Welcome to TUCL Repository

Access to a vast collection of academic theses and dissertations
Wide range of scholarly journals and articles
Search and browse functionalities for easy discovery of resources
Accessibility to digital resources anytime, anywhere
Facilitates research and learning endeavors of TUCL community
Promoting open access to knowledge and research findings
User-friendly interface, ensuring ease of navigation and accessibility for users of all levels of expertise
unique persistent identifier (such as DOI or Handle) to facilitate citation, tracking, and long-term preservation, ensuring the integrity and longevity of scholarly contributions

Communities in DSpace

Select a community to browse its collections.

Now showing 1 - 9 of 9

Recent Submissions

Item

The financial attributes for financial literacy of commercial banks in nepal

(2025) Kunwar, Laxmi; Dinesh Basnet

This study examines the influence of key financial attributes such as, Financial Attitude (FA), Financial Behavior (FB) and Financial Knowledge (FK) on the Level of Financial Literacy (LFL) among commercial bank customers in Nepal. Using a structured questionnaire and responses from 2,000 participants, the study employs correlation and multiple regression analysis through SPSS version 29 to assess the strength and significance of these relationships. The correlation matrix reveals that all independent variables Financial Attitude (FA), Financial Behavior (FB) and Financial Knowledge (FK) are positively and significantly correlated with Level of Financial Literacy (LFL), suggesting that stronger financial attitude, better behavior, and increased knowledge are associated with higher levels of financial literacy. The regression analysis shows that Financial Behavior (FB) has the highest predictive power (β = 0.368), followed by Financial Attitude (FA) (β = 0.321) and Financial Knowledge (FK) (β = 0.176), with all predictors being statistically significant at the 1% level (p < 0.001). The model demonstrates a strong fit, with an R-value of 0.692 and an R² of 0.478, indicating that approximately 47.8% of the variation in financial literacy is explained by these three variables. The ANOVA results confirm the overall significance of the model (F = 610.370, p = 0.001). These findings suggest that financial behavior plays the most influential role in shaping financial literacy, followed by financial attitude and financial knowledge. The study offers important insights for policymakers, educators, and financial institutions aiming to improve financial literacy through targeted behavioral, attitudinal, and educational strategies. Keywords: Level of Financial Literacy (LFL), Financial Knowledge (FK), Financial Attitudes (FA) and Financial Behaviour (FB).

Item

Market analysis of life insurance companies in nepal

(2025) Acharya, Kamala; Srijana Khadka

This study investigates the market dynamics of life insurance companies in Nepal, focusing on how key factors influence consumer behavior and investment decisions. The research aims to provide insights into how financial security, risk sharing, low transaction expenses, systematic investment, returns, and portfolio management collectively shape customer choices and contribute to broader trends in Nepal‘s life insurance market. Primary data were collected from 408 respondents through structured questionnaires administered online and in person. The data were processed using Microsoft Excel and SPSS, employing descriptive statistics, correlation analysis, and multivariate regression models to evaluate relationships between variables. Descriptive results revealed that respondents generally agreed with all the proposed factors, with Portfolio Management and Returns receiving the highest average scores. Inferential analysis confirmed strong positive correlations between all independent variables and the dependent variable Life Insurance Investment Decision. Regression results showed that Portfolio Management (β = 0.381), Systematic Investment (β = 0.194), Returns (β = 0.177), and Risk Sharing (β = 0.131) significantly influenced investment decisions (p < 0.05), while Financial Security and Low Transaction Expenses did not have a statistically significant impact. The model demonstrated a high explanatory power with an adjusted R-squared value of 82.3%, and no issues of multicollinearity were observed. These findings highlight Portfolio Management as the most influential factor driving life insurance investment decisions in Nepal. The results offer practical implications for insurance companies to tailor products, enhance consumer engagement, and promote structured, return-oriented investment plans. This study contributes to a deeper understanding of customer behavior in Nepal‘s evolving insurance sector. Keywords: Life insurance, financial security, risk sharing, low transaction expenses and portfolio management.

Item

Factors affecting investment decision of individual investors in nepalese stock market

(2025) Bishwakarma, Jogendra Bahadur; Dhurba Prasad Subedi

The performance and stability of a nation’s stock market largely depend on the investment behavior of individual investors. In Nepal, retail participation in the stock market has significantly increased in recent years, yet investor decisions are often influenced by a complex interplay of psychological, social, and economic factors rather than sound financial analysis. This study investigates the key factors that affect the investment decisions of individual investors in the Nepalese stock market. Drawing from both descriptive and inferential statistical techniques, the research aims to identify how elements such as advocate recommendations, market conditions, company image and financial performance, and macroeconomic indicators influence individual investment behavior. The study adopts a quantitative research design and collects primary data through structured questionnaires administered to 124 respondents. Descriptive statistics— including frequency distributions, cross-tabulations, and mean analysis—are used to profile investors based on age, gender, income, education, occupation, and risk preference. Inferential tools such as Pearson correlation and multiple regression analysis are employed to examine the strength and nature of the relationship between the identified factors and investment decisions. The results reveal that the majority of investors are young, educated, and self-directed in their investment approach. A significant portion of them prefer moderate-risk investments, with hydro-power and banking sectors being the most favored areas. Empirical findings confirm a statistically significant and positive correlation between individual investment decisions and the four independent variables: advocate recommendations, market factors, company image and financial performance, and economic conditions. The regression analysis demonstrates that these variables collectively explain 64% of the variance in investor decision-making. All four hypotheses tested in the study were supported, affirming the critical role each factor plays in shaping investor choices. Notably, advocate recommendations and market factors emerged as the most influential predictors. Keywords: Investment decision, market factors, financial performance, economic factors, individual investors.