KnM News

The Financial Inclusion Network, Bangladesh (FIN-B), an initiative of the Institute for Inclusive Finance and Development (InM), organised a workshop on ‘Mental Health and Professional Productivity’ in collaboration with Life-spring Consultancy Ltd. and KK Foundation on 25 February 2020. The workshop discussed the mental health issues that directly affect productivity in the work-life and on the ways of attaining a good work-life balance. InM Chairman Dr Qazi Kholiquzzaman Ahmad and Executive Director Dr Mustafa K. Mujeri attended the workshop along with the participants including Executive Directors of FIN-B member organisations, doctors, bankers, psychologists and development practitioners.


The mental health session was conducted by Dr Saydul Ashraf, Lead Psychiatrist, LifeSpring Consultancy Ltd. and explained the importance of building a sound mind to lead a healthy and successful life. He discussed signs of clinical depression, self-discovery and good life philosophy along with a short mental health assessment among the participants. This was followed by a mindfulness session conducted by Dr Shusama Reza, Lead Psychosexologist, Lifespring Consultancy Ltd. At the concluding session, Mr Yahia Md. Amin, Chairman, Lifespring Consultancy Ltd, focused on providing mental health services both to the development target groups and development practitioners. He argued that the people were unlikely to grow to their full potential unless they had a strong mindset to improve their own life. This was the very reason why many development projects had failed to put a long term impact on the poor people. He emphasised on building collaboration among the development practitioners and psychological health service providers.


Dr Qazi Kholiquzzaman Ahmad, Chairman, InM elaborated on the scope of working together for the overall well-being of the deprived people. He argued that human welfare dimensions should not be compartmentalised as these always worked together to enhance human welfare. People's mental well-being and human and other development dimensions were interconnected; and these needed integrated development to lead a dignified life.


Besides, Ms Sifat-E-Azam, Executive Director of the KK Foundation conducted a short session on different activities with street children and an innovative product designed for marginalised poultry farmers. The workshop was concluded with the speech of Dr Mustafa K. Mujeri, Executive Director, InM.


Publish Working Paper 59 `Saving Behaviour and Financial Inclusion of Vulnerable Working Children: A Case of Bangladesh’

While there are many programmes and campaigns to stop child labour, the fact remains that they still continue to work. This is a common phenomenon especially in under developed and developing world. Therefore, savings initiatives for vulnerable street and working children have been garnering policy attention so that they can be brought under financial services. This paper addresses few key issues regarding the saving behaviour of working street children; i) What are the key socio economic
characteristics of the children who save; ii) What factors influence the saving performance of children in terms of utilisation of savings, and finally iii) What are the policy challenges need to be addressed if working children are given financial services.The result shows that income and financial strength of the family plays an important role in influencing the working children to save. It is also found that the female saversutilise the savings more effectively than male savers.Lastly, the paper suggested some policies aiming to foster financial inclusion of children and financial capability. see more


1st International FIN-B Financial Inclusion Conference and Inclusion Fair 2019


The first two-day long FIN-B International Conference and Inclusion Fair 2019 was held at the Krishibid Institution, Bangladesh in Dhaka on 30 July 2019. This was organised by the Institute for Inclusive Finance and Development (InM) in collaboration with event partners including SHIFT SAARC of UNCDF, Concern Worldwide, Bank Asia Limited, bKash,, and Business Finance for the Poor-Bangladesh (BFP-B) project of DFID/UKAid. The first day of the Conference was attended by policymakers, researchers, and representatives from banks, microfinance institutes, government agencies, insurance companies and civil society, among others.

Dr. Mashiur Rahman, Adviser on Economic Affairs to the Prime Minister inaugurated the Conference as the chief guest while the Chairman of InM, Dr. Qazi Kholiquzzaman Ahmad chaired the inaugural session. Dr. Mustafa K. Mujeri, Executive Director, InM welcomed the participants and hoped that the knowledge acquired from the conference would help innovate new pathways to promote the financial inclusion agenda. He added that the Conference would give significant opportunities for cross-learning across the diverse audience over the complex issues and challenges facing the financial inclusion for all agenda in Bangladesh. 



Dr. Mashiur Rahman, in his speech, observed that“Bangladesh is a pioneer in financial inclusion with its strides towards ‘Digital Bangladesh’, rapid development of the financial sector, rich heritage in microfinance, and unprecedented gains in adopting digital finance and expanding mobile financial services. The government treats finance as a powerful tool of inclusive growth and shared prosperity”. He further observed that financial inclusion of the poorest; particularly their access to small-sized credit was a major tool in Bangladesh for combating poverty. He added that“whatever responsibilities we have to carry out, we must concentrate on them, and perform honestly; but we must, at the same time, work towards ensuring equitable and sustainable improvement in the circumstances of those who are now left behind; for them to enjoy universal human rights and live in a humanly dignified fashion.” Dr Rahman called for strengthening financial capabilities in several key areas including provision of financial education tools for better management of income, encouraging households to use long term savings products to effectively manage savings goals, providing clear implications of debt burden to facilitate responsibly borrowing, generating awareness on alternative risk coping mechanisms, education on exercising consumer rights and accessing grievance channels, and removing mindset barriers to using new financial products and services.


Dr. Qazi Kholiquzzaman Ahmad, Chairman, InM delivered the ground-laying speech on the topic titled “Human Dignity and Financial Inclusion” in the first plenary which was the main theme of the conference. He observed that financial services not only have a positive impact at the individual and household levels but, if done sustainably and in suitable scales could have a broader positive impact on national development by helping to lower transaction costs, manage risks, and even mitigate economic inequality and foster human dignity. He added that financial, as well as non-financial interventions, were necessary to ensure socioeconomic progress and human dignity which played vital roles to ensure participation of persons in social activities, increase self-esteem and human freedom.


In the first academic session on the theme “Financial Inclusion Landscape in Bangladesh: Strengths and Weaknesses”, three papers were presented. The session was chaired by Mr Khondkar Ibrahim Khaled, former Chairman, Bangladesh Krishi Bank (BKB). Dr Atiur Rahman, former Governor of Bangladesh Bank chaired the second academic session where papers were presented by Major General Sheikh Md. Monirul Islam (retd.) of bKash, and Mr. Arfan Ali, President and MD of Bank Asia Limited, among others.




 Prof, Arup Choudhuri, Chairman & CEO of Acasia Global Consulting LLP, India, in his keynote speech, spoke about the issues of financial inclusion, social inclusion and poverty alleviation in India. He discussed several case studies from India to give the audience a ground-level view of the dynamics of social changes. Dr Qazi Kholiquzzaman Ahmad, Chairman of PKSF & InM, chaired the session.


An informative presentation by Muhymin Chowdhury and Mabubur Rahman from BFP-B provided in-depths on Omni-channel distribution models as a source of competitive advantage for banks and financial institution. Mr. Feisal Hussain, Team leader, BFP-B Project moderated the session.

The second day of the conference was started with a keynote speech of former Governor of the Bangladesh Bank, Dr Atiur Rahman. In his keynote speech on “Leadership and Financial Inclusion”, highlighted the necessity of right leadership to implement financial inclusion agenda so that all excluded people, especially the poor and underprivileged segments of the society, get the benefit of financial inclusion and accelerate the pace of socioeconomic improvement. This was followed by the academic session on innovative models and approaches for financial inclusion in which several success cases were discussed along with their possibilities of replication.

A panel discussion on “How Can Digital Platforms Meet the Financing Gaps for MSMEs in Bangladesh?” was chaired by Md. Ashraful Alam, Country Project Coordinator, SHIFT SAARC, UNCDF.

Mr Rajeev Kumar Gupta, SHIFT Programme Manager-ASEAN & SAARC, UNCDF in his keynote speech on “Leveraging Data to Advance Financial Inclusion” explored the possibilities of using the right information to extend financial inclusion. The session was chaired by Professor S. R. Osmani, of the University of Ulster,

The learning session of the Conference on “Human Dignity and Financial Inclusion” was chaired by Dr Toufic Ahmad Choudhury, former Director-General, BIBM. In the session, issues of financial inclusion with human dignity was articulated by Mr Anir Chowdhury, Mr. Kamal Quadir, Mr. S. M. Rabiul Hassan, Ms. Laura Ralston and Dr. Mustafa K Mujeri.

The closing ceremony was chaired by Dr Qazi Kholiquzzaman Ahmad in which Dr Gowher Rizvi, Adviser on International Relation Affairs to the Prime Minister was present as the Chief Guest and Mr Ahmed Mushtaque Reza Chowdhury, former Vice-Chairman, BRAC was present as the special guest. In the session, it was agreed that the framework that has come out through the discussion in the Conference for promoting financial inclusion for the excluded and disadvantaged groups which upholds human dignity will have implications for our future policies and the interest and enthusiasm shown by the participants is indeed a good sign for the future.

During the two-day conference, a total of fifteen papers were presented by different experts on six different themes which provided an opportunity to the policymakers, financial experts, practitioners, academicians and stakeholders to discuss financial inclusion challenges, identify innovative solutions and share experience covering both demand and supply-side issues. It was agreed that the recommendations of the Conference would be crafted with a focus on four key aspects of financial inclusion: (i) a framework for promoting financial inclusion for the excluded and disadvantaged groups that uphold human dignity; (ii) codes of conduct and best practices for developing customised financial products and services; (iii) coordinated principles and strategies for financial literacy and education; and (iv) best practices for different stakeholders including banks, financial institutions, telcos, and the regulators. It was hoped that these recommendations would serve as a benchmark for the upcoming activities of the Financial Inclusion Network-Bangladesh (FIN-B).




1st International FIN-B Financial Inclusion Conference and Inclusion Fair 2019

The 1st FIN-B International Conference will be organised during 30-31 July 2019 with the participation of different stakeholders (including representatives of financially excluded individuals and enterprises) and marginalised sections of society.  The knowledge acquired from different stakeholders will help innovate new pathways to promote the financial inclusion agenda. The Conference will give significant opportunities of cross learning across the diverse audience covering policy makers, financial experts, practitioners, academicians, and the people at large over many complex issues and challenges facing financial inclusion for all.

The papers, selected for presentation in the conference, may be published (if necessary, in abridged form) in Fin-Biz, the flagship journal of FIN-B.

There is much to be learned through voices from the deprived sections – what precludes them from getting financially included and what actions and policies are needed to facilitate their access to affordable financial products and services which will be delivered responsively and sustainably. The Conference will act as a national platform to discuss financial inclusion challenges, identify innovative solutions, and share experiences among the representatives across all stakeholders covering both demand and supply side issues. 

The following themes are recommended for preparing the conference papers:

  • Financial Inclusion Landscape in Bangladesh: Strength and Weaknesses
  • Bangladesh’s Current State of Financial Inclusion: Barriers and Disparities
  • Regulatory and Policy Frameworks: Challenges and Opportunities
  • Technological Innovations, Agent Banking and Digital Financial Services
  • Designing Business Models for Financial Inclusion: Innovative Approaches and Success Cases
  • Measuring Financial Inclusion in Bangladesh: Indicators and Data Sources—Diversities and Complexities
  • Role of FIN-B: Enhancing Relevance and Effectiveness

Venue3D Seminar Hall, Krishibid Institution Bangladesh, Farmgate, Dhaka.

FIN-B Conference Paper Abstracts & Authors Bio

FIN-B Conference and Media partners profile

নিজস্ব প্রতিবেদক| ২২:৩৪:০০ মিনিট, আগস্ট ০১, ২০১৯

শেষ হলো ফিন-বি আন্তর্জাতিক সম্মেলন : আর্থিক অন্তর্ভুক্তি বিস্তৃতিতে সচেতনতা ও জ্ঞান সৃষ্টির সুপারিশ


আর্থিক অন্তর্ভুক্তকরণের দক্ষ উপায় সম্পর্কে সচেতনতা ও জ্ঞান সৃষ্টির মাধ্যমে দারিদ্র্য বিমোচন ও অন্তর্ভুক্তিমূলক উন্নয়নসহ সামাজিক উন্নয়ন ত্বরান্বিত করার লক্ষ্য নিয়ে অনুষ্ঠিত হলো প্রথম ফিন-বি ইন্টারন্যাশনাল কনফারেন্স ও ইনক্লুশন ফেয়ার ২০১৯। রাজধানীর কৃষিবিদ ইনস্টিটিউশন মিলনায়তনে অনুষ্ঠিত দুদিনের এ সম্মেলন শেষ হয়েছে গতকাল। ইনস্টিটিউট ফর ইনক্লুসিভ ফিন্যান্স অ্যান্ড ডেভেলপমেন্ট (আইএনএম) সম্মেলনটির আয়োজন করে।

সম্মেলন আয়োজনে সহযোগিতা করে ইউএনসিডিএফের শিফট সার্ক, কনসার্ন ওয়ার্ল্ডওয়াইড, ব্যাংক এশিয়া লিমিটেড, বিকাশ, ওয়াটার ডট অর্গ ও ডিএফআইডি/ইউকেএইডের বিজনেস ফিন্যান্স ফর দ্য পুওর-বাংলাদেশ (বিএফপি-বি) প্রজেক্ট। সম্মেলনে ব্যাংক, ক্ষুদ্র ঋণ প্রতিষ্ঠান, সরকারি বিভিন্ন সংস্থা ও বীমা কোম্পানির নীতিনির্ধারক ও প্রতিনিধি ছাড়াও গবেষকরা অংশ নেন।

গতকাল সমাপনী অনুষ্ঠানে প্রধান অতিথি ছিলেন প্রধানমন্ত্রীর আন্তর্জাতিক সম্পর্কবিষয়ক উপদেষ্টা ড. গওহর রিজভী। এতে সভাপতিত্ব করেন ড. কাজী খলীকুজ্জমান আহমদ। ব্র্যাকের সাবেক ভাইস চেয়ারম্যান আহমেদ মুশতাক রেজা চৌধুরী সমাপনী অনুষ্ঠানে বিশেষ অতিথি ছিলেন।

সম্মেলনের বিভিন্ন অধিবেশন ও আলোচনা সভা থেকে প্রাপ্ত সুপারিশগুলো কাজে লাগিয়ে সরকারের ভবিষ্যৎ নীতিমালা গ্রহণ সহজ হবে বলে উল্লেখ করেছেন ড. গওহর রিজভী।

দুই দিনব্যাপী এ সম্মেলনে ছয়টি একাডেমিক সেশনে মোট ১৫টি গবেষণা প্রবন্ধ উপস্থাপিত হয়।

সম্মেলনের দ্বিতীয় দিনের প্রথম প্লেনারি সেশনে ‘লিডারশিপ অ্যান্ড ফিন্যান্সিয়াল ইনক্লুশন’ বিষয়ে বক্তব্য রাখেন বাংলাদেশ ব্যাংকের সাবেক গভর্নর ড. আতিউর রহমান। এ সেশনে সভাপতিত্ব করেন আইএনএমের নির্বাহী পরিচালক ড. মোস্তফা কে মুজেরী।

পঞ্চম একাডেমিক সেশনে আর্থিক অন্তর্ভুক্তিবিষয়ক নানা উদ্ভাবনী মডেল ও পদ্ধতি নিয়ে আলোচনা হয়। এ সেশনে আর্থিক অন্তর্ভুক্তি পরিমণ্ডলের কিছু সাফল্যগাথা তুলে ধরা হয়।

‘হাউ ক্যান ডিজিটাল প্ল্যাটফর্মস মিট দ্য ফিন্যান্সিয়াল গ্যাপস ফর এমএসএমইএস ইন বাংলাদেশ’ শীর্ষক প্যানেল ডিসকাশনে সভাপতিত্ব করেন ইউএনসিডিএফ শিফট সার্ক প্রকল্পের কান্ট্রি প্রজেক্ট কোঅর্ডিনেটর মো. আশরাফুল আলম।

সম্মেলনের চতুর্থ প্লেনারি সেশনে ইউএনসিডিএফ এসএইচআইএফটি প্রোগ্রাম ম্যানেজার (আসিয়ান অ্যান্ড সার্ক) রাজীব কুমার গুপ্ত ‘লিভারেজিং ডাটা টু অ্যাডভান্স ফিন্যান্সিয়াল ইনক্লুশন’ শীর্ষক প্রবন্ধ উপস্থাপন করেন। সেশনে সভাপতিত্ব করেন যুক্তরাজ্যের ইউনিভার্সিটি অব আলস্টারের অধ্যাপক এসআর ওসমানী।

বাংলাদেশ ইনস্টিটিউট অব ব্যাংক ম্যানেজমেন্টের (বিআইবিএম) সাবেক মহাপরিচালক ড. তৌফিক আহমদ চৌধূরীর সভাপতিত্বে অনুষ্ঠিত হয় ‘হিউম্যান ডিগনিটি অ্যান্ড ফিন্যান্সিয়াল ইনক্লুশন’ শীর্ষক লার্নিং সেশন। এতে মানবমর্যাদার সঙ্গে সম্পর্কিত আর্থিক অন্তর্ভুক্তির সমস্যাগুলো নিয়ে আলোচনায় অংশ নেন আনীর চৌধুরী, কামাল কাদির, এসএম রবিউল হাসান, লরা রলস্টন ও ড. মোস্তফা কে মুজেরী।

গত মঙ্গলবার আইএনএমের চেয়ারম্যান ড. কাজী খলীকুজ্জমান আহমদের সভাপতিত্বে সম্মেলনের উদ্বোধনী অনুষ্ঠানে প্রধান অতিথি ছিলেন প্রধানমন্ত্রীর অর্থনৈতিক বিষয়ক উপদেষ্টা ড. মসিউর রহমান।

The Institute for Inclusive Finance and Development (InM) is registered as an independent non-profit institution under the Societies Registration Act 1860.
The Institute works for developing the overall capacity of the financial sector and strengthening the links between the financial and real sectors through undertaking research, training, education, knowledge management and other programmes in priority areas including inclusive finance, microfinance, poverty and development.

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