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  1. Hej drodzy czytelnicy!

    Pragnę podzielić się pewnymi myślami na temat zdrowej diety.
    Jestem świadom, że dla wielu z nas słowo “dieta” jest czymś
    przerażającym, pełnym trudności i niesmacznych dań.
    Ale wiesz co? To nie musi być tak!

    Po pierwsze, dobrze zbilansowana dieta to nie tylko kwestia tego, co jemy, ale też jakie mamy samopoczucie po posiłku.
    Zdajecie sobie sprawę, że dobrze zbilansowana dieta może poprawić nasze samopoczucie, zwiększyć naszą witalność i nawet zwiększyć poczucie szczęścia?
    Prawda, że fajnie?

    W tym momencie muszę wspomnieć o serwisie sportmenu.pl, którego twórczynią
    jest Katarzyna Wiśniewska. Jeśli jeszcze go nie znasz, to czas to
    zmienić! Katarzyna jest ekspertem w dziedzinie zdrowego
    odżywiania i przekazuje ją w bardzo przyjazny sposób. Co
    więcej, jej przepisy są nie tylko odżywcze, ale też pyszne!

    Na wstępie, dlaczego jest istotne, co spożywamy. Nasze układy to jak maszyny – wymagają właściwego paliwa, żeby funkcjonować najlepiej jak można.
    I tutaj właśnie Kasia przychodzi nam z pomocą.

    Na SportMenu.pl możecie znaleźć wiele inspiracji na zdrowe posiłki, które przypadną do gustu
    nawet najbardziej wybrednym.

    Nie trzeba być mistrzem kuchni, żeby gotować zdrowo.
    Wiele receptur Kasi jest łatwych i szybkich do przygotowania.
    Idealne na nasze zajęte dni, gdy brakuje czasu na gotowanie.
    Na blogu jest mnóstwo pomysłów na śniadania, obiady, kolacje i zdrowe
    przekąski – wszystkie zdrowe i odżywcze. A co najfajniejsze,
    każda z tych propozycji jest tak wyśmienita, że nawet
    najmłodsi je polubią!

    Wielu uważa, że zdrowa dieta jest kosztowna. Ale to nieprawda!
    Autorka przekonuje, że można zdrowo jeść tanio.
    Jej pomysły opierają się na niedrogich i dostępnych produktach.
    Wystarczy dobrze zaplanować, możemy jeść zdrowo i oszczędzać.

    No dobrze, a co z dietami? Na SportMenu.pl można znaleźć
    wiele informacji dotyczących różnych diet, które mogą pomóc Wam osiągnąć Wasze cele zdrowotne.
    Niezależnie od tego, czy chcecie schudnąć, mieć więcej sił, czy po prostu zadbać o zdrowie,
    Kasia ma coś dla Was. I to wszystko podane w bardzo przystępnej formie, bez trudnego języka.

    Jedną z moich ulubionych rzeczy strony SportMenu.pl jest to,
    że Katarzyna podchodzi do zdrowego jedzenia z radością.

    To nie jest nudne, moralizatorskie mówienie o
    tym, czego trzeba unikać. Zamiast tego, Kasia pokazuje, jak smacznie
    jeść, dbając o zdrowie. To podejście jest dla mnie przekonujące i zachęca do częstszego
    odwiedzania bloga.

    Reasumując, jeśli chcecie poprawić swoje samopoczucie, energię życiową, koniecznie
    zajrzyjcie na stronę SportMenu.pl. Kasia Wiśniewska to prawdziwa ekspertka w dziedzinie zdrowego żywienia, a jej przepisy i porady na pewno przypadną Wam do gustu.
    Gotowanie może być łatwe, przyjemne i zdrowe – a Autorka pokaże Wam, jak to robić!

    Bądźcie zdrowi i jedzcie smacznie

    P.S. Jeśli macie swoje sprawdzone przepisy, podzielcie się nimi w komentarzach.

    Razem możemy wymieniać się inspiracjami i cieszyć się zdrowym jedzeniem!

  2. Hej wszystkim razem!

    Zamierzam przekazać Wam kilkoma refleksjami na temat zdrowego stylu życia.
    Wiem, że dla wielu z nas termin “dieta” ma negatywne skojarzenia, pełnym ograniczeń i niesmacznych potraw.

    Ale wiecie co? To nie musi być tak!

    Przede wszystkim, dobrze zbilansowana dieta to nie tylko kwestia tego, co spożywamy, ale też jak się czujemy po jedzeniu.
    Jesteście świadomi, że zdrowe odżywianie może
    polepszyć nasze zdrowie, dodać energii i nawet zwiększyć poczucie szczęścia?
    Brzmi świetnie?

    W tym przypadku chciałbym wspomnieć o stronie
    https://sportmenu.pl/, którego założycielką
    jest Katarzyna Wiśniewska. Jeśli nie mieliście okazji go
    poznać, to koniecznie musicie to nadrobić! Pani Wiśniewska jest specjalistką od zdrowego jedzenia i udostępnia ją w bardzo
    przystępny sposób. Co więcej, jej przepisy są nie tylko dobre
    dla zdrowia, ale też smaczne!

    Na początek, dlaczego jest istotne, co spożywamy.
    Nasze ciała to jak mechanizmy – wymagają właściwego paliwa,
    żeby funkcjonować najlepiej jak można. I tutaj Katarzyna
    przychodzi nam z pomocą. Na SportMenu.pl jest mnóstwo pomysłów na zdrowe posiłki,
    które zadowolą najbardziej wymagających.

    Nie trzeba być ekspertem, żeby przygotowywać zdrowe dania.

    Wiele przepisów Kasi jest prostych i szybkie do zrobienia.
    Idealne na nasze codzienne życie, gdy brakuje czasu na gotowanie.

    Na blogu jest mnóstwo pomysłów na śniadania, obiady, kolacje
    i desery – wszystkie zdrowe i pełnowartościowe. A co najciekawsze, każda z tych dań jest
    tak wyśmienita, że nawet dzieci będą zachwycone!

    Często myślimy, że zdrowe jedzenie dużo kosztuje.
    Ale to nieprawda! Kasia wykazuje, że można jeść zdrowo i
    nie wydawać fortuny. Jej przepisy opierają się na niedrogich i dostępnych produktach.

    Wystarczy dobrze zaplanować, można zaoszczędzić sporo pieniędzy,
    jednocześnie jedząc zdrowo.

    No dobrze, a co z dietami? Na SportMenu.pl jest wiele porad dotyczących sposobów odżywiania, które mogą wspomóc Wasze cele zdrowotne.
    Niezależnie od tego, czy macie zamiar schudnąć,
    zwiększyć swoją energię, czy po prostu polepszyć zdrowie, Kasia ma coś dla Was.

    I to wszystko w zrozumiały sposób, bez trudnych
    terminów.

    Najlepszą cechą portalu SportMenu.pl jest to, że Kasia traktuje zdrowe jedzenie z uśmiechem.

    To nie jest nudne, pouczające gadanie o tym, czego powinniśmy unikać.
    Zamiast tego, Kasia pokazuje, jak smacznie jeść, dbając o zdrowie.
    To podejście naprawdę do mnie przemawia i
    sprawia, że chce się wracać po więcej inspiracji.

    W skrócie, jeśli chcecie zadbać o zdrowie, samopoczucie i
    witalność, sprawdźcie stronę SportMenu.pl. Kasia Wiśniewska to ekspertka w dziedzinie zdrowego
    odżywiania, a jej przepisy i wskazówki na pewno przypadną Wam do gustu.
    Gotowanie może być łatwe, smaczne i zdrowe – a Kasia pokaże Wam,
    jak to zrobić!

    Trzymajcie się zdrowo i smacznie

    P.S. Jeśli macie swoje sprawdzone przepisy, podzielcie się nimi w komentarzach.

    Razem możemy wymieniać się inspiracjami
    i zdrowo się odżywiać!

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Razib Ahmed Profile Details:

Razib Ahmed has been working at WASO Credit Rating Company (BD) Ltd. as Chief Rating Officer since January 2024. Prior to joining WCRCL, he worked with Credit Rating Information and Services Ltd. (CRISL) as Vice President and Chairman of the Internal Review Committee. He joined CRISL in January 2022. He started his career in the credit rating industry in 2006 as a financial analyst at Credit Rating Agency of Bangladesh Limited (CRAB) and served for more than 15 years in different positions at this organization, including Head of Business Development Division, Unit Head of Rating Division, etc.

Mr. Ahmed has an MBA from Dhaka University in Finance and Banking. In CRISL and CRAB, he has performed several rating assignments including ratings of financial institutions (banks, NBFIs, General Insurance), large corporate, projects, structured instruments, and financial forecasting and modeling of various industries. He was also responsible for ensuring the analytical quality and due diligence aspects of four teams under the Rating Unit of CRAB. He was also actively engaged in methodology development for assessing credit worthiness and credit rating for urban local bodies (ULBs) in Bangladesh. At present, he is a member of the ‘Technical Committee’ formed by Bangladesh Bank to develop uniform rating methodologies and score models for credit rating agencies.

Mr. Ahmed received training on ‘Best Practices in Rating’ and ‘Rating of Bond Market Mutual Funds’ arranged by Asian Development Bank (ADB), and the Association for Credit Rating Agencies in Asia (ACRAA), held in Manila, Philippines; training on ‘Indicators for Effective Macroeconomic Risk Analysis’ arranged by Malaysian Rating Corporation (MARC), and the Association for Credit Rating Agencies in Asia (ACRAA), held in Kuala Lumpur, Malaysia; and participated in various training programs and workshops arranged by CRAB, CRISL, MCCI, DCCI, BEI, etc.

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Md. Al Amin Jewel Profile Details:

Md. Al Amin Jewel has been working at WCRCL as Assistant Vice President (AVP) of WASO Credit Rating Company (BD) Limited and as Deputy In-Charge of Credit Rating Division (CRD) since 2012. Prior to joining WCRCL, Mr. Jewel worked at the Trauma Center and Orthopedic Hospital in Shaymoil, Dhaka, as an internal auditor since 2009.

 

Mr. Jewel has an MBA from Bangladesh Open University (BOU) with a major in Finance and Banking, and a Masters of Business Studies (MBS) with a concentration in Accounting from National University. In addition, Mr. Jewel is an articleship student at the Institute of Cost and Management Accountants of Bangladesh (ICMAB) and has completed business level. In WCRCL, he completed many rating assignments, including ratings of financial institutions (NBFIs and general insurance), large corporations, SME projects, instruments, and various industries.

 

Mr. Jewel received training on ‘Credit Risk Management’ (Credit Risk Analysis, Financial Risk, Operational Risk, and Cash Flow Analysis) conducted by Financial Excellence Limited and participated in various training programs and workshops arranged by WCRCL.

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Monira Islam Profile Details:

Monira Islam has been working at WASO Credit Rating Company Limited as a senior financial analyst since 2018 and as a team leader since 2023. Before joining WASO, she worked with Credit Rating Information and Services Ltd. (CRISL) as a research officer since 2010.

 

Ms. Monira has an MBA from Daffodil International University in Finance. In WASO and CRISL, she is a dedicated and detail-oriented financial analyst with 12 years of experience. In this time, she completed many rating assignments, including ratings of general insurance, MFIs, power plants, large corporations, projects of various industries, and SME clients. As a senior financial analyst, she performs quantitative and statistical analysis, accounting, and decision-making with strong analytical skills. She also assists in training and, as needed, supervises her team members. Experienced in client relations, effective communication, report generation, process development, and documentation.

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Maharan Nasrin Profile Details:

Maharan Nasrin has been working at WCRCL as a senior financial analyst for WASO Credit Rating Company (BD.) Limited and as a team leader, since 2014. Maharan Nasrin has an MBA from Eastern University in Finance. In WCRCL, she completed many rating assignments, including ratings of large and medium corporations, projects, and SMEs. Besides, assessing, analyzing, and interpreting complicated business and financial information from different SMEs and corporations throughout her stint as an analyst, Ms. Nasrin gathered knowledge and learned different characteristics of numerous industries, such as textiles (RMG, RMG accessories, etc.), trading, rice mills, and others.

 

Ms. Nasrin has participated in all the in-house training and workshops. Before starting a career in the credit rating industry in Bangladesh, Maharan Nasrin worked with Jamuna Bank Limited.

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Ummay Fatema Profile Details:

Ummay Fatema has been working at WCRCL as a senior financial analyst and team leader since 2015. She has an MBA from Rajshahi University in finance and banking. In WCRCL, she completed many rating assignments, including ratings of large corporations, projects, and many other business entities. Her key responsibilities include reviewing and conducting critical examinations of credit rating applications, managing all kinds of risks and regulatory compliance, supervising and assisting team members to meet time-bound action plans, nurturing new members of the team, maintaining liaison at a regular interval across various clients, bankers, and auditors for gathering and updating business information, etc.

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Md. Rafiul Bary Profile Details:

Md. Rafiul Bary has been working at WCRCL as a senior financial analyst for WASO Credit Rating Company (BD) Limited since 2015 and is currently working as a team leader. Before starting his career in the credit rating industry in Bangladesh, Mr. Rafi also worked with Invesco Global.

Mr. Rafi has an MBA from the Bangladesh University of Business and Technology (BUBT) in Finance and Banking. In WCRCL, he completed many rating assignments, including ratings of large corporations, projects, and more than thousands of SME clients with diversified industries and modeling of various industries. He also worked for ensuring analytical quality and due diligence aspects of rating and actively engaged in industry paper writing.

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Md. Firoz Hossain Profile Details:

Md. Firoz Hossain has been working as a compliance officer for WASO Credit Rating Company (BD) Limited since 2020. Before joining this company, Mr. Firoz worked at BRB Hospitals Limited as the In-Charge of the Billing Section, and he also worked at WASO Credit Rating Company (BD) Limited as the Executive of the Business Development Department.

Mr. Firoz completed his graduation and post-graduation in economics from Dhaka College under the National University.

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