Depositors knowledge and perception about deposit insurance in Nepalese commercial banks / Bikash Gajurel 

Public ISBD Title : Depositors knowledge and perception about deposit insurance in Nepalese commercial banks Material Type: printed text Authors: Bikash Gajurel, Author Publication Date: 2014 Pagination: 73p. Size: GRP/Thesis Accompanying material: 2/B General note: Including bibilography Languages : English Descriptors: Banks Banks and banking Commercial banks Deposit insurance Nepal Keywords: 'deposit insurance  depositors knowledge  commercial banks  banks  banks and banking  Nepal' Class number: 353.008 Abstract: Deposit insurance has been spreading rapidly in recent years, even to countries with low levels of financial and institutional development. The main benefit from introducing a deposit insurance scheme is to protect small and presumably uninformed depositors against bank failure. Depositors’ awareness is particularly important for newly established deposit insurance schemes. Yet, deposit insurance is unlikely to work if the depositor does not know about it or if the information or perceptions the depositor has are incorrect. Taking Nepalese bank depositors as a sample, report investigate the knowledge about existing deposit insurance systems and the perception of deposit insurance system. Major objective of the study is to assess depositors’ knowledge and perception about deposit insurance in Nepalese banking sector. To examine the perception of depositors regarding trust ,to analyze relationship between education level and knowledge of deposit insurance and to find out whether deposit insurance boost up the confidence of depositors in commercial banks are other specific objectives. This study has employed descriptive research designs to deal with issues associated with the deposit insurance and knowledge and perception of deposit insurance. A primary questionnaire survey of 200 depositors of different commercial banks has been conducted to collect the opinions on deposit insurance in Nepal. This research design was used to ascertain and understand the directions, magnitudes and forms of observed relationship between deposit insurance knowledge and perception of depositors. Hence, the research design was qualitative research design. Findings show that depositors of Nepalese banks are aware of deposit insurance system and they perceive deposit insurance as a mechanism that creates safety of public deposits. Similarly there exists a significant relationship between depositors’ knowledge and knowledge dimensions and depositors perceive their deposits are safe in commercial banks after the provision of deposit insurance. It is recommended that there are still more depositors who do not have an idea about the deposit insurance, NRB and concerned parties should raise public awareness through the available media, about the purpose, characteristics, benefits, limitations and any other information which consider relevant of the deposit insurance system. Depositors knowledge and perception about deposit insurance in Nepalese commercial banks [printed text] / Bikash Gajurel, Author . - 2014 . - 73p. ; GRP/Thesis + 2/B. Including bibilography Languages : English Descriptors: Banks Banks and banking Commercial banks Deposit insurance Nepal Keywords: 'deposit insurance  depositors knowledge  commercial banks  banks  banks and banking  Nepal' Class number: 353.008 Abstract: Deposit insurance has been spreading rapidly in recent years, even to countries with low levels of financial and institutional development. The main benefit from introducing a deposit insurance scheme is to protect small and presumably uninformed depositors against bank failure. Depositors’ awareness is particularly important for newly established deposit insurance schemes. Yet, deposit insurance is unlikely to work if the depositor does not know about it or if the information or perceptions the depositor has are incorrect. Taking Nepalese bank depositors as a sample, report investigate the knowledge about existing deposit insurance systems and the perception of deposit insurance system. Major objective of the study is to assess depositors’ knowledge and perception about deposit insurance in Nepalese banking sector. To examine the perception of depositors regarding trust ,to analyze relationship between education level and knowledge of deposit insurance and to find out whether deposit insurance boost up the confidence of depositors in commercial banks are other specific objectives. This study has employed descriptive research designs to deal with issues associated with the deposit insurance and knowledge and perception of deposit insurance. A primary questionnaire survey of 200 depositors of different commercial banks has been conducted to collect the opinions on deposit insurance in Nepal. This research design was used to ascertain and understand the directions, magnitudes and forms of observed relationship between deposit insurance knowledge and perception of depositors. Hence, the research design was qualitative research design. Findings show that depositors of Nepalese banks are aware of deposit insurance system and they perceive deposit insurance as a mechanism that creates safety of public deposits. Similarly there exists a significant relationship between depositors’ knowledge and knowledge dimensions and depositors perceive their deposits are safe in commercial banks after the provision of deposit insurance. It is recommended that there are still more depositors who do not have an idea about the deposit insurance, NRB and concerned parties should raise public awareness through the available media, about the purpose, characteristics, benefits, limitations and any other information which consider relevant of the deposit insurance system.

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Barcode	Call number	Media type	Location	Section	Status
55/D	353.008 GAJ	Thesis/Dissertation	Uniglobe Library	Social Sciences	Available

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