This study investigates the influences of a set of financial ratios on non-performing loans and to show to what extent of listed commercial banks in Bangladesh. In this study, we applied an econometric model to find out correlations among financial ratios and a sample of 96 observations has been analyzed from 20 banks out of 30 listed commercial banks during 2010-2015. This paper mostly agrees with the existing literature that, credit-deposit ratio, net interest margin have a positive influence on the non-performing loans and capital adequacy ratio, return on assets have a negative influence on the non-performing loans. This research also reveals that, sensitive sector’s loan, priority sector’s loan have significant positive influence on the non-performing loans and unsecured loans, profit per employee, investment deposit ratio have significant negative impact on gross non-performing loan. The findings of this research would help commercial banks to maintain standard financial ratios in order to improve their loan qualities and it would be beneficial to the central bank to examine its existing policy in banking supervision relating to the ratios of regulatory requirements like capital adequacy ratio the banks shall maintain.
The present study was done to examine the employment and income generation of small farmers through family poultry. The objectives of the study were to identify socio economic features of family poultry, to examine the impact of family poultry on household improvement, to determine cost, return and profitability of family poultry, to identify the problems faced by family poultry farmer and for its improvement. The data were collected from 90 family poultry farms from Sadarupazila and Trishalupazila of Mymensingh district through face to face interview. The result of the study shows that, the average gross return, gross cost and net return of family poultry farms were Tk. 7314.84, Tk. 3698.90 and Tk. 3615.94 respectively. The Benefit cost ratio was 1.98. Therefore, family poultry farm is highly profitable. The study also determined the impact of family poultry production on livelihood of poultry farmers. The income of 60% poultry farms has increased and for savings, it was 32%. The physical assets (agricultural tools and furniture and equipment's) of poultry farms have improved by 57% and 27% respectively. Sanitation, drinking water facility and medicinal facility of poultry farmers were improved by 26%, 18% and 37% respectively. It is also found from the study that the livelihood of 38% poultry farmers was improved through family poultry production.
Data were collected by using well structured questionnaire. Age group of 31-40 years was the highest (40%) in Bhagyakul whereas in Mandra the highest was 41 -50 years (40%). The maximum fishermen (80%) were Hindu in Bhagyakul while higher percentage of Muslim fishermen (88) was found in Mandra. Education status of this community was very poor, 14% totally illiterate, 24% can sign only, 20% got primary education, and the rest 22% got secondary and higher secondary education, and no graduate. The majority (58%) of the respondents had 'Kacha', 18% had half-concrete, 10% had tinshed and only 2% had concrete house. About 46% of the fishermen got their health service from village doctor/'Kobiraj', remaining people went to upazila health complex (18%), district hospital (14%), and MBBS doctor (20%), but a few people do not get any treatment (2%) due to lack of money. About 18% fishermen had 'Pakka' toilet, 30% had 'semi-Pakka', 46% had 'Kacha' toilet and rest of 12% had no sanitary facility.The annual income of fishermen in the study area varied from BDT 66,000 -1,05,000. The fishermen received loan from different national and local NGOs for buying fishing gears and boats.
India has built barrages on 17 more rivers in the east and northeast border with Bangladesh. Most of these dams and embankments act as the main barrier to flow water towards downstream like Bangladesh. As a result the rivers of Bangladesh that comes from India are falling in crisis of proper water. A study showed about 30 rivers of north-western part of Bangladesh gets very few water only due to dams and embankment made by India at the upstream of those rivers. Such massive water control projects of India are clearly a threat for a state that lies down of those. Unfortunately, and often ironically, national leaders of our country prefer to negotiate this sensitive matter rather than to make a strong protect of this inhuman and unethical activities. What is more astonishing news is that some time our state policy makers like to keep silent and avoid about it. India is always ready to controlling nature to serve economic development rather than addressing issues of trans-boundary and socio-environmental responsibilities. In fact, Indian plan to divert the water of Frontier Rivers is increasing at an alarming rate for Bangladesh. Here one thing is mentionable that is this types of project even harmful for India also. And peoples of north western state of India are in against of such harmful and high ambitious unnecessary project. Some time they also make a protest against it. Recently China and India are going to establish a large dam at the up Stream of Brahmaputra River. It would impair India's own plan to link approximately thirty of its own rivers, a project that is bound to affect the downstream riparian state of Bangladesh. As a result drastic fall in the water flow of Teesta during the lean season, especially in February and March will occur in more frequent and will seriously hampers irrigation in Bangladesh. Such international trans-boundary river development projects raise many important issues. They never consider the impact that will impose upon the down stream part like Bangladesh.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.
hi@scite.ai
10624 S. Eastern Ave., Ste. A-614
Henderson, NV 89052, USA
Copyright © 2024 scite LLC. All rights reserved.
Made with 💙 for researchers
Part of the Research Solutions Family.