Institute of Bangladesh Studies (IBS), University of Rajshahi, Rajshahi-6205, Bangladesh

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

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

Govt. Technical College, Saidpur, Nilphamari

Lions High School, Saidpur, Nilphamari

February 01, 2024 to Present

February 01, 2018 to January 31, 2024

February 01, 2016 to February 01, 2018

April 02, 2015 to January 30, 2016

February 01, 2015 to April 01, 2015

Begum, H.*, & Haq, A. Z. (2026). Macroeconomic Cyclical Indicators and Non-Performing Loans: The Moderating Role of Country Governance in the Financial Sector of Emerging Economies. Global Business & Finance Review, 31(6), 167. https://doi.org/10.17549/gbfr.2026.31.1.167

Begum, H.*, & Haq, A. Z. (2025). Macroeconomic Determinants of Non-Performing Loans in South Asia. Journal of Management Accounting, Governance and Performance, 2(01), 26-43. https://doi.org/10.63817/jmagp.06.2025.010

Begum, H.*, & Haq, A. Z. (2021). Unveiling Bank-Specific and Macroeconomic Factors Driving Non-Performing Loans: Insights from Commercial Banks of Bangladesh. Rajshahi University Journal of Social Science and Business Studies, 29, 77-94. https://doi.org/10.64102/rujssbs.0477

Rouf, M. A., Babu, M. A., Yusuf, K. M., Begum, H., Islam, M. R., & Islam, M. (2025). Ethical consumption through reverse supply chain: exploring product’s nature as a mediator in the FMCG industry. Journal of Open Innovation: Technology, Market, and Complexity, 100608. https://doi.org/10.1016/j.joitmc.2025.100608

Rouf, M. A., Begum, H., & Babu, M. A. (2024). Customer trust and satisfaction: Insights from mobile banking sector in Bangladesh. International Journal of Science and Business, 34(1), 117-131. https://ideas.repec.org/a/aif/journl/v34y2024i1p117-131.html

Siddikee, M. J. A., Haq, A. Z., Parvin, S., Begum, H., & Fatema, M. R. (2025). IMPACT OF GREEN FINANCE ON ENVIRONMENTAL AND SOCIAL RISK MANAGEMENT INFLUENCING PERFORMANCES OF BANKS: EVIDENCE FROM BANGLADESH. Bangladesh Journal of Multidisciplinary Scientific Research, 10(1), 34-45. https://doi.org/10.46281/bjmsr.v10i1.2285

Jeris, S. S., Ibrahim, O. B. M., Chowdhury, F. A., & Begum, H. (2024). Transparency in central bank and credit expansion: empirical evidence from Asian countries. Journal of Central Banking Theory and Practice, 13(3), 271-289.

Begum, H., Rahman, M. M., Haque, M. S., & Ahmad, B. (2026). CSR exposures of Bangladesh Small and Cottage Industries Corporation enlisted firms during COVID-19. International Journal of Business Governance and Ethics, 20(3-4), 407-428.

Uddin, M. J., Begum, H., & Rouf, M. A. (2022). The impact of packaging on consumer buying decision: an application on consumer goods. Journal of Science and Technology, 20(2), 76-81.https://www.doi.org/10.59125/JST.20209

Hossain, M. S., Begum, H., Rouf, M. A., & Sabuj, M. M. I. (2023). Investigation and prediction of users' sentiment toward food delivery apps applying machine learning approaches. Journal of Contemporary Marketing Science, 6(2), 109-127.https://doi.org/10.1108/JCMARS-12-2022-0030

Uddin, M. M., Begum, H., Hasan, M., & Sultana, Z. (2023). Predicting future government revenues generation using artificial intelligence for ensuring economic development of Bangladesh. The Cost and Management, 51(3), 17-34. https://icmab.gov.bd/wp-content/uploads/2023/08/Predicting-Future-Government-Revenues-.pdf

Begum, H., Mehtaj, M., Babu, M. A., & Khatun, M. S. (2023). Determinants of Employee Job Satisfaction: An Empirical Analysis of the Banking Sector in Bangladesh. International Journal of Science and Business, 25(1), 229-244.https://doi.org/10.58970/IJSB.2197

Sultana, Z., Begum, H., & Ahmad, B. (2022). Effect of GDP growth, inflation and interest rate on national savings rate of Bangladesh: An assessment from 2000 to 2020. The Cost & Management, 50(1), 41–48. https://icmab.gov.bd/wp-content/uploads/2022/04/Effect-of-GDP-Growth-Inflation-and-Interest-Rate-on-...

Siddikee, M., Ara, J., Begum, H., & Lisone, M. (2022). Green talent management and sustainability: a study on power sector in Bangladesh. International Journal of Innovation.https://www.researchgate.net/publication/360560847_Green_Talent_Management_and_Sustainability_A_Stud...

Uddin, M. M., Siddikee, M. J. A., Begum, H., Rashid, M. M., & Islam, R. (2022). 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. Journal of Business, 7(2), 01-11. https://doi.org/10.18533/job.v7i2.259

Uddin, M. M., Rashid, M. M., Islam, R., & Begum, H. (2022). Measuring the Connotations of Economic Variables with External Debts of Bangladesh. International Journal of Asian Social Science, 12(10), 379-395.  https://doi.org/10.55493/5007.v12i10.4618

Begum, H.*, Aktar, M., & Sultana, A. (2020). The Impact of Export Processing Zones on Economic Development of Bangladesh. IOSR Journal of Economics and Finance, 11(5), 46-51.  https://doi.org/10.9790/5933-1105064651

Aktar, M., Begum, H., & Sohag, A. (2020). Impact of COVID-19 on stock market in Bangladesh. IOSR J Econ Finance, 11(4), 30-33. https://doi.org/10.9790/5933-1104063033

Sultana, M. S., Kalam, A., & Begum, H. (2017). Factors Influencing the Trading Behavior of Investors in Capital Market: An Empirical Study on Dhaka Stock Exchange, Bangladesh. IOSR Journal of Business and Management (IOSR-JBM), 19(1), 01-09.  https://doi.org/10.9790/487X-1901010109

Ara, J., & Begum, H. (2018). Factors influencing customers in bank selection: A study on Northern Region of Bangladesh. IOSR Journal of Business and Management, 20(7), 73-80.  https://doi.org/10.9790/487X-2007017380  

Sultana, A., Ara, J., & Begum, H. (2018). Evaluation of Credit Management of Uttara Bank Ltd-A case study from the customers’ point of view. International Journal of Science and Business, 2(4), 664-676.  https://doi.org/10.5281/zenodo.1481692

Sultana, Z., Begum, H., & Ahmad, B. (2022). Effect of GDP growth, inflation and interest rate on national savings rate of Bangladesh: An assessment from 2000 to 2020. The Cost & Management, 50(1), 41–48.

Begum, H.*, Parvin, S., Sultana, Z., & Muhammad, N. CUSTOMER PERCEPTION ON GENERAL BANKING ACTIVITIES OF DUTCH-BANGLA BANK LIMITED.

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

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

Hossain, M. S., Jaman, S. M. S., Begum, H., Datta, R. K., Rouf, M. A., & Sabuj, M. M. I. (2026). Measuring Satisfaction and Purchase Intention of Smartphones for Learning Purposes Towards Emotional Aspects of Students: TAM and SOR Approaches. In Insights on Consumer Psychology in the Digital Landscape (pp. 211-250). IGI Global Scientific Publishing.  https://doi.org/10.4018/979-8-3373-2424-1.ch008

Hossain, M. S., Datta, R. K., Sabuj, M. M. I., Begum, H., & Rouf, M. A. (2025). Analysis and Prediction of Customer Sentiment for Real Estate Organizations Using Machine Learning Approaches. In Transforming the Service Sector With New Technology (pp. 209-232). IGI Global Scientific Publishing.  https://doi.org/10.4018/979-8-3693-7447-4.ch013

Funded by: University Grand Commission of Bangladesh

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

Funded by: Rajshahi Education Board

Funded by: Rajshahi Education Board

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.

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

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.

URL: https://www.facebook.com/humaira.hstu

URL: https://scholar.google.com/citations?user=Rwm6g4gAAAAJ&hl=en

URL: https://www.researchgate.net/profile/Begum-Humaira

URL: https://www.linkedin.com/in/humaira-begum-3a734996/?originalSubdomain=bd

URL: https://orcid.org/0000-0002-5355-415X