āĻ•āϞ āĻ•āϰ⧁āύ

āĻ•āĻžāϰ⧇āĻ¨ā§āϟ āĻ…ā§āϝāĻžāĻĢā§‡ā§ŸāĻžāĻ°ā§āϏ

āύ⧀āϤāĻŋāĻŽāĻžāϞāĻžāĻŦāĻŋāĻšā§€āύ āĻĒāĻ°ā§āϝāϟāύ⧇ āĻŦāĻŋāĻĒāĻ¨ā§āύ āĻĒāϰāĻŋāĻŦ⧇āĻļ

āĻĒ⧃āĻĨāĻŋāĻŦā§€āĻœā§ā§œā§‡ āĻ›ā§œāĻŋā§Ÿā§‡-āĻ›āĻŋāϟāĻŋā§Ÿā§‡ āĻĨāĻžāĻ•āĻž āĻœā§€āĻŦāύ āĻ“ āĻĒā§āϰāĻ•ā§ƒāϤāĻŋāϕ⧇ āĻ•āĻžāĻ› āĻĨ⧇āϕ⧇ āĻĻ⧇āĻ–āĻžāϰ āφāĻ—ā§āϰāĻš āĻŽāĻžāύ⧁āώ⧇āϰ āϚāĻŋāϰāĻ¨ā§āϤāύ āĻ…āĻ¨ā§āϤāĻ°ā§āĻ—āϤ āĻ¸ā§āĻŦāĻ­āĻžāĻŦāϏāĻŽā§‚āĻšā§‡āϰ āĻ…āĻ¨ā§āϝāϤāĻŽāĨ¤ āφāϰ āĻ āϧāϰāύ⧇āϰ āĻ¸ā§āĻŦāĻ­āĻžāĻŦ⧇āϰ āϤāĻžā§œāύāĻžāϤ⧇āχ āχāĻŦāύ⧇ āĻŦāϤ⧁āϤāĻž āĻ•āĻŋāĻ‚āĻŦāĻž āĻšāĻŋāĻ‰ā§Ÿā§‡āύ āϏāĻžāĻ‚ āϏ⧁āĻĻā§‚āϰ āĻŽāϰāĻ•ā§āϕ⧋ āĻ•āĻŋāĻ‚āĻŦāĻž āĻšā§€āύ āĻĻ⧇āĻļ āĻĨ⧇āϕ⧇ āĻ¤ā§ŽāĻ•āĻžāϞ⧀āύ āĻĻ⧁āĻ°ā§āĻ—āĻŽ āĻĒāĻĨ⧇āϰ āĻŦāĻžāϧāĻž āĻ…āϤāĻŋāĻ•ā§āϰāĻŽ āĻ•āϰ⧇ āĻ āωāĻĒāĻŽāĻšāĻžāĻĻ⧇āĻļ āĻāϏ⧇āĻ›āĻŋāϞ⧇āύāĨ¤ āĻ…āĻŦāĻļā§āϝ āĻ āωāĻĒāĻŽāĻšāĻžāĻĻ⧇āĻļā§€ā§Ÿ āĻŽāĻžāύ⧁āώ⧇āϰ āĻŽāĻ§ā§āϝ⧇ āĻ­ā§āϰāĻŽāĻŖāĻĒāĻŋāĻĒāĻžāϏāĻž āĻ…āϤ⧀āϤ⧇ āĻ•āĻ–āύ⧋āχ āϖ⧁āĻŦ āĻāĻ•āϟāĻž āĻĒā§āϰāĻŦāϞ āĻ›āĻŋāϞ āύāĻžāĨ¤ āĻšāϤ⧇ āĻĒāĻžāϰ⧇, āĻ…āĻ°ā§āĻĨāύ⧈āϤāĻŋāĻ• āĻ…āϏāĻšā§āĻ›āϞāϤāĻž āĻāϰ āĻāĻ•āϟāĻŋ āĻŦ⧜ āĻ•āĻžāϰāĻŖāĨ¤ āϤāĻŦ⧇ āĻŦāĻžāĻ™āĻžāϞāĻŋāϰ āĻŽāĻ§ā§āϝ⧇ āĻ¸ā§āĻŦāĻ­āĻžāĻŦāĻ—āϤāĻ­āĻžāĻŦ⧇āχ āϘāϰāϕ⧁āύ⧋ āĻšā§Ÿā§‡ āĻĨāĻžāĻ•āĻžāϰ āĻĒā§āϰāĻŦāĻŖāϤāĻž āϝ⧇ āĻāĻ•āϏāĻŽā§Ÿ āϝāĻĨ⧇āĻˇā§āϟāχ āĻ›āĻŋāϞ, āϤāĻžāϤ⧇ āĻŦāĻŋāĻ¨ā§āĻĻ⧁āĻŽāĻžāĻ¤ā§āϰ āϕ⧋āύ⧋ āϏāĻ¨ā§āĻĻ⧇āĻš āύ⧇āχāĨ¤ āĻ…āĻŦāĻļā§āϝ āĻ¸ā§āĻŦāĻžāϧ⧀āύāϤāĻžāϰ āĻĒāϰ āĻĨ⧇āϕ⧇ āĻœā§€āĻŦāĻŋāĻ•āĻžāϰ āĻĒā§āĻ°ā§Ÿā§‹āϜāύ⧇ āϏāĻžāϰāĻž āĻĒ⧃āĻĨāĻŋāĻŦā§€āϤ⧇āχ āĻŦāĻžāĻ™āĻžāϞāĻŋ āĻāĻ–āύ āĻāϤ āĻŦāĻŋāϚāĻŋāĻ¤ā§āϰ āĻ¸ā§āĻĨāĻžāύ⧇ āĻ“ āĻĒ⧇āĻļāĻžā§Ÿ āĻ›ā§œāĻŋā§Ÿā§‡-āĻ›āĻŋāϟāĻŋā§Ÿā§‡ āĻĒā§œā§‡āϛ⧇ āϝ⧇, āϤāĻž āĻĻ⧇āϖ⧇ āϰ⧀āϤāĻŋāĻŽāϤ⧋ āĻ…āĻŦāĻžāĻ• āĻšāϤ⧇ āĻšā§ŸāĨ¤ āϕ⧇ āϜāĻžāύ⧇, āĻ­āĻŦāĻŋāĻˇā§āϝāϤ⧇āϰ āϕ⧋āύ⧋ āĻāĻ• āĻĒāĻ°ā§āϝāĻžā§Ÿā§‡ āĻ āĻ…āĻ­āĻŋāĻŦāĻžāϏ⧀ āĻŦāĻžāĻ™āĻžāϞāĻŋāϰ āϏāĻ‚āĻ–ā§āϝāĻž āĻšā§ŸāϤ⧋ āĻŽā§‚āϞ āĻ­ā§‚āĻ–āĻŖā§āĻĄā§‡ āĻŦāϏāĻŦāĻžāϏāĻ•āĻžāϰ⧀ āϜāύāϏāĻ‚āĻ–ā§āϝāĻžāϕ⧇āĻ“ āĻ›āĻžā§œāĻŋā§Ÿā§‡ āϝāĻžāĻŦ⧇ āĻ•āĻŋ āύāĻžāĨ¤

Balancing diplomacy, reform and competitiveness

Bangladesh is one of the youngest nations on the planet. The recent political changes in the country have offered us an opportunity to rethink, revisit, reevaluate, and rebrand the competitiveness of Bangladesh. This is highlighted by the Chief Adviser Muhammad Yunus's visit to the Summit of the Future 2024 in New York. The support of the world leaders to an 84-year-old statesman who needed no introduction at the UN was overwhelming. His speeches, handshakes, hugs, presentations, meetings, receptions, and photo sessions were good public relations for a two-month-old government. Perhaps, we are entering a new era of diplomacy.

āĻļā§āϰāĻŽāĻŦāĻžāϜāĻžāϰ āϏāĻŽā§āĻĒā§āϰāϏāĻžāϰāϪ⧇āϰ āĻāĻ–āύāχ āϏāĻŽā§Ÿ

āϜ⧁āϞāĻžāχ ⧍ā§Ļ⧍ā§Ē-āĻāϰ āϝ⧁āĻ—āĻžāĻ¨ā§āϤāĻ•āĻžāϰ⧀ āĻ—āĻŖ-āĻ…āĻ­ā§āϝ⧁āĻ¤ā§āĻĨāĻžāύ āύāϤ⧁āύ āĻŦāĻžāĻ‚āϞāĻžāĻĻ⧇āĻļ āĻŦāĻŋāύāĻŋāĻ°ā§āĻŽāĻžāϪ⧇āϰ āϏ⧁āϝ⧋āĻ— āϤ⧈āϰāĻŋ āĻ•āϰ⧇āϛ⧇āĨ¤ āĻ›āĻžāĻ¤ā§āϰ-āϜāύāϤāĻžāϰ āϏāĻĢāϞ āφāĻ¨ā§āĻĻā§‹āϞāύ⧇āϰ āĻĢāϞ⧇ āĻĒā§āϰāϤāĻŋāĻˇā§āĻ āĻŋāϤ āĻšā§Ÿā§‡āϛ⧇ āĻ…āĻ¨ā§āϤāĻ°ā§āĻŦāĻ°ā§āϤ⧀āĻ•āĻžāϞ⧀āύ āϏāϰāĻ•āĻžāϰāĨ¤ āĻŽāĻžāύāĻ¨ā§€ā§Ÿ āĻĒā§āϰāϧāĻžāύ āωāĻĒāĻĻ⧇āĻˇā§āϟāĻžāϰ āĻĻāĻžā§ŸāĻŋāĻ¤ā§āĻŦ⧇ āĻ°ā§Ÿā§‡āϛ⧇āύ āĻļāĻžāĻ¨ā§āϤāĻŋāϤ⧇ āύ⧋āĻŦ⧇āϞāĻœā§Ÿā§€ āĻŦāĻŋāĻļā§āĻŦāĻŦāϰ⧇āĻŖā§āϝ āĻŦā§āϝāĻ•ā§āϤāĻŋāĻ¤ā§āĻŦ āĻĒā§āϰāĻĢ⧇āϏāϰ āĻĄ. āĻŽā§āĻšāĻžāĻŽā§āĻŽāĻĻ āχāωāύ⧂āϏāĨ¤ āĻŦāĻŋāĻ—āϤ āĻ•ā§Ÿā§‡āĻ• āĻĻāĻļāϕ⧇ āĻĻāĻžāϰāĻŋāĻĻā§āĻ°ā§āϝāĻŽā§āĻ•ā§āϤāĻŋāϰ āϞāĻ•ā§āĻˇā§āϝ⧇ āωāĻĻā§āĻ­āĻžāĻŦāύ⧀ āĻĒāĻĻāϝāĻžāĻ¤ā§āϰāĻžā§Ÿ āĻ•ā§āώ⧁āĻĻā§āϰ āĻ…āĻ°ā§āĻĨāĻžā§Ÿāύ⧇āϰ āĻĒā§āϰāĻŦāĻ•ā§āϤāĻž āĻšāĻŋāϏāĻžāĻŦ⧇ āϤāĻŋāύāĻŋ āύāĻŋāĻœā§‡āϰ āĻ…āĻŦāĻ¸ā§āĻĨāĻžāύāϕ⧇ āϏ⧁āĻĻā§ƒā§ āĻ•āϰ⧇āϛ⧇āύāĨ¤ āύāĻžāϰ⧀āϰ āĻ•ā§āώāĻŽāϤāĻžā§Ÿāύ, āύāĻžāϰ⧀ āωāĻ¨ā§āύ⧟āύ āĻāĻŦāĻ‚ āĻ…āĻĒ⧇āĻ•ā§āώāĻžāĻ•ā§ƒāϤ āĻ…āĻŦāĻšā§‡āϞāĻŋāϤ āύāĻžāϰ⧀āĻļāĻ•ā§āϤāĻŋāϰ āĻ¸ā§āĻŦāϰ⧂āĻĒ āωāĻ¨ā§āĻŽā§‹āϚāύ⧇ āĻŦāĻŋāϰāϞ āĻĻ⧃āĻˇā§āϟāĻžāĻ¨ā§āϤ āĻ¸ā§āĻĨāĻžāĻĒāύ āĻ•āϰāϤ⧇ āϏāĻ•ā§āώāĻŽ āĻšā§Ÿā§‡āϛ⧇āύāĨ¤ āϤāĻžāϰ āĻļā§‚āĻ¨ā§āϝ āĻĻāĻžāϰāĻŋāĻĻā§āĻ°ā§āϝ, āĻļā§‚āĻ¨ā§āϝ āĻŦ⧇āĻ•āĻžāϰāĻ¤ā§āĻŦ āĻ“ āĻļā§‚āĻ¨ā§āϝ āĻ•āĻžāĻ°ā§āĻŦāύ āύāĻŋāσāϏāϰāĻŖ āĻĒā§āϰāĻ¤ā§āĻ¯ā§Ÿā§‡āϰ āĻ…āύ⧁āĻĒā§āϰ⧇āϰāĻŖāĻžā§Ÿ āĻŦāĻŋāĻļā§āĻŦ⧇āϰ āϤāϰ⧁āĻŖ āĻĒā§āϰāϜāĻ¨ā§āĻŽ āωāĻœā§āĻœā§€āĻŦāĻŋāϤāĨ¤

Soft Microfinance, a Welfare Financing

Microfinance has been hailed as a powerful tool for alleviating poverty, empowering low-income populations and promoting financial inclusion, particularly in underdeveloped and developing economies. It provides small loans and financial services to low-income individuals who lack access to traditional banking systems. While traditional microfinance has some limitations (as those institutions often charge high, double-digit interest rates to cover operational costs), soft microfinance can be a more humane and sustainable approach to micro-financing, which gives emphasis on borrowers’ welfare and social development instead of profit maximisation. This type of microfinance is mainly designed to facilitate the most vulnerable borrowers, such as the low income people who have very limited repayment capacity.

āĻŽā§‚āĻ˛ā§āϝāĻ¸ā§āĻĢā§€āϤāĻŋ āύāĻŋ⧟āĻ¨ā§āĻ¤ā§āϰāĻŖāχ āϏāĻŦāĻšā§‡ā§Ÿā§‡ āĻŦ⧜ āĻšā§āϝāĻžāϞ⧇āĻžā§āϜ

āĻ—āϤ ā§Ģ āφāĻ—āĻ¸ā§āϟ āϰāĻžāĻˇā§āĻŸā§āϰāĻ•ā§āώāĻŽāϤāĻžāϰ āĻĒāĻžāϞāĻžāĻŦāĻĻāϞ⧇āϰ āĻĒāϰ āĻāĻ• āĻŦāĻŋāĻļ⧇āώ āĻĒā§āϰ⧇āĻ•ā§āώāĻžāĻĒāĻŸā§‡ āĻ…āĻ¨ā§āϤāĻ°ā§āĻŦāĻ°ā§āϤ⧀āĻ•āĻžāϞ⧀āύ āϏāϰāĻ•āĻžāϰ āĻĻāĻžā§ŸāĻŋāĻ¤ā§āĻŦ āĻ—ā§āϰāĻšāϪ⧇āϰ āĻĒāϰ āĻāĻ–āύ⧋ āϤāĻŋāύ āĻŽāĻžāϏāĻ“ āĻ—āϤ āĻšā§ŸāύāĻŋāĨ¤ āĻ•āĻžāĻœā§‡āχ āĻ āĻ…āĻŦāĻ¸ā§āĻĨāĻžā§Ÿ āĻāχ āϏāϰāĻ•āĻžāϰ⧇āϰ āϏāĻžāĻĢāĻ˛ā§āϝ-āĻŦā§āϝāĻ°ā§āĻĨāϤāĻž āύāĻŋā§Ÿā§‡ āϚ⧁āϞāĻšā§‡āϰāĻž āĻŦāĻŋāĻļā§āϞ⧇āώāĻŖ āĻ•āϰāĻž āϏāĻŽā§āĻ­āĻŦ āύ⧟āĨ¤

āωāĻ¨ā§āύ⧟āύ āĻ¤ā§āĻŦāϰāĻžāĻ¨ā§āĻŦāĻŋāϤ āĻ•āϰāϤ⧇ āĻ…āĻ°ā§āĻĨāύ⧈āϤāĻŋāĻ• āϕ⧂āϟāύ⧀āϤāĻŋāϰ āĻŦāĻŋāĻ•āĻ˛ā§āĻĒ āύ⧇āχ

āĻĒāϰāĻŋāĻŦāĻ°ā§āϤāĻŋāϤ āϰāĻžāϜāύ⧈āϤāĻŋāĻ• āĻĒāϰāĻŋāĻĒā§āϰ⧇āĻ•ā§āώāĻŋāϤ⧇ āĻĻ⧇āĻļ⧇āϰ āĻ…āĻ°ā§āĻĨāύ⧈āϤāĻŋāĻ• āωāĻ¨ā§āύ⧟āύ āύāĻŋā§Ÿā§‡ āύāϤ⧁āύ āĻ•āϰ⧇ āϚāĻŋāĻ¨ā§āϤāĻž-āĻ­āĻžāĻŦāύāĻžāϰ āϏāĻŽā§Ÿ āĻāϏ⧇āϛ⧇āĨ¤ āĻŦāĻŋāĻĻāĻžā§ŸāĻŋ āϏāϰāĻ•āĻžāϰ⧇āϰ āĻ¸ā§āĻŦ⧇āĻšā§āĻ›āĻžāϚāĻžāϰ⧀ āĻļāĻžāϏāύ⧇āϰ āĻĢāϞ⧇ āĻĻ⧇āĻļ⧇āϰ āĻ…āĻ°ā§āĻĨāύ⧀āϤāĻŋ āĻāĻŦāĻ‚ āϏāĻžāĻŽāĻžāϜāĻŋāĻ• āĻ…āĻŦāĻ¸ā§āĻĨāĻž āĻŦāĻŋāĻĒāĻ°ā§āĻ¯ā§Ÿā§‡āϰ āĻŽā§āϖ⧇ āĻāϏ⧇ āĻĻāĻžāρ⧜āĻŋā§Ÿā§‡āϛ⧇āĨ¤ āωāĻ¨ā§āύ⧟āύ⧇āϰ āĻĢāĻžāρāĻ•āĻž āĻŦ⧁āϞāĻŋ āĻāĻ–āύ āĻĻāĻŋāĻŦāĻžāϞ⧋āϕ⧇āϰ āĻŽāϤ⧋ āĻ¸ā§āĻĒāĻˇā§āϟ āĻšā§Ÿā§‡ āωāĻ āϛ⧇āĨ¤ āĻāĻ• āĻŦāĻŋāĻļ⧇āώ āĻĒāϰāĻŋāĻ¸ā§āĻĨāĻŋāϤāĻŋāϤ⧇ āĻļāĻŋāĻ•ā§āώāĻžāĻ°ā§āĻĨā§€āĻĻ⧇āϰ āφāĻ¨ā§āĻĻā§‹āϞāύ⧇āϰ āĻŽā§āϖ⧇ āϏāĻžāĻŦ⧇āĻ• āĻĒā§āϰāϧāĻžāύāĻŽāĻ¨ā§āĻ¤ā§āϰ⧀ āĻļ⧇āĻ– āĻšāĻžāϏāĻŋāύāĻž āĻĒāĻĻāĻ¤ā§āϝāĻžāĻ— āĻ•āϰ⧇ āĻĻ⧇āĻļāĻžāĻ¨ā§āϤāϰāĻŋāϤ āĻšā§Ÿā§‡āϛ⧇āύāĨ¤ āĻāϰāĻĒāϰ āĻŦāĻŋāĻļāĻŋāĻˇā§āϟ āĻ…āĻ°ā§āĻĨāύ⧀āϤāĻŋāĻŦāĻŋāĻĻ āĻ“ āĻļāĻžāĻ¨ā§āϤāĻŋāϤ⧇ āύ⧋āĻŦ⧇āϞ āĻŦāĻŋāĻœā§Ÿā§€ āĻĒā§āϰāĻĢ⧇āϏāϰ āĻĄ. āĻŽā§āĻšāĻžāĻŽā§āĻŽāĻĻ āχāωāύ⧂āϏ āĻ…āĻ¨ā§āϤāĻ°ā§āĻŦāĻ°ā§āϤ⧀ āϏāϰāĻ•āĻžāϰ⧇āϰ āĻĒā§āϰāϧāĻžāύ āĻšāĻŋāϏāĻžāĻŦ⧇ āĻĻāĻžā§ŸāĻŋāĻ¤ā§āĻŦ āĻ—ā§āϰāĻšāĻŖ āĻ•āϰ⧇āϛ⧇āύāĨ¤