization face the shortfall or fund crisis,
it utilize the WC to pay the bills. The payment depends upon the strong aging system. Company
also maintain a repayment schedule.
 Short-term Marketable Securities Management Procedures

If the company has the sufficient fund, they are going for

 Reinvestment.

 Open new project for company growth

Their relation only with the financial institutions and with bank. They don’t take any loan and
don’t go for partnership with the general people.
  Overall Findings
 The firm smartly manage it’s WC.
 Their fund is sufficient most of the time, which help them to operate it’s day to day
businesses.
 Operate it’s total business via bank or financial institutions.
 They don’t have any marketable securities, there is no relation between them and the general
people.
 They manage their inventory in a systematic way, they purchase raw materials based on their
project, in this sense they use just in time approach.
 They take the advance payment from the client and used it in building.
 Storng aging system help to collect and payment the clients. And it monitored by a special
management.
 Conclusion

“Amin Mohammad Foundation Ltd.” is a good organization where the WCM procedures can be
studied perfectly. All the topics regarding on our study are well managed in this company. For
every work one specific management is ready to do the work. As it is a real state company it has
no financial connection with the general people. In this point of view, the company is an ideal
organization who does it’s all financial works via bank. They also keep a good relation with the
suppliers as well as with the customers.