THAPA, BHABISH2022-06-232022-06-232021-04https://hdl.handle.net/20.500.14540/11505The study aims to analyze the financial preferences and practices of Nepalese SMEs from a clients and institutional perspective. It is a primary data-based research including both questionnaire survey (with clients) and semi-structured interview (with clients and practitioners) of SMEs in Nepal. Though it is descriptive more in nature, it is triangulation. Survey based structured questionnaire was distributed to the 125 SMEs clients. For supporting the survey, semi-structured interview was also carried out among certain clients and certain SMEs practitioners. Collected data were described by frequency, mean, median, percentage, standard deviation, maximum and minimum value, and four hypotheses have been tested using logistic regression analysis. To find out effect on financial preferences and practices in Nepalese SMEs with major independent variables used in present study are SMEs characteristics, such as; core business, age of SMEs, size of SMEs and legal status and owners characteristics, such as; gender, age, education level and experience.The role of finance has been viewed as a crucial element for the development of SMEs. Lack of sufficient financing option and access to credit are often cited as major anchors for the development of SMEs in many parts of the world. Availability of finance can be associated with the development of SMEs especially through the medium which entrepreneurs’ desire.enNEPALESE SMEsPOOLING OF FUNDSThesis