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EFFECT OF BANK SPECIFIC DETERMINANTS ON PROFITABILITY OF NEPALESE DEVELOPMENT BANKS
(Shanker Dev Campus, 2024) Shristi Sharma; Dr. Pitri Raj Adhikari
This study aimed to analyze the bank specific factors determining profitability of
development banks in Nepal. To achieve the specific objective of the study, descriptive and
causal comparative research has been carried out. The study is conducted using panel data
of 9 years development banks of Nepal for the period 2013/14 to 2021/22. The dependent
variable is profitability (ROA and ROE) which measures liquidity while the independent
variables are Bank size, loan to deposits ratio, equity to assets ratio, cash reserve ratio and
NPL ratio.
For the purpose of this study, the secondary data have been used. Ordinary least square
regression (OLS) of panel data analysis is used as a major tool of analysis. Loan to total
assets ratio has significant positive correlation with ROA also bank size has negative effect
on ROA. Cash reserve ratio, total equity to assets ratio, cash reserve ratio and NPL ratio
have insignificant relation with ROA. The regression result found that the Size of bank and
cash reserve ratio (CRR) as independent variable is statistically significant. At the same
time, equity to assets (ETA) and loan to deposit ratio (LDR) is also statistically significant
with ROE
Keywords: Profitability, Development Banks, ROE, ROA, Liquidity
EMPLOYEES SATISFACTION ON MONETARY REWARDS IN NEPALESE ORGANIZATION
(Shanker Dev Campus, 2024) Mohammad Akram Kujada; Pratibha Pandit / Bharat Raj Pant
Employee compensation plays a crucial role in the dynamic between employers and
employees, influencing the performance of both parties. This research seeks to investigate
the connection between monetary compensation and various aspects of job satisfaction,
including overall satisfaction, extrinsic factors, and intrinsic motivators. The study
employed convenience sampling and utilized descriptive and causal research designs.
Statistical analyses such as ANOVA, T-tests, correlations, and regression were conducted.
Surveys were administered to employees in commercial banks located in the Kathmandu
Valley to gauge the impact of compensation on their job satisfaction levels.
This research examines how Employee Compensation is influenced by factors such as
commitment, reward, appreciation, and fairness. The findings indicate a strong positive
correlation between appreciation and commitment, as well as between reward and
appreciation. Regression analysis demonstrates that commitment, reward, appreciation, and
fairness all have a positive and statistically significant impact on Employee Compensation.
Key words: Performance appraisal, Employee motivation, Nepalese commercial bank
BEHAVIORAL BIASES ON INVESTMENT DECISIONS OF NEPALESE SECONDARY MARKET INVESTORS
(Shanker Dev Campus, 2024) Bijaya Devkota; Dr. Dilli Ram Bhandari
This study shows how individual NEPSE investors' decisions are impacted by
behavioral biases. The objective of this research is to examine the correlation between
behavioral bias factors and investment choices, as well as the influence of behavioral
bias variables on share market investment decisions in Nepal, including herding bias,
anchoring bias, overconfidence bias, and disposition effect bias. A descriptive and
causal comparative research design was used in this investigation. The 249 NEPSE
listed enterprises were the population of this study, which was conducted using
questionnaires distributed to 215 investors. After data collection and surveying,
analysis was done using regression, correlation, and descriptive statistics. The
regression analysis's findings demonstrated that herding bias, anchoring bias,
disposition impact, and overconfidence all had significant and favorable effects on
investing choices. The study has implications for financial counselors to become more
proficient, policy makers to investigate biases in prior policy changes, and individual
investors to better understand their own behavior. Regulators has the authority to create
regulations aimed at eliminating investor perceptions of prejudice. This study can be
used by brokers to identify the biases impacting investor behavior. They are able to
protect investors from making bad choices by offering sage advice to their clients. With
the help of this study, investors can assess their own conduct. They also have the ability
to recognize profitable stocks and increase their purchases.
Key words: Overconfidence, Anchoring, Disposition Effect, Herding, Investment
Decision