Nearly a year since the devastating Rana Plaza building collapse, our RMG sector remains

under the global radar screen of concerned quarters. The EU, North American retailers'
alliance and the ILO, among others, have visited our RMG sector to see things at first hand.
They underscored the need for radically improving workers' safety standards, workplace
environment and their rights situation. Whilst noting a certain uplift in the deficient areas,
they laid stress on more to be done in specific areas.
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Last year faced economic recession due to the political violences and strikes. Small
entreprises were tremoundously affected resulting in, especially, closing their shops.
According to world bank, economic loses was estimated at worth $140 or about
TK.110000000000 in 2013, owing to political turmoil. Inspite of prevailing peaceful nature,
Economic condition remains sluggish after 5th January election. In this situation Boishakh-
centered shopping has paced a bit in economy.(i think lots of mistakes ovr thr...pardone)..
Translation #3:

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Land brokers are opposing the DAP. They are purchasing land from poor at low prices and
selling to rich people.Some peoples representatives, who are related to this business, are
associated with it. There is one more thing related to it , that is electoral politics and
apparent popularity. Implementation of development planning is always difficult task.
Personal interest can be spoiled to assure collective interest. As a result, in case of
implementing DAP the initiative that was needed to take public with it or appropriate
campaign on behalf of it from the side of the government , had not been taken. But the
future of Dhaka city and its citizen cannot be allowed to be destroyed to the interest of Land
businessmen.




Translation : Austere/ strict fiscal measure is not fruitful always. Activities of govt. & central
bank should be coherent. Systematic policy development & its effective implementation
have been mandatory in gaining economic growth. New dimension will be added to
economic development if every rural family of the country can be converted into a unit of
economic function.

Strict economic step is not always fruitful.

The related activities of government and central bank must have relevance.

It has become urgent to form constitutional rules/ethics and their proper
actualisation/implementation to attain economic growth.

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The economic development will be added with a new move/dimension if every rural family
unit of the country can become a part of total economic activity.




It is noticed that, RAJUK did not take lessons from mistakes. Rather they have evolved their
mistake by dividing Dhaka into two portion and they are working for implmenting DAP in
two and half times larger than before for each portion. And by the name of these DAPs,
undoubtedly, the country as well as its citizens are going to waste 33 crores taka. As a result
it creates anxiety that more millions of Dollar investment are going to astray.

Foreign direct investment is a soft appealing place for bangladesh.
or Foreign direct investment is a large point of expectation of Bangladesh.or
Foreign Direct Investment(FDI) is a huge urging point for Bangladesh.
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In spite of incubating different sorts of policies to attract FI it has not reached the optimal
level.
or
In spite of supporting the principles to attract foreign investment it has not been reached on
the desire phase. Or After providing various support-policies to attract foreign investments
there is no much progress in the desired stage.
3.
We have not yet been able to fetch amount of 200 crore USD foreign investment.
or
We are yet to be able to catch FI worthy of 200 crores US dollar.
4.
And India, on hand neighbor, is lagging behind on FI pace.
or And the nearest neighboring country India is also lagging behind in this foreign
investment area.
5.
In fact, limited Indian investment toward Bangladesh offers several bottlenecks.
or
Literally, there are several reasons behind limited investment in Bangladesh by India.
6.
All these roadblocks are packing in a long story letting Indian entrepreneurs to invest out of
own landscape. Or and those are related to the long circuit of investing abroad by Indian
entrepreneurs.
or
And it is related with long procedure of Indian enterpreneur investment outside their own
country.
Given that land scarcity has reached critical levels, some basic rethinking about the usage of
land lying unutilised in government possession be thought of as sites for economic zones and
industrial estates.
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:: The ruler class takes the environmentalists and civil society as their enemies. people who
posses river illegally are their bosom friends/intimates. If this self contradictory tendency is
not changed not only Dhaka, but also all the small and large cities of country will be a recipe
of hoarding illegal possession in a century.
(1)David Cameron,the British Premier,had turned to China at a time when the ideas of
confrontation and conflagration are undergoing drastic change in a changing millennium.
:: british prodan montri devid cameron emon somoye chin sofore gelen jokhon poribortonshil
sahosrabdo er prekkhapot mukhamukhi songorsho o uttejonar mode khub druto poriborton
hocche.
(2)The history of violence,injustice,inhumane behaviour against the weak quarters dates back
to ancient times. prachin kaler moto durbol somprodayer biruddhe songhorsho, abichar,
amanobik baboharer itihas abar fire asche.
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:: The fifth T20 world cup has been completed successfully in Bangladesh after the world cup
cricket 2011. Except some little deviations, the whole event was a successful implementation
of a great plan, which has been able to introduce BD to attract global eyes. In this age of
information technology, BD was very close to the whole world , even it can be said that BD
was before the very eyes of them during the event. This largest event has played a
considerable role in entertaining Bangladeshis as well as the whole world along with the
financial sector of BD.
The fifth T-20 world cup cricket has successfuly been ended up in the land of Bangladesh
following world cup cricket in 2011. The complete episode is the successful materialization
of maga plan except a few deviations that makes Bangladesh visiable to the era of world. In
the age of IT, Bangladesh was kept in the touch of world say to said it was just before the
eyes. This maga ceremony has significantly contributed to the financial sector of Bangladesh
along with recreating world people including Bangladesh.
[key word : occurred in a big way,quasi-formal markets, formal financial market, dominant
presence, non-interest cost, quasi-formal credit market, proposition, pivotal role, providing a
big thrust]
occurred in a big way : . quasi-formal markets : .
formal financial market: dominant presence:
non-interest cost: quasi-formal credit market: -
proposition: pivotal role: providing a big thrust :
Bangladesh stands second among South Asian nations in ensuring access to financial services
for its citizens, a recent study found.
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2. Around 66 percent of the households in Bangladesh now have access to services including
credit, savings and insurance from banks or microfinance institutions (MFIs) and
cooperatives, according to Institute of Microfinance (InM).
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3. The country comes second only to Sri Lanka, where 80.4 percent of the population is
covered by the financial umbrella.
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4. In contrast, only 48 percent of the households in India have access to such services and 60
percent in Pakistan.
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5. Financial inclusion has occurred in a big way in Bangladesh thanks to the MFIs, who have
been contributing greatly to resource mobilisation.


6. A little over 31 percent of the households have access to savings and credit in both the
formal and quasi-formal markets.


7. Of them, around 4 percent have access to both deposits and credit in formal financial
market, according to the study.
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8. The quasi-formal market has the dominant presence in deposit/savings
mobilisation and credit. /
9. A total of 8,936 households were randomly selected from 275
upazilas in 63 districts across the country for the study.
10. The
households five-year credit profiles were used to define access to credit, while access to
savings and access to insurance were measured by current or past use of these services.


11. The study found that households have to bear more borrowing cost for getting loan from
formal credit market than from MFIs and cooperatives.
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12. Non-interest cost as percentage of average total transaction cost is the highest in formal
credit market, where it is over 16 percent. In contrast, it is only 9.20 percent in quasi-formal
credit market.
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9.20 .
13. More than 50 percent of the non-interest cost in formal market is bribing, while it is very
negligible in quasi-formal credit market.
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14. A 10 percent increase in the total supply of credit at the village level boosts financial
inclusion by 4.8 percent.
14 . '
15. Financial inclusion is not only about bringing all households under financial network
through savings. It is also about deepening credit services in every part of the country.
15 .
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16. Only around 11 percent of the households have access to formal insurance services due to
less awareness of the service.
16 .
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17. The study, however, suggested that fundamental changes in financial policies and market
structure are required for sustainable financial inclusion.
17 . , ,

18. We have to evaluate the proposition of establishing rural banks or transforming some of
the sound MFIs into rural banks with appropriate governance structure.
18 .

19. A mere policy statement will not sufficea proper debate is required.
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20. Economic growth of a country plays a pivotal role for greater financial inclusion

21. Bangladesh Bank has been providing a big thrust to financial inclusion over the last
couple of years by promoting mobile banking and compelling the banks to open more
branches in rural areas.


22. non-interest costs are high in the formal credit market due to a number of factors that
include loan processing fees and bribes.
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As China has made rapid progress in the last 30 years ,no other country could have made that
in the written history of the world. No other country could bring so many people out of
poverty. The speciality of this development of China is, whenever the country's leaders feel
the need to have it , just as they have remodeled the economic model . They succeeded in
spite of the opposition of powerful vested forces . At the moment when China took another
round program of fundamental reform , then the vested powers have arisen. The ongoing
reforms like the past will not only do the economic reforms , vested interests will be
reconstructed too./ As china has made development in last 30 years, none other country has in
the writhen history of the world. They cannot get much people out of poverty line whereas
china gets. Whenever its political leaders need, the speciality of this development of china,
remodel their economic model. They are succeded despite the protest of vested forces. At this
moment when china takes another round programme, then vested foqces become active. The
current reform programme will not reform economy only as like past but the vested forces
will also be reconstructed.
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Economy of success is clear cut. Urbanization, health service and education costs more
expenditure. Essential finance will come from tax. Growth will be sustained by this such as
environment will also be progressed and discrimination will be lessened. If china politics
implements this agenda, china as well as rest of the world will be auspicious./ the economy of
Success of is clear.High spending in urbanization, health care & education sector. For that,
the necessery money come from taxs. By this , as GDP growth ll sustainable as environment
develepment and reduce inequlity. If chana's politics can recover the implementation of this
agenda, china along with the entire world ll be benefited.



( )

The current inflaming of anti-Russian sentiments takes place against the background of a
spike of racism and xenophobia in many European countries, an increase in the number of
ultra-radical groups and turning a blind eye to neo-Nazi phenomena, whether in Ukraine or
elsewhere.
Leakage of question papers has assumed an endemic scale in our country involving even the
primary terminal examinations. This is highly disconcerting. And given the repetitive nature
of the incident, the onus for the failure to stop the leaks must fall not only on the respective
education boards but also on all those associated with setting, selecting, printing and, finally,
dispatching the same to the exam centers. And one of the reasons why such incidents have
been occurring frequently is the failure to take stringent actions against the culprits

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amader deshe prosno patro fansh mohamari rup dharon koreche emanki prothomik somaponi
porikkhar prosno o er theke rehai paini. eti khubi dukhojonok. ekoi ghotona barbar ghotar
karon sudu sikkha border barthota noi, boronh er sathe jorito prosno binnaskari,
nirbachonkari, mudronkari abong sorbosesh kendre prosno paochanor daitte neiojito lokjon
saho sobai daiee. abonh dhosiderke sasthee dite bartho howa ei ghotona punarabritir
mulkaron.