Climate Change & its Impacts on Bangladesh

Introduction:

Nowadays cliamte change is the biggest problem of the human being. It is already happening and represents one of the greatest environmental, social and economic threats facing the planet. At present every country is being concious about cliamate change.

“Cliamte change is no longer some far-off problem; it is happening here, it is happening now.”        

                                                                                                            Barack Obama

President of United States of America

“Climate change constitutes a serious injustice and must be acknowledged by the global community, We are bearing the brunt of the damage though we made negligible or no contribution to the menace.”

Sheikh Hasina

Honrable Prime Minister of Bangladesh.

Bangladesh is one of the largest deltas in the world which is highly vulnerable to Natural Disasters because of its Geographical location, Flat and low-lying landscape, Population density, Poverty, Illiteracy, Lack of Institutional setup etc. In other words, the Physical, Social as well as Economic conditions of Bangladesh are very typical to any of the most vulnerable countries to Natural Disasters in the world. The total land area is 147,570 sq. km. consists mostly of Floodplains (almost 80%) leaving major part of the country (with the exception of the north-western highlands) prone to flooding during the rainy season. Moreover, the adverse affects of Climate Change – especially High Temperature, Sea-level Rise, Cyclones and Storm Surges, Salinity Intrusion, Heavy Monsoon Downpours etc. has aggravated the overall Economic Development scenario of the country to a great extent.

Bangladesh has got a population of around 161 million (2016) with a life expectancy at birth of around 71 years, and an adult literacy rate of 61.5%. The recent Human Development Report ranks Bangladesh number 142 of 188 nations. Bangladesh has an average annual population growth rate of around 1.37% , almost 75% of the population lives in rural areas and a population density of 1063 (people per sq. km.). Bangladesh is predominantly Agricultural with two thirds of the population engaged in farming or Agro-based industrial activity mainly. The climate of Bangladesh can be characterized by High temperatures, Heavy rainfall, High humidity, and fairly marked three seasonal variations like Hot Summer, Shrinking Winter and Medium to Heavy Rains during the Rainy season.

Climatic Impacts:

Bangladesh experiences different types of Natural Disasters almost every year because of the Global Warming as well as Climate Change impacts, these are:  

Floods / Flash Floods (Almost 80% of the total area of the country is prone to flooding).

Cyclones and Storm Surges (South and South-eastern Parts of the country were hit by Tropical Cyclones during the last few years).

Salinity Intrusion (Almost the whole Coastal Belt along the Bay of Bengal is experiencing Salinity problem).

Extreme Temperature and Drought (North and North-western regions of the country are suffering because of the Extreme Temperature problem).

Sectoral Impacts

Agriculture and Fisheries:

As already mentioned earlier, the economy of Bangladesh is based on Agriculture mainly, with two thirds of the population engaged (directly or indirectly) on Agricultural activities; although the country is trying move towards industrialization slowly during the last one and a half decade almost. So, the overall impact of Climate Change on Agricultural production in Bangladesh would be wide spread and devastating for the country’s economy. Beside this, other impacts of Climate Change such as - Extreme Temperature, Drought, and Salinity Intrusion etc. are also responsible for the declining crop yields in Bangladesh. Temperature and Rainfall changes have already affected crop production in many parts of the country and the area of arable land has decreased to a great extent. The Salinity intrusion in the coastal area is creating a serious implications for the coastal land that were traditionally used for rice production.

The fisheries sector has also experienced an adverse affect because of the impacts of Climate Change. The fisheries sector contributes about 3.69% of the GDP in Bangladesh and people depend on fish products in order to meet up majority of their daily protein requirements. There are around 260 species of fish in the country and almost all the varieties are sensitive to specific salt and freshwater conditions.

Water Resources and Hydrology:

In a high density country like Bangladesh, the effects of Climate Change on the Surface and Ground water resources will be very severe and alarming. Changes to water resources and hydrology will have a significant impact on the country’s economy, where people mostly depend on the Surface water for Irrigation, Fishery, Industrial production, Navigation and similar other activities.

Coastal Areas:

Almost one forth of the total population of the country live in the coastal areas of Bangladesh, where majority of the population are some how affected (directly or indirectly) by Coastal Floods / Tidal Surges, River-bank Erosion, Salinity, Tropical Cyclones etc. With the rise of Sea-level  up to one meter only, Bangladesh could lose up to 15% of its land area under the Sea water and around 30 million people living in the coastal areas of Bangladesh could become Refugees because of Climate Change impacts. Agriculture, Industry, Infrastructure (School, Hospitals, Roads, Bridges and Culverts etc.), Livelihoods, Marine Resources, Forestry, Biodiversity, Human Health and other Utility services will suffer severely because of the same. Salinity Intrusion from the Bay of Bengal already penetrates 100 kilometers inside the country during the dry season and the Climate Change in its gradual process is likely to deteriorate the existing scenario to a great extent. Since most of the country is less than 10 meters above Sea level and almost 10% of the population of the country is living below 1 meter elevation - the whole coastal area is Highly Vulnerable to High Tides and Storm Surges. Moreover, the Bay of Bengal is located at the tip of the north Indian Ocean, where severe Cyclonic storms as well as long Tidal waves are frequently generated and hit the coast line with severe impacts because of the Shallow as well as Conical shape of the Bay near Bangladesh.

Forestry / Biodiversity:

Bangladesh has got a wide diversity of Ecosystems including Mangrove forests at the extreme south of the country. The “Sundarbans” a World Heritage, is the largest Mangrove Forest in the world, comprising 577,00 ha of land area along the Bay of Bengal. A total of 425 species have been identified there, the most significant is the famous Royal Bengal Tiger. Therefore, Climate Change impacts will have negative effects on the Ecosystem of the Forest recourses in Bangladesh while the Sundarbans is likely to suffer the most.

Urban areas:

Cities and Towns situated along the Coastal belt in Bangladesh are at the Front line of Climate Change related Disaster impacts and could experience a severe damage directly because of the Sea level Rise and Storm Surges at any time. Direct impacts may occur through the increased Floods, Drainage congestion and Water logging as well as Infrastructure Damage during extreme events. The important Urban sectors that suffered severely by the previous floods in Bangladesh include Urban Infrastructure, Industry, Trade, Commerce and Utility services etc. As consequence, it hampered usual productivity during and after major floods and hence increased the vulnerability of the urban poor by many folds. It should be mentioned here that, around 40 per cent of the urban population in Bangladesh lives in the Slum and Squatter settlements of the major cities which are highly prone to Disaster risk during Flooding further.

Vulnerable groups:

The Urban poor are therefore directly at the risk of Natural Disasters being enhanced by the impacts of Climate Change - especially in the absence / shortage of the necessary Infrastructure as well as Employment opportunity for them in the major cities of the country. In Bangladesh, Women are especially Vulnerable because of the Gender inequalities in the Socio- economic and Political institutions. During the 1991Cyclone and Storm surge in Bangladesh, the death rate in case of women was almost five times higher than the men. Because men were able to communicate with each other in the public spaces, but the information did not reach most of the women timely.

Conclusion:

Dear Global Citizens... and Friends of the Global Village...!

The Glaciers are Melting, Sea-level is Rising since the World is getting Warmer - our Coast line, Green Villages, Paddy fields, Schools, Hospitals, Markets are sinking... Please, come forward and let’s fight our Common Problems together...!

People are losing their Homesteads, Agriculture fields, Sweet water Ponds, Fishery, Poultry, Livestock and every thing... Becoming Homeless - taking shelter in the roadside Unhygienic Squatters and Slums. Once upon a time – they had Sweet Families along with all the members - Mom-Dad, Brothers-Sisters, Husband-Wife, Sons and Daughters...! They were surrounded by Greeneries, Water bodies, Vegetable gardens and Fruit trees - Cows, Goats, Hens and Ducks were common in every family... now, all are sweet memories...! Small Boats used to play in the Canals and Rivers - were the main mode of Transportation That Village was like a piece of Heaven... they lived for generations...!

Dear Friends, let’s Protect our Lovely Planet as the Safe Home for our future Generation...
Please... Let’s not think, Climate Change as an Individual Problem of any country or nation – Let’s think, it’s our Common Issue, we’ve to face efficiently as “Citizens of the Global Village” from now on...!  

Vision 2021 : Digital Bangladesh

Digital Bangladesh Vision 2021 will need from both Public and Private sector an infusion of resources, leadership and ICT centered development if it is to be made meaningful. Over the last few decades, the world has been shifting from industrial to knowledge-based societies; the ability of a nation to use and create knowledge capital determines its capacity to empower and enable its citizens by increasing human capabilities. Easy access to knowledge, creation and preservation of knowledge systems, dissemination of knowledge and better knowledge services should be core concerns of the Digital Bangladesh Vision 2021.

Bangladesh should be part of a well-crafted national strategy and “Digital Bangladesh”, needs to be the cornerstone strategy for Bangladesh. We have to build a people-centered, development-oriented Information Society, where everyone would be able to access, utilize and share information and knowledge easily and efficiently. The concept of Digital Bangladesh should be centered on the creation of what is popularly termed as a "knowledge-based society," Information and communication technologies (ICTs) are a critical component for building this knowledge-society. Our ability in creating and disseminating knowledge will eventually drive the nation’s growth in the coming days. A digital society ensures an ICT-driven knowledge-based society where information will be readily available online and where all possible tasks of the government, semi-government and also private spheres will be processed using state of the art technology.

The first and foremost challenge to materialize the Digital Bangladesh Vision 2021 would be to ensure overall connectivity at an affordable cost. With the intent to enhance connectivity emphasis should be provided on the establishment of infrastructures to “Connect the Unconnected” and importance must be given on laying more optical fiber to reach the marginal people of the country. Digital Bangladesh Vision 2021 should establish technology-driven e-governance which includes e-administration, e-education, e-health, e-commerce, e-production, e-agriculture, etc. in the five focus areas of the knowledge paradigm:

1) Access to Knowledge
2) Knowledge concepts
3) Creation of Knowledge
4) Knowledge Applications
5) Delivery of Services

1. Access to Knowledge:
Providing access to knowledge is the most fundamental way of increasing the opportunities and reach of individuals and groups. Therefore, means must exist for individuals who have the ability to receive and comprehend knowledge to readily obtain it. This also includes making accurate knowledge of the state and its activities available to the general public. Project, should be immediately initiated with an objective to facilitate the establishment of a firm presence of Bangladesh Government entities on the Web with two way communication capability or Web 2.0. The Programme requires provision of an entire spectrum of web services to the Government sector as well as running specialized Portals for the benefit of citizens and other stakeholders.

2. Knowledge Concepts:
Knowledge concepts are organized, distributed and transmitted through the education system and that’s why we need an NREN in Bangladesh. It is through education that an individual can make better informed decisions, keep abreast of important issues and trends around him or her and most importantly, question the socio-economic arrangements in a manner that can lead to change and development. In fact, a successful "Digital Bangladesh" would need a more literate population. A mass computer-literacy programme or even a government-sponsored computer course, offered perhaps as an incentive for every student who completes his or her secondary-school education, would benefit everyone. If there is will - backed by investment - there is a way.

3. Creation of Knowledge:
A nation can develop in two ways – either it learns to use existing resources better, or it discovers new resources. Both activities involve creation of knowledge. This makes it important to consider all activities that lead to the creation of knowledge directly or help in protecting the knowledge that is created. To realize the aspirations of the 2021 vision, the country must be able to produce its own engineers, scientists and technological know-how.

4. Knowledge Applications:
Knowledge can be productively applied to promote technological change and facilitate reliable and regular flow of information. This requires significant investment in goal-oriented research and development along with access models that can simplify market transactions and other processes within an industry. Initiatives in the areas of agriculture, small and medium enterprises (SMEs) and traditional knowledge can demonstrate that knowledge can be very effectively applied for the betterment of the rural poor.

5. Delivery of Services:
Knowledge services have the potential to simplify many different points at which citizens interact with the State. Traditionally, these points of interaction have been vulnerable to unscrupulous activities and rent-seeking. We need to set the bureaucracy under an e-governance initiative, with a transparent file tracking system that the public can access. This will, right away, reduce corruption, because everyone involved in the process can be tracked down. Technology provides us with an opportunity to ensure accountability, transparency and efficiency in government services. E-governance is one of the ways in which citizens can be empowered to increase transparency of government functioning, leading to greater efficiency and productivity. E-Governance aims to place the government within the reach of all citizens increasing transparency and citizen's participation. Thus, the development of e-Governance should promote universal access to government's services, integrate administrative systems, networks, and databases, and make such information available to the citizen via Internet. In a nutshell such e-Governance should transform the government into a citizen centric technological driven one.

There are various dimensions to building a Digital Bangladesh, all of which are equally important pillars. A Digital Bangladesh may constitute the following goals:


1) Build excellence in the educational system to meet the knowledge challenges of the 21st century by strengthening the education system, promote domestic research and innovation, facilitate knowledge application in sectors like health, agriculture, and industry.

2) Leverage information and communication technologies to enhance governance and improve connectivity that allows ICT-based services to be deployed equitably throughout the nation.

3) Devise mechanisms for exchange and interaction between knowledge systems in the global arena.

4) Promote creation of knowledge in S&T laboratories that utilizes information technologies and communication networks for dissemination and exchange of knowledge.

5) Promote knowledge applications in agriculture and industry so that they can use ICTs for marketing and promotion of its products, for producing internal efficiencies, and for communication and transaction between entities.

6) Promote the use of knowledge capabilities in making government an effective, transparent and accountable service provider to the citizen and promote widespread sharing of knowledge to maximize public benefit.

INTERNSHIP REPORT ABOUT EMPLOYEE SATISFACTION IN IFIC BANK

Acknowledgement

 First of all, I extend my profound gratitude to the Almighty Allah, the omnipresent and omnipotent, who helped me accomplish this task on time. I feel satisfied and glad that I have completed this study within specific duration. This internship report might never have been completed without the necessary practical knowledge, assistance of many books, articles, websites, and primary data. It enhanced my knowledge on employee job satisfaction. Thanks to all those persons, who have assisted me, providing me co-operation, books and articles, I would like to express my special gratitude to my supervisor Ms. Raihana Mannan, Lecturer of BRAC Business school of BRAC University, for her motivating inspiration, kind direction, valuable suggestions & advices during my internship period and to prepare this report. I was placed in IFIC Bank Limited to work as an intern from July 1st, 2014 to September 30th, 2014. The members and management of IFIC Bank Ltd was very co-operative and helpful. They helped me through providing various data, guidance and direction. I am grateful to Md. Nurul Hasnat, Manager of IFIC Bank Ltd, Gulshan Branch for his cooperation and necessary support. Finally I want to express my special thanks to Mrs. Anwara Begum, SAVP, IFIC Bank Ltd., Gulshan branch, under whom I have completed my three months internship program.

Executive Summary 

This study is the result of my internship program ran for the past three months placed at the IFIC Bank Ltd. Gulshan Branch, Dhaka. International Finance Investment and Commerce Bank Limited is one of the first generation banks. It has already developed reputation among the users. The bank operates its all products as the Gulshan Branch is middle of the city. As a result the branch has to deal with commercial and non-commercial clients. Therefore, the branch has all level of employees of the bank. Since my internship program was directed to understand the level of job satisfaction, I had to gain the practical area of responsibilities and of accountabilities of the employee so that I could interact with them to assess their views about and relations with the organization. I tried best to ask the staffs directly and indirectly to gather my information. However, I had a good access to the bank‘s publications. My task was designed to understand the level of job satisfaction of the employee of the IFIC Bank Ltd. Gulshan Branch. For preparing this report I used primary and secondary data. The objectives of the report were understood level of job satisfaction of the employees of the IFIC Bank Ltd, Gulshan Branch. So, the research was designed to achieve it. The previous studies on this issue practically and empirically learnt that job satisfaction largely depends on the number of interrelated components such as workplace, salary, training, lack of gender discrimination, neutral promotion policies. Despite differences in opinions made by the employees of the organization on what the study was conducted, what the study finds is that they are highly satisfied in their jOB


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INTERNSHIP REPORT ABOUT STANDARDS AND EFFECTS OF EMPLOYEE SATISFACTION

The basic function of telecommunication is to connect people through voice transfer and via Internet. Apart from this basic function, telecommunication has already started introducing some diversified areas with the help of its mobile network. Mobile technology is presently providing various cheap solutions in people's daily life. The traditional thinking of connecting people through mobile phone is far behind in comparison with the present scenario. Information technology enables telecom companies to provide economic solutions with a very cheap and easily available access, which was earlier costly and not accessible to some extent. Today, “The Globe is a village” and telecommunication has become a day-to-day necessity of the people. Nearly 35 million people own and use mobile phones as an important device and depend on these for their ultimate connectivity. Mobile phone is becoming a very common measure of communication in our country. The number of mobile user is increasing day by day. It is a very attractive market for the mobile connection providers. Presently there are six companies in the market. Each of them is trying to maintain and increase their market share. Among them Robi Axiata Limited is one of the leading companies in this sector.

 1.1 ORIGIN OF THE REPORT
 Internship Program of BRAC University is a Post-Graduation requirement for the BBA students. This study is a partial requirement of the Internship program of BBA curriculum at the BRAC University. The main purpose of internship is to get the student exposed to the job world. Being an intern the main challenge was to translate the theoretical concepts into real life experience. The internship program and the study have following purposes: To get and organize detail knowledge on the job responsibility. To experience the real business world. To compare the real scenario with the lessons learned in BRAC University To fulfill the requirement of BBA Program. This report is the result of three months long internship program conducted in Robi Axiata Limited and is prepared as a requirement for the completion of the BBA program of BRAC University. As a result I need to submit this report based on the “Standards and Effects of Employee Satisfaction At of Robi Axiata Limited”. This report also includes information on the products and services of Robi Axiata Limited, the overview .....

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Disinfect method of fish ZOOLOGY

Disinfection is the process, which involves the elimination of most pathogenic microorganisms (excluding bacterial spores) on inanimate objects. Chemicals used in disinfection are called disinfectants. Different disinfectants have different target ranges, not all disinfectants can kill all microorganisms. The act of disinfecting using specialized cleansing techniques that destroy or prevent growth of organisms capable of infection.

Thebasic goal in disinfection is interruption of the infection transmission mechanism by disinfecting various objects (water, food products, objectsof everyday use, and the like).

Disinfect method of fish

There are three basic techniques for treating fish. They are as follows:

1. Adding drugs to the water (Water-borne drugs): Drugs may be added to the water in three different ways-

a. Dip method: In this technique, a concentrated chemical solution is made up in tank. Fishes or eggs are placed in hand net or trays and dipped into solution for few seconds. This method is used for disinfection of raceways and aquaria for control of the disease.

b. Bath method: The most common method of administrations therapeutic agents to fish is bathing in water-soluble compounds. This may carried out in ponds or tanks. Where the water is static during treatment and the fish are left in solution for certain period. Fish suffer from many external diseases (parasitic, fungal and bacterial) can be treated by this method. There are three types from bath treatments. The difference between these bath treatments is the concentration of the chemical applied and the period of time that the fish are in contract with chemical.

i. Dip bath: The fish is dipped into a concentrated chemical bath for a short period of time, often less than one minute. Prolonged exposure to the chemical at the high concentration delivered in a dip would be fatal to the fish. Because of fatalities can easily result from an improperly administered dip treatment, and because diseased



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Research of Freshwater molluscs and bivalve of Turag river in bangladesh

Abstract

Bivalve molluscs are key components of the estuarine environments as contributors 

to the trophic chain, and as filter –feeders, for maintaining ecosystem integrity. 

Further, clams, oysters, and scallops are commercially exploited around the world 

both as traditional local shellfisheries, and as intensive or semi–intensive farming 

systems. During the past decades, populations of those species deemed of 

environmental or commercial interest have been subject to close monitoring given 

the realization that these can suffer significant decline, sometimes irreversible, due 

to overharvesting, environmental pollution, or disease. Protozoans of the 

genera Perkinsus, Haplosporidium, Marteilia, and Bonamia are currently recognized 

as major threats for natural and farmed bivalve populations. Since their identification, 

however, the variable publication rates of research studies addressing these 

parasitic diseases do not always appear to reflect their highly significant 

environmental and economic impact. Here we analyzed the peer– reviewed literature 

since the initial description of these parasites with the goal of identifying potential 

milestone discoveries or achievements that may have driven the intensity of the 

research in subsequent years, and significantly increased publication rates. Our 

analysis revealed that after initial description of the parasite as the etiological agent 

of a given disease, there is a time lag before a maximal number of yearly 

publications are reached. This has already taken place for most of them and has 

been followed by a decrease in publication rates over the last decade (20– to 30– 

year lifetime in the literature). Autocorrelation analyses, however, suggested that 

advances in parasite purification and culture methodologies positively drive 

publication rates, most likely because they usually lead to novel molecular tools and 

resources, promoting mechanistic studies. Understanding these trends should help 

researchers in prioritizing research efforts for these and other protozoan parasites, 

together with their development as model systems for further basic and translational 

research in parasitic diseases.

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Investigation and reasearch of the helminth parasite community of Channa punctatus. identify different groups In bangladesh

Introduction

Bangladesh is a riverine country. So it has a vast freshwater areas, including several 

inland water, there tributaries and sea area. Although freshwater of Bangladesh 

abound with a large variety of fish, systematic position of these fishes has not been 

adequately studied in the past, especially from the point of view of modern 

The estuarine is quite extensive. There are an estimated 43.37 lakh ha inland water, of 

which 40.5 lakh ha open waters i.e. rivers, canals, beels, haors, flood plains etc. and 

1.5 lakh ha  of closed water bodies including ponds and tanks, about 1.4 lakh ha of 

shrimp ghers in the coastal region. There is an area of 1.66 lakh square-km of marine 

waters, including territorial and economic zone (BFRSS, 1986).

The ecosystem of tropical and subtropical region supports a large variety of fishes 

which provides an important source of protein to the community and source of 

income. Among freshwater fishes snake headed fishes are regarded as a valuable food 

because their flesh is claimed to be rejuvenating and easy source of protein to general 

people having a wide range of geographical distribution.

In the economy, the role of fishery of Bangladesh is quiet significant. It provides 

nutrition, income generation, employment and exchange earnings. Providing an 

estimated 12 lakh eiadeshis directly and one crore indirectly. Fisheries sector 

contributed 4.43% to national GDP and 22.21% to the agricultural GDP and 2.73% to 

foreign exchanges by exporting fish products in 2010-11 (DOF, 2013). Fish provides 

60% of national animal protein consumption. This section contributes 4.7% of GDP 

12% of foreign exchange earnings. It provides 10% of the country’s labor force with 

1.4 million full time professional fisherman and 11.0 million part time fisher folk.

Parasitology has emerged as a science in its own right from parasitology. Parasites 

occupy definite position in the animal kingdom for remarkable adaptation and come 

from every phylum together form interspecific interaction called “Parasitism”. The 

composition of the parasites depends on various environmental factors such as: 

geographical location of the habitat, season of the year, physicochemical parameters

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How To Write A Verification of Bank Documents

Date: 19/04/15

To

The Manager

Islami Bank Bangladesh Ltd.

Meherpur Branch

Meherpur .

Sub: Verification of Bank Documents.

Dear Sir,

I am , Vill: Khanpur, Post: Dariapur, Thana: Mujibnagar , Dist: Meherpur . I have been maintaining a savings account since Date………….. And One Fixed Deposit account since Date 20’January-2015  With your Bank.

My son (Name) has the opportunity to go on further study at Whitireia Community Polytechnic, Graduate in Applied Business in New Zealand.

I am sponsoring and will bear partial educational Expense during his stay in New Zealand.

In this Regard my related document including bank document will be verified by BNZEF, Dhaka Office.

I Request you to kindly full co-operate with BNZEF official when they visit your Bank for investigation.

(Special instruction for statement print out and Account Information).

Thank you

Signature

Savings Account:                                                                                              FDR Account:

                                                                                                                 

How To Write a Police Clearance Certificate

To
Police Commissioner/ Superintendent of Police
Chittagong Metropolitan Police
Head Quarter, Chittagong
Subject: Application for Police Clearance Certificate
Sir
I, Your Name would like to state that I want to go abroad for stay in. I need Police Clearance Certificate for this reason. According to my passport, my particulars are given below for your kind consideration.
Name: Your Name
Parents’ name:
Father’s Name: Your Fathers Name
Mother’s Name: Your Mothers Name
Address [present and permanent]:
Your Address
Passport no: <Passport No> Date and place of issue: Date of Issue, Dhaka, Bangladesh
I therefore pray and hope that you would be kind enough to issue me the certificate.

Sincerely yours

_______________
Your Name

Date: 04 APR 2015
Phone: +88 017XXXXXX_

Assignment and Research on Credit Risk Management of Janata Bank Limited

1.1 Statement of the research problem

A bank is a financial organization which provides different types of services to its customers benefit. It deals with deposits and advances and other related services. Now the time is very much competitive for every industry as well as in banking industry. To keep the strong position in this competitive industry banks are frequently looking for ways to offer superior customer service which will facilitate them to prevail and keep customers. Janata bank limited is not out of this. To maintain its strong position in this competitive world they are also providing different types of credit to its customers and trying a lot to keep their customers satisfied. The statement of the research problem includes:

Ø  What are the internal and external risk factors of Janata Bank Limited?

Ø  What is the process of providing loans?

Ø  What are the sectors in which Janata Bank Limited gives more priority in sanctioning credit?

Ø  What are the main reasons for default loans?

Ø  Measuring the performance of credit of Janata Bank Limited.

Ø  How to improve credit risk of Janata Bank Limited?

1.2 Background of the study

Now we are living in the age of competition at anything in any places. From that tendency recently Education is also in the age of competition. So the procedures and standards of teaching are upgraded by different universities and institution in our country. In respect to that, internship is mandatory for our BBA program offered by Jagannath University. To do so I decided to complete my internship in Janata Bank Limited. In connecting, HRD of Janata Bank sent me to the Sarulia Branch and assigned to prepare this report.

1.3 Objectives of the study

I as a BBA student was assigned with this topic with some objectives; the department has arranged this so that they can complete the academic procedure for my BBA completion. Main and primary objectives behind the preparation of the report are-

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