Machine Learning application for selecting efficient Loan Applicants in Private Banks of Bangladesh

Machine Learning Applications have been well accepted for various financial processes throughout the world. Supervised Learning processes for objective classification by Naïve Bayes classifiers have been supporting many definitive segregation processes. Various banks in Bangladesh have found challenging moments to identify financially and ethically qualified loan applicants. In this research process, we have confirmed the safe applicant’s list using definitive variable measures through identifiable questions. Our research process has successfully segregated the given applicants using Naïve Bayes classifier with the proof of lowering loan default rate from an average of 23.26%% to 11.76% and development of financial ratios as performance indicators of these banks through various financial ratios as indicators of these banks.

Implications of Green Management Practices in the RMG Industries of Bangladesh- An Environmental Sustainability Perspective

As of today, the whole world is riddled with a major dilemma whether it goes with gigantic industrialization or ensuring environmental sustainability. At the cost of a green environment, infrastructural development means no dependable future. Therefore, this study aims to examine the implications of green management practices in the readymade garments industries of Bangladesh. The perspective of the study entails environmental sustainability in such a way that depicts the perception of employees towards green management practices. In order to conduct this study, 100 respondents have been selected and all of them are employees in a similar type of RMG industry. For the analytical purpose, Henry Garret’s table rating scale has been utilized because it not only provides clear responses from the selected respondents but also subjective judgment. The study explored four important impact factors that play a vital role in the context of environmental sustainability such as the development of green management practices, motivating employees towards green management practices, enabling participation in green opportunities, and last but not least continuous maintenance of green attitude. After substantial analysis, the study concluded that the investment in green management system development, recording and publicly disclosing green job performance, participatory involvement in green discussions, and having a specific code of conduct for green management are the most important ones arising from implications of green management practices.

Customer Satisfaction Analysis of Restaurant Industry: An Empirical Study on Rangpur City

At present, the service industry makes an important contribution to World's GDP, especially in Bangladesh. Customer satisfaction is one of the Catchwords of every service industry. The study is conducted to identify some key factors of customer satisfaction in the restaurant industry. In the Rangpur city area, 20 restaurants were selected to conduct the study. This research is based on an empirical study. Simple random sampling methods were used to select 120 customers. 5 points Likert scale and open-ended questions were used to prepare a questionnaire. This study tried to adjust customer’s perceptions with service quality for the customers’ satisfaction with the restaurant industry. Undesirable perceptions of customers were found concerning product and service quality, pricing policy, the value of the restaurant, and loyalty of those restaurants side by side concerning waiters' service and space convenience customers' perceptions were encouraging. Based on findings it was recommended that attention should be given to those critical issues to attract new customers and retain current customers.

Determinates Service Quality and Its Effect on Patients' Satisfaction of Private Medical College Hospitals, Rangpur, Bangladesh

The current research is both exploratory and descriptive in nature, with a primary focus on SERVQUAL aspects of service quality in private hospitals. The study used a quantitative technique to analyze primary and secondary data, and 255 people were interviewed as part of the sample. Patients' perceptions of the quality of service provided by private hospitals are varied, according to the survey. The perceptions of service recipients are positive in certain areas, such as reliability and responsibility, but negative in others, such as cost and communication. The major parameters impacting the total service quality of private hospitals were identified using regression analysis. In terms of service reliability, the most important factors determining patients' overall service quality are concentration (a composite of 11 measures) and responsiveness (a composite of 9 measures). The study found that the quality of hospital treatments is determined by the incentive system in place at these institutions. Because private hospitals are not funded and rely on revenue from customers, the relevant authorities should be more motivated to deliver high-quality services to patients in order to better satisfy their requirements.

Portfolio Construction Using Financial Ratio Indicators and Classification through Machine Learning

Financial Ratios have been a major indicator for financial asset selection. It’s seen that the decision taken to construct a portfolio based on financial ratio indicators has been able to make better returns than the random asset allocation process in the portfolio. This research will show multiple classifications based on unsupervised machine learning processes to satisfactorily determine investable assets or securities for portfolio contribution. Our suggested portfolio would then be compared with a random portfolio for a specific time frame in order to determine portfolio return, Sharpe ratio, and portfolio performance.

Foreign Direct Investment in Bangladesh: Analysis of Policy Framework, Impact, and Potential

The paper examines the policy framework toward FDI including monetary and non-monetary incentives offered to attract FDI, analyzes the trend and sources of and the sectors attracting FDI inflows, and the potential for FDI in Bangladesh. The analysis is based on data collected both from primary and secondary sources. Major sectors attracting FDI include RMGs, power, textile and wearing, telecommunications, banking, gas, and petroleum. The analysis shows that fiscal/nonmonetary incentives alone and competitive advantage in factor endowment (cheap labor) are not enough to attract additional FDI into Bangladesh. The key is to adopt proactive policies for creating and maintaining an FDI-friendly business environment in the country Bangladesh. For attracting more FDI into Bangladesh, the efforts need to include, among others, increased infrastructure spending especially in digital architecture, creating functional one-stop investment service center, emphasis on skill training to facilitate technology transfer, targeted measures to attract FDI into backward and forward linkage industries, participation in regional and global value chains.

Do Hermetic Storage Technology Significantly Abate Losses of Rice Over Time? An Economic Evaluation

In Bangladesh, traditional technologies like Dole, Auri, Bamboo Gola, Motka, and Plastic bag are widely used in rice storage. Hot and humid weather of the country favors the growth of insects in these which are not functional for rice storage. Recently, hermetic bag (HB) GrainPro and PICS bags are suggested for rice storage without being subjected to economic analysis in the country. Very few empirical studies on the economic analysis of storage technologies were conducted at laboratory and field conditions. In it, losses of rice storage using traditional technologies and HB were evaluated to judge the economic effects of these. Moreover, determinants of storage benefit were analyzed for different devices and econometric modeling was formulated to have the understanding the benefit of reduced loss by storage over time. These benefits were found to increase with time meaning that a farmer gained more benefit by storing longer period in HB. Results showed that economically feasible and attractive in investing these technologies at a discount rate of 12 percent by using financial analytical tools like net present value (NPV) and benefit-cost ratio (BCR) of different storage technologies. The results also indicate that gain of storage clearly increased over time. Considering BCR, Plastic drum use in rice storage is the most profitable storage technology followed by GrainPro and PICS Bag for consumption. Regression analysis of treatment and time effect of storage indicated that percentage profit per month is found the highest in GrainPro bag followed by PICS bag, Dole, Plastic bag and Motka, respectively. Promotion of PICS and GrainPro bags in rice seed storage would be more cost-effective and economically feasible to farmers.

Prospects of Parasailing Activities in Bangladesh: A Study on the Opportunities and Challenges

Parasailing is considered as the modern and popular part of seaside recreational activities. Bangladesh has recently added ‘Parasailing’ to her service list in Cox’s Bazaar and Himchori in 2010. The purpose of this study is to investigate the tourists’ perceptions towards parasailing activities and to analyze the opportunities and challenges of parasailing in Bangladesh. The study is based on primary as well as secondary data, and has applied descriptive research method on the basis of data collected through a questionnaire consisting of 33 questions from 52 respondents. The reason behind choosing this topic is that ‘parasailing’ has a great opportunity in the future tourism business in Bangladesh. Moreover, the aim of this study is to spread this activity in different areas of Bangladesh, like Saint Martin’s island and Patenga sea beaches, so that tourists can enjoy the taste of same. Thinking from a commercial perspective it has a great potential of increasing recreational facilities, earning a huge amount of income, and employing many people from the local community to bring a change in their lives).

Assessment of Budget Preparation, Utilization and Evaluation in the Case of Negelle Borena Town Municipality, Oromia Region, Ethiopia

This study was conducted on the assessment of budget preparation, utilization, and evaluation in the case of Negelle Borena Town (NBT) Municipality. To the best of the researcher’s knowledge, there is no document that reports a study on the probable causes that may hinder the preparation and utilization of budgeting in the NBT Municipality. This is a major motivation to carry out this study. Thus, the general objective of the paper is to assess the budget preparation, utilization, and evaluation of the NBT Municipality Nine out of seventeen budget holders were taken and ten key informants were selected from each budget holder with a total of 94 respondents. In addition, five budget experts were included in collecting primary data through a structured questionnaire, and five more finance budget experts involved. More of the qualitative analyses demonstrate that there was no accountability in budget utilization, there is no market-oriented cost estimation practice. Lack of adequate and experienced budget experts is another issue that contributes to worsening the problems and also there is no evidence-based evaluation mechanism in the budget utilization at each level of the budget holder. Therefore, in order to improve budget preparation and utilization in NBT Municipality, it calls for taking any possible and remedial actions in the subsequent years.

Employability Skills of Business Graduates in Job Markets of Bangladesh: Investigating Weaknesses and Suggesting Improvements

Job seekers have to face intense competition to get the expected job in the current job market of Bangladesh. A plethora of job seekers especially business graduates are coming to the job markets having MBA degrees but fails or takes longer time to get expected jobs since employability skills are the prime requirement for every contemporary organization. The study aims to investigate the weaknesses in the employability skills of business graduates in Bangladesh and suggest some effective measures to curtail those weaknesses. A self-administered survey instrument developed, some items deleted after analysis, and some items revised to get a concrete one. This questionnaire sent to 300 students who already graduated with an MBA degree and are trying to get expected jobs. Among them, 280 usable responses collected and used as the sample in this study. The ranking method and proportion analysis used for analyzing the collected data. The findings revealed that the business graduates of Bangladesh possessed significant lacking employability skills as inadequate team-working skills, lack of communication and interpersonal skills, unable to learn and adapt to the environment, lack of negotiation skills, and shortage of organizing skills. Moreover, this study suggested some measures like providing proper training, arranging case competitions and job fairs, the mitigating gap between the schooling system and market demands, re-arranging the business curriculum, and so on for taking consideration by concerned authorities to solve the identified weaknesses.