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Commerce and Material Economy


Scientists and Philosophers


flag of Imperial India, before 1948


flag of Bangladesh

professor of economics

originator of concept of *microcredit*

founder of microloan-granting Grameen Bank in Bangladesh

worker in government policy and planning

born three months before

born 6 months before


Muhammad Yunus at the 2012 World Economic Forum


Microcredit Economics

Banker to the Poor

statistical mathematician, professor

2006 Nobel Peace Prize

Social Capitalist

Muhammad Yunus


Earthbody-Entry * Friday-28-Jun-1940


Microcredit developer, banker, professor of economics * 1940- * Professor Muhammad Yunus

birth data from * tentatively rectified by BP Lama

charts, graphs, and tables produced by Shri Jyoti Star * adapted by BP Lama

Rising Nakshatra

Masculine Nativities

Bharani * Yamuna * Apa-bharanishe * Varni

BPL commentary

For Bharani births of a masculine valence, the condition of sweetly musical, artistic, harmony-seeking, negotiating, balancing, diplomacy, designing, matching, pairing, sensually pleasuring akarshana-karaka Bright Bhrigu may considerably affect the outcome.

For those born into the Zukra-ruled paradigm of Yamya, feminine figures such as sisters, aunts, and wives, along with partnerships, sensual pleasures, arrangements, valuation, pricing, equity, bargains, trades, treaties, trusts, adjustments, justice, finance, artistic beauty, treasuries, alignment, attunement, harmonies, and music, may be especially influential.

Guidance provided by instructors from the civilizations of Apis. Their purpose is acquisition of treasuries, carrying of beautiful objects , and preservation of values across the generations.

Burdened Banker Busy Bee

Zukra-ruled Bharani masculine-figures are the Money Guys. Yamuna-born are often found in the worlds of banking, valuation, capital markets, currency-trading, mints and coinage. Connoisseurs of pricing and aggressive deal-makers, they vigorously seek acquisition of precious objects. In addition to their financial abilities, due to their intuitive understanding of sound-and-color values, Bharani males may also pursue careers in music and arts. Most Bharani men can sing beautifully.

The harmonious arrangements of Apa-bharanishe may be lovely even while they vigorously compete for dominance. Their expertise in the fields of preservation, containment, and collecting may extend to wines, perfumes, fine textiles, works of art, and any commodity which may capitalize or increase in value. Like all Zukra-governed births, they must take care to avoid the misuse of drugs and alcohol.

QUOTATION from Shil-Ponde. (1939). Hindu Astrology Joytisha-Shastra . p 79

"A very vital character,

  • a quality which quite often leads this individual into all sorts of trouble

  • because other people are apt to be jealous, resentful and antagonistic to him.

The morals of this man are not above reproach .

He will be distinguished in many cases by some slight physical defect

  • on the lower part of the body,

  • that is below the waist."


Biographical details matched to the Vimshottari Dasha calendar

Shani Mahadasha * age birth until age 7.4

28-June-1940 Earth-birth * Shani-Rahu bhukti * Rahu-6 loans

Budha Mahadasha * age 7.4 until age 24.4

1961 earned MA economics Chittagong University (Bangladesh) * Budha-Shani chidradasha * atmakaraka Shani rules 10-11 public recognition, goals

Ketu Mahadasha * age 24.4 until age 31.4

1965 receives Fulbright scholarship for doctoral study at Vanderbilt University in USA * Ketu-Rahu bhukti

Zukra Mahadasha * age 31.4 until age 51.4

1969-1972 assistant professor, Middle Tennessee State University * Zukra-Zukra swabhukti * Zukra-3 instruction

1970 marriage -1 to fellow grad student studying literature, a Russian émigré to USA * Zukra-Zukra swabhukti * samchara Rahu-Ketu via Meena-Kanya contact radical R-K

1971 earned Ph.D. in economics, Vanderbilt University (Tennessee, USA) age 31 * Zukra-Zukra swabhukti * Zukra-3 writing rules 7-diploma

Mar-1977 - celebrated the birth of child-1 (did not have contact with celebrated the birth of child-1 from 1979 until 2004) * Zukra-Rahu bhukti

1977 Grameen Bank is formed and the first microloans are disbursed * Zukra-Rahu bhukti * Rahu-6 opportunity from extreme poverty

July-1977 wife and child leave Dhaka, returning and permanently to USA * Zukra-Rahu bhukti

1979 divorce-1 * * Zukra-Guru bhukti * Guru rules 12-disappearance

Apr-1980 marriage-2, to university physics instructor * Zukra-Guru bhukti * Guru rules Meena 7th-navamsha * samchara Rahu-Ketu via Simha-Kumbha

1982 grieved the decease of mother Sufia Khatun * Zukra-Shani bhukti * Shani rules 12th-from-Chandra

Surya Mahadasha * age 51.4 until age 57.4

24-Jan-1986 - child-2 * Surya-Budha bhukti * Budha rules 7th-from-Chandra = second child

Chandra Mahadasha * age 57.4 until age 67.4

Mangala Mahadasha * age 67.4 until age 74.4

2006 Nobel Peace Prize (shared with Grameen Bank) * Mangala-Guru bhukti * Guru dharmesha 11th-from-11th super-award

2010-2011 accusations of embezzlement and other wrongdoings

Rahu Mahadasha * age 74.4 until age 92.4

2012 begin Chancellor at Glasgow Caledonian University * Rahu-Rahu swabhukti

Guru Mahadasha * age 92.4 until age 108.4

Distinctive features of the Nativity

the economic-systems dogma of his era had become outdated, and

Surya * pitrikaraka * jyotikaraka

  • Surya-Mithunaya * Mithra * neighbor, companion
  • Surya in bhava-3 * center of commerce, intelligence for reports, dramatic announcements, creative descriptions * self-referential instruction delivery * confident handcraft, splendid technology * entertaining explanations * administrative entitlements * focus on communication * eye on process management * iconic messaging * bright center of discourse * brilliant gesturing
  • Surya-yuti-Zukra * confidently harmonious * brightly creative bargainer * artistic father-figure * uniquely intelligent sister-figures * entitled to pleasures * aesthetic expressions align with the spiritual rays of the Sun * financial politics * radiantly diplomatic * self-reflexively attractive features


Dad = Haji Dula Mia Shoudagar He was a jeweler by trade Surya in bhava-3 craftsman

father goldsmith-jeweler, merchant = Surya-yuti-Zukra, receives disciplining, work-ethic drishti of Shani


Surya in bhava-3 rules 5-politics, celebrity, gamesmanship.++ Surya occupies the profitable 11th-from-5. Despite vicissitudes of Rahu-Kanya-6 operating in the most oppressed, superstitious populations, nichha-Shani obliging service to the most stigmatized economic sectors, and nichha-Mangala afflicting not only his own mother and motherland, but also the mothers as a collectivity of the nation... Professor Yunus became an international celebrity figure, applauded for his creativity (5) and intelligence (5).

Surya Mahadasha * age 51.4 until age 57.4

1986-1992 = beginning of fame. Eventually there would be dozens of global achievement prizes and international recognition (along with persecution due to Rahu-Shani-Mangala).

Chandra * matrikaraka * garha-karaka lagnesha

  • Chandra-Meena * comforted by rhythmic ancestral guidance
  • Chandra in Uttara-bhadra-pada * comforted by wisdom systems * protectors of compassionate order * needs to provider structured spiritual guidance * soothed by mature expansion of lawfully distributed care
  • Chandra in classroom-12 * comfort in dreams * familiar with ancestor guidance * routine withdrawal from public life * accustomed to private prayer * settled into the rhythm of secluded enclosures * acculturated to Other Worlds * needs to feel the repeating pulse of imaginative inspiration * soothed by intuitive understanding * anchored into sanctuary environments * undulating sleep
  • Somana-yuti-Ketu * Emotionally scattered * sensitive to disoriented figures * indifferent to local customs * disengaged mother * soothed by disintegration * dissolves the comforting routines * needs to wander * feels like a pilgrim


Mom = mentally dispersed * Sufia Khatun = Somana-yuti-Ketu ++ Chandra in classroom-12. Also, Mangala-Karkata * nichha in bhava-4.

MARRIAGE emotional support partnership


  • = alliance-1 = bhava-6 = Rahu-Kanya-Parthya This arrangement is inherently adversarial, but it could work after age 48 when Rahu matures, and if both partners had a defined ministry of service to the disadvantaged classes. The partners were far younger than 48 when the union was formed.

2nd-from 7th-from-Chandra-12

  • alliance-2 = bhava-1 aligned to the personality and the work = Shani-yuti-Guru . This partnership invokes the challenges of nichha-Shani such as institutionalized prejudices and blood-hatreds, along with the dharmic, humanistic, theoretical, academic-research worldview of dharmesha Guru-1. Marriage to a fellow university professor with a research agenda, raised in the culture, accustomed to the poverty and bias of the environment. Second union endured many decades.

Childhood home + homeland

Somana-yuti-Ketu-12 rules childhood home (Karkata-4).

Yunus grew surrounded by the deep poverty along with the pervasive misogyny and ethnic violence of Bangladesh. Yet his father's business was steady and he was well educated along with his brothers. Autobiographically, Yunus recalls a pleasant childhood filled with books. His mother was emotionally disordered Chandra-yuti-Ketu .

However, bandesha in moksha-12 is not directly harmful and indeed may lend an aura of peacefulness to the home. Nichha-Mangala-4 = lagnesha indicating competition and perhaps some emotional manipulation between the brothers. The fact that he achieved a Ph.D. also attests to the stability of the foundational experience. Whatever the stresses, home conditions would have been relatively normal for the regional environment.

Kuja * bhratru-karaka * virya-karaka lagnesha

  • Mangala-Karkata * nichha * active pursuit of security * proactive nourishment * drive toward rooting + settling * vigorous defensive movement * police protector * fence-builder * push toward land ownership * promotes construction of settlements * innovative farming + fishing * energetically ethnic * champion of local cultures
  • Mangala in bhava-4 * drives local transport * champion of building and vehicle production *digging, drilling, mining, pushing into the underground * construction mechanic * erecting foundations * energized domestic conquests * engineering approach toward lands and properties * invigorating defensive action * competitive household dynamics * farm tillage, plowing, plunder * navy + marine defense * pushy parents * physical action, sporting challenge, or fighting within the childhood home
  • Kuja-yuti-Budha * communicative competitions * energized signaling * dynamic reporting * clipped speech patterns * abrupt announcements * champion of vigorous messaging * pushes toward direct commands * potential for aggressive gestures * incisive speech * forceful writing

Lagnesha Mangala-Karkata * nichha ++ rogesha Budha

designed the system for addressing the plight of those ravaged by poverty that provides micro-credit loans to the poorest agricultural women, slightly enabling their prosperity even while they remain in the bondage (6) to the land.

Budha * bandhava-karaka * zisya-karaka

  • Budha-Karkata * comfortable communications * hand, arm, shoulders make protective gestures * articulation of rhythmic root culture * discussions about security * describes routine behaviors * instructions for foundational stability * describes the folkways * reports on walls, moats, fencing, and policing * defensive posture in discourse * converses with parental personalities * environmental wardens * issues customary pronouncements * delivers messages about sustainable settlements * habitual topics of patriotism, land use, shielding, cultivation, and nourishment
  • Budha in bhava-4 narrative of parents, homeland, roots, routine, ritual * discusses the mother-figure, parenting, comfort, security, defense , describer of sheltering protection, fences, boundaries, policing, guardianship, familiarity, explainer of homeland customs, delivers instructions for anchoring, patriotic slogans, talks about farms, fishing, nourishment, transportation, vehicles, schooling, foundations, folkways, customary rhythms, seasons
  • Budha-yuti-Mangala * explainer of competitive energies, articulation of forward action, message of innovation and forward movement, outspoken, fraternal conversations, aggressive communications, talkative brother-figures

Budha rules Kanya (Hasta) swamsha

Guru * dhavakaraka * bahuta-karaka

  • Guru-Meza * much movement, philosophy of direct movement, many competitions, pioneering beliefs, doctrine of conquest, innovative guidance, expands the scope of championship, multiple engineers and athletes
  • Guru in bhava-1 * dig-bala * much vitality * jolly personality * generous disposition * numerous identities * much jovial competition * many cheerful sporting activities * believes in direct action * expansive aura * extra height-or-girth * embodiment of jovial cheer * a patron of generous optimism
  • Guru-yuti-Shani atta-karaka * multiple elder-figures * permission to hold respected positions * abundant structure * develops many rules * expansive hierarchies * diverse systems * optimistic social philosophy * large-scale responsibilities

worldwide academic influence due to dharmesha Guru in bhava-1

Zukra * kalatra-karaka * svadhu-karaka

  • Zukra-Mithunaya * appreciation of detail, likes accessories, attracted to writers and businesspeople, balanced communications, aesthetic of handiwork, pleasures of specific explanations, enjoys correspondence and conversation, articulated messaging arrangements
  • Zukra-3 * pleasure of explanatory description * gracious messaging * enjoys commercial harmony * aesthetic instructions * feminine-figures (sisters * aunts * neighbors) dominate the cohort * appreciation of communications * aesthetic instructions * pleasing designs to adorn the ears * arms * shoulders * and hands * feminine-figures (sisters * aunts * neighbors) dominate the cohort * appreciation of balanced communications
  • Zukra-yuti-Surya * balanced roles in drama, appreciation for political display, theatrical negotiations, self-focused arrangements, radiant bright beauty * self-reflexive bargaining, sweetly confident entitlements, enjoys politics, negotiating father-figure, intelligently focused on trades, arrangements, contracts * arrangements according to father's choice or self-will

Zukra rules Bharani radical lagna

Zukra rules bhava-7-contracts, agreements ++ 12-invisibility, seclusion

bhava=7 contracts receives the drishti of BOTH nichha-Shani and nichha-Mangala signifying parties-to-the-contract whose situation may be both emotionally (Kuja-Karkata) and socially (Shani-Meza) burdened.

Professor Yunus created a type of contract which catered to the extremely poor and destitute subsistence farmers (nichha-Shani bottom ranks) in his notoriously corrupt (nichha-Shani) homeland of Bangladesh.

Shani drishti to Zukra-3 commerce limits the scope of business activities. The commercial ventures of the microloan recipients are by definition extremely modest in scope.

His methods used extremely small amounts of capital to build agricultural wealth very, very slowly (Shani).

Shani * duro-karaka * jara-karaka

  • Shani-Meza * nichha * heavy old blood-feuds * brain cramp, blocked bloodflow, muscle seizure * limits on innovation * must bear the weight of old aggressions * social limitations on individual championship * social restrictions on expression of new ideas * obliged to conform to the dominating winners * pressure to launch dry explosives * attacked by proletarian weaponry * must endure race-fighting * must materialize orderly competition for survival energies * must endure exhausting contests * insufficient initiative for pioneering invasions * at times, survival requires great effort * vital energy compression stress zone = head-brain * strictly imposed consequences of conquest * must continue to sustain forward movement despite scarce available resources
  • Shani in Bhava-1 * Structured, orderly, time-conscious personality. One must act under pressure, have to move but slowly, push forward against stiff limitations; cautious, conventional identity; tense competition, muscular fatigue, chronic impeded movement, seizures and cramps. Heavy legacy pressure against free movement. Resistance to new ideas and direct action. Resentment toward constriction of physical appearance. Support for socially-approved dutiful roles, conventionalized identity, and conduct befitting an elder
  • Shani-yuti-Guru * resistance against expansion * slow elder teachers * pragmatic philosophy * limited scope of understanding * doctrinal discipline * constrained growth * conventionally regulated beliefs * faith in the rule of law * class-structured ideology

Atmakaraka Shani in Bharani occupies radical-1 + navamsha-1 + dashashamsha-1

Institutionally oriented Shani rules

social responsibility bhava-10 ++ economic systems-11

Vriddhipati = nichha-Shani = most stigmatized classes.

Shani-1 rules 11 = developed a financial system of micro-credit to alleviate extreme hopeless misery among Bangladesh's most poverty-stricken.

dignified reputation, leaderly bhava-10 receives the drishti of BOTH nichha-Shani and nichha-Mangala

Shani in Bharani nakshatra suggests a heavy obligation to work with mani-money

As a professor of economics, he understood the economic system (11) built on racism and bloodline (Meza) privilege-or-prejudice.

Rahu * rajyalobha-karaka * picchala-karaka (slippery)

  • Rahu-Kanya-Parthya * shimmering illusion of humility * craving for crime * mask of exploitation * ambitious medications * intriguing addictions * mirage of humble service ministry * fascinating injuries * over-reaching logic of injustice * amazing illnesses * extraordinary arguments * seeks special importance via apparent (but perhaps not authentic) attributes of medical skill, shrewd management of conflict and war, divorce remediation, accusatory litigation * seeks privilege via victim-roles
  • Rahu in bhava-6 * passion for conflict, remedies * in swabhava of Busy Budha, the Shadowy Specter seeks privilege via glamorous or unusual arguments, thrilling defense of victims, conflicts, miseries, medicines, servants, accusation, injustices. Craves an environment of disagreement, injustice, misuse. Desires an important role in matters of disease, injury, warfare, labor, unfairness, toxicity * Exciting enemies. Rahu-6 trespasses the cultural boundaries in matters of debt, drugs, slavery, betrayal, exploitation, war. Rahu the Poseur may pose as a victim, a druggist, a litigator, a problem-solver, an abuser, a diseased person, an enslaved person, a relative of the mother's people. Risk-rewarding, boundary-breeching Rahu thrives in Bhava-6 where He finds opportunity in the worlds of crime, war, pharmacy, self-medication, toxicity.

Bhava-6 loans

6 = ultimate efficiency for Rahu

Rahu-6 causes intense disagreement in the first marriage due to Rahu-Kanya-Parthya in 7th-from-Chandra-12

Rahu in bhava-6 with ruler Budha in economic 11th-from-6th = exceptionally well placed for non-marriage purposes such as medical and service ministries. Rahu predicts Yunus' striking success in the economics of poverty, crime, addiction, exploitation, and slavery.

Through the offices of Grameen Bank, Professor Yunus created loan contracts for microloans. The contracts were negotiated between the poorest of the poor agricultural women (often a group of such women) and the lending bank. Not only had this category of person (impoverished women, acting independently of their husbands) never been seen as eligible to enter a legal contract; also the contracts could be made between the bank and a collective group. Other features of the women's outsider status, such as their subservience to their husbands per scriptural law, remained in effect. However for the purpose of this single loan contract, they were elevated to the status of legal promissory signatories. Lacking literacy, they made an alternative sign (Rahu-6 Kanya ruled by Budha-4-gestures).

Ketu * kavandha-karaka * chidra-karaka

  • Ketu-Meena * dissociates from Otherworldly understanding, incomplete clairsentience, empty dreams, dissolute guidance, not limited by cetacean culture, ignores restriction on intuition, disarrayed wisdom, applies symbolic understanding to the misty abyss
  • Ketu in classroom-12 (beneficial) * ambivalent toward enclosures, absent from the ancestor spirits, disregards fantasy boundaries, dissolves the isolated sanctuaries, irrelevance of sleep * Ambivalence toward clairsentient empowerment, disinterested in invisibility. One abandons the veil between perceptual worlds, ignores the dreams, surrenders the fear of imprisonment
  • Ketu-yuti-Chandra * surrendered sensitivity, empty feelings, unsustainable shelter, ambivalent mother, disinterested in cultural routines, eccentric parenting, emotional apathy, abandoned vessels, incomplete nurturing, distanced from the ethnicity, fragmented caretaking, disconnected roots. Spiritual liberation via release of habitual comforts.

Yunus has recounted that his mother was significantly mentally ill and withdrawn during his childhood.

Chandra-yuti-Ketu * he disregarded the archaic cultural teachings which claimed that poor women could not repay loans


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