Day: June 1, 2023
ECO-FRIENDLY Roofing Tiles TAKE THE LEAD Industry challenges need to be addressed, say entrepreneurs
Time is NOW for eco-friendly clay-made roofing tiles and now is TIME for tile makers. They are the Bangladeshi makers of clay tiles who have gone global as their tiles have opened up the door of a huge export possibility, especially to Europe. The making of clay tiles is simple but it needs amazing artistry as well as artisanal skills. Fluffy mud is made by mixing soil and water. It then dries in the sun and is burned only to turn into clay gold. The artistic tiles with Bengal clay have revolutionised the style. However, clay artisans were once about to lose their hopes and dreams with their centuries of tradition. They then have turned the corner and things are looking up with the coming of the modern machine-driven industry. The clay artisans have turned around to weave a new web of hopes and dreams. Famed for its ‘Tiles Empire’ over the years, Satkhira has eco-friendly roofing tiles to its credit. Kolaroa Bazar in Kolaroa upazila, some 18 kilometres of district headquarters, is one of the prosperous trading points in Satkhira. Murarikathi village is located just 1.0 km away from the upazila headquarters along the border of the district. The artisans of Murarikati-Sripatipur have built an empire of various sorts of roofing tiles. The village, also called Kumarpara, has now got the moniker ‘Italy Town’ plausibly for exporting a massive volume of tiles to the European country. Tile factories used to produce 700-800 containers a year just a few years back. Some 300-400 container tiles were exported to Italy through Mongla seaport. The price of the product per container is average US$ 15000 Eco-friendly tiles Eco-friendly tiles There is a huge local market for roofing tiles if these hand-made tiles are given a more modern touch and the initiative is taken to use them as an artisanal tile in buildings and structures. During the British raj, cottages, offices or residences of the gentlemen used to have tiles at the peak that are still visible in the ancient architecture of Britain. Although a large number of potters have left Bangladesh, some in Kolaroa have kept the traditional tile industry alive in the frontier district. Until the mid-1960s, there were hardly any houses in the country that did not have a tile-made house or two. As it came cheap, roofing tiles became popular after rice and wheat straw-built structures. The structures were felt cool and comfortable during the summer. How Palparaenters European market The traditional tiles industry almost sank into atrophy when the potters associated with tile production left the country in the mid-60s. Satish Chandra Pal, a native of Palpara in Kolaroa, started crafting house canopy tiles in about 1952. From there, potters spread across the country. As Mr Satish Chandra died after independence, the pottery business simply collapsed. Due to their deep-rooted poverty, many artisans left their ancestral profession. With the passage of time, the potters have changed. They are now making tiles using clay. In 2003, local potters created a revolution by pouring clay into a wooden frame and drying it in the sun, making Bengali tiles in line with Italian design. Since then, Bengali tiles are being exported to Italy How are the legacy-bearers? Among those artisans is Gostho Chandra Paul, the president of Kolaroa Upazila Tali Malik Samity [Tiles Owners Association] and also proprietor of Kolaroa Clay Tiles. But he now struggles to survive as his long-cherished art is on the verge of extinction for a number of reasons. The 60-year-old Paul, who has a three-member family, is producing 1,000 units of tiles at his factory per diem. Each unit is currently being sold at Tk 8.0. He earns Tk 1.6-1.7 million per annum. Getting disgruntled and disappointed over the waning business situation, most owners and workers associated with this industry have already lost their jobs. Mr Paul observed that modernity has affected almost all sectors of the country. However, the tiles industry is yet to get the touch of modernity. Production costs have increased manifold, but the price of tiles has not increased. Mr Paul’s forefathers launched crafting eco-friendly roofing tiles in 1947. However, it all started for Mr Paul in 1986 when he set himself up in business with Tk 3,000 only. Ten workers were employed at his factory when he started crafting eco-friendly roofing tiles traditionally. His uncle told him to be self-reliant and build his own future through the long traditional business, which he acquired lineally. But at least 40 tile factories got shut down in the past six years due to their persistent business losses. Now, the number of factories there is about 12. Almost 6,000 workers become unemployed and only 600 are absorbed elsewhere. For generations, the Pal community in the locality has been contributing a lot to this thriving sector. Mr Paul is also committed to continuing their forefathers’ business at any. In 2003, this clay tile was first exported to Italy. Businessman Ruhul Amin exported the eco-friendly tiles there. Arno Export Import, Shuvo Trade Limited, FH Khan Limited, Maa Cottos Inc., Nikita International, Koto Innovator, JK International, Polo Epo Organic Tiles and D Chandra Paul have followed Mr Amin’s footsteps. They are exporting tiles to Italy, Dubai, France, the UK, Australia, Germany and the Netherlands. Mr Chandra Paul, proprietor of Kolaroa Clay Tiles, said Mr Amin continued to look for suitable soil in different parts of the country for exporting tiles to Italy. Finally, Mr Amin found his desired soil in Murarikati area. He is the pioneer in exportable tile business. As the number of roofing tile factories increased in Kolaroa until 2019, the stock remained high at the time. Every year, 300-400 containers of tiles went to Italy. Such tiles are manufactured and sold for 6-7 months in a year. Usually, tile-making season starts from October and continues until the May-June period. Tiles cannot be crafted during the rainy season. Foreigners are using the tiles for floors and walls of their houses because of its eco-friendly nature.
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Reflections on FY24 budget
Finance Minister AHM Mustafa Kamal has authored a Taka 7,61,785 crore budget for the new fiscal year (2023-2024) with the vision of building a developed ‘Smart Bangladesh’ by 2041. The budget that was proposed in parliament in 1st June is 15.33 per cent higher than the revised budget of the outgoing financial year (Tk. 6,60,507 crore). “The budget Taka 7,61,785 is 15.2 per cent of the GDP (gross domestic product),” he said while reading out 248-page budget speech. He proposed allocation of a total of Tk 4,36,247 crore for operating expenditures and Tk 2,63,000 crore as the Annual Development Programme (ADP). The target of attaining GDP growth was fixed at 7.5 per cent and containing inflation at 6 per cent. The overall deficit in the budget would stand at Tk 2,61,785 crore, which is 5.2 per cent of GDP. Out of the total deficit, Tk 1,55,395 crore would be financed from domestic sources and Tk 1,02,490 crore from external sources. The finance minister set an estimated revenue earning target of Tk 5 lakh crore for the fiscal. “Out of this, Tk 4,30,000 crore would be collected through the National Board of Revenue and Tk 70,000 crore from other sources.” The Tax-GDP ratio is now only 7% and is proposed to be raised to 10% in the new budget. The finance minister wants to increase the percentage of direct tax to 45 per cent from 35 per cent. However, the budget practically depends more on indirect tax. The finance minister said that commission-based private collectors would be appointed for tax collection. The most talked about issue regarding the budget is meeting the conditions of International Monetary Fund (IMF), which granted a loan of US$ 4.7 billion at the beginning of this calender year. The global agency has put forwarded 38 conditions that have to be met in the next three and a half years for access to the loan. Nearly half of the conditions have to be implemented by the new fiscal year 2023-24. Budget meant for all – rich and poor : Kamal Finance Minister Mustafa Kamal said that the proposed budget has been awarded to all sections of people, including the rich and the poor, while all the projections made in the budget would be attained as like the previous years. He, however, categorically mentioned that the proposed budget had not been framed in line with the IMF suggestions. Kamal said the IMF usually gives suggestions to its member countries on maintaining balance sheet as well as properly maintaining income and expenditure accounts, which he thinks, is a good thing. He added that the IMF not only helps the member countries with credit support, but also extends support in project delivery in a flawless manner. “We can only take their (IMF’s) suggestions which we feel necessary.” The minister proposed imposing environmental surcharges on multiple vehicles. In the budget, the annual tax-free income threshold raised from Tk 300,000 to Tk 350,000 would give some relief to individual taxpayers. Some 50 types of fees would increase that include travel tax. The government estimated that private sector investment would increase to 27.4% of GDP in FY24 while it remains at 21.8% in FY23, meaning that an additional Tk 4,04,097 crore or 41.8% growth is required. Tk 2.63 lakh crore earmarked for ADP The size of the Annual Development Programme (ADP) for the fiscal year 2023-24, is Taka 2.63 lakh crore with the highest allocation of Taka 75,945 crore (29% of allocation) for the transport and communication sector. The ADP for the fiscal year was approved at a meeting of the National Economic Council (NEC) earlier. Out of the original ADP allocation of Taka 2,63,000 crore, an amount of Taka 1,69,000 crore would come from local loan sources while Taka 94,000 crore from foreign loan and grants. Considering an allocation of Taka 11,674 crore for autonomous bodies and corporations, the overall ADP size has stood at Taka 2,74,674 crore. The overall ADP size include an allocation of Taka 8087 crore as foreign development assistance. The number of projects in the new ADP totaled 1,309. – 1,118 investment projects, 22 survey projects, 80 technical assistance projects and 89 projects from the autonomous bodies and corporations. According to the new ADP, the highest 10 allocation recipient ministries and divisions are the Power and Energy Division (Taka 44,393 crore or 17% of allocation), the Road Transport, Highways and Bridges Division (Taka 43,126 crore or 16.5%), the Railways Ministry (Taka 14,960 crore or 5.5%), the Local Government Division (Taka 40,503 crore or 15.5%), the Secondary and Higher Education Division (Taka 14,086 crore or 5%), the Ministry of Primary and Mass Education (Taka 12,018 crore or 4.5%), the Science and Information Technology Ministry (Taka 12,980 crore or 5%), the Health Services Division (Taka 12,209 crore or 4.5%) and the Ministry of Agriculture (Taka 10,707 crore or 4%). Ten projects with the highest allocations in the new ADP are the Rooppur Nuclear Power Plant Project (Taka 9,707 crore) followed by the Matarbari 2×600 MW Ultra Super Critical Coal Fired Power Project with Taka 9,081 crore, fourth Primary Education Development Programme (PEDP-4) with Taka 8,586 crore, Dhaka-Ashulia Elevated Expressway Construction project with Taka 5,870 crore, the Padma Bridge Rail Link project with Taka 5,500 crore, Hazrat Shahjalal International Airport Expansion with Taka 5,499 crore, Dhaka Mass Rapid Transit Development Project Line-1 with Taka 3,911 crore and Line-6 with Taka 3,425 crore, Bangabandhu Sheikh Mujib Railway (Jamuna) Bridge Construction project with Taka 3,778 crore. Some industries may be affected The country’s businessmen are paying the price of the government’s policy on energy, said the deputy leader of opposition in parliament, former minister and industrialist Barrister Anisul Islam Mahmud. The business leaders are not generally viewing the budget in general as business-friendly. Taxes or duties on imports of raw materials and VAT in some sectors are increased, that may affect the prices of some products and these sectors may not attain the capacity to boost, they said. However, the gains tax
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Standing by the Visually Impaired
An alternative orthography for the vision-impaired, Braille, is a form of written language consisting of raised dots on a surface, in patterns that resemble letters, numbers, and designs (for paintings/artwork). Braille came on papers during the early 1800s by a Frenchman called Valentin Hauy; and was an effective way for visually-impaired people to read. The language, now universally accepted, originally came from the mind of Louis Braille who lost his eyes at the age of three. Young Braille was self-motivated, and went on to study at the Royal Institute for Blind Youth (One of the first institutes for blind children, now known as the National Institute for Blind Youth). During his studentship there, he started developing a tactile coding method which soon emerged as a globally acknowledged form of writing and reading for the vision impaired. Akij’s Braille tiles In collaboration with CarrotComm Ltd. Akij launched their Braille tiles on International Mother Language day 2022, to help over 800,000 existing and recorded blind populace of the country. The Tiles, just like the Japanese ones, will have Braille messages to help those who are visually impaired. The 2022 collaborated campaign was called “Let the walls be Language friendly”. “Language should not be a luxury but a fundamental right for everyone” – Akij Ceramics. Here’s how it works One to six dots arranged in each pattern, forming one of 63 characters, felt by the fingertips or soles. We now have Braille for a lot of things such as money, books, novels, and TILES as well. That brings us to: Braille pavements – It came about in 1967 by the hands of the Japanese; first used as flooring for a street in Okayama. The flooring now, is widely encouraged to be used as directions and warnings/Hazard signs for blind people. The campaign intended to promote the use of Braille tiles to help blind people navigate properly. With a steadfast aim to create an all-inclusive society, Akij’s Braille tiles have now been on the market for over a year. Akij uses modern SACMI technology in an attempt to mass produce perfects. The company brought in machineries from Italy and Spain, all dedicated to manufacturing a high volume of Braille tiles if need be. Upon asking about the most common messages that are imprinted on tiles, Mohammed Khourshed Alam, Director (Operations) of Akij Bashir Group, stated that navigation signs in bus-train stations, markets, educational institutes, etc. are most commonly used forms of Braille tiles. “In terms of sales, the company is focused on the number of people helped rather than the number of units sold.” Braille messages on tiles can be customised to any typefurther adding to the usefulness and versatility of it. Mr. Khourshed Alam believes that if every organisation actively participates by installing Braille tiles, the world for the visually impaired would ease. He also hopes to foster a diverse and inclusive society. Akij collaborated with CarrotComm Ltd. to install Braille tiles at the Icon Eye Hospital Ltd. Akij did this free of cost for Icon Hospital, and spent around Tk 10 lakh in the project.Accolades Best Brand Award from Bangladesh Brand Forum, 2019-22. Most Innovative Solution For Disabled People from the 5th Bangladesh Innovation Award. Written by Chisty Rahim
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RANGAMATI After Gondwana Split
What oozes through your psyche when you hear the word “Rangamati”? For those who have never been there, it might be their half-blurry memories of their very first introduction to the space through their family albums holding photographs shot on a 35mm roll with a Yashica of their newly married parents standing atop a hill with the view of a boundless blue waterbody on the backdrop, or peculiar visuals and texts from their shoddily printed middle school textbooks, where they might have scribbled humorous drawings later on. Whilst for others, it might be freshly baked memories from their last winter trip with friends at the space. Memories of meeting mesmerizing fauna and flora while on a hike through the thrilling trails and their first ever kayaking experience full of excitement and sudden waves of mild fear of drowning from time to time, as they kept the crutch strap locks on check of the old orange life jacket embracing their torso. And for some, finally inhaling the clouds straight into their soul, something they have always envisioned when swimming inside deep daydreams while listening to their favorite romantic music in the background and seeping through the lines of their favorite book about life from a beloved author. But how many of us have actually ever intended to put an honest effort to understand, respect history and internalize the truest essence of a space like Rangamati instead of just always perceiving such spaces like the mindlessly romanticized gazes and activities of the typical tourists, especially in this era of travel package advertisements consisting of hideous drone footages floating around social media? Rangamati is Rangamati, well the entire Chittagong Hill Tracts are a lot more than just an alluring tourist attraction from our southeast and the tessellated spiels. Travellers should be mindful, hence, the least we can try is to educate ourselves and others regarding the complex historical and contemporary contexts of the space from veracious sources, acknowledge the authenticity and try to be on the right side of history. Rangamati is indeed a living embodiment of the meaning of its name, ‘colorful soil’. Millions of years ago Gondwana decided to split, forcing the Indian plate to drift northward and collide with the Eurasian plate resulting in the creation of the Tibetan Plateau which breathes the mighty Himalayas. And due to these otherworldly collisions taking place, the low-lying world’s biggest delta which also later formed from the sediments of the same Himalayas, got its gift of high-altitude lands on the fringes of its body, notably in the southeast where Rangamati serenely rests tall. This geographical history also explains why the region has a complex topography, shaped by the erosion and weathering processes. The distinct features of the myriad of hills, valleys, and water bodies are the result of the geological activities going on for eons and in light of this geographical history and map of present-day Bangladesh, it won’t be an exaggeration to say that Rangamati rose before, watching over the rest. Just like its original inhabitants came before us Bengalis. The main attraction of Rangamati is the Kaptai Lake with its scenic splendor. Created in 1960, it is the largest artificial lake of the country having a surface area of 58,500 acres and water holding capacity of 525,000 m3. The lake, dotted with islands, captivates the tourists with its beauty and calmness. Dumlong, considered to be the third highest mountain peak in the country, belonging to the Rentlang Range is about 3,316 feet in height and located in the Bilaichhari Upazila of Rangamati. Roughly thirteen thousand five hundred acres, this fighting land of the ancient kings also boasts as the largest district in the country in terms of land area and also the only district to share international borders with two other neighboring countries, India and Myanmar. The aura of this place will forever be onerous to describe with words regardless of the copious sum of visual and textual information on the internet about the place, starting from must-visit areas to food to accommodation. It is one of those spaces where one has to be physically present and gradually attempt to internalize the rest in order to get the taste of its inexplicable flavor, to the least. The indigenous folks lurking through the veins of Shuvolong; the piercing reverberation of the not to be spoken tales buried beneath the bloody blues of Kaptai; getting lost in a hiraeth of a never confessed love while inhaling the waves of floating white cotton candies straight into the deepest labyrinth of the soul; the shimmery kisses of the full moon dancing like a mystic ballerina all over Karnaphuli’s body as the million years old wind from the unfamiliar mountains caress your hair and softly shuts your eyelids making your mind trek through the fresh memories of trekking and the smell of limestone from the dimly lit rooms inside the heart of Alutila, or the star gazing nights spent on the adibashi village which shook you with the most chasmic lesson of anthropology; one can never get overdosed from the lures of Rangamati, they can either dissolve within its magic or leave parts of their soul and come back from time to time in quests to search for it. Even deliberately letting it go every time they meet their soul, only to use it as an excuse to return the space in the albino fogs of winter, in the magnanimous drizzles of monsoon over the acres of inclined jhum fields and to hold the dry leaves resting over cold palms like mannequins of butterflies waiting to take flight with the winds of the autumn. One of the most well-known tourist destinations in Rangamati is Sajek Valley, which is located among the hills of the Kasalong mountain range in Sajek union of Baghaichhari Upazila. The valley at 2000 feet above sea-level. The Sajek Tripuri Valley is referred to as the roof of Rangamati and the Queen of hills. The Sajek river, which flows from the Karnafuli
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Glimpse of The Architectural Legacy of DWm4
DWm4 Architecture stands out as an innovative and visionary design studio, among the leading firms in the country. With its unwavering commitment to excellence, DWm4 has redefined the architectural landscape of Bangladesh through its creative and sustainable designs. Under the partnership of architect Mamnoon Murshed Chowdhury, architect Mahmudul Anwar Riyaad, and architect Shaoki Shamim, this renowned firm has been at the forefront of reshaping the country’s urban landscape with its innovative designs. In practice since 1995, DWm4 has been open to reshaping itself in terms of new design ideas, and also in management and operating strategies. Over the years, the practice has involved three separate and autonomously run units for architectural design [DWm4 Architects], interior design [DWm4 Intrends], and design-build projects [DWm4 Interprise]. While the founding partners, architect Mamnoon Murshed Chowdhury and architect Mahmudul Anwar Riyaad are involved in all three; the ID and Design-Build establishments have partners namely architect Daniel Haque and architect Arif Khan in chief executive and operating positions. In 2022, architect Shaoki Shamim joined DWm4 Architects as the third partner. All three architects had been members of the DWm4 team for a good number of years before joining as partners. With the younger generation coming on board, the vigour and architectural energy are strengthened through better mid-level management, enabling the practice to continuously make additions to its visions. The focus on re-structuring and evolution in DWm4 is based on the intent to produce designs of significance and relevance. While all projects follow the essential principles of being truthful to function, climate, structure, and aesthetics, they vary significantly so as not to be repetitive and predictable. For example, the architectural language is different in the office buildings like Bay’s Edgewater, Prime Bank Head Office on Gulshan Avenue, and Grameen Telecom Trust [GTT] Bhaban in Mirpur. The differences inherently are derived from site context and structural and functional prerogatives. landscaped precinct is created to bring tranquility to the context by appearing as an oasis to the pedestrians. The landscape is viewed from the interiors through the glass façade, and from the terrace formed by terminating the concrete portal on the 8th Floor, which is adjacent to the social spaces like the dining hall area, and daycare room. Another terrace facing East, adjacent to the Board Room on the 19th floor, is also a nod to the context as it provides a panoramic view of Hatirjheel. The design of Bay’s Edgewater celebrates the building’s location – accentuating the views from the interior spaces towards the sensual curves of the lake. At the same time, the layout does justice to its setting in a corner plot – separating the incoming traffic toward the more public café and gallery areas from the regular officegoers. Due to the careful attention to functional attributes, MEP, and BMS elements, after almost a decade of completion, the performance of the building is still stellar. The Prime Bank building is set deeper into the site as much as possible to be away from the maddening traffic of Gulshan Avenue. This was possible due to the site’s elongated shape. A 70-foot deep The Grameen Telecom Trust (GTT) project was designed on a partially built structure with fixed cores. By deleting one structural grid at the front and creating a water body at the place, the architects created a transcendent mediating space between the street and the double-height entry. Similarly, the very deep building floor plate was broken into two blocks by doing away with the middle parts of the floor slab by inserting a skylit atrium, which also ensured north-south airflow. The edges of the atrium are not static and shift in sections at different vertical levels. The facade is an intriguing composition of glass and concrete, creating a dynamic interplay of transparency and solidity. The patterns are inspired by organic lines of leaves and provide the building with a dynamic expression. The transparent glass sections allow natural light to enter the building, reducing the reliance on artificial lighting. About the project, architect Mahmudul Anwar Riyaad said, “We worked with the section of the building, which resembles a gallery. The ground floor lobby is dedicated to the people and space, encompassing a vast openness.” The building, designed in collaboration with architect Rashed Chowdhury reflects on people, progress, and emancipation. The field becomes more than just a patch of land; it becomes a symbol of joy, innocence, and a shared sense of community: In the typology of residential buildings, DWm4 has a large number of building projects that address the core concerns of natural light, ventilation, optimisation of space, and communicating with the context. Be it a single-family residence like the Reaz Loft in Khanpur, Narayanganj, or a multi-family building like Pohela Boishakh in Banani, Dhaka, these ideals find reflection in the designed forms. In Pohela Boishakh, the front landscape, the double-height drop-off area, and the lobby mediate with the street and creates a transition from public to private domain. The community space on the ground floor has a space that is designed as a café where residents come together and bond. The textures on the wall and floor are inspired by alpona motifs, reinforcing the spirit of Pohela Boishakh. The collaboration between the developer Signature 11 and DWm4 Architects ensured the seamless integration of architectural design and real estate development expertise, resulting in a remarkable building. The Reaz Loft stands as an incredible architectural achievement within the busy town of Narayanganj. This home on a very narrow strip of land, blends in with its surroundings and embodies modern living while paying attention to treasured memories of a special childhood field that is located in front of the loft. The elegant layout exhibits modernism with an emphasis on functionality and clear lines. As architect Riyaad explains, “Even though there was no room for horizontal deviations, we used our creativity to play with the building’s sectional elevations.” The structure stands as evidence of the designers’ keen eye for detail and commitment to creating spaces that resonate with the
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Bangladesh far away from tapping insurance potential
“The insurance sector’s share in the country’s gross domestic product (GDP) can be raised up to 10% from the current rate of 0.5% in the next 10 years, if the National Insurance Policy 2014 is properly implemented, and public awareness is created in this regard,” Managing Director and CEO of Pragati Life Insurance Limited (PLIL) Md Jalalul Azim told Ceramic Bangladesh (CB) in an exclusive interview. There is a huge potential for both life and a non-life insurance sector in Bangladesh as the country’s economy is booming. “But, we can’t exploit the potential due to image crisis, lack of proper monitoring by the Regulatory Authority, shortage of skilled manpower, and lack of awareness among many people,” Jalalul Azim said. Md Jalalul Azim Managing Director and CEO Pragati Life Insurance Limited There are a total of 82 insurance companies in Bangladesh, including 35 life insurance companies. Of these, the government has two companies– Jiban Bima Corporation and Sadharan Bima Corporation. However, the insurance sector does not flourish as per stakeholders’ expectations due to alleged violation of rules and regulations that leads to unethical practices at different levels. “We have more insurance companies compared to the need. For example, India is one of the world’s largest economies and has the highest population but there are only 52 insurance companies there. Steps of Pragati Insurance Pragati Life Insurance Limited (PLIL) is a third generation company, and Pragati Insurance Limited (PIL) is the first generation company in the country. Considering the overall situation, Pragati Insurance companies are in a better position compared to others. Pragati General Insurance Company along with others got a license in 1985. After achieving success through dynamic activities, the company’s entrepreneurs launched Pragati Life Insurance Limited in 2000. It started with a paid-up capital of Tk 30 millionagainst an authorised capital of Tk 250 million. However, the second generation insurance came in 1990, and the fourth generation in 2013-14. Pragati have 371 branches across the country. The life insurance premium was Tk481.76 crore in 2022 and met claims of Tk315.75 crore in the same year. In view of premiums, “we are now in 7th position among 33 insurance companies. We are in the capital market too. Our share price is the second or third highest in the stock market. Every year, we pay dividends to our shareholders.” The Pragati Life Insurance CEO, Mr Jalalul Azim, said, “We pay insurance claims properly without any hassle while many companies can’t pay their customer’s claims. It seems owners of many insurance companies don’t have a proper idea about insurance operations. So, they can’t pay their client’s claims amply. As a result, a negative idea among many people has been created in our insurance sector.” Overall, he thinks, Pragati is one of the better companies in the country. Why will people take insurance? In general insurance, clients can demand their claims after an accident. On the other hand, clients can demand the claim in both situations after the ending of insurance tenure and accident in life insurance, the Pragati CEO said. Common people get more benefits if they take insurance from reputed companies. Accidents may occur at any time in life. The victim’s family will get a handsome amount if a member takes insurance. Besides, if industrial units are burnt, ships are sunk, and airplanes are devastated from time to time and if businesses take insurance, it can overcome financial crises somewhat. Hence, there is a difference between banking and insurance systems. Banks can give a fixed profit to customers after an estimated period. But an insurance company can give a guarantee. “We do insurance over Tk. 50,000. And, if someone does insurance of Tk. 1 crore, we do Tk. 10 lakh insurance on our own and we do reinsurance at a foreign company for the rest of the amount.” As it is a Muslim-majority country, the demand for Islamic insurance is increasing. But there is a lack of skilled manpower, and policy here. There is no skilled person at the Shariah council to operate the Islamic insurance system. “We have also a service named after Takaful. A policy is very necessary for Islamic insurance.” Insurance for ceramic manufacturers The country’s ceramic manufacturers have to import different types of raw materials to manufacture ceramic products. During the import of the materials, accidents may occur at sea or on roads. For temporary financial support from damage, businesses should take insurance, Mr Azim also said. As per the government direction, import and export businesses have to take non-life insurance during Letter of Credit (L/C) opening. However, every businessman should take the benefit as it has a priority in the globe. Lack of skilled manpower Insurance Development and Regulatory Authority (IDRA) issued a rule for appointing Managing Director (MD) and Chief Executive Officer (CEO) but such highly qualified officials are not available in the market. Insurance-related technical departments also lack skilled manpower to operate insurance companies here. For example, Actuary is important in the insurance sector but there is only one actuary professional who is now 80 years of age. “So, our sector can’t flourish as per the potential.” There is also unhealthy competition in the industry. The government has fixed premiums for general insurance, but some companies offer commissions of up to 50 percent to customers. “There is no reinsurance company in Bangladesh. If the company does not do reinsurance how will it meet customers; claims? So they find a tricky way, he added.” Insurance companies can’t meet the claims of clients without maintaining professionalism. “IDRA installed observers in insurance companies. But if they don’t have money how they will meet the claims?” he said. To bring discipline in the sector, all companies must be brought under rules and regulations. Otherwise, public trust won’t build and develop the sector, the MD said. Sector growth decline Despite economic growth, there is no such progress in the insurance sector. The premium of insurance companies is 0.5 percent of GDP contribution which was 1.0 percent five years ago
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SUSHI TEI Experience Tranquillity with Authentic Japanese Taste
If you’re in the mood for a sublime space and Japanese cuisine, Sushi Tei is the place. Sushi Tei interior aspires to a state of harmony, serenity, and simplicity. Clean lines, uncluttered areas, and a minimalist approach are used in the design to foster a serene mood. Popular Japanese restaurant chain Sushi Tei is known for its sushi and other Japanese cuisine. It began its journey in Singapore and has since spread to several Asian nations including Bangladesh. In 1994, it was opened in Singapore and in Bangladesh it’s first introduced in 2020 at Gulshan, Dhaka. The interior reflects Japanese culture’s Zen Garden idea. recognising and praising the genuine shape and colour that permeated the entire area. A sturdy Keora tree root sculpture stands out at the entrance. A component of nature, yet in its unaltered, unadulterated state, it exudes a unique aesthetic appeal. On the exterior, the GP sheet and MS sheet sculpture blend with the creepers, creating a green facade. The transition from the outside to the inside is thoughtfully planned. At the entryway, a zen garden is included to go with the wooden pavers. A large waiting area is available at the reception desk on the ground floor to welcome visitors. The first floor is where the restaurant is. The staircase’s Tuna fish sculptures on the wall and the north-diffused light from the opening offer visitors a sense of calmness. The entire experience—from the outside to the inside—is a voyage into meditation. “It’s pretty difficult to convert a residential property into a restaurant space. I liked the entire area as there were a lot of space and trees surrounding the structure. The obstacles we experienced served as the inspiration for every design choice,” explains the interior designer and artist Md. Mazharul Haque Tonmoy. “It had an issue with water clogging since the surface in the area was lower than the road. To address that, we included soak-able green areas, which allowed us to design an outdoor zen garden.” The restaurant’s aesthetics favour a subdued and neutral colour scheme. Earthy tones such as beige, cream, soft greys, and muted greens have been used to create a calm and soothing atmosphere. The focus is on functionality and creating a sense of spaciousness. The use of natural materials is remarkable. Wood, bamboo, stone, and natural fibres like cotton are incorporated into the restaurant’s interior. Exposed wooden beams, bamboo partitions, and stone accents create a sense of warmth and authenticity. Sushi Tei’s interior emphasizes open spaces and a sense of flow. The layout of the restaurant allows a smooth transition between different areas. Open floor plans, sliding doors, and screens are used to create flexible spaces that can be adapted for different group sizes or private dining options. It’s fascinating how different types of floor materials are used to separate spaces. To accommodate various visitor demands, various sitting configurations, including booth seating, low-height seating, and Takumi seats, have been implemented. Gentle and warm lighting played a crucial role in this Zen-inspired restaurant. Soft, diffused lighting fixtures like pendant lights, paper lanterns, and wall sconces have been used to create a tranquil atmosphere. While the space is designed as a low-light space, maximising natural light through large windows or skylights is also incorporated to establish a connection with the outside world. Incorporating Japanese artwork, calligraphy, or traditional motifs enhanced the Zen aesthetic. Hanging scrolls (kakemono) with brush paintings, ink wash paintings (sumi-e) and carefully selected artwork provide focal points and add cultural depth to the space. The acoustics of a dining area are crucial to its ambiance. The soft trickling of fountains and running water is now present. The ambient noise was softened with the help of a miniature indoor fountain. To add a touch of nature and artistry, Sushi Tei’s zen garden displays bonsai trees. These meticulously crafted arrangements reflect the Japanese appreciation for beauty and harmony in nature. The entirety of the setting is ideal for taking photos. The use of mirrors and glasses is fascinating. “The Japanese are very sensitive about their design. The patterns they use on their screens are also very detailed. We tried to follow their process of design, not a specific design. The philosophy was to let the space speak for itself about how it wanted to be treated. We were just trying to listen,” Md. Mazharul Haque Tonmoy added. Sushi Tei, provides an oasis of calm for guests, allowing them to relax, unwind, and appreciate the simplicity and beauty of their surroundings while enjoying their dining experience. Written by Fatima Nujhat Quaderi
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Rupayan leans towards building more green apartments Says CEO
Rupayan leans towards building more green apartments, as its demand is going up in the country. But, higher construction material prices and apartment registration costs make a challenge for realtors, CEO of Rupayan Housing Estate Ltd. Md Alinur Rahman told Ceramic Bangladesh (CB) in an exclusive interview. Bangladesh’s real estate sector, Md Alinur Rahman said, has boomed in recent years but today it’s going through a challenging situation due to a variety of issues. The sector has earlier flourished, thanks to the self-motivated venture of Developers and realtors. Since housing is a basic need of people, the entrepreneur said, “we lean to taking big projects on huge pieces of land to build accommodations for more people.” Despite the sector’s huge contribution to the gross domestic product (GDP), we don’t get a business-friendly policy or support from the regulatory authorities, he said in an interview. “I believe if the government and other authorities concerned are caring about the sector, it would be the best booming sector in the country.” The Rupayan Housing’s journey of 24 years has been glorious and through this journey, he said, “we have fulfilled the dreams of a lot of people by building apartments and implementing commercial projects” in the country. “We build strong and quality buildings. We have a strong and innovative culture and we maintain the aesthetic design through our creation.” Mr. Alinur Rahman added, “We are such a developer who lead from the front. We’ve created the country’s first township project (Rupayan Town) in Narayangonj and one of the biggest and first premium mega-gated community projects (Rupayan City Uttara) in Uttara in Dhaka.” Rupayan Housing’s strengths are said to be unique products, excellent efficiency, and productivity. It is a customer-centric organisation, he pointed out. “Our services create raving fan customers. We can scale sustainably and have high adaptability. We continuously work on the diversification of products and services. We are also blessed to have robust and decisive leadership.” He said their ongoing projects are in Motijheel, Naya Paltan, Mirpur-1, Tejgaon, West Dhanmondi, South Badda, Bashundhara R/A, Mirpur DOHS, and Savar in Dhaka, Sylhet, Kanchpur, Cumilla, Chattogram, and Narayanganj. “We look forward to creating more so that the Rupayan group continues to create history in the Bangladesh real estate sector,” he said. The foundation work of its green paradise in West Dhanmondi on 102 Katha would start soon. “Our first satellite town at Narayanganj will be environment-friendly.” Now both job holders and businesses are going through a challenging moment. So, apartments between 1500 and 2000 square feet are of higher demand. In such a situation, Rupayan brings to the market apartments worth Tk1.5 crore to Tk2.5 crore. Buyers had once used to look for just an apartment, but nowadays their test has changed, thanks to increased income and change in lifestyle and they want wellness, communities and condominium apartments, he said. Clients want multiple facilities together for their family members in the apartments. They want such an environment that kids and elderly people can enjoy together, he added. RHEL is a pioneer in Bangladesh providing condominiums, gated communities, and satellite towns. Considering social responsibility, “we always try to build environment-friendly housing where all aged people can be beneficiaries,” said Mr. Alinur Rahman. The Rupayan CEO mentioned that the green apartment concept came to Bangladesh about seven years ago. There are a lot of issues in green apartments such as water reusing issues, waste management, huge open space, a percentage of greenery, and soil quality. “We are seriously working to include such facilities in all our projects,” he said adding that several companies such as BTI, Sheltech, SEL, Concord, and Rangs Properties Ltd are doing it. Rupayan Swapno Niloy in the Siddheswari area of Dhaka was built as per green apartment concept. It is a high condominium project, he said. Besides, Rupayan Town in Narayanganj Bhuighar has huge open space and greenery. “Our ongoing project named Rupayan Lake Castle in the Bashundhara area will be a proper greenery building. And, Rupayan green paradise project in West Dhanmondi will be made into a natural pond.” He said, “We don’t think only financial issues before setting up a building. Our priority is to ensure a livable and quality building for our clients. As we build an apartment on our purchased land, we can provide it at a reasonable price.” The entrepreneur pointed out that of the many challenges in the real estate sector, the key one is higher price of construction raw materials and apartment registration costs. He is also concerned about the reported plan to ensure apartment registration in a full-value system. “If it is implemented, the flat registration cost will go up from Tk8-10 lakh to Tk25-30 lakh for a Tk1.0 crore apartment. “The registration process should be at a minimum rate; otherwise buyers will suffer and that will be a new challenge for the sector.” Also, the construction area will be reduced by 30-35 percent due to the Detailed Area Plan (DAP) and in such a situation, developers will make buildings jointly with land owners, he said adding that in that case, the apartment prices may rise around 30 percent. So, he recommended amendment to the DAP. There are around 250 sub-industries in the real estate sector and he felt that all should work together to ensure that the sector flourishes. He also emphasized that they try to uphold the rights and privileges of the customers from the land process to apartment handover. “We are firmly committed to ensuring our clients’ rights.” He recalled that once labours used to carry raw materials on their heads to cast the roof of a high-rise building but the trend has changed. “Now we use different type of modern machines in all our work, like foundation piling, and roof casting in buildings. We also use ready-mix concrete (RMC) to maintain qualitative value and speed up the work. The mechanism is also used in civil work, sanitary, and painting.” Now, most companies use machinery to construct their projects.
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Lack of Policy, Marketing Supports Clogs Export Earnings from Pottery Industry
Even though terracotta has thousands of years of history in this region, there is no dearth of demand for the art in the modern era as well. Rather, people’s taste has changed with rising income and innovative design increases the art’s demand. People want to hold their history and tradition through terracotta, murals and sculpture. Nowadays, terracotta murals with traditional Bengali folk symbols and the Liberation War are seen on walls of different establishments such as museums, educational institutions, offices, stadiums, restaurants and squares of roads. The symbols of the Language Movement and Liberation War are noticeable arts in the country. These terracotta murals and sculptures touch people’s hearts easily as history was made through a bloody struggle. In Bangladesh, different ministries and departments allocate funds to set up the arts at various places Nokkhotro ensures innovative design The Nokkhotro is a sculpture and pottery institute established in 2009 by artist Ashraful Alam Riaz in collaboration with Muhammad Rawshan Ali so that the history and traditions of the country can be highlighted through art works to the next generations. “We are moving forward by doing small art-works. At the end of 2011, the artist, Shrivas Basak, joined the Nokkhotro. After that, we never looked back. Today’s Nokkhotro is the result of our tireless work,” Mr Ashraful said. In this context he recalled the contribution of two persons to establishing the institution –Shrivas Basak and Khorshed Alam. However, he was working at Nokkhotro till March 2019,” Ashraful added. Nokkhotro has around 150 artworks till date and most of them are mural and terracotta. “I only built a sculpture ‘Bangabandhu sculpture’ at Rajbari road square of Faridpur,” he shared with author. However, despite a huge demand for pottery items in the global market, Bangladesh cannot take the opportunity due to lack of proper marketing, and policy support from the government He explained that the demand for Bangladesh’s pottery items like crockery, mural, and terracotta have a good demand in local and international markets, thanks to unique designs. He regretted that the country cannot earn more money from the industry by exporting these items due to lack of policy support and marketing difficulties. “I urge the Cultural Affairs Ministry to take an initiative to arrange fairs at home and abroad so that our artists can display their art works in those exhibitions,” Mr Ashraful said. Terracotta are made with clay, and mural and sculptures with ceramic plates, he said, adding that emperors had in the past used earthenware and decorated their basilicas as well as different important places with mural and sculptures by famous artists. Nowadays, murals and sculptures are built in different sites to recall history and enhance beauty of a site Key arts of Nokkhotro “My institution has already produced 120 murals, 30 terracotta and one sculpture,” the artist said. Their remarkable mural and terracotta are ‘52-71 Shironam’ and ‘Sheikh Rashel’ murals on the walls of Shukrabad New Model Degree College in Dhanmondi, ‘Muktir Dak’ mural at Nikunja-1 of Khilkhet, which was inaugurated by former President Abdul Hamid, Bangabandhu Memorial Ghat Mural in Tungipara of Gopanjang, Terracotta of Osmani International Airport in Sylhet, ‘Prerona’ mural in Dinajpur, Muktijoddha and Bangabandhu terracotta in Tetulia, ‘Rouhani Manzil terracotta and mural at Bir Muktijoddha Mofiz Angur Museum in Natore, ‘Shaheed Sritisoudh’ Shikhari Para Tozammel Hossain Chowdhury Degree College Premises in Nawabganj Upazila. He also added that their works on terracotta, and murals are going on, at Dinajpur DC office gate, Narayanganj Rupganj Upazila Parishad Gate, Rupganj Upazila health Complex gate design, and Madhubagh Park. Several new projects to be implemented in different parts of the country are awaiting for approval, Mr Ashraful added. Murals on two ends of Padma Bridge The highest two murals in Bangladesh are ‘Bangabandhu and Sheikh Hasina’ Murals on both ends of Padma Bridge. One is Mawa site of Munshiganj and another is Zanjira site of Shariatpur that increased the beauty of the Padma Bridge, artist Ashraful said. “We have built Jamdani murals on both Mawa and Zanjira sites; this is our best work so far. The mural of Zanjira site is 72-foot tall, and 36-foot tall. The mural at Mawa end is 90-foot talland 40-foot tall,” he informed this author. “We used to engage 18 artists and 22 workers between April and June 2022 to construct the Padma Bridge mural at the Zanjira site.” We built a special studio for the work there. Portraits of Bangabandhu Sheikh Mujibur Rahman and his daughter Prime Minister Sheikh Hasina were placed on the walls on the banks of the Padma River, decorated step by step with Chini-Tikri,” he also said. The artist added that primarily they thought of creating a mural with ceramic tiles, but later opted for high-quality ceramic plates considering the bright colours and durability. “A total of 15,000 plates of 37 types of colour were used in the two. These are called ‘Chini Tikri’. And 30 types of coloured plates were used to produce the portrait of Prime Minister Sheikh Hasina. These ceramic plates are not usually produced by ceramic companies. However, Artisan Ceramics made 8,000 plates used in the Mawa end’s mural, and Monno Ceramic made 7,000 plates used in Zanjira end mural. These are the biggest murals in Bangladesh.” Use of Ceramic products “Now we use 100 per cent ceramic products while we make murals. The ceramic products ensure durability and colour bring brightness in our arts,” he said. “As ceramic products are used in our works, I request ceramic companies to sponsor us to continue our work across the country and the globe. It will help to expand the ceramic market as well.” “We want to keep Bangladesh’s tradition and history through murals, terracotta and sculpture for the next generations. I have a plan of building 100 most influential people’s mural across the country. Prime Minister Sheikh Hasina will be one of them as she has a contribution to the economy,” Ashraful said. He pointed out that their key challenge is financing support. “It is
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DBL CERAMICS Conservation and Sustainability
Between depleting natural resources and a dire need to conserve and restore nature is the upsurging imperative to ensure industrial growth. An emerging economy like Bangladesh needs urgent transition to a more greener approach when it comes to growth, a resurgence of a 52 year-old nation. Focusing On Ceramic Industry While the product itself is environment-friendly, the production process causes 0.29 tonne of CO2 emission for every tonne of ceramic produced. Following a worldwide awareness, nations are turning to sustainable approach. The ceramic companies in Bangladesh are adapting to it as well. On a broader perspective, the 2023 SDG report says, one in every two countries lacks an effective framework for sustainable water management. From 2015 to 2020 there has been a slight improvement when it comes to SDG implementation. This, however, needs to be doubled if we want to meet the global goals. As Bangladesh has pledged to implement SDGs and comply with global standards, its ceramic sector has seen sustainable growth. DBL Ceramics, a concern of the DBL Group, is a young ceramic manufacturer, established in 2017. In a very short period of time, the company has reached the current position as one of the top manufacturers of ceramic tiles. DBL tiles are made for almost every surface –regular floors, high-endurance/areas with heavy traffic, gymnasiums and so on. The past few years saw substantial growth of the company which has over 160 dealers and 6 display centres in Dhaka, Chattogram, Rangpur, Sylhet and Barishal, with plans to expand to Khulna and Rajshahi. DBL has also made significant investments in reusable resources and waste water management, amongst other sustainable initiatives. In an attempt to reduce waste water, DBL has installed waste water treatment plants capable of treating 18,720 cubic meters of wastes by product everyday. State-of-the-art machineries at DBL SACMI kilns to turn clay to ceramic, Ball Mills for fine grinding, and Air Power glazing line–most of DBL’s machineries are energy efficient motors. They have inverters, energy cogeneration system, machines to reuse energy from kilns and dryers, along with other equipment to reduce wastes. To add a bit more automation to the mix, the company has Techno Ferrari for handling and storage. Ceramic Bangladesh Magazine visited DBL’s Gulshan office recently and sat with its head of operations Md. Bayazed Bashar to discuss his experience in the industry, future plans of the company, export difficulties, and more issues. DBL is a relatively young company but has fast become one of the top tier tiles manufacturers in the country. It has some of the best showrooms in the country and provides clients with an immersive experience, allowing them to visualise the product better. “Ever since I joined DBL, I’ve had unwavering support from our management. I was on project implementation when I joined, and I am thankful for the faith our management had in us, which consequentially resulted in our performance and growth” said Mr. Bashar. “DBL ceramics is the first diversified project for the DBL Group. We have an R&D (research and development) team working on innovation and we have become one of the top brands within a short time. We uphold our standards through our service quality and innovation,” he said. In terms of growth, DBL has been adding a production line every alternative year, and now has the capacity of producing 35,000 square meters per day from the initial capacity of 8000 sqm. The conversation ensued as we talked about the initial steps of a career in the ceramic industry, Mr. Bashar said, “It’s very difficult to find a mentor who can guide you in the earlier years of your career, especially after graduation. A mentor can help you choose the right track, giving you opportunities, and helping you polish yourself. I’m really happy to have had the opportunity to join DBL Ceramics, and found my own mentor here.” He added, “I have seen individuals get frustrated with their jobs if/when they get no opportunity to work on their competency. Once given the opportunity to explore, a working professional finds more interest in his work and solidifies into an asset for his company.” When asked about the hurdles of a career in this industry, Mr. Bashar recalled the tougher times and the ever-existing troubles. Having passed through them, he is now happy with where he stands and what he has learned through the experiences. He stated, “I am happy to have chosen this path for my career, considering that I was inclined towards doing what my friends did – going abroad for higher studies after graduation. Instead I joined DBL in 2007.” One of the most recent initiatives of the company is the Tiles manufacturing project in Sylhet. The extension is called Bright Ceramics – a tiles, tableware and sanitary-ware manufacturing plant, which will finish construction by the end of next year. DBL is also working on advanced ceramic products. According to Mr. Bashar, among some of the major drawbacks of this industry is import dependency. The added disadvantages due to incremental gas price and shortage create a much greater impact on the production cost. A shortage of gas supply results in on-and-off gas in the kilns – slows down in production. According to Mr. Bashar, the added cost has only been inflicted on the manufacturers and the customers are unaffected. “The duty structure really surprised everyone. We are paying full duty on imported clay that is 25-30 per cent moisture.” Mr. Bashar pointed out. On a brighter note, DBL will be the first player in the subcontinent to incorporate Industry 4.0- allowing it to collect data analysed later on a big screen. AI for DBL Ceramics DBL has already started with AI (artificial intelligence) for ceramics. It is planning on a full automation for the factory that will function with minimal human intervention. Mr. Bashar could only tell Ceramic Bangladesh Magazine that the AI software is being developed by an international IT company, and soon, will be set in motion. Concerning imperatives Some of the
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