The financial inclusion, including all the people with the finance, is very concerned issue all over the world where Bangladesh is also trying to include all the people with the finance. Bangladesh lies in such a group of countries where only 17.6% - 38.6% adults are presently under the reach of the formal financial services. This is because the present banks and other formal financial modes consider the outcome and profitability in a way that, the rural and non-developed areas are always out of the consideration. But these areas consist of the most population of Bangladesh. And only then financial inclusiveness will be successful in Bangladesh when people from these regions will be under formal financial consideration. The paper seeks for a solution to the issue and presents the Unit Banking System as a probable way towards financial inclusion. For implementing the system in Bangladesh, the system needs a slight modification to cope in Bangladeshi economic condition and address the specific needs without hampering the surroundings. Considering all these, the paper shows the status, problems and key points of financial scenario of inclusion in Bangladesh and shows policy for a Modified Unit banking System.

The study is designed to implement the roles, expectations and experiences of students, faculty members, universities and inclusive departments in an accumulate form. So that, it becomes possible to make all the individuals in a university perform better and continue the process of improvement in every aspects of their operations. But, because of the differentiations in psychology and other factors of these people, this paper briefly shows how the implementation process should be designed according to the structure of their mindset. The paper shows how and by what means Kaizen can help the sources of higher education to improve and compete more effectively by concentrating on the human resource they have got. Also, the paper will give the institutions, their students and faculties, exclusively the chance to set out and analyze their own quality management practices and methods comparing with the Kaizen approach and philosophy.