This study surveys 436 college students to examine their financial literacy; the impact of demographic, educational and personality characteristics on financial literacy. Mean, ANOVA and logistic regression were used in carrying out analysis. Results show that most of the students have basic level of financial knowledge but they lack in understanding of credit, taxes, share market, financial statement and insurance. Students are highly influenced by their parents at home and they have positive attitude towards savings. The study further identified income, age, stream of education, types of college, and attitude of students as determinants of financial knowledge; and financial knowledge is unaffected by gender, university affiliation, financial behavior and influence. It is concluded that college students have basic level of financial knowledge. However, overall financial knowledge of the students is affected by some of their demographic, educational and personality characteristics.

Unlike previous coronaviruses infections, COVID-19 has badly affected not only the health of people but also the socioeconomic activities of Nepal. It would help the government of Nepal to manage this crisis if a proper mechanism to predict COVID cases has been developed. This study aims to look for patterns of confirmed, recovery and death cases. Moreover, it tries to check whether Gompertz and Logistic model would be able to read the patterns of total confirmed and death cases. It also forecasts the total number of confirmed as well as death cases. Data from January 23, 2020 to October 30, 2020 obtained from the website of Wikipedia are used for analysis. Gompertz and Logistic models were fitted to the total number of confirmed and death cases and models are compared based on various criteria. Besides, an automatic ARIMA model was used to predict cumulative confirmed and death cases and the accuracy of the model was also checked. ARIMA model forecasted 347,812 confirmed cases and 1,754 death cases till December 31, 2020. At 95 % confidence interval, the confirmed cases were expected between 273,889 and 421,734 whereas death cases were estimated from 1,387 to 2,119. Both models were fitted well in both total confirmed cases and total death cases. It was found that the Logistic model fits better in total confirmed cases whereas in total death cases, the Gompertz model was better. ARIMA model precisely forecasted the number of confirmed and death cases.

Personal financial planning is a tool that allows individuals to evaluate their current monetary situation, design strategies and implement them to achieve financial goals. This paper aims to analyse the determinants of financial planning of business graduates in Nepal. It examined the impact of financial attitude, financial awareness and financial knowledge on financial planning in the presence of gender, monthly income, family type, and marital status as control variables. A full-fledged questionnaire was used in the survey among 227 business graduates through email. Hierarchical multiple regression was used for the causal analysis. The findings revealed that financial attitude and financial awareness have significant impact on personal financial planning while financial knowledge does not. But surprisingly, none of the control variables were found significant in influencing personal financial planning. Hence, attitude and awareness towards the monetary aspects of life of business graduates are major determinants of their personal financial planning in Nepal.

Background: Nepal has been importing some of goods and services from other countries and is also capable of exporting some other goods and services to foreign countries. Because of over dependency on foreign goods, Nepal has been suffering from trade deficit for more than 45 years. Objective: This study aims to investigate the relationship of trade deficit in Nepal with its determinants by using econometric analysis where exchange rate, real gross domestic product and foreign direct investment are taken as determinants of trade deficit. Its main objective is to examine the long-run, short-run and causal relationship among the variables. Materials and Methods: Annual time series data from 1974/75 (from 1988/89 in case of FDI) to 2018/2019 obtained from different sources: Nepal Rastra Bank, Economic Survey of Nepal, The World Bank and Department of Industry, Nepal Government were used in this study. Unit root test was used to check stationary. Autoregressive Distributed Lag (ARDL), ARDL bound test and Error Correction Model (ECM) were applied to find short-run as well as long-run relationship. Finally, pair-wise causal relationship was tested by using Granger causality. Results: All variables were found to be stationary at first difference. The test statistic of ARDL bound test was 8.17 and was greater than upper bound of 6.36 at 1% significance level. Error correction term’s p-value was 0.0052 and the corresponding values for pair-wise Granger causality from trade deficit to FDI and FDI to trade deficit were 0.00009 and 0.00005, respectively. Conclusion: There was positive and significant long-run relationship between exchange rate and trade deficit whereas there was negative and significant long-run relationship between real GDP and trade deficit. Moreover, real GDP positively affected trade deficit in short-run. Furthermore, bidirectional causal relationship has been observed between FDI and trade deficit.

Every Universities/Colleges want their more students are able to pass their exams. That is why they are looking for effective policies and programs. This study helps them to make new policies for the betterment of the students and change inefficient old policies if any in their Universities/Colleges. This investigation’s purpose is to evaluate the consequences of gender, level, group and system on students’ academic performance by taking students in Amrit Campus. After analyzing through chi-square and logistic regression, it is found that except gender other three variables have significant impact on performance. The performance of biological group students is better than physical group students. Likewise, bachelor level students have performed well as compared to master level. Additionally, semester students pass at a higher rate than those enrolled in the yearly system. Among various combinations of bachelor level, EBC (Environment, Botany, and Chemistry) and among Master level Zoology students are more serious about their exam.

Persistent deficit in trade balance is a common characteristic of developing countries in which low value agricultural exports may not offset the high value industrial imports. This article intends to explore the effect of inflation, exchange rate, GDP, FDI and GCE on trade balance of South Asian countries: Bangladesh, Bhutan, India, Nepal, Pakistan and Sri Lanka. Data were obtained from, World Development Indicators from 2001 to 2019 published by World Bank. Initaly, the trend of all variables was monitored using graphs. Then, fixed effect model was applied as suggested by Hausman test in which only exchage rate was found significantly negatively related with trade balance. Due to serial correlation problem with fixed effect mode, data were further analysed through panel ARDL / PMG and found the evidences of long-run relationship among the variables. It was also found that inflation, exchange rate, and GDP had significant positive relationship with trade balance in long-run whereas GCE had significant negative impact on it. Interestingly, FDI did not have significant contribution on trade balance in long-run. None of variables were found to be significant in short run. However, all selected variables affected signifcantly to trade balance in short-run while testing cross-section wise. Finding of this research has an important implication to South Asian countries for making concensus in desiging common currency to fight against the growing concern of trade deficit in the region.