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The primary purpose of this research study is to reflect on financial anomalies, especially bank scams in Bangladesh. This study is an empirical approach developed through a well-structured Likert-scaled questionnaire to indicate different human behaviors, psychologies, and emotions that considerably impact financial incongruities in Bangladesh. The proposed model supported the structural equation model (SEM) and used SPSS Amos (Version 24) to build an attitudinal and behavioral model that reflects the complex relationships segment of this paper. Results show people try to rationalize irrational, unethical, and impertinent things and issues to achieve self-gain. Furthermore, corporations are treated as an entity for which they cannot be punished. Apart from this, human natures like greediness, dissatisfaction with what people have, societal status, possession and position, competition with peer groups for luxury, and tendency to imitate bad things are also responsible for bank scams in the Bangladeshi economy. Last but not least bad loan and default culture developed in the banking industry of Bangladesh only lacks execution laws, rules, and regulations.

This paper aims to investigate the relationship between profitability measured with ROE along with EPS and several industry-specific factors such as underwriting risk, reinsurance dependence, solvency margin, leverage, liquidity risk, premium growth, size of the company, tangibility of assets as well as macroeconomic factors such as GDP growth, inflation, and stock market development of the general insurance companies of Bangladesh based on the sample of 7 insurance companies for the period of 2010-2019. For the analyses, several econometric models have been adopted to estimate the coefficients such as Pooled OLS, Cross-sectional GLS, Fixed-effect, Random-effect, and One-step GMM approaches. Moreover, diagnostic tests have also been conducted to examine the validity of the models such as model specification tests, heteroskedasticity tests, multicollinearity tests, autocorrelation tests, and unit-root tests. According to the computed coefficients, none of the macroeconomic variables utilized in the model affects profitability, except inflation, which positively affects ROE. Underwriting risk and size are found to negatively affect ROE but positively affect EPS. Of the two measures of profitability, only the EPS is affected by premium growth. Except for Fixed-effect, reinsurance dependence has a large positive influence on EPS and ROE. In contrast, liquidity and leverage have a positive impact on ROE. The tangibility of assets negatively affects both EPS and ROE where EPS is significant and ROE is insignificant only under fixed effect. Aside from premium growth, underwriting risk and solvency margin have a positive impact on EPS. Finally, using the GMM technique, we find that no lag variables are significant, indicating no profitability persistence. However, the model fits the data well for predicting EPS and ROE as profitability measures explaining 89.38 percent of EPS variation and 80.38 percent of ROE variation using Pooled OLS.

Sexually Transmitted Diseases/ Infections (STDs/STIs) are a major public health problem and a leading cause of morbidity among women in developing countries like Bangladesh. According to WHO, 2006, STDs/STIs ranks second as a cause of healthy life loss among women in the reproductive age group. This research has been conducted on examining knowledge awareness and prevention of STDs among women. It was conducted in two selected slums (Kathalbagan’s Lakkhi slum and Moghbazar slum) of Dhaka city in Bangladesh. This study was conducted through quantitative research and convenience sampling techniques. A structured questionnaire was developed to collect data on knowledge awareness and prevention of STDs/STIs. The study shows that 68.3% of respondents have knowledge about STDs, in this research majority of respondents are not aware of risk factors associated with STDs. This study examines that, for building awareness, majority of respondents preferred “Radio and Television” as the most important media that can build awareness for STDs among slum women. Special counseling is mandatory for the victims, along with sex education. Awareness about healthy sexual behaviors, a hygienic lifestyle, and instruction about the correct use of male condoms should be promoted to reduce the risk of health complications and greatly reduce the spread of STDs not in Bangladesh but also in developing countries.