<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
     xmlns:dc="http://purl.org/dc/elements/1.1/"
     xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
     xmlns:admin="http://webns.net/mvcb/"
     xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#"
     xmlns:content="http://purl.org/rss/1.0/modules/content/"
     xmlns:media="http://search.yahoo.com/mrss/">
<channel>
<title>Counterpoint &#45; Tashzid Reza</title>
<link>https://counterpointbd.com/rss/author/tashzid-reza</link>
<description>Counterpoint &#45; Tashzid Reza</description>
<dc:language>en</dc:language>
<dc:rights>Copyright 2025 counterpoint&#45; All Rights Reserved.</dc:rights>

<item>
<title>Who Pays for Interest&#45;Free Loans? We All Do.</title>
<link>https://counterpointbd.com/who-pays-for-interest-free-loans-we-all-do</link>
<guid>https://counterpointbd.com/who-pays-for-interest-free-loans-we-all-do</guid>
<description><![CDATA[ Money is not free. Interest-free loans do not eliminate cost; they merely obscure it. Whether financed through budgetary allocations or institutional balance sheets, the subsidy embedded in such loans must ultimately be borne by someone. ]]></description>
<enclosure url="https://counterpointbd.com/uploads/images/202604/image_870x580_69d27181d1c1b.jpg" length="100711" type="image/jpeg"/>
<pubDate>Mon, 06 Apr 2026 13:09:44 +0600</pubDate>
<dc:creator>Tashzid Reza</dc:creator>
<media:keywords>Interest-Free Loans, Vehicle Loans, Government Accountability, Fiscal Policy, Subsidy Reform</media:keywords>
</item>

<item>
<title>From Raids to Reform: Why Bangla QR is the Real Solution to Market Opacity</title>
<link>https://counterpointbd.com/From-Raids-to-Reform</link>
<guid>https://counterpointbd.com/From-Raids-to-Reform</guid>
<description><![CDATA[ The transition from cash to digital is not merely a technological shift; it is an institutional reform. It requires aligning incentives, building trust, and modernizing infrastructure. But the alternative -- continuing cycles of raids, fines, allegations of harassment, and persistent opacity -- offers little hope for sustainable market discipline. ]]></description>
<enclosure url="https://counterpointbd.com/uploads/images/202602/image_870x580_699ab2a0e441d.jpg" length="90059" type="image/jpeg"/>
<pubDate>Mon, 16 Mar 2026 15:00:32 +0600</pubDate>
<dc:creator>Tashzid Reza</dc:creator>
<media:keywords>Bangla, Bangladesh</media:keywords>
</item>

<item>
<title>Why Our Import Costs Have Gone Up</title>
<link>https://counterpointbd.com/Restoring-payment-credibility-to-reduce-Bangladesh%E2%80%99s-import-cost</link>
<guid>https://counterpointbd.com/Restoring-payment-credibility-to-reduce-Bangladesh%E2%80%99s-import-cost</guid>
<description><![CDATA[ Import cost is ultimately a function of trust. When global banks and suppliers trust that payments will be made on time and that policies will remain predictable, they offer better terms. Conversely, when uncertainty prevails, they demand confirmation, higher spreads, and tighter conditions. ]]></description>
<enclosure url="https://counterpointbd.com/uploads/images/202602/image_870x580_698c123f24702.jpg" length="59487" type="image/jpeg"/>
<pubDate>Wed, 04 Mar 2026 11:23:18 +0600</pubDate>
<dc:creator>Tashzid Reza</dc:creator>
<media:keywords>Reform, Revenue, Import, Export</media:keywords>
</item>

<item>
<title>The Other Side of the Remittance Story</title>
<link>https://counterpointbd.com/The-other-side</link>
<guid>https://counterpointbd.com/The-other-side</guid>
<description><![CDATA[ Remittance inflows are not merely a function of diaspora goodwill or seasonal rituals; they are the mirror image of confidence in the domestic market’s fairness and functionality. ]]></description>
<enclosure url="https://counterpointbd.com/uploads/images/202602/image_870x580_698823db68fa3.jpg" length="56197" type="image/jpeg"/>
<pubDate>Wed, 25 Feb 2026 11:49:29 +0600</pubDate>
<dc:creator>Tashzid Reza</dc:creator>
<media:keywords>Remittance, Hundi</media:keywords>
</item>

<item>
<title>An Egg Today or a Chicken Tomorrow: The Economics of Time and Trust</title>
<link>https://counterpointbd.com/An-egg-today</link>
<guid>https://counterpointbd.com/An-egg-today</guid>
<description><![CDATA[ Ultimately, the wisdom of “an egg today is better than a chicken tomorrow” is not a rejection of the future. It is a reminder that time, risk, and trust matter. The future must earn its value; it cannot merely be promised ]]></description>
<enclosure url="https://counterpointbd.com/uploads/images/202602/image_870x580_698180e869e4f.jpg" length="45289" type="image/jpeg"/>
<pubDate>Tue, 03 Feb 2026 12:51:38 +0600</pubDate>
<dc:creator>Tashzid Reza</dc:creator>
<media:keywords>Policy, Economic Trust, Inflation</media:keywords>
</item>

<item>
<title>Convenience for Users, Uncertainty for Workers</title>
<link>https://counterpointbd.com/Convenience-for-users</link>
<guid>https://counterpointbd.com/Convenience-for-users</guid>
<description><![CDATA[ Platforms expand opportunities while simultaneously consolidating economic power. Those who control digital infrastructure and data ecosystems enjoy disproportionate gains, while workers and small entrepreneurs absorb most of the risks. ]]></description>
<enclosure url="https://counterpointbd.com/uploads/images/202601/image_870x580_696c85da75977.jpg" length="60217" type="image/jpeg"/>
<pubDate>Tue, 20 Jan 2026 13:04:08 +0600</pubDate>
<dc:creator>Tashzid Reza</dc:creator>
<media:keywords>Economy, Digital Platform</media:keywords>
</item>

<item>
<title>Why Bangladesh needs rule&#45;based trade monitoring</title>
<link>https://counterpointbd.com/Ending-discretionary-oversight</link>
<guid>https://counterpointbd.com/Ending-discretionary-oversight</guid>
<description><![CDATA[ A country aspiring to become a trillion dollar economy cannot afford to operate with manual, subjective, or personality-driven oversight. It needs strong institutions delivering predictable outcomes. ]]></description>
<enclosure url="https://counterpointbd.com/uploads/images/202512/image_870x580_69425fadf0df3.jpg" length="59992" type="image/jpeg"/>
<pubDate>Sun, 18 Jan 2026 07:46:20 +0600</pubDate>
<dc:creator>Tashzid Reza</dc:creator>
<media:keywords>Bangladesh Bank, Central Bank, Trade, Under-Invoicing, Over-Invoicing</media:keywords>
</item>

</channel>
</rss>