The pages 4th issue

Behind The Magazine EDITORIAL

FEATURE WRITERS

Editor Tauhidul Islam Apu

Hamidul Islam FCA Omar Khaiyam MBA Tanveer Ahmed Shamrat Tanvir Sani Shomoy Mahmud Shaila Rumana Mannan Bapari Fuad Bin Mostafiz Muntaquimul Chowdhuri Sayef Mehedi Hasan Albakar Rasedul Islam Lalin Firoz Hasan Siddquee Architect Dipozzwal Sen Rokon Azam Anwar Faruq Talukder Raj Babu Liza Akter Haque Salahuddin Howlader

w w w . t h e p a g e s n e w s . c o m

Deputy Editor Sayed Jishan Managing Editor Tanveer Ahmed Shamrat Associate Editor Abu Abid Tipu Creative Editor Abdur Rob Pappu Business Editor Mir Nasimul Islam Salim Style Editor Syeda Jemrina Zaman Editor of Media & Communication Md. Khaled Hossain Chy (Sujon) Feature Editor Muntaquimul Chowdhuri Sayef Planning Editor Mehedy Hasan Albakar Literary Editor Rasedul Islam Lalin Lifestyle Editor Nur Seth Contributing Editor Ziaul Karim Sub Editor Fuad Bin Mostafiz Sekander M A Dipu Sub Editor Feature Tanvir Khair Sani Shaila Rumana

ART Graphic Designer Khandoker Mehedi Hasan Shaila Akther Rumana Md. Mahi Uddin Mozumder Rezaul Karim Tuhin

PHOTOGRAPHY

Director of Photography Apurbo Abdul Latif Photographer Rudro Yousuf Newaz Rahul Photo Journalist R.I.Lalin Ashfika Rahman Taushif Ahmed Shoaib

BRAND DEVELOPMENT Manager Fahim Khan Tariq Hossain Chy Rajon Asst. Manager Kausar Ahmed Md. Ferdous Sr. Executive Al Mamun Khan Khairul Islam Russel Al mamun Titu Harunur Rashid Executive Rahidul Islam Lee Gomaze Robiul Shikder Robi

PRODUCTION Md. Eamin Zabed Md. Asifur Rahman Tushar Md. Hosne Mobarak Apu

ACCOUNTS Bishno Kumar Sarkar Joy Jobayer Tanim Saurav

Makeover Story Makeover

Publisher: Tauhidul Islam Apu Reg. No. - 05.41.2600.025.53.169.30-20 Printed by: SN Printers, 7/3 Sarkular Road, Dhanmondi, Dhaka-1205.

Editorial, News & Commercial Office: House-70 (2nd floor), Road-02, Block-A, Niketon, Gulshan, Dhaka-1212.

Tel: 8828866, 01616499869, 01612620701, 01977042327, 01619997701-2 E-mail: editor.thepages@gmail.com, thepagesnews@gmail.com, www.thepagesnews.com, www.facebook.com/thepagesnews

EDITOR,S LETTER

EDITORIAL Eid -ul -Fitr is a unique festival. It has no connection with any historical event nor is it related to the changes of seasons or cycles of agriculture. It is not a festival related in any way to worldly affairs.Its significance is purely spiritual. It is the day when the Muslims thank Allah for having given them the will, the strength and the endurance to observe fast and obey His commandment during the holy month of Ramadhan. This day, in Muslim world, brings rejoicing and happiness. The rejoicing is not, however, at the departure of the month of Ramadhan; it is the happiness which man feels after successfully completing an important task.

Bangladesh is the only place where we celebrate the Eid-ul-Fitr as no one else does. Our whole month show’s what kind of celebration freak nation we are. Before breaking the feast of everyday we share our food with the nearest and the dearest one of us! We love to eat. We buy our traditional ifter items which is our 400 year old obsession going on and on. Chalk Bazaar get noisier. Shopping malls gets even crowded. The parlors are full of people who want them to look beautiful in the holy occasion of Eid. From kids to the elders all sit together to color their hands with mehedi. We eat and we love to serve it with everyone. We shop not just only for us, we shop for our family, we shop for that guy who can’t even buy a piece of cloth. It’s our passion. It’s the obsession. What can be bigger then this? There is the hum and the ham songs going on everywhere because it is Eid and we are ready to celebrate indeed!

And just for making this Eid even colorful and to date with our tradition of sharing and caring we have focused from the outfits and shopping’s to the households and from parlors to the home treatment. We have it all on this issue! Everything which you are wanting to know to make this Eid even better is here.

Let us all celebrate this Eid together and make this occasion of celebration bright and soothing. It is my expectation that Almighty will bless his Rahmat on each and everyone of us.

Be safe and happy this holy Eid. Eid Mubarak.

Tauhidul Islam

Sujon , Farhan, el: Sanne od M er E Cov TAT nsor: VIT r, Banthai Cover Spo Makeove ry to S r: Latif ul Makeove bd A o pu hy: Apurb Rob Pap Photograp ign: Abdur es ed D hm er A ov C veer phy: Tan Choreogra

Communication, Pharmacy, Nutrition and Foiod Engineering. In Post graduate level we have M.Sc in MIS, M.Sc in CSE, M.Sc in Software Engineering M.Sc in ETE, M.Sc in TE, MBA (Regular), EMBA (Executive), MPH, LLM Preli), LLM (Final), MA (final) in English, MSS in Journalism and Massmedia Communication.

Daffodil International University (DIU) had a long cherished dream to establish a permanent campus with all modern and latest educational facilities.

The seed of dream had been sown when on June 20, 2010 DIU initially purchased 12 Acres of land at Ashulia Sarnali Project (near Uttara), Savar, Dhaka for building its own permanent campus. The seed of dream had started to sprout on 06 March 2014,

enhancing the capacity of students, Daffodil International University has taken up an excellent project - "One student - one laptop". Under this project, all students will get a laptop each and use it for their study purpose. It is a bold step towards establishing a Digital University in line with the government's policy of Digital Bangladesh.

Quality Education: DIU is specially committed to quality education. Quality is ensured through regular classes, strict examinations and other academic and administrative measures.

Qualified Academicians: DIU faculty members are highly qualified with brilliant academic backgrounds. Many have vast experiences in teaching and research.

one of the historic days for DIU, the 4th Convocation was held in the permanent campus.

The permanent campus project is on progress and will be implemented in four phases and it will have individual Faculty and Administrative infrastructure, Residential Hall, Library, Cafeteria, TSC, Auditorium, Play ground, Swimming Pool, Mosque, Gymnasium, departmental faculties and an ICT centre. The permanent campus will be consisting of modern facilities for lectures, meetings, group activities, student organizations and religious festivals. It will fully be equipped with medical facilities, science laboratories and performance spaces and many more.

DIU envisages turning the campus a

Academic Diversity: The essence of the university is academic diversity. It offers a variety of programs under the Faculty if Science and Information Technology, Faculty of Business and Economics and the Faculty of Humanities and Social Science. There are sixteen departments in the university now.

WQC Award: Daffodil International University (DIU) achieves World Quality Commitment (WQC) Award-2010 in Gold Category basing on its extraordinary performance and remarkable contribution in higher education sector.

Efficient Administration: Efficient administration of DIU is capable of

100% Fiber Optic Network and Wifi enabled.

DIU ensuring all sorts of facilities there will be on-campus shopping facility which will be run only by students so that they may avail themselves of part time job and earn money while studying. Residential halls will also be constructed for students. Within four years, DIU will start some, if not all, departments in the new location.

The master plan for the campus has been designed by the internationally renowned architectural firm. Some parts of the campus have already been completed. When built fully, the campus will be with a world-class facility, ensuring quality education, security, peace and comfort.

With a view to utilizing IT for

solving problems quickly and effectively. The Vice Chancellor, Dean, Advisor, Registrar, Exam Controller and Departmental Heads take care of administrative and academic affairs.

ICT Facilities: DIU is the first

complete digital university in Bangladesh for technology-based education and operation with such facilities as computer labs, education ERP and Wi-Fi on campus.

IT Expertise Recognition: DIU accorded Championship in IBBL IUT 3rd National ICT Fest-2011 in Hardware and Software Project Showcasing where a total of 18 projects of different public & private universities took part.

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CAMPUS This university became champion in IUBAT-Inter University Programming Contest 2010 The DIU team became CHAMPION, as well as got “Award of excellence� for solving all problems. 8 private universities named AIUB, BRAC, DIU, NSU, UIU, USTC, SUB and IUBAT attended the contest.

Wi-Fi covered University: DIU is a university with Wifi coverage. Faculty members as well as students enjoy Wifi connectivity inside the campuses to be connected with internet at a wink.

Virtual University: DIU is fully

automated and all its activities are done or recorded in the Virtual University. Every student and guardian can see any information relating to payment, admission, results, course offering and others.

Lab facilities: The laboratories of DIU are considered as the country's best.

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There are digital labs in all departments. Departments under the Faculty of Science and Information Technology have their own specialized laboratories for practical.

Ranking and Recognition: DIU is a top ranking university in

Bangladesh. It has got national and international recognition in ICT, web, research and beautification campaign.

In UGC ranking, it is one of the top ten private universities.

Daffodil International University is now one of the best six universities among all other Public and private universities in Bangladesh in webometrics ranking.

Daffodil International University is now ranked 92 among all public and private universities of

South Asia by Webmetrics Ranking of World Universities.

Admission and Examination:

Admission is way and the Commission. conducted in

taken in a transparent rules of University Grants Examinations are also a strict fashion.

Library: library is rich with printed books, e-books and journals. It offers good facilities of reading.

English Language Laboratory: DIU has an English Language Laboratory to help students learn English, particularly listening and speaking skills, properly.

It is equipped with all necessary gadgets.

The auditorium is regularly used to conduct all seminars, symposium, cultural programs and many other co-curricular programs.

Student Accommodation: DIU

has arrangement of residence for female students. The accommodation provided upon requirements of the both male & female students. DIU ensures comfortable stay, well environment and security in the resident.

News Letter: DIU publishes News Letter in

Credit Transfer Facility & International Collaboration: After

graduation, students can easily transfer their credits to famous North American, European and Australian universities.

Convocation and Foundation: DIU

holds its convocation regularly to award certificates among its graduates. It also celebrates foundation day every year.

Strong Alumni : DIU provides

lifetime alumni support for its graduates. Our alumni have been positioned at different leading levels in home & abroad.

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CAMPUS every semester on a regular basis.

The souvenir & News letters expose all updated events.

Career Development Center (CDC): CDC is performing a

pivotal role to ensure job and internship placement for the students of Daffodil International University. CDC is also responsible for arranging workshop, training programs, seminar, symposium, job fair in intra-university and inter-university level on regular basis for the professional development of students.

scholarly research conducted by the renowned researchers and scholars of home and abroad. The faculty of

PERSEVERANCE AND LEADERSHIP AMONG THE STUDENTS

Md. Sabur Khan

Chairman, Board of Trustees Daffodil International University

Research Center : To inspire

and to involve the faculty members and students in research activities, DIU has setup three (03) separate research centers under each faculty, namely (i) Bureau of Business and Economics Research, (ii) Research Center for Science & Information Technology, and (iii) Research Center for Humanities & Social sciences.

HRDI: DIU has a central Human Resources Development Institute (HRDI) which conducts developmental activities for the faculty members and other researchers.

Publications: In DIU, the Faculty of Business & Economics and the Faculty of Science & Information Technology publish two separate biannual research-based journals.

These journals contain highly

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Humanities and Social Science is going to publish a journal very soon.

Since inception, DIU focused on creating self motivated and self employed graduates with a view to turning our huge population as a talented, skilled manpower who will be groomed to world class fitness. Our graduates are expected to attain many-ford qualities in IT, career specialization, academic harness, entrepreneurship, etc. Course like Art of Living ensures ethics, honesty, perseverance and leadership among the students.

We, as a university, aspire to be the best of the best in the country without compromising quality and standard.

Daffodil is committed to transform our huge population into potential human resources. We have done this through production of talented graduates; our graduates have already made their

marks in the job market at home and abroad.

In order to achieve our goals we have been implementing a large project, “One Student One Laptop.� Thousands of students are using laptops regularly for their educational purposes. We have pioneered new subjects like Multimedia Technology and Creative Arts, Software Engineering, Real Estate, Environmental Science and Disaster Management, Nutrition and Food Engineering, etc. Very shortly we are going to launch Entrepreneurship Development.

We have already started different academic programs with infrastructural facilities for students and teachers at the lush green, idyllic and serene but modern environment of our permanent campus at Ashulia, Dhaka.

The ambitious master-plan for this beautiful permanent campus ensures separate academic buildings, roof-top swimming pool, international house, multipurpose tower, IT center etc. spreading over a sixty-acre of land when completed. We plan to house at least three thousand students in this campus by 2016.

Waliuddin Ahmed Chowdhury

g n i g r n i i p r i s p n s I n y I t y i y l a y a t a w n a o s r Run e P e M e ddiiaa v i t a e r C in “

A designer is born not recreated. Incidentally Waliuddin Ahmed Chowdhury has been catapulted to household-name status surrounded by scores of media celebrities, who are his mentors. The moral, spiritual and social encouragement has given Wali tons of confidence at his young age

�

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CANDY Fashion

is an art without a frame. Obviously fashion designing is a creative media without any debate.

A designer is born not recreated.

Incidentally Waliuddin Ahmed Chowdhury has been catapulted to household-name status surrounded by scores of media celebrities, who are his mentors. The moral, spiritual and social encouragement has given Wali tons of confidence at his young age.

country Bangladesh . Like a blended tea, he has blended fusion into eastern with western flavour, which makes his work special.

He is fascinated by colour, texture and exotic design. Wali does not hesitate to translate his colour, design and quality into reality, which make him stand alone with as not started yet!

Born in a enlightened family with long-established culture, he has acquired the knowledge, skill and aptitude for creative media, like graphics and choreography. Unlike others, he excelled in fashion designing.

A designer needs to have passion, creativity, enthusiasm, ardour, trend and fervour. He has brushed up on their signature styles, his major milestones — just in time for Wali Chowdhury to become one and only one.

Fascinated by the progressive graphic artist of his native Bangladesh , Wali’s collection is blend of muted and neutral tones with sudden pops of colour, wow!

Wherever he travelled abroad to organise fashion show events, he has brought home loads of unlimited colour, design and graphics into his

‘‘A designer needs to

have passion, creativity, enthusiasm, ardour, trend and fervour. He has brushed up on their signature styles, his major milestones — just in time for Wali Chowdhury to become one and only one.

‘‘

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CANDY

H T I W Y H CHOREOGRAPHY WITH P A R EOG C H O RTOUCH C I G A M F OF MAGIC O H C TOU Sahadat Hossain Sumon

“

A leading name in the world of fashion Sahadat Hossain Sumon is a choreographer with a difference. He has an extraordinary vision and excels at creating the right mood for any event.

”

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‘‘

‘‘

A leading

name in the world of fashion Sahadat Hossain Sumon is a choreographer with a difference. He has an extraordinary vision and excels at creating the right mood for any event.Any Fashion Event choreographed by Sahadat Hossain Sumon will leave you enthralled and amazed. His aptitude lies in creating the perfect show to suit your pocket.

pher cura r g o e r o h e leading c h t f t Hossain o a d e a n h o a s S i t e s H adesh. Tru l g n magical a B d n n i a e u q i rently n et a truly u g d n a n o Sum event.

From National level Models, Movie Stars, to local Dhaka girls he has worked with all of them and can get any of them at a fraction of their market price.

Any Fashion Event to simple Co-Ordination, Sahadat Hossain Sumon is your man.

He is the pride of Noakhali and he was born there. In this journey he made his family feel proud of what he did in the arena of choreography.

He completed his S.S.C and H.S.C respectively from Sonaimori High School and Chawmahani Govt.

S.A College. He has worked with different and reputed choreographers of the world. In between them he worked with Turkish Designer. Korean Designers, Indian Designer, Jonaed Karim Jimmi, Shahadat Hossain Babu and many more. Some of his great choreography includes Uttara club’s Summer Fashion Fiesta, Diamond World’s Fashion Night at Rupashi Bangla, Clemons Indoor Cricket Tournament, British American Tobacco Fashion Night atSrimangole Grand Saltan, Summer fashion night at Pink City, Fashion House Gentle Park launching at Jamuna Future park and many more. He is one of the leading choreographer currently in Bangladesh.

Trust Sahadat Hossain Sumon and get a truly unique and magical event.

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CANDY

D E L W O B HT AND

CAUGad Naeem Islam Mohamm

-by Ashfika Rahman

Mohammad Naeem Islam is an international cricketer from Bangladesh. He was born on 31 December 1986 in Gaibandha and is a righthanded batsman and occasional off break bowler.The rising cricketer found time to sit down and talk to The Pages Magazine about cricket, supporter’s influences, style statement and personal life.

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1. Whom do you love more, your parents, friends, spouse, kids, siblings, your yourself?

4. If you could meet anyone in the world dead or alive who would it be and what would say to them?

# This is really tough to make it significant. For me there is an equal room for every friend and family member. I have a special respectable place for my mom and dad as well as my beloved wife. My friends are my soul I am very much into my friends, and last but not in the list I can feel me in my baby boy. He is my world.

# I will love to meet my grandfather, he died when I was kid. I always wanted to see him. I just want to see him, don’t have any thing to say.

2. What do you do when not working? # Days when I am not loaded with work, I use to be with my family. I want to give my maximum time to my baby.

3. Do you believe in love at first sight? # I just fell on the ground when I first saw my baby, may be that’s the way my thought about love at first sight.

5. If you were stranded on a desert island, what three items would you take with you? # Well Friends (laughing) I'd take my baby, my wife and my laptop. Providing they have Internet on a desert island. (I'm sure they do) oh well, that's ok then.

6. What is your favorite gadget? # I phone 07. What would be the first thing you would do if today were your last day? # First I will try to finish reading holy Quran that I am trying to do during

this Ramadan and I will say thank to god for this life.

8. What's your own definition of happiness? # No doubt it’s my baby boy.

Whenever I see his face I feel free from everything, that’s the time call happiness may be.

09. what were your dreams as a child? # (Laughing) well I use to see my self as a football player. My dream was always to play in English premier league.

10. What things do you not like to do? # I don’t want to hart anybody intentionally.

11. What made you pick the dress you are wearing? # Well this dress is the oldest in my wardrobe and I hate this dress so much that I want everybody to know that I hate it. (laughing) actually this is an gift from brother and I love it.

12. On what do you spend the most: clothes, accessories, perfumes, anything else? # I am very choosy about Wrist Watches. I spent a huge time on it.

13. Women or Cars? # (Laughing) off course car. I use to go for long drive with friends for whole night. I am passionate about my ride.

14. Who according to you is the best-dressed man in the planet? # For me David Beckham and Bill Clinton fashion statement influences me a lot. For me they are the most sensible style icons.

15. If I came to your home and looked inside the refrigerator, what would I find? # No doubt it will be cheese, my wife like cheese she like to have cheese in refrigerator always.

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CANDY 16. What's your bad quality? # I am so introvert person. I can’t express my feelings to every one. For that some times may be I cant make my closest person feel I much I do have care for them.

17. Where do you think you will be after 25 years? # I would appreciate if you get time to interview you again after 25 years.

Seriously I want to do some thing for Bangladesh and the fans of Bangladesh national team. They have supported like anything.

18. When have you been most satisfied in your life? # The time I have got hundred in test match, against West Indies.

19. Who is your role model, and why? #Sakib Al Hasan , he got the capacity to deal with tough situation. That’s the quality I have found to be highly correlated with success and ambition.

20. Tell me about accomplishment that you consider being the most significant in your career. # I was in gymnastics before I come to cricket. Switch from gymnastic to cricket was the most turning decision for me.

over 22 years and focus on just the landmark? # Look, cricketer’s life is not that easy all the time. We do practice four hours in a day. We do everything what we suppose to do. We maintain a certain life style for our self, for our supporters and for our country. Still things can go wrong.

I respect emotion of people. Expectation some times makes them to do this.

24. You are a national icon and that is a tough job because the expectation of an entire nation is weighing on you. How does it affect your personal life and your family?

Sometimes, you must think of just going away to a lonely island and disappearing? # I do that. Sometimes there are complaints that I don't respond to various things and I should be reacting more to spend quality time with my family. My wife has been with me for a long time, right from the start of my international career, and she understands the pressures and demands of international sportspersons. I think without her support things would have been different.

If my family did not understand what the demands were, then to manage all these things would have been really difficult. My family has played a huge

role in [getting me to] where I am at the moment. Right from the start that was the unwritten law, that I only play cricket, I don't think of anything else, everything else will be looked after by my family. So I only focused on the game and nothing else at all, so that has allowed me to be stress-free and not worry about anything that is happening outside the field of cricket.

It has been just the cricket field and my family, because my family has managed the rest of things.

25. You have said winning the World Cup was your dream. Any unfulfilled dreams left? # I don't have any other dream now.

There were two big dreams: one was playing for Bangladesh and the second was to lift the World Cup. That is my biggest dream…..

26. What do you say to your fans?! # Keep trust on me and pray for me…

21. Tell us about a time when things didn't go the way you wanted— # Last three month was the most crucial time in my life. I am trying to be back in my form. I am doing everything the way it should…. but still things going wrong. Some time it can happen with any body. See human being go through a process everything depends on your dedication, but some time luck can challenge your passion.

That’s the time you need to show your dedication…

22.Isn’t it hard to stay fit? how do you manage that?! # Yes, Its tough to stay fit so long but not impossible. I am focused; on my goal so I maintain my life style, food habit, and regular practice everything.

23. Sometimes, do you think that a sportsperson's life is cruel - people can easily forget what you have done

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DEVELOPING BANGLADESH

ENI H T G N E STR

NG

G M R R OU TALENTS -by Omar

The achievement of the Ready

Made Garments (RMG) sector is now a marvel of the success of Bangladesh economy. Starting from the late 70s, the industry has grown steadily and today Bangladesh is one the biggest exporters of RMG in the world. At the early stage Some Bangladeshis received training from the Korean Company, Daewoo. After these workforces came back to Bangladesh, many of them broke ties with the factory they were

Khaiyam

working for and started their own factories. As the largest contributor to the foreign exchange, the RMG sector is vital to the economy of Bangladesh.

Despite the great strides made by the garments industry, significant challenges overcoming with RMG Talents.

Continuous contribution of these female & male professional talents made, USA the largest importer of

Bangladeshi RMG products, followed

by Germany, UK, France and other E.U countries. They played a vital role to snatch the export performance in the first quarter of fiscal 2014 has been quite robust — export earnings were 21.2 percent higher than the corresponding period of fiscal 2013.

Export was high in all major markets.

Exports record in first quarter would imply that a growth of

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DEVELOPING BANGLADESH 10.3 percent will be required over the next nine months to reach the target of 12.9 percent planned for the whole of fiscal 2014. The professional talents are ready to overcome the upcoming challenges to meet the fiscal goal. The talents are highly motivated to achieve the impressive growth with knitwear recording a rise of 24.4 percent and woven wear 23.9 percent over the corresponding period of fiscal 2013.

RMG exports will need to register a growth of 8.6 percent over the next quarters from the same time last year if the overall RMG growth target of 12.2 percent for fiscal 2014 is to be achieved. This appears to be an attainable target in view of current trends and emerging market signals.

Bangladesh is now very much involved with its working talent people to resolve any factor to make the journey over the upcoming months a particularly challenging one to navigate.

Numerous textile associations support Bangladesh's industry. The main two that support the RMG sector are the Bangladesh Garment Manufacturers and Exporters Association (BGMEA) and the Bangladesh Knitwear Manufacturers and Exporters Association (BKMEA).

BGMEA represents 4,490 Bangladeshi talented export-oriented apparel manufacturers. The organization helps strengthen and promote the RMG sector by establishing a healthy business environment and cultivating relationships among the manufacturers, exporters and importers, with the goal of increasing Bangladesh's foreign exchange earnings. Since its inception in the late 1970s, the organization has helped increase RMG exports by 500 percent through the innovative & talented RMG Managements.

BKMEA was established in 1996 and comprises about 1,700 knitwear manufacturers and exporters, representing the country's largest export-earning sector. The organization works to promote sector interests, promoting and developing the sector's capacity as well as the market.

Both organizations work to improve compliance status, and provide education and spread awareness of basic rights to create the environment for the working talent.

The apparel industry that accounts for more than 75 percent of exports from Bangladesh is making a huge of skilled professionals, especially at mid-managerial levels. The current need is also likely to strengthen by 2021; immediate steps are taken to develop and nurture a pool of talent by rigorously implementing structured training and necessary curriculum modifications by the help of University Grant Commission, National University

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& Technical Education concerns.

Now a day, the readymade garments sector is the main engine of our national economy and so, the RMG sector develop and groom significantly with the skilled manpower as demand is much higher than availability. Also the apparel manufacturer playing a vital role to build ups a high-caliber employees in all level management.

The entire apparel engineering & supply chain management is made up of several parties, from the initial raw material supplier to the consumer purchasing the products. RMG manufacturers need to start working together with all their supply chain stakeholders to not just meet, but overcome the challenges standing in the way of Bangladesh’s RMG industry success.Otherwise, the shortage will be more severe in the next ten years, as 12 10 8 6 4 2 0 Exports

Imports

yesterday's success cannot be made to face tomorrow's more dynamic and challenging situation, without offering any pragmatic solutions. The waves of change have started to roll in and the sector should address the shortfalls in talent professionally and efficiently. The RMG sector will require around eight lakh skilled professionals in mid-level positions by 2021 to lead the organizations. Currently, the sector suffers a shortfall of nearly two lakh professionals. Unfortunately, experienced and qualified employees from our neighboring countries are filling the current shortage. They are around 15 percent of the mid- and senior-level professionals in the entire industry.

The RMG sector should arrange training for its workforce to survive in the competitive world markets as market forces constantly demand efficiency. We need to spend more than 10 percent of profits on training and development. The entrepreneurs' have also the eagerness to spend money to train and develop local talents. Young talents seem interested to pursue a professional career in RMG as they will have the opportunities to take the myriad pressures and challenges of the present world.

The private universities & local institutes and training centers in Bangladesh are grooming equipped now to keep pace with the everincreasing demand for quality RMG

talents with appropriate skills, knowledge and abilities. Technical institutions are offering time demanded curricula, social recognition of garment jobs, considerable compensation packages and favorable working conditions are making the scope of RMG talent development. Most employers are imparting to structured or continuously competent training programs to employees due to business exigencies and also because they fear losing their trained employees. The government and sector al associations should forge public-private partnerships to strengthen Marketing-Merchandising, technical and logistics education. The government will provide infrastructure facilities and the associations will design the course curricula, based on modern trend of demands.

Both BGMEA and BKMEA have taken initiatives to produce skilled talents for the sector by imparting training at as many as 31 centers. The culture of continuous learning and development would be the immediate solution to meeting the short supply of talent at mid-level positions because changing the national education system or the practical orientation curricula is a long and winding process. Most of the organizations of this sector attracting quality graduates and professionals with good compensation packages, healthy work environments and a challenge of career path with a long vision & mission.

Moreover, some organizations in the apparel sector, have introduced their management trainee schemes. It is also mandatory for managers at all levels to attend the management development programs run throughout the year.

The owner and top management have to demonstrate full commitment and involvement along with treating the employees with dignity and respect to make the development program a success of talent hunting.

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TVC REVIEW

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huge a t o g e v a h e "w its response and or f g n i r i p s n i s y alwa ." s k r o w r e t t e b doing

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pranaamlok: a new hype in the tvc world what's the most advanced and patronized form in the media world now? everyone might undeniably agree that its the tv commercials .

Setting a good example of the acclamation the new tvc of 'pranaamlok' has made a buzz in the ad world.

With spectacular vfx and good teamwork this tvc of pran has made a place in the viewer's heart.Made by the agency sun communication and directed by Hasan Taufiq Ankur this tvc focuses on a boy who goes into a world of mango sipping from pran mango juice.The boy in the lead role was siam and the company he got was Sabila- two promising new faces in the media now. When asked about the making of the tvc Giasuddin

Sajeeb,the brand promoter of the product said,"we have got a huge response and its always inspiring for doing better works." Ziaul Karim Zia,one of the actors of the tvc said," we try to outdo our level best for the audience because its their attention we work for." Undoubtedly, it's a tough and competitive world in the tvc arena and that,probably, has been a blessing for the viewers! we love being attracted and it's good to see the makers are doing their best to get our attention.pranaamlok:a new hype in the tvc world what's the most advanced and patronized form in the media world now? everyone might undeniably agree that its the tv commercials . Setting a good example of the acclamation the new tvc of

'pranaamlok' has made a buzz in the ad world. With spectacular vfx and good teamwork this tvc of pran has made a place in the viewer's heart.Made by the agency sun communication and directed by Hasan Taufiq Ankur this tvc focuses on a boy who goes into a world of mango sipping from pran mango juice.the boy in the lead role was siam and the company he got was Sabila- two promising new faces in the media now. Cinematography by Linkon.

Graphic Design Augni roth. When asked about the making of the tvcGiasuddinSajeeb,the brand promoter of the product said

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S E G A P K O O B E FAC T N E M N I A L! T E V R E L E W T E EN AT A N ahmud

Shomoy M

We

are into the world of Facebook.

This one site is changing our lifestyle every day. And we are loving it. The maniacs are getting even madder for Facebook and it has made a revolutionary change. The change has always been positive. Never the less the negative sides are also there but why taking the negative sides?

Facebook has always been the craze and in the sequence it is the Facebook pages which are the new resources of entertainment. This feature of this issue will emphasis on the cutting edge of the “Facebook Pages!�

Facebook pages were

once a limited option which about people had very minimum idea in Bangladesh. There was a certain time when there was no Bangladeshi entertainment page in Facebook. But the things changed very rapidly. Young generations discovered the fun and the glee about Facebook pages. So many Facebook pages were created this time and they started provide pure entertainment.

Facebook pages? What are these meant for? Facebook pages are a certain section for the Facebook users.

People who are interested in topic

Model: Shampa

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and topic based posts, comments or chatting started to become crazy about the Facebook pages. Not only had that but exclusive photos, jokes and videos made the Facebook pages more interesting and user friendly. This feature changed the wholescenario of Facebook and it started getting even popular day by day.

People love celebrities and Facebook pages gave the chance to get attach with the celebrities by the pages.

Celebrities usually started their own official pages where they started

MOD

E

RN MODER TECHNO N TECH LOGY NOLOG ABS Y ABSTRA TRACTT STRAC

BIT 2 BITE pages. A huge number of fan has a crush on the Facebook Bangla pages.

Our young generation created their own platform where they can practice literature. Fresh and new guns started their poems and stories to be published in front of a huge population.

It is a place where people can get to know their talents.

In a short time Facebook Bangla pages were getting established. Now the young craze are loving the pages like “Moja Loss?” “Murad takla” “ValobasarDakpion” “Jati” “Extreme Noise” and many more. Teens and 3rd generations are loving it. Not only entertainment but Facebook is the pioneer for the social work field. Online blood and data pages, online fund pages and many more. It is time we use Facebook for all the causes that can be! Let us feel the extreme entertainment package of Facebook pages! Enjoy…

“

ges? What a p k o o b e c Fa eant for? are these m ages are a Facebook p on for the ti c e s in ta r ce s. People r e s u k o o b Face terested in in e r a o h w ic based p to d n a ic top ments or posts, com rted to chatting sta about the y z a r c e m o bec ages.

Facebook p

“

posting all the latest news, their personal quotes, videos and their lifestyle. This thing is still hugely famous and popular amongst all the Facebook user throughout the country, throughout the world.

Just after a few times back the big names and the gigantic brands steeped the virtual world. They started creating their official page and they started educating people about the brand.

People was getting connected with the business community by this one Facebook. It became a saga! Business could be done by the Facebook pages this was an established law after that.

Young enterprainers were motivated to sell their products through Facebook.

Every day the pages started become the mega entertainment house! From laughing to shopping it become a symbol of total package of communication! When we are getting t know so much of things which can be done by Facebook a new era stated for Bangladesh. Facebook with Bangla

Y AB

CHNOLOG

TE MODERN

Model: Emon

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Bangladesh Opening Coming Soon...

De Beers Diamond

Bangladesh Hotline: 01974 899146, India Hotline: 091 8420874757 www.facebook.com/debeersdiamondsbd, Web: www.debeersdiamondsbd.com

Shop # 24, (2nd Floor), Pink City Shopping Complex, Gulshan # 2, Dhaka-1212.

Phone: 8881070, 8881080, Cell: 01841812222, E-mail: zaverigold.ltd@gmail.com Web: www.zaverigold

H IT W E T A CELEBR D I E S I H T

E R U NAT

que Akter Ha -by Liza

The

weather is now a days a sudden change! Suddenly it may rain and the whole thing turn into gloomy or the day may turn into scorching sunny with immense heat! In these days sweating or rash can be a major issue. EidUlFitor is near our gate! And to look even attractive this problems of skin issues needs to get fixed.

Generally, we do fair polish, take chemical pill and even use scrubber. This methods are truly harmful for skin. “Therefore how and what will be the exact way of practicing skin care needs a transparent thinking� said by the Harmony Spa skin specialist C.E.O Rahima Sultana Rita. Products that may damage the skin should be avoided.

Model: Samanta

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MAKEOVER As like: • Many of us think in case of skin fairness there’s nothing so pure as fair polish. It’s a wrong way of thinking. It contains harmful Hydrogen per oxide which causes skin cancer.

• Skin bleach contains different chemicals which is unhygienic for our skin. It burns the upper layer of skin and releases spots on the face.

• Now a days, chemical pill is even familiar and popular amongst the skin conscious peoples. But because of these pills skin infection can occur and different more problems arise.

• Many of the people use scrubbing 3 or 4 times once in a week. That rate is way higher than a

moderate rate. Over usage can damage the skin tissues and causes death of the live cells.

When the chemicals and preservative are absorbed by skin then when reaction and allergies start. So for skin it is necessary to do skin care with Ayurveda elements and methods. So, this Eid it will be a better option to do in house skin treatment and care. Let us know some tips regarding on this: At first take a very moderate heated water and clean your face. It will open up the skin tissues and cells. Now follow the steps as described below and scrub it, mask it, tone it and moisture it.

Scrubbing and Cleansing:

Mix and prepare 1 T-spoon soybean powder, 1 T-spoon Rice wheat, 1 T-spoon sour yogurt. Pour it into your entire face and message it very slowly.

It works as a soft scrub for face.

Masking:

Mix 1 T-spoon cucumber paste, 3 T-spoon Oatmeal or Barley powder, 1 T-spoon sour yogurt or milk and 1 T-spoon honey and use it in your face for 20 minutes. After that wash your face with cold water. It helps your skin to glow.

Toning:

Mix ½ T-spoon honey and ½ T-spoon powder milk together and message it about a minute. It will tone your skin and give an instant glow.

Moisturizing:

Mix2 T-spoon honey and 1 T-spoon rosewater. You can use it as an everyday moisturizer. Use this mixture for 10 minutes and then wash your face.

As like this make your Eid look natural with the touch of nature and get a glorious and beautiful skin naturally.

Model: Samanta

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www.upntopfabricsandtailors.com Branch-1

Branch-2

Branch-3

Branch-4

Sughandha Super Market 105-106, Motijheel C/A 29, South Avenue 36-37, Mahfuza Tower 121/b Saver Bus Stand, Dhaka 1340 Dhaka-1000 Gulshan-1, Dhaka-1212 Probal Housing, Ring Road Phone : 7116662 Phone : 9897833, 9855655 Dhaka-1207, Phone : 9104389 Phone : 027744420, Mob : 01841018410

*Brush

twice daily for continuous protection Š 2014, GlaxoSmithKline group of companies SENSODYNE is a trademark of the GlaxoSmithKline group of companies.

bashundhara city, level-2, block-c, shop no-8,9 facebook.com/ocodebd

BASIC

S OF P

ERSON

AL

IN BANGLA Introduction

This article is for general understanding of personal tax rules applicable in Bangladesh. You will know basic concepts covered by our tax laws, tax deducted at source, procedures of tax return filling, penalty for non-compliance, refund, appeal etc.

The article has been presented in concise format, and for further understanding a list of books has been given at the end of the article.

Income tax is a direct tax governed by the Income Tax Ordinance, 1984, Income Tax Rules, 1984, Statute Regulatory Orders (SRO) issued by the National Board of Revenue (NBR) from time to time for specification or clarification of an existing issue or introducing a new tax issue.

Several definitions

Several definitions are given below, those are very essential for understanding of personal tax in Bangladesh: Assessee means who pays tax and other tax related money. Moreover, assessee may include person in respect of whom any tax related proceeding undergoing, or who requires to file tax return under specific sections of ITO 1984, or who desires to be assessed and submits his tax return or person who deems to be an assessee or assessee in default under the ITO, 1984.

Assessment year generally means the period of twelve months from 1 July to 30 June.

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DESH

- by Hamidul Islam FCA Income year generally means the financial year immediately before the assessment year. If assessment year is 2014-15 (July-June), the income year will be 2013-14 (July-June).

Non-resident means a person who is not a resident. A non-resident assessee is not entitled to any sort of allowance and relief as are admissible to resident assessee for the purpose of tax rebate. A non-resident assessee other than Bangladeshi non-resident is liable to tax on his total income at 25%. A Bangladeshi non-resident will be assessed at normal rate as applicable for a resident assessee.

A non-resident assessee is liable to tax on the income, profits and gains which are received or deemed to have received or are deemed to accrue or arise to him in Bangladesh.

Resident means an individual who has been in Bangladesh i. for a period or for periods amounting to all to 182 days or more in a year; ii. for a period of or period amounting in all to, 90 days or more in a year having previously been in Bangladesh for a period of or periods amounting in all to , 365 days or more during for years preceding that year.

A resident assessee is liable to tax on the income, profits and gains which are received or deemed to have been

received or are deemed to accrue or arise to him in Bangladesh and out of Bangladesh.

Heads of income For total income tax calculation all world of income will be dividend into the following seven heads: a. Salaries b. Income on securities c. Income from house property d. Agricultural income e. Income from business or profession f. Capital gains g. Income from other source.

Salaries Salaries include (a) Any salary due from an employer whether paid or not (b) Any amount paid or allowed in the income year by or on behalf of an employer, though not due or before it become due (c) Any arrear of salary paid or allowed in the income year by or on behalf of an employer, if not charged to income tax or any earlier income year.

If any salary is included in any year

BUSINESS on due basis or advance payment basis shall not be included in the income of any other year.

Any leave encashment, annuity, pension or gratuity, perquisites, or profit in lieu of, in addition to, salary or wages will also be treated as salary.

Basic salary Basic salary means the pay and allowances payable monthly or otherwise, but does not include(i) Dearness allowance or dearness pays unless it enters into the computation of superannuation or retirement benefits of the employee concerned (ii) Employer’s contribution to a recognised provident fund or a fund to which the Provident Funds Act, 1925(XIX of 1925), applies and the interest credited on the accumulated balance of and employee in such fund

(iii) Allowances which are exempt from the payment of tax; and (iv) Allowances, perquisites, annuities and benefits.

Valuation of perquisites, allowances, benefits includible as income in the cases of salaried person The Rules from 33A to 33J stated the value of perquisites, allowances and benefits shall be includable in the salary income.

Rule 33A.House rent allowances receivable in cash Where the house rent allowance is receivable by the employee in cash, the amount, if any by which the house rent allowance so receivable exceeds 50% of the basic salary or Taka 20,000 per month, whichever is less, shall be included in his income.

Example: Mr. Anis receives monthly basic salary of Taka 80,000 and he also receives house rent allowance @30% on the basic salary. Therefore, the amount that will be included to his salary: Taka

House rent allowance (80,000x12x30%) Less: exempted-lower of 50% of basic salary or Taka (20,000x12) Amount (Taka) will be added to the salary income

Taka

288,000 480,000 240,000

240,000 48,000

Rule 33B. Rent free accommodation (1) Where the employee is provided with rent free unfurnished accommodation, the rental value of the accommodation or 25% of the basic salary of the employee, whichever is less, shall be included in his income.

Example: (1) Mr. Anis

receives monthly basic salary of Taka 80,000 and he also receives house rent allowance @30% on the basic salary. Besides, he is provided with a rent-accommodation that has a rental value of Taka 200,000. (2) He pays house rent Taka 3,000 monthly.

Taka Rental value 25% of basic salary The lower one will be added to the salary income

240,000 200,000

(2) Where the accommodation is provided to the employee at a concessional rate, the difference between the rent actually paid by him and the amount determined to be includable in an employee’s salary under sub-rules (1) shall be added to his income.

Taka Rental value

200,000

25% of basic salary

240,000

The lower one will is

200,000

Less: rent paid by the assessee (Taka 3,000 x12)

36,000

Taka will be added to the salary income

164,000

Rule 33C. Conveyance allowance receivable in cash with no conveyance facility Where no conveyance is provided by the employer and the conveyance allowance is receivable by the employee in cash, the allowance so receivable in excess of Taka 30,000 shall be included in his income.

Example: Mr. Anis received Tk 5,000 per month as conveyance allowance from his employer.

Taka Conveyance allowance received (5,000x12)

60,000

Less: exempted

30,000

Taka will be added to the salary income

Model: Arno, Khushi & Bappi

200,000

30,000

Rule 33D. Conveyance provided for personal or private use Where the conveyance is provided by the employer for the use of the employee partly or exclusively for personal or private purposes, there shall be included in the employee's income, an amount equal to 7.5% of the employee's basic salary. However, if the conveyance is provided for the use of official purpose, nothing will be added to the salary.

Example: Mr. Anis receives monthly

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BUSINESS basic salary of Taka 80,000, and he has been provided with the conveyance facility for use of personal as well as official purpose.

(Basic salary Taka 80,000x12)= 9,60,000 x7.5%= Taka 72,000 will be added to his salary.

“

Rule 33E. Additional conveyance allowance

Where any allowance is receivable by an employee in addition to the perquisite mentioned in rule 33D, the whole amount of such allowance plus the amount determined under rule 33D shall be included in his income.

Example: Mr. Anis receives monthly basic salary of Taka 80,000, and he has been provided with the conveyance facility for use of personal as well as official purpose. Moreover, Taka 1,000 per month has been provided as conveyance allowance.

Taka (Basic salary 80,000x12)= 9,60,000 x7.5%

72,000

Add. Conveyance allowance (1,000 x12 )

22,000

Amount will be added to salary

94,000 will be added to his salary

Model: Arno 60 PAGES

basic conw o n k l il w You by our tax d e r e v o c s cept educted at laws, tax d res of tax u d e c o r p , source enalty for p , g n li il f return nd, ance, refu li p m o c n no has he article T . c t e l a e e app d in concis e t n e s e r p been er d for furth format, an of ding a list n a t s r e d n u at been given s a h s k o o b . the article f o d n e e th

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G N I K N A B AGENT OW FOR

D ENT N I M P W O L E W V E E A N CONOMIC D SOCIO E

In the context of Bangladesh, Agent

Banking has paramount importance because Socio Economic development of a country depends on the equal distribution of wealth, information and various services among the people in various communities and geographical area. Bangladesh is a developing country having about 160 million people of which about 80% lives in village and about 40% of people live under poverty level of which most of the poor people live in village. There is a disparity among the number of bank branches and outstanding deposits and advances in the banking system classified by rural and urban area. As per economic census 2013 it is found that 72% of total economic unit and 65.4% economic establishments are in rural areas, whereas most bank branches are in urban areas.

There are about 25% of adult people is still financially excluded.

Besides a significant number of people live abroad and their families live in the villages. People are performing more financial transactions in rural and semi-urban areas. Now most villagers are getting education. There are low literate people but illiteracy rate is decreasing. The villagers need all kinds of basic banking. At present Banks are offering banking services through Branches in urban or semi-urban areas. The village people and rural growth centers are deprived of banking services. There are government banks in some areas, but they could not provide modern banking facilities as a result most people are out of banking reach even though Mobile Banking services included some people mostly for money transfers. As reported by Bangladesh Bank total registered clients through mobile up to March was 1.50 crore million, daily average transactions Tk.263.18 crore, daily average cash in Tk.111.02 Crore , no of agents 2.93 lac having growth 20.83% . We want to serve those economic units by establishing agent banking booths in the rural areas.

-by Mannan Bapari

Agent Banking

provides banking and financial services to the underserved population through engaged agents such as educated individuals, chain grocery stores, retail outlets, post offices, local govt institution, Pharmacies or NGOs etc under a valid agency agreement, rather than a teller/ cashier. This model allows banks to expand services into areas where they do not have sufficient incentive or capacity to establish a formal branch, which is particularly true in rural and poor areas where as a result a high percentage of people are unbanked.

Agent is the owner of an outlet who conducts banking transactions on behalf of a bank. Globally these retailers are increasingly utilized as important distribution channels for financial inclusion.

Bangladesh Bank has also decided to promote this complimentary channel to reach to the poor segment of the society as well as existing bank customers especially to geographically dispersed locations with a range of financial services.

The agent's activities would be within normal course of banking business of the Bank but conducted at places other than bank premises/ ATM booths and the place must be outside Metropolitan area and City Corporation. Agent must provide services in the designated business premises.

Each Agent and their outlets will have a specific business territory as defined by the Bank. One agent may have multiple outlets. At a single point , one outlet is prohibited to provide service of other bank as agent. Agent will execute agreement with the Bank for each outlet. Agent himself or his employed personnel will operate the outlet as authorized by the Bank.

Bank will provide ID card, business card, official dress or dress code, user ID and other related items to the agents and the persons authorized to operate the agent outlets.

Model: Sajib

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BUSINESS The agents will be equipped with IT devices like point of sale (POS) with biometric features capturing and reading facilities, card reader, mobile phone, barcode scanner to scan bills for bill payment transactions, Personal Identification Number (PIN) pads and may have Personal Computers (PCs) that are to be connected with Bank server using a personal dialup or other data connections. Clients will use magnetic stripe/chip based bank card/ mobile phone/finger impression/face or retina impression/electronics signature to access their bank account. Bank will also consider the newly invented IT/electronic devices for its Agents to deliver the customers modern technology based services and to keep pace for technological development. Identification of customers shall be done through a PIN/ biometrics (finger impression/face or retina recognition)/electronics signature/mobile call/SMS/ and other tested measures.

In the customer end the transaction should be operating through ICT devices that are continuously and uninterruptedly integrated to the Core Banking Solutions (CBS) of Bank. The transactions should be executed on real time basis. No transactions can be performed in case of communication failure. At the end point the customer will get instant confirmation of their transaction through visual basis (screen based like SMS) and paper based (debit or credit slip) also.

The Agents are allowed to provide various services on behalf of bank such as account opening services, deposit, withdraw, Transfer of Fund, Inward Foreign Remittance Disbursement, Utility Bill Payment, Social safety net cash payment, Balance Inquiry, Account Statement (mini), Insurance Premium colection, Passport fee collection, SME loan Processing, Agricultural Loan Processing, Retail loan processing , Tk.10 account holders loan processing, Support green banking initiatives like solar home system, bio gas , Training and development of the potential SME entrepreneurs, Debit /Credit/prepaid card paper processing.

The agents are not allowed to give final approval of opening of bank accounts and issuance of bank cards/cheques, deal with loan/ financial appraisal, encash of cheques and deal in Foreign currency and conducting money changing activities.

Financial Services prevail mostly in city areas over the country. People in rural areas can take non-institutional steps to meet these demands. Taking this opportunity a group of people are cheating the general people repeatedly throughout the country. Like Coopera Model: Arno 62 PAGES

tive Society, Multi-Level marketing company and many other forms of organizations are used for this purpose. To mitigate such malpractice of cheating unbanked people, Agent Banking model is the right demand of this time.

Agent banking directly and indirectly will create huge employment opportunities which will help to reduce unemployment problem and increase the purchasing power. Under the Agent banking , opportunity to be created for the bank to provide loans and advances to the Agriculture sector, loan to Tk.10 account holders and SME sectors which will alleviate the poverty. Agent banking is technology based banking which reduce the uses

of resources. Besides under agent banking, the bank will be able to provide loan for solar system, biogas plant, tree plantation etc (green products) to the rural poor people. The Agent banking will directly contribute the GDP by adding value through financial services to the unbanked people.

BUSINESS

G N I C R U O S OUT

fiz

in Mosta

B - by Fuad

elance r f e s e n with th i o j o te to the t u e b i k i r l t n u o o like to c Would y u o y Would d l ? u y r o t n W u ? ers too loved co e b r nt probu e o m f y o o l y p m econo the unem e v s around l y o u s g o t r e e h k t i you l d some o n a s r u o lem of y you?

“

“

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Despite

some challenges, the young IT experts and professionals of Bangladesh are securing a strong position increasingly in the global outsourcing markets, said experts. Low labor cost and quality of product as well as skill and efficiency of local IT people are compelling the world IT industry, which is account for US$ 3.4 trillion global market, to look forward to Bangladesh for outsourcing, they added.

"Renowned companies move towards Bangladesh with new orders regularly as global IT industries are expected to boost in next few years," president of Bangladesh Association of Software and Information Services (BASIS) A.K.M. Fahim Mashroor. He said the low cost labor pool and real potential are the key competitive advantages for Bangladeshi IT people, which are magnetizing the world IT community.

"As the production cost increased in other countries like India, China and the Philippines, Bangladesh has emerged as a lucrative outsourcing market," Mashroor added. The BASIS president opined that the sector in Bangladesh needs proper guidelines for its flourishing.

Industry insiders said the average wage of an outsourced IT sector employee is around US$ 8 per hour in

Model: Arno

Bangladesh compared to US$ 20 in India and US$ 10 to 15 in the Philippines.

Moreover, Bangladesh has one of the largest and youngest populations in Asia, with 150 million people of whom some 65 per cent are under 25.

Hossain, also the managing director of Creative IT Ltd, said Bangladesh is a new opportunity in outsourcing and it has high potential, as there are a huge number of talented youths in the country. Besides, the government has put concentration on developing the IT outsourcing industry. The Access to Information (A2I) of the Prime Minister's office is conducting activities on freelance outsourcing to create a 'Digital Bangladesh' by 2020. In last December, leading technology Research Company Gartner ranked Bangladesh for the first time in its annual list as one of its top 30 countries for IT services outsourcing in 2010.

Bangladesh began developing an outsourcing sector in 2004 and it is now worth around $100 million. The country earned US$ 70 million last year from software export, according to BASIS data. But there are major challenges, which must be addressed before the industry can flourish. Gartner gave Bangladesh a "poor" rating in three vital areas - infrastructure, language skills and data, and intellectual property security.

Bangladesh Association of Call Centre and Outsourcing (BACCO) President Ahmadul Hoq Bobby said poor infrastructure, including frequent power crises and slow and unreliable Internet connections are the most immediate problems for the industry.

"We need uninterrupted power and a second submarine cable

connection with high bandwidth," he said.

According to BASIS; there are more than 1 Lac Bangladeshi Freelancers are doing Outsourcing jobs across the globe. These skilled freelancers are outsourcing their skills to the whole world that are in need of these skills to transforming Bangladesh a new country where no unemployment problem exists. Accumulating all of the money that freelancers are earning; we know, Bangladeshi freelancers are earning about 1 crore BDT per day from various outsourcing marketplaces.

Would you like to join with these freelancers too? Would you like to contribute to the economy of our beloved country? Would you like to solve the unemployment problem of yours and some other guys around you? Frankly speaking; Freelance Outsourcing is all about Skill Selling.

Whatever skill you have, be expert on it and sell it in outsourcing marketplaces like oDesk, Freelancer.Com, eLance.com and so on.

So, what type of Skills you need?

Well, go to any of the outsourcing marketplaces that I have mentioned above. Check out their Job Board and browse their marketplace’s latest and popular Jobs. You will get a clear idea about on which jobs you need to jump in. As these are the International Marketplaces; it doesn’t matter whether you are outsourcing from Bangladesh or any other country. It’s everything about what you know, how much you know, how well you can serve your buyer and how efficient and flexible you are. So, build your skills now and become a successful freelancer.

Here, I have accumulated several highly demanding freelance jobs of the marketplaces which you can take your next learning ambition to be the best freelancer that the business owners are desperately looking for.

There are several types of job available as outsourcing including: Customer Service & Support, Email Response Handling, Phone Support, Customer Service, Email Marketing, Business Consulting, Business Services, Order Processing, Web development, Logo design etc.

For Example: SEO Expert: - There is a huge demand of Search Engine Optimization services in Freelance Outsourcing marketplaces. In this growing Internet world; where peoples love to buy and sell online; the SEO becomes the “Must Have” option to choose. As there are lots of tasks involved in the whole SEO strategy; the business or website owner outsource this task to the freelancers.

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BUSINESS

now the rated in the web programming, software development and development marketplace with numerous Fortune wide variety providers already having their outsourced works in Bangladesh.

• Bangladesh has a big marketplace in pharmaceuticals, in terms of clinical science and manufacturing an Opportunity of ability for high-quality trials and data control gives it an edge over competitors. Our pharmaceutical fast has the quality to tie up with world renowned pharmaceuticals like GlaxoSmithKline.

• Another vertical that exhibits awesome expected for Bangladesh is Infrastructure Management Services. A wide number of procedures services for IT infrastructure, application businesses, IT safety and cleaning can feel presented.

You, as a freelance outsourcer can do this task and get paid smartly if you know how to do it. Just start learning those SEO tactics and strategies from various online tutorials or any training institute of Bangladesh and sell your skills to earn money.

Future trends that will enhance the Outsourcing Market • With the outsourcing business emerging from the aftermath of the international recession, there is a quantity of styles that give you a glimpse of the future: • Analysts tend to be predicting that the business will keep battling short-term expense pressures, and that there will feel pressure on service providers for a bit more versatile pricing contracts.

• Buyers will seek a lot more standardized solutions from their outsourcing engagements, so they will have to differentiate them through performance rather than pricing. Hence pricing structures will feel stabilized to some extent.

• Numerous little alliances, focused on increased operational efficiencies, better quality control and reduced back-office prices, tend to be being set up. This trend is going to keep.

• Revealed and common services are constantly considered a risk to outsourcing, but the trend is driving.

Outsourcing industry Bangladesh continues to feel the major destination for outsourcing because it has been in a position to evolve with changing needs. BASIS (Bangladesh Associations for Software and Informa

70 PAGES

tion Services) the apex body of Bangladesh IT software and service (IT & BPO) service providers , BCC (Bangladesh Computer Council), BCS(Bangladesh Computer Samity) are working to develop the sector. BASIS informed that Bangladesh share in the international outsourcing marketplace is rising day by day.

Chances for the Bangladeshi Outsourcing Industry The development of Bangladeshi outsourcing industry has been phenomenal. As markets internationally are becoming knowledge-intensive, Bangladesh has progressed to become the many preferred destinations for knowledge services.

Knowledge System Outsourcing may later on feel the biggest revenue grosser in Bangladesh. To render this Bangladesh need to skilled it is manpower in language, Programming, creative really works and other jobs.

Though Bangladesh has Chartered Accountants, MBAs, Doctors, Lawyers, study Analysts, etc., which may improve it is positioned in the knowledge service industry.

Chances for Bangladesh in terms of outsourcing are: • In services that require advanced English, like KPO, Content and medication, Bangladesh will keep to excel.

• Bangladesh has to have a big swimming pool of English-speaking lawyers with expertise in overseas legal systems that can offer legal support and patent services. It will assist you to feel affiliated with American legal companies to capture the American market.

• Bangladesh is actually right

Struggles for the Bangladesh Outsourcing Industry The business is actually experiencing an evolution, and will keep feeling driven by changes in demand. Bangladesh has created phenomenal success and has built a strong reputation in the outsourcing industry.

Bangladesh will face some brand new emerging challenges, these as: • The business is expanding fast and demands matching development in infrastructure as really, an area in which Bangladeshis lacking—this demands to feel uncovered.

• Though Bangladesh has a position in outsourcing company, it will face tougher challenges in the near future, from Southeast Asian nations like India, Indonesia, Malaysia, the Philippines, Singapore, Vietnam and Thailand, which tend to be improving their positioning as alternative offshore locations. Because those nations enter the business before Bangladesh.

• Bangladesh’s competitiveness is being challenged by nations like Indonesia, which provide cheaper work in IT and company process skill which tend to be of concern, and need to be resolved.

• Online penetration wants to be uncovered along with the ICT product and services.

• Governmental crises in markets like the US and British might result in outsourcing restrictions being put in place. Additionally really want to think about the nearby governmental issues. .

to be continue

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Model: Khushi, Arno, Samanta, Sony & Bappi

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BUSINESS INTRODUCTION:

formation of linkages with small suppliers.

Entrepreneurship is one of the indispensable ways to economic self-sufficiency around the world. In the developing country like Bangladesh where well-paid employment is scarce, entrepreneurship may be the only way that most individuals can rise above the poverty.

Society in Bangladesh tends to grant small business limited access to material resources, land capital, and education. Now the time has come when we should emphasize on creating self employment opportunities and on expansion of employment-generating small business enterprises.

In recent times, small and medium Enterprises (SMEs) have come into the forefront of development agenda due to the recognition of their contribution in fostering growth, sustaining global economic recovery, generating employment and reducing poverty (OECD, 2004). SEAF (2004) report identifies a number of channels through which SMEs can have positive impact on poverty reduction. Growth of SMEs can reduce poverty through acceleration of economic growth, removal of biases against labour-intensive production, creation of employment opportunities for the low-skilled workers and

OBJECTIVES This write-up descriptively shows the present condition of small entrepreneurs in Small and Medium Enterprises (SMEs) of Bangladesh in terms of their diversity, challenges and the way forward. In addition, also makes an attempt to identify the key features of SME in Entrepreneurship, their need and support requirements, placing a special emphasis on their access to formal credit.

SME IN BANGLADESH SMEs are in general labor-intensive industries with relatively low capital strength. As such Bangladesh being a labour abundant and capital scarce, SMEs have a natural comparative advantage. In recognition of the strategic importance of the development of SMEs in promoting economic growth, employment generation and poverty alleviation the SME sector has been declared as a priority sector in the Government's Industrial Policy 2005 and various measures have been initiated to help maximize the SMEs growth potential.

Entrepreneurship is one of the indispensable ways to economic self-sufficiency around the world

Despite high dependence on agriculture, other sectors are growing significantly in Bangladesh. Over the years, share of agriculture in GDP is declining with services being the drivers of growth. Manufacturing sector in Bangladesh has been contributing at a consistent rate over the last decade to around 15 percent. SMEs in manufacturing and services combined have 19 percent share of GDP. A nationwide survey claims that Micro, Small and Medium Enterprises (MSMEs) value addition accounts for 20 to 25 percent of Bangladesh’s GDP (Daniel, 2003).

3DEFINITION OF SME There is a definitional ambiguity in cases of SMEs in Bangladesh. A major policy weakness in case of SMEs is that there is no unique definition of SMEs that is followed both at policy and operation level. Different organizations define it according to their objectives and conveniences.

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However, there is no common definitional form of SME that has been

applied worldwide; it varies from one country to another and even within the same country. Generally capital investment and number of workers employed are the two major criteria of definitions of SME. SME is defined in the Industrial Policy 2005 separately for manufacturing and non-manufacturing units in terms of their employment and size of asset.

Small industries under manufacturing sector are defined as those which have fixed assets below Tk.1.50 crore (15 million). Under non manufacturing sector small industries were defined as those which employ less than 25 workers. Medium industries under manufacturing sector were defined as those which have fixed assets worth between Tk. 1.50 crore (Tk. 15 million) and Tk. 10 crore (Tk.100 million).

Medium industry in the non-manufacturing sector is meant to include those industries employing 25 to 100 workers.

Bangladesh Bank defines small enterprises having no more than 60 workers with total assets between Tk. 50,000 and 1 crore (for manufacturing) and no more than 20 workers with total assets between Tk. 50,000 and Tk.50 lacs (for trading) and no more than 30 workers with total assets between Tk. 50,000 and Tk.30 lacs (for services)1.

However, Commercial banks either follow the definition of industrial policy, Bangladesh Bank definition or follow a definition that best suits their vision.

1. Meeting the Challenges in SME Development in Bangladesh:Special Reference to Government’s Budgetary Measures, by Dr. Khondaker Golam Moazzem STRUCTURE AND GROWTH OF SME Now the SMEs are not only concentrated to low-tech, traditional, and agro-based economic activities; these are spread over other non-traditional manufacturing and service sector as well. Growth of SMEs has occurred simultaneously with large-scale enterprises in most of the major industries, such as wood products, jute, cotton and apparels, food and beverages, and fabricated metals. In a number of industries, import substitution has taken place. In general, SMEs are currently undergoing structural transformation because of various linkages at domestic and international levels. This structural transformation contributes to making changes in product composition, degree of capitalization, and market perpetration through the adjustment of changes in technology, market demand and market access

(Ahmed, 2001). However, growth of SMEs has been largely retarded by a number of constraints, of which financial constraint is mentioned at first.

Besides, there are constraints in the cases of legal, administrative, regulatory, technological, infrastructural, and human resources. Government’s pro-poor policies should focus sufficiently on these constraints and various budgetary measures should emphasize on the improvement of these constraints.

SMALL & MEDIUM ENTERPRISE (SME) BANKING DIVISION Overview: SME Banking Division is a business division of Bank that deals with Small and Medium sized Entrepreneurs involved in different types of business.

SME banking division primarily provides loans to small and medium sized trading, manufacturing, service, agriculture, non-farm activities and agro-based industries located across the country.

SME Banking Division has successfully made a mark in creating a platform for Small and Medium Entrepreneurs in “Access to Finance”, the key to the prime obstacle towards growth of SMEs. Bank upholds the motto to finance the “missing middle” the underserved market segment of SMEs. Years of market knowledge & understanding, committed resources, country wide coverage and well aligned strategies have made the bank an expert in SME Financing and the bank has successfully developed an examined & successful model in SME financing in Bangladesh.

SME has also incorporated double bottom line approach in its operation first one of which is making profit by mobilizing fund from urban to rural areas and second one is performing social responsibility by creating an entrepreneurial class.

Along with Small & Medium Enterprise financing, SME Banking Division is also actively working in creating awareness and imparting knowledge to SMEs about financial record keeping, dealing with modern banks and industry best practices in SME operation. In an attempt to ensure customer awareness and to strengthen the relationship with customers, SME Banking Division arranged informative campaigns and road shows for SMEs located across the country.

WOMEN IN SME In Micro Credit Programs, it has already been established that credit

provided to women in Bangladesh has been shown to have better impacts than credit provided to men.

BRAC Bank has a Women Entrepreneur Cell under its SME Banking Division to to offer access to formal finance along with training and technical assistance to the women entrepreneurs across the country.

Before launching this Unit, BRAC Bank conducted an internal survey limited in Dhaka and Chittagong firstly, to have an idea about the potential market of women entrepreneurs for BRAC bank, secondly, to know the profile of the Women Entrepreneurs and finally to identify the specialized needs of Women Entrepreneurs so that BRAC Bank can come up with new innovative and dynamic financial packages for them.

ACCESS TO FINANCE Access to finance is one of the main barriers faced by Entrepreneur.

Entrepreneurs cannot arrange amount of capital for large enterprises. Thus Small and Medium Enterprises is the main sector where they can show their skills and achieve economic self-sufficiency. Few years ago Small and Medium Enterprises in our country did not have any access to finance at all.

Now the situation has changed. Still starting capital is one of the main problems faced by entrepreneur. For small entrepreneur, transactions such as gifts and loans from relatives, friends, and neighbors, may overcome barriers to the formal sector. If this is so, formal programs designed to increase access of small Entrepreneurs to formal financial services may actually prompt reductions in the informal sector.

Accessing credit, particularly for starting an enterprise, is one of the major constraints faced by small entrepreneurs. When entrepreneurs do have access to credit it is often in small amounts, whether this suits their needs or

not. Differential access to credit may of course be a reflection of differences in the choice of sector, educational level or the amount of loan requested. In addition to this, entrepreneurs in developing countries like ours continue to suffer from poor overall assets, poor enforcement of financial rights and the existence of unequal inheritances rights and consequently poor access to community and social resources.

Conventional thinking, cultural and social values, and lack of collateral-all aggravate the difficulties faced by SME. SME, in particular the less educated ones, also find it more difficult to get financing from banks because they lack information on how to go about securing a loan. Moreover, bank managers are often more reluctant to lend to SME. Sometimes, credit may be available for SME through several schemes but there are bottlenecks and gaps, and the multiplicity of schemes is often not adequately listed nor is there networking among agencies.

“Seed Working Paper No. 14”, by Nilufer Ahmed Karim made for ILO

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BUSINESS

•Lack of knowledge on different available options of financing scheme.

•Lack of appropriate skills to evaluate the business especially those in the informal sectors.

•Complex procedure in the institutional level •Complicated arrangement in legalizing & formalization of busines •Inadequate Technical Knowledge and Managerial experience which make it difficult foe them to sustain in the competitive market •High cost of credit

to different approaches in the implementation of policies to promote SME’s entrepreneurship. When each stakeholder focuses narrowly on one approach, without coordinating its efforts with those of other actors, gaps can emerge, resulting in policies that do not effectively reach all entrepreneur with appropriate services. But without strong linkages to the government actors and decision makers who set the economic policy agenda, such exclusively “poverty alleviation” based approaches may serve to further isolate poor and marginalized people, instead of helping them to integrate into the larger economic system. Three key challenges emerge with respect to improving support for SME’s self-employment on the policy level: •how to effectively identify and reach self-employed , •how to better integrate into relevant policy areas, and how to better integrate and coordinate the efforts of different stakeholders.

RECOMMENDATION FOR POLICY MAKERS AND FOR INSTITUTIONAL LEVEL At the institutional level supply side measures should address constraints

•Weak and poorly enforced credit rights in the country •Lack of effective policies and infrastructure to expedite their economic activities From the Supply-side perspective: •Financial Institutions’ reluctance to finance for start-ups •Insufficient assets to cover the debt – burden ratio •Low capitalization •Vulnerability to market fluctuations •High mortality rates •Lack of accounting records and inadequate financial statements •Lack of business plans •Difficulties in identifying entrepreneurs involved in informal business sectors RECOMMENDATION To promote SME in Bangladesh, there should be special arrangements •To develop market strategies suitable for them •To arrange training programs •And to equip them in production techniques, time management, financial management, local and export marketing, packaging, pricing, communication skills etc.

Because these rationales reflect different policy priorities, they can lead

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relating to track-record requirements, size requirement, equity requirement, etc., and include •Survey to determine the needs, demands and debt capacity of SME •Legal reforms to abolish gender differences in commercial and civil law CONCLUSION The government plays an important role in fostering conditions for entrepreneurial success. Government investment in SME's development is the most effective means of improving entrepreneurship. The government encourages GO-NGO collaboration to create an environment in which entrepreneurship can develop.

However, the multidimensional problems and challenges that entrepreneur of Bangladesh face may not be eased by only government support, but also need necessary improvement in the administration, infrastructure etc.

Entrepreneurs need necessary support in terms of administrative regulations (such as registration with supporting institutions), efficient management of different public institutions. Thus, a holistic approach is much needed for the potential and newly emerging Entrepreneurship of Bangladesh, which may ensure the competitiveness of the whole value chain.

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ivision is D g n i k n SME Ba ision of v i d s s e a busin als with e d t a h t Bank m sized u i d e M d Small an involved s r u e n e Entrepr es of p y t t n e r in diffe nking a b E M S . business proy l i r a m i r p division mall and s o t s n a vides lo trading, d e z i s medium rvice, e s , g n i r tu manufac non-farm , e r u t l u agric d agron a s e i t i v acti cated o l s e i r t s du based in ntry. u o c e h t across

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which was was based on the findings of the most comprehensive study done till the date by ILO (1995) with a sample size of 500 entrepreneurs.

6% got loans from family members.

0.5% got loans from commercial banks.

0.3% got loans from national banks.

61% got loans from NGOs A brief discussion on the major constraints their accessing to finance is given below: From the aspect of Demand side: •Fear of being rejected, unwillingness to have collaterals from partner, doubts about defending the project.

THE MUSLIM JEWELLERS D-6, MOuchak Market (Ground Floor), Dhaka-1217 Phone : 88 02 9362343, 9362546, Fax : 7363605

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Every treatment and selling center have highly educated, experienced male and female doctors.

Everyday including Friday we serve our patients the very best of the treatment from Morning: 9.00 am till Night: 9.00 pm Every medicine is manufactured in a purely scientific way and is ISO certified GMP quality maintained and Bangladesh Pharmacy Administration Department approved. A very reputed and experienced team of Pharmacist, Chemist, Hakim, Kobiraj, Microbiologist and Botanist observe the whole procedure directly.

Dhaka Metro Area’s Branch Address and Phone Number 1. Dhaka Showroom : 32, Bangabandhu Avenue, Gulistan, Dhaka-1000, Phone : 9551838, 01766-668718

17. Mirpur-10 : Plot# 38/B, Mirpur 10, Section-6, Road# 2, Mirpur Golchottor (Beside Sunderban Courier Service), Mirpur, Dhaka. Phone : 01766-668727

2. Nagor Bikroy Kendro : HamdardBhaban, 99, Biruttam C R Dutta Road, Dhaka. Phone : 9665965-66, 01766-668719 18. Mirpur-11: Plot# 14, Road# 3, Harun Molla Road (Down under K.F.C Restaurant) Section# 11, Block# A, Pollobi, Mirpur, Dhaka.

3. Jatrabari : 37/A, ShahidFaruq Road, Jatrabari, Dhaka.

Phone : 01766-668728 Phone : 01730-087254 4. Dhonia : 379 Dhonia, Jatrabari, Dhaka.

Phone : 01766-668737 5. Sadarghat : Ladies Park Hockers Market, Shop no# 300, Sadarghat Dhaka. Phone : 01730-087262 6. New Market : Noorani Mini Market, 2nd Floor (Gausia Market’s oppsite), 1/A-14, Elephant Road, Dhaka-1205, Phone : 01711-619053 7. Jhigatola : 42, Jhigatola, Dhaka. Phone : 01766-668730 8. Nimtoli : 37, NawabKatra (Opposite to Dhaka Universities Ekushe Hall), Nimtoli, Dhaka.

Phone : 01766-668732 9. Chokbazar : 40, BoroKatra, Chokbazar, Dhaka.

Phone : 01730-087258 10. Pilkhana : 23/A, MC Ray Lane, B.D.R, 1 No Gate, (In front of B.D.R Cinema Hall), Pilkhana Dhaka.

Phone : 01730-087255 11. Mohammadpur : P/28, Nurjahan Road, Mohammadpur, Dhaka. Phone : 01711-405167 12. Dhanmondi : 50, Eastern Elite Center(Ground Floor), 9/A Dhanmondi Shat Moshjid Road, Dhanmondi, Dhaka.

Phone : 01766-668738 13. Rayerbazar : Hazi Bhaban, 16 Sultanganj Road, Rayerbazar, Dhaka. Phone : 01766-668731 14. Kolabagan : Tridhara Tower, 67 Lake Circus Road (East Side of Rasel Square), West Panthopath, Kolabagan, Dhaka. Phone : 01766-668720 15. Pnthapath : G.M Plaz, 150 Green Road, Panthapath, Dhaka.

Phone : 01766-668721 16. Mirpur : Plot- M/2-1, Section-14, Mirpur, Dhaka.

Phone : 01711-619054

19. Shyamoli : 24, Shyamoli Biponi Bitan (Ground Floor), (Opposite to Shyamoli Cinema Hall), Shyamoli, Dhaka.

Phone : 01730-087261 20. Shewrapara : 971, RokeyaSharani, Shewrapara, Mirpur, Dhaka.

Phone : 01730-087260 21. Gabtoli : 28-29, Jahin Plaza, Majar Road, Gabtoli, Dhaka.

Phone : 01766-668729 22. Sobujbag : 43/21 Atis Dipongkor Road, Sobujkanon, Sobujbag, Dhaka. Phone : 01766-668736 23. Bonosree : Shop# C, House# 36, Road# 04, Block-C Bonosree, Rampura, Dhaka. Phone : 01766-668734 24. Mogbazar : 80 Mogbazar, Dhaka-1205, Phone : 01766-668735 25. Malibag : 35/B, DIT Road, Malibag Chowdhurypara, (Opposite of Padma Surma cinema Hall) Malibag, Dhaka.

Phone : 01766-668722 26. Mohakhali : H-41Biruttom Ziaur Rahman Road, Airport Road Mohakhali, Dhaka. Phone : 01766-668733 27. Badda : Badda Tower, Cha-72/1 BirUttomRafikul Islam Avenue, North Badda, Dhaka. Phone : 01766-668726 28. Baridhara : 56/A, Biruttom Rafiqul Islam Avenue (Progoti Sharani), Norda Bus stand Baridhara, Dhaka. Phone : 01766-668725 29. Uttara : Aziz square, 67/A, RabindraSarani, Sector-7, Uttara Model Town, Uttara, Dhaka. Phone : 01766-668723 30. Dakkhinkhan : Dakkhinkhan Bazar, Dakkhinkhan, Dhaka.

Phone : 01766-668724 31. Kamarpara : House, 7, Road-16, Sector-10, Uttara Model Town (Kamarpara Bridge Nearby ) Dhaka-1230. Phone : 01766-668679

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PHOTOGRAPHY Every photographer aspires to

shoot professional-looking images, and in the first of our continuing Shoot Like A Pro sequence on Digital Camera World we showing the recipe that makes up all good outdoor portrait photography, offering expert photography tips on everything you need to know about this subject, from composition and kit to camera tips, flash techniques and more.

No matter where you find yourself, there will always be portrait opportunities. Every location has its own particular feature that can give an image something unique. The location doesn’t have to dictate the type of shot you take but certain places will enhance your vision. Getting your subjects to interact with the surroundings not only makes for a more interesting shot, but adds a bit of fun for everyone involved. It helps if you can choose a location where you can move around the subject to get different angles. If you can only shoot from one angle then this will limit your creativity. Just remember not to underestimate how much the background and space around the subject influences how the portrait is framed.

Here give you some tips for outdoor portrait. I think it must help for your photography. So let's start your photography....

1) Pick one focus points for portraits.

When you pick the auto focus option that allows the camera to select focus points, you are doing your portraits a dreadful damage. This feature of a camera is usually designed to pick whatever is closest to the lens and focus there. In some cases, like with my 1DS Mark III, the camera will choose a cluster of focus points and make a “best guess” based on averaging the distance between all of the chosen points. Using one focus point gives you, the photographer, eventual control.

with a wide aperture value focused on the eyes, the lens’s bokeh will aid in softening the skin as well.

There are quite a few reasons to invest in a fast lens capable of wide aperture values; the most common is for shallow depth of field. Now that you can shoot at ƒ2.8 or ƒ4 you should use it. Most fantastic natural light portraits are from wide aperture values and it is all because of the wonderful smooth background blur we call “bokeh”.

3) Shoot a portrait at 70mm or higher.

The last thing you want to hear from a client is “Why does my head look swelled?”

Any focal length below 70mm can distort your subject, however it doesn’t become very noticeable until you are below 50 MM. The compression effect of a telephoto lens will also increase the blur of bokeh.

Most of my portraits are done between

120mm and 200mm.

4) Always shoot in RAW. A thousand times these words have bellowed from my mouth, and it will surely come out a million more. Raw is an unmodified compilation of your sensors data during the time of exposure. It is your digital negative.

When you shoot in JPG format, everything but what the image processor needs to make a shell representation of the image you intended to capture is stripped away. For every edit you make to a

2) Always focus on the eyes.

The eyes are the windows to the soul, and should be the focal point of any good portrait. Not only are the eyes the most important part of a good portrait, but they are the sharpest element on the face and should be left that way.

When you are shooting

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PHOTOGRAPHY

5) Always bring a gray card or a piece of a gray card for white balance.

To avoid confusion, I am going to explain this backwards. When opening Adobe Camera Raw or any other RAW image editing application there is always a way to select a custom white balance. Usually it is an eyedropper of some kind that you can use to click on what you think is neutral gray in your image. Imagine a world where your photo shoot involved 4 locations and a total of 800 images, and all day the camera was set to Auto White Balance. That is 800 different white balance values, a post production nightmare. If, at each location, you have your subject hold the gray card on the first shot, you will save hours of work. When you open location one in your favorite post production application, all you have to do is click the eye dropper on the gray card, select all and synchronize the rest.

Precious hours have been saved.

6) Shoot in the shade Direct sunlight is harsh, makes your subject squint, and creates hard directional shadows and unpredictable white balance conditions. When shooting in the shade, there are no more harsh shadows, only smooth milky shadows created by your subject’s natural features. With proper exposure and white balance, you can make these shots look amazing.

7) Shooting carefully on an overcast day.

Natures soft box is a giant blanket of clouds. A good heavy blanket of cloud cover can help you enrich your colors, and make some very smooth and pleasing shadows.

8) Use an existing reflector.

For example, my guess is that about 75% of the delivery trucks on the planet are white. These big white delivery trucks can make amazing fill light reflectors as long as they weren’t painted with an off white. Picture framing outlets and craft stores always have medium to large sized pieces of foam core lying around that have been left for scrap. They are usually more than happy to part with these scraps, and if not, chances are there are pieces by the dumpster.

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9) Learn the sunny ƒ16 rule.

Why? So you have a baseline for proper exposure in your mind to work with if no other tools are present. The sunny ƒ16 rule states that on a sunny day, with your aperture value set to ƒ16, your shutter speed will be the inverse of the current ISO speed. For example, if your camera is set to ISO 100, and your aperture value is ƒ16, your shutter speed will be 1/100th of a second. On a cloudy day you simply use ƒ8 instead. If you own either an incident light meter, or gray card use either for the most accurate exposure instead.

10) Bring a sheet and a few spring clamps from home.

Leave the expensive 200 thread count sheets on the bed. You already got them? Well go put them back. You know that cheap old sheet you stuck in the corner of a closet to use as a drop cloth the next time you paint? Go get it. (Another option is to buy the cheapest, lowest thread count, white top sheet you can find.) A queen size sheet is an amazing, cheap, diffuser.

Sort of a sever foot soft box for the sun. Wrap an edge of the sheet around a branch or clothes line and clamp for a side light. Clamp all for corners to anything you can above your subject for an overhead light.

11) Keep the power-lines and signs out!

We have already discussed keeping your camera focused on the eyes; keep your mind focused on the image as a whole. Power lines, signs, long single blades of grass, single pieces of garbage, sometimes even trees can be serious distractions from the overall focus of the image… The person you are photographing.

Last, and most important, have a great time shooting, enjoy what you’re doing and it will show in your work, and the expression of your subject.

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JPG, you lose more data. With RAW, you can make a vast range of edits before creating the JPG. How can this make you portrait better? Think about the last time your white balance was set incorrectly, and you tried for hours to remove the color cast only to destroy the image with every attempt.

RAW would have saved you by allowing you to fix the color before opening the image for retouching.

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LIGHTING UP Pages: A successful footballer, effectual businessman, and even a reputed business leader. In every form of your life you have been successfully the trendsetter in every sector. How did that happen? What was on your mind?

Salam Murshedi: No one in the world can’t be successful by one scheme.

Every one bear his own dreams. Some get fulfilled, some fail. My father was an ordinary school teacher. He used to teach in PTI. I was the youngest amongst our family. Our family ought to be a sport’s fanatic one. In fact my father was a good athlete. My big brother was named “Mr. Bangladesh”.

We both gained trophies in the national level for sports. And for me?

Football was like my addiction!

Entering the world of business was just a miracle there. In 1974, I got the chance to play in the Muslim club. And when it was 1978, I got a job at Khulna’s “Platinum Jute Mill.” From that day I started to think about my own business. I dreamt to be the owner of one like “Platinum Jute Mills.” Before that in 1977, I came to Dhaka as Khulna’s correspondent to play football.

Coming here I got the chance to play for Azad Sporting Club. Azad Sporting Club used to rule the Football Federation at that time. In the same year for a great performance the chance came there for me to be in the elite league of the National Youth Team. And at the same time International Youth Football Tournament of 220 nations took place and I got the chance to play there. It was the first big tournament of my life. And riding the cycle I played for BGMC that year. The year after that I scored the historical hat trick against Brother’s Union and become the “Salam Murshedi” nationwide as a new football star. At the 80’s I got the chance to play for “Mohammedan Sporting Club” and at time of the 82’s I scored 27 in the national league goals which is still an unbreakable record of the Bangladeshi football history. It feels sad not finding any striker after our batch. One after one success eventually created the path for me to be the “Salam Murshedi” of today.

Pages: From a footballer to a business leader. How much do you enjoy?

Salam Murshedi: I feel good. Actually I got the opportunity of being a business leader is completely a gift from my football career. If I wouldn’t have played for the national team I may not have seen the Dhaka City. Everything of me is being blessed by football. In my company more than 20 thousand are working currently. The biggest

textile mill of the country is under my company. I became the president of the BGMEA and now I am the president of Exporter’s Association. But still when I walk into the road people know me by the name footballer Salam Murshedi. And it’s really pleasing..

Pages: The biggest show on the earth football “World Cup” has come again.

The show has begun. Though world football has gone so forward and we are heading backwards. As a footballer how will you judge it?

Salam Murshedi: Yes. World cup is the biggest stage for the footballing nations. United Nations has 198 members and FIFA has 211. Even we are the member of FIFA. In circumstances of the national football we can’t say we have drawn back that much but in case of the international level we didn’t move forward also.

Football is no longer into a game only.

It is a business worldwide. The past year football has generated 2233 billion Marcin Dollars. Bangladesh participation in it is almost not there. Various issues are there. School football is no longer running. Football is not played with the enthusiasm in the rural levels. I was being produced from school football.

Later on, I played for BJMC. In our time, 11 institution had football teams at the national levels. Every institutes and educational institutes the Cota system. Now this are all stopped.

Cota’s are now under the possession of Chatraleague and Chatradal.

Discontinuation of school, college and district level football competition made today’s grief. Even though I am hopeful. Just a few days back I arranged a football match at Gopalganj. The stadium was full of football fans. Some other programs are there in our hands. Now if the players, Bafufe and government can work together there will be a feedback

above all the main thing that is needed is a good plan. I think football is becoming regular in all stages.

Inter-college and Inter-Universities competition should must be started in a real quick time. I think if we go with a good plan; in the next 10 years we will reach the Asian standard of football. Other teams have big budgets.

We don’t need that big budget.

Government need not to pay the Bafufe. FIFA provides it. This year we have requested for a budget in sake of the football development. If we can unite the youth society with a good routine and arrange the college and district section football competition beside school competition we will reach the Asian standard in just 10 years.

We have beaten Iran. Even Maldives has been beaten by a huge number of 10 goals whom we lose in 1 goal now a days. We had stars during our time, there is no star at this time. We need to find the star footballer. We need to hunt the talent down.

Pages: How much sincere is the government for the sake of football development?

Salam Murhshedi: Government is sincere. Present prime minister is a sports crazy person. If I arrange a million taka super cup then the prime minister herself steps into the field to watch and inspire the footballers.

Actually our football related personalities are not organized with a routine plan. I don’t want to give any objection

Pages: Letting the world class aside but how long will it take to enhance our national football to theAsian Standard?

Salam Murshedi: We started the school football again. In the district roster duty we will start anew. But it will take a minimum time.

But,

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LIGHTING UP about the government’s effort. Isn’t our government spending money on cricket? Government will spend even on football if the plan is proper and routine with a potential.

Pages: As you said, football is a worldwide big business. Being a footballer you are a business leader as well. What is the scope to do a healthy business and income from that by football?

Salam Murshedi: There are two kind of business related with football. A player earns foreign currencies by playing abroad. In this case, Brazil is leading.

Brazil player’s income the most around the whole world. Right after that it is Argentina. And then it is the African players. They income a huge amount of money from the European Market. If we want to go to that level along with the government the corporate houses who are patronizing should work together. Today our cricket is in such a stage because of the patronization.

Cricket is really expensive. It needs Bat, Ball, Pad, Gloves, Helmet and many more. But in a football match you can make the 22 players play with just one ball. If the corporate bodies along with the government who are giving support to football should work together. A good routine is needed.

There should be a Calendar. A game should be on the running and the other will be on the development side.

And this will be the national development process. Success should be brought on to the international levels. If the success is not there then the nation will not get enthusiastic.

International tournaments needs to be there. We can’t even remember when did the last international tournament was held. We brought Argentina to play against Bangladesh and to watch the match it there happened chaos even on the roads. If the people of Bangladesh had no love for football, what is the craze all about?

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teams has come to the semi-finals.

Seems like it has been the fixed fate by the mercy of god. Two European teams and two Latin American. I have some complains about the referring. I think between the wars of this two they will play a bit defensive. And in the finals, the fight between the European team and the Latin American one will be a healthy fight.

Pages: Your contemporary business leaders are getting old really soon.

They are not able maintain there figure. But how do you manage to keep yourself so healthy still even?

Salam Murshedi: why will you call a young man like me an old guy? Ha Ha Ha ? But whenever I realize when I did left football reminds me about my age. That’s why I never say to anyone when I left football. It is my business career which is more than 30 years!

Actually I was sporting from the very beginning. I still do a bit physical exercise. When I was at school my

This

father bought me a cycle. When my son was born he got a car! But I saw cycle. I always think I am riding on a by-cycle. And only for that I make a very few mistakes. I always think people should not forget his past..

Pages: you are a busy guy. But still how do you maintain your outlook, your dress up and figure maintained so firm?

Salam Murshedi: Because I am a sportsman I exercise. And for that reason only I think I am sstill healthy.

And my eating habit is really simple.

Every morning I eat bread with vegetable. And good dress up is only for the sake of business. If I go to a meeting or a conference I have to wear a good dress. Our boys and girls know what is brand and fashion all about. We do fashion but for our need.

o r

That

Soft music

Rock music

Biography Fast food

Novels Biriani

Fromal dress

Gaverdin pant with black t-shirt

Green

Pink Ode

BMW

I-phone Omega

Windows Mobile

Pages: Now is the time of football.

What is your thoughts about it?

Movie & Drama

Sports & geography

Cricket

Football

Salam Murshedi: This world cup is still one of the competitive. From team to team the difference did not varied too much. Some day’s back the strong teams even did not give any gen to the smaller and the weaker teams. But in this world cup whichever top favorite you are, you must have to earn it by the last drop of sweat you have. Every team improved. Especially the teams which we thought weaker did a good improvement. Teams like Spain, Italy, and Portugal got out of the tournament on the group stage. We kept this teams as the favorites for this world cup. This time the amount of goal scoring has increased a lot. Four

Leisure time

Working time

Forest

Sea

Shomoresh Majumder

Humayun Ahmed

Runa Layla & Sabina Yeasmin

Habib

Titan

Mitua Fashion

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HAPPY FATHER’S DAY Rasedul Islam Lalin

This

is an occasion to express gratitude towards your dad for all his love and support. The Father's Day in Bangladesh is on 3rd Sunday of June on every year. Father's Day is a celebration honoring fathers and celebrating fatherhood, paternal bonds, and the influence of fathers in society.

Fathers are said to be every person's 'first hero'. All sons and daughters to show their love and gratitude to their father, and also for fathers to think back about what being a father means to them.

But in our life time when we become success in our life and achieved our desired goals we forget and neglect our father sometimes. Even though we make them separate from our family and send them in the old age home.

But they need our company in their old age as like they have given their company in our childhood.

So everybody needs to consider fathers sacrifice for our better life and give them proper respect in their old age.

‘‘ ‘‘ Photography: Lalin

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CULTURAL NEWS

SHAHIDUL ALAM AND MS FAROOKI AT PATHSHALA Rasedul Islam Lalin

The

Department of Broadcast & Multimedia of Pathshala South Asian Media Institute, hosted their Certificate Giving Ceremony for the students of Winter 2014 Semester on the 7th of June,2014, at 5 pm at the Auditorium at Chhayanaut Cultural Centre, Dhanmondi.

Principal of Pathshala South Asian Media Institute; Dr. Shahidul Alam distributed certificates to the successful graduates of the Winter 2014 Semester. MS Farooki also distributed certificates to the participants of the Visual Storytelling Workshop organized by Pathshala.

A compilation of the students work was shown.

Dr. Shahidul Alam shared inspirations and urged the graduates to further their studies and make a positive contribution to the Media industry in Bangladesh. He shared some stories from the past which were helpful for the new graduates.

MS Farooki was excited and hopeful about the graduating batch from Pathshala. He pointed out how it is our individual responsibility to make sure the quality of content made by Bangladeshi media reflects our culture and values. He urged future Film Makers from Pathshala to create distinctive works of art which would portray Bangladesh positively in the global media scenario.

The Program was concluded by Arnob Chakravarty, Head of the Department, Broadcast & Multimedia, who shared information about the start of the Broadcast & Multimedia Department and the underlying vision of this ground breaking initiative. He wished all the graduates success and urged them to stay involved with Pathshala in the future.

Photography: Lalin

105 PAGES

CULTURAL NEWS

SHAB-E-BARAT 2014 Rasedul Islam Lalin

The 15th night of Shabaan is a very blessed night. According to the Hadith Shareef, the name of this Mubarak night is “Nisf Sha’baan” which means 15th night of Shabaan. The reason for this special night to attain its name of Laylat al-Bara’ah, meaning the Night of Salvation, Seeking Freedom from Azaab and Calamity, is that in this night the Barakaat and acceptance of repentance may be accomplished.

It is on this day that Allah is said to write the destinies of each one in the coming year, so Bengali Muslims pray in earnest on this day for his blessings and forgiveness. Families also take this time to remember their departed and visit their graveyards.

Any festival in Bangladesh is really not considered complete without the presence of food or the house all decked up. To bring in the feel of Shab-e-Barat, houses are cleaned during the day and few even decorate theirs with candles and

Photography: Lalin

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sparkling lights. The women in the house throughout the day busy themselves with preparing sweet dishes like halwas, barfis, shemai (vermicelli), rooti and what not. Once, everything is cooked, the food is then shared with friends and relatives. You may get to see a good number of young people during the evening, carrying the dishes in well-decorated containers to the houses of their neighbors and other acquaintances.

‘‘According to the Hadith Shareef, the name of this Mubarak night is “Nisf Sha’baan” which means 15th night of Shabaan.

‘‘

Photography: Lalin

Photography: Lalin Photography: Lalin

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