First Author:   Shakil Quayes University of Massachusetts Lowell shakil_quayes@uml.edu   Economics Department, One University Avenue Lowell, 01854, USA   978-934-2786(Phone) 978-934-2786(Fax) Second Author: Baqui Khalily Institute of Microfinance, Dhaka bkhalily51@gmail.com   Plot: E-4/B, Agargaon Administrative Area, Plot: E-4/B, Agargaon Administrative Area, Sher-e- Bangla Nagar Dhaka, 1207, Bangladesh   880-2-818-1066(Phone) 880-2-815-2796(Fax)