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Effect of human resource management practices on employee satisfaction and financial performance: a study on Nepalese commercial banks / Prathana Shrestha
Title : Effect of human resource management practices on employee satisfaction and financial performance: a study on Nepalese commercial banks Material Type: printed text Authors: Prathana Shrestha, Author Publication Date: 2015 Pagination: 70p. Size: GRP/Thesis Accompanying material: 5/B General note: Including bibilography Languages : English Descriptors: Banks
Employee satisfaction
Industrial management
Personal managementKeywords: 'employee satisfaction return on assets return on equity recruitment and selection training and development performance appraisal compensation system human resource planning' Class number: 658.303 Effect of human resource management practices on employee satisfaction and financial performance: a study on Nepalese commercial banks [printed text] / Prathana Shrestha, Author . - 2015 . - 70p. ; GRP/Thesis + 5/B.
Including bibilography
Languages : EnglishHold
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Barcode Call number Media type Location Section Status 118/D 658.303 SHR Thesis/Dissertation Uniglobe Library Technology Available Effect of human resource practices on financial performance of commercial banks of Nepal / Sneha Malla
Title : Effect of human resource practices on financial performance of commercial banks of Nepal Material Type: printed text Authors: Sneha Malla, Author Publication Date: 2016 Pagination: 79p. Size: GRP/Thesis Accompanying material: 5/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Human resource practice
Personal managementKeywords: 'return on assets return on equity human resource practices recruuitment and selection trainig and development performance appraisal and compensation' Class number: 658.303 Abstract: Human resources play an integral role in achieving an innovative and high-quality products/service. If the employees of an organization are satisfied with their jobs, the organization can achieve its goals very easily. In any organization human resource management (HRM) practices focuses on optimal utilization and management of their human resource effectively in order to achieve maximum output (Jeet, 2014). Sarker& Afroze(2014) revealed that in energetic business atmosphere, there is a need of an approach to achieve better performance and to originate and implement HRM practices. Effective development and deployment of the HRM system and its practices offers distinctive and non-imitable characteristics for a specific firm, which is termed as the sustainable competitive advantage (Guest, 2002).
Human resource determine an organization’s success in overcoming major challenges faced by today’s executives such as globalization, value chain for business competitiveness and HR services, change, attracting and retaining intellectual capital. Today’s top performing banks pay extraordinary attention to managing effectively the HR dimensions which affect employee behaviors like morale, motivation, attitude, commitment etc. (Cadle & Yeates, 2008).
The major objective of the study is to examine the effect of human resource management practices on performance of Nepalese commercial banks. The specific objectives of the study are as follows: To examine the perception of employees regarding HRM practices in Nepalese commercial banks. To identify the relationship between HRM practices and employee satisfaction in Nepalese commercial banks. To analyze the impact of HRM practices on bank performance. To find out the major HRM factors that affect the bank performance.
This study is based on primary data. Data were collected using the self-administered questionnaires. Questionnaires included a set of written questions used in order to obtain and store necessary information during the research. This study has covered different level of employees from 20 commercial banks. Employees are taken from different level of their work like assistant level, managerial level and executive level. For the analysis of HRM practices in Nepalese commercial banks, 5-point Likert questionnaires were distributed and collected response from 150 respondents.
The study found that majority of the respondents (73.33 percent) believe that human resource planning has not made the job more challenging. While, 23.33 percent of the respondents are neutral about this statement and 3 percent of the respondents believe that human resource planning has made job more challenging.The majority of the respondents (69.93 percent) agree that the policy changes have been made to encourage employee participation. While, 10 percent of the respondents are neutral about this statement, and 19.93 percent of the respondents feel that HR planning is not used as the mechanism for conflict management. The majority of the respondents (62 percent) believe that the recruitment and selection of the bank is done by quota system. While, 20 percent of the respondents are neutral about this statement, and 18 percent believed that recruitment and selection is not done by the quota system. The majority of the respondents (48.66 percent) believe that the training is conducted as per the requirement of the employees. While, 40 percent of the respondents are neutral about the statement, and 11.33 percent of the respondents believe that training is not conducted as per the requirement of the employees.
It is observed that human resource planning, recruitment and selection, training and development, performance appraisal and compensation are positively related to return on assets. Similarly, human resource planning, recruitment and selection, training and development, performance appraisal and compensation are also positively related to return on equity. It indicates that better the human resource planning, recruitment and selection, training and development policies of the banks, higher would be bank performance (ROA and ROE).It is found that beta coefficients for human resource planning, recruitment and selection, training and development, performance appraisal and compensation are positive with return on assets and return on equity significant at 5 percent percent level of significance.Effect of human resource practices on financial performance of commercial banks of Nepal [printed text] / Sneha Malla, Author . - 2016 . - 79p. ; GRP/Thesis + 5/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Human resource practice
Personal managementKeywords: 'return on assets return on equity human resource practices recruuitment and selection trainig and development performance appraisal and compensation' Class number: 658.303 Abstract: Human resources play an integral role in achieving an innovative and high-quality products/service. If the employees of an organization are satisfied with their jobs, the organization can achieve its goals very easily. In any organization human resource management (HRM) practices focuses on optimal utilization and management of their human resource effectively in order to achieve maximum output (Jeet, 2014). Sarker& Afroze(2014) revealed that in energetic business atmosphere, there is a need of an approach to achieve better performance and to originate and implement HRM practices. Effective development and deployment of the HRM system and its practices offers distinctive and non-imitable characteristics for a specific firm, which is termed as the sustainable competitive advantage (Guest, 2002).
Human resource determine an organization’s success in overcoming major challenges faced by today’s executives such as globalization, value chain for business competitiveness and HR services, change, attracting and retaining intellectual capital. Today’s top performing banks pay extraordinary attention to managing effectively the HR dimensions which affect employee behaviors like morale, motivation, attitude, commitment etc. (Cadle & Yeates, 2008).
The major objective of the study is to examine the effect of human resource management practices on performance of Nepalese commercial banks. The specific objectives of the study are as follows: To examine the perception of employees regarding HRM practices in Nepalese commercial banks. To identify the relationship between HRM practices and employee satisfaction in Nepalese commercial banks. To analyze the impact of HRM practices on bank performance. To find out the major HRM factors that affect the bank performance.
This study is based on primary data. Data were collected using the self-administered questionnaires. Questionnaires included a set of written questions used in order to obtain and store necessary information during the research. This study has covered different level of employees from 20 commercial banks. Employees are taken from different level of their work like assistant level, managerial level and executive level. For the analysis of HRM practices in Nepalese commercial banks, 5-point Likert questionnaires were distributed and collected response from 150 respondents.
The study found that majority of the respondents (73.33 percent) believe that human resource planning has not made the job more challenging. While, 23.33 percent of the respondents are neutral about this statement and 3 percent of the respondents believe that human resource planning has made job more challenging.The majority of the respondents (69.93 percent) agree that the policy changes have been made to encourage employee participation. While, 10 percent of the respondents are neutral about this statement, and 19.93 percent of the respondents feel that HR planning is not used as the mechanism for conflict management. The majority of the respondents (62 percent) believe that the recruitment and selection of the bank is done by quota system. While, 20 percent of the respondents are neutral about this statement, and 18 percent believed that recruitment and selection is not done by the quota system. The majority of the respondents (48.66 percent) believe that the training is conducted as per the requirement of the employees. While, 40 percent of the respondents are neutral about the statement, and 11.33 percent of the respondents believe that training is not conducted as per the requirement of the employees.
It is observed that human resource planning, recruitment and selection, training and development, performance appraisal and compensation are positively related to return on assets. Similarly, human resource planning, recruitment and selection, training and development, performance appraisal and compensation are also positively related to return on equity. It indicates that better the human resource planning, recruitment and selection, training and development policies of the banks, higher would be bank performance (ROA and ROE).It is found that beta coefficients for human resource planning, recruitment and selection, training and development, performance appraisal and compensation are positive with return on assets and return on equity significant at 5 percent percent level of significance.Hold
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Barcode Call number Media type Location Section Status 233/D 658.303 MAL Maps and Plans Uniglobe Library Technology Available Effect of leverage, dividend policy and profitability on value of Nepalese commecial banks / Shraddha Shrestha
Title : Effect of leverage, dividend policy and profitability on value of Nepalese commecial banks Material Type: printed text Authors: Shraddha Shrestha, Author Publication Date: 2016 Pagination: 80p. Size: GRP/Thesis Accompanying material: 5/B General note: Including Bibilography Languages : English Descriptors: Banks
Banks and banking
Dividend policy
DividendsKeywords: 'dividend policy banking dividends return on assets return on equity' Class number: 332.1 Abstract: Leverage, dividend policy and profitability is very important for both bank and country. It ensures the value of commercial bank. If bank fails to balance it in a proper way, it will significantly affect the bank and indirectly affect the country as well. The main purpose of this research is to analyze the effect of leverage, dividend policy and profitability on value of Nepalese commercial banks. This research had tried to investigate the internal (bank specific) that will affect decisions of dividend policy and value of firms.
A total of 14 commercial banks are chosen to represent the Nepalese commercial banks during period form 2002/03 to 2013/14. The independent variables for this research are earnings per share, price earnings ratio, book value per share, return on assets, debt to equity, size and tax.For analysis of data descriptive statistics, correlation, and regression analysis among the dependent and independent is used.This study is based on secondary data and data are collected from the annual reports of the individual bank, Nepal Rastra Bank BFIs statistics, and audited balance sheet of respective bank, published journals and books.
The correlation analysis shows that the dependent variable, market price of share is positively related to earnings per share, dividend per share, price earnings ratio, book value per share, return on assets and size, debt equity ratio, reserve and tax payable. However, the result shows that there is only significant positive relationship of earning per share and dividend per share, return on assets, size, reserve and tax with market price per share.
The linear regression model is used to examine the relationship between dependent variable, dividend per share, market price per share and independent variables, firm specific. Among the firm specific variables, return on assets, size, earning per share, book value per share and debt to equity with dividend per share,size, earning per share and reserve shows the significant positive relationship with dividend per share. The regression of firm specific variables on market price per share shows that the beta coefficients are positive and significant for earning per share, return on assets, dividend per share, size and tax. Likewise, the beta coefficient of P/E ratio is also found to be positive and but not significant.
The study shows that dividend per share is positively related with market per share and relationship is significant, which also supports the priori hypothesis of positive relationship with value of firms. The positive relationship with market value of firms indicates that increase in dividend per share leads to increase in market price per share. Return on assets, size and tax has also has significant relationship with market price per share. The positive coefficient of return on assets, size and tax to market price per share indicates increasing return on assets, size and tax contributes to increase in value of commercial banks which also support the prior hypothesis.Effect of leverage, dividend policy and profitability on value of Nepalese commecial banks [printed text] / Shraddha Shrestha, Author . - 2016 . - 80p. ; GRP/Thesis + 5/B.
Including Bibilography
Languages : English
Descriptors: Banks
Banks and banking
Dividend policy
DividendsKeywords: 'dividend policy banking dividends return on assets return on equity' Class number: 332.1 Abstract: Leverage, dividend policy and profitability is very important for both bank and country. It ensures the value of commercial bank. If bank fails to balance it in a proper way, it will significantly affect the bank and indirectly affect the country as well. The main purpose of this research is to analyze the effect of leverage, dividend policy and profitability on value of Nepalese commercial banks. This research had tried to investigate the internal (bank specific) that will affect decisions of dividend policy and value of firms.
A total of 14 commercial banks are chosen to represent the Nepalese commercial banks during period form 2002/03 to 2013/14. The independent variables for this research are earnings per share, price earnings ratio, book value per share, return on assets, debt to equity, size and tax.For analysis of data descriptive statistics, correlation, and regression analysis among the dependent and independent is used.This study is based on secondary data and data are collected from the annual reports of the individual bank, Nepal Rastra Bank BFIs statistics, and audited balance sheet of respective bank, published journals and books.
The correlation analysis shows that the dependent variable, market price of share is positively related to earnings per share, dividend per share, price earnings ratio, book value per share, return on assets and size, debt equity ratio, reserve and tax payable. However, the result shows that there is only significant positive relationship of earning per share and dividend per share, return on assets, size, reserve and tax with market price per share.
The linear regression model is used to examine the relationship between dependent variable, dividend per share, market price per share and independent variables, firm specific. Among the firm specific variables, return on assets, size, earning per share, book value per share and debt to equity with dividend per share,size, earning per share and reserve shows the significant positive relationship with dividend per share. The regression of firm specific variables on market price per share shows that the beta coefficients are positive and significant for earning per share, return on assets, dividend per share, size and tax. Likewise, the beta coefficient of P/E ratio is also found to be positive and but not significant.
The study shows that dividend per share is positively related with market per share and relationship is significant, which also supports the priori hypothesis of positive relationship with value of firms. The positive relationship with market value of firms indicates that increase in dividend per share leads to increase in market price per share. Return on assets, size and tax has also has significant relationship with market price per share. The positive coefficient of return on assets, size and tax to market price per share indicates increasing return on assets, size and tax contributes to increase in value of commercial banks which also support the prior hypothesis.Hold
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Barcode Call number Media type Location Section Status 213/D 332.1 SHR Thesis/Dissertation Uniglobe Library Social Sciences Available Effects of interest rate on deposit mobilization in Nepalese commercial Banks / Ganesh Raj Joshi
Title : Effects of interest rate on deposit mobilization in Nepalese commercial Banks Material Type: printed text Authors: Ganesh Raj Joshi, Author Publication Date: 2014 Pagination: 88p. Size: GRP/Thesis Accompanying material: 3/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Commercial banks
Interest rate
Mobilization
NepalKeywords: 'interest rate deposit mobilization banks banks and banking commercial banks nepal' Class number: 332.820 Effects of interest rate on deposit mobilization in Nepalese commercial Banks [printed text] / Ganesh Raj Joshi, Author . - 2014 . - 88p. ; GRP/Thesis + 3/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Commercial banks
Interest rate
Mobilization
NepalKeywords: 'interest rate deposit mobilization banks banks and banking commercial banks nepal' Class number: 332.820 Hold
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Barcode Call number Media type Location Section Status 47/D 332.820 JOS Books Uniglobe Library Technology Available Effects of remittances on economic growth and financial sector development in Nepal / Jyoti Kafle
Title : Effects of remittances on economic growth and financial sector development in Nepal Material Type: printed text Authors: Jyoti Kafle, Author Publication Date: 2014 Pagination: 96p. Size: GRP/Thesis Accompanying material: 2/B General note: Including bibilography Languages : English Descriptors: Banks
Banks and banking
Commercial banks
Economic development
Economic growth
NepalKeywords: 'economic growth commercial bank bank bank and banking economic development nepal' Class number: 338.9 Abstract: Remittances are the major sources of foreign exchange earnings and important implications for the remittance-recipient countries because of their increasing volume. Inflow of remittance, being a prime source of foreign currency and thereby a contribution to the national economy plays a significant role in the context of the developing nations. Since 2000, remittance inflow has been rising by an average rate of 16% per annum in the developing countries (World Bank, 2006). In recent years Nepalese economy has been named “remittance economy” as remittance constitutes almost 23% of GDP of the country (Economic Survey, 2012). Since remittance has brought macroeconomic stability by securing large chunk of foreign reserve of the country and provided income source for the households, identification of effects of remittances in economic development and financial sector in Nepal is crucial. Another critical issue with remittance in Nepal is whether growing contributions from remittance income to Nepal’s national and household economies will be sustainable. The major objective of this study is to investigate the causal relationship between foreign remittances, banking sector development and GDP for Nepal.
The review of literature has shown relationship between various factors such as money supply to GDP (M2/GDP), sum of demand, time, saving and foreign currency deposits to GDP (DEP/GDP), private sector divided by GDP (LOAN/GDP), credit provided by the banking sector to GDP (CREDIT/GDP), Capital Formation, of Openness (proxy by imports and exports to GDP), Remittance Inflows, etc. in the case of many countries.
In addition, some of the study found that remittances and banking sector development influence per capita income. It also showed that Banking sector development, as measured by the private sector credit disbursement by the banking system, is significantly affected by both remittance flow and GDP. Whereas some found that there is a long-run equilibrium relationship between GDP and remittance inflows, exchange rate, foreign direct investment, openness and capital formation. Based on the literature reviews, this study has proposed the conceptual framework indentifying remittances inflow, Gross capital formation, total trade, total deposits and other variables as the most important factors that determine the economic growth and financial sector development in the context of Nepal.
This study is based on primary as well as secondary data. This study has been used time series data to analyze the relationship between remittances and its determinants. For the purpose of study required data of dependent variables (GDP per capita, broad money supply, private sector credit, and total consumption) and independent variables (gross capital formation and its lag, total trade and its lag, foreign aid and its lag, total deposit and its lag, and also lag of all independent variables) are collected from various secondary sources for the period of 1993 to 2012.Primary survey questionnaire is conducted in order to assess the opinion of remittance receiver regarding the uses of remittances and its effect. The questionnaires used for the primary survey contain the general, yes no, tick mark, ranking, five point Likert scale and open end questions designed to assess the effects of remittances in economic growth and financial sector. Likewise, multiple regression analysis and correlation analysis are used to examine the effects of remittances on economic growth and financial sector development.
The study reveals that foreign aid and lag of GDP per capita have significant impact on GDP per capita in Nepal. Further it find out that remittance and GDP per capita are positively related but p-value shows that it is insignificant which meant that even thought they are positively related but result shows that remittance have no impact in GDP per capita. Further this study finds out that total remittance inflows are positively related with broad money supply but lag of total remittance inflows have more significant impact on broad money supply compared to total remittances inflow of current year. This study also find out that total remittance inflows as well as lagged total remittance inflows does not have any effect on private sector credit this result is contradict to the result of survey result and total remittance inflows as well as lagged total remittance inflows also does not have any effect on total consumption this result is also contradict with the findings of survey result. Remittance per capita, Gross capital formation , total trade, lag of remittance per capita ,Gross capital formation , total trade and foreign aid does not affects the GDP per capita in Nepal. The correlation analysis of Broad money supply and its determinants are positively related with Broad money supply. The correlation analysis of private sector credit and its determinants showed that the total remittances inflow and lag of total remittances inflow are positively related with private sector credit.
Based on the primary survey results, most of the respondents (97.6%) reveal that they have maintained bank account in Bank and Financial institutions. The respondent who have maintained bank account, among them most of them have maintained saving account. Likewise, the primary survey results indicate that on average majority (72%) of the respondent use official method of transaction and remaining 28% of the respondent use unofficial method of transaction. The results also indicate that the most important factor to the recipient of remittance is the Safety of remitted funds and speed to receive their money. Further it is found that remitted funds are mostly used for consumption purpose, followed by investment in different sectors, saving and lending of remitted funds. Some of the other findings of the survey are: People use unofficial method of transaction because they find it difficult to use official method, when the household started receiving remittances periodically, they will desire to store the funds safely in banks or other financial institutions. Likewise the propensity to demand other Financial Products rises with the rise in remittances. The remittance also helps to increase the cash flow in the country and the remitted money is also used in lending purpose for interest income by individual and family.
Thus, remittance inflows to Nepalese economy have positive effects on macro-economic variables and growth of country. A positive social impact can also be seen. So, the benefits associated with remittance inflows have multiplier effects driving the whole economy towards growth as remittance fuels up growth for other sectors like banking and investment, education, healthcare, construction, etc. However, still there are various cons associated with remittance economy.
The recommendation put forward by this study is that to bring recipient households into the formal financial sector is only the first step in using remittances more effectively and the banker must have to pay attractive interest rate and offer attractive scheme so, that they can receive deposit and invest in big project. The study remains enough ground for future researcher in the same topic. The future studies can be carried out by conducting research between remittances and economic growth or between remittances and financial sector development. Similarly future research can be done on effects of remittances on commercial and development banks only. Further studies are suggested to extend the survey of at least one district or development region.
Effects of remittances on economic growth and financial sector development in Nepal [printed text] / Jyoti Kafle, Author . - 2014 . - 96p. ; GRP/Thesis + 2/B.
Including bibilography
Languages : English
Descriptors: Banks
Banks and banking
Commercial banks
Economic development
Economic growth
NepalKeywords: 'economic growth commercial bank bank bank and banking economic development nepal' Class number: 338.9 Abstract: Remittances are the major sources of foreign exchange earnings and important implications for the remittance-recipient countries because of their increasing volume. Inflow of remittance, being a prime source of foreign currency and thereby a contribution to the national economy plays a significant role in the context of the developing nations. Since 2000, remittance inflow has been rising by an average rate of 16% per annum in the developing countries (World Bank, 2006). In recent years Nepalese economy has been named “remittance economy” as remittance constitutes almost 23% of GDP of the country (Economic Survey, 2012). Since remittance has brought macroeconomic stability by securing large chunk of foreign reserve of the country and provided income source for the households, identification of effects of remittances in economic development and financial sector in Nepal is crucial. Another critical issue with remittance in Nepal is whether growing contributions from remittance income to Nepal’s national and household economies will be sustainable. The major objective of this study is to investigate the causal relationship between foreign remittances, banking sector development and GDP for Nepal.
The review of literature has shown relationship between various factors such as money supply to GDP (M2/GDP), sum of demand, time, saving and foreign currency deposits to GDP (DEP/GDP), private sector divided by GDP (LOAN/GDP), credit provided by the banking sector to GDP (CREDIT/GDP), Capital Formation, of Openness (proxy by imports and exports to GDP), Remittance Inflows, etc. in the case of many countries.
In addition, some of the study found that remittances and banking sector development influence per capita income. It also showed that Banking sector development, as measured by the private sector credit disbursement by the banking system, is significantly affected by both remittance flow and GDP. Whereas some found that there is a long-run equilibrium relationship between GDP and remittance inflows, exchange rate, foreign direct investment, openness and capital formation. Based on the literature reviews, this study has proposed the conceptual framework indentifying remittances inflow, Gross capital formation, total trade, total deposits and other variables as the most important factors that determine the economic growth and financial sector development in the context of Nepal.
This study is based on primary as well as secondary data. This study has been used time series data to analyze the relationship between remittances and its determinants. For the purpose of study required data of dependent variables (GDP per capita, broad money supply, private sector credit, and total consumption) and independent variables (gross capital formation and its lag, total trade and its lag, foreign aid and its lag, total deposit and its lag, and also lag of all independent variables) are collected from various secondary sources for the period of 1993 to 2012.Primary survey questionnaire is conducted in order to assess the opinion of remittance receiver regarding the uses of remittances and its effect. The questionnaires used for the primary survey contain the general, yes no, tick mark, ranking, five point Likert scale and open end questions designed to assess the effects of remittances in economic growth and financial sector. Likewise, multiple regression analysis and correlation analysis are used to examine the effects of remittances on economic growth and financial sector development.
The study reveals that foreign aid and lag of GDP per capita have significant impact on GDP per capita in Nepal. Further it find out that remittance and GDP per capita are positively related but p-value shows that it is insignificant which meant that even thought they are positively related but result shows that remittance have no impact in GDP per capita. Further this study finds out that total remittance inflows are positively related with broad money supply but lag of total remittance inflows have more significant impact on broad money supply compared to total remittances inflow of current year. This study also find out that total remittance inflows as well as lagged total remittance inflows does not have any effect on private sector credit this result is contradict to the result of survey result and total remittance inflows as well as lagged total remittance inflows also does not have any effect on total consumption this result is also contradict with the findings of survey result. Remittance per capita, Gross capital formation , total trade, lag of remittance per capita ,Gross capital formation , total trade and foreign aid does not affects the GDP per capita in Nepal. The correlation analysis of Broad money supply and its determinants are positively related with Broad money supply. The correlation analysis of private sector credit and its determinants showed that the total remittances inflow and lag of total remittances inflow are positively related with private sector credit.
Based on the primary survey results, most of the respondents (97.6%) reveal that they have maintained bank account in Bank and Financial institutions. The respondent who have maintained bank account, among them most of them have maintained saving account. Likewise, the primary survey results indicate that on average majority (72%) of the respondent use official method of transaction and remaining 28% of the respondent use unofficial method of transaction. The results also indicate that the most important factor to the recipient of remittance is the Safety of remitted funds and speed to receive their money. Further it is found that remitted funds are mostly used for consumption purpose, followed by investment in different sectors, saving and lending of remitted funds. Some of the other findings of the survey are: People use unofficial method of transaction because they find it difficult to use official method, when the household started receiving remittances periodically, they will desire to store the funds safely in banks or other financial institutions. Likewise the propensity to demand other Financial Products rises with the rise in remittances. The remittance also helps to increase the cash flow in the country and the remitted money is also used in lending purpose for interest income by individual and family.
Thus, remittance inflows to Nepalese economy have positive effects on macro-economic variables and growth of country. A positive social impact can also be seen. So, the benefits associated with remittance inflows have multiplier effects driving the whole economy towards growth as remittance fuels up growth for other sectors like banking and investment, education, healthcare, construction, etc. However, still there are various cons associated with remittance economy.
The recommendation put forward by this study is that to bring recipient households into the formal financial sector is only the first step in using remittances more effectively and the banker must have to pay attractive interest rate and offer attractive scheme so, that they can receive deposit and invest in big project. The study remains enough ground for future researcher in the same topic. The future studies can be carried out by conducting research between remittances and economic growth or between remittances and financial sector development. Similarly future research can be done on effects of remittances on commercial and development banks only. Further studies are suggested to extend the survey of at least one district or development region.
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