Pest Analysis Template For Pharmaceutical Industry - Free Download | Page 7
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A STUDY ON THE IMPACT OF PEST ANALYSIS
Figure 3. Monthly earning indices in pharmaceutical industries. Source: The Bangladesh Bureau of Statistics.
Figure 4. Daily wage rate indices for non-agriculture day labor. Source: The Bangladesh Bureau of Statistics.
The impact of interest rates and exchange rates on this sector. An interest rate is the rate at which
interest is paid by a borrower for the use of money that they borrow from a lender.
Persistent loan defaults have become an order of the day in developing countries. There have been hardly
any bank or development financial institutions (DFI) in developing which has not experienced persistent loan
default. This is evidenced by the under capitalization and illiquidity of 160 DFIs in 33 developing countries.
Bangladesh Bank governor Atiur Rahman has asked the commercial banks to reduce their interest rates to
accelerate industrialization, alleged that many banks were imposing 14%-15% interest on industrial loan after the
withdrawal of the ceiling, and that some service charges are being realized at much higher rates (See Figure 5).
Inflation rate which affects this sector. Inflation is a sustained increase in the average price of all goods
and services produced in an economy. Money loses purchasing power during inflationary periods since each
unit of currency buys progressively fewer goods.
Bangladesh has had an inflation of 5.4% during the last fiscal year (2009-2010). Price Inflation greatly
effects time value of money (TVM). It is a major component of interest rates which are at the heart of all TVM