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Title : Basic Econometrics Material Type: printed text Authors: Tara Bhusal, Author Edition statement: revised ed. Publisher: Dreamland Publication Publication Date: 2016 Pagination: 380p. Size: Books Price: Rs.475 Languages : English Class number: 330.0151 Basic Econometrics [printed text] / Tara Bhusal, Author . - revised ed. . - [S.l.] : Dreamland Publication, 2016 . - 380p. ; Books.
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Title : Consumer's perception toward online shopping in Kathmandu valley Material Type: printed text Authors: Pratiksha Acharya, Author Publication Date: 2017 Pagination: 93p. Size: GRP/Thesis Accompanying material: 10/B Languages : English Abstract: Online shopping is considered to be a very helpful way of buying products through the internet. It allows customers to enjoy a wide variety of products and items not only from a specific store, but from a diverse storage that includes all kinds of items. Online shopping also provides customers with a good customer service that also occurs online. Many people around the world prefer to shop online and buy products from several brands and companies that they cannot find or are not available for purchase in their home countries. Nowadays, with the help of the new technology and the support of the internet, people from all around the world started to purchase items online by simply sitting in their homes. Most consumers form expectations of product, vendor, service and quality of the website that they patronize before engaging in online shopping activities. These expectations influence their perception and intentions to shop at a certain internet store and consequently and their decision making process and purchasing behavior.Online shopping has grown in popularity over the years, mainly because people find it convenient and easy to bargain shop from the comfort of their home or office from online stores. Shoppers can visit web stores from the comfort of their homes and shop as they sit in front of the computer.
The major objective of the study is to explore consumers’ perception towards online shopping in Kathmandu valley. The specific objectives are to find out the relationship between consumers’ perception and aspect of consumers’ perception in Kathmandu valley and to analyze the relationship between consumers’ perception and aspect of consumers’ perception in Kathmandu valley, to identify the relationship between website quality and consumers’ perception towards online shopping, to examine the relationship between product quality and consumers’ perception towards online shopping, to analyze the relationship between consumer service and consumers’ perception towards online shopping, to identify the relationship between price and consumers’ perception towards online shopping, and to identify the relationship between security and consumer's perception towards online shopping.
This study is based on primary data. The questionnaire survey is conducted to know the perception of consumer toward online shopping in Kathmandu valley. A set of questionnaire was prepared and distributed to the random individual from different occupation, different gender and different age group. The questions were designed to get the views, related information from the respondents. Data were collected using well formulated and structured questionnaires. The questionnaire is self-adjusted, validated and pre-tested. The respondents represent 260 individuals of different occupation: student, self-employed, job holders and housewives; and questionnaires response were collected. The information related to consumer perception using proxies such as website quality, product quality, convenience, price and security were also administered through questionnaires. Descriptive statistics, correlation coefficient and a step wise regression method is applied to estimate the relationship between dependent variables consumer perception independent variables i.e. website quality, product quality, convenience, price and security. The collected data has been processed with the use of SPSS Statistical package. Therefore, different statistical tests of significance for validation of model such as t-test, F-test and R-square test were also used.
The major conclusion of this study is that consumer perception has positive relationship with all independent variables. The results show that website quality is positively related to the consumer’s perception. This indicates that higher the website quality, higher would be the consumer’s perception. Likewise, the result indicates that there is positive relationship between product quality and consumer’s perception indicating increase in the level of product quality leads to increase in consumer’s perception. The result also shows convenience is positively related to consumer’s perception. This indicates that higher the consumer service and convenience to consumer, higher would be the consumer’s perception towards online shopping. Likewise, lower in price leads to increase in consumer’s perception. Similarly, the result shows that there is positive relationship between price and consumers’ perception. This indicates that lower and affordable the price of the product in the online shopping higher will be the consumers’ perception toward online shopping. Similarly, the result shows that there is positive relationship between security and consumers’ perception. This mean that higher the security level regarding personal information, payment system, etc. in online shopping, higher would be the consumer’s perception towards online shopping. Recommendations are given on the basis of the findings of the study.
Consumer's perception toward online shopping in Kathmandu valley [printed text] / Pratiksha Acharya, Author . - 2017 . - 93p. ; GRP/Thesis + 10/B.
Languages : English
Abstract: Online shopping is considered to be a very helpful way of buying products through the internet. It allows customers to enjoy a wide variety of products and items not only from a specific store, but from a diverse storage that includes all kinds of items. Online shopping also provides customers with a good customer service that also occurs online. Many people around the world prefer to shop online and buy products from several brands and companies that they cannot find or are not available for purchase in their home countries. Nowadays, with the help of the new technology and the support of the internet, people from all around the world started to purchase items online by simply sitting in their homes. Most consumers form expectations of product, vendor, service and quality of the website that they patronize before engaging in online shopping activities. These expectations influence their perception and intentions to shop at a certain internet store and consequently and their decision making process and purchasing behavior.Online shopping has grown in popularity over the years, mainly because people find it convenient and easy to bargain shop from the comfort of their home or office from online stores. Shoppers can visit web stores from the comfort of their homes and shop as they sit in front of the computer.
The major objective of the study is to explore consumers’ perception towards online shopping in Kathmandu valley. The specific objectives are to find out the relationship between consumers’ perception and aspect of consumers’ perception in Kathmandu valley and to analyze the relationship between consumers’ perception and aspect of consumers’ perception in Kathmandu valley, to identify the relationship between website quality and consumers’ perception towards online shopping, to examine the relationship between product quality and consumers’ perception towards online shopping, to analyze the relationship between consumer service and consumers’ perception towards online shopping, to identify the relationship between price and consumers’ perception towards online shopping, and to identify the relationship between security and consumer's perception towards online shopping.
This study is based on primary data. The questionnaire survey is conducted to know the perception of consumer toward online shopping in Kathmandu valley. A set of questionnaire was prepared and distributed to the random individual from different occupation, different gender and different age group. The questions were designed to get the views, related information from the respondents. Data were collected using well formulated and structured questionnaires. The questionnaire is self-adjusted, validated and pre-tested. The respondents represent 260 individuals of different occupation: student, self-employed, job holders and housewives; and questionnaires response were collected. The information related to consumer perception using proxies such as website quality, product quality, convenience, price and security were also administered through questionnaires. Descriptive statistics, correlation coefficient and a step wise regression method is applied to estimate the relationship between dependent variables consumer perception independent variables i.e. website quality, product quality, convenience, price and security. The collected data has been processed with the use of SPSS Statistical package. Therefore, different statistical tests of significance for validation of model such as t-test, F-test and R-square test were also used.
The major conclusion of this study is that consumer perception has positive relationship with all independent variables. The results show that website quality is positively related to the consumer’s perception. This indicates that higher the website quality, higher would be the consumer’s perception. Likewise, the result indicates that there is positive relationship between product quality and consumer’s perception indicating increase in the level of product quality leads to increase in consumer’s perception. The result also shows convenience is positively related to consumer’s perception. This indicates that higher the consumer service and convenience to consumer, higher would be the consumer’s perception towards online shopping. Likewise, lower in price leads to increase in consumer’s perception. Similarly, the result shows that there is positive relationship between price and consumers’ perception. This indicates that lower and affordable the price of the product in the online shopping higher will be the consumers’ perception toward online shopping. Similarly, the result shows that there is positive relationship between security and consumers’ perception. This mean that higher the security level regarding personal information, payment system, etc. in online shopping, higher would be the consumer’s perception towards online shopping. Recommendations are given on the basis of the findings of the study.
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Barcode Call number Media type Location Section Status 382/D ACH Thesis/Dissertation MBA Junction Social Sciences Available
Title : Factors influencing the profitability of domestic and joint venture banks: a case of Nepalese commercial banks Material Type: printed text Authors: Sita Sharma, Author Publication Date: 2017 Pagination: 103p. Size: GRP/Thesis Accompanying material: 10/B Languages : English Abstract: Banking sector is the backbone of any economy and plays an important role in the economic development of a country and its financial stability. The efficiency of financial intermediation can also affect economic growth. A strong banking sector is able to confront negative shocks and contribute to the stability of the financial system (Almazari, 2014). Banks act as financial intermediaries between savers and investors. In this process, banks secure reasonable return for the savers, make funds available to the investors at a cost and earn profit(Haque& Tariq, 2012). The productivity of an economy today depends largely on the soundness of the financial system.The banking system is therefore seen as an essential part of an economy and represents one of the most important components of a nation’s capital. In their basic roles, commercial banks serve as financial intermediaries between savers and investors, are the means through which the central bank (government) implements its monetary policy, and they serve as the main medium of payment for businesses (Opoku-Agyemang, 2015).
Determinants of bank profitability can be split into internal and external factors. Internal determinants of bank profitability can be defined as those factors that are influenced by the bank’s management decisions and policy objectives. External determinants of bank profitability are concerned with those factors that are not influenced by the bank’s management decisions and policies, by events outside the influence of the bank (Staikouras & Wood, 2004). Economies that have a profitable banking sector are better able to withstand negative shocks and contribute to the stability of the financial system (Panayiotiset al.,2005).
This study attempts to explore the factor influencing the profitability of selected commercial banks in context of Nepal. This study is based on the secondary data for 20 commercial banks with 120 observations for the period of 2010/11 to 2015/16. The data and information are collected from various issues of Banking and Financial Statistics, Bank Supervision Report published by NRB and annual reports of the selected commercial banks. The research design adopted in this study is descriptive and causal comparative research design as this study examines the impact of capital adequacy ratio, bank size, liquidity ratio, interest rate spread, non-performing loan ratio and debt to equity ratio and on performance of Nepalese commercial banks.
The result shows that the average return on asset is highest for ADBL (2.90 percent) and lowest for JBNL (0.62 percent). SCBL has the highest average Tobin’s Q (1.80 times) and ADBL has the lowest (0.98 times). The average capital adequacy is highest for JBNL (18.47 percent) and lowest for NBL(0.95) percent. Similarly, average bank size is highest for EBL (Rs. 25.50 billion) and lowest for JBNL (Rs. 23.46 billion). The average liquidity ratio is highest for SCBL with a mean of 31.27 percent and ADBL has the lowest liquidity ratio with a mean of 8.21 percent. Likewise, average interest rate spread is highest for NBL with a mean of 6.43 percent and JBNL has the lowest interest rate spread with a mean of 2.84 percent. The average non-performing loan ratio is highest for NBBL with a mean of 14.48 percent and SBL has the lowest liquidity ratio with a mean of 0.13 percent. The average debt to equity ratio is highest for NSBI with a mean of 15.93 times and SIDBL has the lowest debt to equity ratio with a mean of -1.62 times.
The descriptive statistics for the domestic banks reveals that the average return on assets, Tobin’s Q, capital adequacy ratio, bank size, liquidity ratio, interest rate spread, non-performing loan ratio and debt to equity ratio is 1.40 percent, 1.17 times, 12.49 percent, Rs. 24.37 billion, 16.45 percent, 4.31 percent, 2.29 percent and7.90 times respectively. Similarly, the descriptive statistics for the joint venture banks reveals that the average return on assets, Tobin’s Q, capital adequacy ratio, bank size, liquidity ratio, interest rate spread, non-performing loan ratio and debt to equity ratio is 2.04 percent, 1.41 times, 11.95 percent, Rs. 24.80 billion, 19.25 percent, 4.40 percent, 3.45 percent and12.86 times respectively.
The correlation matrix for the joint venture banks revealed that capital adequacy, liquidity ratio and interest rate spread are positively related with return on assets. Likewise, there is negative relationship of bank size, non-performing loan ratio and debt to equity ratio with return on assets.
Similarly, the correlation matrix for the joint venture banks revealed that capital adequacy, bank size, liquidity ratio and interest rate spread are positively related with Tobin’s Q. Likewise, there is negative relationship of non-performing loan ratio and debt to equity ratio with Tobin’s Q. On the other hand, the correlation matrix for the domestic banks revealed that capital adequacy, bank size, interest rate spread, non-performing loan ratio and debt to equity ratio are positively related with return on assets. Likewise, there is negative relationship of liquidity ratio with return on assets.Similarly, the correlation matrix for the joint venture banks revealed that capital adequacy ratio, bank size, liquidity ratio and debt to equity ratio are positively related with Tobin’s Q. Likewise, there is negative relationship of interest rate spread and non-performing loan ratio with Tobin’s Q.
The regression results indicate that capital adequacy ratio and liquidity ratio have positive impact on return on assets in case of both joint venture banks and domestic banks. Similarly, bank size has negative impact on return on assets for joint venture banks. However, results show that bank size has positive and significant impact on banks performance in the case of domestic banks. This study also reveals that non-performing loan ratio and debt to equity ratiohas negative impact on the return on assets for both joint venture and domestic banks. Likewise, results show that the capital adequacy ratio, bank size, liquidity ratio, non-performing loan ratio and interest rate spread have positive impact on Tobin’s Q for joint venture banks. However, results shows that the debt to equity ratio has negative impact on Tobin’s Q. Similarly, capital adequacy ratio, bank size, liquidity ratio and debt to equity ratiohave positive impact on Tobins Q for domestic banks. However, results shows that theinterest rate spread and non-performing loanratio have negative impact on Tobin’s Q.
Factors influencing the profitability of domestic and joint venture banks: a case of Nepalese commercial banks [printed text] / Sita Sharma, Author . - 2017 . - 103p. ; GRP/Thesis + 10/B.
Languages : English
Abstract: Banking sector is the backbone of any economy and plays an important role in the economic development of a country and its financial stability. The efficiency of financial intermediation can also affect economic growth. A strong banking sector is able to confront negative shocks and contribute to the stability of the financial system (Almazari, 2014). Banks act as financial intermediaries between savers and investors. In this process, banks secure reasonable return for the savers, make funds available to the investors at a cost and earn profit(Haque& Tariq, 2012). The productivity of an economy today depends largely on the soundness of the financial system.The banking system is therefore seen as an essential part of an economy and represents one of the most important components of a nation’s capital. In their basic roles, commercial banks serve as financial intermediaries between savers and investors, are the means through which the central bank (government) implements its monetary policy, and they serve as the main medium of payment for businesses (Opoku-Agyemang, 2015).
Determinants of bank profitability can be split into internal and external factors. Internal determinants of bank profitability can be defined as those factors that are influenced by the bank’s management decisions and policy objectives. External determinants of bank profitability are concerned with those factors that are not influenced by the bank’s management decisions and policies, by events outside the influence of the bank (Staikouras & Wood, 2004). Economies that have a profitable banking sector are better able to withstand negative shocks and contribute to the stability of the financial system (Panayiotiset al.,2005).
This study attempts to explore the factor influencing the profitability of selected commercial banks in context of Nepal. This study is based on the secondary data for 20 commercial banks with 120 observations for the period of 2010/11 to 2015/16. The data and information are collected from various issues of Banking and Financial Statistics, Bank Supervision Report published by NRB and annual reports of the selected commercial banks. The research design adopted in this study is descriptive and causal comparative research design as this study examines the impact of capital adequacy ratio, bank size, liquidity ratio, interest rate spread, non-performing loan ratio and debt to equity ratio and on performance of Nepalese commercial banks.
The result shows that the average return on asset is highest for ADBL (2.90 percent) and lowest for JBNL (0.62 percent). SCBL has the highest average Tobin’s Q (1.80 times) and ADBL has the lowest (0.98 times). The average capital adequacy is highest for JBNL (18.47 percent) and lowest for NBL(0.95) percent. Similarly, average bank size is highest for EBL (Rs. 25.50 billion) and lowest for JBNL (Rs. 23.46 billion). The average liquidity ratio is highest for SCBL with a mean of 31.27 percent and ADBL has the lowest liquidity ratio with a mean of 8.21 percent. Likewise, average interest rate spread is highest for NBL with a mean of 6.43 percent and JBNL has the lowest interest rate spread with a mean of 2.84 percent. The average non-performing loan ratio is highest for NBBL with a mean of 14.48 percent and SBL has the lowest liquidity ratio with a mean of 0.13 percent. The average debt to equity ratio is highest for NSBI with a mean of 15.93 times and SIDBL has the lowest debt to equity ratio with a mean of -1.62 times.
The descriptive statistics for the domestic banks reveals that the average return on assets, Tobin’s Q, capital adequacy ratio, bank size, liquidity ratio, interest rate spread, non-performing loan ratio and debt to equity ratio is 1.40 percent, 1.17 times, 12.49 percent, Rs. 24.37 billion, 16.45 percent, 4.31 percent, 2.29 percent and7.90 times respectively. Similarly, the descriptive statistics for the joint venture banks reveals that the average return on assets, Tobin’s Q, capital adequacy ratio, bank size, liquidity ratio, interest rate spread, non-performing loan ratio and debt to equity ratio is 2.04 percent, 1.41 times, 11.95 percent, Rs. 24.80 billion, 19.25 percent, 4.40 percent, 3.45 percent and12.86 times respectively.
The correlation matrix for the joint venture banks revealed that capital adequacy, liquidity ratio and interest rate spread are positively related with return on assets. Likewise, there is negative relationship of bank size, non-performing loan ratio and debt to equity ratio with return on assets.
Similarly, the correlation matrix for the joint venture banks revealed that capital adequacy, bank size, liquidity ratio and interest rate spread are positively related with Tobin’s Q. Likewise, there is negative relationship of non-performing loan ratio and debt to equity ratio with Tobin’s Q. On the other hand, the correlation matrix for the domestic banks revealed that capital adequacy, bank size, interest rate spread, non-performing loan ratio and debt to equity ratio are positively related with return on assets. Likewise, there is negative relationship of liquidity ratio with return on assets.Similarly, the correlation matrix for the joint venture banks revealed that capital adequacy ratio, bank size, liquidity ratio and debt to equity ratio are positively related with Tobin’s Q. Likewise, there is negative relationship of interest rate spread and non-performing loan ratio with Tobin’s Q.
The regression results indicate that capital adequacy ratio and liquidity ratio have positive impact on return on assets in case of both joint venture banks and domestic banks. Similarly, bank size has negative impact on return on assets for joint venture banks. However, results show that bank size has positive and significant impact on banks performance in the case of domestic banks. This study also reveals that non-performing loan ratio and debt to equity ratiohas negative impact on the return on assets for both joint venture and domestic banks. Likewise, results show that the capital adequacy ratio, bank size, liquidity ratio, non-performing loan ratio and interest rate spread have positive impact on Tobin’s Q for joint venture banks. However, results shows that the debt to equity ratio has negative impact on Tobin’s Q. Similarly, capital adequacy ratio, bank size, liquidity ratio and debt to equity ratiohave positive impact on Tobins Q for domestic banks. However, results shows that theinterest rate spread and non-performing loanratio have negative impact on Tobin’s Q.
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Barcode Call number Media type Location Section Status 383/D SHA Thesis/Dissertation MBA Junction Social Sciences Not for loan
Title : Impact of marketing strategies on bank performance in Nepalese commercial banks Material Type: printed text Authors: Dammer Binadi, Author Publication Date: 2018 Pagination: 85p. Size: GRP/Thesis Languages : English Abstract: Banking sector business in Nepal is most competitive sector where marketing strategies one of the important tools to get competitive advantage in the market. There are marketing mix including product, price, place, promotion and people. Marketing strategy helps you create products and services with the best chances for making a profit. This is because marketing strategy starts with marketplace research, taking into consideration your optimal target customer, what your competition is doing and what trends might be on the horizon. Using this information, you determine the benefit customers and clients want, what they’re willing to pay and how you can differentiate your product or service from the competition. When you have a marketing strategy, your departments can better work with each other, because they are all working from the same plan. For example, your advertising people will talk with your product development people to determine what message you should send about your benefit. Your sales people will talk with the people responsible for managing your image to determine if they can offer discounts, coupons or rebates without damaging your brand. Marketing strategies are tools of organizations and it is a key indicator for organization to achieve its goals.
This study investigates the impact of marketing strategies on bank performance of Nepalese commercial banks. The study has employed descriptive and causal comparative research design to estimate the relationship between dependent variable such as return on asset and return on equity with independent variables (product, price, place, promotion and people). The study is based on primary sources of data as well secondary data. The primary data are used to extract the information about marketing strategies tools on bank performance of Nepalese commercial banks. Altogether 15 commercial banks were selected for the study and total of 180 questionnaires were collected. To achieve the purpose of the study structured questionnaire was prepared.
The study shows that product, price, place, promotion and people have positive effect on return on assets. Likewise, product, price, place, promotion and people have positive impact on return on equity. The study also reveals that effective marketing strategies have a significant and positive impact on the profitability of Nepalese commercial banks. Similarly, the results of the study suggest that management should realize the importance of marketing strategies for getting competitive advantage in the market.Therefore, the study concludes that marketing strategies in the form of product, price place, promotion and people.it will trend to increase the firm performance
Impact of marketing strategies on bank performance in Nepalese commercial banks [printed text] / Dammer Binadi, Author . - 2018 . - 85p. ; GRP/Thesis.
Languages : English
Abstract: Banking sector business in Nepal is most competitive sector where marketing strategies one of the important tools to get competitive advantage in the market. There are marketing mix including product, price, place, promotion and people. Marketing strategy helps you create products and services with the best chances for making a profit. This is because marketing strategy starts with marketplace research, taking into consideration your optimal target customer, what your competition is doing and what trends might be on the horizon. Using this information, you determine the benefit customers and clients want, what they’re willing to pay and how you can differentiate your product or service from the competition. When you have a marketing strategy, your departments can better work with each other, because they are all working from the same plan. For example, your advertising people will talk with your product development people to determine what message you should send about your benefit. Your sales people will talk with the people responsible for managing your image to determine if they can offer discounts, coupons or rebates without damaging your brand. Marketing strategies are tools of organizations and it is a key indicator for organization to achieve its goals.
This study investigates the impact of marketing strategies on bank performance of Nepalese commercial banks. The study has employed descriptive and causal comparative research design to estimate the relationship between dependent variable such as return on asset and return on equity with independent variables (product, price, place, promotion and people). The study is based on primary sources of data as well secondary data. The primary data are used to extract the information about marketing strategies tools on bank performance of Nepalese commercial banks. Altogether 15 commercial banks were selected for the study and total of 180 questionnaires were collected. To achieve the purpose of the study structured questionnaire was prepared.
The study shows that product, price, place, promotion and people have positive effect on return on assets. Likewise, product, price, place, promotion and people have positive impact on return on equity. The study also reveals that effective marketing strategies have a significant and positive impact on the profitability of Nepalese commercial banks. Similarly, the results of the study suggest that management should realize the importance of marketing strategies for getting competitive advantage in the market.Therefore, the study concludes that marketing strategies in the form of product, price place, promotion and people.it will trend to increase the firm performance
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Barcode Call number Media type Location Section Status 481/D BIN Maps and Plans MBA Junction Social Sciences Available
Title : Impact of micro-finance institutions on economic growth of Nepal Material Type: printed text Authors: Sudhan Kumar Oli, Author Publication Date: 2017 Pagination: 88p. Size: GRP/Thesis Accompanying material: 11/B Languages : English Abstract: Banks primarily involve in financial intermediation activities in an economy. Increasing returns and minimizing risk simultaneously has always been a challenge for the banks as well as the regulatory bodies in the banking industry. Banks nowadays not only involve in credit creation and generate interest income but also do involve in other fee generating activities like: bank guarantee, remittance, foreign exchanges, insurance agencies and so on. These income sources are termed as noninterest incomes in banking and have been contributing to generate higher return and reduce earnings volatility.Non-interest income is considered an important source of diversification for the banks (Huang and Chen, 2006). Income diversification is creating pool of income sources so as to have higher and stable flow of income resulting to higher risk adjusted performances.
This study attempts to examine an impact of income diversification on the risk return trade off in the Nepalese commercial banks. The study is based on the secondary data which are gathered for 20 Nepalese commercial banks with 140 observations for the period of 7 years from 2009/10 to 2015/16. The secondary data are collected from the Banking and Financial Statistics and Bank Supervision Report published by Nepal Rastra Bank and annual reports of the selected commercial banks.The research design adopted in this study is descriptive and causal comparative research design. Therefore, s regression models are estimated to test the significance and importance of income diversification variables on the risk adjusted performance of Nepalese commercial banks.
The result shows that average risk adjusted return on assets is highest for the EBL (10.65) and lowest for MBL (1.21). The average risk adjusted return on equity is highest for the NSBI (8.10) and lowest for MBL (1.18). The average noninterest income is highest for NABIL (Rs. 1091.01 in million) and lowest for NCC (Rs. 176.42 million). ADBL has highest average Herfindahl-Hirschman Index–HHI (0.775) and NBBL has lowest average Herfindahl-Hirschman Index–HHI (0.553). ADBL has highest average equity ratio (18.334 percentage) and NSBI has lowest average equity ratio (7.118 percentage). The average loan ratio is highest for SBL (74.106 percentage) and lowest for SCBL (45.432 percentage). The average total assets (size) are highest for NABIL (82.461 billion) and lowest for NCC (22.858 billion).
The descriptive analysis shows that the average risk adjusted return of assets is 4.28, and risk adjusted return on equity are 3.96 of selected commercial banks. The results also show that the average noninterest income, HHI, equity ratio, loan ratio and size of bank are 0.51 billion, 0.64, 9.96 percent, 65.48 percent and Rs. 46.38 billion respectively for selected commercial banks.
The correlation matrix shows that noninterest income, Herfindahl Hirschman Index-HHI, foreign ownership and bank size have positive relationship with the risk adjusted return on assets whereas equity ratio and loan ratio have negative relationship with the risk adjusted return on assets. The result shows that noninterest income and Herfindahl Hirschman Index-HHI are positively correlated to risk adjusted return on equity. Furthermore, the foreign ownership is positively correlated to the risk adjusted return on equity. However, equity ratio and loan ratio are negatively related to risk adjusted return on equity.
The regression analysis shows that noninterest income has a significant and positive impact on risk adjusted return on assets indicating that higher the noninterest income, higher will be the risk adjusted return on assets. Likewise, HHI and foreign ownership have positive impact on risk adjusted return on assets which means higher the HHI and foreign ownership, higher will be the risk adjusted return on assets.The positive beta coefficient of non-interest income concludes that higher the non interest income, higher would be the risk adjusted return on equity while the negative beta coefficients of equity ratio and loan ratio concludes that higher the equity ratio and loan ratio, lower would be the risk adjusted return on equity.
Similarly, the beta coefficients are positive for HHI and foreign ownership which indicates that higher the HHI and foreign ownership, higher would be the risk adjusted return on equity. However, the results show that bank size has negative impact of the risk adjusted return on equity which indicates that bigger the bank’s size, lower would be risk adjusted return on equity.The regression results also reveal that foreign banks are more diversified than domestic banks in terms of non-interest income sources and HHI resulting higher risk adjusted ROA.The beta coefficient of income diversification, HHI, is positive and highly significant on risk adjusted ROE for the foreign banks comparing to domestic banks. The study concludes that income diversification-HHI followed noninterest income, equity to total assets ratio and foreign ownership are the most dominant factors that affect the risk return trade off in the context of Nepalese commercial banks.
Impact of micro-finance institutions on economic growth of Nepal [printed text] / Sudhan Kumar Oli, Author . - 2017 . - 88p. ; GRP/Thesis + 11/B.
Languages : English
Abstract: Banks primarily involve in financial intermediation activities in an economy. Increasing returns and minimizing risk simultaneously has always been a challenge for the banks as well as the regulatory bodies in the banking industry. Banks nowadays not only involve in credit creation and generate interest income but also do involve in other fee generating activities like: bank guarantee, remittance, foreign exchanges, insurance agencies and so on. These income sources are termed as noninterest incomes in banking and have been contributing to generate higher return and reduce earnings volatility.Non-interest income is considered an important source of diversification for the banks (Huang and Chen, 2006). Income diversification is creating pool of income sources so as to have higher and stable flow of income resulting to higher risk adjusted performances.
This study attempts to examine an impact of income diversification on the risk return trade off in the Nepalese commercial banks. The study is based on the secondary data which are gathered for 20 Nepalese commercial banks with 140 observations for the period of 7 years from 2009/10 to 2015/16. The secondary data are collected from the Banking and Financial Statistics and Bank Supervision Report published by Nepal Rastra Bank and annual reports of the selected commercial banks.The research design adopted in this study is descriptive and causal comparative research design. Therefore, s regression models are estimated to test the significance and importance of income diversification variables on the risk adjusted performance of Nepalese commercial banks.
The result shows that average risk adjusted return on assets is highest for the EBL (10.65) and lowest for MBL (1.21). The average risk adjusted return on equity is highest for the NSBI (8.10) and lowest for MBL (1.18). The average noninterest income is highest for NABIL (Rs. 1091.01 in million) and lowest for NCC (Rs. 176.42 million). ADBL has highest average Herfindahl-Hirschman Index–HHI (0.775) and NBBL has lowest average Herfindahl-Hirschman Index–HHI (0.553). ADBL has highest average equity ratio (18.334 percentage) and NSBI has lowest average equity ratio (7.118 percentage). The average loan ratio is highest for SBL (74.106 percentage) and lowest for SCBL (45.432 percentage). The average total assets (size) are highest for NABIL (82.461 billion) and lowest for NCC (22.858 billion).
The descriptive analysis shows that the average risk adjusted return of assets is 4.28, and risk adjusted return on equity are 3.96 of selected commercial banks. The results also show that the average noninterest income, HHI, equity ratio, loan ratio and size of bank are 0.51 billion, 0.64, 9.96 percent, 65.48 percent and Rs. 46.38 billion respectively for selected commercial banks.
The correlation matrix shows that noninterest income, Herfindahl Hirschman Index-HHI, foreign ownership and bank size have positive relationship with the risk adjusted return on assets whereas equity ratio and loan ratio have negative relationship with the risk adjusted return on assets. The result shows that noninterest income and Herfindahl Hirschman Index-HHI are positively correlated to risk adjusted return on equity. Furthermore, the foreign ownership is positively correlated to the risk adjusted return on equity. However, equity ratio and loan ratio are negatively related to risk adjusted return on equity.
The regression analysis shows that noninterest income has a significant and positive impact on risk adjusted return on assets indicating that higher the noninterest income, higher will be the risk adjusted return on assets. Likewise, HHI and foreign ownership have positive impact on risk adjusted return on assets which means higher the HHI and foreign ownership, higher will be the risk adjusted return on assets.The positive beta coefficient of non-interest income concludes that higher the non interest income, higher would be the risk adjusted return on equity while the negative beta coefficients of equity ratio and loan ratio concludes that higher the equity ratio and loan ratio, lower would be the risk adjusted return on equity.
Similarly, the beta coefficients are positive for HHI and foreign ownership which indicates that higher the HHI and foreign ownership, higher would be the risk adjusted return on equity. However, the results show that bank size has negative impact of the risk adjusted return on equity which indicates that bigger the bank’s size, lower would be risk adjusted return on equity.The regression results also reveal that foreign banks are more diversified than domestic banks in terms of non-interest income sources and HHI resulting higher risk adjusted ROA.The beta coefficient of income diversification, HHI, is positive and highly significant on risk adjusted ROE for the foreign banks comparing to domestic banks. The study concludes that income diversification-HHI followed noninterest income, equity to total assets ratio and foreign ownership are the most dominant factors that affect the risk return trade off in the context of Nepalese commercial banks.
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Barcode Call number Media type Location Section Status 385/D OLI Thesis/Dissertation MBA Junction Social Sciences Available
Title : Impact of monetary policy and fiscal policy on economic growth : evidance from Nepal Material Type: printed text Authors: Bal Kumar Dhimal, Author Publication Date: 2017 Pagination: 72p. Size: GRP/Thesis Accompanying material: 6/B Languages : English Abstract: The central bank is responsible for the conduct of monetary policy. Central banks employs certain monetary policy instruments like bank rate, open market operation, changing reserve requirements and other selective credit control instruments. The banking system is an integral part of an economy's financial sector, perhaps contributes the most significant amounts of money supply in a country (Zaman et.all.,2014).
This study examines the impact of monetary policy and fiscal policy on economic growth of Nepal. Real gross domestic product growth rate (GDG) and GDP per capita growth (PCI) are the selected dependent variables while tax revenue, government debt, government expenditure, money supply, inflation, and open market operations are the independent variables. The main sources of data include Quarterly Economic Bulletin published by Nepal Rastra Bank, Economic Survey published by Ministry of Finance and World Development Indicators of World Bank. The study is based on the secondary data which are collected for the period of 42 years from 1974 to 2015. The time series data are used to analyze the relationship of monetary policy and fiscal policy on economic growth in Nepal.
The study shows that there is positive relationship between government expenditure and real GDP and per capita growth. This indicates that higher the government expenditure, higher would be the economic growth. The results also show that there is a positive relationship of tax revenue with real GDP and per capita growth, indicating increase in tax revenue leads to increase in economic growth. The results show that money supply and open market operations are positively related to the real GDP and per capita growth. This indicates that increase in money supply leads to increase in economic growth. Likewise, higher the open market operation, higher would be the economic growth. However, the results show that inflation has negative relationship with real GDP and per capita growth. This indicates that higher the inflation, lower would be the economic growth. The regression results show that beta coefficients are positive for tax revenue, government debt, government expenditure, money supply, inflation, and open market operations. However, the coefficients are significant only for government debt, open market operations and money supply.
Impact of monetary policy and fiscal policy on economic growth : evidance from Nepal [printed text] / Bal Kumar Dhimal, Author . - 2017 . - 72p. ; GRP/Thesis + 6/B.
Languages : English
Abstract: The central bank is responsible for the conduct of monetary policy. Central banks employs certain monetary policy instruments like bank rate, open market operation, changing reserve requirements and other selective credit control instruments. The banking system is an integral part of an economy's financial sector, perhaps contributes the most significant amounts of money supply in a country (Zaman et.all.,2014).
This study examines the impact of monetary policy and fiscal policy on economic growth of Nepal. Real gross domestic product growth rate (GDG) and GDP per capita growth (PCI) are the selected dependent variables while tax revenue, government debt, government expenditure, money supply, inflation, and open market operations are the independent variables. The main sources of data include Quarterly Economic Bulletin published by Nepal Rastra Bank, Economic Survey published by Ministry of Finance and World Development Indicators of World Bank. The study is based on the secondary data which are collected for the period of 42 years from 1974 to 2015. The time series data are used to analyze the relationship of monetary policy and fiscal policy on economic growth in Nepal.
The study shows that there is positive relationship between government expenditure and real GDP and per capita growth. This indicates that higher the government expenditure, higher would be the economic growth. The results also show that there is a positive relationship of tax revenue with real GDP and per capita growth, indicating increase in tax revenue leads to increase in economic growth. The results show that money supply and open market operations are positively related to the real GDP and per capita growth. This indicates that increase in money supply leads to increase in economic growth. Likewise, higher the open market operation, higher would be the economic growth. However, the results show that inflation has negative relationship with real GDP and per capita growth. This indicates that higher the inflation, lower would be the economic growth. The regression results show that beta coefficients are positive for tax revenue, government debt, government expenditure, money supply, inflation, and open market operations. However, the coefficients are significant only for government debt, open market operations and money supply.
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Barcode Call number Media type Location Section Status 381/D 338.947DHI Thesis/Dissertation MBA Junction Social Sciences Available
Title : Microeconomics: theory and applications Material Type: printed text Authors: Dwivedi, D.N., Author Publisher: New Delhi: Pearson Education Publication Date: 2003 Pagination: 624p Price: Rs.520 Languages : English Descriptors: Economics
Industrial management
MicroeconomicsKeywords: 'microeconomics' Class number: 338.5 Microeconomics: theory and applications [printed text] / Dwivedi, D.N., Author . - [S.l.] : New Delhi: Pearson Education, 2003 . - 624p.
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Descriptors: Economics
Industrial management
MicroeconomicsKeywords: 'microeconomics' Class number: 338.5 Hold
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Barcode Call number Media type Location Section Status 49 338.5 MIC Books MBA Junction Social Sciences Available 50 338.5 MIC Books MBA Junction Social Sciences Available
Title : The structure of sociological theory Material Type: printed text Authors: Turner, Jonathan H.; Wu, Quhui, Author Publisher: Delhi: Prem Rawat Publication Date: 1987 Pagination: 1987p Size: Book Price: Rs.480 Languages : English Descriptors: Sociology Keywords: 'sociology structure of sociology sociology theory' Class number: 301.01 The structure of sociological theory [printed text] / Turner, Jonathan H.; Wu, Quhui, Author . - [S.l.] : Delhi: Prem Rawat, 1987 . - 1987p ; Book.
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Descriptors: Sociology Keywords: 'sociology structure of sociology sociology theory' Class number: 301.01 Hold
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Barcode Call number Media type Location Section Status 215 301.01 TUR Books MBA Junction Social Sciences Available
