Profile of Humaira Begum


Humaira Begum

Assistant Professor

Department of Finance and Banking (FIB)

Faculty of Business Studies

Hajee Mohammad Danesh Science & Technology University, Dinajpur.


Mobile: +8801766397707


    Radiate my career as an academician in a dynamic environment that grants me to permeate both my academic and technical caliber towards the growth of the organization.


    Financial Distress (NPLs), Financial Technology (Fintech), Financial and Non-Financial Institutions, Machine Learning, and Corporate Governance


  1. M.B.A.(Major in Finance), 2014

    Hajee Mohammad Danesh Science and Technology University, Dinajpur, Bangladesh.

  2. B.B.A.(Major in Finance), 2011

    Hajee Mohammad Danesh Science and Technology University, Dinajpur, Bangladesh.

  3. H.S.C (Science), 2006

    Govt. Technical College, Saidpur, Nilphamari

  4. S.S.C (Science), 2004

    Lions High School, Saidpur, Nilphamari


  1. Assistant Professor
    Hajee Mohammad Danesh Science and Technology University, Dinajpur

    February 01, 2018 to Present

  2. Lecturer
    Hajee Mohammad Danesh Science and Technology University, Dinajpur

    February 01, 2016 to February 01, 2018

  3. Lecturer
    Sonargaon University, Dhaka

    April 02, 2015 to January 30, 2016

  4. Lecturer
    Bangladesh University of Business and Technology (BUBT)

    February 01, 2015 to April 01, 2015


Journal Papers

  1. CSR exposures of Bangladesh's Small and Cottage Industries Corporation enlisted firms during COVID-19

    Read More

    Read More
  3. Investigation and prediction of users’ sentiments toward food delivery apps applying machine learning approaches

    Read More
  4. Predicting Future Government Revenues Generation Using Artificial Intelligence for Ensuring Economic Development of Bangladesh

    Read More
  5. The impact of e-banking service quality on customer satisfaction: evidence from Sonali Bank Limited, Bangladesh

    Read More
  6. The influence of capital structure on the financial performance of Sonali Bank Limited

    Read More
  7. Impact of capital structure on bank performance: a study on Janata Bank Limited of Bangladesh

    Read More
  8. Impact of factors affecting customer satisfaction towards corporate loan in the Banking Sector of Bangladesh

    Read More
  9. Determinants of Employee Job Satisfaction: An Empirical Analysis of the Banking Sector in Bangladesh

    Read More
  10. Effect of GDP Growth, Inflation and Interest Rate on National Savings Rate of Bangladesh: An Assessment from 2000 to 2020

    Read More
  11. Effect of liquidity on the profitability of banks using revisited panel data analysis: does ownership structure matter?

    Read More
  12. Green Talent Management and Sustainability: A Study on Power Sector in Bangladesh

    Read More
  13. Measuring the relationship and trend analysis among the macro-economic variables (Revenues, per capita income, GDP, and annual budget) in the successive periods of Bangladesh

    Read More

    Read More
  15. The Impact of Export Processing Zones on Economic Development of Bangladesh.

    Read More
  16. Impact of COVID-19 on Stock market in Bangladesh.

    Read More
  17. Factors Influencing the Trading Behavior of Investors in Capital Market: An Empirical Study on Dhaka Stock Exchange, Bangladesh

    Read More
  18. Factors Influencing Customers in Bank Selection: A Study on Northern Region of Bangladesh

    Read More
  19. Evaluation of Credit Management of Uttara Bank Ltd-A case study from the customers’ point of view

    Read More
  20. Entrepreneurship Development through Islamic Banks in Bangladesh: A case study on Ibbl and Aibl

    Read More

    Read More

Conference Papers

  1. The Effect of Fintech Investments on Bank Performance: Evidence from Bangladesh

    International Conference on" South Asia in the Post COVID Global Crisis: Politics, Economy, and Society,"

    Organizer: Faculty of Social Science, University of Rajshahi

  2. User sentiment analysis and prediction of food delivery app reviews using machine learning approaches

    2nd International Conference on Business and Economic Challenges (ICBEC), 2022

    Organizer: Faculty of Business Studies, HSTU, Dinajpur


  1. Prime Minister Gold Medal- 2013

    Funded by: University Grand Commission of Bangladesh

  2. Deans Scholarship

    Funded by: Dean, Faculty of Business Studies, HSTU, Dinajpur

  3. Higher Secondary Board Scholarship

    Funded by: Rajshahi Education Board

  4. Primary School Scholarship

    Funded by: Rajshahi Education Board


  1. 'Does FinTech have an impact on the performance of banking sectors of Bangladesh?'

    Funded by: Institute of Research and Training (IRT), HSTU

    Position: Principal Investigator/Research Supervisor

    Description: The objective of this research is to examine the correlation between the adoption of Financial Technology (FinTech) and the performance of banks in Bangladesh from 2014 to 2021. The study utilizes data from 32 commercial banks and uses panel static models and Generalized Method of Moments (GMM) approaches for analysis. The results of the study reveal a strong and statistically significant correlation between the adoption of FinTech and the performance of banks in the setting of Bangladesh. Moreover, the research highlights the dimensions of bank size, loan portfolio, and deposit levels as significant determinants of bank performance, highlighting the complex and interconnected nature of this association. The correlation between bank performance and macroeconomic indicators, such as inflation and GDP, has been observed to be statistically significant in the context of Bangladesh. The findings underscore the significant impact of FinTech on molding the overall operational outcomes of banks within the dynamic and growing financial environment of Bangladesh. Keywords: Bank performance; FinTech; Bangladesh; GMM.

  2. Effect of Liquidity on Profitability of Private and State-Owned Commercial Banks of Bangladesh: Revisited Panel Data Analysis.

    Funded by: Institute of Research and Training (IRT), HSTU

    Position: Principal Investigator/Research Supervisor

    Description: This study aims at examining the effect of liquidity management on the profitability of banks. To accomplish this objective, 32 banks of Bangladesh including second and third generation banks are taken as a sample. The secondary sources of data have been used for this study. Hausman specification test is run to identify the appropriate model which suggests that random effect model is suitable for this study. Current ratio is taken as a proxy variable for liquidity of bank which is also found to have a positive impact on profitability of bank whereas capital adequacy ratio, interest rates are also found to statistically significant for influencing the performance of the bank. So, this study also suggests that proper management of current ratio, interest rate and capital adequacy ratio will raise the profitability of the banks and the policy makers should focus on this. Keywords: Liquidity, Banks, Current Ratio, Profitability, Bank Performance

  3. Prospects and Problems of Digital Currency and Possible Opportunities in Bangladesh.

    Funded by: Institute of Research and Training (IRT), HSTU

    Position: Principal Investigator/Research Supervisor

    Description: This study attempts to present the prospects and problems of digital currency in Bangladesh as well around the world. To demonstrate the prospect price and trading volume of selected ten digital currencies being presented for observing the emerging demand. From our country's perspective, the opinions of the respondents collected through questionnaires shed light on the prospect of digital currency in Bangladesh. Additionally, the study presents a systematic literature review (SLR) of research on digital currency. The review incorporated 11 articles presenting several issues related to digital currency. This study uses data from 2013 to 2020 for respective currencies. Price and trading volume are graphically presented to demonstrate their trading pattern. As well respondent’s opinions collected through questionnaires are presented as per percentage. This study also makes theoretical contributions to the extant literature. The findings demonstrate that digital currency is now successfully traded in most of the countries around the world except a few. Descriptive statistics of price and trading volume indicate that most of the variables are highly skewed with large outliers and kurtosis column shows that all the variables are near to normal distribution and investment regarding these values indicates a safe trading. Whereas the consents of 175 respondents present a positive attitude of the general public towards digital currency. Besides that, the SLR findings suggest that a secure system and advanced technology should be attached to the blockchain system to ensure better performance. The SLR findings also point out that digital currency is obviously a better alternative to cash, although it has some risks.


winwin winwin winwin winwin winwin bongda tv winvn SEN88 D9BET