Qamarullah B T Islam Department of Economics, University of Rajshahi   Associate Professor Department of Economics University of Rajshahi Rajshahi, Rajshahi 6205 Bangladesh   qamarullah.islam@ru.ac.bd   http://103.79.117.242/ru_profile/public/teacher/21401992/profile           JEL Areas: I1 : Health: General C1 : Econometric and Statistical Methods: General