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Illiteracy is the condition of being unable to read an d write. if people are not literate then they cannot do family plannong and they will not know the harm of bearing more children....
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∙ 12y ago
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What reasons do you think are responsible for illiteracy in the northern part of Nigeria?
They are bounded by religous doctrines that has made them dogmatic in reasoning. Thus, they tend to live base on the ancient facts from their holy book rather than live, learn from the happenings of the present!
What is modernization in Pakistan?
to prepare the country to best Asian level, to be in harmony with International standards. For that Pakistan needs to do homework on: Judiciary, corruption, terrorism, increase in GDP, GNP, foreign revenue, to reduce illeteracy, to remove poverty....and so many more basic needs.
Can Pakistani youth bring rovolution?
Theoritically 'YES' (not only in Pakistan, all else everywhere). But concretely in Pakistan, there is still no ground for youth uprising (like in the mid east and north Africa). Many ethnic divisions, army influence, high illeteracy rate, poverty...there are many reasons.
What presents the most serious ongoing challenge to modern Bangladesh?
1. Corruption (political) 2. Natural disasters (Flood, cyclone ) due to global warming 3. over population, one of the highest in density
Questions about education system of Pakistan?
For years Pakistan is trying to develop its Education system. Primary education become free. Still the illeteracy rate not improving that much. Many drop outs. :Politicization of colleges and university are other factors. Strikes, corruption, and not quality teaching are other factors to hamper.
What different problems can be brought by a rapid population growth?
The rise in crime due lack of employment opportunities are some population problems that may arise from rapidly growing cities. Spread of infectious diseases like HIV and AIDS are the other population problems that may arise.
Is Pakistan's golden age yet to come?
Yes, it yet have to come. There was a so called Decade of Reforms observed in Pakistan. A military decade by Ayub Khan (1958-1968). Some developments were there. One cant say it Golden (where simply, illeteracy rate in1968 was more than 60%, child mortality was among the highest in Asia)
What are the causes of non-readers in the Philippines?
The causes of non-readers in the Philippines can include lack of access to education, poverty, low literacy rates among parents, inadequate resources for schools, and cultural beliefs that prioritize other activities over reading. Additionally, limited availability of books in local languages and dialects can also contribute to higher rates of non-readers.
Why is your world full of crisis?
The enviromental crisis problems are land pollution, air pollution, water pollution, new diseases, and every problem and crisis the modern world gave us. It applies to health, land, air, water, education, disease, wealth, starvation, killing, genocide, greed, bombing, wars, violence, HIV/AIDS, poverty,illeteracy, mental disorders, corruption, cruelty, unfairness, dishonesty, inequality, global warming, floods, hurricanes, volcanoes, earthquakes, natural disasters,overuse of natural resources, massive consumption of energy and resources, nuclear weapons,chemical warfare, terrorism, toxins, climate change, dependance on oil, narcotics, illegal drugs, harmful Western medicine, destruction of enviroment, famine, drought, cancers, tyrants, opressors, pop culture, technology, homelessness, smoking, alcoholism, desertification, water scarcity, water purity, crop failure, barren land, lack of proper healthcare, hazardous waste,racism,poverty, wasting time on nonsense, torture, disunited family, selfishness, conceit, stinginess, deceit, cruelty, ignorance, wickedness, evil, arrogance,disrespect, misery, sadness, worry, racial violence, aggression,hostility, tensions, kidnapping, child abuse, malnutrition, over-population, over-urbanization, crimes, murders, economic crisis, anarchy, etc. People's greed and cruelty.
Problem and prospect of insurance in Bangladesh?
Problems: 1. [LOW PER CAPITA INCOME] Poor economic condition is considered to be the main reason for poor life insurance penetration in Bangladesh. The country has a very low per capita income and over 50% of our total population lives below the poverty line. Inability to save or negligible savings by a vast majority of population kept them away from the horizon of life insurance. 2. [POOR KNOWLEDGE OF AGENTS] The marketing of insurance is greatly hampered in the remote village of Bangladesh where the agents are appointed from respected locality. This is because; educated young people are seemed to be reluctant to become insurance agents. Therefore, persons finding no job or persons having lesser knowledge become insurance agents whom cannot acquaint themselves fully with the whereabouts of insurance. Such agents cannot play efficient role in convincing a prospective policyholder. 3. [ILLETERACY] Mass illiteracy is another factor that adversely affects the marketing of insurance. About 70% of the population is floating in the sea of ignorance. Illiteracy leads one to think that the insurance is deception; it is no value in life. They cannot think rationality because they do not know what is insurance and what its importance as security for future. 4. [RELIGIOUS SUPERSTITION] Religious attitude of the people also stands against efficient insurance. The religious people believe that the future is uncertain, it is in the hand of Allah and they do not think it necessary to buy life insurance policy for them. 5. [LOW AWARENESS] Insurance awareness is poor. Agents are not skilled enough. These agents cannot perform their job properly to make the people aware of life insurance. 6. [LOW SAVINGS] People of Bangladesh have a very small saving potentially and thus have less or no disposable income. Almost the whole of the income is exhausted in the process of maintaining the day-to-day life. Thus they are left with little amount, which may not deemed to sufficient for the payment of premiums. This factor discourages many to buy life insurance policy. 7. [LACK OF CONTINUITY] Discontinuation of insurance policy is found higher. This also adversely affects the market efficiency of insurance business. 8. [SHORTAGE OF FUND] Most of the policyholders cannot continue their policies owing to price spiral and shortage of fund. 9. [LACK OF REMAINDER] Increase in liability, lack of reminder notice from the insurance company causes for discontinuation of policy. 10. [NEGLIGENCE OF POLICY HOLDERS] Many of the policyholders have expressed that; their policies lapsed for their own negligence to pay premium in time. 11. [RESTRICTION] Another important reason for discontinuation is restriction investment allowance by the government relating to income tax. 12. [POOR SERVICES TO CONSUMERS] An important reason for the dismal performance of insurance business in Bangladesh is poor client services provided by the insurance companies. The public image of service from life insurance institutions is very poor. 13. [IMAGE] High lapses of life insurance policies do much to harm insurance image. 14. [RED TAPISM TO OBTAIN COMPENSATION] When an accident takes place, a claimant faces many difficulties to obtain money from the insurance company. This also discourages people for being a policyholder. 15. [LACK OF NEW PRODUCT] In a dynamic life insurance market, one can expect to see new product coming out every now and then. But still today one can hardly see any new product in the insurance market in Bangladesh. Prospects There should be vigorous campaign through out the country to make the people aware of the utility and prospects of buying insurance. Bangladesh is a densely populated country and most of the people in our country are poor. They would definitively go for insurance for the security and the risks covered by the insurance. Therefore, the prospects of Insurance are very high in Bangladesh if the following measures can be adopted. First of all, there is no alternative of quality service. Insurance being a service rendering entity must provide quick services. Policyholders are highly dissatisfied with service of JBC and SBC. Due to poor quality services, public corporations are loosing market. In order to ensure their continuity, such corporation must pay adequate attention on their quality of service. Private companies also need put their all out efforts to improve quality of service so as to strengthen their position. Secondly, the government should eliminate the difficulty in licensing procedure and should not delay in the approval of new companies if all the requirements are fulfilled. It will help not only to increase volume of business but also solve the problems of unemployment. Finally, the policy holders are very much worried about the settlement of claims. Ordinary people also consider it main constraint. Therefore, instance companies should settle the claims as quickly as possible to create a healthy public image. For this purpose the claim settlement procedure can be simplified and the insurers can provide proper written guidelines of claim settlement to the policyholders. If the above steps can be taken, more and more people in Bangladesh will be interested in buying insurance.
