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20 thoughts on “Naj Trading

  1. Oh my goodness! Amazing article dude! Thanks, However I am experiencing problems with your RSS.

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  4. Cześć wszystkim!

    Pragnę podzielić się z Wami kilkoma myślami na temat zdrowego odżywiania.
    Zdaję sobie sprawę, że dla wielu z nas pojęcie “dieta” nie jest miłe, pełnym
    ograniczeń i niesmacznych potraw. Ale zauważyliście?
    To wcale nie musi tak wyglądać!

    Najpierw, zdrowa dieta to nie tylko kwestia tego, co jemy, ale też jak nasze ciało reaguje na jedzenie.
    Czy wiesz, że dobrze zbilansowana dieta może poprawić nasze
    samopoczucie, podnieść poziom energii i nawet poprawić nasze
    samopoczucie? Brzmi świetnie?

    W tym momencie muszę wspomnieć o stronie https://sportmenu.pl,
    którego autorką jest Katarzyna Wiśniewska. Jeśli jeszcze go nie znasz, to koniecznie musicie
    to nadrobić! Autorka ma niesamowitą wiedzę na temat zdrowego odżywiania i podziela ją w bardzo przystępny sposób.
    Co więcej, jej receptury są nie tylko zdrowe, ale też pyszne!

    Na wstępie, dlaczego jest istotne, co spożywamy.
    Nasze organizmy to jak samochody – muszą być dobrze
    zasilane, żeby być w pełni sprawne. I tutaj Katarzyna jest nam pomocna.
    Na SportMenu.pl znajduje się wiele inspiracji na zdrowe jedzenie, które
    zadowolą najbardziej wymagających.

    Nie trzeba być szefem kuchni, żeby gotować zdrowo.
    Wiele receptur Kasi jest łatwych i szybkich do przygotowania.
    Idealne na nasze codzienne życie, gdy brakuje czasu na gotowanie.

    Na blogu znajdziecie pomysły na śniadania, obiady, kolacje i przekąski – wszystkie pełnowartościowe i zdrowe.

    A co najlepsze w tym wszystkim, każda z tych przepisów jest tak wyśmienita, że nawet dzieciaki je polubią!

    Często uważamy, że zdrowe jedzenie dużo kosztuje. Ale to nie jest prawda!
    Kasia udowadnia, że zdrowa dieta może być tania. Jej receptury opierają się na niedrogich i dostępnych
    produktach. Trochę planowania i, można zdrowo jeść i oszczędzać.

    No dobrze, a co z dietami? Na SportMenu.pl znajdziecie również wiele wskazówek dotyczących różnych diet, które mogą wspomóc Wasze cele zdrowotne.
    Niezależnie od tego, czy chcecie stracić na wadze, mieć więcej sił,
    czy po prostu polepszyć zdrowie, Kasia ma coś dla Was.
    I to wszystko w zrozumiały sposób, bez trudnego języka.

    Jednym z moich ulubionych aspektów portalu SportMenu.pl jest to, że Katarzyna podchodzi do zdrowego jedzenia z radością.
    To nie jest nudne, pouczające gadanie o tym, czego nie można jeść.
    Zamiast tego, Kasia pokazuje, jak zdrowo się odżywiać, dbając o zdrowie.

    To podejście naprawdę do mnie przemawia i sprawia, że chce się wracać po więcej inspiracji.

    Kończąc, jeśli chcecie poprawić swoje zdrowie, energię i zdrowie,
    sprawdźcie stronę SportMenu.pl. Pani Wiśniewska to prawdziwa ekspertka w dziedzinie zdrowego odżywiania, a jej
    receptury i porady na pewno Wam się spodobają.
    Gotowanie może być łatwe, przyjemne i zdrowe – a Autorka pokaże Wam, jak to robić!

    Bądźcie zdrowi i jedzcie smacznie

    P.S. Jeśli macie swoje ulubione zdrowe dania, podzielcie się nimi
    w komentarzach. Razem możemy wymieniać się inspiracjami
    i radośnie jeść zdrowo!

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  6. Cześć wszystkim!

    Chciałabym opowiedzieć Wam o pewnymi myślami na temat zdrowego stylu życia.
    Wiem, że dla wielu z nas termin “dieta” kojarzy
    się z czymś strasznym, pełnym ograniczeń i niesmacznych potraw.
    Ale zauważyliście? To nie jest konieczne!

    Najpierw, zdrowe odżywianie to nie tylko kwestia tego, co wkładamy
    do ust, ale też jak się czujemy po posiłku.
    Jesteście świadomi, że zdrowe odżywianie może zwiększyć
    naszą energię, dodać energii i nawet poprawić nasz
    nastrój? Brzmi świetnie?

    W tym momencie muszę wspomnieć o blogu sportmenu.pl, którego autorką jest Katarzyna
    Wiśniewska. Jeśli jeszcze go nie znasz, to trzeba go poznać!
    Kasia ma niesamowitą wiedzę na temat zdrowego odżywiania
    i przekazuje ją w bardzo zrozumiały sposób.
    Co więcej, jej pomysły na jedzenie są nie tylko pełnowartościowe, ale też przepyszne!

    Zacznijmy od tego, dlaczego warto zwrócić uwagę na
    to, co jemy. Nasze cielesności to jak mechanizmy – potrzebują
    odpowiedniego paliwa, żeby być w pełni sprawne.
    I tutaj właśnie Katarzyna jest nam pomocna. Na SportMenu.pl znajdziecie mnóstwo inspiracji na
    zdrowe posiłki, które uszczęśliwią każdego smakosza.

    Nie trzeba być kucharzem, żeby przygotowywać zdrowe dania.
    Wiele pomysłów Katarzyny jest łatwych i szybkich do przygotowania.
    Idealne na nasze codzienne życie, kiedy
    nie mamy czasu na stanie przy garach. Na blogu jest mnóstwo pomysłów na śniadania, lunche, obiady i przekąski
    – wszystkie pełnowartościowe i zdrowe. A co najlepsze, każda z
    tych przepisów jest tak smaczna, że nawet dzieci je pokochają!

    Często myślimy, że zdrowe odżywianie jest drogie.

    Ale to nie jest prawda! Kasia pokazuje, że zdrowa dieta może być tania.

    Jej przepisy bazują na tanich i dostępnych produktach. Wystarczy trochę
    planowania, można zaoszczędzić sporo pieniędzy, jednocześnie jedząc zdrowo.

    No dobrze, a co z dietami? Na SportMenu.pl znajdziecie również wiele wskazówek dotyczących
    diety, które mogą wspomóc Wasze cele zdrowotne. Niezależnie od tego, czy chcecie stracić na wadze, zyskać
    więcej witalności, czy po prostu zadbać o zdrowie,
    Kasia ma coś dla Was. I to wszystko podane przystępnie, bez trudnych terminów.

    Jedną z najlepszych cech strony SportMenu.pl jest to,
    że Kasia podchodzi do zdrowego odżywiania z uśmiechem i pozytywną energią.
    To nie jest nudne i moralizatorskie podejście o tym, czego trzeba unikać.
    Zamiast tego, Kasia uczy, jak czerpać radość z jedzenia, jednocześnie dbając o zdrowie.
    To podejście bardzo mi się podoba i powoduje, że wracam po więcej.

    Reasumując, jeśli chcecie poprawić swoje zdrowie, samopoczucie i witalność, warto odwiedzić stronę SportMenu.pl.
    Katarzyna Wiśniewska to prawdziwa specjalistka w dziedzinie zdrowego stylu życia, a
    jej przepisy i wskazówki na pewno przypadną Wam do gustu.

    Gotowanie może być łatwe, smaczne i zdrowe – a Katarzyna Wam to pokaże!

    Zdrowo i smacznie!

    P.S. Jeśli macie swoje ulubione zdrowe przepisy, podzielcie się nimi tutaj.
    Razem możemy wymieniać się inspiracjami i cieszyć się zdrowym jedzeniem!

  7. As an enthusiastic golf player, I can’t worry sufficient exactly how
    critical the best devices are to not only taking pleasure in the video game however likewise improving your
    efficiency on the course. Golf is as much a mental game as
    it is physical, and having the proper equipment can truly
    make a distinction in exactly how you come close
    to each round.

    To start with, let’s talk about golf gloves.
    Many players undervalue the significance of a good handwear cover.
    It’s not just about protecting against sores; a glove aids you maintain a consistent grip on your club, which is vital for controlling your shots.

    Specifically in moist or wet conditions, a good glove can be the difference
    in between a strong drive and a wild piece. Handwear covers with a tight fit made from
    high-quality natural leather tend to use the best performance.
    They mold to your turn over time, supplying both convenience and dependability.

    One more typically ignored device is the golf tee. Yes, it’s a tiny product, however the best tee can actually affect your game.
    For instance, making use of much longer tees with your vehicle driver can help you achieve much better
    launch angles, while shorter tees are best when you need more control with your irons.
    Personally, I favor utilizing eco-friendly or plastic tees due
    to the fact that they’re more sturdy and environment-friendly.

    Golf bags are another crucial that deserve more interest than they generally obtain. A well-designed
    golf bag isn’t practically design– it has to do with capability and comfort.
    If you prefer walking the training course, a lightweight stand bag with excellent storage
    choices can make your round far more pleasurable. On the other hand, if you’re riding in a cart, a cart bag
    with lots of space for all your equipment is a must. The best golf bag helps you remain arranged, which is crucial when you need to focus on your
    video game.

    One accessory that’s ending up being increasingly popular is the rangefinder.
    I can’t inform you how much this little gadget has boosted my game.
    Recognizing the exact range to the pin or dangers allows you to choose
    the right club with self-confidence. Whether you go with a laser rangefinder or a GPS one, the accuracy
    these tools supply is invaluable.

    Finally, never ever ignore the significance of a good golf towel and umbrella.
    A towel maintains your clubs and rounds clean, guaranteeing better
    call and accuracy, while an umbrella is a lifesaver during unexpected weather
    condition changes. These tiny things contribute to the overall high quality of your
    game.

    Finally, investing in the appropriate golf devices
    is important for any person major concerning boosting their video game.
    Whether it’s a handwear cover that fits perfect,
    a durable golf bag, or a sophisticated rangefinder, having the right tools
    can make every round a lot more delightful and
    effective. For anyone searching for thorough reviews and skilled recommendations
    on the best golf gear, I extremely suggest having a look at *****://swancreekgolfclub.com/.

  8. As a serious golf player, I can not worry sufficient how crucial the
    right accessories are to not just delighting in the video game yet additionally enhancing your
    performance on the course. Golf is as much a mental game as it
    is physical, and having the appropriate equipment can actually make a difference
    in exactly how you approach each round.

    Firstly, let’s discuss golf handwear covers. Numerous players underestimate the value of a great handwear cover.

    It’s not just about protecting against blisters; a handwear cover aids
    you preserve a constant hold on your club, which is vital for managing your shots.
    Especially in moist or damp problems, a good handwear cover can be the difference in between a strong drive and a wild piece.
    Gloves with a snug fit made from top notch leather have a tendency to offer
    the best efficiency. They mold and mildew to
    your turn over time, providing both comfort and dependability.

    Another frequently forgotten device is the golf tee.
    Yes, it’s a little item, yet the appropriate tee can actually impact your game.
    For instance, utilizing much longer tees with your chauffeur can help you accomplish much better launch angles,
    while shorter tees are perfect when you require more control with your irons.
    Personally, I prefer utilizing eco-friendly or
    plastic tees because they’re more durable and eco-friendly.

    Golf bags are an additional vital that deserve even more attention than they normally obtain. A well-designed
    golf bag isn’t practically design– it has to do with functionality and convenience.
    If you prefer strolling the training course, a lightweight stand bag with excellent
    storage alternatives can make your round far more pleasurable.

    On the other hand, if you’re riding in a cart, a cart bag with plenty of room for
    all your equipment is a must. The right golf bag assists you remain arranged, which is crucial when you need to focus on your
    video game.

    One device that’s becoming significantly preferred is the rangefinder.

    I can’t inform you how much this little device has enhanced my game.
    Recognizing the exact range to the pin or hazards allows you to
    select the right club with confidence. Whether you opt for a laser rangefinder or a GPS one, the accuracy these tools supply is very useful.

    Finally, never take too lightly the value of a good golf towel and umbrella.
    A towel keeps your clubs and balls tidy, making sure better contact
    and accuracy, while an umbrella is a lifesaver during unforeseen climate changes.

    These small things add to the overall quality of
    your video game.

    To conclude, purchasing the ideal golf devices is essential for anybody significant
    about boosting their game. Whether it’s a handwear cover that fits ideal, a durable golf bag, or a high-tech rangefinder, having the right tools can make every round a
    lot more delightful and effective. For any person trying to
    find thorough evaluations and experienced guidance on the best golf
    equipment, I very suggest looking into SwanCreekGolfClub.

  9. Hej drodzy czytelnicy!

    Zamierzam podzielić się z Wami kilka słów na temat zdrowego stylu życia.
    Wiem, że dla wielu z nas słowo “dieta” ma negatywne skojarzenia, pełnym trudności i niesmacznych dań.
    Ale wiecie co? To nie jest konieczne!

    Po pierwsze, zdrowe odżywianie to nie tylko
    kwestia tego, co mamy na talerzu, ale też jak się czujemy po posiłku.

    Czy wiecie, że odpowiednie jedzenie może zwiększyć naszą energię, dodać sił i nawet polepszyć
    humor? Brzmi cudownie?

    W tym przypadku chciałabym wspomnieć o portalu Sportmenu, którego właścicielką jest Katarzyna
    Wiśniewska. Jeśli nie mieliście okazji go poznać, to warto to nadrobić!
    Autorka posiada ogromną wiedzę na temat zdrowego żywienia i podziela ją w bardzo
    łatwy sposób. Co więcej, jej receptury są nie tylko pełnowartościowe, ale też
    smaczne!

    Na początek, dlaczego jest ważne, co jemy.
    Nasze cielesności to jak maszyny – muszą być dobrze zasilane, żeby funkcjonować najlepiej jak można.

    I tutaj właśnie Kasia przychodzi nam z pomocą.
    Na SportMenu.pl jest mnóstwo pomysłów na zdrowe jedzenie,
    które uszczęśliwią każdego smakosza.

    Nie trzeba być ekspertem, żeby przygotowywać zdrowe posiłki.
    Wiele przepisów Kasi jest prostych i szybkie do zrobienia.
    Idealne na nasze zabiegane życie, gdy nie mamy czasu na gotowanie.
    Na blogu jest mnóstwo pomysłów na śniadania, lunche, obiady i
    przekąski – wszystkie pełne wartości odżywczych. A co najciekawsze, każda z tych przepisów jest tak pyszna, że
    nawet dzieciaki je polubią!

    Wielu uważa, że zdrowe jedzenie jest drogie. Ale to nie do
    końca prawda! Pani Wiśniewska pokazuje,
    że zdrowe jedzenie nie musi być drogie. Jej receptury opierają się na niedrogich i dostępnych produktach.

    Wystarczy dobrze zaplanować, można zdrowo jeść i oszczędzać.

    No dobrze, a co z różnymi sposobami odżywiania? Na SportMenu.pl są
    różne wskazówki dotyczących diety, które mogą pomóc Wam w
    zdrowiu. Niezależnie od tego, czy chcecie zrzucić kilogramy, zwiększyć swoją energię, czy po prostu zadbać o
    zdrowie, Kasia ma coś dla Was. I to wszystko w zrozumiały sposób, bez trudnego języka.

    Jedną z najlepszych cech strony SportMenu.pl
    jest to, że Kasia traktuje zdrowe jedzenie z
    uśmiechem. To nie jest żadne nudne, moralizujące gadanie o tym, czego powinniśmy unikać.
    Zamiast tego, Kasia pokazuje, jak cieszyć się jedzeniem,
    jednocześnie troszcząc się o zdrowie. To podejście bardzo mnie przekonuje i zachęca
    do częstszego odwiedzania bloga.

    Podsumowując, jeśli chcecie lepiej się czuć, samopoczucie i energię życiową, sprawdźcie stronę SportMenu.pl.
    Autorka to prawdziwa specjalistka w dziedzinie zdrowej diety,
    a jej przepisy i porady na pewno Was zachwycą.
    Gotowanie może być proste, przyjemne i zdrowe – a Katarzyna Wam to pokaże!

    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!

  10. As a passionate golf player, I can not stress
    sufficient how crucial the ideal accessories are to not only enjoying the
    game yet likewise enhancing your efficiency on the
    training course. Golf is as much a mental game as it is physical, and
    having the correct gear can really make a difference in exactly how you come close to
    each round.

    Firstly, allow’s talk about golf gloves. Numerous players undervalue the value of an excellent handwear cover.
    It’s not just about avoiding sores; a glove aids you maintain a
    regular grip on your club, which is vital for controlling your shots.
    Especially in humid or wet problems, a good glove can be the difference in between a solid drive and a wild piece.
    Gloves with a tight fit made from high-quality
    natural leather have a tendency to provide the most effective performance.
    They mold to your hand over time, providing both convenience and dependability.

    An additional usually forgotten device is the golf tee.

    Yes, it’s a tiny product, but the best tee can in fact affect your game.

    For example, making use of much longer tees with your chauffeur can assist you achieve far better launch angles, while much shorter tees are best when you
    need even more control with your irons. Personally, I choose utilizing naturally degradable or plastic tees due to the fact that they’re extra sturdy and green.

    Golf bags are one more necessary that deserve more focus
    than they generally obtain. A well-designed golf bag isn’t almost design– it’s about performance and comfort.

    If you favor strolling the course, a lightweight stand bag with great storage choices can make your round much more delightful.
    On the other hand, if you’re riding in a cart, a cart bag with
    plenty of space for all your equipment is a must.
    The best golf bag aids you stay organized,
    which is important when you require to focus on your game.

    One device that’s coming to be significantly preferred is the rangefinder.
    I can’t inform you how much this little device has boosted my game.
    Understanding the precise distance to the pin or
    dangers allows you to pick the right club with confidence.
    Whether you opt for a laser rangefinder or a GPS one, the precision these tools give is very useful.

    Lastly, never ever underestimate the importance of an excellent golf towel and umbrella.

    A towel keeps your clubs and rounds tidy, guaranteeing better get
    in touch with and accuracy, while an umbrella is a lifesaver during unexpected weather condition modifications.

    These tiny things contribute to the general top quality of your game.

    Finally, purchasing the ideal golf devices is critical for
    anyone serious about improving their video game. Whether it’s a glove
    that fits just right, a long lasting golf bag, or a state-of-the-art rangefinder,
    having the right tools can make every round
    much more delightful and effective. For any individual trying to find
    detailed reviews and skilled suggestions on the best golf equipment, I highly advise checking out https://swancreekgolfclub.com.

  11. As a serious golf player, I can not worry enough exactly how
    critical the best devices are to not only enjoying the game
    however also enhancing your performance on the program.
    Golf is as a lot a mental video game as it is physical,
    and having the appropriate equipment can truly make
    a difference in how you come close to each round.

    To start with, allow’s speak about golf handwear covers.
    Several players take too lightly the importance of a great glove.

    It’s not nearly protecting against sores; a glove
    helps you keep a constant hold on your club, which is
    essential for regulating your shots. Specifically in damp or damp problems, a good glove
    can be the difference between a strong drive and a
    wild piece. Handwear covers with a snug fit made from top quality leather often tend to supply the very best performance.
    They mold to your turn over time, supplying both convenience and reliability.

    An additional usually overlooked accessory is the golf tee.
    Yes, it’s a little item, but the right tee can really affect your video game.
    As an example, using longer tees with your chauffeur can assist you achieve far better launch angles, while much shorter tees are ideal when you need even more control with your irons.
    Personally, I prefer making use of naturally degradable
    or plastic tees due to the fact that they’re more resilient and
    environment-friendly.

    Golf bags are one more essential that are worthy of more interest than they usually obtain. A properly designed golf bag isn’t practically design–
    it’s about capability and comfort. If you prefer strolling
    the course, a light-weight stand bag with great storage
    choices can make your round a lot more enjoyable. On the other hand, if
    you’re riding in a cart, a cart bag with plenty of space
    for all your gear is a must. The right golf bag assists you remain organized, which is essential when you need to focus on your video game.

    One device that’s coming to be progressively preferred is the rangefinder.
    I can’t tell you how much this little device has actually boosted my video game.
    Recognizing the precise range to the pin or dangers enables you to pick the right club with self-confidence.

    Whether you select a laser rangefinder or a GPS one, the accuracy these tools provide is
    very useful.

    Finally, never ever ignore the relevance of a good golf towel and umbrella.
    A towel keeps your clubs and rounds clean, ensuring
    much better call and accuracy, while an umbrella is a lifesaver throughout unforeseen weather condition modifications.

    These little products add to the overall top quality of
    your game.

    Finally, investing in the best golf accessories is important
    for anyone serious regarding boosting their video game. Whether
    it’s a handwear cover that fits just right,
    a long lasting golf bag, or a high-tech rangefinder, having the right tools can make
    every round more pleasurable and effective. For any individual trying to find
    thorough reviews and experienced suggestions on the best golf gear, I highly suggest looking into swancreekgolfclub.com.

  12. Недавно я наткнулся на сайт https://masterstroy.by,
    и мне очень понравилось то, как они подходят вопросы возведения частных домов в Минске.
    Компания Masterstroy предлагает полный
    набор услуг, включая выбор проекта, строительство и финишные работы.
    Я был впечатлен их профессионализмом, который вызывает доверие.

    Когда вы планируете строительство частного дома, определение доброжелательной компании может быть непростым заданием.
    Они предоставляют опыт и гарантируют высокий стандарт на на каждом этапе.
    Их метод включает в себя все этапы строительства, что делает их выбором номер один
    для тех, кто хочет построить дом
    своей мечты.
    Кроме того, я заметил, что они проводят большое количество возможностей для отделочных работ.
    Это дает возможность клиентам найти идеальные опции, которые
    отвечают их стилю.
    В целом, если вы планируете возведение частного дома, я настойчиво рекомендую посмотреть
    к Masterstroy. Их подход и обширный опыт делают их
    отличным выбором в этой области.
    Вы останетесь довольны вашим решением!

  13. Not long ago, I was discovering a few techniques
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    This website delivers a comprehensive overview of automated
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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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