Fifth in the series for social and especially educational assistance activities being carried out from Lucknow. A personal interview with Mr. Najmul Hasan Rizvi, a philanthropist and an active Secretary & Executive Member of the Board of Tuaheedul Muslimeen Trust (TMT) at Lucknow, India. The listener in this session shall find a full discussion on the processes and management of granting scholarship to the deserving candidates while ensuring that there is no undue pressure or loss of face by the recipient and/or their parents/guardian. A look at the Australian government HECS set up and its compulsory payment like debt recovery is done and the process is compared with the tasks and management of encouraging the beneficiaries to assist/repay back financially in order to help out the new candidates. Participants: Najmul H. Rizvi, Iqtedar Abdi Editor, Publisher, Director: Iqtedar Abdi.