Banking sector plays an important role in the economic development of a country especially

Adequate availability of credit on time is an important requirement for the rural people, particularly under conditions of scarcity of resources and uncertainty. Convenient and safes-saving facilities are perhaps even more important to smooth out the peaks and troughs in incomes and expenditures in the rural arena. Lack of savings facilities also force families to rely on inefficient, inconvenient and costly alternatives. Agricultural credit can be a solution for this perspective. In Bangladesh most of the agricultural credits are the small-scale loans for the poor entrepreneurs. It allows them to access in the lending institutions to borrow fund and start their own business for rural development. Several financial institutions developed several strategies, including provision of small loans to the rural poor without collateral. These loans are repayable in predetermined installments. Borrowers are organized into groups, which reduces the risk of being default. These credits also help disseminating valuable information about the borrowers and their living standards. In Bangladesh mainly nationalized Banks and specialized Banks are currently burdened with classified loans. But the collateral free financing offers a new opportunity to invest their funds with little risk. Previous experiences of financial institution show that small credits have proven feasible of lending to the poor for rural development. Therefore, we can say that if they can engage themselves efficiently, agricultural credit will accelerate the developmental activities in rural areas of Bangladesh.

Contemporary business world is very much competitive and the success in the competition is achieved mainly through giving satisfaction to the ultimate consumer. In service oriented industry, it is very difficult to set a standard rule to satisfy customers. Several factors influence customer's decision making to take the service from an organization. The banking industry is a service industry; it provides the customer various financial services. So a banking organization must be keen in identifying the factors which influence their decision in taking the financial service. Thus the bank also needs to know the perception and satisfaction level of the customers about their performance. From the study it is found that significant portion of customers is businessman and private service holder. The customers' satisfaction level towards the overall performance level is quite better. The most positive response factors are products (Average mean value 4.41), procedures of services (average mean score 3.99, charges (average mean score 4.00) and performance of the employee (average mean value 4.11). They are neutral in rate of interest (average mean score 3.67) and physical environment and support (average mean value 3.60). In the last part analysis of the variation in opinion due to demographic difference, it is found that the businessmen are more satisfied by the overall services of BASIC Bank Ltd, Khulna Branch than the service holders. And the customer whose income is between TK. 10000-40000 is more satisfied than the other two groups on average. Moreover, customers whose income is between TK.40000-80000 is less satisfied on average of the six factors. So BASIC Bank Ltd, Khulna Branch need to be concern to remove their dissatisfaction through adopting new mechanism and it will help the bank win customers and increase their profitability.

In Bangladesh, it is not blamed to pollute environment compare with other countries. Amount

This paper is a comparison the volatility of price between Dhaka stock exchange (DSE) and Chittagong Stock Exchange (CSE). I did this study on volatility as a part of academic course of Research Methodology and Dissertation. The main objective of this study is to determine whether the markets are same volatile or not. Volatility is the most basic statistical measure. It can be used to measure the market risk of a single instrument or entire portfolio of investment. Investors, regulators, brokers, dealers and the media have all express concern over the level of stock market volatility. After market crash of 1996, individuals as well as corporate investors along with the regulators have become conscious about the volatility and felt importance of information regarding market to take good investment decision. This paper also discussed about the preliminary concept of volatility. For analysis of data I have consider only year 2004. Standard deviation, coefficient of Variation, F-test and monthly return is calculated. All the result shows the same picture. CSE is more volatile than DSE. The CSE30 and DSE20 also show the same result. Interesting finding is that general price is less volatile than CSE30 and DSE20. It implies that the top 20 and 30 securities influence the whole market. If the price of these securities increases, the price index increases. Ups and downs of the price of these securities in CSE is higher than that of DSE. Although investors are suffering from lack of information about the quality of securities, they take investment decision considering the general price index of two markets. Some time it may mislead the investor the differences of indexes of two markets. As the base of these two indices is different they can consider the percentage change in indexes and standard deviation of the indexes. Though the calculation is based on only the index one individual investor can calculate the return from individual security and then can take the portfolio investment decision. In this study individual securities are not considered as it would take massive calculating and data collection operation. Despite of these limitations it can easily be told that Chittagong Stock Exchange is more volatile than Dhaka Stock Exchange.