Pub Date : 2021-12-20DOI: 10.3126/jnbs.v14i1.41487
Yog Raj Lamichhane
Rhetoric is the artful deviation of information and ideas. It is commonly utilized in different forms of advertising. In this context, the study has examined how rhetorical devices are employed in the brand slogans of the 28 commercial banks in Nepal. To achieve their dominant theme there, it identifies and categorizes the devices following the taxonomy developed by James H. Leigh. The framework divides such figures of speech into 41 types under 2 major categories schemes and tropes. The finding from this descriptive analysis and has indicated that music, memory, association, emphasis, emotion and exaggeration are some popular constructs for designing the slogans. Moreover, Nepali private commercial banks seem more successful in utilizing such strategies as they have applied maximum rhetorical devices in comparison to foreign joint -venture and governmental banks. In this trajectory, foreign joint-venture banks have an international brand in the name itself, governmental banks can communicate with customers being people's banks and private banks appear smart in incorporating maximum wordplays in the slogans to play with the sentiment of the audience influencing them. The study simultaneously contributes to both the fields of creative writing and marketing communication literary world and marketing sector updating the current awareness about rhetorical culture. The study has only included the slogans of commercial banks from Nepal, but the comparative study between the slogans of all the banks from Nepal and the banks' slogans from other countries may reflect a clearer picture regarding rhetorical culture.
修辞是对信息和思想的巧妙偏离。它通常用于不同形式的广告中。在此背景下，本研究考察了尼泊尔28家商业银行的品牌口号中如何使用修辞手段。为了实现他们在那里的主导主题，它根据詹姆斯·h·利(James H. Leigh)开发的分类法对设备进行了识别和分类。该框架将修辞格分为图式和比喻两大类，共41种。这一描述性分析的结果表明，音乐、记忆、联想、强调、情感和夸张是一些流行的标语设计结构。此外，尼泊尔私人商业银行在利用这种策略方面似乎更成功，因为与外国合资企业和政府银行相比，它们使用了最大限度的修辞手段。在这一轨迹中，外资合资银行的名称本身就具有国际品牌，政府银行可以作为人民银行与客户沟通，而私人银行则在口号中加入了最大限度的文字游戏，以玩弄影响他们的受众的情绪。同时对创意写作和营销传播领域、文学界和营销界的修辞文化意识的更新做出了贡献。本研究仅包括尼泊尔商业银行的口号，但将尼泊尔所有银行的口号与其他国家银行的口号进行比较研究，可能会反映出更清晰的修辞文化图景。
{"title":"Rhetorical Culture and Brand Slogan: An Analysis of the Slogans of all Commercial Banks from Nepal","authors":"Yog Raj Lamichhane","doi":"10.3126/jnbs.v14i1.41487","DOIUrl":"https://doi.org/10.3126/jnbs.v14i1.41487","url":null,"abstract":"Rhetoric is the artful deviation of information and ideas. It is commonly utilized in different forms of advertising. In this context, the study has examined how rhetorical devices are employed in the brand slogans of the 28 commercial banks in Nepal. To achieve their dominant theme there, it identifies and categorizes the devices following the taxonomy developed by James H. Leigh. The framework divides such figures of speech into 41 types under 2 major categories schemes and tropes. The finding from this descriptive analysis and has indicated that music, memory, association, emphasis, emotion and exaggeration are some popular constructs for designing the slogans. Moreover, Nepali private commercial banks seem more successful in utilizing such strategies as they have applied maximum rhetorical devices in comparison to foreign joint -venture and governmental banks. In this trajectory, foreign joint-venture banks have an international brand in the name itself, governmental banks can communicate with customers being people's banks and private banks appear smart in incorporating maximum wordplays in the slogans to play with the sentiment of the audience influencing them. The study simultaneously contributes to both the fields of creative writing and marketing communication literary world and marketing sector updating the current awareness about rhetorical culture. The study has only included the slogans of commercial banks from Nepal, but the comparative study between the slogans of all the banks from Nepal and the banks' slogans from other countries may reflect a clearer picture regarding rhetorical culture.","PeriodicalId":146163,"journal":{"name":"Journal of Nepalese Business Studies","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134543972","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-12-20DOI: 10.3126/jnbs.v14i1.41491
Ghanashyam Tiwari
Rental tax is an important source of revenue for local government units. After Nepal adopted fiscal federalism, concerns have been shown by policymakers as well as academicians on the fiscal sustainability of the local government units. In this context, this study attempts to explore tax compliance behaviour among rental income owners in Pokhara. The study is based on a survey of 196 households located in wards 9, 11 and 17 of Pokhara Metropolitan City. The wards represent commercial, semi-urban, and densely populated areas of the city respectively. The required data were gathered employing a self-administered questionnaire comprising Likert scales to measure tax awareness, attitude towards tax, cost of non-compliance, peer influence for compliance, government incentives, and tax compliance behavior of the rental income earner. The data collected were analyzed employing ANOVA, correlation and multiple regression. The research revealed a positive relationship between tax awareness, attitude towards tax, peer influence, and government incentives with tax compliances. The study findings depict that the taxpayers’ awareness and perception towards tax are important variables that affect the compliance behavior of rental taxpayers. Moreover, the results reveal that the rental income earner in Pokhara does not comply with the tax rules due to the lower cost of non-compliance as negative relationship established was found between tax compliance and the cost of non-compliance. Metropolitan tax authority needs to focus on awareness and government incentives rather than the cost of non-compliance for better adherence to tax rules among rental taxpayers.
{"title":"Determinants of Tax Compliance Behaviour among Rental Income Earners in Pokhara","authors":"Ghanashyam Tiwari","doi":"10.3126/jnbs.v14i1.41491","DOIUrl":"https://doi.org/10.3126/jnbs.v14i1.41491","url":null,"abstract":"Rental tax is an important source of revenue for local government units. After Nepal adopted fiscal federalism, concerns have been shown by policymakers as well as academicians on the fiscal sustainability of the local government units. In this context, this study attempts to explore tax compliance behaviour among rental income owners in Pokhara. The study is based on a survey of 196 households located in wards 9, 11 and 17 of Pokhara Metropolitan City. The wards represent commercial, semi-urban, and densely populated areas of the city respectively. The required data were gathered employing a self-administered questionnaire comprising Likert scales to measure tax awareness, attitude towards tax, cost of non-compliance, peer influence for compliance, government incentives, and tax compliance behavior of the rental income earner. The data collected were analyzed employing ANOVA, correlation and multiple regression. The research revealed a positive relationship between tax awareness, attitude towards tax, peer influence, and government incentives with tax compliances. The study findings depict that the taxpayers’ awareness and perception towards tax are important variables that affect the compliance behavior of rental taxpayers. Moreover, the results reveal that the rental income earner in Pokhara does not comply with the tax rules due to the lower cost of non-compliance as negative relationship established was found between tax compliance and the cost of non-compliance. Metropolitan tax authority needs to focus on awareness and government incentives rather than the cost of non-compliance for better adherence to tax rules among rental taxpayers.","PeriodicalId":146163,"journal":{"name":"Journal of Nepalese Business Studies","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133948436","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-12-20DOI: 10.3126/jnbs.v14i1.41498
Gunja Kumari Sah, S. Pokharel
Telecommunications have become a vital tool for the success of any business. The 21st-century telecommunication business has been described by hi-tech competition, which has brought attention to customer satisfaction. The study aimed to identify major influential dimensions that affect customer satisfaction. It was accompanied by a descriptive and causal research design and used a structured questionnaire as a survey instrument of the service quality (SERVQUAL) model. The population of this research covered all customers of the Telecommunication industry located at Kathmandu valley, and the sample considered 400 customers through convenience sampling techniques. The survey questionnaire was set in three sections with 38 questions of various types to collect data. The result showed a noteworthy strong positive relationship between service quality dimensions and customer satisfaction. It also revealed security was the major influential dimension of customer satisfaction, followed by tangibles, assurance, and empathy. The finding of the study helps all telecommunication industries to enhance service quality and develop a strategy to increase customer satisfaction and value. Hence, it infers that security, tangibles, assurance, and empathy increase the customer's satisfaction in telecommunications services. Overall service quality dimensions are commonly considered as crucial features of customer satisfaction.
{"title":"The Effects of Telecommunication Service Quality Dimensions on Customer Satisfaction in Kathmandu Valley","authors":"Gunja Kumari Sah, S. Pokharel","doi":"10.3126/jnbs.v14i1.41498","DOIUrl":"https://doi.org/10.3126/jnbs.v14i1.41498","url":null,"abstract":"Telecommunications have become a vital tool for the success of any business. The 21st-century telecommunication business has been described by hi-tech competition, which has brought attention to customer satisfaction. The study aimed to identify major influential dimensions that affect customer satisfaction. It was accompanied by a descriptive and causal research design and used a structured questionnaire as a survey instrument of the service quality (SERVQUAL) model. The population of this research covered all customers of the Telecommunication industry located at Kathmandu valley, and the sample considered 400 customers through convenience sampling techniques. The survey questionnaire was set in three sections with 38 questions of various types to collect data. The result showed a noteworthy strong positive relationship between service quality dimensions and customer satisfaction. It also revealed security was the major influential dimension of customer satisfaction, followed by tangibles, assurance, and empathy. The finding of the study helps all telecommunication industries to enhance service quality and develop a strategy to increase customer satisfaction and value. Hence, it infers that security, tangibles, assurance, and empathy increase the customer's satisfaction in telecommunications services. Overall service quality dimensions are commonly considered as crucial features of customer satisfaction.","PeriodicalId":146163,"journal":{"name":"Journal of Nepalese Business Studies","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130085500","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-12-20DOI: 10.3126/jnbs.v14i1.41486
Shashi Kant Chaudhary
Vietnam’s policy of openness to trade and investment has made it integrated very quickly with the global production networks, also known as global value chains, which has brought many visible fortunes to it in terms of socio-economic achievements. To have a deeper insight into the prospects and constraints of its integration into global value chains, and also to assess its degree of integration, this paper has employed Koopman et al. (2010) approach to measure the participation index, and position index. The analysis shows that the participation of Vietnam in global value chains has increased significantly in the last two decades based on strengthening FDI-led exports of Vietnam. It also shows that most of the exporting industries are located in the middle-stream in the value curve and are net buyers of intermediate products for exports, which infers the presence of predominant I2E practices in Vietnam. The paper also identifies and assesses the risk I2E practices are prone to. Scenario analysis suggests that Vietnam shall focus on upskilling of its labour force and developing indigenous industrial base. In the meantime, domestic firms shall be encouraged to collaborate with foreign firms and densify into global value chains.
越南对贸易和投资的开放政策使其迅速融入全球生产网络，也被称为全球价值链，这在社会经济成就方面给越南带来了许多看得见的财富。为了更深入地了解其融入全球价值链的前景和制约因素，并评估其整合程度，本文采用Koopman et al.(2010)的方法来衡量参与指数和地位指数。分析表明，在过去二十年中，越南在全球价值链中的参与度在加强外国直接投资主导的越南出口的基础上显著提高。它还表明，大多数出口行业位于价值曲线的中流，是出口中间产品的净买家，这推断越南存在主要的I2E做法。本文还识别和评估了I2E实践容易产生的风险。情景分析表明，越南应把重点放在提高劳动力技能和发展本土工业基础上。同时，应鼓励国内企业与外国企业合作，密集进入全球价值链。
{"title":"Assessing Participation and Position of Vietnam in Global Value Chains","authors":"Shashi Kant Chaudhary","doi":"10.3126/jnbs.v14i1.41486","DOIUrl":"https://doi.org/10.3126/jnbs.v14i1.41486","url":null,"abstract":"Vietnam’s policy of openness to trade and investment has made it integrated very quickly with the global production networks, also known as global value chains, which has brought many visible fortunes to it in terms of socio-economic achievements. To have a deeper insight into the prospects and constraints of its integration into global value chains, and also to assess its degree of integration, this paper has employed Koopman et al. (2010) approach to measure the participation index, and position index. The analysis shows that the participation of Vietnam in global value chains has increased significantly in the last two decades based on strengthening FDI-led exports of Vietnam. It also shows that most of the exporting industries are located in the middle-stream in the value curve and are net buyers of intermediate products for exports, which infers the presence of predominant I2E practices in Vietnam. The paper also identifies and assesses the risk I2E practices are prone to. Scenario analysis suggests that Vietnam shall focus on upskilling of its labour force and developing indigenous industrial base. In the meantime, domestic firms shall be encouraged to collaborate with foreign firms and densify into global value chains.","PeriodicalId":146163,"journal":{"name":"Journal of Nepalese Business Studies","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121742212","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-12-20DOI: 10.3126/jnbs.v14i1.41485
Santosh Gyawali
This research explores if possible fraudulent financial statement is present in private commercial banks in Nepal. This study examines the viability of Beneish M-score model in detecting probable earning manipulation considering the sample of 16 private commercial banks including the joint ventures. The published annual report (income statement and balance sheet) of the year 2018 and 2019 of respective banks are used as a secondary source of information. This research employs Beneish M-score equation and threshold value -2.22 as keys to analysis. The result shows even four banks are engaging in income manipulation, the Beneish model cannot identify the deception on the financial statement. Though the given model is suggested for manufacturing companies, the researcher has used it to explore the Banks—this is the limitation of this research. Further investigation of these tools combined with other fraud detection models is suggested to discover financial manipulation and relationship with the stock market return.
{"title":"Does Model Reflect on Reality? Exploring Beneish M Score on Selected Private Commercial Banks in Nepal","authors":"Santosh Gyawali","doi":"10.3126/jnbs.v14i1.41485","DOIUrl":"https://doi.org/10.3126/jnbs.v14i1.41485","url":null,"abstract":"This research explores if possible fraudulent financial statement is present in private commercial banks in Nepal. This study examines the viability of Beneish M-score model in detecting probable earning manipulation considering the sample of 16 private commercial banks including the joint ventures. The published annual report (income statement and balance sheet) of the year 2018 and 2019 of respective banks are used as a secondary source of information. This research employs Beneish M-score equation and threshold value -2.22 as keys to analysis. The result shows even four banks are engaging in income manipulation, the Beneish model cannot identify the deception on the financial statement. Though the given model is suggested for manufacturing companies, the researcher has used it to explore the Banks—this is the limitation of this research. Further investigation of these tools combined with other fraud detection models is suggested to discover financial manipulation and relationship with the stock market return.","PeriodicalId":146163,"journal":{"name":"Journal of Nepalese Business Studies","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132073214","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-12-20DOI: 10.3126/jnbs.v14i1.41489
Subarna Bir Jbr, U. Yadav
The purpose of this paper is to explore a fit between Logistics and Supply Chain Management (LSCM) related course content and the industry needs in the Nepalese context. Since this study is undertaken using the Nepalese sample, the knowledge and skills prioritized by employers, it can be of value to educators while designing their LSCM course content. Desk-based research involving content analyses was done to understand the supply side information i.e. relative coverage of LSCM topics in business-related courses and degrees offered at selected five Nepalese Universities and for the demand side information i.e. analysis of job description of the LSCM related vacancies in the Nepalese job market over eighteen weeks. The study reveals that the inclusion of LSCM courses in the business programs at Nepalese Universities is currently negligible as none of them offered a separate program dedicated to LSCM. Besides, the LSCM courses were limited to just one course per program weighing not more than three credit hours. Instead, there seems to be an unprecedented number of business schools and colleges leaning towards more sellable traditional business degrees related to finance, marketing, human resource management, IT, and hospitality. Finally, when comparing the relative coverage of LSCM topics in the curriculum to the relative demand for such knowledge by the employers, there seems to be an over-emphasis or under-emphasis of courses related to LSCM both at the bachelors and masters level indicating a mismatch between the expectations of employers and education offered by the universities.
{"title":"A Fit between Logistics and Supply Chain Management Education and Jobs Market Need in Nepal","authors":"Subarna Bir Jbr, U. Yadav","doi":"10.3126/jnbs.v14i1.41489","DOIUrl":"https://doi.org/10.3126/jnbs.v14i1.41489","url":null,"abstract":"The purpose of this paper is to explore a fit between Logistics and Supply Chain Management (LSCM) related course content and the industry needs in the Nepalese context. Since this study is undertaken using the Nepalese sample, the knowledge and skills prioritized by employers, it can be of value to educators while designing their LSCM course content. Desk-based research involving content analyses was done to understand the supply side information i.e. relative coverage of LSCM topics in business-related courses and degrees offered at selected five Nepalese Universities and for the demand side information i.e. analysis of job description of the LSCM related vacancies in the Nepalese job market over eighteen weeks. The study reveals that the inclusion of LSCM courses in the business programs at Nepalese Universities is currently negligible as none of them offered a separate program dedicated to LSCM. Besides, the LSCM courses were limited to just one course per program weighing not more than three credit hours. Instead, there seems to be an unprecedented number of business schools and colleges leaning towards more sellable traditional business degrees related to finance, marketing, human resource management, IT, and hospitality. Finally, when comparing the relative coverage of LSCM topics in the curriculum to the relative demand for such knowledge by the employers, there seems to be an over-emphasis or under-emphasis of courses related to LSCM both at the bachelors and masters level indicating a mismatch between the expectations of employers and education offered by the universities.","PeriodicalId":146163,"journal":{"name":"Journal of Nepalese Business Studies","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-12-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134327171","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2020-12-31DOI: 10.3126/JNBS.V13I1.34706
Rashesh Vaidya
A simple moving average is one of the oldest and the simplest techniques of forecasting the trends of the stock market. The technical analysts follow mainly three types of moving averages, namely; simple, weighted, and exponential moving averages. Among these three types, as per the interest of investors, short-term and long-term time duration is used to calculate the trend using the moving average. All the mentioned moving averages are used by investors or analysts to predict the future trends of the market using historical data. Hence, for evaluating their forecasting accuracy, the paper has used both the short-term and the long-term moving average. The paper has used the NEPSE (closing) index values to calculate as well as plotted the moving averages to forecast the future trend and its accuracy with the help of Mean Absolute Percentage Error (MAPE). The paper found that there is a better crossover in the graphical representation of the moving average in the long-term moving average. In context to the Nepalese stock market, the MAPE results reflected a weekly (5-trading days) 5-SMA analysis of the market movement as the most relevant in short-term forecasting. Similarly, using the technique of moving average, 200-SMA (200-trading days of a year) was seen as the most effective to forecast long-term trends. The result of the long-term moving average MAPE pointed out that the annual reports of the listed companies better determine the trend of the market.
{"title":"Accuracy of Moving Average Forecasting for NEPSE","authors":"Rashesh Vaidya","doi":"10.3126/JNBS.V13I1.34706","DOIUrl":"https://doi.org/10.3126/JNBS.V13I1.34706","url":null,"abstract":"A simple moving average is one of the oldest and the simplest techniques of forecasting the trends of the stock market. The technical analysts follow mainly three types of moving averages, namely; simple, weighted, and exponential moving averages. Among these three types, as per the interest of investors, short-term and long-term time duration is used to calculate the trend using the moving average. All the mentioned moving averages are used by investors or analysts to predict the future trends of the market using historical data. Hence, for evaluating their forecasting accuracy, the paper has used both the short-term and the long-term moving average. The paper has used the NEPSE (closing) index values to calculate as well as plotted the moving averages to forecast the future trend and its accuracy with the help of Mean Absolute Percentage Error (MAPE). The paper found that there is a better crossover in the graphical representation of the moving average in the long-term moving average. In context to the Nepalese stock market, the MAPE results reflected a weekly (5-trading days) 5-SMA analysis of the market movement as the most relevant in short-term forecasting. Similarly, using the technique of moving average, 200-SMA (200-trading days of a year) was seen as the most effective to forecast long-term trends. The result of the long-term moving average MAPE pointed out that the annual reports of the listed companies better determine the trend of the market.","PeriodicalId":146163,"journal":{"name":"Journal of Nepalese Business Studies","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125606565","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2020-12-31DOI: 10.3126/JNBS.V13I1.34703
Bharat Ram Dhungana, R. Chapagain, Deepesh Ranabhat
The objective of this study is to examine the effects of microfinance intervention on multiple and non-multiple borrowings clients in the Gandaki province of Nepal. Further, the study aims to explore the reasons for multiple borrowings and the impact of microfinance intervention on micro-enterprise creation, total investment, profit per month, income, and saving. The research is based on primary sources of data and confined to Muktinath Biikas Bank Limited (MBBL). Microfinance clients involving MBBL for the last five or more years are the respondents, and 311 MF clients were randomly selected from 10 branches of MBBL. Both descriptive and inferential statistics have been applied to find out the effects of microfinance intervention. The key reasons behind multiple financing are forced by friends, the presence of other MFIs, insufficient loan, meeting domestic requirements, repaying other MFIs loan, lending to others at high interest, and repaying a high-interest loan. There are significant differences between multiple and non-multiple financing clients in terms of micro-enterprise creation, total investment, profit per month, and saving. The result shows that non-multiple financing clients are more likely to earn more profit, create new business, and have the potential for large-scale investment. The mean score shows that non-multiple financing clients are saving more than multiple financing clients, indicating more commitment to saving for future funds requirement to expand the business. At last, the study concluded that the performance of non-multiple financing clients is significantly better than multiple financing clients. Since multiple financing creates problems if it is not controlled properly, so microfinance institutions (MFIs) and regulatory authorities should discourage multiple borrowing practices through proper regulation, adequate supply of loans, and its productive orientation.
{"title":"Effects of Microfinance Intervention on Multiple and Non-multiple Financing Clients: A Case of Gandaki Province of Nepal","authors":"Bharat Ram Dhungana, R. Chapagain, Deepesh Ranabhat","doi":"10.3126/JNBS.V13I1.34703","DOIUrl":"https://doi.org/10.3126/JNBS.V13I1.34703","url":null,"abstract":"The objective of this study is to examine the effects of microfinance intervention on multiple and non-multiple borrowings clients in the Gandaki province of Nepal. Further, the study aims to explore the reasons for multiple borrowings and the impact of microfinance intervention on micro-enterprise creation, total investment, profit per month, income, and saving. The research is based on primary sources of data and confined to Muktinath Biikas Bank Limited (MBBL). Microfinance clients involving MBBL for the last five or more years are the respondents, and 311 MF clients were randomly selected from 10 branches of MBBL. Both descriptive and inferential statistics have been applied to find out the effects of microfinance intervention. The key reasons behind multiple financing are forced by friends, the presence of other MFIs, insufficient loan, meeting domestic requirements, repaying other MFIs loan, lending to others at high interest, and repaying a high-interest loan. There are significant differences between multiple and non-multiple financing clients in terms of micro-enterprise creation, total investment, profit per month, and saving. The result shows that non-multiple financing clients are more likely to earn more profit, create new business, and have the potential for large-scale investment. The mean score shows that non-multiple financing clients are saving more than multiple financing clients, indicating more commitment to saving for future funds requirement to expand the business. At last, the study concluded that the performance of non-multiple financing clients is significantly better than multiple financing clients. Since multiple financing creates problems if it is not controlled properly, so microfinance institutions (MFIs) and regulatory authorities should discourage multiple borrowing practices through proper regulation, adequate supply of loans, and its productive orientation.","PeriodicalId":146163,"journal":{"name":"Journal of Nepalese Business Studies","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114479043","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2020-12-31DOI: 10.3126/JNBS.V13I1.34697
Pushpa Maharjan
his paper examines the relationships between the knowledge management enablers and knowledge creation internalisation in the hospitality industry such as hotel, travel and trekking agencies in Nepal. The Nepalese hospitality industry is very competitive. Knowledge is a resource to gain a competitive advantage in this sector. It requires obtaining comprehensive information on how knowledge is managed and utilized in the hospitality industry. It is also necessary to examine the organisational culture, structure, information technology and knowledge creation internalisation that are essential in managing the performance in the hospitality industry to make it more efficient. The study is based on primary data with 382 responses. The self-administered questionnaires were used to collect the perceptive opinions from the respondents. The descriptive quantitative research designs and regression analysis were applied to develop an understanding of the research issue from 38 hotels and 59 travel and trekking agencies of Nepal stationed in the capital Valley of Kathmandu. The study concludes that the key knowledge management enablers such as collaboration, trust, learning, and information technology do influence the knowledge creationinternalization positively. Managers should promote collaboration, trust, learning and information technology facilities for employees to create knowledge in organisation.
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Pub Date : 2020-12-31DOI: 10.3126/JNBS.V13I1.34702
Pitri Raj Adhikari
This paper examines the changing perception of consumers towards Nepalese insurance products. Descriptive and causal-comparative research designs are used to achieve the objectives and data are collected through a structured questionnaire from 400 respondents of Kathmandu valley and Parsa district. Descriptive statistics, as well as multiple regression models, are used to analyze the data. It is found that consumer perception (dependent variable) is positively correlated with independent variables (company loyalty, service quality, satisfaction level, company image and ease of procedures). Company image, company loyalty and satisfaction level are the most dominant factors that influence the perception of consumers towards insurance products in the context of Nepalese insurance companies. This study is an endeavor to extend the literature of changing the perception of consumers towards insurance products and it is the first to report the evidence from the combination of Kathmandu valley and Birgunj metropolitan city of Parsa district perspective.
{"title":"Perception of Consumers towards Nepalese Insurance Products","authors":"Pitri Raj Adhikari","doi":"10.3126/JNBS.V13I1.34702","DOIUrl":"https://doi.org/10.3126/JNBS.V13I1.34702","url":null,"abstract":"This paper examines the changing perception of consumers towards Nepalese insurance products. Descriptive and causal-comparative research designs are used to achieve the objectives and data are collected through a structured questionnaire from 400 respondents of Kathmandu valley and Parsa district. Descriptive statistics, as well as multiple regression models, are used to analyze the data. It is found that consumer perception (dependent variable) is positively correlated with independent variables (company loyalty, service quality, satisfaction level, company image and ease of procedures). Company image, company loyalty and satisfaction level are the most dominant factors that influence the perception of consumers towards insurance products in the context of Nepalese insurance companies. This study is an endeavor to extend the literature of changing the perception of consumers towards insurance products and it is the first to report the evidence from the combination of Kathmandu valley and Birgunj metropolitan city of Parsa district perspective.","PeriodicalId":146163,"journal":{"name":"Journal of Nepalese Business Studies","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131136815","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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