Bangladesh Smart Economics Society- BESS

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Smart Research Fellowship
22/06/2026

Smart Research Fellowship

Field Impact Evaluation | Rural Women's Economic Empowerment & Financial Literacy in climate -Affected Bangladesh . Toda...
18/06/2026

Field Impact Evaluation | Rural Women's Economic Empowerment & Financial Literacy in climate -Affected Bangladesh .

Today, I conducted a field assessment to evaluate the impact of our financial literacy & entrepreneurs program among rural women.

Through direct interviews, workshops, and visits to agriculture and fisheries enterprises, I observed strong improvements in income generation, financial decision-making, and business sustainability.

Many participants have become self-reliant micro-entrepreneurs, strengthening household resilience.

I also identified key challenges—such as market access and climate risks—and provided practical, localized solutions to support their growth.

This experience reaffirms a key principle of development economics: financial literacy combined with market access can drive real, sustainable economic transformation.


āĻ—āĻŦ⧇āώāĻŖāĻž āĻļ⧁āϰ⧁ āĻ•āϰāϤ⧇ āĻ—āĻŋā§Ÿā§‡ āĻāϕ⧇āĻŦāĻžāϰ⧇ āύāϤ⧁āύāϰāĻž āϝ⧇ āĻĻ⧁āĻŸā§‹ āϜāĻŋāύāĻŋāϏ āύāĻŋā§Ÿā§‡ āϏāĻŦāĻšā§‡ā§Ÿā§‡ āĻŦ⧇āĻļāĻŋ āϗ⧁āϞāĻŋā§Ÿā§‡ āĻĢ⧇āϞ⧇āύ, āϤāĻž āĻšāϞ⧋ Research Gap āφāϰ Problem Stateme...
12/06/2026

āĻ—āĻŦ⧇āώāĻŖāĻž āĻļ⧁āϰ⧁ āĻ•āϰāϤ⧇ āĻ—āĻŋā§Ÿā§‡ āĻāϕ⧇āĻŦāĻžāϰ⧇ āύāϤ⧁āύāϰāĻž āϝ⧇ āĻĻ⧁āĻŸā§‹ āϜāĻŋāύāĻŋāϏ āύāĻŋā§Ÿā§‡ āϏāĻŦāĻšā§‡ā§Ÿā§‡ āĻŦ⧇āĻļāĻŋ āϗ⧁āϞāĻŋā§Ÿā§‡ āĻĢ⧇āϞ⧇āύ, āϤāĻž āĻšāϞ⧋ Research Gap āφāϰ Problem StatementāĨ¤

āĻĻ⧇āĻ–āϤ⧇ āĻŦāĻž āĻļ⧁āύāϤ⧇ āĻ•āĻžāĻ›āĻžāĻ•āĻžāĻ›āĻŋ āĻŽāύ⧇ āĻšāϞ⧇āĻ“, āĻāϰāĻž āφāϏāϞ⧇ āĻāĻ•āϟāĻž āĻĨāĻŋāϏāĻŋāϏ āĻŦāĻž āϰāĻŋāϏāĻžāĻ°ā§āϚ āĻĒ⧇āĻĒāĻžāϰ⧇āϰ āĻĻ⧁āĻŸā§‹ āφāϞāĻžāĻĻāĻž āĻ…āĻ§ā§āϝāĻžā§ŸāĨ¤

āϧāϰ⧁āύ, Research Gap āĻšāϞ⧋ āφāĻĒāύāĻžāϰ āĻāĻ•āϟāĻž āφāĻŦāĻŋāĻˇā§āĻ•āĻžāϰāĨ¤ āφāĻĒāύāĻŋ āĻĻāĻŋāύ⧇āϰ āĻĒāϰ āĻĻāĻŋāύ āĻĒ⧇āĻĒāĻžāϰ āĻĒ⧜āϤ⧇ āĻĒ⧜āϤ⧇ āĻšāĻ āĻžā§Ž āĻāĻ•āϟāĻž āϜāĻžā§ŸāĻ—āĻžā§Ÿ āĻāϏ⧇ āĻĨāĻŽāϕ⧇ āϗ⧇āϞ⧇āύāĨ¤āφāϰ⧇, āĻāχ āϜāĻžā§ŸāĻ—āĻžāϟāĻžāϤ⧇ āϤ⧋ āϕ⧇āω āĻ•āĻžāϜ āĻ•āϰ⧇āύāĻŋ! āĻŦāĻž āĻ•āϰāϞ⧇āĻ“, āĻ•āĻžāϜāϟāĻž āĻ āĻŋāĻ•āĻŽāϤ⧋ āĻšā§ŸāύāĻŋāĨ¤ āϞāĻŋāϟāĻžāϰ⧇āϚāĻžāϰ⧇āϰ āĻāχ āϝ⧇ āĻļā§‚āĻ¨ā§āϝāĻ¸ā§āĻĨāĻžāύāϟāĻž, āĻāϟāĻžāχ GapāĨ¤ āĻāϟāĻž āĻ•āĻŋāĻ¨ā§āϤ⧁ āφāĻĒāύāĻŋ āύāĻŋāĻœā§‡ āϤ⧈āϰāĻŋ āĻ•āϰ⧇āύ āύāĻž, āϞāĻŋāϟāĻžāϰ⧇āϚāĻžāϰ āϰāĻŋāĻ­āĻŋāω āĻ•āϰāϤ⧇ āĻ—āĻŋā§Ÿā§‡ āφāĻĒāύāĻŋ āĻāϟāĻž āϖ⧁āρāĻœā§‡ āĻĒāĻžāύāĨ¤

āĻ…āĻ¨ā§āϝāĻĻāĻŋāϕ⧇, Problem Statement āĻšāϞ⧋ āφāĻĒāύāĻžāϰ āϏ⧇āχ āφāĻŦāĻŋāĻˇā§āĻ•āĻžāϰāϕ⧇ āĻāĻ•āϟāĻž āϞāϜāĻŋāĻ•ā§āϝāĻžāϞ āϝ⧁āĻ•ā§āϤāĻŋāϤ⧇ āĻĻāĻžāρ⧜ āĻ•āϰāĻžāύ⧋āĨ¤ Gap āϝāĻĻāĻŋ āφāĻĒāύāĻžāϕ⧇ āĻŦāϞ⧇ āĻāχ āϰāĻžāĻ¸ā§āϤāĻžā§Ÿ āφāϗ⧇ āϕ⧇āω āĻšāĻžāρāĻŸā§‡āύāĻŋ, Problem Statement āϤāĻ–āύ āĻŦāϞ⧇ āφāĻŽāĻŋ āĻāχ āϰāĻžāĻ¸ā§āϤāĻžā§Ÿ āĻšāĻžāρāϟāĻŦ, āĻāĻŦāĻ‚ āφāĻŽāĻžāϰ āĻšāĻžāρāϟāĻžāϟāĻž āĻāχ āĻāχ āĻ•āĻžāϰāϪ⧇ āϜāϰ⧁āϰāĻŋāĨ¤

āĻāĻ•āϟāĻž āĻŦāĻžāĻ¸ā§āϤāĻŦ āωāĻĻāĻžāĻšāϰāĻŖ āĻĻāĻŋāχāĨ¤

āϧāϰ⧇ āύāĻŋāύ, āĻŦāĻžāĻ‚āϞāĻžāĻĻ⧇āĻļ⧇āϰ āĻ•ā§āώ⧁āĻĻā§āϰ āĻ•ā§ƒāώāĻ•āĻĻ⧇āϰ āĻĒā§āϰāϝ⧁āĻ•ā§āϤāĻŋ āĻ—ā§āϰāĻšāĻŖ (Technology Adoption) āύāĻŋā§Ÿā§‡ āĻ…āύ⧇āĻ• āĻ—āĻŦ⧇āώāĻŖāĻž āφāϛ⧇āĨ¤ āĻ•āĻŋāĻ¨ā§āϤ⧁ āφāĻĒāύāĻŋ āĻĻ⧇āĻ–āϞ⧇āύ, āĻšāĻžāĻ“āϰ āĻ…āĻžā§āϚāϞ⧇āϰ āĻ•ā§ƒāώāĻ•āĻĻ⧇āϰ āύāĻŋā§Ÿā§‡ āϤ⧇āĻŽāύ āϕ⧋āύ⧋ āĻ•āĻžāϜāχ āĻšā§ŸāύāĻŋāĨ¤ āĻāϟāĻž āĻšāϞ⧋ āφāĻĒāύāĻžāϰ GapāĨ¤

āĻāĻ–āύ, āĻāχ Gap āĻĨ⧇āϕ⧇ Problem Statement-āϟāĻž āϕ⧇āĻŽāύ āĻšāĻŦ⧇? āĻ…āύ⧇āĻ•āϟāĻž āĻāĻŽāύ, āĻšāĻžāĻ“āϰ āĻ…āĻžā§āϚāϞ⧇āϰ āϭ⧌āĻ—ā§‹āϞāĻŋāĻ• āĻ…āĻŦāĻ¸ā§āĻĨāĻžāύ āĻāĻŦāĻ‚ āĻŽā§ŒāϏ⧁āĻŽā§€ āĻŦāĻ¨ā§āϝāĻž āϕ⧀āĻ­āĻžāĻŦ⧇ āĻāĻ•āϜāύ āĻ•ā§ƒāώāϕ⧇āϰ āĻĒā§āϰāϝ⧁āĻ•ā§āϤāĻŋ āĻ—ā§āϰāĻšāϪ⧇āϰ āϏāĻŋāĻĻā§āϧāĻžāĻ¨ā§āϤāϕ⧇ āĻĒā§āϰāĻ­āĻžāĻŦāĻŋāϤ āĻ•āϰāϛ⧇, āϏ⧇āϟāĻž āĻāĻ–āύ⧋ āĻ…āĻ¸ā§āĻĒāĻˇā§āϟāĨ¤ āĻāχ āϏāĻŽāĻ¸ā§āϝāĻžāϰ āϏāĻŽāĻžāϧāĻžāύ āύāĻž āĻšāϞ⧇ āĻ“āχ āĻ…āĻžā§āϚāϞ⧇āϰ āĻ•ā§ƒāώāĻŋāϰ āĻĒāϞāĻŋāϏāĻŋ āĻŽā§‡āĻ•āĻŋāĻ‚ āĻŦāĻžāϧāĻžāĻ—ā§āϰāĻ¸ā§āϤ āĻšāĻŦ⧇āĨ¤

āĻĻ⧇āϖ⧁āύ Gap āφāĻĒāύāĻžāϕ⧇ āĻĻ⧇āĻ–āĻŋā§Ÿā§‡ āĻĻāĻŋāϞ āĻļā§‚āĻ¨ā§āϝāϤāĻžāϟāĻž āϕ⧋āĻĨāĻžā§ŸāĨ¤ āφāϰ Problem Statement āϜāĻžāĻ¸ā§āϟāĻŋāĻĢāĻžāχ āĻ•āϰāϞ āϝ⧇, āĻ“āχ āĻļā§‚āĻ¨ā§āϝāϤāĻžāϟāĻž āĻĒā§‚āϰāĻŖ āĻ•āϰāĻž āϕ⧇āύ āϜāϰ⧁āϰāĻŋ āĻāĻŦāĻ‚ āφāĻĒāύāĻŋ āĻ āĻŋāĻ• āϕ⧋āύ āĻĒā§āϰāĻļā§āύ⧇āϰ āωāĻ¤ā§āϤāϰ āϖ⧁āρāϜāϛ⧇āύāĨ¤

āϏāĻŦāĻļ⧇āώ⧇ āĻāĻ•āϟāĻž āϛ⧋āĻŸā§āϟ insight āĻĻāĻŋāχ, āϝ⧇āϟāĻž āĻ…āύ⧇āĻ• āĻ—āĻŦ⧇āώāĻ•āχ āĻŽāĻŋāϏ āĻ•āϰ⧇āύāĨ¤
āϕ⧋āĻĨāĻžāĻ“ āĻāĻ•āϟāĻž Gap āĻĨāĻžāĻ•āϞ⧇āχ āϝ⧇ āϏ⧇āϟāĻž āύāĻŋā§Ÿā§‡ āφāĻĒāύāĻžāϕ⧇ āĻ—āĻŦ⧇āώāĻŖāĻž āĻ•āϰāϤ⧇ āĻšāĻŦ⧇, āĻāĻŽāύ āϕ⧋āύ⧋ āĻ•āĻĨāĻž āύ⧇āχāĨ¤ Gap āϟāĻž āφāĻĻ⧌ significant āĻ•āĻŋ āύāĻž āϏ⧇āϟāĻžāχ āφāϏāϞ āĻĒā§āϰāĻļā§āύāĨ¤ Problem Statement āĻŽā§‚āϞāϤ āϏ⧇āχ significance āĻŦāĻž āϗ⧁āϰ⧁āĻ¤ā§āĻŦāϟāĻžāχ āĻĒā§āϰāĻŽāĻžāĻŖ āĻ•āϰ⧇āĨ¤ āφāĻĒāύāĻŋ āϝāĻ–āύ āĻāĻ•āϟāĻž āϏāϞāĻŋāĻĄ Problem Statement āϞāĻŋāĻ–āĻŦ⧇āύ, āϤāĻ–āύ āĻĒ⧇āĻĒāĻžāϰ⧇āϰ Reviewer āĻĒā§œā§‡āχ āĻŦ⧁āĻāϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύ āĻāχ āĻ—āĻŦ⧇āώāĻŖāĻžāϟāĻž āύāĻž āĻšāϞ⧇ āϤ⧋ āφāϏāϞ⧇āχ āĻāĻ•āϟāĻž āĻ•ā§āώāϤāĻŋ āĻ›āĻŋāϞāĨ¤

āϏ⧋āϜāĻž āĻ•āĻĨāĻžā§Ÿ, Research Gap āϖ⧁āρāĻœā§‡ āĻŦ⧇āϰ āĻ•āϰāĻžāϟāĻž āĻšāϞ⧋ āĻāĻ•āϟāĻž SkillāĨ¤ āφāϰ āϏ⧇āχ Gap āĻĨ⧇āϕ⧇ āĻāĻ•āϟāĻž Problem Statement āϞ⧇āĻ–āĻžāϟāĻž āĻšāϞ⧋ Art!
āϞāĻŋāϖ⧇āϛ⧇āύ Zabir!

— Azizul Haque
— Oriyet-āĻ…āϰāĻŋā§Ÿā§‡āϟ

12/06/2026

🌸 Healthy Body, Healthy Mind 🌸

āφāĻŽāĻžāĻĻ⧇āϰ āĻļāϰ⧀āϰ āĻļ⧁āϧ⧁ āĻĻ⧇āĻ–āϤ⧇ āϕ⧇āĻŽāύ, āϏ⧇āϟāĻžāχ āφāĻŽāĻžāĻĻ⧇āϰ āĻĒāϰāĻŋāϚāϝāĻŧ āύāϝāĻŧāĨ¤ āύāĻŋāĻœā§‡āϰ āĻĒā§āϰāϤāĻŋ āϏāĻŽā§āĻŽāĻžāύ, āφāĻ¤ā§āĻŽāĻŦāĻŋāĻļā§āĻŦāĻžāϏ, āχāϤāĻŋāĻŦāĻžāϚāĻ• āĻĻ⧃āĻˇā§āϟāĻŋāĻ­āĻ™ā§āĻ—āĻŋ āĻāĻŦāĻ‚ āϏ⧁āĻ¸ā§āĻĨ āĻ–āĻžāĻĻā§āϝāĻžāĻ­ā§āϝāĻžāϏ āĻ—āĻĄāĻŧ⧇ āϤ⧋āϞāĻžāϰ āĻŽāĻ§ā§āϝ⧇āχ āϞ⧁āĻ•āĻŋāϝāĻŧ⧇ āφāϛ⧇ āĻĒā§āϰāĻ•ā§ƒāϤ āϏ⧁āĻ¸ā§āĻĨāϤāĻžāĨ¤

āĻāχ āĻŦāĻŋāώāϝāĻŧāϗ⧁āϞ⧋ āύāĻŋāϝāĻŧ⧇ āφāϞ⧋āϚāύāĻž āĻ•āϰāϤ⧇ āφāĻŽāϰāĻž āφāϝāĻŧā§‹āϜāύ āĻ•āϰ⧇āĻ›āĻŋ "Healthy Body, Healthy Mind" āĻļā§€āĻ°ā§āώāĻ• ā§Ē-āϏāĻĒā§āϤāĻžāĻšāĻŦā§āϝāĻžāĻĒā§€ āĻ…āύāϞāĻžāχāύ āϏāĻšā§‡āϤāύāϤāĻžāĻŽā§‚āϞāĻ• āĻ“ āϏāĻžāĻĒā§‹āĻ°ā§āϟ āĻĒā§āϰ⧋āĻ—ā§āϰāĻžāĻŽā§‡āϰ āĻĒā§āϰāĻĨāĻŽ āϏ⧇āĻļāύāĨ¤

📌 Week 1 Session: Understanding Body Image: Building a Healthy Relationship with Yourself

🎤 Guest Speaker:
Taslima Khatun
Associate Professor and Head
Department of Community Nutrition
Bangladesh University of Health Sciences

đŸŽ™ī¸ Moderator:
Mst. Sabrina Afroz
B.Sc in Food and Nutrition
Government College of Applied Human Science

📅 DATE: 12 June 2026 (Friday)
⏰ Time: 8:00 PM – 9:00 PM
đŸ’ģ Platform: Zoom

āϝāĻžāϰāĻž āύāĻŋāĻœā§‡āĻĻ⧇āϰ āĻļāϰ⧀āϰ, āĻ–āĻžāĻĻā§āϝāĻžāĻ­ā§āϝāĻžāϏ āĻāĻŦāĻ‚ āĻŽāĻžāύāϏāĻŋāĻ• āϏ⧁āĻ¸ā§āĻĨāϤāĻž āύāĻŋāϝāĻŧ⧇ āχāϤāĻŋāĻŦāĻžāϚāĻ• āĻĒāϰāĻŋāĻŦāĻ°ā§āϤāύ āφāύāϤ⧇ āφāĻ—ā§āϰāĻšā§€, āϤāĻžāĻĻ⧇āϰ āϏāĻŦāĻžāχāϕ⧇ āĻ…āĻ‚āĻļāĻ—ā§āϰāĻšāϪ⧇āϰ āφāĻ¨ā§āϤāϰāĻŋāĻ• āφāĻŽāĻ¨ā§āĻ¤ā§āϰāĻŖāĨ¤

🔗 āĻĒā§āϰ⧋āĻ—ā§āϰāĻžāĻŽā§‡āϰ āϰ⧇āϜāĻŋāĻ¸ā§āĻŸā§āϰ⧇āĻļāύ āϞāĻŋāĻ‚āĻ• āύāĻŋāĻšā§‡ āĻĻ⧇āĻ“āϝāĻŧāĻž āĻšāϞ⧋āĨ¤
āύāĻŋāĻ°ā§āϧāĻžāϰāĻŋāϤ āϏāĻŽāϝāĻŧ⧇āϰ āĻŽāĻ§ā§āϝ⧇ āύāĻŋāĻŦāĻ¨ā§āϧāύ āϏāĻŽā§āĻĒāĻ¨ā§āύ āĻ•āϰ⧇ āφāĻŽāĻžāĻĻ⧇āϰ āϏāĻ™ā§āϗ⧇ āϝ⧁āĻ•ā§āϤ āĻšā§‹āύāĨ¤

āφāϏ⧁āύ, āύāĻŋāĻœā§‡āϰ āĻĒā§āϰāϤāĻŋ āφāϰāĻ“ āϏāĻšāĻžāύ⧁āĻ­ā§‚āϤāĻŋāĻļā§€āϞ āĻšāχ āĻāĻŦāĻ‚ āĻāĻ•āϟāĻŋ āϏ⧁āĻ¸ā§āĻĨ āĻ“ āχāϤāĻŋāĻŦāĻžāϚāĻ• āĻœā§€āĻŦāύāϧāĻžāϰāĻž āĻ—āĻĄāĻŧ⧇ āϤ⧁āϞāĻŋāĨ¤

How much do the CEOs of Bangladesh’s leading banks earn? How old are they, and how long have they been leading their res...
07/06/2026

How much do the CEOs of Bangladesh’s leading banks earn? How old are they, and how long have they been leading their respective institutions? This comparative overview is based on audited 2025 disclosures.

Discussions about bank profitability, share prices, and dividends are common. However, far less attention is given to the executives who oversee billions in assets, safeguard millions of customer deposits, and lead large workforces across the country.

One particularly interesting insight is the significant variation in CEO compensation across the banking sector, despite leaders operating within the same industry and facing similar strategic responsibilities.

Two children are born with the same talent and dreams. One grows up with good schools, healthcare, roads, and internet a...
07/06/2026

Two children are born with the same talent and dreams. One grows up with good schools, healthcare, roads, and internet access. The other grows up without these basic opportunities.

Years later, their lives look very different—not because of their abilities, but because of the opportunities available to them.

🌍 This difference in opportunities and living standards is what economists call the Development Gap.

━━━━━━━━━━━━━━━

📊 Development Gap = The gap between more developed and less developed regions in terms of income, education, healthcare, infrastructure, and quality of life.

đŸĢ Better opportunities today create better outcomes tomorrow.

âš–ī¸ The real challenge of development is not creating talent—it is creating opportunities.

🚀 Closing the development gap means ensuring that where you are born does not determine how far you can go.

━━━━━━━━━━━━━━━

📚 - By Bangladesh Smart Economics Society- BESS

....Official Announcement of Strategic              Memorandum of Understanding (MoU)...We are honoured to announce the ...
04/06/2026

....Official Announcement of Strategic
Memorandum of Understanding (MoU)...

We are honoured to announce the formal signing of a Memorandum of Understanding (MoU) between the HSTU Research Society (Hajee Mohammad Danesh Science & Technology University and the Bangladesh Smart Economics Society- BESS (BSES).

This landmark partnership signifies a mutual commitment to the advancement of academic excellence, research innovation, evidence-based economic policy formulation in Bangladesh.

It is envisaged as a strategic initiative to strengthen the national research ecosystem & cultivate a new generation of competent researchers, analysts, and policy practitioners.

Under this collaboration, both institutions will synergistically engage in the following domains:

🔸 Joint research initiatives and fellowship
programmes aimed at fostering scholarly
excellence & knowledge.
🔸Advanced capacity-building workshops to
enhance analytical and methodological
competencies and Olympiad.
🔸 Data-driven economic and policy discourse to
support informed decision-making.
🔸 Academic knowledge exchange to promote
innovation, critical thinking, and intellectual
development for Bangladeshi Academia.

The Memorandum of Understanding was officially executed on 04 June 2026 by Habibur Rahman, President of Bangladesh Smart Economics Society and Bandhan Sarkar President of Research Society.

This collaboration represents a significant milestone in our shared pursuit of sustainable development, intellectual advancement, and research-driven transformation.

We remain committed to fostering impactful partnerships that contribute meaningfully to the socio-economic progress of Bangladesh.


🌙 Eid Mubarak from the Bangladesh Smart Economics Society! 🇧🇩✨​As we celebrate the joy, unity, and blessings of Eid-ul-A...
27/05/2026

🌙 Eid Mubarak from the Bangladesh Smart Economics Society! 🇧🇩✨

​As we celebrate the joy, unity, and blessings of Eid-ul-Adha, we reflect on the values of sacrifice, inclusivity, and shared prosperity that form the bedrock of a thriving society.

​At BSES, we remain committed to fostering a data-driven, sustainable, and smart economic future for Bangladesh—one where growth reaches every corner of our nation.

​May this auspicious occasion bring peace, happiness, and rewarding success to you, your families, and our economic community.
​Wishing everyone a safe, blessed, and joyous Eid!

​

18/05/2026

Principles of Economics
Credits : Shaha Waliullah

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