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31
জাহাজ রপ্তানি খাতে লক্ষ্যনীয়ভাবে এগিয়ে যাচ্ছে বাংলাদেশ। এবার দক্ষিণ আমেরিকার দেশ ইকুয়েডরে প্রথমবারের মতো বাংলাদেশে নির্মিত জাহাজ রপ্তানি হলো।

বাংলাদেশে তৈরি ওই জাহাজটির নাম দেওয়া হয়েছে ‘এমভি স্টেলা আটলান্টিক’। চট্টগ্রামভিত্তিক জাহাজ নির্মাণ প্রতিষ্ঠান ওয়েস্টার্ন মেরিন শিপইয়ার্ড নির্মাণ করেছে এ জাহাজটি।

সোমবার এক অনুষ্ঠানের মাধ্যমে ইকুয়েডরের কাছে ‘এমভি স্টেলা আটলান্টিক’ হস্তান্তর করা হয়েছে।

তবে দেশটির রাষ্ট্রীয় জাহাজ প্রতিষ্ঠান ইকুয়েডোরিয়ান শিপিং ট্রান্সপোর্ট, ট্রান্সনেইভ জাহাজটির দায়িত্ব গ্রহণ করে। এটি ইকুয়েডর থেকে দক্ষিণ আমেরিকার গালাপাগোস দ্বীপপুঞ্জে পণ্য পরিবহন কাজে নিয়োজিত হবে।

ওয়েস্ট মেরিন শিপইয়ার্ড থেকে পাঠানো এক সংবাদ বিজ্ঞপ্তিতে এসব তথ্য জানানো হয়।

‘এমভি স্টেলা আটলান্টিক’ ৮৮.৬ মিটার দীর্ঘ একটি টুইন ডেকার জাহাজ।

নৌযানটি জার্মান ‘ক্লাস ডিএনভি-জিএল’-এর তত্ত্বাবধানে নির্মিত এবং পানামা পতাকাবাহী। জাহাজটিতে দুটি এবং প্রতিটিতে ৬০ টন পণ্য উত্তোলন ক্ষমতাসম্পন্ন ভারী ক্রেন রয়েছে।

সোমবার বন্দরনগরীতে জাহাজটি হস্তান্তর উপলক্ষে এক অনুষ্ঠানের আয়োজন করা হয়। অনুষ্ঠানে প্রধান অতিথি ছিলেন চট্টগ্রাম বন্দর কর্তৃপক্ষের চেয়ারম্যান রিয়ার অ্যাডমিরাল এম নিজামউদ্দীন আহমেদ। বিশেষ অতিথি ছিলেন বাংলাদেশ রপ্তানি উন্নয়ন ব্যুরোর ভাইস চেয়ারম্যান শুভাশীষ বসু।

এ সময় অনুষ্ঠানে আরো উপস্থিত ছিলেন- ইকুয়েডোরিয়ান নেভি কোম্পানির পরিচালক ক্যাপ্টেন এলিজান্ড্রো ভিলাসিস আগুইলার এবং ট্রান্সনেইডের ব্যবস্থাপক লুইস মিরা ব্রিটো।

প্রধান অতিথি রিয়ার অ্যাডমিরাল এম নিজামউদ্দীন আহমেদ জাহাজ নির্মাণ ও রপ্তানির মাধ্যমে ‘ওয়েস্টার্ন মেরিনে’র অর্জন ও সাফল্য এবং জাতীয় অগ্রগতিতে প্রতিষ্ঠানটির বলিষ্ঠ ভূমিকার ভূয়সী প্রশংসা করেন।

তিনি বলেন, ‘ওয়েস্টার্ন মেরিন সারা বিশ্বে উচ্চ মানসম্পন্ন জাহাজ নির্মাণকর্মের জন্য বিশেষ পরিচিতি লাভ করেছে।’

রপ্তানি উন্নয়ন ব্যুরোর ভাইস চেয়ারম্যান শুভাশীষ বসু বলেন, ‘এই জাহাজ রপ্তানির মাধ্যমে ইকুয়েডরের সঙ্গে আমাদের দ্বিপক্ষীয় বাণিজ্যিক সম্পর্ক আরো সম্প্রসারিত হবে। কেননা, এই প্রথমবারের মতো বিশ্বের এ অঞ্চলে আমরা আমাদের সমৃদ্ধ ও উন্নত কারিগরি নৈপুণ্য প্রদর্শনে সমর্থ হয়েছি।’

ওয়েস্টার্ন মেরিন শিপইয়ার্ডের চেয়ারম্যান সায়ফুল ইসলাম বলেন, ‘ওয়েস্টার্ন মেরিন বিশ্বের বিভিন্ন অংশে জাহাজ রপ্তানির মাধ্যমে জাতীয় রপ্তানিতে বিশেষ ভূমিকা রাখছে। সমগ্র বিশ্বে জাহাজ এখন উচ্চ প্রযুক্তির পণ্য হিসেবে বিবেচিত এবং পৃথিবীর বিভিন্ন অংশে সফল জাহাজ রপ্তানির মাধ্যমে জাহাজ নির্মাতা জাতি হিসেবে আমাদের দক্ষতা ও যোগ্যতা প্রমাণ করতে পেরেছে।’

প্রতিষ্ঠানটির ব্যবস্থাপনা পরিচালক মো. সাখাওয়াত হোসেন বলেন, ‘জাহাজ রপ্তানির মাধ্যমে আমরা প্রথমে ইউরোপে, পরে পূর্ব আফ্রিকা ও প্রশান্ত মহাসাগরীয় অঞ্চলে এবং বর্তমানে আমরা দক্ষিণ আমেরিকা পর্যন্ত হাত বাড়াতে পেরেছি।’

এখন থেকে এই জাহাজ ‘মেইড ইন বাংলাদেশ’ প্রতীক ধারণ করে সারা বিশ্বে আমাদের উন্নতি ও সমৃদ্ধির বার্তা বহন করবে বলে আশা প্রকাশ করেন তিনি।

32
BBA Discussion Forum / VAT related FAQs and answers
« on: July 06, 2015, 05:17:25 PM »
The File seem to be a big one but important

Pls try to see it.

33
Business Administration / Eid shopping: Men's craze for local brands
« on: July 04, 2015, 06:07:16 PM »
When most girls are rushing for foreign fashion wears, the picture is quite different in case of males.

From lungi to jeans, T-shirt to punjabi and cap to shoes, local brands and designs almost are dominating men's fashion choice, said sector insiders.

Apparel brands like Cats' Eye,  Aarong, Monsoon Rain, Yellow, Key Kraft, Plus Point, Ecstasy, Rex, Anjan's, O2, Bangla'r Mela, Grameen, Shada Kalo, Silver Rain, Freeland, Infiniti, Westecs, Artisti, Gentle Park, shoe brands like Apex, Bay, and other local brands and non-brand shops have captured the maximum share of sales during festivals like Eid.     

The industries are now eyeing windfall profits on the occasion of the upcoming Eid-ul-Fitr.

Clothing brands in Bangladesh are drawing  consumers' attention as they continue to offer fashion-rich items conforming to native tastes.

The affordable price range of the clothes has also been a key factor for the local brands' growing popularity, especially among the youth.

Md Arman Ali, manager of Plus Point at Elephant Road, a popular local brand, said they stepped into the market to bring a  change in people's fashion tastes.

"We usually focus on serving the middle-income generation of people with fashion-rich local clothes," he said.

"Boys have been attracted most by our efforts while girls nominally," he said.

"Yes, girls buy dresses from Plus Point, but not for them but for their friends, brothers or husbands," he said.

He said they have experienced 15-20 per cent sales growth on an average since 2003, the year of its inception.

However, he informed the FE that this year they have launched cotton-made slim-fit printed shirts, T-shirts, long, short and semi-fit punjabi, gabardine pants, male and female fatuas. Price ranges between Tk500 and Tk2500. 

He said sales have increased and they are expecting it would cross last year's sales volume.

Shohag Parvez, executive officer (sales and distribution) at Cat's Eye, a pioneer in the men's fashion industry in the country said his company had almost maintained over ten per cent growth since 1993.

"We have expanded our products to T-shirts of many forms, formal and informal shirts, pants, jackets, waist-belt, punjabis, shoes and so on," he said.

He said his company mainly focuses on men's fashion and the demand for products usually increases ten times during Eid festivals.

"We are expecting good business this year through our 22 outlets in Dhaka, Chittagong and Sylhet as the political condition is calm.     

However, brands like Aarong, Key Kraft, Anjan's, Banglar Mela, Grameen, Shada Kalo, and some other brands attract both males and females.

Director of Banglar Mela Emdadul Hoque said popularity of local brands has gradually been increasing.

He said both males and females are now rushing for local branded products. 

Men's punjabi, shirts, fatua, women's saree, shalwar kamiz, kuti, tops and baby dresses by the local brands have been attracting a broad range of customers.

"Designers will have to feel the pulse of the consumers who are virtually now cosmopolitan in this era of internet," he added. 

Vice president of Fashion Udyog, the association of local apparel brands, Shaheen Ahmed said there are 4,500 fashion houses in the country now which was 2,000 five years back.

He said the local brands have gradually been capturing the major market share.

But, the recent increase in value added tax (VAT) has come as a big blow for the medium and small-scale traders, he said.

Bangladesh Dokan Malik Samity president SA Kader Kiron said clothing and footwear sales account for nearly Tk250 billion during Eid-ul-Fitr of which men's share is about 35 per cent.

"And this section mainly depends on local products, which is very positive for the domestic economy," he said.   (Collected)

34
BBA Discussion Forum / A short history of TAXATION
« on: June 23, 2015, 11:19:40 AM »

Beards, boots, beehives, candles, nuts, hats, horses, chimneys, water – Tsar Peter taxed them all. But he is still styled ‘The Great’ in modern histories of Russia, perhaps because of the mighty works his taxes produced. This is the eternal fate of taxation: to be the abused or abusive means towards noble or ignoble ends, never quite able to escape its association with extortion and war.
In the beginning
The word ‘tax’ first appeared in the English language only in the 14th century. It derives from the Latin taxare which means ‘to assess’. Before that, English used the related word ‘task’, derived from Old French. For a while, ‘task’ and ‘tax’ were both in common use, the first requiring labour, the second money. ‘Tax’ then developed its meaning to imply something wearisome or challenging. So words like ‘duty’ were used to suggest a more appealing purpose. Political spin has just as long a history as taxation, and neither has been detained unduly by the meaning of words.

The written record
China has one of the longest of all written records, and we know that taxes were levied here some 3,000 years ago as the Empire was being established. Powers (usually military) that were able to impose taxes created the first bureaucracies to collect and administer them. Under the Egyptian Pharaohs ‘scribes’ were charged with raising funds in any way practicable, including a tax on household cooking oil. Regular audits were conducted to ensure that oil was not recycled – perhaps the first historical record of ‘avoidance’. The ‘Book of Genesis’ in The Bible suggests that a fifth of all crops should be given to the Pharaoh. The city states of Ancient Greece imposed eishpora to pay for wars, which were numerous; but once a war was over any surplus had to be refunded. Athens imposed a monthly poll tax on foreigners. Imperial Rome used tribute extracted from colonized peoples to multiply the bounty of empire. Julius Caesar imposed a one-per-cent sales tax; Augustus instituted an inheritance tax to provide retirement funds for the military. However, human bondage remained the most lucrative form of tribute for both Greece and Rome.

The price of faith
With the decline of Rome in Europe, ‘spiritual’ and ‘temporal’ powers were not always easy to distinguish. Religious institutions rivalled – and sometimes surpassed – political ones in their material power. To secure this, they imposed forms of taxation. For Christians it was a ‘tithe’, or a tenth of what the faithful produced, usually paid to the Church in kind. Tithe barns for the receipt and storage of such payments were lesser in size only to churches in villages and towns. The expansion of Islam was accompanied by the ‘Islamic Tax’, the khums, or ‘one twentieth’ – more modest by half than the tithe. There are direct references to it in the Qu’ran, which requires its use for specified purposes, such as the relief of the poor. In India, Islamic rulers imposed a tax called jizya in the 11th century. In Latin America the Aztec, Olmec, Maya and Inca cultures all seem to have raised forms of taxation, usually in association with ritual observance. Both Hindus and Buddhists sustained their temples and monasteries with contributions of time, skill and resources from the faithful.


Doomsday
Land was the basic commodity of feudal Europe and service (military or labour) its currency. Aspiring monarchs had little access to revenues in cash, though ‘scutage’ was sometimes accepted in lieu of military service. Then the Vikings, sailing from Scandinavia, started demanding protection money. In 845 they extorted six tons of silver in return for not sacking Paris; in 994 a similar amount from London. Though the Viking threat subsided, ‘Dangeld’ (restyled ‘carucage’ in England) was still collected by rulers. After the invasion of England in 1066 by the Normans (themselves descended from Vikings), William the Conqueror commissioned the Doomsday Book, a land survey to assess his new kingdom’s tax potential.

Imperial measures
More modern systems of taxation followed the expansion of imperial Europe, together with towns and cities, where tribute in kind was less useful – cash was the currency here. The monarchies of Spain and Portugal, however, still transposed feudal structures, and an obsession with gold – which was portable – to their occupation of Latin America. Others followed the example of the city states of Italy, particularly Venice, which had grown rich on trade with the East; taxes on trade were relatively easy to raise. France, the Netherlands and Britain in particular began to establish commercial outposts, and then military control, across Africa and Asia. Traditions of tribute through human bondage revived, however, with the triangular slave trade between Africa, Europe and the Americas. In Britain, a disagreement on the rights of taxation between Parliament and King Charles I in 1629 led to civil war.
Nation states
Resentment of tax fuelled the French Revolution between 1789 and 1799. Thereafter, Napoleon centralized the tax system and employed private collectors who could keep a proportion of their takings. Revolt against taxation – levied from imperial Britain – also fuelled the formation of the United States, though an independent Congress soon enacted the Federal Property Tax in 1798. By now, no aspiring nation, in Europe or elsewhere, could dispense with the machinery of a state or the taxes to pay for it. At the same time, the principle of ‘no taxation without representation’ was becoming more firmly established – though representation was still largely limited to the wealthy.
Promises, promises
As the power of monarchies declined and of industrial capitalism increased, a new settlement was required. This was pioneered in Britain. Income tax was first imposed on personal wealth in Britain in 1798, to pay for the wars with Napoleon. It was billed as a ‘temporary’ measure, renewable annually by Parliament – and has remained so ever since (it still expires on 5 April every year). A year after the Battle of Waterloo in 1815 it was repealed. In the general election of 1841 Sir Robert Peel opposed income tax, but once elected he reimposed it, reducing customs duties at the same time. Tax ‘commissioners’ (who came from the landed gentry) were transformed into the Board of Inland Revenue in 1849 to produce an efficient bureaucracy. In the general election of 1871, both Gladstone and Disraeli opposed income tax. Disraeli won, but the tax stayed. In 1908, Lloyd George as Chancellor introduced non-contributory old-age pensions, and – in the ‘People’s Budget’ of 1909 – plans for a super-tax on the rich. The rejection of this by the House of Lords led to the 1911 Parliament Act which removed the Lords’ power of veto. As taxation increased, so the right to vote and the principle of democratic consent were extended, culminating in universal adult suffrage.
Taxes to beat the Axis
At the start of World War One in 1914, the standard rate of income tax in Britian was 6 per cent; by the end of the war in 1918 it was 30 per cent. An Excess Profits Tax was levied on companies benefiting from war production. The total tax ‘take’ was 17 times higher than it had been in 1905. This continued after the war, when government was expected to provide homes and public services in ‘a land fit for heroes’. Government borrowing soared. In the US, the ‘New Deal’ in response to mass unemployment during the Great Depression of the 1930s relied heavily on the Federal Government’s ability to borrow against future tax revenues. It was only after Pearl Harbor, and the US entry into World War Two, that the Revenue Act of 1942 subjected millions of new taxpayers to income tax and gave rise to a whole new taxpaying culture. The Federal Government launched an all-out campaign to market the changes, including Disney animated shorts featuring Donald Duck touting the importance of ‘taxes to beat the Axis!’ Asked in February 1944 whether they considered the amount of income tax they paid to be ‘fair’, 90 per cent answered ‘yes’.

Cold war
Great expectations also followed World War Two. Worldwide liberation movements made ‘nation building’ (and the state machinery to go with it) an urgent priority for newly independent states in Africa and Asia. However, the Cold War between the ‘West’ and the Soviet Union ensured that vast military machines continued to operate at public expense, and ‘defence’ loomed large in the finances of the new states right from the outset. Meanwhile, demand for public services gave rise to such things as the National Health Service in Britain and new forms of taxation to pay for them. Scandinavia led the way as the proportion of national wealth devoted to public expenditure and services rose towards a half. The use of taxation to redistribute wealth and even out the inequalities of capitalism in the West became an ideological weapon in the Cold War.
Global consensus
As the Cold War came to an end, triumphant free-market orthodoxy demanded ‘small’ government, privatization and cuts in taxes on the wealth of private individuals and corporations. Corporate globalization was, in any event, making it more difficult for nation states to exercise control (or collect taxes), rather than compete with each other to offer the most favourable rates. In Russia, the tax rap became a nationalist tool against oligarchs and foreign businesses. Everywhere, the ‘neoliberal’ process has continued, but its outcome is increasingly uncertain. Public expenditure as a proportion of national wealth has not fallen in rich countries. Private or corporate wealth still relies on governments to provide (or, more often, finance) a vast range of services – including ‘bail-outs’ when free-market orthodoxy turns out to be flawed, as in the recent ‘credit crunch’. Military expenditures have still not been reduced significantly. In poor countries, revenues for desperately needed public services remain minimal. A ‘global consensus’ agrees, as the saying goes, that ‘only the little people pay tax’.



Collected by: Md. Rayhanul Islam
Lecturer in Accounting, DIU.

35
BBA Discussion Forum / Ramadan Do's and Don't's
« on: June 21, 2015, 12:26:23 PM »
Ramadan is a time of rules and regulations, but they don't dull the fulfillment, joy and benefits of this holiest of months!
It's a time for practicing self-restraint; piety and sobriety with fewer fleshy pleasures than ordinarily enjoyed. Because if you can freely refrain from lawful fun for God's sake, it will be easier for you to turn away from what is unlawful and forbidden.
The Quran prescribes fasting as a teaching tool to learn piety and righteousness. “Fasting provides us with motivation, self-control and firm will to give up bad manners and habits,” said Imam of Al Faruq Masjid Shaikh Mohammed Al Arabi.
Fasting goes beyond self-denial of food and drink. One Muslim scholar described it like this, "I mean his tongue should fast, he should not backbite or lie, for example. His eyes should not look at what Allah obligates as forbidden. His legs should not walk to places where such a person would commit a sin. When a person fasts from dawn to sunset, he/she abstains from food and drink, along with sexual intercourse if he/she is married."
Al Bawaba brings you some basic Ramadan intel, adding some creative ideas for how you can 'get it right' this Holy Month, and better understand and support your neighbors who are.
Reminder of Ramadan terms:
Iftar: The meal taken to break the fast at sun-down.
Suhoor: The traditionally light meal taken late night or early hours before starting the fast, from dawn.


Collected by: Rayhanul Islam, Lecturer in Accounting

36
BBA Discussion Forum / Think before choosing a major
« on: June 20, 2015, 03:55:15 PM »
Before Choosing the major have a look about your job scope. Also try to think in which field you want to build your career.

Jobs of Accounting Discipline:
Accountant (trainee, public, professional and certified)
Actuary
Auditor
Bookkeeper
Budget analyst
Credit controller
Financial consultant
Financial examiner
Forensic accountant
Payroll administrator
Risk assessor
Tax advisor
Treasurer
 






 Jobs of Finance Discipline: 

Commercial banker
Financial consultant
Financial manager
Financial trader
Hedge fund manager
Insurance officer
Investment banker
Quant specialist


Collected by: Md. Rayhanul Islam, Lecturer, Accounting, DIU.

37
The traditional Iftari items of Chawkbazar has a distinct appeal to the food connoisseurs. Chawkbazar of old Dhaka is the oldest place for the traditional Iftar market. During the month of Ramadan, the entire road in front of Chawkbazar Shahi Mosque throbs with the bustling sounds of human multitude buying their Iftari items from Iftari stalls spreading from one corner of the road to another. The air of Chawkbazar—popularly known as Chawk becomes redolent with the strong aroma of the piled up heaps of Iftari delicacies laid out on large trays and in bamboo baskets. Chawkbazar has a legendary status attached with it.
 
Bangladesh is perhaps the only place in the world where you will get the six popular Iftar items – Muri, Piyajuu, Jhal Boot, Beguni, Ghoogni and Alu (potato) or Daal (lentil), Puri (doughnut shaped item made of flour with either potato paste or lentil mixed with it) all are mashed into a single preparation with a little addition of mustard oil and green chillies. It is generally taken from a large bowl as a shared delicacy. Chawkbazar sells a distinctive variety of these mashed assortments by adding minced chicken into it that goes by a grandiose name ‘Boro Baper Polay Khay’ literally meant for rich men’s sons’ consumption). However a silent conflict has been going on regarding the real ownership of this famed Iftari item(Collected)


Md. Rayhanul Islam
Lecturer
Department of Business Administration
 

38
BBA Discussion Forum / History of Forensic Accounting
« on: June 17, 2015, 11:36:29 PM »
The word forensic is a derivative of the Latin word forensis, meaning belonging to the forum, which was ancient Rome’s site for public debate. Forensic means relating to the use of science or technology in the investigation and establishment of facts or evidence in a court of law. Thus, forensic testimony or forensic medicine is used to assist the court or the attorneys in resolution of legal issues, including assistance at trial. The integration of accounting, auditing, and investigative skills yields the specialty known as forensic accounting. Modern day forensic accounting can be defined as using financial knowledge and skill in conjunction with investigative techniques to resolve a matter in a legally defensible manner exacting to the specifications of the law.
Forensic accountants are hired to investigate, analyze, interpret, summarize, and present complex financial information. Normally, accountants, especially CPAs, act like watchdogs; a forensic accountant is trained to act more like an FBI Special Agent with a CPA designation. We are taught to look beyond the numbers and to assist with the protection and/or recovery of assets. Personal attributes of a forensic accountant include curiosity, persistence, creativity, organizational skills, self-confidence, and sound professional judgment.


Md. Rayhanul Islam
Lecturer, Accounting

39
BBA Discussion Forum / Taxation is an Easy Subject
« on: June 17, 2015, 12:07:41 PM »
Tax is an Easy Subject, and it should be!!


Tax is a tough course!!!!!! ? No.


Most of the students think that Taxation is a very tough course and Really it is such. But Taxation should be a flexible and easy course. Because if we make or take it as a difficult course we won’t be able to learn the taxation rules and policies easy. We know tax revenue is the main source of government revenue. But if we fear about taxation rules and policies, how we will be able to increase the tax revenue for the government? If the tax payers feel taxation difficult, they will not be interested to pay tax because of complexities. Rather if the tax payers feel that paying tax is an easy job, rules and policies are flexible , they will feel encouraged to pay tax and subsequently government tax revenue will increase. So taxation rules regulations should be easy and the subject Taxation should be easy. I personally call taxation is “ An Easy Difficult Subject”. Because we make the difficult things easy in the Taxation class.

Md. Rayhanul Islam
Lecturer
Department of Business Administration

40
Guidance for Job Market / Be positive
« on: June 16, 2015, 10:01:45 PM »
If you are not in service and anybody ask you- where do you work? Never say, I am unemployed. Answer should be, I am studying and looking for a good job.


Md. Rayhanul Islam
Lecturer
Business Administration

41
Career Tips / Choosing major subject
« on: June 16, 2015, 09:54:00 PM »
Students mainly the students of BBA program have to choose a major course after completing around 3 years of the program. Definitely this is an important task and turning point of the career. In most of the cases students are influenced by the circles like friends or best/good friends. Sometimes they get the decision from family members like parents or elder brothers/sisters.  Some students choose the major emotionally. Some think to get a bank job major must be FINANCE while some other think ACCOUNTING or MARKETING has huge market demand. Anyways, in choosing two factors need to be considered. Firstly, Students personal interest in the subject and secondly academic skill in that subject. For example someone loves FINANCE very much but she/he is very poor in FINANCE, she/he should not take accounting. Because result is a matter. So students are recommended to choose major by considering both area of interest and previous result in that area.

42
Business & Entrepreneurship / Learn Tally at Dhaka
« on: June 15, 2015, 10:36:43 PM »
The Business Graduates specially with major in Accounting have to learn Accounting Software (tally is better) to make a advantageous position in highly competitive market. The students who are going to be graduate with accounting can contact the following address:
Ground Floor, 27/3 Central Road, Dhanmondi, Dhaka-1205
You can visit the following link as well for details: http://tallysoftware.com.bd/contact/

43
The governors of eight South Asian central banks in Dhaka last week deliberated on ways to strike more financial inclusion as a tool of furthering the pace of growth in the region. This has provided a unique opportunity for all the top central bankers in this region to share each other's experiences in bringing into the banking mainstream the un-banked millions through easy-to-handle tools. Internationally-acclaimed economist and governor of the Reserve Bank of India (RBI), Dr Ragunathan Rajan has particularly provided very useful inputs to heads of seven other South Asian central banks for soul-searching in order to take appropriate actions for better banking practices to lift the region out of extreme poverty and inequality.

On its part, Bangladesh has already earned acclaim during interactions of the central bank governors for its innovative tools to help widen access to banking as part of financial inclusion. Even the RBI governor commended the Bangladesh Bank's (BB's) initiatives like mobile and agent banking in a path-breaking financial inclusion of millions of the poor who had never known what banks and how cumbersome banking practices are. The BB deserves kudos for bringing banking transactions to the doorsteps of all, including the extreme poor, farmers and school students.           

Achievements of the BB have, on many counts, outshone others in this region, in terms of financial inclusion. Even India is yet to make headway to its desired level in this field. It is surprising to note that a half of a record 160 million accounts opened in India as part of a drive to offer banking to all, are still empty. This illustrates a massive task ahead for one of the Indian government's most high-profile campaigns and the strain on banks. India had launched a scheme last August to end 'financial untouchability', an ambitious programme to enable tens of its millions to have access to a bank. It offers free insurance and even an overdraft facility and aims to eventually help deliver all subsidies and other social benefits to the poor directly. But while millions signed up -- the volume of accounts made a Guinness World Record and the RBI hit its target, 53 per cent of such accounts have never been used the services as of June 03 last, as records showed.

Promotion of inclusive financing and environmentally benign green financing are going together in this country, largely because of the BB's initiative for ingraining a socially responsible financing ethos in its financial sector. There is also a concerted package of sustained thrusts on motivation, enabling measures and appropriate policy support. Most banks and financial institutions are by now on board with their enthusiastic engagement in inclusive and green financing initiatives. The government has also helped with interest subsidy in financing for farming of some high-value exotic crops. Inclusivity and environmental sustainability are now issues being routinely reviewed in formulation of the BB's monetary and financial policies.

It is also a positive development that all the South Asian central banks are already actively engaged in financial inclusion and green financing initiatives with encouraging performance in upholding broad-based growth and macro-financial stability. With the Dhaka meeting, the central banks of South Asia are expected to work more close together through exchange of ideas and experiences for better sustaining growth and stability over the longer term (The Financial Express Editorial on 15/06/2015).

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নতুন বার্তা ডেস্ক
দুবাই: সংযুক্ত আরব আমিরাতে গিয়েছেন৷ ড্রাইভিং টেস্টে উত্তীর্ণ হতে চান? গাড়ি চালানো জানেন কিন্তু  যে ভাষায় লিখিত পরীক্ষা নেওয়া হচ্ছে তা জানেন না৷ফলে উত্তীর্ণ হতে পারছেন না৷ কিন্তু, সেপ্টেম্বর থেকে সেই সমস্যা থেকে মিলতে চলেছে রেহাই৷

এবার থেকে ড্রাইভিং টেস্টে উত্তীর্ণ হতে গেলে যে কয়েকটি ভাষা জানা প্রয়োজন সেই তালিকায় স্থান পাচ্ছে বাংলা৷ আরো রয়েছে মধ্যে রয়েছে হিন্দি ও তামিল৷ বর্তমানে ইংরেজি, উর্দু ও আরবিতে এই পরীক্ষা নেওয়া হয়৷ কিন্তু, সেপ্টেম্বর থেকে এই তালিকায় স্থান পাচ্ছে আরও কয়েকটি ভাষা৷ যার মধ্যে এই ভাষাগুলিও রয়েছে বলে জানিয়েছে আরব আমিরাতের সড়ক পরিবহন কর্তৃপক্ষ৷এই সিদ্ধান্তকে স্বাগত জানিয়েছে প্রত্যেকেই৷–

45
Business & Entrepreneurship / For lesson
« on: June 12, 2015, 09:26:10 PM »
"তোমরা যদি সত্যিকারভাবেই আল্লাহর উপর ভরসা কর তবে তিনি পাখিদের মতই তোমাদের রিযিকের ব্যবস্থা করবেন। ভোর বেলা পাখিরা খালি পেটে বেরিয়ে যায় এবং সন্ধ্যাবেলায় ভরাপেটে ফিরে আসে।" -আল-হাদীস।
(উমর ইবনুল খাত্তাব (রাঃ) থেকে বর্ণিত। তিরমিযী থেকে মিশকাতে)।
.
ব্যাখ্যাঃ পাখিদের সাথে উপমা দিয়ে রাসূল (সাঃ) এ সত্য তুলে ধরেছেন যে, হাত-পা গুটিয়ে ঘরে বসে থাকার নাম আল্লাহর উপর ভরসা (তাওয়াক্কুল) নয়। বরং আল্লাহর দেয়া সুযোগ-সুবিধা ও উপায় উপকরণসমূহ কাজে লাগিয়ে ফলাফলের জন্য তাঁর উপর নির্ভর করার নামই হচ্ছে তাওয়াক্কুল।
.
"এক ব্যাক্তি রাসূল (সাঃ)-কে জিজ্ঞেস করলেন, হে আল্লাহর রাসূল ! আমি কী উট বেঁধে রেখে আল্লাহর উপর ভরসা করব, না বন্ধনমুক্ত রেখে? তিনি বললেনঃ উট বেঁধে নাও, অতপর আল্লাহর উপর ভরসা কর।" -আল-হাদীস।
(আনাস ইবনে মালেক থেকে বর্ণিত। তিরমিযী শরীফ)।
.
আল্লাহ আমাদেরকে সকল ক্ষেত্রে তাঁর উপর একশতভাগ ভরসা রাখে এমন ঈমান দিন এবং তাঁর পক্ষ থেকে আমাদের সকলের জন্য সম্মানজনক উত্তম রিযিকের বন্দোবস্ত করে দিন। আমিন।।

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