Doctoral dissertation. / Format: PDF. Bibl.

Abstract Title: Client Information Needs of MFIs: A Case Study of ASA Bangladesh Author: Juber Ahmed Academic Advisor: Dr. Klaus Solberg Søilen Department: School of Management, Blekinge Institute of Technology Course: Master Thesis in Business Administration Purpose: To enrich the knowledge base of client’s needs of financial services and assessing the tools MFIs used to collect clients’ information and how they utilized the information for developing new products and services or modifying existing products and services or their terms and conditions to meet the needs of financial services of their clientele. Also how MFIs organized and managed the information and how they categorized their clients using that information. Method: The investigation conducted from both a theoretical and an empirical point of view. The deductive approach used for the study and the case study method deployed. I studied ASA which is an MFI renowned in Bangladesh and beyond. At first, I had gone through a secondary research for collecting a number of successful methods and standard types of information used by successful MFIs from existing literature. In primary research, I interviewed 10 Managers (Assistant Directors) for ASA to determine which of the methods found in the literature were more effective for collecting clients’ information for them and also asked them to add their ideas to the list. At last I asked interviewees to rate the methods and results presented in this paper. Theory: This study was an exploratory one where I discussed the related aspects for the study - Microfinance, Client Assessment, Clients of Microfinance, Information needs and Management Information System. Findings: The study showed that ASA utilized client information for developing their credit products and services and based on number of loans taken by the clients they categorized their clients and modified or developed new products and services for each category of clients. Although ASA executed several tools for collecting client information but the managers think that their staffs’ collection of information from regular meeting with clients was more effective than others for modifying products’ terms and conditions and modifying or developing new products and services to their women and small enterprise clients. The conducted study also revealed that in ASA impact study was necessary to know clients’ overall level of satisfaction but management needed specific information on what aspects of ASA and its credit products and services clients preferred and did not prefer and the reasons of the preferences. Also they needed action plan to address clients’ specific concerns, so they needed the information on a continual basis and they were successful to achieve this continuous flow of information. For ASA, the best way to get this type of information would be through client satisfaction Focus Group Discussions (FGDs), although they utilized several tools but not often as discussed in part 3 in chapter 5. ASA owned an MIS (AMMS) for monitoring and managing clients’ information and they utilized this to categorize their clients based on the collected information about their number of loans. Conclusion: This study revealed that ASA served only women and small enterprise clientele that included the vulnerable non-poor and could contribute to the profitability of ASA. There was no attempt to diversify the products to include all poor that should be the goal of microfinance to alleviate poverty. Moreover client treated as individual client but the loans used to fulfill household or family needs of the clients. There were tools for collecting information on household about impact of credit programs participation but they took seldom effort for collecting information of the household money management or in other words how they utilized the loans for variety of household needs. There is lack of access to a variety of financial services for poor clients, even though MFIs are mostly serving vulnerable non-poor instead of taking consideration of all categories of poor. It revealed from the study that MFIs could gain long term success by serving specific market segment but it should not be only focus of MFIs, their initiative should be to include all poor in their clients profile with a priority to a specific market segment. This could help them to become sustainable and to minimize risks by spreading it in different market segments. The study found that ASA considered FGDs as an effective tool for collecting clients’ information as their staffs and managers were familiar with this tool, moreover it was cost effective for them. It observed that they seldom followed Tool Selection Process and it was the top management that decided over the tools, the decision might influence by internal and external interest groups and the competition. MFIs should organize client information in a way so that they could be able to manipulate the specific client information to serve client better and to take effective decision, although it is imperative to argue that they may like to serve the wealthier clients. This research paper is also presenting some important findings from existing literature of microfinance and a number of recommendations based on the study experience and scholars opinions from existing microfinance study that may help MFIs to prepare themselves to adopt client-oriented approach by utilizing client assessment tools to fulfill the needs of financial services of their clients that may hopefully include all poor irrespective of their categories.

In the post-9/11 world, Bangladesh has been identified as a new hub of the Al-Qaeda network in South Asia. Most of the contemporary national and international media reports, security documents, and even academic studies point to the fact that an Islamist movement is on the dramatic rise in Bangladesh in recent years. These reports and studies portray the Islamist movement as closely linked with terrorism and devoid of any historical roots and relations with other types of movement. Contrary to this view, this study argues that the Islamist movement is not an unprecedented phenomenon but historically linked with a broader militia movement which subsequently leads to the emergence of Bangladesh as a nation state in 1971. Since its inception, the nation state is dealing not only with the Islamist movement but also with two other types of militia movement almost simultaneously – the leftwing and the ethnic. Having identified these three types, this study defines the militia movement in terms of five analytical categories – ideology, motivation, mobilization, organization, and ritual – following Freilich and others. It analyzes the Bangladesh militia movement in terms of these five dimensions, providing historical-empirical data from both primary and secondary sources to show how the contemporary militias are carrying forward the legacy of their historical forerunners. This study concludes with policy recommendations on how informed decisions can be made to effectively deal with the militia issue. / Thesis (Master, Sociology) -- Queen's University, 2010-06-02 14:36:43.282

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In Islamic societies, religion plays a significant role in shaping the home and the environment. An important feature of the Islamic culture is the segregation of women from males other than next of kin. This aspect has given rise to the separation of domains for men and women, both in the home and the neighbourhood. And this duality of space in turn reinforces the seclusion and segregation of women. / This thesis studies this phenomenon in rural settlements in South Asia in regions where Muslims predominate and also in non-Muslim areas influenced by centuries of Muslim rule. The living patterns of rural women and how they use and perceive their local space formed the focus of the study. / A field study was undertaken in a rural community in Bangladesh. Gender segregation norms and the resulting spatial organization of dwellings of different socio-economic groups were studied and compared. An important premise of the study is how the poor manage to integrate their faith and Islamic customs in their living environment.

The ‘social turn’ in applied linguistics and second language acquisition (SLA) has seen the emergence of a range of socially-oriented perspectives, such as sociolinguistic, sociocultural, socio-historical and situated learning, yet this has not resulted in L2 learners’ social origins and backgrounds being given sufficient attention in L2 research. The present study therefore argues for taking a sociology of language learning perspective to investigate L2 learners’ social biographies and their academic achievement in English. This social perspective is informed by the sociology of education as well as critical approaches to applied linguistics. Learners’ social biographies consist of learner-internal (personal) and -external (social) factors. These factors are conceptualised as learner habitus and family educational capital (economic, social and cultural) respectively, with reference to Bourdieu’s theories in the sociology of education. The study investigates secondary school students’ English learning outcomes in relation to their habitus and family capital situations in a rural context in Bangladesh. It uses a mixed methods research design and draws on both quantitative and qualitative data. It also utilises multiple perspectives, provided by 10th grade students (n = 228) and their English teachers, head teachers and parents. The data collection instruments include a questionnaire survey, an English proficiency test and participant interviews. The study shows that aspects of family economic and cultural capital and learner habitus are significantly associated with the students’ English achievement. However, social capital, operationalised as parental input into the students’ English studies, is not associated with their academic achievement in English, although it is significantly correlated with learner habitus and parental education. The students’ perceptions of their family capital situations and the perceived impact of these situations on their academic experience were supportive of structuralist determinism. Despite the constraining effects of family capital disadvantage on academic experience, disadvantaged students can neutralise these effects by means of their habitus and thus negate social determinism in the context of their scholastic achievement. The study also shows that contrary to the widening gap in the academic achievement of students in favour of females in many social contexts, the female students in the present context performed somewhat less well than their male counterparts in the school-leaving examination. Finally, the students’ English learning and academic outcomes were embedded in their social biographies. Their academic achievement or underachievement cannot be fully understood without recourse to their familial and social worlds, their lived experiences, their desires for better futures and their disadvantage, and lack of means to pursue those desires.Despite some caveats, the findings have important implications for the theory and practice of teaching English in Bangladesh and other social contexts. First, it is necessary to include both learner-internal and -external family/social factors in the investigation of L2 learners’ English learning experience and outcomes. Second, ELT policies should have provisions that address these beyond-the-school factors in order to develop English language skills across social classes and geographic locations. Finally, schools should embrace the question of inequality in English learning outcomes and devise mechanisms for the reduction of inequalities within their limited resources and capacities. The major contribution of the study is to our understanding of the factors associated with English language learning in rural communities in developing societies. In particular, the study substantiates non-cognitive, non-methodological and non-curricular approaches to EFL/ESL. Identification of these factors is facilitated by the perspective of sociology of English learning and the concept of social biography. In addition, the study designs a theoretical and conceptual framework and instruments for researching student achievement in English in relation to family capital and learner habitus.

As a culturally distinctive region, Asia was chosen as the sample for this study. This empirical study investigated what the major trends of democratisation were in Asia between 1981 and 2005: why some countries became democratic while other countries failed to follow suit during that period. The main research hypothesis was: “That is it was mainly economic development that drove democratisation in Asia between 1981 and 2005”. Although some studies have studied the impact of economic development on democratisation in Asia, their findings have been inconclusive and focuses sometimes different. [To investigate the research hypothesis, 24 Asian countries were selected…measurement tools used etc…] For this research work, statistical and case study methods were applied. The data used in the analyses were collected from established data sources e.g. Freedom House (Freedom in the World, n.d.) and United Nations Statistics Division (UN Stat, n.d.). Repeated Measures in Linear Mixed Modeling (LMM) were used to analyse the quantitative data. Three case studies supplemented the findings of statistical analyses. Historical information and institutional and legal facts were also used in the case studies. This study found that increases in the level of economic development along with its equitable distribution in society and positive roles of political actors increase the level of democratisation in Asia. Some pro-democratic political and social institutions, such as tradition of parliamentarianism, and international organisations, for example Bretton wood institutions, also led to democratisation. A low extent of national political divide was found to result in a considerably high level of democratisation in a country where confrontation between major political forces is the main feature of politics. This study also found that a partial democracy with Asian values, economic legitimacy, a lack of corruption and a “systematic control” over opposition politicians can survive, and is not prone to higher level of democratisation. The Taiwan case revealed that, amongst other factors, the role of political actors and economic equity along with economic development is also vital for democratisation. The Singapore case explained how a “hybrid regime” in a rich country outsmarts democratisation. The study of Bangladesh provides an idea about other elements, e.g. lower level of political confrontation, that push for higher levels of democratisation.

Women and men are equal by law in Bangladesh, but the societal reality shows a different picture. By illuminating the obstacles women face when entering and choosing an engineering and science program and what enables women to overcome obstacles, this thesis aims to answer why there are fewer women than men at Bangladesh University of Engineering and Technology (BUET).     This thesis was a field study conducted at BUET. Questionnaires was handed out to get a broader perspective of women’s experiences within science and engineering while the interviews aimed to get an in-depth perspective of women’s own experiences being in science and engineering. The empirical data has been analysed using the Social Cognitive Career Theory (SCCT), the domestic responsibilities model and previous research about social norms within science and engineering and female networks. The thesis concludes that there are two main explanatory factors why there are fewer women than men studying science and engineering at BUET. Those factors are the social construct that science and engineering programs are more appropriate for men and that families do not have a beneficial Socioeconomic Status (SES) to allow women to study. The main factor enabling women to study and pursue an engineering and science program is family support.

This research examined the role of facilitating agencies in promoting public-private partnerships (PPP). Bangladesh's solid waste management sector was taken as a case study. As is the case in many developing countries, municipalities in Bangladesh could not cope with rapid urbanization resulting in a large proportion of solid waste remaining uncollected. The private sector took the opportunity to fill this gap in service. They started providing house-to-house garbage collection and charging citizens for this service. Therefore, two streams of service providers-public and private-became active in the sector. In some cities the two streams remained separate without coordination. In other cities the two sectors formed partnership with support from facilitating agencies. This research investigated the roles played by the facilitating agencies. Three broad aspects were investigated: (1) necessity of facilitating agencies, (2) the role of a facilitating agency in sustainability of partnership, and (3) the role of a facilitating agency in effectiveness of partnership. Four cities were included in the study with varying degree of PPP and facilitation. Primary data were collected from public and private sector staff, elected representatives, and citizens through interview, questionnaire survey and observation. PPP is a promising mechanism for urban service delivery. This study on the role of facilitating agencies may illustrate how to achieve and sustain PPPs in developing countries.

This essay focuses on the topics of sexism and the function of gender and oppression in Monica Ali’s Brick Lane. Instances in the novel are related to real world incidents in order to show how Ali, in spite of her Western upbringing and perspective, has accurately depicted several problematical cases of injustice in Muslim culture. Even though Ali has been criticized for her, supposedly, incorrect portrayal of Bangladeshis in London, this essay will argue that the topics of the novel remain relevant in the larger scheme of Muslim society.