The above outlined figure describes the loan outstanding in different types of Industries. There are 4 types of industries among which 4 types of private and state owned commercial banks disburse the outstanding amount. They advanced loans among them in two consecutive years namely 2016 and 2017. In 2016, the foreign commercial banks had the 75.10% loan outstanding to the large industries which is the highest amount of loan disbursed among industries in 2016 but soon after the next year it fell down to 73.09%. In 2016, specialized banks had the 69% loan outstanding to the large industries which is second in position but soon after the next year it fell down drastically to 47.57%. State owned commercial banks played vital role in granting loan to the cottage industries in 2016. But their loan outstanding fell significantly to 0.50% in 2017. In this field, private and foreign commercial banks granted loan by 0.23% and 0.74% in 2016 and 0.13% and 0.42% in 2017 respectively. It shows a declined trend in granting loan in the field of cottage industries by private and foreign commercial banks.

In sum, it can be said that the life line of our economy is the small and medium industries. To run these industries smoothly, we need to finance them heavily. Besides, other industries need to be evolved as well. So, to foster them and to letting them evolve, not only state owned commercial and specialized banks has the responsibilities, the private and foreign commercial banks need to come forward while grating loan for them.

Enhancing the Capacity of Human Resources in Bangladesh: Necessity and Challenges

Human resources is used to describe both the people who work for a company or organization and the department responsible for managing resources related to employees. But the concept of human resources emphases the integration of human capital and human needs aspects of human resources in development. There are various components of human resources such as health, education, environment, employment, manpower development and science and technology.

The human resource is the basic raw material and the potent force to build up the nation. It is known that entire people are the real wealth of a nation and considered them as human resources. All the development initiatives depend on people at large. But a large number of people are disadvantaged for not to be as a skilled manpower. The overall development of a country will be absolutely impossible by neglecting the development of human resources.

But there are some challenges of enhancing the human resources in Bangladesh. The main hindrances are overpopulation, education, poverty and malnutrition. Comparing with our given area, this country is burdened with the huge number of population which is increasing day by day in an alarming rate. Our resources are very scarce. This scarce resources are not sufficient enough to generate employment.

Lack of investment in the productive sectors in the another big reason for inefficient manpower in our country. GDP to private and public investment ratio is very low comparing to the other developing nations. Bangladesh is in the lowest position in attracting foreign direct investment. This does make our manpower less unproductive as huge number of working force is awaking for job creation.

Another encumbrance of enhancing our human resources is lack of proper education. It is believed that the education makes people perfect and produces them as an efficient working force. Lack of technical and vocational education is the main reason for unemployment. The prevailing education system produces a lot of clerk rather than produces self-employed individual. So conventional secondary and tertiary education system can not play role in enhancing the human capital of Bangladesh.

Poverty and malnutrition are the stumbling factors work behind producing unskilled manpower in our country. Though huge number of people go abroad each year, but due lack of experience and skill, they are forced to go back their origin which is very much humiliating for our country. People who go abroad should be given proper training. As they are the main foreign currency earners, so the government should pay due attention to them.

Let, Tk. X is the additional money Mrs. Barbara invests at 8% interest

∴ Her total investment = (x + 2,400) Tk.

According to the question,

$$\begin{gathered} (2,400 \times 5\%) + (x \times 8\% ) = (2,400 + x) \times 6\% \\ \Rightarrow 120 + \frac{8x}{100} = \left(2400 + x\right) \times \frac{6}{100} \\ \Rightarrow 120 + \frac{8x}{100} = 144 + \frac{6x}{100} \\ \Rightarrow \frac{8x}{100} - \frac{6x}{100} = 144 - 120 \\ \Rightarrow \frac{2x}{100} = 24 \\ \Rightarrow \frac{x}{50} = 24 \end{gathered}$$

$\therefore x = 1200$টাকা ans.

প্রশ্নে বলা হচ্ছে, একটি বাগানের দৈর্ঘ্য 60 মিটার এবং প্রস্থ 20 মিটার। যদি বাগানের ভিতরে 5 মিটার প্রস্থের একটি রাস্তা থাকে তাহলে এ রাস্তার ক্ষেত্রফল কত বর্গমিটার?

Given that, the length of garden is 60 meter

And the breadth of garden is 20 meter

∴ The area of the garden $= (60 \times 20) = 1,200 m^2$

Now, length without path $= \left[60 - (5 \times 2)\right]$ meter = (60-10) meter = 50 meter

And breadth without path $= \left[20-(5 \times 2)\right]$ meter = (20 - 10) meter = 10 meter.

∴ The area of the garden without path $= (50 \times 10)m^2 = 500m^2$

∴  The area of the path is $= (1,200 - 500)m^2 = 700m^2$. ans.

$$\begin{gathered} \frac{10}{2x-5}+\frac{1}{x+5}=\frac{18}{3x-5} \\ \Rightarrow \frac{10}{2x-5}+\frac{1}{x+5} = \frac{15 +3}{3x-5} \\ \Rightarrow \frac{10}{2x-5}+\frac{1}{x+5} = \frac{15}{3x -5} + \frac{3}{3x -5} \end{gathered}$$

$\Rightarrow \frac{10}{2x-5}- \frac{15}{3x -5} = \frac{3}{3x -5} - \frac{1}{x+5}$ [পক্ষান্তর করে]

$$\begin{gathered} \Rightarrow \frac{10 \left(3x -5\right) - 15 \left(2x-5\right)}{\left(2x-5\right) \left(3x-5\right)} = \frac{3 \left(x+5\right) -1 \left(3x-5\right)}{\left(3x-5\right) \left(x+5\right) } \\ \Rightarrow \frac{30x - 50 -30x +75}{\left(2x-5\right) \left(3x-5\right)} = \frac{3x + 15 -3x +5}{\left(3x-5\right) \left(x+5\right) } \\ \Rightarrow \frac{25}{\left(2x-5\right) \left(3x-5\right)} = \frac{20}{\left(3x-5\right) \left(x+5\right) } \end{gathered}$$

$\Rightarrow \frac{5}{2x - 5} = \frac{4}{x+5}$ [উভয় পক্ষকে 5 দ্বারা ভাগ করে এবং (3x + 5) দ্বারা গুণ করে ]

$\Rightarrow 4(2x-5)=5(x+5)$ [আড় গুণন করে]

$$\begin{gathered} \Rightarrow 8x - 20 = 5x+25 \\ \Rightarrow 8x-5x = 25 + 20 \\ \Rightarrow 3x=45 \\ \therefore x = \frac{45}{3} = 15 \end{gathered}$$

∴ নির্ণেয় সমাধান x = 15 (ans)