College choice remains a crucial concern for students and parents, particularly during admissions. The decision students make about their education has far-reaching consequences for their future. This topic has been explored extensively in the literature. However, few studies have focused on institutional factors of students’ college choice decisions in Nepal. Therefore, this study examines institutional determinants/factors which are more significant in college choice decisions. Based on a survey of 385 conveniently sampled undergraduate and postgraduate business students of Pokhara University, the factor analysis results demonstrate four institutional factors: university/college reputation, quality of educational facilities, cost and financial assistance, and employment opportunities as significant factors in college choice decisions. This research aids colleges in marketing themselves to prospective students and understanding what drives individuals to pursue higher education by revealing the most significant institutional factors. Moreover, the study's limitations are discussed and suggestions for further investigation are offered.
The aim of this paper is to examine the impact of micro-credit on the small or micro-enterprises development with reference to Kaski district of Nepal. The descriptive and analytical research design is used and the research is based on the primary sources of data collected through structured questionnaires. During the study, the researchers selected 170 respondents, who were involved in the micro-credit programme in the last five or more years in the microfinance institutions, using the purposive sampling technique. The study finds that the majority of the clients are involved in agriculture and livestock and the rest are involved in the micro-business and enterprises related to service industry (such as tailoring, beauty parlor, hotel or restaurant), trade or business and small-scale manufacturing sectors. Micro-credit has a positive correlation with initial investment, revenue generation, employment generation, expansion of business and profit generation. The study also finds that micro-credit has encouraged clients to engage in the micro-business and enterprise development activities. The study recommends that it is necessary to adopt an effective utilization policy of micro-credit that may benefit both microfinance institutions for its sustainability and clients for their living standard improvement.
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.
This paper examines the impact of bank specific variables on financial performance of joint venture banks. The return on assets and return on equity are selected as bank’s performance variables for this study and these two are the dependent variables. Spread rate, size of assets, loan, deposit, liquidity and capital adequacy ratio of the firms are the independent variables. The data are collected from supervision report of Nepal Rastra Bank and annual reports of concerned six banks for 10 years from fiscal year 2008/09 to 2017/18.The pooled OLS multiple regression models are applied to test the significance and effects of bank specific variable on financial performance of Nepalese Joint Venture Banks. The result shows that there is a significant positive impact of interest rate spread on ROA and ROE of the banks. Similarly, there is significant negative impact of asset size on ROA and significant negative impact of liquidity and loan ratio on ROE of the banks.
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