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Exploring the drivers of interest rate differentials in nepalese commercial banks
(Faculty of Management, 2026-02) Shah, Amrendra Kumar; Indra Bahadur Bohara
not available
Key determinants of loan decision making among customers in gandaki province
(Facultu of Management, 2026-01) Chauhan, Ashok; Laxman Raj Kandel
This study explores the determinants of borrower choice behavior for loan in Gandaki Province, Nepal, focusing on the role service quality, interest rate, and loan terms play in influencing borrower choice and preference. The rapid expansion of Nepal's banking sector has developed more competition among financial institutions, thus prompting an awareness of determinants of customers' attitude and borrowing behavior. To this end, the present study aims to explore how both economic and psychological factors guide loan decision-making and how banks can leverage these insights in order to improve provision and satisfaction of services. The research is grounded on established rational choice theory, providing strong theoretical underpinning for an examination of rational and psychological aspects of borrowing among consumers. The research adopts a quantitative method with the application of a systematic questionnaire to bank customers in Gandaki Province. The instrument measured key constructs of service quality, interest rate, loan installment structure, loan covenants, and loan products. The total number of 500 valid responses was analyzed using descriptive and inferential statistics. Multiple regression and correlation tests were done to establish the direction and magnitude of the relationships between the variables of the study. The results reveal that interest rate and service quality strongly influence loan decision, while loan covenants moderate and significantly influence it. With banks opening up in increasingly competitive financial markets, building credibility by delivering consistent services and ethical pricing is crucial. The study points out that customer-oriented loan terms and fair interest rate policies could enhance trust and satisfaction, and ultimately lead to banks and borrowers sharing improved relationships. The results of this study have policy and practical implications for policymakers and financial managers in developing lending strategies that balance profitability and customer values. In emphasizing service quality and fairness in a financial transaction, Nepalese banks can improve customer retention and promote an inclusive and sustainable credit system.
Individual investors’ intention towards investment in green bonds in kathmandu valley
(Faculty of Management, 2026-02) Thapa, Ashok; Joginder Goet
This paper examines the variables that influence the intention of individual investors to invest in green bonds in Kathmandu Valley. Theory of Planned Behavior is the theory applied in the research which evaluates the importance of the Green Attitude, Green Subjective Norms, Green Perceived Behavioral Control and Environmental Concern in predicting the Green Investment Intention. Data collection was done through structured questionnaires both face to face and online in data collection. The Descriptive and Inferential statistics were used to provide profile of the demographic variables, investment experience, sustainability awareness and establish the relationships between the constructs. The results show that Kathmandu Valley investors are becoming more concerned about the environmental concerns. The effects of all the four independent variables on Green Investment Intention were significant and positive with Green Attitude and Environmental Concern being the most significant ones. This implies that subjective values and environmental awareness is major determinant in the identification of pro environmental investment behavior. The findings can be attributed to the Theory of Planned Behavior that comments intention is related to attitudes, subjective norms, and the perceived behavioral control. The high impact of the Green Attitude, Environmental Concern and Green Subjective Norms would mean that the values and the social expectation that exists in the environment influences the investors to consider green bonds. The Green Perceived Behavioral Control lays emphasis on the worth of confidence and perceived capability in investment decision making. Environmental Concern Incorporation in the model increases TPB. The conclusion of this work is that Kathmandu Valley green investment intention is dependent on the individual attitudes, social influence, perceived ability and environmental awareness. When there is more sustainability and environmental sensitivity, the interest is even greater. The ease of participation, improved information, and improved financial literacy improve the participation. These findings are alongside the Theory of Planned Behavior and enable efforts to popularize the Nepal green bond market