This paper investigates the viability of commodity exchange in Bhutan and identifies its essential pre-conditions. Challenges and benefits are enumerated using exploratory and qualitative research with open-ended and semi-structured interviews. Bhutan represents an emerging South-Central Asian country successful emergence of which into the global arena in the last fifty years could serve as an example for other small and developing markets. The results of this study put challenges for farmers in two categories, before and after harvest. All post-harvest challenges can be addressed through an established commodity exchange and its three pre-conditions are essential to the development of commodity exchange in Bhutan.
Credit risk is one of the main risks that affects banking as well as non-banking institution in an economy. The present research work aims to evaluate credit risk management practices of Royal Insurance Corporation of Bhutan Limited and Bhutan insurance limited, currently only two insurance companies in Bhutan. Primary data using structured questionnaire is collected. Analysis of the data reveals the key area which needs appraisal and modification to improve organization’s asset quality. Among ten variables identified as obstacle in CRM tested, majority of obstacle in CRM is due to lack of risk awareness and stringent regulatory requirement which was perceived by the employees of both organizations.
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