Varendra University :: UGC Approved Private University in Rajshahi

Rejaul Karim

https://scholar.google.com/citations?user=fvd2JEkAAAAJ&hl=en

Designation	Office Department
Associate Professor and Coordinator	Business Administration
Assistant Proctor	Proctorial Body

Education Summary

CMA, MBA, BBA

Name of Degree	Subject/Group	Institution	University	Passing Year
CMA	Cost and Management Accountant (CMA), (Operational Level)	Institute of Cost and Management Accountants of Bangladesh (ICMAB)	Institute of Cost and Management Accountants of Bangladesh (ICMAB)
MBA	Finance and Banking	Pabna University of Science and Technology	Pabna University of Science and Technology	2013
BBA	Finance and Banking	Pabna University of Science and Technology	Pabna University of Science and Technology	2012

Training & Skills

Title	Type	Duration	Completion Year	Achievement
Practical Training Programme in Basic Operation of Accounting and Inventory Software Named Tally.ERP9 and Factura	Training	3 Days	2018	Certificate
Statistical Computing Course on MS-Excel and SPSS	Training	3 Month	2016	Certificate

Duration	Department/Office	Organization	Position
21 Jan 2025 - 18 Apr 2026	Faculty of Business and Communications	INTI International University, Malaysia	Research Fellow
01 Jul 2024 - 18 Apr 2026	Department of Business Administration	Varendra University	Associate Professor
01 Jan 2024 - 18 Apr 2026	Department of Business Administration	Varendra University	Coordinator
01 Sep 2023 - 18 Apr 2026	Varendra University	Varendra University	Assistant Proctor
16 Feb 2020 - 31 Dec 2021	Varendraa University	Varendraa University	Assistant Proctor
01 Jan 2020 - 30 Jun 2024	Business Administration	Varendra University	Assistant Professor
22 Feb 2016 - 31 Dec 2019	Business Administration	Varendra University	Lecturer
01 Jun 2015 - 20 Feb 2016	Business Administration	Z. H. Sikder University of Science and Technology	Lecturer

Research Paper

#	Title
1	Junaid Rahman, Fatima Tuz Johora Arni, Rejaul Karim, Mohammad Ridwan, Nowrin Jahan Pria, Naimul Islam, "The Triple Nexus of Driving Sustainable Development: Unveiling the Roles of Ethnicity, Gender, and Sustainability in Marginalized Communities" , published in Sustainable Development Published date: Feb 2026 External Link
2	Yousef Alsafadi, Manaf Al-Okaily, Rejaul Karim, Bablu Kumar Dhar, Md. Mustaqim Roshid, Sharmila Devi Ramachandaran, "Strategic Decision-Making in SME Growth: Harnessing Digital Transformation and Innovation in Jordan" , published in Advances in Decision Sciences Published date: Jan 2026 External Link
3	Md. Nahiduzzaman, Sanjoy Kumar Sarker, Bapon Chandra Kuri, Bablu Kumar Dhar, Partha Pratim Roy, Rejaul Karim, "Navigating environmental vulnerability and resource dependence: Toward equitable and sustainable growth pathways in resource-rich economies" , published in Resources Policy, 111, 105768 Published date: Nov 2025 External Link
4	Md. Abdullah Al Mamun, Bablu Kumar Dhar, Hasibul Islam, Masud Rana, Shimanto Saha, Arindom Kumar Biswas, Rejaul Karim, "Enhancing banking performance through regulatory technology: Analyzing cost reduction, sustainability, and profitability in Bangladesh's banking sector" , published in Sustainable Futures 10, 101234 Published date: Aug 2025 External Link
5	Fang Wen Jie, Sharmila Devi Ramachandaran, BabluKumar Dhar, Rejaul Karim, "Capital structure and innovation for social progress: How high-tech firms shape economic development and institutional resilience in China" , published in International Journal of Innovative Research and Scientific Studies, 8(5), 2025, 2298-2312 Published date: Aug 2025 External Link
6	Rejaul Karim, Reday Chandra Bhowmik, Md Omar Faruq, Md. Mustaqim Roshid, Sohidul Islam, and Sharmila Devi Ramachandaran, "Harnessing growth for ecological sustainability through exploring the drivers of load capacity factor in G7 nations" , published in Discover Sustainability, 6(821) Published date: Aug 2025 External Link
7	Ruikun Zhu, Hasibul Islam, Masud Rana, Khusbu Rahman, Rejaul Karim, Tamal Chakrobortty, Md. Mominur Rahman, "Towards sustainable development: how resource depletion, emissions, and renewable energy shape progress in OECD nations" , published in Air Quality, Atmosphere & Health Published date: Aug 2025 External Link
8	Sohidul Islam, Md. Mustaqim Roshid, Reday Chandra Bhowmik, Bablu Kumar Dhar, Asif Raihan, Rejaul Karim, "Policy pathways for renewable energy, health, and sustainability in sub-saharan Africa: An empirical assessment of energy access and life expectancy" , published in Energy Policy (114801) Published date: Jul 2025 External Link
9	Reday Chandra Bhowmik, Rejaul Karim, Md. Bony Yeamin, Sohidul Islam, "Firm-Level and Macroeconomic Drivers of Non-Performing Loans: Evidence from Bangladeshi State-Owned Banks" , published in Varendra International Journal for Interdisciplinary Research, 1(1), 181 - 196 Published date: Jul 2025 External Link
10	Md. Mustaqim Roshid, Sahilali Saiyed, Rejaul Karim, Tanzina Haque, Md. Shadiqur Rahman Siddique, Md. Anamul Haque, Vimal Kumar, Salman Bin Habib, "The Role of Green Entrepreneurship in Driving Sustainable Innovation in Bangladesh’s Startup Ecosystem: Insights from a Belt and Road Emerging Market" , published in Environment, Innovation and Management Published date: Jun 2025 External Link
11	Nargis Sultana, Kazi Saifur Rahman, Rejaul Karim, Shakil Ahmad, "Entrepreneurship: A Rising Way Leading to Econimic Development in Bangladesh" , published in Procedia Computer Science Published date: Apr 2025 External Link
12	Md. Abdullah Al Mamun, Hasibul Islam, Rejaul Karim, Md. Muhaimin Siddieq, Masud Rana, "Exploring the role of blockchain technology in promoting sustainability in the banking sector: an empirical analysis using structural equation modeling" , published in AI & SOCIETY Published date: Mar 2025 External Link
13	Guo Song, Md. Abu Issa Gazi, Abdul Waaje, Md. Mustaqim Roshid, Rejaul Karim, Md. Atikur Rahaman, Zhang Min, and Abdul Rahman Bin S. Senathirajah, "The Neuromarketing: Bridging Neuroscience and Marketing for Enhanced Consumer Engagement" , published in IEEE Access Published date: Mar 2025 External Link
14	Md. Mustaqim Roshid, Rejaul Karim, Abdul Waaje, Sohidul Islam, Reday Chandra Bhowmik, "Mapping the carbon finance research: A bibliometric exploration of innovation in sustainable finance" , published in Development and Sustainability in Economics and Finance (100048) Published date: Jan 2025 External Link
15	Rejaul Karim, Md. Mustaqim Roshid, Bablu Kumar Dhar, Md. Nahiduzzaman, Bapon Chandra Kuri, , "Audit Committee Characteristics and Sustainable Firms' Performance: Evidence From the Financial Sector in Bangladesh" , published in Business Strategy & Development (70059) Published date: Dec 2024 External Link
16	Bapon Chandra Kuri, Md. Nahiduzzaman, Bablu Kumar Dhar,\| Rubaiyat Shabbir, Rejaul Karim, "Macroeconomic Drivers of Sustainable Tourism Development in Bangladesh: An ARDL Bounds Testing Approach" , published in Sustainable Development Published date: Dec 2024 External Link
17	Md. Abu Issa Gazi, Hasibul Islam, Md. Aminul Islam, Rejaul Karim, Sadikatul Mawa Momo & Abdul Rahman Bin S. Senathirajah, "Unlocking sustainable development in East Asia Pacific and South Asia: An econometric exploration of ESG initiativ" , published in Sustainable Environment, Vol. 10, No. 1; 1-15 Published date: Jun 2024 External Link
18	Md. Abu Issa Gazi, Rejaul Karim, Abdul Rahman bin S Senathirajah, A. K. M Mahfuj Ullah, Kaniz Habiba Afrin, and Md. Nahiduzzaman, "Bank-Specific and Macroeconomic Determinants of Profitability of Islamic Shariah-Based Banks: Evidence from New Economic Horizon Using Panel Data" , published in Economies 12: 66. Published date: Mar 2024 External Link
19	Rejaul Karim, Md. Mahmud Hasan, Abdul Waaje, Mst. Shahira Hoshain Yesmin, Md. Mustaqim Roshid, "Financial Performance of Bangladeshi Listed Commercial Banks: A Generation-based Analysis" , published in International Journal of Finance & Banking Studies Published date: Feb 2024 External Link
20	Shakil Ahmad, Charu Saxena, Saiful Islam, Rejaul Karim, "Impact of Insur‑Tech on the Premium Performance of Insurance Business" , published in SN Computer Science, Volume 5, Issue 138, Pages 1-7 Published date: Jan 2024 External Link
21	Rejaul Karim, Abu Sadeque Md. Kamruzzaman, Md. Kamruzzaman, "Effect of Financial Structure on Firm’s Value: Evidence from the Cement Manufacturing Firms of Bangladesh" , published in Journal of the Institute of Bangladesh Studies Published date: Dec 2023 External Link
22	Rejaul Karim, Most. Rani Khatun, Mst. Shahira Hoshain Yesmin, Md. Mahmud Hasan, "Liquidity and Profitability of Commercial Banks in Bangladesh: A Comparison between before and after the Covid-19 Crisis" , published in Global Journal of Management and Business Research, Volume 23, Issue 2, Pages 1-9 Published date: Jul 2023 External Link
23	Rejaul Karim, Md. Abdullah Al Mamun, Abu Sadeque Md. Kamruzzaman , "Cash conversion cycle and financial performance: evidence from manufacturing firms of Bangladesh" , published in Asian Journal of Economics and Banking Published date: May 2023 External Link
24	Rejaul Karim, Md. Mustaqim Roshid, Farjana Bashar Shamme, Md. Mahmud Hasan, "Non-performing Loans and Bank Profitability: Evidence from Bangladesh" , published in International Journal of Finance & Banking Studies 11 (4) (2022) 95-102 Published date: Mar 2023 External Link
25	Rejaul Karim, Tamal Chakrobortty, Hemanta Kumar Bhadra, "Impact of Firm's Leverage on Financial Performance: Evidence from the Pharmaceuticals Industry of Bangladesh" , published in Business Review- A Journal of Business Administration Discipline, Khulna University, Volume: 17, Number: 1, January-December 2022, pp. 16-34 Published date: Dec 2022 External Link
26	Rejaul Karim, Abu Sadeque Md. Kamruzzaman, Md. Kamruzzaman, "Impact of Financial Structure on Profitability: A Study on Cement Manufacturing Firms of Bangladesh" , published in The Cost and Management, 50 (4), pp. 17-34. Published date: Aug 2022 External Link
27	Rejaul Karim, "Green Banking Practices in Bangladesh: Present Scenario and Future Challenges" , published in Journal of Business Studies (Special Issue on Business and Sustainable Development), January, 2020, pp. 36-44 Published date: Jan 2020 External Link
28	Md. Tota Miah, Kumar Biswazit Saha, Rejaul Karim, "The Role of Private Commercial Bank in Corporate Social Responsibility with Reference to Islami Bank Bangladesh Limited" , published in Open Access Library Journal, Volume 6, e5422, pp 1-14, ISSN Online: 2333-9721, ISSN Print: 2333-9705, Published date: May 2019 External Link
29	Rejaul Karim, A. S. M. Kamruzzaman, Md. Kamruzzaman, "Working Capital Management and Profitability: An Empirical Investigation of Steel Manufacturing Industry in Bangladesh" , published in Journal of Business Studies, JBS-ISSN 2303-9884, Volume - 11, No. 1, pp. 53-70 Published date: Jun 2018 External Link
30	Rejaul Karim, Md. Abdullah Al-Mamun, Md. Tota Miah, "Relationship between Working Capital Management Efficiency and Profitability: A Com-parative Study on Square Pharmaceuticals Limited and Beximco Pharmaceuticals Lim-ited, in Bangladesh" , published in International Journal of Economics, Finance and Management Sciences. Vol. 5, No. 2, 2017, pp. 121-128. doi: 10.11648/j.ijefm.20170502.16 Published date: Mar 2017 External Link

Book Chapter

#	Title
1	Md. Soleman Mollik, Rejaul Karim, Mohammad Sahabuddin, and Bilal Eneizan, "Industry 5.0 and the Circular Economy: A Transformative Nexus" , published in Industry 5.0 and Sustainable Developement Published date: Jan 2026 External Link
2	Bablu Kumar Dhar, Rejaul Karim, Md. Soleman Mollik, "Stitching Sustainability in Fashion: Strengthening Circular Economy Drivers in the Textile Industry" , published in Strategic Innovations for Circular Economy [Scopus Indexed] Published date: Oct 2025 External Link
3	Rejaul Karim, Bablu Kumar Dhar, Md. Mustaqim Roshid, "Circular Economy: Foundation and Theoretical Framework" , published in Strategic Innovations for Circular Economy [Scopus Indexed] Published date: Oct 2025 External Link
4	Md. Mustaqim Roshid, Md. Bony Yeamin, Abdul Waaje, Rejaul Karim, Mahender Singh Kaswan, "Understanding the Nexus of Industry 5.0 and Circular Economy for Enriched Lean and Environment Sustainability: Nexus of Industry 5.0 and Circular Economy" , published in Transformative Lean Six Sigma Techniques for the Quality 5.0 Paradigm [Scopus Indexed] Published date: Jul 2025 External Link
5	Md. Mustaqim Roshid, Abdul Waaje, Rejaul Karim, Mohammad Rafd Irtisham, Mahender Singh Kaswan, "Industry 5.0 and Organizational Sustainability Integrating Cutting-Edge Technologies and Human Ingenuity" , published in Industry 5.0: Concepts and Strategies for Digital Transformation [Scopus Indexed] Published date: Jun 2025 External Link
6	Rejaul Karim, Abdul Waaje, Md. Mustaqim Roshid , "Digital Circular Economy for Attaining Sustainable Development Goals: Technologies for Global Sustainability" , published in Effects of Digitalization and Circular Economy on Sustainable Policy and Climate Change Prevention [Scopus Indexed] Published date: May 2025 External Link
7	Shakil Ahmad, Rejaul Karim, Nargis Sultana and Reshma Pervin Lima, "Insurtech: Digital Transformation of the Insurance Industry" , published in Financial Landscape Transformation: Technological Disruptions [Scopus Indexed] Published date: Mar 2025 External Link
8	Abdul Waaje, Rejaul Karim, Md. Mustaqim Roshid, Bony Yeamin, Tamanna Nusrat Meem, "Integration of Industry 4.0 With Personalized Medicine: A Shift of the Paradigm in Healthcare" , published in AI-Driven Personalized Healthcare Solutions [Scopus Indexed] Published date: Feb 2025 External Link
9	Rejaul Karim, Abdul Waaje, Md. Mustaqim Roshid, Md. Bony Yeamin, "Turning the Waste Into Wealth: Progressing Toward Global Sustainability Through the Circular Economy in Waste Management" , published in Sustainable Waste Management in the Tourism and Hospitality Sectors [Scopus Indexed] Published date: Nov 2024 External Link
10	Abdul Waaje, Rejaul Karim, Md. Mustaqim Roshid, Tamanna Nusrat Meem, "Minimizing Waste in the Hospitality Industry: The Opportunities and Challenges of Lean Tourism" , published in Sustainable Waste Management in the Tourism and Hospitality Sectors [Scopus Indexed] Published date: Nov 2024 External Link
11	Rejaul Karim, Md. Mustaqim Roshid, Abdul Waaje, "Circular Economy and Supply Chain Sustainability" , published in Strategic Innovations for Dynamic Supply Chains [Scopus Indexed] Published date: Mar 2024 External Link

Edited Book

#	Title
1	Rejaul Karim and Bablu Kumar Dhar, "Strategic Innovations for Circular Economy" , published in IGI Global Scientific Publishing [Scopus Indexed] Published date: Oct 2025 External Link

Conference Paper

#	Title
1	Sujan Sarker, Rejaul Karim, Md. Halimuzzaman, "Central Bank Independence: An Inevitable Choice for Sustainable Economic Governance" , published in RSF Conference Series: Business, Management and Social Sciences, 5(1), 144–155 Published date: Oct 2025 External Link
2	Md. Mustaqim Roshid, Abdul Waaje, Rejaul Karim, "Industry 6.0 as an Emerging Research Field: A Systematic and Bibliometric Analysis" , published in EMIDWORLD 2nd International Congress on Economics Public Finance Business & Social Sciences Published date: Dec 2024 External Link
3	Md. Mustaqim Roshid, Rejaul Karim, Abdul Waaje, "Synergizing Circular Economy and H2H Marketing: A Sustainable Approach to Human-Centric Business" , published in EMIDWORLD 2nd International Congress on Economics Public Finance Business & Social Sciences Published date: Dec 2024 External Link
4	Rejaul Karim, Md. Mustaqim Roshid, Abdul Waaje , "Does the Firm Size Matter for Financial Performance? — Evidence From the Financial Sector of a South Asian Emerging Economy" , published in EMIDWORLD 2nd International Congress on Economics Public Finance Business & Social Sciences Published date: Dec 2024 External Link

Article

#	Title
1	Rejaul Karim, Abdul Waaje, Md Mustaqim Roshid, "Adaptation strategies for climate change impacts in Bangladesh" , published in The Daily Star Op-ed Published date: Oct 2024 External Link
2	Rejaul Karim, "মুদ্রাস্ফীতি ও ব্যাংক আমানতের সুদ হার সমন্বয়: অর্থনৈতিক প্রেক্ষাপট পর্যালোচনা" , published in Banglar Janapad (বাংলার জনপদ), an online news portal, Sub Editorial, Published date: Sep 2021 External Link
3	Rejaul Karim, "Bangladesh Economy Requires More Participatory and Sustainable" , published in The Daily Sun, post-louge, Published date: Mar 2017 External Link
4	Rejaul Karim, "Green Financing: Way to Sustainable Economic Growth" , published in The Daily Sun, editorial Published date: Jan 2017 External Link

COURSE OFFERED

Course Name	Course Activity	Course Materials
0412-4114 Capital Expenditure Decision	Active
FIN 422 \| Working Capital Management	Inactive
Managerial Finance	Inactive
Financial Markets and Institutions	Inactive
0412-1204 Principles of Finance	Active
Microeconomics	Inactive
Public Finance	Inactive

GRANTS

Title: Adopting intention of fintech by bank users in Bangladesh: An investigation using extended technology acceptance model

Principle Investigator: Dr. Rejaul Karim

Co-Investigator: NA

Duration: 13/08/2025 - 13/08/2025

Funding Source: CIR

Awards and Honors

University Merit Scholarship, awarded by Pabna University of Science and Technology (2009-2012)

Memberships and Activities

Member, Institute of Bangladesh Studies (IBS) Alumni Association’, University of Rajshahi (2018-01-04 to Present)
Member, American Corner’, Rajshahi (2018-07-04 to Present)
Moderator, ‘Chotto Swapno’ – a voluntary social organization, Varendra University (2019-01-04 to Present)
Member, PUST Blood Donors Club’ (2009-07-04 to 2014-12-04)
Member, PUST Cultural Club’ (2009-07-04 to 2014-12-04)

Seminar Attended

Webinar - How to Publish High Impact Publication: A Few Propositions, Organized by Bangladesh Society for Private University Academics (BSPUA) (October 21, 2021)
Investment in Capital Market, Organized by Bangladesh Institute of Capital Market (BICM) (August 12, 2021)
The Landscape of Social Science Research, Organized by Department of Business Administration, Varendra University (May 05, 2019)
A day-long workshop The Art of Teaching, Organized by Center for Excellence, Department of Business Administration, Varendra University (March 07, 2019)
Bangladesh’s Fiscal Policy and GDP Growth , Organized by Institute of Bangladesh Studies (IBS), University of Rajshahi (January 31, 2019)
The Ethics of Research and Knowledge Production , Organized by held Institute of Bangladesh Studies (IBS), University of Rajshahi (March 11, 2019)
Fundamentals of Portfolio Management, Organized by Bangladesh Institute of Capital Market (BICM), held in the Department of Business Administration (December 01, 2018)
2 day-long International Conference on Business and Sustainable Development (ICBSD), Organized by The Faculty of Business Studies, University of Rajshahi (March 8-9, 2018)
on Bangladesh Capital Market: Recent Trends, conducted by Prof. Dr. Swapan Kumar Bala, Director, BSEC, Organized by Institute of Bangladesh Studies (IBS), University of Rajshahi (July 23, 2017)
Scientific Research in Bengali: Example of Two Scientists, Organized by Institute of Bangladesh Studies (IBS), University of Rajshahi (July 23, 2017)
Business Education and Research: Australia and Bangladesh Perspective, Organized by Department of Business Administration, Pabna University of Science and Technology (September 17, 2014)