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Hadith / The Social Aspect of Women in Islam
« on: April 25, 2012, 10:09:33 AM »
As a Mother:

(1)  The Quran elevates kindness to parents (especially mothers) to a status second to the worship of God:

{Your Lord has commanded that you worship none but Him, and that you be kind to your parents.  If one of them or both of them reach old age with you, do not say to them a word of disrespect, or scold them, but say a generous word to them.  And act humbly to them in mercy, and say, “My Lord, have mercy on them, since they cared for me when I was small.” } (Quran, 17:23-24, see also 31:14, 46:15, and 29:8 )

(2)  Naturally, the Prophet Muhammad (pbuh) specified this behavior for his followers, rendering to mothers an unequalled status in human relationships.  A man came to the Prophet Muhammad (pbuh)  and said, “O Messenger of God!  Who among the people is the most worthy of my good companionship?”  The Prophet (pbuh)  said: {Your mother.}  The man said, “Then who?”  The Prophet (pbuh)  said: {Then your mother.}  The man further asked, “Then who?”  The Prophet (pbuh)  said: {Then your mother.}  The man asked again, “Then who?”  The Prophet (pbuh)  said: {Then your father.}

Hadith / Rights That Islam Gives to Women
« on: April 25, 2012, 10:03:34 AM »
Human Rights

Islam considers a woman to be equal to a man as a human being and as his partner in this life. Women have been created with a soul of the same nature as man’s. Allah (SWT) says in the Quran:

"O mankind! Be dutiful to your Lord, Who created you from a single person (Adam), and from him (Adam) He created his wife (Eve), and from them both He created many men and women and fear Allah through Whom you demand your mutual (rights), and (do not cut the relations of) the wombs (kinship). Surely, Allah is Ever and All-Watcher over you." (Al-Nisa 4:1)

And in the words of the Prophet Muhammad (SAW),

"Assuredly, women are the twin halves of men." (Sahih reported by Abu-Dawud (RA)
Islam does not blame Eve alone for the First Sin. The Quran makes it very clear that both Adam and Eve were tempted, that they both sinned and were both forgiven after their repentance.

Allah (SWT) says in the Quran:

"Then Satan whispered suggestions to them both in order to uncover that which was hidden from them of their private parts (before); he said: "Your Lord did not forbid you this tree save you should become angels or become of the immortals." And he (Satan) swore by Allah to them both (saying): "Verily, I am one of the sincere well-wishers for you both." So he mislead them with deception. Then when they tasted of the tree, that which was hidden from them of their shame (private parts) became manifest to them and they began to stick together the leaves of Paradise over themselves (in order to cover their shame). And their Lord called out to them (saying): "Did I not forbid you that tree and tell you: Verily, Satan is an open enemy unto you?" They said: "Our Lord! We have wronged ourselves. If You forgive us not, and bestow not upon us Your Mercy, we shall certainly be of the losers." (Allah) said: "Get down, one of you an enemy to the other (i.e. Adam, Eve, and Satan, etc.). On earth will be a dwelling-place for you and an enjoyment, - for a time." He said: "Therein you shall live, and therein you shall die, and from it you shall be brought out (i.e. resurrected)."(Al-A’raf 7:20-25)

In Islamic law a woman is an independent, unique individual in her own right. She has the same responsibilities towards herself, towards Allah (SWT) and towards other human beings as the male, and will be punished or rewarded in the Hereafter without discrimination towards her female gender.

BBA Discussion Forum / Corporate governance
« on: April 24, 2012, 03:55:17 PM »
Corporate governance refers to the set of systems, principles and processes by which a company is governed. They provide the guidelines as to how the company can be directed or controlled such that it can fulfill its goals and objectives in a manner that adds to the value of the company and is also beneficial for all stakeholders in the long term. Stakeholders in this case would include everyone ranging from the board of directors, management, shareholders to customers, employees and society. The management of the company hence assumes the role of a trustee for all the others.

Hadith / Witr prayer (Hadith from Sahih Bukhari)
« on: April 23, 2012, 12:04:13 PM »
Volume 2, Book 16, Number 105 :
Narrated by Ibn Umar

    Once a person asked Allah's Apostle about the night prayer. Allah's Apostle replied, "The night prayer is offered as two Rakat followed by two Rakat and so on and if anyone is afraid of the approaching dawn (Fajr prayer) he should pray one Raka and this will be a Witr for all the Rakat which he has prayed before." Nafi' told that 'Abdullah bin 'Umar used to say Taslim between (the first) two Rakat and (the third) odd one in the Witr prayer, when he wanted to attend to a certain matter (during that interval between the Rakat).

BBA Discussion Forum / Differences between Debentures and Share
« on: April 23, 2012, 11:58:39 AM »
The following are the main difference between a debenture and a share:

   1.  A person having the debentures is called debenture holder whereas a person holding the shares is called shareholder.
   2. Debenture holder is a creditor of the company and cannot take part in the management of the company while a shareholder is the owner of the company. It is the basic distinction between a debenture and a share.
   3. Debenture holders will get interest on debentures and will be paid in all circumstances, whether there is profit or loss will not affect the payment of interest on debentures. Shareholder will get a portion of the profits called dividend which is dependent on the profits of the company. It can be declared by the directors of the company out of profits only.
    4. Shares cannot be converted into debentures whereas debentures can be converted into shares.
    5. Debentures will get priority is getting the money back as compared to shareholder in case of liquidation of a company.
    6. There are no restriction on issue of debentures at a discount, whereas shares at discount can be issued only after observing certain legal formalities.
    7. Convertible debentures which can be converted into shares at the option of debenture holder can be issued whereas shares convertible into debentures cannot be issued.
    8. There can be mortgage debentures i.e. assets of the company can be mortgaged in favor of debenture holders. But there can be no mortgage shares. Assets of the company cannot be mortgaged in favor of shareholders.

Business is regarded as a part of economic institution and an important constituent of the society. Business helps is social development by raising the standard of living of the people in the society. Business as an important constituent of the society contributes to the social development in the following manner:

1. It facilitate production of goods and thereby satisfies the wants in the society.
2. It creates employment opportunities in the country and thereby helps in raising the standard of living of the people in the society.
3. It develops various infrastructures like roads, power supply and general and technical education. The society get benefit of the above infrastructure.
4. It increases revenues of the government through tax and duties.
5. It facilitates in better utilization of resources.

BBA Discussion Forum / Business Risk
« on: April 23, 2012, 11:30:22 AM »
The possibility of some unfavorable occurrence is termed as business risks. it denotes the chances of loss. There are two types of business risks like internal risks and external risks.

Internal Risks

The risks which are caused by the circumstances inside the factory are called internal risks. They arise due to mishandling of a situation. The various types of internal risks are:

I. Loss by fire etc:

There may be fire accident in the business and property is destroyed due to it. Sometimes the products traded or produced are fire prone and lack of precautions may cause an accident. This generally happens in coal mines, oil refineries, cooking gas centres etc. On the other hand, there may be a fire due to negligence on the part of employees or failure of equipment may also cause it. In all these cases the property is destroyed.

II. Business Environment:

The environment in business may be such that there is a possibility of loss because the things are not properly managed. Lack of effective control on cash transactions may cause misappropriation of cash or lack of stock control system may encourage theft of goods, etc.

III. Liability of the Business:

The business may be held responsible for the loss caused to employees or public by the business. There may be an accident on a machine and a worker may be injured. The business will have to pay compensation to the worker. Similarly, a loss caused to the public by way of pollution or wastes of the concern may bring a liability to the business.

IV. Mismanagement of Business:

Risk may arise due to mismanagement of business. There may not be proper control over labour or production, resulting in increased costs. Lack of demand for products may compel the business to slash down prices causing loss. There may be a lack of planning inadequate capital, lack of co-ordination among different departments, inefficient management. All or any of these factors bring risks to the business.

A Bank is an organization that accepts customer cash deposits and then provides financial services like bank accounts, loans, share trading account, mutual funds, etc.

A NBFC (Non Banking Financial Company) is an organization that does not accept customer cash deposits but provides all financial services except bank accounts.

a) A bank interacts directly with customers while an NBFI interacts with banks and governments

(b) A bank indulges in a number of activities relating to finance with a range of customers, while an NBFI is mainly
concerned with the term loan needs of large enterprises

(c) A bank deals with both internal and international customers while an NBFI is mainly concerned with the
finances of foreign companies

(d) A bank's man interest is to help in business transactions and savings/ investment activities while an
NBFI's main interest is in the stabilization of the currency

Allah: My belief / Sura Naas with Bangla translation
« on: April 22, 2012, 10:56:02 AM »
بِسْمِ اللّهِ الرَّحْمـَنِ الرَّحِيمِ    
শুরু করছি আল্লাহর নামে যিনি পরম করুণাময়, অতি দয়ালু।    
قُلْ أَعُوذُ بِرَبِّ النَّاسِ    

বলুন, আমি আশ্রয় গ্রহণ করিতেছি মানুষের পালনকর্তার,    
مَلِكِ النَّاسِ    

মানুষের অধিপতির,    
إِلَهِ النَّاسِ    

মানুষের মা’বুদের    
مِن شَرِّ الْوَسْوَاسِ الْخَنَّاسِ    

তার অনিষ্ট থেকে, যে কুমন্ত্রণা দেয় ও আত্নগোপন করে,    
الَّذِي يُوَسْوِسُ فِي صُدُورِ النَّاسِ    

যে কুমন্ত্রণা দেয় মানুষের অন্তরে    
مِنَ الْجِنَّةِ وَ النَّاسِ    

জ্বিনের মধ্য থেকে অথবা মানুষের মধ্য থেকে।    

BBA Discussion Forum / How To Motivate Yourself
« on: April 21, 2012, 07:37:04 PM »
Are you losing your willingness and determination to succeed in life? Whether it is in your career or for any personal growth, you have to feel motivated so you can take yourself to the next level. So learn how to motivate yourself today by following these easy tips:

1. Plan your day. It will greatly help you achieve more things if you clearly know what are the stuff you need to do within 24 hours. Each goal does not have to be grand, even something as simple as cleaning your room is worth planning.

2. Put inspirational and motivational quotes around your work station. These will help remind you that there is still hope and chance for you to succeed. You just need to be told about it more often.

3. Read a self-help book. There are so many things that you can learn from an expert and a good book is the best way to get started. Find out the best reviewed titles for the condition that you want to improve for yourself.

4. Exercise more regularly. Studies have shown that regular exercise helps in beating depression and keeps us feel more energetic to do more in a day.

5. Smile all the time. It will greatly improve your outlook in life if you try your best to stay happy all the time. A simple smile can be the best solution on how to motivate yourself.

BBA Discussion Forum / Tips on Interviews
« on: April 21, 2012, 07:25:27 PM »
Promote Yourself without Being Self-Promotional

Explaining why someone should hire you, or introduce you to a friend who is hiring, can be uncomfortable. You need to sell yourself, but you don't want to sound like a salesperson. Instead of detailing what's so great about you, tell a story that covers the following:

•   Situation. Explain the problem or situation that you, your unit, or your company faced.
•   Tasks. Outline what your responsibility was in solving the problem.
•   Achievements. Make clear what you did to meet your responsibility.
•   Results. What happened as a result of your achievements? Did revenues increase? Did customer satisfaction improve? Use specific examples to pique your audience's interest.

Three Tips for Acing an Interview
During a job interview, it's important to explain what you can do for the company, but it is just as imperative to build trust with the person interviewing you. Here are three ways to align yourself with the interviewer:

•   Mirror body language. Even if you aren't comfortable, portray yourself as poised and friendly. When the interviewer uses open body language -- leaning in toward you or keeping her arms open -- do the same.
•   Find common interests. Look for ways that the interviewer and you are alike. These may be shared interests or experiences. Ideally they are work-related; for example, you may both have a passion for solving tough problems.
•   Tell stories with a moral. Every anecdote you tell should have a point. Well-shaped stories with a purpose can convey your most desirable qualities -- loyalty, work ethic, or trustworthiness.

How to Talk About Your Weaknesses in an Interview

One of the most hated, yet frequently asked, interview questions is, "What is your greatest weakness?" We all have faults, but the last place we want to talk about them is in a job interview. Next time you are up for a job, take these three steps to prepare for this dreaded question:

•   Prepare an answer. Yes, you need one. Make it brief, honest, trivial, and not a fault. If possible, use something out of your control. For example, "My biggest weakness is that my professional network is in Boston, but I'm looking to relocate to Los Angeles."
•   Get input. Run your answer by a few friends and colleagues to make sure it sounds reasonable.
•   Ask a question back. In the interview, deflect the attention away from you by ending your response with a question for the interviewer.

Evaluate Your Future Manager

Almost every job interview ends with an opportunity for you, the candidate, to ask questions. Don't treat this time as another chance to impress. Instead, use this time to assess your future boss. Ask your potential manager about a past project. This should give you a sense of how she works. Inquire about customers or colleagues. Her attitude toward others may reveal how she treats people. Watch how she answers the questions. Does she talk about herself a lot? Does he take credit for accomplishments? This data can help you better understand the manager you are getting along with the job offer.

Three Tips for Conducting an Internal Interview

Internal interviews are often thought of as something to simply check off on a hiring to-do list. Yet, these interviews can be a valuable source of information and the key to helping you make the right hiring decision. Here are three tips for getting these interviews right:

•   Dig deeper. Even if you already know the candidate, you can learn more. Ask about experience outside of the company, either in previous jobs or through volunteer work.
•   Assess role readiness. Because the candidate will be moving into a role she is already familiar with, ask specific questions about what she plans to do with the role.
•   Make it real. Too often, internal interviews are done out of courtesy. If you aren't serious about the candidate, don't bother with the interview.

Economy / NBR Imposes 25% RD on 75 Luxury Items’ Import
« on: April 21, 2012, 07:20:05 PM »
The National Board of Revenue (NBR) has imposed 25 per cent Regulatory Duty (RD) on import of 75 luxury products. With the imposition of the duty, prices of various imported items, like - refrigerator, air conditioner, CBU motorcycle, fresh fruit, fruit juice, chocolate, wafer, granite, stone, bottled water, sanitary towel, luxury saree, salwar kamij, and lehenga etc will go up. The board has imposed the duty to ease pressure on the country's foreign exchange reserve, following recommendations of the Ministry of Commerce.

The apex chamber body chief said local industries will achieve booming growth as a result of the step. Former finance adviser Dr. A B Mirza Azizul Islam strongly opposed the move, saying hike of duty on such adhoc basis will tarnish the country's image in global market. He suggested that the government should review the trade policy thoroughly to revise import duty. Besides, import of luxury products is rather insignificant in the country, so, it is not creating pressure on external reserve.It is necessary to focus on increasing export through diversification of the country's export basket rather than controlling import, he added.

Govt has increased its bank borrowing target by more than 47% to Tk. 279 Billion to finance the current fiscal year deficit.
The decision was taken at a meeting of CDMC at secretariat with finance secretary Md. Tareque in the chair.

The government borrowing from banking system increased by more than three times until March 25 this year compared to the corresponding period of the last year.

The government's net borrowing from banking system shot up to Tk 169.67 billion during the period under review as against Tk 48.92 billion in the same period the previous year, according to Bangladesh Bank statistics.

During the period, the government borrowed Tk 113.77 billion from the scheduled banks through issuing T-bills and bonds during the period, while Tk 55.90 billion was borrowed from the central bank to finance the budget deficit.

Market operators expressed that increased bank borrowing target saying that it might hit the liquidity position of commercial banks, particularly the primary dealers (PDs), besides affecting investment in the private sector.

BBA Discussion Forum / Tips on Presentation Skills
« on: April 21, 2012, 07:03:39 PM »
To really succeed at presenting and build up effective presentation skills, there are several key areas that you need to become skilled in.  And once you’ve mastered these skills, you’ll be able to create a presentation with a clear message and deliver it with confidence.
These key skills areas are:-

•   Planning and writing the presentation
•   Using visual aids effectively
•   Overcoming presentation nerves
•   Delivering the presentation confidently
•   Answering questions competently

Skills for Planning & writing the presentation

Planning the presentation involves much of the work that you’re going to do before you actually deliver the presentation. This is a very important area and its also one that many people should consider improving their skills in.
A key part of this planning is to research your presentation audience, since the more you know your audience, the more you can understand them and what their preconceptions might be.

You also need to get to grips with the purpose of the presentation – so that you are very clear about what you are trying to achieve from it. (This is a skill in itself.)

Then its down brainstorming what you’re actually going to say and then structuring this into “digestable” chunks within the beginning, middle and end.

Using visual aids effectively

Once you’ve done your planning, you need to consider what visual aids you’re going to be using.  (aka Powerpoint slides or PowerPoint skills!)

Think about what you want to do here – why you actually need the visual aids in your presentation and what are they going to be used for.

Often they are fairly redundant – people put them in for the sake of it. So some key presentation skills we’ll be looking at are associated with reducing your slides to the minimum you need to support your message.
So we are going to look at how to make visual aids effective and what types of visual aids are going to help you with your presentation.

Skills for overcoming presentation nerves

We’re then going to look at You Yourself! To start considering your personal presentation skills.

When most people when they hear the word presentation – previously built “presentation skills” are often forgotten about and nerves kick in.  So we’re going to help you overcome your nerves and become more confident in your personal presentation skills.

There are lots of techniques and things you can do to help you to control your nerves and build your confidence even before you actually start your presentation as well as while you’re speaking and delivering it.

Skills for Delivering the presentation confidently

After that, its important to think about how you’re actually going to deliver your presentation.
We will look at some of the key techniques and skills you can call on to help you speak confidently, keep the audience’s interest, really engage with them and create the presence that want to have in front of your audience.
So your personal resources are very important when you come to deliver your presentation.

Answering questions competently

Finally its important that you have the confidence to interact with your audience and deal with any questions that your audience might throw at you.
So we’ll give you techniques to help you deal with the difficult questions – the different scenarios that you might face when you are actually having to interact with the audience

So these are the 5 key elements (or presentation skills areas) for building and delivering a successful presentation.
Get to grips with each of them, build your skills and then apply them to you next presentation – and you’ll be surprised just how much you’ve progressed.

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