AB Bank Limited is one of the first generation private commercial banks (PCBs) incorporated in Bangladesh on 31 December 1981 as a public limited company under the Companies Act 1913, subsequently replaced by the Companies Act 1994, and is governed by the Banking Companies Act 1991. The Bank went for public issue of its shares on 28 December 1983 and its shares are listed with Dhaka Stock Exchange Ltd and Chittagong Stock Exchange Ltd respectively. AB bank Limited has 82 Branches including one (1) Islami Banking Branch, one (1) Overseas Branch in Mumbai, India. The Bank has four subsidiary companies, AB Investment Limited, AB Securities Limited, Cashlink Bangladesh Limited, incorporated in Bangladesh and AB International Finance Limited, incorporated in Hong Kong.
OVERVIEW OF TRUST BANK LIMITED
The year 2009 was
challenging for all of TBL due to global economic crisis. In the early part of
the year, the global economy was in a severe recession inflicted by a massive
financial crisis and an acute loss of confidence. However, although TBL is not
insulated, Bangladesh
economy was able to manage to ward off the global impact and maintained a
commendable resilience by registering 5.9 percent GDP Growth in FY 2008-09.
FY2009-10 started its journey at a time when lagged impact of the crisis, as
apprehended, was becoming evident. Hence, a lower growth target of 5.5-6.0
percent was fixed for FY 2009-10 in view of the emerging challenge.
Labels:
limited,
Overview,
TRUST BANK
Natural Law and Natural rights: the autonomous of individual
“No Man should be condemned
unheard.”-----Lord Eshar
This is the basics of natural Law
and Natural rights. Philosophers and jurist did not leave human rights solely
to theologians. The latter used theology to present the basis of human rights theory
stemming from a law higher than the state and whose source is the Supreme
Being. The belief that human beings created in the image of god, endows human
with a worth and dignity. Here, Thomas Aquinas and Grotius defined human rights
as a dictate of rights reason’. The dictate of right reason focuses that as
human being every person have some rights which is rationale and realistic. All
these right have some logical and moral basis.
Labels:
autonomous,
individual,
Natural Law,
Natural rights
Overall recommendations and suggestions for Bangladesh Civil Service (BCS)
- Our recruitment system is not fully established on merit. So it is necessary that recruitment and selection process should be based on merit to face the 21th century.
- As the recruitment system is based on traditional system. So an examination recruitment reform committee should be formed to modernize the examination system.
Labels:
Bangladesh,
BCS,
Civil Service,
Overall,
recommendations,
suggestions
Role of Central Personnel Agencies in Bangladesh Civil Service (BCS)
Executive Body & Constitutional Body
A central personnel agency may be defined as an organ which deals with personnel functions having government wide implications (Ahmed, S.G, PPAB,1986,p-14)
The public personnel administration in Bangladesh is conducted within a unified framework. The two central personnel agencies (Executive and Constitutional) of government of Bangladesh are Ministry of Public Administration and Public Service Commission (PSC).
Training in Bangladesh Civil Service (BCS)
“Trained manpower is essential for any organization-public or private. This is because the successful management of function in any organization depends on quality and skill personnel who run it. Training is seen as an important tool to improve quality and skill of the personnel who run it”
-A.M.M. Shawkat Ali
-A.M.M. Shawkat Ali
Labels:
Bangladesh,
BCS,
Civil Service,
Training
Promotion from deputy secretary to secretary in BCS
Responsible Body: Superior Selection Board (SSB)
In the recent past, SSB/ MoPA have changed the criteria for promotion to the post of deputy secretary and joint secretary. SSB has devised a scoring system that takes into account academic performance and ACRs from the beginning to date. MoPA has formed regulation for promotion to various posts in the secretariat.
The criteria that includes educational qualifications. Total 100 marks are distributed as shown following table:
Promotional Process and Exam in BCS (Bangladesh Civil Service)
The subjects for promotion examination cover three areas:
Part 1: Bangladesh and current affairs
Part 2: Acts rules and systems applicable in use of all officers of BCS;
Part 3: Matters relating to works of respective cadres
Full marks: 30
Pass marks: 50%
Part 2: Acts rules and systems applicable in use of all officers of BCS;
Part 3: Matters relating to works of respective cadres
Full marks: 30
Pass marks: 50%
Labels:
Bangladesh,
BCS,
Civil Service,
Exam,
Process,
Promotional
Methods of recruitment to BCS (Bangladesh Civil Service)
Recruitment is done by the following ways:
- Direct recruitment through competitive examination
- Appointment by promotion
- Appointment by transfer or deputation
Labels:
Bangladesh Civil Service,
BCS,
Methods,
Process,
Recruitment
Holy Life (HL) Real Estate Ltd.
“HL REAL ESTATE Ltd.” is one of the sister concern of “H L GROUP”. In history of Planning of city of Bangladesh, Holy Life (HL) Real Estate Ltd. has embarked upon a mission to make the maximum use of minimum land being sensitive to both environmental concerns and social continuity. Planned development by Holy Life (HL) Real Estate Ltd. of the sites around the city has added value to those areas released pressure on inner cities and persecuted the city dwellers with breathing space. HL Real Estate at Corporate Branch has currently 150 employees, including drivers & peons. I have worked as an internship at Holy Life (HL) Real Estate Ltd. – Corporate Branch from 14th February. Holy Life (HL) Real Estate Ltd. is a fastest growing housing company in Bangladesh.
Labels:
Holy Life,
Real Estate Ltd
Promotion in Bangladesh Civil Service (BCS)
Promotion is the advanced of an employee’s rank or position in an organizational hierarchy system. The primary purpose of promotion is to fill a post through the selection of the most suitable person for the selection of the position or grade that is vacant.
Threat of substitute products
The position of substitute products is a matter of searching for other products that can perform the same function as the product of the industry or player in the industry (Heracleous, 2004). The bargaining power of both suppliers and buyers and also the threat of substitutes; the extent to which there are products/services which are close substitutes for the product/services of the industry in question, are also considered as part of the five forces. The presence of substitutes in case of telecom industry is very moderate and the switching costs for the buyers are relatively low. In case of Bangladesh mobile telecom industry, substitutes exist in the form of government land lines and some upcoming PSTN operators. Some additional substitutes include wireless Internet providers such as WiMax based companies, Bangla Lion and Augere, which has been desperately marketing its brand Qubee since its entry to the market.
Labels:
products,
substitute,
Threat
Role and effect of quota system of BCS (Bangladesh Civil Service Commission):
The existing 55% of non merit quota in Bangladesh Civil Service (BCS) violates the Article-29 of our constitution which speaks only about under-privileged group. But quota for women is not included in under-privileged group.
Labels:
Bangladesh,
BCS,
Civil Service,
Commission,
effect,
quota,
Role,
System
Statistics of last three BCS (28-30):
SL.
|
Total
applicants
|
Pass in
preliminary & written test
|
Pass in
viva-voice
|
Recruitment
in cadre
|
28th BCS
|
120946
|
5881
|
5105
|
2190
|
29th BCS
|
123949
|
7217
|
5062
|
1722
|
30th BCS
|
147395
|
9059
|
5810
|
2367
|
Labels:
BCS,
gender,
last three,
quota,
Statistics,
unfilled quota
Recruitment policies and conditions of Bangladesh Civil Service Commission (BCS)
In 1976, the recruitment rules for appointment to superior post were framed. On the other hand, the government of BD in September 1972, which guided recruitment to various services and posts, announced the Interior Recruitment Policy.
Labels:
Bangladesh,
BCS,
Civil Service,
Commission,
conditions,
policies,
Recruitment
Recruitment and Selection in Bangladesh Civil Service (BCS)
Recruitment is the process of searching for prospective employees and stimulating them to apply for jobs in the organization (Flippo and Edwin 1984: 141). No element of the career service system is more important than the recruitment policy” (Commission of Inquiry on Public Service Personnel, 1935:37, quoted in Stall 1962:51). Recruitment is the cornerstone of the whole personnel structure. Unless recruitment policy is soundly conceived, there can be of little hope of building a first rate staff (Stall, 1962: 51). Broadly, there are two major methods for recruitment to civil service: (a) merit system through competitive examination and (b) spoils system. Under the typical civil service law, the central personnel agency commonly called Public Service Commission is responsible to conduct competitive examination. Spoils system (also known as a
patronage system) is an informal practice where a political party, after winning an election, gives government jobs to its voters as a reward for working towards victory, and as an incentive to keep working for the party—as opposed to a system of awarding
patronage system) is an informal practice where a political party, after winning an election, gives government jobs to its voters as a reward for working towards victory, and as an incentive to keep working for the party—as opposed to a system of awarding
Labels:
Bangladesh,
BCS,
Civil,
Recruitment,
Selection,
Service
The Secretariat System of Bangladesh
Since the British colonial days, the Secretariat (Bangladesh’s equivalent of the Whitehall) has been the pivot around which the entire system of public administration works. It may be described as the nerve center of all governmental activities, where policies are conceived, initiated, designed, and apportioned to field agencies for implementation. The Secretariat refers to a conglomerate of all ministries and divisions under them. The principal purpose of the Secretariat is to establish among discrete self-contained hierarchical units a formal network of authority relationships,
Labels:
Bangladesh,
Secretariat,
System
Structure of Civil Service Commission of Bangladesh
Basic information about structure of civil service
Type
|
Number
|
Number
of Cadres
|
28
|
Number
of Class-1 Officers
|
40000
|
Number
of Ministries
|
31
|
Number
of Divisions
|
52
|
Number
of Departments
|
254
|
Number
of Statutory Bodies
|
173
|
Labels:
Bangladesh,
Civil,
Commission,
Service,
Structure
The Structure of Bangladesh Civil Service
The government of Bangladesh has a two-tier administrative system. The upper tier is the central secretariat at the national level consisting of the ministries and divisions to provide policies and to perform clearinghouse functions. The other tier consists of ‘line’ departments/directorates attached to the ministries and divisions that are mainly responsible for general administration, service delivery to citizens and implementation of various government development programs at the sub-national level. (Ahmed: 2002). At present, the Bangladesh civil service has more than one million civil servants in 31 ministries, 52 divisions, 254 departments and 173 statutory bodies (MOE:2010). The internal organization structure of a ministry reflects a hierarchical order. A minister is in charge of a ministry and is normally the “political head” of that ministry.
Labels:
Bangladesh,
Civil,
Service,
Structure
Human Resources Management (HRM) in Bangladesh Civil Service
In the years of East India Company’s rule, the system of civil services was first established in the Indian Sub Continent. With its slight modification, this system with colonial legacy continued through both in Pakistan and India after partition of the Indian Sub-Continent in 1947, and is designated Bangladesh Civil Service after the emergence of Bangladesh. At the early stage of British rule in India, two exclusive groups of civil servants were working with the central government, such as (a) Covenanted Servants signing an agreement with the East India Company, (b) Uncovenanted Servants not signing the agreement.
Labels:
Bangladesh,
BCS,
Civil,
HRM,
Human,
Management,
Resources,
Service
Development of Public Personnel Management (PPM) in Bangladesh
Public personal administration operates in a milieu of checks and balances. Especially this is a true in a government of a popular and democratic type. Because the personal system in such a government-particularly the system under which civil servants are recruited, the legal status as regards their tenure of employment, their compensation, opportunities for advancement, working conditions is one in which distinct parties have a direct interest; the general public, the government viewed as an employer and the employees.
Labels:
Bangladesh,
Development,
Management,
Personnel,
PPM,
Public
How to Lie Statistics By DARRELL HUFF
DARRELL HUFF wrote the book “HOW TO LIE WITH STATISTICS” to make people able to ask questions about statistics is a proper way it makes people understand many hidden ploys of statistics. It is a manual to understand some cheating in statistics.
Labels:
DARRELL HUFF,
How to,
Lie,
Statistics
I do not expect any rehabilitation- A case study of a Sex worker in Dhaka City
XX is thirty. She is divorced and mother of a ten years old son. XX was born at Dinajpur district, northern part of Bangladesh. Her husband divorced her seven years back. XX has studied up to primary level. XX’s son works in a chocolate factory. She along with her son resides in . Her son does not know about her profession of brothel. XX said that five years back she used to work in a rice mill and worked there also on overtimes. One night she was called by the manager to his room to collect her wage and going there she found that the manager locked the door and proposed her to entertain him.
Labels:
case study,
Dhaka City,
rehabilitation,
Sex worker
Recommendation to Overcome From Obstacles for SWOP
- To ensure sustainability of the SWOP.
- To ensure proper fund / donors for SWOP
- To ensure the residential nurses for the welfare of the patient.
- Establish hostel facilities for the patients more than one attendant.
- Increase health facilitator and ambulance services for the patient.
- Make health awareness among the patient.
- Ensure good relationships with renewed Medical specialists, experts, Hospitals, clinics and pathological / Diagnostic centers.
Labels:
From,
Obstacles,
Overcome,
Recommendation,
SWOP
Problems of SWOP
Although SWOP provides all types of health facilities to the patient though it has some limitations.
Limitation of SWOP resources:
SWOP has no own found. It is directed by the ADP fund and other donor agencies. As a result it can not provide services to family.
Limitation of SWOP resources:
SWOP has no own found. It is directed by the ADP fund and other donor agencies. As a result it can not provide services to family.
Contribution of SWOP in Medical Social Work of Bangladesh
Social Welfare Outreach Project (SWOP), is a special Health care project of World Vision Bangladesh. The project had started in 1985 and mostly served secondary and tertiary health services to the poor and oppressed sponsored, non-sponsored children and their families, and community members who came from different world vision project areas.
Labels:
Bangladesh,
Contribution,
Medical,
Social Work,
SWOP
Present Situation of Health Services in Bangladesh
Govt. Sector:
The services rendered by the government through the government hospital are far away from the rural poor people. They can not avail the services from the hospital for the corruption of health sectors. In resent time there are 92010 registered doctors in Bangladesh. The ratio of doctor: population is 7:3950. The registered nurses are 22000. There are 280 Govt. hospital in Bangladesh.
The services rendered by the government through the government hospital are far away from the rural poor people. They can not avail the services from the hospital for the corruption of health sectors. In resent time there are 92010 registered doctors in Bangladesh. The ratio of doctor: population is 7:3950. The registered nurses are 22000. There are 280 Govt. hospital in Bangladesh.
Labels:
Bangladesh,
Health,
Present,
services,
Situation
Health Structure of Bangladesh
The medical care services in Bangladesh are not enough, as we need. The health care services in Bangladesh are characterized with the shortage of doctors and nurses, medical institute, medicine and other medical equipment. People from the well-off family get the services from any private hospitals and clinics.
Labels:
Bangladesh,
Health,
Structure
Scope of Medical Social Work in Bangladesh
In Bangladesh, the department of social service operates hospital social service programs. There are many scope of medical social work in our country. Now we can discuss about the scope –
Labels:
Bangladesh,
Medical,
Scope,
Social,
Work
Medical Social Work in Bangladesh
- In 1954: In Bangladesh Medical social work introduces at the middle of twentieth century. The UNO and the Red Cross helped to run an experimental medical social work program in Dhaka Medical College.
- In 1959 : After the formation of national council of social work the peace of speediness of medical social work continues.
Labels:
Bangladesh,
Medical,
Social Work
Historical Perspective of Medical Social Work
The emergence of medical social work has been partly the result of an evolutionary process and partly the profession’s reaction to the changing situation and needs of health care system. The necessity of medical social work practice in health sector was first felt in England in the 1885 when discharged patients of mental hospitals needed after care in their homes to avoid recurrence of illness. Visitors went to the patients home and advised family and friends about the necessary care of the patient.
Labels:
Historical,
Medical,
Perspective,
Social Work
Concept of Medical Social Work
Medical
social work is a method of modern social work by which social work knowledge,
methods and strategies are used in medical sector.
According
to, Robert L. Barker 1995 has defined – “The medical social work practice that
occurs in hospitals and other health care Settings to facilitate good health,
prevent illness, and aid physically ill patients and their families to resolve
the social and psychological problems related to the illness.”
Problems and Prospects of Medical Social Work in SWOP
Medical social work is a sub discipline of social work. It provides a comprehensive service for human beings. It covers all the aspects of human life, like economic, social, health care, recreational and emotional settings. The development of social work profession was started from medical setting. With the increased understanding that illness can be caused or execrated by a variety of social or psychological factors. social work has gained a more central role in this field.
Strategies of SWOP in providing services
- We register the patients names with other information & case history in our record Books/files;
- Arrange accommodations in the SWOP Hostel as long as they need to stay for their diagnosis and Treatment purposes;
- The concerned Child Care Officers consult/liaise with appropriate Physicians/Hospitals/Clinics/Chambers and make appointment with them;
Labels:
providing,
services,
Strategies,
SWOP
Administrative Structure of SWOP
Project Manager 1 person
Accounts Officer 1 person
Health Program Organizer 1 person
Child Care Officer 2 persons
Health Facilitator 2 persons
Accounts Officer 1 person
Health Program Organizer 1 person
Child Care Officer 2 persons
Health Facilitator 2 persons
Labels:
Administrative,
Structure,
SWOP
MAJOR ACTIVITIES OF SWOP
* Contact Doctors/Clinics/Hospitals for facilitating necessary Diagnosis/Investigations and Medical Treatments and follow up for referral patients coming from ADPs.
* Arrange short-term accommodation with appropriate diet/food and serve with other necessary services during their stay at SWOP Hostel.
* Arrange Pathological Investigations, Medicine support, appropriate diet/food and other necessary services for the patients who are under treatments in different clinics/ Hospitals.
* Arrange short-term accommodation with appropriate diet/food and serve with other necessary services during their stay at SWOP Hostel.
* Arrange Pathological Investigations, Medicine support, appropriate diet/food and other necessary services for the patients who are under treatments in different clinics/ Hospitals.
Labels:
Activities,
MAJOR,
SWOP
Goal and Objectives of SWOP
Goal
To assist the ADPS and Special Projects of WVB to ensure curative Health Services by coordinating and implementing Secondary and Tertiary level of Treatments of the patients for improving the health status of the community of the respective ADPS/Projects
To assist the ADPS and Special Projects of WVB to ensure curative Health Services by coordinating and implementing Secondary and Tertiary level of Treatments of the patients for improving the health status of the community of the respective ADPS/Projects
Labels:
Goal,
Objectives,
SWOP
Activities of World Vision Bangladesh
Activities of World Vision Bangladesh are mentioned below by turns:
Years
|
Activities
|
1970
|
Started programs in Sandip, Hatia & different
coastal areas through giving relief.
|
1971
|
The refugee of Bangladesh
who were in India
were provided service.
|
1972
|
Assistance for the rehabilitation and
infrastructural development in
Mymensingh.
|
1973
|
Started 18 new projects.
|
Labels:
Activities,
Bangladesh,
World Vision
World Vision Bangladesh
World Vision is an international partnership of Christians whose mission is to follow our Lord and Saviour Jesus Christ in working with the poor and oppressed to promote human transformation, seek justice and bear witness to the good news of the kingdom of God.
Labels:
Bangladesh,
Vision,
World
Background of Social Welfare Outreach Project
Social Welfare Outreach Project (SWOP) is a special
Health Care Project of World Vision Bangladesh. This project started in May
1985 with a view to provide secondary and Tertiary medical assistance to the
children and adults of the WVB projects with preference to the Sponsored
children who are medically and physically handicapped.
Labels:
Background,
Outreach,
Project,
Social,
Welfare
What is Social Welfare Outreach Project (SWOP)
Social Welfare Outreach Project (SWOP) is a special
Health Care Project of World Vision Bangladesh. The Project started in 1985 and
mostly served secondary and tertiary health services to the poor and oppressed
Sponsored, Non-sponsored children and their families, and community members who
come from different WV project areas. World Vision Hong Kong has been funding
it since the inception of the Project.
Labels:
Outreach,
Project,
Social Welfare,
SWOP,
What
Scope of social work
Development
setting:
In development setting tries to develop the
socio-economic condition of the poor people. They provide micro finance and
training for the empowerment of the
women.
Child welfare service:
Main purposes are stopping child labor providing
vocational training job based training and rehabilitation of illicit baby. Day
care child care baby home and SOS children village provide services for the
child of the society.
Labels:
Scope,
Social Work
SOCIAL WORKERS’ ETHICAL RESPONSIBILITIES TO COLLEAGUES
Respect
Social workers should treat
colleagues with respect and should represent accurately and fairly the qualifications,
views, and obligations of colleagues.
Labels:
COLLEAGUES,
ETHICAL RESPONSIBILITIES,
SOCIAL WORKERS
Code of Ethics of field Practice
Social Workers’ Ethical Responsibilities to Clients
Commitment to Clients
Social workers’ primary responsibility is to promote the well-being of clients. In general, clients’ interests are primary.
Commitment to Clients
Social workers’ primary responsibility is to promote the well-being of clients. In general, clients’ interests are primary.
Labels:
Code,
Ethics,
field Practice
Aims and Objectives of Field Practicum
The objective of field work program in social work education is to provide the student with actual experience in applying social work methods and enable him/her to become familiar with the real work of practice that is, to relate academic theory to concrete reality as found in the agency setting
Labels:
Aims,
Field Practicum,
Objectives
Concept of Field Practicum
The pattern of social work education, of which
field work is an integral part, in our country is in most part borrowed from
the west. Field work is essential relating to the existing conditions at the
agency level- its policies and programs, its resources, personnel, the
supervisory practices etc. It is considered to be an integral part of social
work education. In this process we get opportunity to apply theoretical
knowledge and techniques in the field to meet the social problems. Here some
definitions may be cited given by different scholars.
Labels:
Concept,
Field Practicum
Concept of Social Work
Social work is one of the applied and recent branch of knowledge which deals with the scientific solution and treatment of the psycho-social problems. Social work as a profession seeks to enhance the social functioning of individuals, singly and in groups. By resorting various types of activities it focus upon their social relationships which constitute the interaction between man and his environment. (Ray, 2009-10) Some scholars have ventured to find their own definitions regarding the term social work. Some of definitions may be cited here,
Labels:
Concept,
Social Work
A Case of a sex worker in Dhaka City.
X is twenty. She is married for 5 years and mother of a four years old daughter. X was born at Island district Bhola. X is illiterate. Her husband knows about her profession of brothel and allows her to do so, as he is quite dependent on her earnings. X along with her family resides in a slum of Dhaka City railway station. She picked up this profession 3 years back. When X was in the third year of her marriage her husband brought a few of his drunken friends to their house and allowed them to enjoy sex with his wife by force and from then on X was left with no choice except brothel.
Labels:
Case,
Dhaka City,
Sex Workers
Background Information of Floating Sex Workers in Dhaka City
Brothel is the oldest profession, and the existing of selling female sex for the gratification of males is also one of the oldest vices in society (Joarder, 1984:12). Among the reasons behind the beginning and sustaining of the profession, the subordination and weaker position of women in the socio-economic structure of society can be assumed as most significant. The profession could not sustain unless there was any demand from the males. Again, throughout the history, economic interests led conflict, war, and conquest that in many respects paved the way to women’s subjugation, forced sexual exploitation, and labeling as sex workers class.
Labels:
Background,
Dhaka City,
Floating,
Information,
Sex Workers
What is a Brothel
Since male dominance and patriarchy are widely recognized factors for so many facets of gender discrimination gender violence, the brothel is very much a related phenomenon to unequal gender relation. Because of the state being patriarchal, there is a link between state and brothel. That’s why Khan and Arefeen in their study titled ‘‘State and Brothel: An observation”, discussed brothel from the Feminist perspective” (Khan and Arefeen, 1988: 59-80).
Labels:
Brothel,
Sex Workers
Historical background of sex worker
The history of brothel extends to all ancient and modern cultures (Jenness, 1990 & Bullough, 178). It has been described as "the world's oldest profession” (Keegan, 1974). However, this is only a matter of speech. Most would dispute this claim, supported by the argument that hunting and farming likely took place first in human history. This aside, hunting and farming are not professions unless done for profit.
Labels:
History,
Sex Workers
Relationship between Peace and Development
Development is the precondition for establishing peace. So peace is impossible without development which means that there is a close relation between development and peace. Whenever development is ensured, peace is automatically established at that time. In this way, development always helps to sustain peace. Whereas poverty is a course which diminishes an individual’s faith in his capability and, in turn perpetuates inequality. The inequality threatens the social fabrics, and jeopardizes peace and security in any society. With reference to this connection, “micro credit is not a panacea for all poverty reduction problems but it is the beginning to an end, and not an end by itself.”[1]
Labels:
Development,
Peace
Explanation of Poverty, Peace and Development
Poverty: Poverty is the crudest form of denial of opportunities and choices to human development. It is a vicious circle, has a long standing history. Still today, it exists as a curse. Poverty prevailed in the past, it exists no’s and it is likely to remain in the future as a course on the human society. Therefore, poverty free world may not be attained through eradications but it must be alleviated to a humane standards and tolerance.
Labels:
Development,
Micro Credit,
Peace,
Poverty
Define Micro Credit
Credit is one of the ancient thinking of human civilization. It has attained place in the centre of poverty and Bangladesh has become the motherland of micro credit program for the poor. About its suitable and fitting definition, it is generally said “Micro credit is a tiny collateral free loans aimed at the poorest of the poor to help them start or expand their self-employment pursuits.[1] For further clarification, Dr. Yunus Says, “Micro-credit is a well tried and well founded method that can bring financial services to the poorest of the poor. Micro credit promotes entrepreneurship, and pits each individual poor person, especially women, in the driving- seat in their own lives. Micro-credit is more about people than about money. It is a question of trusting people. Credit means to trust, to give someone credit.[2]
Labels:
Define,
Micro Credit
The Evolution of Micro credit Programs in Bangladesh
Micro credit is one of the ways of poor to acquire assets and to become productive. This kind of program was first attempted in 1976, when Professor Dr. Muhammad Yunus[1]. a Bangladeshi economics and first Nobel laureates, introduced an experimental project to best whether the poor were creditworthy physical collateral.
Labels:
Bangladesh,
evolution,
Micro Credit,
Programs
Micro Credit in Bangladesh
Micro-credit is an important field for improving the economic life of the poor. It is now familiar in many countries because it has attracted the view of the common people after getting recognition by the Nobel Laureate Committee. Nevertheless, most of the people in the world are seriously stricken with the dearth of poverty even in the developed countries in some context. Otherwise it has generally been considered in the last two years as a commendable idea in the developing countries “At the beginning when micro-credit was first introduced here it was given to the men with the subsequent change to women which introduced changes with regard to their economic dependence, limited income opportunity and mobility.” It has been a different dimension since a large number of people across the world remains under the destitute situation of abject
Labels:
Bangladesh,
Micro Credit
How we can practice democracy- A way out
Democracy is a continuous political process which can not be established overnight. Todays Western democracies could not be developed in a day, month or year. It took long period of centuries after centuries. Same is in case of Bangladesh. Democracy can be sustained and developed in Bangladesh only by giving due attention to certain both institutional and structural issues such as:
Labels:
Bangladesh,
Democracy,
Practice
Reasons behind Dropout of Female Students
Early marriage is the most predominant reason behind the dropout of female students from schools. Though the minimum official age for marriage in Bangladesh is 18 for women and 21 for men, marriage especially in rural areas and among the poorer section of the populace occurs before the age limit.
The Effects of Poverty on Educational Attainment of Children
Investment in education depends on the demand for and supply of education, the demand being affected by benefits of education and supply by costs of education. In Bangladesh, social benefits of education are especially high for primary level, but for individual households in rural areas it is the secondary education that gives high returns. Private costs of education at primary level are negligible because of state subsidies and low opportunity cost in terms of foregone earnings of children.
High School Dropout Problems in Bangladesh
The secondary level of education in Bangladesh is particularly plagued by dropout problem. The severity of the dropout issue prompted the Bangladesh Bureau of Educational Information and Statistics (BANBEIS) to carry out an in-depth study in 2002. As reported in the leading national newspaper, The Daily Star, the study revealed, “dropout rates at secondary and higher secondary levels of education remain alarmingly high despite government efforts to reduce the rates. over 80 percent (of) high school students quit schools without having their secondary school certificates (SSC) while 36.52 percent (of) intermediate
Labels:
Bangladesh,
dropout,
Education,
High School,
Problems
Costs Representing the Supply of Education
Private costs both direct and indirect costs are affected by public policies, the incidence of child labor and labor market conditions. If there is a high demand for child labor in the labor market, opportunity costs of keeping children at school will be high for poor families. Gender differences in costs and benefits may also arise depending on the role of women in the economy, society and the family.
Labels:
Costs,
Education,
Representing,
Supply
The Impact of Income on Educational Investment
Investment in educational human capital in developing countries may be studied using Becker´s framework for the demand and supply of human capital. The demand represents the present discounted value of benefits (labour market earnings), and the supply represents the present discounted costs of education (school fees, travel costs, opportunity costs in terms of foregone earnings).There are several points attached to the issue of demand that are important.
Labels:
Education,
Educational,
Impact,
Income,
Investment
Conceptual Issues Relating To Poverty and Education
The study of poverty and education is difficult not only because of the circular nature of the relationship. It is complex because poverty has many dimensions that are affected by education. Poverty signifies lack of income, and deprivation in terms of political and civil rights, voice, freedom of choice, and the quality of life based on health and education. While education is a goal in itself, it can be instrumental to poverty alleviation working not only through income but through its influence on other dimensions of poverty.
Labels:
Conceptual,
Education,
Issues,
Poverty,
Relating
Education in Bangladesh
Bangladesh has been facing daunting challenges in education. Although over the years, mention-worthy progress has been made at the primary level of education. Education at the secondary and tertiary levels have remained beset with a number of serious problems, such as poor enrolment rate, high dropout rate and low success rate in tests of academic capabilities. The end result is that, by some estimates, only 3 out of 100 every 100 potentially eligible young men and women in Bangladesh complete their graduation. This statistics has alarming implications both for the young people in a poor country like Bangladesh as well as for the progress of the nation in general. Such startling information can only help dampen the most of Bangladeshis when we know that the largest foreign exchange earnings come from the hard work and the sweat of the migrant labor of Bangladesh.
Labels:
Bangladesh,
Education
Role of civil society- Democracy
Now a day’s civil society plays very important role in successful working of democracy in Bangladesh. There are many civil society organizations like Center For Policy Dialogue(CPD), Sushasoner Jonno Nagarik (SUJAN) active in the country which are making efforts to make the mass people conscious about their rights and duties enshrined in the constitution and also mobilize public opinion by organizing seminars, workshops and symposium on the contemporary issues and problems facing the country.
Labels:
civil society,
Democracy,
Role
Women Empowerment- Democracy
The constitution of Bangladesh contains the provision of gender equality, prohibition of gender-based discrimination and extension of opportunity of women in all spheres of civic life. It is also stated in the constitution that the local government institutions be composed of representatives of peasants, workers and women (Article 9, 10); right to guaranteed employment at a reasonable wage having regard to the quality of life [article 15 (b)]. Our political parties are fond of making room for women in their party politics.
Labels:
Democracy,
Empowerment,
Women
Promotion of Economic Growth- Democracy
Now-a-days, Bangladesh is doing well in the economic
sector marked in the reasonable macro economic stability. Bangladesh has been
experiencing around 6 percent economic growth despite global recession for many
years. It has also achieved near self sufficiency in food production.
Advancement of Education System- Democracy
Labels:
Advancement,
Democracy,
Education,
System
Report on Independence of press, media and newspaper-Democracy
Today, press, media and newspapers become freer that ever before. They are enjoying the independence except government-owned Radio and TV. The press and media are now vocal against any wrongdoings committed by the government. They don’t hesitate to criticize the government if it tend to undertake any policies and programme which is anti interest of the mass people. So we can say it is another light of hopes for democracy.
Independence of Judiciary-Democracy
It
is heartening that judiciary has become independent and free of the clutch of
the executive and legislature in Bangladesh through implementing the historic
Masder Hussain Case in November, 2007. Now, judiciary has been working more
freely and fairly than earlier and thereby helps to establish rule of law in
the country.
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