Climate change, environment

First-hand insights on Climate Change impacts in Bangladesh: An interview with Susmita Saha

Climate change continues to accelerate, affecting people’s near term expectations.

A recent World Resources Institute (WRI) study found that “147 million people will be hit by floods from rivers and coasts annually by the end of the decade, compared with 72 million people just 10 years ago.” (1)

Damages to urban property will soar from $174bn to $712bn per year. By 2050 the cost to cities will exceed $1.7 trillion.

Charlie Iceland of WRI said, “Now we’re actually seeing this increase in magnitude of the damages in real time. We’ve never seen these types of floods before.” By 2050, “the numbers will be catastrophic.”

“Floods are getting worse because of the climate crisis, decisions to populate high-risk areas and land sinkage from the overuse of groundwater. The worst flooding will come in south and south-east Asia, including in Bangladesh, Vietnam, India, Indonesia and China, where large populations are vulnerable.”

I wanted to know, ‘How does this affect people living in south-east Asia right now?’

I met Susmita Saha who lives in Bangladesh through Facebook. She liked a previous article I had written on the subject of climate change and I reached out to her to connect. Since then we message each other each day.

Knowing that the impacts of Climate Change will be hardest felt in places like Bangladesh I wanted to get her view of what is happening and how it affects her daily life. I asked her to start by describing her background, age, and upbringing.

“I am Susmita Saha. I live in Jhalakati, Barisal division, Bangladesh. I am 23. Currently I am a student of disaster management in Patuakhali Science & Technology University. I am studied in the science group. Originally, I wanted to be a doctor to save lives & to serve the poor people in our community & help society… But I couldn’t… I then I decided to study in disaster management… It’s a challenging subject for me to obtain knowledge to mitigate the impacts of various hazards or disasters in our country….”

I asked her if she seen any impacts from climate change on where she lives? And how are things changing?

“Yeah. Actually, I have noticed the impacts of climate change in my living area as well as my varsity (university) nearby area. Since my childhood I had hardly remembered that during summer season the temperature was medium but now due to climate change, the temperature is increasing at a high rate. We live in the southern part of our country… and most people’s main occupation is agriculture. So excessive temperature reduces moisture content in soil & the agricultural production is also reduced day by day due to climate change. It is a concerning factor for us whereas it hurts to our economy. Secondly, due to climate change, the intensity & frequency of meteorological & hydrological hazards also increases. Their impact on my community is really hard. Their ability to cope decreases due to the repeated impacts.”

She continued, “Some indirect impacts such as social conflict & violence also increases day by day.”


I know that temperatures in India recently have been very high. Are you experiencing the same?

“Yeah….definitely… But not like India….but temperature is increasing in our country also.”

Water is a huge issue. I stated there is expected to be less water coming from Himalayan glaciers. Does that affect where you live? Do you get water from glaciers in your rivers? Do you see lower levels of water in rivers?

She responded, “Actually my varsity is situated near in one of the Sea beach Kuakata in our country…. And my hometown is embedded with many rivers. The Barisal division is called ‘division of rivers’. So this allows me to witness the nature of rivers due to climate change. In monsoon, the river level increase. Sometimes it is overloaded…. Just I know this… Your question makes me think to this matter…but instantly I don’t have clear idea about that.”

I asked what the economic situation in Bangladesh is.

Susmita responded, “Now we gain middle income country…. Although it is lower medium…..we are trying to gain a better economy….”

As temperatures rise even more in the next 10 years how do you think that will affect the economy?

“Obviously… It does… Ours is an agricultural country. In northern part of our country, temperature rise influences drought & salinity intrusion on that locality. The production hampers a lot. In the northern regions specially Rajshahi, Rongpur, Ponchogaur district faces many problems due to temperature rise. As the agricultural production decreases due to moisture loss & irrigation problems, the prices of daily commodity also increases. This effects on our economy. This impacts on our GDP. Also, the people who are engaged directly or indirectly with agricultural practices, they have to replace & change their main occupation due to the impacts. They migrate on cities to search for a new livelihood. As a result, this creates an increasing pressure on society… These are some of the effects related to our economy.”

Great points. I asked, are you optimistic about the future?

“Yeah… we are… Actually we believe on our positive will. Already our government & our other stakeholders give a concerning eye on that impact to reduce the negativity of disaster.”

I responded, “That’s great. I think we are facing a disaster, but I am optimistic.”

Her answer to me, “Obviously… We have to James.”

I asked If you could change one thing to affect climate change, what would you want to change?

“I think climate change is dependent on various things…one thing cannot change anything…. Climate will change & I think it’s her nature…we should adopt with the changing climate. We should adopt with the climate change. That’s all there is to it.”

People in the west do not normally get to talk to people in places like Bangladesh, or India, or Ethiopia. What would you want to tell Americans? Is there a message you want them to learn?

Susmita responded, “Yeah…definitely. We face the worst part of climate change & we should integrate as one world, not like America, India not Bangladesh….climate change is that matter which is not only confined for one country but also for every country, for every citizens in our planet.”

Sage advice…

To learn more about how climate change will affect investments and how to manage this risk email me at

NOTE: Susmita Saha has granted permission to reprint the above conversation with minor changes. My conversation with Ms. Saha is a reprint of a 2016 interview, as well as recent conversations.

Retirement Income. Tax Efficient Planning.

Life Insurance. Disability Insurance

Socially Responsible Investing

To learn more contact:
James Cox
Cell: 267 323 6936
First Financial Group 150 South Warner Rd.  Suite 120 King of Prussia, PA 19406

Links to other sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof. 

This material contains the current opinions of the author but not necessarily those of Guardian or its subsidiaries and such opinions are subject to change without notice.

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 7101 Wisconsin Ave Suite 1200, Bethesda, MD 20814 301-907-9030 Securities products and advisory services offered through PAS, member FINRA, SIPC.  CA insurance license #0I64535. First Financial Group is not an affiliate or subsidiary of PAS or Guardian. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. 

2020-99820 exp 4/22