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Title: Gender Dimension and Safety Issue of Female Workforce of the Garment Industries in Bangladesh

Abstract: Bangladesh is one of the most prominent developing country in the world, the RMG sector is one of the prime earning sources of Bangladesh. Now Bangladesh is listed one of the gigantic garment exporters of the world. The garment industry is around Eighty four percent of total exports zone of Bangladesh. In Bangladesh more than four million people are worked in this garments industry. Around eighty percent (that is, 3.2 million workers) of the garment workers are female in Bangladesh. According to Bangladesh Garment Manufacturers and Exporters Association (BGMEA), the female garments workers are victim of high prevalence of violence and injustice in the work place. The violence and injustice the female garments workers are faced are adversely affect their physical and mental state. This research paper discusses the complication of gender dimension, fitness, well being and protection matters and hurdle of female garment workers of Bangladesh. Here the author used regression analysis, chi-square test, pearson R test, independent T test in order to explain the factors affect safety issue of female garments workers and the injustice towards them.

By Samira- Binte- Saif
In Volume: 14,Issue: 1
Title: Islamic Banking in Bangladesh: A Case Study of FSIBL and Implications for Indian Islamic Banking Prospects and Societal Banking

Abstract: Islamic banking is reshaping Bangladesh’s financial landscape by offering a Sharia-compliant alternative to conventional banking, particularly through innovative community-driven micro-savings and micro-investment models. This qualitative study analyzes First Security Islami Bank Limited (FSIBL), Bangladesh’s first full-fledged Islamic bank (est. 1999), to draw insights for India’s emerging Islamic banking sector. FSIBL’s success in applying profit-loss sharing (PLS) models—such as Mudarabah-based micro-savings pools converted into agricultural investments and Bai-mode financing for SMEs—alongside mobile banking-enabled societal banking initiatives, demonstrates how Islamic finance can bridge financial inclusion gaps in developing economies. The bank’s CSR-linked community investment programs, which transform small deposits into Waqf-funded local projects, offer a replicable template for India. However, recent governance lapses and liquidity crunches highlight systemic risks in scaling these models without robust safeguards. The study addresses two questions: (1) How does FSIBL’s integration of microfinance with Islamic principles validate its viability in emerging markets? (2) What lessons can India adopt to leverage societal banking wings for grassroots capital formation while avoiding governance pitfalls? Findings reveal that participatory micro-investment frameworks require three pillars: strong Sharia governance (e.g., community oversight committees), depositor protection mechanisms (e.g., taka ful-backed micro-savings), and adaptive asset-liability management (e.g., blockchain-tracked PLS ventures). By examining FSIBL’s journey, the paper proposes actionable strategies for India to harness Islamic banking’s dual social-commercial mandate, advocating for regulatory sandboxes to pilot community savings-to-investment chains and tax-neutrality for micro-investment products. The study concludes that India’s vast SHG networks and digital infrastructure position it to outperform Bangladesh’s model—if integrated with ethical resilience and operational transparency.

By Abu Sayed, Nabila Aktia Chowdhury
In Volume: 14,Issue: 1
Title: A Critical Review on Financial, Developmental and Supervisory Role of NABARD: With Special Reference to Functions of its Management Bodies

Abstract: National Bank for Agriculture and Rural Development (NABARD) formed in 1982 on 12th July is India's leading agricultural finance and rural development institution. This paper critically examines NABARD's development, financing, and supervisory roles with particular reference to the operations of its organizational hierarchies. NABARD performs as a support system for rural banking organizations' refinancing, financial inclusion, financing infrastructure operations, and promoting capacity-building schemes such as Self-Help Groups (SHGs), Farmer Producer Organizations (FPOs), and Primary Agricultural Credit Societies (PACS). Its departments such as Financial Inclusion and Development, Infrastructure and Development, and Supervision allow NABARD to support rural credit infrastructure and policy adherence. This paper assesses the performance of NABARD in rural development, climate resilient farming, and inclusive growth. Imbalanced credit flow to regions, over-reliance on government support, weak digital connectivity, and congruence of youth training skills remain issues despite these advancements. Despite these issues, NABARD remains a powerful instrument of sustainable rural development and farm advancement in India. This paper thus concludes the relevance of policy reforms, technology adoption, and greater autonomy to improve NABARD's long-term performance.

By Saumya Rai, Dinesh Kumar Tiwari
In Volume: 14,Issue: 1
Title: Workplace Diversity and Inclusion: The Role of Organizational Culture

Abstract: Workplace diversity and inclusion (D&I) have become critical drivers of innovation, employee well-being, and organizational performance. The success of D&I efforts, however, depends significantly on the dominant organizational culture, which influences employee attitudes, behaviors, and inclusivity-related policies. This research explores the complex relationship between organizational culture and workplace diversity and inclusion, investigating how cultural values, leadership, and HR policies affect the success of diversity efforts. Based on a comprehensive literature review, case studies, and empirical studies, this research emphasizes the most important aspects of an inclusive organizational culture, including leadership commitment, psychological safety, fair hiring practices, and open communication. It also examines typical obstacles to inclusivity, such as unconscious biases, resistance to change, and structural disparities in organizations. The study also examines the contribution of transformational leadership and corporate social responsibility (CSR) in fostering a positive cultural change towards inclusivity. Findings indicate that organizations with a robust, inclusive culture have more engaged employees, better team collaboration, and better organizational reputation. In contrast, firms that do not embed diversity and inclusion into their cultural narrative stand to see greater turnover, intra-workplace conflict, and diminished innovation. The research concludes by offering strategic recommendations to organizations on how to create and maintain a culture that proactively supports diversity and inclusion through leadership commitment, customized training programs, and inclusive policy making.

By Kajol Morya, K.R. Jain
In Volume: 14,Issue: 1
Title: Study on Investment Pattern of Salaried Class People with Special Reference to Dehradun City

Abstract: Investment patterns among salaried individuals are influenced by various factors, including income levels, financial awareness, risk appetite, and socio-economic conditions. This study aims to analyze the investment preferences of salaried professionals in Dehradun, focusing on their choice of financial instruments such as fixed deposits, mutual funds, stocks, insurance, and real estate. The research examines the factors affecting investment decisions, including risk tolerance, savings behavior, tax benefits, and long-term financial goals. A structured survey was conducted among salaried individuals from diverse professional backgrounds to gather primary data. The findings reveal a preference for low-risk investment options, with a significant inclination toward fixed deposits and insurance, while younger investors show a growing interest in mutual funds and equity markets. The study also highlights the role of financial literacy in shaping investment behavior. The insights from this research can help financial institutions, policymakers, and advisors tailor investment solutions that align with the financial goals of salaried individuals in Dehradun. Additionally, the study underscores the need for enhanced financial education programs to encourage informed investment decisions.

By Pankaj Kumar, Subhash Chandra
In Volume: 14,Issue: 1
Title: Best Practices in Microcredit Governance: Lessons from Bangladesh

Abstract: The performance of two prominent microcredit providers—Grameen Bank and BRAC NGO—is examined in this paper, with particular attention paid to their different organizational structures and governance frameworks. As a borrower-owned cooperative, Grameen Bank promotes member involvement in decision-making, which, through group lending, encourages ownership and peer support but may also lead to social pressure. BRAC NGO, on the other hand, employs a centralized governance model and offers a thorough approach to micro credit that is in line with its larger social development initiatives. Although this strategy provides comprehensive assistance, it may not be as flexible to meet the needs of each borrower. Although borrower choices and economic conditions have an impact on their effectiveness, both groups aim to increase loan attachment and reduce poverty. While BRAC depends on a combination of donor money and revenue-generating operations, Grameen Bank places a higher priority on self-sufficiency. The impact and sustainability of microcredit systems might be improved by fusing the advantages of both models—BRAC's integrated approach and Grameen Bank's borrower ownership.

By Tahmina Akhter, Shanzida Hassan
In Volume: 14,Issue: 1