A field experiment was conducted at the Horticulture Farm of Sher-e-Bangla Agricultural University, Sher-e-Bangla Nagar, Dhaka, from June to October 2021 to evaluate the influence of Clybio concentrations on summer onions (Allium cepa) production. The variety used was BARI Piaz-3. The single factorial experiments were laid out in a Randomized Complete Block Design (RCBD) with three replications. The experiment consisted of four treatments, namely, T0 = control (no Clybio application), T1 = Clybio @ 2 ml/L, T2 = Clybio @ 4 ml/L and T3 = Clybio @ 6 ml/L, and in total, this was applied six times, starting from 10 DAT until 60 DAT and was applied in a foliar manner to both leaves and surrounding soil. Among the treatments, the maximum plant height (60.8cm), the number of leaves per plant (16.7), leaf length (54.2cm), leaf weight (31.3g), diameter of pseudo stem (11.9mm), root length (8.4cm), number of roots (33), bulb diameter (43.8mm), bulb length (52.7mm), weight of a single bulb (45.7g), average bulb yield per plot (33.2 t/ha) was recorded at T3 treatment. The highest length of pseudo stem (49.4 mm) was found in the T1 treatment. On the contrary, the minimum plant height (38.3cm), number of leaves per plant (7.0), leaf length (24.1cm), leaf weight (17.7g), root length (4.5cm), number of roots (26), bulb diameter (22.7mm), bulb length (42.0mm), weight of a single bulb (22.0g), average bulb yield per plot (16.0 t/ha) was observed at T0 (control) treatment. The lowest diameter of the pseudo stem was found at the T1 (7.5mm). No statistically significant variation was found in the length of the pseudo stem (mm) in response to different treatments. When compared to control (T0), the highest increase in yield percentage was observed at T3 treatment (107.5%). A highly significant, very strong (R2 = 0.99) and positive correlation was discovered between bulb weight and root length, indicating that bulb weight increased as root length increased. Considering the aforementioned findings, T3 (Clybio @ 6 ml/L) treatment delivered the best results in terms of growth and yield attributes of offseason onions.

Purpose: A growing body of knowledge describes financial capability as financial knowledge and skills, a combination of financial behavior, or having knowledge and the opportunity to apply it. However, developed knowledge has rarely focused on the financial capability or functioning of the low-income working class constrained by resources and opportunities. This study investigates the financial capability of Bangladesh's low-income readymade garment (RMG) workers, focusing on their financial knowledge and behavior. Methodology: This study has conducted six focus group discussions (FGD) and ten in-depth interviews with RMG workers. The participants for FGDs and indepth interviews are selected purposively covering three industrial cities -Dhaka, Gazipur, and Narayanganj. The FGDs and interviews are analyzed thematically. Findings:The study finds that workers lack knowledge and skills regarding financial products and services and their associated charges and are also very present-focused in financial matters. This research also exhibits the challenges of workers in money management, future planning, information collection and utilisation, and financial product management. Practical Implications: The study contributes to the understanding that lack of knowledge, insufficiency of income, and lack of trust in financial institutions shape the financial functioning of the low-income RMG workers and suggests wage reform and inclusive financial policy for the workers. Originality/Value: This study determines the financial capability of lowincome RMG workers focusing on cognitive and behavioral aspects. It fills the research gap on the financial capability of the low-income working class of Bangladesh in general and the RMG industry in particular. Limitations: The study's results cannot be generalized for low-income workers of other industries as the data is collected from some purposively selected RMG workers. Additionally, the study relies on self-reported data, which may be subject to recall or social desirability bias. The absence of a mixed analysis method is another limitation of the study.