Fabric Consumption of a basic Polo-shirt

Fabric Consumption of a Basic Polo-shirt

Consumption determination of fabric is a very important term in the textile sector. Since it depends on fabric prices therefore accurate and closure consumption will reduce fabric wastage which will be beneficial for us economically. So, we should keep proper knowledge of fabric consumption properly.

Here today I am going to present fabric consumption of a basic polo-shirt.

Fabric consumption of a polo-shirt is the sum of fabric consumption of different parts of polo-shirt:

  • Fabric consumption for a body part.
  • Fabric consumption for Sleeves.
  • Fabric consumption for half-moon
  •  Fabric consumption for a pocket.

For calculating fabric consumption of a basic polo-shirt following measurement will be needed.

  1. Body Length
  2. ½ Chest
  3. Sleeve length
  4. ½ Armhole
  5. Length of half- moon
  6. Width of half-moon
  7. Length of pocket
  8. Width of pocket
Fabric Consumption of Polo shirt

Polo Shirt

So, now consider

  • Body length
= 72 cm (For body length allowance = 3+1.5 = 4.5 cm)
  • ½ Chest
= 58 cm (For chest allowance = 2+2= 4 cm)
  • Sleeve length
= 23 cm (For sleeve length allowance = 2+1.5= 3.5 cm)
  • ½ Armhole
= 24 cm (For sleeve opening allowance = 2+1 = 3 cm)
  • Length of half-moon
= 18 cm (allowance = 1.5+1.5 = 3 cm
  • Width of half-moon
=10 cm (allowance = 1.5+1.5 = 3 cm)
  • Length of pocket
= 12 cm (allowance = 2.5+1 = 3.5 cm)
  • Width of pocket
= 11 cm (allowance = 1+1 = 2 cm)
  • GSM
= 180 (Lacoste)
  • Wastage %
= 8%

Fabric consumption per dozen, (all measurement in cm)

Fabric Consumption Per Dozen

Fabric Consumption Per Dozen


For every part of a polo shirt,

= 2.04+0.61+0.06+0.04 kg/dz

= 2.75 kg/dz

So, Fabric consumptiuon for a polo shirt,

= 2.75 + 8% of 2.75 kg/dz (Here 8% is wastage of fabric)

= 2.75 + .22 kg/dz

= 2.97 kg/dz


So, Fabric consumption of a polo-shirt = 2.97 kg/dz

Note: Here I have made consumption of polo shirt which has a pocket. Here I did not mention collar and cuff consumption because maximum time in a polo shirt there is used a flat knit collar and cuff.

If you like it, please don’t forget to put your valuable comments



Engineer Sheikh Nurja

BS.c engineer of textile

Merchandiser at Buying House

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Consumption of a Trouser

Consumption of a Trouser

Consumption determination of fabric is a very important term in the textile sector. Since it depends on fabric prices therefore accurate and closure consumption will reduce fabric wastage which will be beneficial for producing trouser with a competitive cost. So, we should keep proper knowledge of fabric consumption properly. Hopefully, after reading this article you will understand how you can calculate the consumption of a trouser. Before taking order from buyer’s, it is merchandiser responsibility to calculate the fabric consumption of trouser then according to the consumption and costing bargain with the buyer.

Here today I am going to present the fabric consumption of a trouser.

Fabric Consumption of a Trouser

Consumption per dozen (when all measurement is in cm)

Consumption of a trouser

Measurement of Consumption of a Trouser

Consumption per dozen (when all measurement is in inch)

consumption of trouser

So, according to given value fabric consumption per piece, 0.224 or 0.225 kg/piece.

Engineer Sheikh Nurja

B.Sc engineer of textile


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Perfect Capital Market

What is meant by a perfect capital market?

If a capital market has the following characteristics then it would be considered as a perfect capital market. In perfect capital market case, assuming complete markets, perfect rationality of agents and under full information, the equilibrium occurs where the interest rates clear the market, with the supply of funds equal to the demand.

  1. There is no transaction (brokerage) cost.
  2. There are no taxes.
  3. There are large numbers of buyers and sellers, so the actions of no one buyer or seller affect the price of the traded security.
  4. Both individuals and firms have equal access to the market.
  5. There is no cost to obtain information, so everyone has the same information.
  6. Everyone has the same (homogeneous) expectations.
  7. There are no costs associated with financial distress.

What role does the perfect capital market assumption play in financial theory?

perfect capital marketRoles of perfect capital market assumption

Clearly, most of these assumptions do not hold in the real world-taxes and brokerage costs exist, individuals often do not have the same access to markets as corporations, managers often have more information about their firms’ prospects than do outside investors and so on. Still, a theory should not be judged on the reality of its assumption, but rather on how consistent its predictions are with actual behavior. If a theory seems reasonable and is consistent with behavior, then the theory will generally be accepted, regardless of the realism of its assumption. Often the assumptions do not limit the ability of the theory to explain real-world phenomena.

For example, although taxes certainly exist, there may be enough tax-exempt institutions with sufficient capital to produce the results predicted by a theory that assumes zero taxes.

If you have any query about the perfect capital market then please let me know. I will try my best to share my knowledge of the perfect capital market.

Written by

Md. Nahian Mahmud Shaikat

Pocket for Dress Shirt

An Overview of Pocket for Dress Shirt

Shirt Pocket

A pocket is one of the basic components of a shirt. There are different types of pocket which are used for a shirt even sometimes we see some shirt without a pocket. A pocket is used for bearing some light and essential things. Today I am going to introduce you some pocket for dress shirt which is mostly used for making a dress shirt.

pocket for dress shirt

Pocket for Dress Shirt

Pocket for a dress shirt

Most pockets on a dress shirt are located on the left breast. The pocket of a dress shirt doesn’t really have a functional purpose. The main objective of a dress is style purpose. Never try to use your dress shirt for heavy storage purpose.

Different Types of Pocket for Shirt

  1. Plain Pocket
  2. Rounded pocket
  3. Squared pocket
  4. Hexagonal pocket

Today I am going to introduce you some pocket which is mostly used for making a dress shirt.

Plain Pocket

plain pocket

Plain Pocket

Rounded pocket

round pocket

Round Pocket

Squared Pocket

squared pocket

Square Pocket

Hexagonal Pocket

hexagonal pocket

Hexagonal Pocket

You can use any pocket plain, rounded, squared, Round or Hexagonal pocket for dress shirt purpose. But if you want more depth than you can try plain pocket for your dress shirt.

Among all these pocket types, round pocket and the hexagonal pocket is more popular among the teenager and executives.

Written By

Engineer Sheikh Nurja

B.Sc engineer of textile

Standard Deviation is Better Measurement

Why is standard deviation better measurement for risk?

In finance, the standard deviation is applied to the annual rate of return of an investment to measure the investment’s volatility. Standard deviation is also known as historical volatility and is used by investors as a measure for the amount of expected volatility. Basically, the standard deviation is used to see whether the project has less or high risk. So standard deviation is better measurement.

Standard Deviation is Better Measurement

The formula of standard deviation

Standard Deviation is Better Measurement

A measure of the variation in a distribution, equal to the square root of the arithmetic mean of the squares of the deviations from the arithmetic mean, the square root of the variance.

The reasons behind standard deviation as a better measurement for risk are given below

The most commonly used measure of risk for assets or securities is a measure known as the standard deviation. The larger the standard deviation the greater the dispersion and hence the greater the distribution’s stand-alone risk. On the other hand the lower the standard deviation the lower the risky-ness of the project.

 If you want to know how `risky’ a fund/ a project is, there are other ways of assessing it. For instance, you can compare the annual returns of a fund over the past several years. You can analyze how the fund has done in bull markets and in bear markets. Or you can compare compound returns for several time periods. Using compound returns has one problem though. Compound returns can be affected by one year’s exceptional performance. To correct for this, Fund Counsel suggests dropping the exceptional year and re-computing the compound rate of return.

 But from above-mentioned measures standard deviation is considered as a better measurement of risk because by using standard deviation we can easily identify whether the project is risky or not. If the rate of standard deviation is high then the project is risky and if the rate of standard deviation is low then the project is less risky.

Asymmetric Information

In financial market what is meant by asymmetric information?

When a manager knows more about his or her firm’s future than do the analysts and investors who follow the company then a situation of asymmetric information exists. In this situation, a firm’s managers may correctly conclude that its securities are undervalued or overvalued depending on whether the inside information is favorable or unfavorable. Of course, there are degrees of asymmetry management is almost always better informed about a firm’s prospects than are outsiders but in some situations, this informational difference is too small to influence managerial actions. In other circumstances such as prior to a merger announcement or when a drug company has made a major research breakthrough managers may have information that will significantly alter the prices of the firm’s securities when it becomes public. In most situations, the degree of information asymmetry lies between the two extremes.

asymmetric information

The potential impact of asymmetric information on markets was analyzed by George Akerlof in a paper titled “The market for Lemons”

The only convincing way for a seller to convey to potential buyers that the product is good to take some action that buyer can unambiguously interpret as a sign that the product is not defective. Such actions are called signals and the act of providing signals is called signaling.

 Since manager’s primary goal is to maximize shareholders wealth managers are generally motivated to convey favorable inside information to the public as rapidly as possible. The easiest way would be to issue a press release announcing the favorable development. However, an outsider would have no way of knowing whether the announcement was true or how important it really was. Therefore such announcements have limited value. But if managers could signal information concerning favorable prospects in some truly credible way then the information would be taken seriously by investors and reflected in security prices.

 Example: Dividend announcements are the classic example of managers providing information through signaling. If a firm announces a significant increase in cash dividend this is its managers signal that the firm has good future earnings and cash flow prospects. If dividend increase is widely anticipated but then is not forthcoming this is a negative signal.

 The presence of effective management signals plays an important role in financial management.

Written by

Md. Nahian Mahmud Shaikat

Student of MBA

Institute of Business Administration (IBA)

Jahangirnagar University

Email: [email protected]

Facebook: Ördïnärÿ Böÿ

Measurement of a T-shirt

How to measure a T-shirt

Proper measurement is a very important term of textile sector. If we don’t have proper knowledge of the actual measuring way of garment we may face some unexpected situation in the working place i.e. to learn from junior class personnel. And you also may have a question in your mind that how to take a measurement of a t-shirt. So, today I am going to share with you the proper measuring way of a T-shirt which I have learned in my working place.

Measurement of a T-shirt

Measurement instruction of a T-shirt

Measurement of a T-shirt

For measuring a T-Shirt you need to take the measurement of the following 7 parts of our body

    1. Chest
    2. Waist
    3. Bottom
    4. Center back length/ T-shirt length
    5. Sleeve opening
    6. Sleeve length
    7. Shoulder
  1. Chest

Lay your T-shirt on the ground or on a table and place the fabric of T-shirt nicely so that there are no wrinkles underneath or on top. Now place the measurement tape 1 inch or 2.5 cm below of armhole and side seam adjusting point or armpit.

  1. Waist

For measuring the waist of T-shirt we have to find out the narrowest part of the T-shirt. Generally, it is in the halfway of the armpit and the bottom of the T-shirt. Measure across from the left of the T-shirt to the straight right.

  1. Bottom

Place the measurement tape on the left of the T-shirt straightly to the right of the T-shirt. Ensure that there are no wrinkles during lay down of T-shirt.

  1. Center Back Length/T-shirt length

Lay the T-shirt on the ground or on a table facing up of the back of the T-shirt. Now, place the measuring tape at the seam where the collar band attaches with the yoke. And carefully measure at the straight direction to the middle of the back the T-shirt to the hem where the longest point.

  1. Sleeve Opening

Place the measurement tape on the left of the sleeve straightly to the right. Ensure that there are no wrinkles during lay down of T-shirt.

  1. Sleeve Length

Lay the T-shirt with the back facing up. Extend a sleeve of T-shirt (you can try right sleeve which will be easy to measure with right hand) smoothly avoiding any wrinkle. Place the measuring tape at the middle point on the armhole seam line straightly to the bottom of the sleeve.

  1. Shoulder

By laid flat with a back facing up, place the measuring tape from left top armhole hole seam point to the right top armhole seam point straightly. Take the reading. This is a shoulder of this T-shirt. Ensure then there are no wrinkles during lay down of T-shirt.

If you like this …. Don’t forget to post your valuable comment or any asking.

Sheikh Nurja
B.Sc. Engineer of Textile
E-mail: [email protected]
Facebook: Sheikh Nurja
Skype: Merchandiser.nurja

Principles of Finance

Principles of Finance

Principles act as a guideline for the investment and financing decision. Financial managers take operating, investment and financing decisions, some of this related with short term and some long term.

Before discussing principles of finance let’s have some idea about finance, is the process of collecting funds and ensures proper utilization of funds. Many people say that finance is the management of funds and those are responsible for managing this fund are financial managers.

There are six basic principles of finance, these are:

  • Principles of risk and return
  • Time value of money
  • Cash flow principle
  • Profitability and liquidity
  • Principles of diversity
  • Hedging principle
six principles of finance

Principles of Finance

The principle of Risk & Return

This principle indicates that investors have to conscious both risk and return, because higher the risk higher the rates of return and lower the risk, lower the rates of return. For business financing, we have to compare the return with risk. To ensure optimum rates of return investors need to measure risk and return by both direct measurement and relative measurement.

Time Value of Money

This principle is concerned with the value of money, that value of money is decreased when time pass. The value of dollar 1 of the present time is more than the value of dollar 1 after some time or years. So before investing or taking fund, we have to think about the inflation rate of the economy and required rate of return must be more than the inflation rate so that return can compensate the loss incurred by the inflation.

Cash Flow Principle

This principle mainly talk about the cash inflow and outflow, more cash inflow in the earlier period is preferable than later cash flow by the investors. This principle also follows the time value principle that’s why it prefers earlier more benefit rather than later years benefits.

Profitability & Liquidity Principle

This principle is very important from the investor’s perspective because the investor has to ensure both profitability and liquidity. Liquidity indicates the marketability of the investment i.e. how much easy to get cash by selling the investment. On the other hand, investors have to invest in a way that can ensure maximization of profit with moderate or lower level of risk.

Principles of diversity

This principle helps to minimize the risk by building an optimum portfolio. Never put all your eggs in the same basket because if it falls then all of your eggs will break, so put eggs by separating in a different basket so that your risk can be minimized. To ensure this principle investors have to invest in risk-free investment and some risky investment so that ultimately risk can be lower. Diversification of investment ensures minimization of risk.

Hedging Principle

Hedging principle indicates us that we have to take a loan from appropriate sources, for short-term fund requirement we have to finance from short-term sources and for long-term fun requirement we have to manage fund from long-term sources. For fixed asset financing is to be done from long-term sources.

Written by

Md. Nahian Mahmud Shaikat

Student of MBA

Institute of Business Administration (IBA)

Jahangirnagar University

Email: [email protected]

Facebook: Ördïnärÿ Böÿ

Individual Investor Life Cycle

Individual Investor Life Cycle

Individual investor life cycle indicates the investment behavior of investor over the different age of their life. The investment decision is based on the age, financial condition, future plans and risk characteristics of an individual.

Investor mainly invests in getting a return which can compensate the sacrifice of present for more future earnings and security. As a financial plan investor can adopt different insurance policies or reserve cash for future. Although investor has to take risk of reserving cash or investing the cash they are ready to take some risk according to their risk-taking behavior.

Phases of Individual Investor Life Cycle

Four Phases of Individual Investor Life Cycle

An investor passes through four different phases in life

  • Accumulation Phase
  • Consolidation Phase
  • Spending Phase
  • Gifting Phase

Accumulation Phase

Investor early or middle to their career tries to accumulate fund so that individual can have money to spend in the later phase of their life. Some people accumulate the fund to buy house, car or other important assets and some people accumulate for their children’s education cost, life peaceful life after retirement.

Funds invested in the early phase of life gives an investor a huge amount of fund which is compounding over the years

Consolidation Phase

Consolidation phase is the midpoint of their career, in this phase, they earn more, spends more and pay off all their debts. In this phase moderately high risk taken by the investor but for capital reservation some investor prefer lower risk investor. Individual invest in the capital market and investment securities.

Spending Phase

This phase starts when an individual retires from the job. Their overall portfolio is to be less risky than the consolidation phase; they prefer low risky investment or risk-free investment. People prefer fixed income securities like a bond, debenture, treasury bills etc. In this phase, they need some risky investor if they have extra money so that future inflation can be adjusted.

Gifting Phase

If individuals believe that they have enough extra funds to meet their current and future expenses then they go for gifting money to their friends, family members or establish charitable trusts. These can reduce their income taxes and they also keep some fun for future uncertainties.

Over the different phase, investor behaves differently and invest in their preferred sector according to their risk-taking behavior.

Written by

Md. Nahian Mahmud Shaikat

Financial Analyst

Some Important Textile Unit Conversion Factor

Some Important Textile Unit Conversion Factor

During textile calculation we are in need of different unit conversion problem. Here I am presenting some important conversion factor which can be helpful for you.


1 meter = 1.09 yard
So, 1 yard = 1/1.09 meter
= 0.91 meter
1 Yard = 3 feet
1 Yard = 36 inch
1 Meter =1000 millimeter
1 Meter =100 Centimeter
1 Meter =1.09 Yard
1 Meter = 39.37 inch
1 Kilogram =1000 gram
1 Kilogram =2.204 pound
1 inch = 2.54 cm
1 inch = 0.3937 cm
1 inch =25.4 Millimeter
1 Centimeter = 10 Millimeter
So, 1 cm =1/2.54 inch
1 cm = 0.3937 inch
1 Decimeter = 10 Centimeter
1 Feet =0.3048 Meter
1 Feet =12 Inch
1 Mile =5280 Feet
1 Mile =1.6094 Kilometer
1 Pound 16 ounce
1 pound =453.6 gram
1 pound =7000 grain
So, 1 pound = 453.6/1000 kg
= 0.453 kg
So, 1 kg = 1/0.453 pound
= 2.2046 pound
1 Gram =0.0353 Ounce
1 Hank =840 yard
1 Lee =120 yard
1 ounce =28.35 gram
1 Acre = 43560 Square feet
1 Liter =1000 Milliliter
=1000 CC (Cubic centimeter)
1 Metric ton =1000 Kilogram
1 Metric ton =2204.62 Pound
1 oz = 28.35 gram
Some important textile unit conversion factor

Important Factor