This is a primer review of international migration theory and international migration from Bangladesh. We first present a review of the theory of international migration. Regarding international migration from Bangladesh, we note that by the middle of 2020, about 7.4 million people of Bangladesh origin were staying overseas, the sixth-largest worldwide and second-largest in South Asia. Yet there are concerns about illegal human trafficking and smuggling of undocumented workers. Recently there has been the COVID-19 pandemic, starting from the end of 2019 to date. Bangladesh international migration ground realities are often uncertain and challenging, with new situations emerging now and then in many different host countries. In summary, we argue that recent models of migration theory (circular, onward and return migration models) have successfully incorporated issues of international migration from large source countries, such as Bangladesh. Social Science Review, Vol. 38(2), December 2021 Page 51-69

The main objective of this study is to assess the impact of non-performing loans on bank lending behavior before and amid the COVID-19 pandemic. To do this research we have chosen fifteen private commercial banks in Bangladesh and data were taken from the year 2012 to the year 2021. Credit growth as a component of bank lending behavior was selected as the dependent variable and independent variables are non-performing loans to total loans, provision for loan losses to total loans, gross domestic product (GDP) rate, inflation rate, unemployment rate, total loans to total customer deposit, total equity to total asset, tier 1 ratio, growth of customer deposits, the dummy variables are used for incorporating the effect of covid-19. The paper suggests that NPL to total loan, provision for loan losses to total loan, total equity to total asset, and dummy variables (effect of covid-19 on NPL) are found statistically significant and inversely related to credit growth. Another three variables namely total loan to total deposit, deposit growth, and inflation variables are statistically significant and positively related to credit growth. All of the significant variables are consistent with general economic theory except the case for total equity to the total asset. To reduce non-performing loans, the banks may concentrate on improving corporate governance, maintaining strong loan review, thoroughly reviewing the KYC form, must ensure safety principles before approving a loan, collecting information from the CIB, accepting adequate collateral, examining the five C’s, name lending and connected party lending should be strictly prohibited which are quite related with behavioral and judgmental issues, would be a matter of further research.