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Sunday, March 27, 2011

Re: [chottala.com] Need help for Genetic engineering dept. , CU



My best wishes and blessings in all your good efforts.

Warm wishes.

Abdul Mannan

On Mon, Mar 28, 2011 at 8:54 AM, GMCHY <gmchy@youngone.co.kr> wrote:
 

Dear Sir

Hope you are well .Nice to hear you . We really passed a good time  in CU at your tenure .Despite the  limited opportunity we will try our label best to do something for our beloved University of Chittagong . Where we passed some golden time with you.I think Its not only a University but also  national heritage where every nature loving people easily hypnotize by its surrounding natural beauty.
I hereby requested  to my Local & overseas friends to honour the  bellow msg of  Mannan Sir.

May Allah bless you

Best Regards
Mostafa
Ex- Student
Department of History
University of Chittagong 




At 07:55 PM 3/27/2011, Abdul Mannan wrote:

 

When I was the VC of CU, I approaced Mr. Sufi Mizan of PHP group for some computers. He gave me  20 that I placed in the Library Computer lab. That was the first computer lab of CU. Getting 20-30 computers for CU from the business community of Chittaogong should not be difficult. VC just needs to make few calls. The former students of CU living outside should also do something on this.
 
Warm wishes.
 
Prof. Abdul Mannan
Former VC, CU.

On Fri, Mar 25, 2011 at 9:24 PM, adnan mannan <adnan_mannan@hotmail.com > wrote:
 

Dear members,
Hello and Salam!
I am happy to inform you about a very modern and enthusiatic department of University of Chittagong. That is Genetic Engineering & biotechnology. The top 20 students among 25000 candidates of admission test get chance in this dept. Our students got Champion award in Inter University Science project presentation competition. Most of our senior students recently got International scholarships from USA, UK, Canada, Japan. Genetic Engineering Dept. became champion in National Inter University Biotechnology Olympiad contest.
Presently faculty members and students are doing research work on Genetic diseases (Thalassemia, Diabetes), mutation of microorganisms, soil bacteria, Antibiotic resistance in Bangladesh and genetically modified variety of plants (Strawberry, canola, tea, rice).
The greatest area of our research work is Bioinformatics. Most of our courses are based on computer, IT  and softwares. But we cannot teach them properly due to lack of computer lab. We don't have any computer lab. And dont have enough fund for that. We would be honoured if we get any sponsorship for IT lab for our study and research work. Recently many corporate institutions are sponsoring this kind of labs as a part of their CSR (Corporate social responsibility).
Is it possible for any of you helping us regarding this lab. We need nearly 25- 30 computers. Our students are being deprived of very latest education due to lack of computers. Many of them are from poor family. So they can't manage that much of money to use internet regularly.
We need your help as a Chittagonian. Promote CU, Promote Chittagong.

Thanks,
Adnan Mannan
Lecturer
Dept. of Genetic Engineering & Biotechnology
University of Chittagong

>
> Introduction: Dr. Mohammad Yunus is again the headline news
> of the World media with great honor. He drew the global
> attention for his visionary movement of supporting the
> poorest and most fragile class of the world through
> micro-credit,  and gave millions of women all over the
> globe self respect and confidence. Again he has become the
> global news headlines of late as the Head of  government
> of his own country spearheaded a vicious campaign to
> dislodge him from the very institution that he created and
> nurtured over the past 28 years, that brought immense fame
> and glory to our motherland unlike anyone else ever did.
>
>
>
> After calling Prof. Yunus in derogatory names, and when the
> government could not pin any blame for corruption or
> mismanagement of funds on him, the Prime Minister Mrs.
> Sheikh Hasina directed the Bangladesh Bank to relieve Prof.
> Yunus of his position of Managing Director of the Grameen
> Bank on age issue,  required for mandatory retirement of
> Government officials.
>
>
>
> Gramen Bank is not government owned bank!! The board of
> directors of the Grameen Bank and Dr. Yunus have
> separately challenged the government action in
> the high court, and a judgment is expected this coming
> Sunday. It is a well known fact and we have seen this in
> the past two years how politicized the Judiciary has become,
> and there will be no surprise if the High Court verdict is
> coerced to support the the government decision.
>
>
>
> In the current situation, numerous countries
> including the US, EU, China, Islamic and other third
> world countries and various global leaders have expressed
> their dismay and deep concern for the mistreatment
> of the sole Bangladeshi noble laureate. It is interesting
> to note that we are yet to see any immediate reaction of
> the Indian Government!!
>
>
>
> US Secretary of states Hilary Clinton has invited
> Dr.Yunus to meet with her in Washington DC on 8th
> March.  There were discussions about World Bank
> and several other countries  forming a micro-credit
> Bank, and Professor Yunus' name was mentioned as
> possible Head of it's management or the Board.
>
>
>
> We have seen from the media report the reaction of the US
> ambassador Jim Moriarty after his meeting with the Finance
> Minister Mr. Muhit that the US Government is very much
> concerned with this development,  and we understand it was
> also conveyed to the government in no uncertain terms all
> the support given to the Awami League enabling them to come
> to power during the last election.  Yet our Foreign
> Minister, Ms. Dipu Moni tells the media the next day that
> she does not expect this incident to have any bearing in
> the US-Bangladesh relationship according to Daily Ittefaq.
>
>
>
>
> There were plan to have a significant partnership with
> General Electric and Grameen in the healthcare area,  and
> it was expected that Mrs. Clinton was planning to attend the
> signing event along with Prime Minister Sheikh Hasina. Now
> with this new development, it is unlikely that Mrs. Clinton
> will travel to Dhaka, and we will not be surprised if the
> entire deal unravels.
>
>
>
> Opinion with little analysis: Grameen Bank and Dr. Yunus is
> a regular news headline since March 2nd, 2011 in Bangladesh
> and abroad. Reports are based on the facts of the
> government's action and the legal affairs of the Grameen
> Bank. I am of the same opinion with the analysts who focus
> the entire operation of Sheikh Hasina as absolute political
> and her personal interest based on sheer bias and hatred.
> That politics has both a national and international
> overtone. Hasina loves to enjoy the unchallenged and safe
> kingdom where she will remain in permanent premiership with
> none to question her authority, and her son Sajib to follow
> her after her passing. She is the sole agent of Indian power
> in Wajed Joy Bangladesh where United States of America, EU,
> Muslim states and China-Russia will keep continue the
> relation with her through Delhi government. No one should
> desire the independent relation with Bangladesh. India needs
> Bangladesh under absolute domination as their buffer state
> and in future as it`s part in Indian map as it was before
> 1947...Hasina acts as if she prefers that Indian blueprint.
>
>
>
> Sheikh Hasina has been ignoring to implement her commitment
> with the United States and playing as a political film
> gangster with the State department of U.S. She has been
> enjoying American support but serving Indian
> government interest far more then their expectations,  as
> confirmed by the New Delhi sources.  All her fake
> faces and games have now been exposed to the US
> Administration. Her blackmailing and dirty gambling are
> also well known to China and the Muslim Countries long time
> ago.
>
>
>
> Let`s go for short points of Circumstances:
>
> (1) Dr. Yunus contributed to tie up the close relation of
> Sheikh Hasina with the US government and their main policy
> makers, and arranged the US blessings for her and played
> vital role to elect her as premier with absolute
> majority in the national election in 2008.
>
> (2) For the growing economy in Asia-Pacific region
> Bangladesh deserves strategic priority for its geo-political
> location. In that perspective United States decided to pick
> Hasina to serve their interests in Bangladesh. But she has
> been serving absolutely Indian interests, black mailing the
> US supports and confronting Bangladeshi interests of
> military security and economic interests in inside and
> abroad nakedly. That gradually has turned their relationship
> cold and growing far apart.
>
> (3) Hasina is desperate to continue her loyalty with family
> and party followers to Indians as she believes RAW has
> brought her in    power and guides her in political and
> administrative designs. RAW for the first time manipulated
> the national election process of Bangladesh successfully
> and presented her a glorious victory.
>
> (4) RAW already set up base network with payroll agents
> 260000 and 6326 are from so called educated group, out of
> total agents 64970.These operatives are active from
> capital city to Upazillas across the country.
>
> (5) United States of America might support Dr. Mohammad
> Yunus as their next choice in Bangladeshi government or set
> him up as a staring adviser to future government as Hasina
> doubt lingers. Whereas she is dreaming to see her son S W
> Joy to follow her in    premiership after her retirement
> or passage. Because of this plan, she has already ousted
> the heavyweight leaders from Awami league leadership and
> has brought RAW listed operatives in key position of the
> government, like Dipu Moni. et al.
>
> (6) Dr. Yunus might be the next alternative who proved
> himself as the model of honesty and an all rounder
> leadership and highly    respected throughout the world.
> BNP is painted as loyalist party to the Muslims and Fanatic
> Islamic group and Zia family lost    maximum of
> credibility in leadership for many reasons. The architect
> Army officers of one / eleven in Bangladesh might
> dramatically    sell their support as they did in the
> past though still their position is in the same as it was
> with India after a dramatic monetary deal    of almost
> $11 million US dollars as Delhi sourced.
>
> (7) Prime Minister and her son have been planning to grab
> Grameen Bank`s ownership where as Dr. Mohammad Yunus is
> the major obstacle for them with his managing capacity and
> global reputation.
>
> (8) Mr. Joy was found masked in Indian Airlines where he
> was disguised with the dress of Shikh before he got down
> from in Dhaka International Airport during Sheikh Hasina`s
> premiership that was witnessed by two European diplomats.
> Two faces of one VIP    passenger who appeared as mafia
> and special protocol that was provided by the Indian
> security Marshalls caused embarrassment    to the
> diplomats. However, such suspicious movement of Youngman Joy
> who has been privileged from the highest authorities of 
>  both India and Bangladesh that was enough to frustrate
> them, undoubtedly.
>
> (9) Mr. Joi also attended an IT conference in Bangalore
> last year, and made an under the table deal to enable
> Bharti Airtel to come to Bangladesh,  and currently
> acting as their local Agent and has pocketed handsome amount
> paving their way to Bangladesh. He is now involved with
> them in the second undersea fiber optic line,  and also
> making sure they do not need to participate in the
> 2G auction with Grameen Phone and other operators.
>
> (10) In the recently held Telecom conference in Barcelona,
> Mr. Joi met privately with the CEO's of several
> Bangladesh Telecom    Operators "privately" to
> negotiate the upcoming 2G auction, and how they
> might leverage his "Consulting Services."
>
> (11) Mr. Joi,  as the so-called self declared IT expert
> and IT Advisor to the Bangladesh Prime Minister is also
> very proactive to find    a partner, who can refine the
> requirement for a Satellite and develop and sell it to
> Bangladesh, by making him "Happy." He has
> a front man, named Mr... Rick Rahim from Virginia, USA,
> who acts on his behalf in all such deals!!
>
> (12) Mr. Joi also joined Mummy Prime Minister during her
> trip to China in 2010,  but was busy meeting privately with
> clients who    later submitted bids for the Padma bridge
> and other Ministry of Communications and the Ministry of
> Energy Tenders. He made sure    all Chinese clients
> understood, that they make him Happy, if they wish to win
> any tender bids in Bangladesh while AL in power.
>
> (13) Mr. Joi was also instrumental in facilitating the sale
> of military hardware to Bangladesh Defense forces from
> Ukraine and    Russia, and in return they made him a
> Happy Man for his highly successful Consulting
> Services!!
>
>
>
> However, India, as it aims to be a growing super power and
> it is greedy to bring the weak neighbor Bangladesh under her
> dominion. They have selected the moment to conflict US
> interests in Bangladesh as US is engaged in the Middle-East
> and African turmoil. Interesting fact is that
> China-USA-Muslim world and European Union don`t accept
> Indian control over Bangladesh, and India wants an absolute
> control over Bangladesh for the need of the Deep Sea Port
> and transit through Bangladesh to its Eastern Provinces.
> As done with the BDR shortly after her ascension to power,
> this latest episode with Dr. Yunus is part of a deliberate
> attempt on the AL Government to ensure there will be no one
> of world stature available to critique its eveil design in
> Bangladesh...  All Military officials who had questioned the
> Prime Minister after the BDR massacre, were quietly removed
> from the Services and put to Jail and they are still in
> solitary confinement.
>
>
>
> Conclusion: Professor Mohammad Yunus was awarded the Noble
> prize for Peace as Mother Teresa, Nelson Mandela and Martin
> Luther King Jr. He is not a follower to any
> political leader... Prime Minister of Bangladesh and her
> political party have been campaigning for long time against
> Prof. Yunus. Dr. Yunus was targeted by the Marxist political
> groups, then after the Muslim fundamentalists for his
> micro-credit concept to give emancipation to the women and
> to the poor.  Now finally our Sheikh Hasina is after him,
> because she felt that she should be the rightful candidate
> to win the Peace prize after her work in the Tribal area.
> There should be a limit to political vendetta and personal
> animosity,  and this should not be hatched at the expense
> of the country. Had Dr. Yunus wanted,  he could be the
> Prime Minister of Bangladesh today,  with full local and
> international support. But he simply wanted to serve his
> country and help the poor people of the world so they could
> live a dignity and self respect.
>
>
>
> (The Writer is a free-lancer Journalist and analyst of
> global politics.
>
> E-mail: azmnyc@gmail.com;
>
> rivercrossinternational@yahoo.com),
> and
>
> Sattabadi@yahoo.com
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>




--
_________________________________
Abdul Mannan
Professor
School of Business
University of Liberal Arts Bangladesh
House # 56, Road # 4/A
Dhanmondi R/A, Dhaka-1209
Bangladesh.
BDT=GMT +6
Working Days Sunday-Thursday
E-mail: abman1971@gmail.com
  http://www.ulab.edu.bd




--
_________________________________
Abdul Mannan
Professor
School of Business
University of Liberal Arts Bangladesh
House # 56, Road # 4/A
Dhanmondi R/A, Dhaka-1209
Bangladesh.
BDT=GMT +6
Working Days Sunday-Thursday
E-mail: abman1971@gmail.com
 http://www.ulab.edu.bd



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Re: [chottala.com] Need help for Genetic engineering dept. , CU



Dear Sir

Hope you are well .Nice to hear you . We really passed a good time  in CU at your tenure .Despite the  limited opportunity we will try our label best to do something for our beloved University of Chittagong . Where we passed some golden time with you.I think Its not only a University but also  national heritage where every nature loving people easily hypnotize by its surrounding natural beauty.
I hereby requested  to my Local & overseas friends to honour the  bellow msg of  Mannan Sir.

May Allah bless you

Best Regards
Mostafa
Ex- Student
Department of History
University of Chittagong 




At 07:55 PM 3/27/2011, Abdul Mannan wrote:
 

When I was the VC of CU, I approaced Mr. Sufi Mizan of PHP group for some computers. He gave me  20 that I placed in the Library Computer lab. That was the first computer lab of CU. Getting 20-30 computers for CU from the business community of Chittaogong should not be difficult. VC just needs to make few calls. The former students of CU living outside should also do something on this.
 
Warm wishes.
 
Prof. Abdul Mannan
Former VC, CU.

On Fri, Mar 25, 2011 at 9:24 PM, adnan mannan <adnan_mannan@hotmail.com > wrote:
 

Dear members,
Hello and Salam!
I am happy to inform you about a very modern and enthusiatic department of University of Chittagong. That is Genetic Engineering & biotechnology. The top 20 students among 25000 candidates of admission test get chance in this dept. Our students got Champion award in Inter University Science project presentation competition. Most of our senior students recently got International scholarships from USA, UK, Canada, Japan. Genetic Engineering Dept. became champion in National Inter University Biotechnology Olympiad contest.
Presently faculty members and students are doing research work on Genetic diseases (Thalassemia, Diabetes), mutation of microorganisms, soil bacteria, Antibiotic resistance in Bangladesh and genetically modified variety of plants (Strawberry, canola, tea, rice).
The greatest area of our research work is Bioinformatics. Most of our courses are based on computer, IT  and softwares. But we cannot teach them properly due to lack of computer lab. We don't have any computer lab. And dont have enough fund for that. We would be honoured if we get any sponsorship for IT lab for our study and research work. Recently many corporate institutions are sponsoring this kind of labs as a part of their CSR (Corporate social responsibility).
Is it possible for any of you helping us regarding this lab. We need nearly 25- 30 computers. Our students are being deprived of very latest education due to lack of computers. Many of them are from poor family. So they can't manage that much of money to use internet regularly.
We need your help as a Chittagonian. Promote CU, Promote Chittagong.

Thanks,
Adnan Mannan
Lecturer
Dept. of Genetic Engineering & Biotechnology
University of Chittagong

>
> Introduction: Dr. Mohammad Yunus is again the headline news
> of the World media with great honor. He drew the global
> attention for his visionary movement of supporting the
> poorest and most fragile class of the world through
> micro-credit,  and gave millions of women all over the
> globe self respect and confidence. Again he has become the
> global news headlines of late as the Head of  government
> of his own country spearheaded a vicious campaign to
> dislodge him from the very institution that he created and
> nurtured over the past 28 years, that brought immense fame
> and glory to our motherland unlike anyone else ever did.
>
>
>
> After calling Prof. Yunus in derogatory names, and when the
> government could not pin any blame for corruption or
> mismanagement of funds on him, the Prime Minister Mrs.
> Sheikh Hasina directed the Bangladesh Bank to relieve Prof.
> Yunus of his position of Managing Director of the Grameen
> Bank on age issue,  required for mandatory retirement of
> Government officials.
>
>
>
> Gramen Bank is not government owned bank!! The board of
> directors of the Grameen Bank and Dr. Yunus have
> separately challenged the government action in
> the high court, and a judgment is expected this coming
> Sunday. It is a well known fact and we have seen this in
> the past two years how politicized the Judiciary has become,
> and there will be no surprise if the High Court verdict is
> coerced to support the the government decision.
>
>
>
> In the current situation, numerous countries
> including the US, EU, China, Islamic and other third
> world countries and various global leaders have expressed
> their dismay and deep concern for the mistreatment
> of the sole Bangladeshi noble laureate. It is interesting
> to note that we are yet to see any immediate reaction of
> the Indian Government!!
>
>
>
> US Secretary of states Hilary Clinton has invited
> Dr.Yunus to meet with her in Washington DC on 8th
> March.  There were discussions about World Bank
> and several other countries  forming a micro-credit
> Bank, and Professor Yunus' name was mentioned as
> possible Head of it's management or the Board.
>
>
>
> We have seen from the media report the reaction of the US
> ambassador Jim Moriarty after his meeting with the Finance
> Minister Mr. Muhit that the US Government is very much
> concerned with this development,  and we understand it was
> also conveyed to the government in no uncertain terms all
> the support given to the Awami League enabling them to come
> to power during the last election.  Yet our Foreign
> Minister, Ms. Dipu Moni tells the media the next day that
> she does not expect this incident to have any bearing in
> the US-Bangladesh relationship according to Daily Ittefaq.
>
>
>
>
> There were plan to have a significant partnership with
> General Electric and Grameen in the healthcare area,  and
> it was expected that Mrs. Clinton was planning to attend the
> signing event along with Prime Minister Sheikh Hasina. Now
> with this new development, it is unlikely that Mrs. Clinton
> will travel to Dhaka, and we will not be surprised if the
> entire deal unravels.
>
>
>
> Opinion with little analysis: Grameen Bank and Dr. Yunus is
> a regular news headline since March 2nd, 2011 in Bangladesh
> and abroad. Reports are based on the facts of the
> government's action and the legal affairs of the Grameen
> Bank. I am of the same opinion with the analysts who focus
> the entire operation of Sheikh Hasina as absolute political
> and her personal interest based on sheer bias and hatred.
> That politics has both a national and international
> overtone. Hasina loves to enjoy the unchallenged and safe
> kingdom where she will remain in permanent premiership with
> none to question her authority, and her son Sajib to follow
> her after her passing. She is the sole agent of Indian power
> in Wajed Joy Bangladesh where United States of America, EU,
> Muslim states and China-Russia will keep continue the
> relation with her through Delhi government. No one should
> desire the independent relation with Bangladesh. India needs
> Bangladesh under absolute domination as their buffer state
> and in future as it`s part in Indian map as it was before
> 1947...Hasina acts as if she prefers that Indian blueprint.
>
>
>
> Sheikh Hasina has been ignoring to implement her commitment
> with the United States and playing as a political film
> gangster with the State department of U.S. She has been
> enjoying American support but serving Indian
> government interest far more then their expectations,  as
> confirmed by the New Delhi sources.  All her fake
> faces and games have now been exposed to the US
> Administration. Her blackmailing and dirty gambling are
> also well known to China and the Muslim Countries long time
> ago.
>
>
>
> Let`s go for short points of Circumstances:
>
> (1) Dr. Yunus contributed to tie up the close relation of
> Sheikh Hasina with the US government and their main policy
> makers, and arranged the US blessings for her and played
> vital role to elect her as premier with absolute
> majority in the national election in 2008.
>
> (2) For the growing economy in Asia-Pacific region
> Bangladesh deserves strategic priority for its geo-political
> location. In that perspective United States decided to pick
> Hasina to serve their interests in Bangladesh. But she has
> been serving absolutely Indian interests, black mailing the
> US supports and confronting Bangladeshi interests of
> military security and economic interests in inside and
> abroad nakedly. That gradually has turned their relationship
> cold and growing far apart.
>
> (3) Hasina is desperate to continue her loyalty with family
> and party followers to Indians as she believes RAW has
> brought her in    power and guides her in political and
> administrative designs. RAW for the first time manipulated
> the national election process of Bangladesh successfully
> and presented her a glorious victory.
>
> (4) RAW already set up base network with payroll agents
> 260000 and 6326 are from so called educated group, out of
> total agents 64970.These operatives are active from
> capital city to Upazillas across the country.
>
> (5) United States of America might support Dr. Mohammad
> Yunus as their next choice in Bangladeshi government or set
> him up as a staring adviser to future government as Hasina
> doubt lingers. Whereas she is dreaming to see her son S W
> Joy to follow her in    premiership after her retirement
> or passage. Because of this plan, she has already ousted
> the heavyweight leaders from Awami league leadership and
> has brought RAW listed operatives in key position of the
> government, like Dipu Moni. et al.
>
> (6) Dr. Yunus might be the next alternative who proved
> himself as the model of honesty and an all rounder
> leadership and highly    respected throughout the world.
> BNP is painted as loyalist party to the Muslims and Fanatic
> Islamic group and Zia family lost    maximum of
> credibility in leadership for many reasons. The architect
> Army officers of one / eleven in Bangladesh might
> dramatically    sell their support as they did in the
> past though still their position is in the same as it was
> with India after a dramatic monetary deal    of almost
> $11 million US dollars as Delhi sourced.
>
> (7) Prime Minister and her son have been planning to grab
> Grameen Bank`s ownership where as Dr. Mohammad Yunus is
> the major obstacle for them with his managing capacity and
> global reputation.
>
> (8) Mr. Joy was found masked in Indian Airlines where he
> was disguised with the dress of Shikh before he got down
> from in Dhaka International Airport during Sheikh Hasina`s
> premiership that was witnessed by two European diplomats.
> Two faces of one VIP    passenger who appeared as mafia
> and special protocol that was provided by the Indian
> security Marshalls caused embarrassment    to the
> diplomats. However, such suspicious movement of Youngman Joy
> who has been privileged from the highest authorities of 
>  both India and Bangladesh that was enough to frustrate
> them, undoubtedly.
>
> (9) Mr. Joi also attended an IT conference in Bangalore
> last year, and made an under the table deal to enable
> Bharti Airtel to come to Bangladesh,  and currently
> acting as their local Agent and has pocketed handsome amount
> paving their way to Bangladesh. He is now involved with
> them in the second undersea fiber optic line,  and also
> making sure they do not need to participate in the
> 2G auction with Grameen Phone and other operators.
>
> (10) In the recently held Telecom conference in Barcelona,
> Mr. Joi met privately with the CEO's of several
> Bangladesh Telecom    Operators "privately" to
> negotiate the upcoming 2G auction, and how they
> might leverage his "Consulting Services."
>
> (11) Mr. Joi,  as the so-called self declared IT expert
> and IT Advisor to the Bangladesh Prime Minister is also
> very proactive to find    a partner, who can refine the
> requirement for a Satellite and develop and sell it to
> Bangladesh, by making him "Happy." He has
> a front man, named Mr... Rick Rahim from Virginia, USA,
> who acts on his behalf in all such deals!!
>
> (12) Mr. Joi also joined Mummy Prime Minister during her
> trip to China in 2010,  but was busy meeting privately with
> clients who    later submitted bids for the Padma bridge
> and other Ministry of Communications and the Ministry of
> Energy Tenders. He made sure    all Chinese clients
> understood, that they make him Happy, if they wish to win
> any tender bids in Bangladesh while AL in power.
>
> (13) Mr. Joi was also instrumental in facilitating the sale
> of military hardware to Bangladesh Defense forces from
> Ukraine and    Russia, and in return they made him a
> Happy Man for his highly successful Consulting
> Services!!
>
>
>
> However, India, as it aims to be a growing super power and
> it is greedy to bring the weak neighbor Bangladesh under her
> dominion. They have selected the moment to conflict US
> interests in Bangladesh as US is engaged in the Middle-East
> and African turmoil. Interesting fact is that
> China-USA-Muslim world and European Union don`t accept
> Indian control over Bangladesh, and India wants an absolute
> control over Bangladesh for the need of the Deep Sea Port
> and transit through Bangladesh to its Eastern Provinces.
> As done with the BDR shortly after her ascension to power,
> this latest episode with Dr. Yunus is part of a deliberate
> attempt on the AL Government to ensure there will be no one
> of world stature available to critique its eveil design in
> Bangladesh...  All Military officials who had questioned the
> Prime Minister after the BDR massacre, were quietly removed
> from the Services and put to Jail and they are still in
> solitary confinement.
>
>
>
> Conclusion: Professor Mohammad Yunus was awarded the Noble
> prize for Peace as Mother Teresa, Nelson Mandela and Martin
> Luther King Jr. He is not a follower to any
> political leader... Prime Minister of Bangladesh and her
> political party have been campaigning for long time against
> Prof. Yunus. Dr. Yunus was targeted by the Marxist political
> groups, then after the Muslim fundamentalists for his
> micro-credit concept to give emancipation to the women and
> to the poor.  Now finally our Sheikh Hasina is after him,
> because she felt that she should be the rightful candidate
> to win the Peace prize after her work in the Tribal area.
> There should be a limit to political vendetta and personal
> animosity,  and this should not be hatched at the expense
> of the country. Had Dr. Yunus wanted,  he could be the
> Prime Minister of Bangladesh today,  with full local and
> international support. But he simply wanted to serve his
> country and help the poor people of the world so they could
> live a dignity and self respect.
>
>
>
> (The Writer is a free-lancer Journalist and analyst of
> global politics.
>
> E-mail: azmnyc@gmail.com;
>
> rivercrossinternational@yahoo.com),
> and
>
> Sattabadi@yahoo.com
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>




--
_________________________________
Abdul Mannan
Professor
School of Business
University of Liberal Arts Bangladesh
House # 56, Road # 4/A
Dhanmondi R/A, Dhaka-1209
Bangladesh.
BDT=GMT +6
Working Days Sunday-Thursday
E-mail: abman1971@gmail.com
  http://www.ulab.edu.bd



__._,_.___


[* Moderator's Note - CHOTTALA is a non-profit, non-religious, non-political and non-discriminatory organization.

* Disclaimer: Any posting to the CHOTTALA are the opinion of the author. Authors of the messages to the CHOTTALA are responsible for the accuracy of their information and the conformance of their material with applicable copyright and other laws. Many people will read your post, and it will be archived for a very long time. The act of posting to the CHOTTALA indicates the subscriber's agreement to accept the adjudications of the moderator]




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Re: [chottala.com] Re: To our respected Teachers!

Respected Teahers are needed to be honest in speaking teaching and writing.
Respected Teachers are needed to be sincere in learnig and knowing the truth for making knowlege learning resouces for the nation.

--- On Sun, 27/3/11, Tariq Matin <emailad4tariq@yahoo.com> wrote:

> From: Tariq Matin <emailad4tariq@yahoo.com>
> Subject: Re: [chottala.com] Re: To our respected Teachers!
> To: "chottala@yahoogroups.com" <chottala@yahoogroups.com>
> Received: Sunday, 27 March, 2011, 9:13 PM
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>  
>
>
>
>
>
>
>
>
>
> Mannan Bhai,I agree with
> everything you have said.There are crooks in both
> Awami League and BNP. However my conscience tells me that I
> should unquestionably support a pro liberation force against
> an Anti liberation one. I believe supporting BNP is against
> the very foundation of our existence.Zia founded
> BNP by destroying the ideologies and the spirit of 1971. He
> also rehabilitated the anti liberation
> forces. I do not have the language to
> condemn the misdeeds of Zia and his accomplices. The damage
> the Zia and the defeated quarter has inflicted on Bangladesh
> is irreparable.I have tremendous respect for the
> Bongobondhu.However, I will not blindly say that
> he was not the perfect leader. Some of the blames for the
> success of Zia to topple him goes to the Bongobondhu as
> well. He failed to comprehend the importance of safeguarding
> himself from the assassins. Even though he meant well for
> us, his Bakshal was not the right approach.We can
> go on and on. The bottom line is there were lack of
> foresights from the Awami think-tanks.I see
> similar lack of foresight on Hasina's
> part.Otherwise why is she letting so many non
> issues become issues instead of focussing on Nation building
> etc?Each time she does that the BNP as an
> alternative choice looks better and better to the
> voters.Why did she let the Yunus issue go this
> far?Why are most of the crooks from the major
> parties out of the jail despite sentences and clear proof of
> corruption against them?List goes on and
> on.And last but not least can we afford another
> BNP rule?I shudder at the thought of Tareq Zia
> and his nexus coming back to rule Bangladesh and distort the
> history with their lies.
> Tariq Matin
> Sent from my iPhone
> On Mar 24, 2011, at 11:27 PM, Abdul Mannan <abman1971@gmail.com>
> wrote:
>
>
>
>
>
>
>  
>
>
>
>
>
>
> To my friends well wishers and  others.
>
> I never subscribed to JSD politics and was never a follower
> of AL politics blindly. I try to be objective as far as
> possible. May be I am a bit biased towards the politics of
> AL as I cannot be with any politics of BNP for obvious
> reasons.  I also have many critics in AL who thinks I
> should not speak some truths so bluntly they do not like.
> Now for the trial of Col. Taher. His deeds on 7th. November
> was not under trial but his trial was. The trial of Col.
> Taher was a miscarriage of justice and absolutely non
> transparent. I expect to write on this. Even the trial of
> killing of Zia was to some extent more transparent though
> many wrong people were tried (it included quite a few of my
> childhood friends). I never supported his deeds on 7th.
> November and I will say so.
>
>
> Many wishes of our Independence day.
>
> Have a nice day.
>
> Mannan
>
> On Thu, Mar 24,
> 2011 at 10:03 AM, Helal Ahmed <huahmed@yahoo.com>
> wrote:
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>  
>
>
>
>
>
>
>
>
>
> Dear Mr.
> Abid:
>  
> Assalamualaikum.
> Thanks for your
> response towards my posting. In my 40 years of life I
> didn’t see many Bangladeshis with good political
> consciousness. We are overly biased with our political
> ideology. No matter how educated we are, we simply
> can’t go beyond our loyalty towards the preferred
> party/ideology.
>  
> With no offence to
> Manna sir and all the respected teacher’s in these
> forums, in our student life, we observed how teachers
> (mostly who thought in the public universities in
> Bangladesh) are busy
> aligning themselves among Shada, Neel, Holud and Golapi
> panels. We also observed how the best student can’t
> become a teacher if he/she doesn’t get the blessing
> from those color coded panels. Contrary, how ordinary
> student become a teacher with the help of same color coded
> panels.
>  
> It is also worth
> to mention that it is our Sir’s who polluted the
> student politics and used us (students) to become the leader
> of the above mentioned colored coded panels and the ultimate
> price is becoming VC. Now days, some of them do politics in
> the public university and teaches in the private
> ones.
>  
> Saying that, it is
> also acknowledged, there are still teachers’ left who
> does genuinely teaching job. That’s why we still have
> institution like BUET and IBA to name a few.
>  
> Now, one can ask,
> can’t teacher be involved in politics! Of course they
> can. But they can’t encourage students to be a part
> of it and should leave it out side the institution, at least
> to some extent.
>  
> Thanks
> again.
>  
> Helal
> Toronto,
> Canada.
>  
> PS: I request all
> the respected teacher’s in these forums to not to
> take my writing personally. And I hope my writing is not
> towards them as they don’t fall into the
> teacher’s category I mentione above. As I said, there
> are many honorable teachers’ in Bangladesh, who is keeping
> the teaching profession with minimal financial compensation.
> And some of them still help their student to become
> extraordinary human being. We still visited them and touched
> their feet out of outmost respect because they deserve it.
> Whenever I go home, I make sure to visit few of my teachers
> who taught me throughout my life to be a better human being.
> Not necessarily, to be the best student. One of them
> is Samar Kanti Chowdhury sir, who thought be from Grade 1
> to 6. I wish all the teacher’s in Bangladesh is just like
> him.
>  
>  
>  ---
> On Wed, 3/23/11, abid bahar <abid.bahar@gmail.com>
> wrote:
>
>
>
> From: abid bahar <abid.bahar@gmail.com>
> Subject: Re: [chottala.com] Re:
> [KHABOR] Verdict of Col. Taher Case.
>
> To: chottala@yahoogroups.com,
> abid.bahar@gmail.com,
> Ovimot@yahoogroups.com,
> faruquealamgir@gmail.com,
> farhadmazhar@hotmail.com,
> farid2002hossain@hotmail.com,
> notun_bangladesh@yahoogroups.com,
> modzaman@gmail.com
>
> Date: Wednesday, March 23, 2011, 7:26 PM
>
>
>  
>
>
> Hasina Fooling People with the Rule of Law
> Abid Bahar
> Professor Mannan is a very enlightened person but at
> the same time I read him in his work that he is an overly
> enthuasistic pro AL person as well. He is an honorable
> person. I don't think I am qualified to say anything to
> increase his enlightenment about Bangladesh politics but I
> want to say one thing to help him understand about his
> enthuasism that with the AL appointed judges some
> of whom were vendals and one was a murder accused, the
> judgement about Taher who was the killer of many innocent
> army offices for implimenting his vision of a
> the then Chinese style sepoy army, Hasina's is
> clearly politically motivated. In this judgement there is
> nothing to celebrate unless you are a hardcore Awami Leaguer
> enthusiast.
>
> Additionally, it says what is legal is not always
> moral. Example: If the fascist leader Sadam made laws, or
> Gaddafi or Mujib with their one party rule, made
> laws, in Mujib's case when the elected
> Mujib denying the people's mandate made laws to
> supress the opposition installed one party rule, killing the
> opposition with his High Court laws, or killing
> Siraj Sikdar without laws and boosting about it,  it
> was simply a betrayal with the people who voted him to
> power. In the end such leaders as was Saddam with his two
> children were killed by the invasion forces, Mujib with his
> two children were killed by Bangladesh army and another
> dictator Gadafi calling himself as a revolutionary stays in
> power for decades now killing his countryman with the same
> fascist rule of law and who knows what awaits for him as
> well.  
>
> In Hasina's case keeping Mahmudur Rahman, the
> editor of a newspaper in jail by Hasina's
> court was legal but abusing power through courts was
> neither democratic nor moral. True, politicians
> and their enthuasiasts are fooling and ruling people with
> the excuse of rule of law- is a village headman style
> politics brought to the city to convince some already
> enlightened people fighting against dictators and fascist
> regimes worldwide.
>
>
>
> On Tue, Mar 22, 2011 at 11:25 AM, Helal Ahmed <huahmed@yahoo.com>
> wrote:
>
>
>  
>
>
>
>
>
>
>
>
> Dear
> Manna Sir:
> Assalamualaikum.
> Thanks for sharing your comment on High courts verdict on
> Taher killing.
> Sir,
> in the last few weeks there were many email circling around
> regarding this matter. I also posted a thread few days back.
> I would be honored to hear your feedback in regards of my
> below statement:
> “Assalamua'laikum.
> Ok, for the sake of argument, I accept your notion that
> Ziaur Rahman was a cold blooded murderer for killing Col
> Taher. Then, do you also accept that Sheikh Mujibur Rahman
> was also a cold blooded murderer for killing Siraj Sikdar! I
> hope you must read or remember when Bongbondhu proclaimed,
> where is Siraj Sikdar after he was assassinated.�
> I’m really
> looking fwd to have a knowledgeable discussion with you
> regarding the hypocrisy in our today’s society when
> it comes to discussing Mujib/Zia, India/Pakistan, Tarek/Joy,
> and so on.
> Sir, I
> can assume how busy your life is however, your response is
> much appreciated.
> Helal
>
>
>
>
>
>
>
>
> --- On Tue, 3/22/11, Abdul Mannan <abman1971@gmail.com>
> wrote:
>
>
>
> From: Abdul Mannan <abman1971@gmail.com>
>
> Subject: [KHABOR] Verdict of Col. Taher Case.
> To: khabor@yahoogroups.com,
> alapon@yahoogroups.com,
> chottala@yahoogroups.com,
> "Miro Jangi" <mjangi@yahoo.com>,
> Diagnose@yahoogroups.com,
> "shahid mahmud" <shahid6609@yahoo.com>,
> "sultan chowdhury" <chottalasultan@yahoo.com>,
> "Saad Andaleeb" <saadandaleeb@gmail.com>
>
> Date: Tuesday, March 22, 2011, 3:21 AM
>
>
>
>  
>
> High Court has given a verdict that the hanging of
> Col. Taher by Gen. Zia was a cold blooded murder and the
> lone person responsible for it was General Zia. The Court
> also ruled that Zia was also directly  involved in the
> killing of Bangabandhu Sk. Mujib.
>
>
> Mannan
>
> --
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>
>



------------------------------------

[* Moderator�s Note - CHOTTALA is a non-profit, non-religious, non-political and non-discriminatory organization.

* Disclaimer: Any posting to the CHOTTALA are the opinion of the author. Authors of the messages to the CHOTTALA are responsible for the accuracy of their information and the conformance of their material with applicable copyright and other laws. Many people will read your post, and it will be archived for a very long time. The act of posting to the CHOTTALA indicates the subscriber's agreement to accept the adjudications of the moderator]
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Re: [chottala.com] Re: To our respected Teachers!



Thanks for your objective observations. My views on Col. Taher's trial is expected to  be published in one of the national dailies within this week. I will share the link as usual.

Warm wishes.

Mannan

On Sun, Mar 27, 2011 at 7:43 AM, Tariq Matin <emailad4tariq@yahoo.com> wrote:
 

Mannan Bhai,
I agree with everything you have said.
There are crooks in both Awami League and BNP. However my conscience tells me that I should unquestionably support a pro liberation force against an Anti liberation one. I believe supporting BNP is against the very foundation of our existence.
Zia founded BNP by destroying the ideologies and the spirit of 1971. He also rehabilitated the anti liberation forces. 
I do not have the language to condemn the misdeeds of Zia and his accomplices. The damage the Zia and the defeated quarter has inflicted on Bangladesh is irreparable.
I have tremendous respect for the Bongobondhu.
However, I will not blindly say that he was not the perfect leader. Some of the blames for the success of Zia to topple him goes to the Bongobondhu as well. He failed to comprehend the importance of safeguarding himself from the assassins. Even though he meant well for us, his Bakshal was not the right approach.
We can go on and on. The bottom line is there were lack of foresights from the Awami think-tanks.
I see similar lack of foresight on Hasina's part.
Otherwise why is she letting so many non issues become issues instead of focussing on Nation building etc?
Each time she does that the BNP as an alternative choice looks better and better to the voters.
Why did she let the Yunus issue go this far?
Why are most of the crooks from the major parties out of the jail despite sentences and clear proof of corruption against them?
List goes on and on.
And last but not least can we afford another BNP rule?
I shudder at the thought of Tareq Zia and his nexus coming back to rule Bangladesh and distort the history with their lies.

Tariq Matin

Sent from my iPhone

On Mar 24, 2011, at 11:27 PM, Abdul Mannan <abman1971@gmail.com> wrote:

 

To my friends well wishers and  others.

I never subscribed to JSD politics and was never a follower of AL politics blindly. I try to be objective as far as possible. May be I am a bit biased towards the politics of AL as I cannot be with any politics of BNP for obvious reasons.  I also have many critics in AL who thinks I should not speak some truths so bluntly they do not like. Now for the trial of Col. Taher. His deeds on 7th. November was not under trial but his trial was. The trial of Col. Taher was a miscarriage of justice and absolutely non transparent. I expect to write on this. Even the trial of killing of Zia was to some extent more transparent though many wrong people were tried (it included quite a few of my childhood friends). I never supported his deeds on 7th. November and I will say so
.

Many wishes of our Independence day.

Have a nice day.

Mannan


On Thu, Mar 24, 2011 at 10:03 AM, Helal Ahmed <huahmed@yahoo.com> wrote:
 

Dear Mr. Abid:

 

Assalamualaikum. Thanks for your response towards my posting. In my 40 years of life I didn't see many Bangladeshis with good political consciousness. We are overly biased with our political ideology. No matter how educated we are, we simply can't go beyond our loyalty towards the preferred party/ideology.

 

With no offence to Manna sir and all the respected teacher's in these forums, in our student life, we observed how teachers (mostly who thought in the public universities in Bangladesh) are busy aligning themselves among Shada, Neel, Holud and Golapi panels. We also observed how the best student can't become a teacher if he/she doesn't get the blessing from those color coded panels. Contrary, how ordinary student become a teacher with the help of same color coded panels.

 

It is also worth to mention that it is our Sir's who polluted the student politics and used us (students) to become the leader of the above mentioned colored coded panels and the ultimate price is becoming VC. Now days, some of them do politics in the public university and teaches in the private ones.

 

Saying that, it is also acknowledged, there are still teachers' left who does genuinely teaching job. That's why we still have institution like BUET and IBA to name a few.

 

Now, one can ask, can't teacher be involved in politics! Of course they can. But they can't encourage students to be a part of it and should leave it out side the institution, at least to some extent.

 

Thanks again.

 

Helal

Toronto, Canada.

 

PS: I request all the respected teacher's in these forums to not to take my writing personally. And I hope my writing is not towards them as they don't fall into the teacher's category I mentione above. As I said, there are many honorable teachers' in Bangladesh, who is keeping the teaching profession with minimal financial compensation. And some of them still help their student to become extraordinary human being. We still visited them and touched their feet out of outmost respect because they deserve it. Whenever I go home, I make sure to visit few of my teachers who taught me throughout my life to be a better human being. Not necessarily, to be the best student. One of them is Samar Kanti Chowdhury sir, who thought be from Grade 1 to 6. I wish all the teacher's in Bangladesh is just like him.

 

 

 --- On Wed, 3/23/11, abid bahar <abid.bahar@gmail.com> wrote:


From: abid bahar <abid.bahar@gmail.com>
Subject: Re: [chottala.com] Re: [KHABOR] Verdict of Col. Taher Case.
To: chottala@yahoogroups.com, abid.bahar@gmail.com, Ovimot@yahoogroups.com, faruquealamgir@gmail.com, farhadmazhar@hotmail.com, farid2002hossain@hotmail.com, notun_bangladesh@yahoogroups.com, modzaman@gmail.com
Date: Wednesday, March 23, 2011, 7:26 PM

 
Hasina Fooling People with the Rule of Law
Abid Bahar
Professor Mannan is a very enlightened person but at the same time I read him in his work that he is an overly enthuasistic pro AL person as well. He is an honorable person. I don't think I am qualified to say anything to increase his enlightenment about Bangladesh politics but I want to say one thing to help him understand about his enthuasism that with the AL appointed judges some of whom were vendals and one was a murder accused, the judgement about Taher who was the killer of many innocent army offices for implimenting his vision of a the then Chinese style sepoy army, Hasina's is clearly politically motivated. In this judgement there is nothing to celebrate unless you are a hardcore Awami Leaguer enthusiast.
Additionally, it says what is legal is not always moral. Example: If the fascist leader Sadam made laws, or Gaddafi or Mujib with their one party rule, made laws, in Mujib's case when the elected Mujib denying the people's mandate made laws to supress the opposition installed one party rule, killing the opposition with his High Court laws, or killing Siraj Sikdar without laws and boosting about it,  it was simply a betrayal with the people who voted him to power. In the end such leaders as was Saddam with his two children were killed by the invasion forces, Mujib with his two children were killed by Bangladesh army and another dictator Gadafi calling himself as a revolutionary stays in power for decades now killing his countryman with the same fascist rule of law and who knows what awaits for him as well.  
In Hasina's case keeping Mahmudur Rahman, the editor of a newspaper in jail by Hasina's court was legal but abusing power through courts was neither democratic nor moral. True, politicians and their enthuasiasts are fooling and ruling people with the excuse of rule of law- is a village headman style politics brought to the city to convince some already enlightened people fighting against dictators and fascist regimes worldwide.

On Tue, Mar 22, 2011 at 11:25 AM, Helal Ahmed <huahmed@yahoo.com> wrote:
 
Dear Manna Sir:
Assalamualaikum. Thanks for sharing your comment on High courts verdict on Taher killing.
Sir, in the last few weeks there were many email circling around regarding this matter. I also posted a thread few days back. I would be honored to hear your feedback in regards of my below statement:
"Assalamua'laikum. Ok, for the sake of argument, I accept your notion that Ziaur Rahman was a cold blooded murderer for killing Col Taher. Then, do you also accept that Sheikh Mujibur Rahman was also a cold blooded murderer for killing Siraj Sikdar! I hope you must read or remember when Bongbondhu proclaimed, where is Siraj Sikdar after he was assassinated."
I'm really looking fwd to have a knowledgeable discussion with you regarding the hypocrisy in our today's society when it comes to discussing Mujib/Zia, India/Pakistan, Tarek/Joy, and so on.
Sir, I can assume how busy your life is however, your response is much appreciated.

Helal


--- On Tue, 3/22/11, Abdul Mannan <abman1971@gmail.com> wrote:

From: Abdul Mannan <abman1971@gmail.com>
Subject: [KHABOR] Verdict of Col. Taher Case.
To: khabor@yahoogroups.com, alapon@yahoogroups.com, chottala@yahoogroups.com, "Miro Jangi" <mjangi@yahoo.com>, Diagnose@yahoogroups.com, "shahid mahmud" <shahid6609@yahoo.com>, "sultan chowdhury" <chottalasultan@yahoo.com>, "Saad Andaleeb" <saadandaleeb@gmail.com>
Date: Tuesday, March 22, 2011, 3:21 AM


 
High Court has given a verdict that the hanging of Col. Taher by Gen. Zia was a cold blooded murder and the lone person responsible for it was General Zia. The Court also ruled that Zia was also directly  involved in the killing of Bangabandhu Sk. Mujib.

Mannan

--











--
_________________________________
Abdul Mannan
Professor
School of Business
University of Liberal Arts Bangladesh
House # 56, Road # 4/A
Dhanmondi R/A, Dhaka-1209
Bangladesh.
BDT=GMT +6
Working Days Sunday-Thursday
E-mail: abman1971@gmail.com
 http://www.ulab.edu.bd



__._,_.___


[* Moderator's Note - CHOTTALA is a non-profit, non-religious, non-political and non-discriminatory organization.

* Disclaimer: Any posting to the CHOTTALA are the opinion of the author. Authors of the messages to the CHOTTALA are responsible for the accuracy of their information and the conformance of their material with applicable copyright and other laws. Many people will read your post, and it will be archived for a very long time. The act of posting to the CHOTTALA indicates the subscriber's agreement to accept the adjudications of the moderator]




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Change settings via the Web (Yahoo! ID required)
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__,_._,___

[chottala.com] All about microcredit by M.M. Akash



M. M. Akash

M. M. Akash

M.M. Akash

All about microcredit

March 23, 2011
Rural villagers queue with their ledger books to repay loans to a micro-credit group in northern Lalmonirhat, Bangladesh. Photo: Reuters

Rural villagers queue with their ledger books to repay loans to a micro-credit group in northern Lalmonirhat, Bangladesh. Photo: Reuters

1. I shall begin with an old saying: "If a drop of water falls on a lake, it loses identity, if it falls on lotus it shines, if on a shell it becomes a pearl. The drop is same but company matters."

2. Microcredit is neither a panacea nor a devil; it all depends on the context! Taken simply, "Microcredit" is a very old thing — it is a micro sized credit. So it must be financing at least initially only micro activity satisfying micro needs. But human nature is such that as soon as a micro activity and/or micro need is fulfilled he/she will aspire for a larger credit and will try to fulfil richer human needs. The question of graduation from micro to macro is an inherent necessity attached to each microcredit borrower. A constant vulnerability is another essential problem of the microcredit borrower.

3. There is therefore an important failure or limitation of microcredit — it ensures only limited mobility and that mobility is generally non sustainable.

4. The supporters of microcredit claim that micro-macro graduation is possible by reinvestment of the surplus by the micro borrowers. The savings of poor borrowers and interest paid, savings accumulated, etc. actually prove that they do generate surplus.

5. And here lies the bone of contention. It is beyond doubt that the ability to move upward will depend upon how effectively the surplus is used to generate additional income and how that additional income is distributed. This obviously will depend on how the surplus is distributed as well as on the internal capacity of the micro borrower and the external constraints within which he/she has to operate.

6. One school of economists claim that MC manager/social entrepreneurs have taken away the lion's share of the surplus, enjoying high income, fame and luxury and also maintaining status quo or managing poverty to ensure political stability. At least they fail to stop the increasing relative gap between rich and poor based on unjustified distribution of surplus/income.

7. Another school claims the MC entrepreneurs have saved the poor from further deterioration, from the clutches of the so-called bloodsucker Mohajons. It not only prevented deterioration and maintained status quo, but also increased their income, smoothened their consumption, increased their social capital, human capital, physical capital, and finally made it possible for them to graduate above poverty line. This debate has to be solved on the basis of objective facts.

8. Even if somebody accepts the above positive claims, the question remains "How Much" and more importantly "How much more can be done by proper institutional changes and through proper regulation of the micro credit entrepreneurs." Then only one begins a proper search for a more effective model of microcredit!

9. Indian model of self help group is naturally the most preferred model for the poor if a minimum management capacity exists among the poor members of the group and also if external political intervention can be checked.. And that is better because by that they become the subject of their life and no more remain a target object in need of so called safety nets! It is ideally a self-owned, self-managed and self-appropriated collective model of "Micro Credit".

10. NGO models and GB model of micro-credit in our country deals with the micro man but they have generally failed to turn him/her into an independent macro/meso subject. Perhaps the degree of failure in case of GB model is lesser because at least it has legally given De jure ownership of the bank to the micro man!

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M. M. Akash is a professor, economist, researcher.

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7 Responses to " All about microcredit "

  1. Matiur Rahman on March 24, 2011 at 10:51 pm

    The same perspectives could be presented in simpler and convincing ways than in confusing ways. However, the kernel of the write-up is on right track. Over all these years, we just eulogised microcredit, based on data released by GB. These data could be manipulated. We should have had critical view of its performance and inside modes of operations in the past.

  2. Humayun Kabir on March 24, 2011 at 10:08 pm

    Prof. Akash has clearly taken the position that microcredit actually has done very little to change the overall status quo of the poor.

    Plenty of studies and evaluations done by national and international professionals have ''established'' the fact that microcredit, in the Grameen Bank model, have improved real assets, access to basic health services, education, and savings of the poor, that would not have been possible without such an intervention. Just because these poor are not still, middle income or rich does not prove that their economic status have not improved. Prof. Akash could have also subscribed to this basic fact.

  3. sajjad on March 24, 2011 at 7:49 am

    It is good to see Professor Akash spelling out his thoughts on the subject. Here are few observations:
    1. Between (6) and (7), a third perspective is missed out – accumulation of capital at the agency level, belittling the history of capital accumulation in Bangladesh and elsewhere. If this was accounted for, he could use the same argument as (5) to suggest ways to guide allocation/use of this institutional capital for promoting pro-poor activities. I am sure Professor Akash recognises the need for capital accumulation and is not suggesting that all resources be used for current consumption of the poor!

    2. His obs (9) and (10) make strong assertions without much empirical basis. Have individual MC borrowers in Bangladesh succeeded? There are ample evidence on YES and NO; as one would expect in cases of 'macro' borrowers. Have self help groups (SHG) in India emancipated the poor? I would only request the Professor to revisit the basic statistics; and the evidence on their use for promoting political patronage and buying electorates.

  4. Towfique on March 23, 2011 at 6:24 pm

    In this write-up, there's too little about microcredit, and too much to discredit microcredit.

  5. Qazi Nazrul Huque on March 23, 2011 at 6:00 pm

    At micro level, I will put more emphasis on the internal capacity of the micro borrowers as they progress toward utilising bigger loans; I don't think supply, anyway, is a big problem. The bigger the enterprise, the bigger the loan, and the bigger the magnitude of 'fall!'

    Supply of nature's resources to fulfil more and more of human needs is a big factor. But there is a limit to such supply; the inevitable result is inflation, if increase in supply of nature's resources cannot cope with the supply of credit/investment.

    An economic system based on competition can maintain a win-win situation as long as nature's supply is abundant. Only technology is not enough to ensure such a situation.

    Market economy has a natural tendency toward wastage of both natural and human resources.

    According to Parkinson's third law 'expansion means complexity and complexity decay.' Our economic, administrative and political systems have become too big, clumsy, inefficient and captive to the interests of a few. We are at the threshold of a watershed and need drastic reorganisation of our systems.

    Finally, every one on earth — not only human beings, but also members of other species – should have equal right to natural resources.

  6. Mozammel on March 23, 2011 at 1:52 pm

    I personally take the issue of microcredit with benefit for those who deserve and it is not so for those who had a tendency of making anything controversial for the sake of negative intention.

    This system saved so many poor families from doom though it was so in lieu of heavy economic stress but even then they received the support from it. Because in most of the cases, near ones could not extend any help.

    Religion says charity begins at home, but that remains a saying only due to modernisation. These days, the philosophy of religion is regarded as the practice of the illiterate.

    But is it really so?

    This issue of microcredit and its demerits are the result of this modernisation leaving aside its actual motto — charity begins at home.

  7. Babu on March 23, 2011 at 1:20 pm

    Excellent write up. Expected something more on the so-called microcredit effect on poor.

http://opinion.bdnews24.com/2011/03/23/all-about-microcredit/#more-1813



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