Letter

hfujul Islam for the international scholarships for master and PhD program in management and quantitative methods at Charles III University of Madrid. I was his course teacher of "Business Mathematics-203" & "Insurance and Risk Management-208" and have known Mahfujul for last 5 years. As a student, Mahfujul demonstrated a love of learning and the level of commitment necessary to succeed in all level. As an educator, I am happy to be able to provide this recommendation for such a deserving student. I have great respect for him and truly believe that Mahfujul is a deserving candidate that you will be proud to have representing your master and PhD program in management and quantitative methods. Mahfujul is a careful and creative thinker with an eye for details and a devotion to logic, which serves him both in the management and outside them. He has a terrific ability to draw on his own experience and observations to develop thoughtful opinions on a variety of issues. His regular contribution to full class discussions provided insight both for his peers and for me as an instructor. Mahfujul was also invaluable in small-group interaction with his peers. Without my asking, he took on the respinsibility of helping his classmates consolidate vast amounts of information into coherents sets of ideas, and he quickly became a study group leader. Mahfujul was very generous with his time and energies. In addition to having firsthand knowledge of Mahfujul's academic commitment, I am also familiar with his educational goals, as well as the challenges he will face when it comes to funding university tuition. I cannot think of anyone more deserving and I wholeheartedly support his