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Commerce and Material Economy


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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 [age 72] at the 2012 World Economic Forum


Social Capitalist

Banker to the Poor

statistical mathematician


2006 Nobel Peace Prize

Microcredit Economics

Muhammad Yunus


Earth-birth * Friday-28-Jun-1940


Microcredit systems developer


economic theory


Professor Muhammad Yunus

birth data from

tentatively rectified by BP Lama Jyotishavidya

charts + graphs + tables = produced by Shri Jyoti Star * adapted by BP Lama

Rising Nakshatra

Masculine Nativities


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 Beautiful Bhrigu may considerably affect the outcome.

For those born into the Shukra-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

[Shukra] -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 Shukra-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-Jun-1940 Earth-birth in Chittagong, Bengal Presidency, British India * Shani-Rahu bhukti * Rahu-6 loans

Budha Mahadasha * age 7.4 until age 24.4

1961 [MY age 21] earned MA economics Chittagong University [Bangladesh] Budha-Shani chidra-dasha* atmakaraka Shani activates 10-11 public recognition, goals

Ketu Mahadasha * age 24.4 until age 31.4

1965 [MY age 25] awarded a Fulbright scholarship for doctoral study at Vanderbilt University in USA * Ketu-Rahu bhukti

Apr-1966 until Jun-1968 Janma Sade-Sati Meena

Shukra Mahadasha * age 31.4 until age 51.4

1969-1972 [MY age 29] assistant professor, Middle Tennessee State University * Shukra-Shukra svabhukti * Shukra-3 instruction

1970 [MY age 30] exchange the vows of marriage-1-of-2 with fellow grad student studying literature, a Russian émigré to USA * Shukra-Shukra svabhukti * samchara Rahu-Ketu via Meena-Kanya contact radical R-K

1971 [MY age 31] earned Ph.D. in economics, Vanderbilt University [Tennessee, USA] age 31 * Shukra-Shukra svabhukti * Shukra-3 writing rules 7-diploma

Mar-1977 [MY age 37] celebrated the birth of child-1 [did not have contact with child-1 from 1979 until 2004] Shukra-Rahu bhukti

1977 [MY age 37] Grameen Bank is formed and the first microloans are disbursed * Shukra-Rahu bhukti * Rahu-6 opportunity from extreme poverty

Jul-1977 [MY age 37] wife and child leave Dhaka, returning and permanently to USA * Shukra-Rahu bhukti

1979 [MY age 39] divorce-1 * Shukra-Guru bhukti * Guru activates 12-disappearance

Apr-1980 [MY age 40] exchange the vows of marriage-2of-2 with university physics instructor * Shukra-Guru bhukti * Guru activates Meena 7th-navamsha * samchara Rahu-Ketu via Simha-Kumbha

1982 [MY age 42] grieved the decease of mother, Sufia Khatun * Shukra-Shani bhukti * Shani activates 12th-from-Chandra

Surya Mahadasha * age 51.4 until age 57.4

24-Jan-1986 [MY age 46] celebrated the birth of child-2 * Surya-Budha bhukti * Budha activates 7th-from-Chandra = second child

Chandra Mahadasha * age 57.4 until age 67.4

Jun-1995 until Apr-1998 = Janma Sade-Sati Meena

Mangala Mahadasha * age 67.4 until age 74.4

2006 [MY age 66] 2006 Nobel Peace Prize [shared with Grameen Bank] Mangala-Guru bhukti * Guru dharmesha 11th-from-11th super-award

2010-2011 [MY age 70] jealous accusations of embezzlement and other wrongdoings

Rahu Mahadasha * age 74.4 until age 92.4

2012 [MY age 72] begin Chancellor at Glasgow Caledonian University * Rahu-Rahu svabhukti

Guru Mahadasha * age 92.4 until age 108.4

Distinctive features of the Nativity


pitri-karaka [father] jyoti-karaka [light]

[creative-gaming vidya-pati for for Mesha indriya-lagna]

[confident reporter-announcer]

[charismatic commercial displays]

[self-focused event management]

[intelligence for gambling]

[confident in political games]

[brightly entertaining conversation]

[identified with detailed writing]

[father may be communicator-manager-publicist]




  • [Surya-Mithunaya] Mithra * neighbor, companion * brightly charismatic confidence of Center-stage Surya radiates through the conversational gesturing rashi of Budha
  • [Surya in bhava-3] center of commerce * mercantile intelligence * smart reports * dramatic instructional delivery * creative descriptions * sparkling retinue * splendid games of manual-skill * self-referential announcements * admirable handcraft * cinematic genius * smart technology * focus on teamwork * entertaining explanations * administrative entitlements * focus on data * eye on process management * regal messaging * bright center of discourse * brilliant gesturing * father may be a businessman-craftsman-communicator
  • [Surya-yuti-Shukra] confidently harmonious * brightly creative bargainer * uniquely intelligent feminine-figures * entitled to pleasures * aesthetic expressions align with the spiritual rays of the Sun * financial politics * graciously creative * dramatic promises * radiantly diplomatic * self-reflexively attractive * father may be artist-broker-arranger


Dad = Haji Dula Mia Shoudagar


Surya in bhava-3 activates 5-politics, celebrity, gamesmanship.++ Surya occupies the profitable 11th-from-5. Despite vicissitudes of Rahu-Kanya-6 operating in the most oppressed, superstitious populations, [nīcha] Shani obliging service to the most stigmatized economic sectors, and [nīcha] 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] .


matrikaraka [mother] * garha-karaka [village]

[localizing bandhesha for Mesha indriya-lagna]


[Uttarabhadra-4] [navamsha Chandra-Vṛścika] intuitively discovering


  • [Chandra-Meena] comforted by ancestral guidance * settled into rhythmic intuition * needs contemplative sanctuary
  • [Chandra in Uttarabhadra-Andromeda] soothed by wisdom systems * protectors of compassionate order * needs to regulate structured guidance
  • [Chandra in classroom-12] draws comfort from dreams * familiar with ancestor guidance * accustomed to private prayer * nested into secluded enclosures * needs to fantasize * acculturated to Other Worlds * soothed by imaginative inspiration * repeating pulse of intuition * anchored by contemplation * seeks protective sanctuary * comfortable with isolation * undulating sleep * mother may be unavailable, withdrawn, reflective, sleepy, a researcher
  • [Somana-yuti-Ketu] emotionally scattered * sensitive to disoriented folks * indifferent to established routines * abandons outdated customs * detached mother * soothed by the Witness perspective * comforted by spacious emptiness * long pilgrimage by water * needs to wander * feels forsaken


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

MARRIAGE partnership emotional equity support expectations


  • = alliance-1 = bhava-6 = Rahu-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.



  • alliance-2 = bhava-1 aligned to the personality and the work = Shani-yuti-Guru . This partnership invokes the challenges of [nīcha] 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.

[nīcha] 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.


bhratru-karaka [brother] virya-karaka [virile]


[energizing-identifying lagnesha for Mesha indriya-lagna]

[mysterious-initiatory randhresha for Mesha indriya-lagna]

[Kuja Dosha for alliance-1]

[energetic manipulative mother]

[guilt-extortion parents]



[Pushya-1] = [navamsha Mangala-Simha]

  • [Mangala-Karkata] 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] promotes local transport * champion of construction * mechanized vehicles * underground dig-drill-dive-mine * lively push toward fast driving * school bully [nichha only] builds foundational infrastructure * invigorating patriotism * domestic conquests * pursues home ownership * defensive action * restless in school * energized farming * tillage-plowing-plunder * fights in marine defense * pushy parents * competitive force in the childhood home
  • [Kuja-yuti-Budha] proactive communications * energized signaling * dynamic reporting * clipped speech patterns * abrupt announcements * champion of vigorous messaging * pushes toward direct commands * forward thrusting gestures * incisive speech * forceful writing


Lagnesha Mangala-Karkata [nīcha] ++ rogesha Budha

designed the system for addressing the plight of those ravaged by poverty

micro-credit loans provide financial sustenance to the poorest agricultural women, slightly enabling their prosperity -- even while they remain in the bondage [6] to the patriarchal culture and to the land.


jamayah-karaka [sibling] sandeza-karaka [message] zisya-karaka [student]

[busy-commercial sahaja-pati for Mesha indriya-lagna]

[inimical-medicating rogesha for Mesha indriya-lagna]

[ethno-cultural narrative of commerce and accusation]

[talks soothingly about security and defensive war]

[sensitive discussions on the place of belonging]

[detailed businesslike domestic routines]

[childhood home is familiar, chatty, transactional, and conflicted]

[mother may be an explainer-instructor-manager]



  • [Budha-Karkata] comfortable communications * hand-arm-shoulders make protective gestures * rhythmic articulation of root culture * discusses ancestral morality * prescriptive routines * argues for foundational stability * describes protective fencing * parochial talk * converses about caretaking * environmental wardens * issues customary pronouncements * delivers land-use information * patriotic declarations * habitually chats about the local settlement
  • [Budha in bhava-4] narrative of cultural roots * skillfully describes parochial routines * delivers ritual instructions * discusses protective caretaking * talks in rhythmic comfortable style * analysis of foundational security * conversations about defense * handcraft of fenced shelter * explainer of homeland customs * patriotic slogans * detailed communication about nourishment * team collaboration in farming-and-fishing * transportation scheduling * seasonal planning * familiar sibling conversations
  • [Budha-yuti-Mangala] competitive communications * scripted actions * impatient conversations * potential for sexualized messaging * penetrating explanations * direct instruction * signals forward action * pioneering movement * outspoken opinions * talkative brother-figures


Busy Budha activates Kanya [Hasta] Svamsha


dhava-karaka [husband] bahuta-karaka [variety]



  • [Guru-Mesha] warrior dharma * philosophy of direct movement * many competitions * broad scope of pioneering action * permission to dominate * doctrine of conquest * invigorating guidance * expands the range of championship * believes in innovation
  • [Guru in bhava-1] much vitality * philosophical personality * permission for unrestricted action * generous disposition * numerous identities * expands the scope of competition * many cheerful sporting activities * believes in birthright * expansive aura * extra height-or-girth * embodiment of tolerant cheer * a patron of personal benefit * in a wifely nativity, husbandly-companion may be an expander-philanthropist-benefactor
  • [Guru-yuti-Shani] atta-karaka * multiple elder-figures * permission to hold respected positions * abundant structure * numerous law-makers * expansive hierarchies * tolerance for diverse systems * optimistic philosophy of social regulation * large-scale responsibilities


worldwide academic influence due to dharmesha Guru in bhava-1


svadu-karaka [sweet] kalatra-karaka [wifely companion]

  • [Shukra-Mithunaya] appreciation of detail * beautiful accessories * attracted to writers * likes businesspeople * balanced gestures * diplomatic communications * prefers a communicative partner * aesthetic of handiwork * pleasures of specific explanations * enjoys correspondence * satisfied by conversation * articulated messaging arrangements
  • [Shukra-3] seeks pleasure via communications * talks about relationships * sweetens the administrative tasks * smooth style of messaging * enjoys commercial harmony * pleasant retinue * satisfied by literacy * balanced numeracy skills * prefers collaborative teamwork * aesthetically phrased announcements * appreciation of conversation * nice designs to adorn the ears * attractive shoulders * lovely arms * graceful hands * chatty sisters- aunts-neighbors * attuned to the cohort * likes musical groups * fair-and-balanced reporting * in a husbandly nativity, wifely-companion may be a manager-communicator-writer
  • [Shukra-yuti-Surya] balanced roles in drama * appreciation for political display * pleasantly charming * self-focused diplomacy * radiant bright beauty * self-reflexive bargaining * sweet entitlements * negotiating father-figure * self-directed arrangements * focus on trade exchange * solipsistic romance * idealistic contracts * enjoys the game of deal-making * prefers self-confident partners

Shukra activates Bharani radical lagna

Shukra activates bhava-7-contracts, agreements ++ 12-invisibility, seclusion

bhava=7 contracts receives the drishti of BOTH [nīcha] Shani and [nīcha] Mangala signifying parties-to-the-contract whose situation may be both emotionally [Kuja-Karkata] and socially [Shani-Mesha] burdened.

Professor Yunus created a type of contract which catered to the extremely poor and destitute subsistence farmers [nīcha] Shani bottom ranks] in his notoriously corrupt [nīcha] Shani] homeland of Bangladesh.

Shani drishti to Shukra-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].


duro-karaka [endurance] *jara-karaka [Jahre, years]


[dutiful-hierarchical karmesha for Mesha indriya-lagna]

[profitable labha-pati for Mesha indriya-lagna]


[Bharani-2] = [navamsha Shani-Urisha]

[Atmakaraka economics, social-participation, distribution networks, assocations, regulations, material consequences ]


  • [Shani-Mesha] harsh old blood-feuds * brain cramp * blocked bloodflow * muscle seizure * limits innovation * overburdened aggressions * fierce resistance * freezes new ideas * law of the winners * proletarian battles * must enforce dominance * contempt for independence * burdened by championship * cruel competitions * endurance contests * at times, survival requires great effort * obligation to fight * normalizes war * structural pressure upon head-brain * lurching forward push * conquest brings oppressive duty * must sustain physical supremacy * constricted vitality * maintainer of bitter old competition-for-resources
  • [Shani in Bhava-1] steady time-structured personality * mature conduct * must produce under pressure * strictly orderly movement * regimented appearance * grim determination to survive * tense competition * muscular fatigue * required activity drills * chronically impeded self-expression * bodily seizures * identified with heavy responsibility * resists unnecessary change * often looks older * lives to work * elders preserve class-conscious identity
  • [Shani-yuti-Guru] social resistance to generous expansions * slow elder teachers * pragmatic philosophy * limited scope of understanding * doctrinal discipline * constrained growth * conventionally regulated beliefs * optimism limited by resistant old structures * faith in the rule of law * class-hierarchical ideology

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

Institutionally oriented Shani activates

social responsibility bhava-10 ++ economic systems-11

vriddhi-pati = [nīcha] Shani = most stigmatized classes.

Shani-1 activates 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 [nīcha] Shani and [nīcha] Mangala

Shani in Bharani-Yamya 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 [Mesha] privilege-or-prejudice.


rajyalobha-karaka [ambition] picchala-karaka [slippery]

[passion for war logistics]

[opportunity via usury]

[social mobility via aid to impoverishing indebtedness]

[over-reaching in ministries of service]

[fascinating remedies help the victimized]

[ethno-rhythmic Hasta-4]

  • [Rahu-Parthya] shimmering illusion of humility * craving for crime * mask of exploitive assistance * ambitious physicians * intriguing addictions * mirage of medication * fascinating injuries * over-reaching accusations * amazing illnesses * extraordinary arguments * may be obsessed with servants-and-servitude * seeks special importance via apparent [but perhaps not authentic] conflict management * shrewd dealings in sickness * ingenious divorce * extravagant litigation * seeks privilege via victim-roles
  • [Rahu in bhava-6] [beneficial placement] passion for prestige conflicts * in svabhava of Busy Budha, the Shadowy Specter seeks hostile environments * glamorous ministries of service * unusual servants * exotic arguments * thrilling surge of accusations * unorthodox medications for miseries * fascinating criminal lawsuits * outsider who cleverly insinuates into military-medical-ministry roles * craves the delusion of disagreement * mesmerizing mistreatment of laborers and animals * desires an important role in litigation * exciting injuries * opportunistic warfare * disguised as a victim * marvelous assistance to the disadvantaged * entrancing claims of alleged misdoing * may pose as a poor-sick-harmed patient * may appear as a helpful relative of the mother's people * social mobility sought via cunning assistance


Bhava-6 loans

6 = ultimate efficiency for Rahu

Rahu-6 causes intense disagreement in the first marriage due to Rahu-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. 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] .


kavandha-karaka [headless] chidra-karaka [gaping] vasana-karaka [vacuum]

  • [Ketu-Meena] sleepily dissociates from isolated ashrama * incomplete gestalt * unlimited visionary insight * wandering spirit guides * unsustainable sanctuary * dissolution of private prayer * foggy boundaries of distant worlds * permeable understanding of cetacean cultures * ignores restrictions on clairsentience * disarrayed dreams * releases a golden oceanic cloud of wisdom into 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] insecure * foggy sensitivity * empty feelings * unsustainable habits * ambivalent mother * disinterested in cultural routines * peculiar parenting * emotional apathy * surrenders the ship * abandoned vessels * incomplete nurturing * distanced from the ethnicity * fragmented caretaking * disconnected roots * liberation via release of home comforts


MY 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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