Browsing by Author "Sarita Maharjan"

Now showing 1 - 5 of 5
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    Effect of bank specific and macro-economic factors on net interest margin of Nepalese commercial banks
    (Shanker Dev Campus, 2024) Nitesh Bhattarai; Sarita Maharjan
    This study investigates the impact of bank-specific and macroeconomic factors on the net interest margin (NIM) of six Nepalese commercial banks: Everest Bank Limited, NIC Asia Bank Limited, Nabil Bank Limited, Sanima Bank Limited, Nepal Bank Limited, and Citizens Bank International Limited. The research encompasses a period from fiscal year 2013/14 to 2022/23. The bank-specific variables examined include total deposits, asset quality, liquidity, bank size, and management efficiency, while the macroeconomic variables include GDP growth rate and inflation. The dependent variables in this study are the net interest margin indicators, specifically the net interest income to average earning assets (NIM1) and the net interest income to total assets (NIM2). Through the application of various econometric models, including Fixed Effects Model (FEM) and Random Effects Model (REM), the study analyzes how these factors influence the profitability and efficiency of Nepalese commercial banks. Our findings reveal significant relationships between the independent variables and the net interest margin indicators, providing insights into the critical determinants of bank performance in the Nepalese banking sector. This research contributes to a better understanding of the dynamic interplay between internal bank management practices and external economic conditions, offering valuable implications for bank managers, policymakers, and stakeholders aiming to enhance the financial stability and efficiency of commercial banks in Nepal.
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    ELECTRONIC BANKING AS THE ALTERNATIVE CHANNELS AND CUSTOMER SATISFACTION IN NEPAL
    (Shanker Dev Campus, 2024) Ram Bali Ram; Sarita Maharjan
    Therefore, the ability of commercial banks to create and market new products and services with unique features, as well as to reroute and restructure their internal business processes in reaction to external movements, depends on digital banking services. Finding out how effectively digital banking methods fared in comparison to Nepal's commercial banks was the aim of the study. A descriptive and informal research design was used in the study. The study's population consisted of the 20 commercial banks that are active in Nepal. The study's primary data were collected through self-administered questionnaires. The data were analyzed using descriptive statistics. Regression analysis was used to assess the effectiveness and results of digital marketing strategies. The study employs convenience, creditworthiness, usefulness, and ease of use as independent variables, and uses digital banking as a dependent variable. Correlation research showed that the practices of digital banking are significantly and favorably related to usefulness, ease of use, creditworthiness, and convenience. Similarly, the results of the regression analysis showed that, when it comes to digital banking, usefulness, ease of use, creditability, and convenience are statistically significant as positive coefficients. Digital banking, however, has a positive significance. Also, when combined with independent factors, the dependent variable has a positive significance.
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    IMPACT OF E-BANKING SERVICES ON CUSTOMER SATISFACTION IN NEPALESE COMMERCIAL BANKS
    (Shanker Dev Campus, 2024) Pratima Byanjankar; Sarita Maharjan
    The main purpose of the study is to investigate impact of e-banking services on customer satisfaction in Nepalese commercial banks. The study is used descriptive and casual research design. This study used descriptive statistic, correlation analysis and regression analysis for data analysis. The study found that the majority of respondents believed that security and convenience of e-banking services have a significant impact on banking customers’ satisfaction and that their own satisfaction is high. The correlation analysis shows that there is a significant positive association between customer satisfaction (CS) and reliability of e-banking services (REL). Similarly, accessibility of e-banking services has significant positive association with customer satisfaction. Further, there is a significant positive correlation of convenience of e-banking services with customer satisfaction (CS). Lastly, there is a significant positive correlation between security of e-banking services and customer satisfaction. The regression result reveals that reliability, accessibility, convenience and security of e-banking services have significant positive impact on customers’ satisfaction in banking industry of Kathmandu Valley. Therefore, this study concluded that the impact of electronic banking on customer satisfaction is significant in Nepalese commercial banks.
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    IMPACT OF INFORMAL FINANCIAL NETWORKS ON FINANCIAL INCLUSION AND STABILITY IN NEPAL
    (Shanker Dev Campus, 2024) Roshan Rijal; Sarita Maharjan
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    TEACHER’S MOTIVATION IN COMMUNITY SCHOOL OF NEPAL
    (Shanker Dev Campus, 2024) Sarita Maharjan; Asso. Prof. Rita Maskey
    This study explores the factors that influence teacher motivation in community schools in Nepal, focusing on key variables such as school infrastructure, salary and benefits, professional development, community support, and the work environment. The study aimed to assess how these factors affect teacher motivation and to determine their relative impact on teacher performance. A survey was conducted with 287 teachers from community schools in Tokha Municipality, Nepal. Data were collected using a purposive sampling method and analyzed through descriptive statistics and correlation analysis. The findings indicate that teacher motivation is primarily influenced by professional development and community support, both of which were found to have a significant positive impact on teacher motivation. Teachers reported that opportunities for professional growth and active involvement from parents and the local community were the most crucial factors driving their motivation. School infrastructure, while also important, had a positive but slightly less pronounced effect on motivation. Salary and benefits, although important, were found to have a moderate impact on motivation, suggesting that financial incentives alone are insufficient for long-term teacher engagement. The work environment, including relationships with colleagues and school administration, was the least influential factor in teacher motivation, though it still contributed positively. In conclusion, this study underscores the importance of addressing multiple factors that influence teacher motivation, with a particular emphasis on professional development and community engagement. These findings have significant implications for policymakers and school administrators aiming to enhance teacher motivation and, consequently, educational outcomes in Nepal.