Bagiswori Journal

Factors Affecting the Financial Literacy of Students in Bhaktapur District

Babloo Kumar Raut, Sunita Twanabasu — Fri, 19 Jan 2024 00:00:00 +0000

Financial literacy is the ability to make wise financial decisions. It is crucial for college students who are starting to make financial decisions and prepare for the working world. In this regard, this paper aims to examine the status of financial literacy of students studying management in community colleges. This study is based on primary data collected from 308 management students of six community colleges of Bhaktapur District. SPSS was used to derive results via descriptive analysis, correlation analysis, and regression analysis in order to achieve study aims. The average financial literacy score indicates that students are not totally literate. Pearson correlation result indicates that the age of the person affects the financial knowledge of an individual. However, gender and family income of respondents do not have a significant impact on respondents’ financial literacy. The results show that financial attitude, financial behavior, and financial knowledge all have a significant contribution to the level of financial literacy. Therefore, it is important for students to have financial knowledge, financial judgment and money matters. Thus improvements should be made throughout their academic careers. Financial education in college will enable students to become responsible and rational members of society.

Factors Influencing Mutual Fund Investment Decisions: Insights from Women Investors

Nabin Prajapati, Jyoti Swongamikha — Fri, 19 Jan 2024 00:00:00 +0000

With the economic transformations and wider access to financial knowledge, the capital market is witnessing a surge in female investors. Among the various investment options available in the market, mutual funds are one of the major options that are known to provide greater returns compared to the traditional investments. This study has been carried out with the objectives of studying mutual fund investment decisions from the perspective of women investors in Nepal. It identifies different factors that affect the investment decision of women investors in Nepal. Basically, this study adopts descriptive research design to describe and measure the data whereas causal comparative research design is used to analyze the impact of specific factors on mutual fund investment decisions of women investors. Meanwhile the study showed that different factors such as financial and accounting information, investors’ consultation with advisors and the image of mutual fund issuing companies have a positive significant influence in the investment decision of women in Nepal. Unlikely the study showed insignificant effect of investment knowledge of investors and general economic condition on the investment decision of women investors. This study can lay the groundwork for effective educational programs and policy changes that enables women investors to make financial decisions and promote equitable practices in the financial investment sector.

Determinants of Economic Growth of Nepal

Muraj Didiya — Fri, 19 Jan 2024 00:00:00 +0000

The purpose of this paper is to analyse the impact of Foreign Direct Investment (FDI), Exchange Rate (EXR) and Consumer Price Inflation (CPI) to the Gross Domestic Product (GDP) growth in Nepal. Descriptive and causal comparative research designs were used to analyse the impact of FDI, EXR and CPI on economic growth of Nepal. The study has used 17 years' annual time-series data of FDI, GDP at current price, CPI, and EXR throughout the FY 2006/07 to 2022/23 in Nepal. The empirical results found that EXR and FDI have positive and significant impact on the economic growth of Nepal whereas the adverse effect of CPI on economic growth has been found. FDI and favorable EXR appearing as key drivers of economic growth, but rising prices could slow down it.

नदी किनाराका माझी कवितामा सीमान्तीय प्रतिनिधित्व

चन्द्रप्रसाद Chandraprasad ढकाल Dhakal — Fri, 19 Jan 2024 00:00:00 +0000

प्रस्तुत अध्ययन मोहन कोइरालाको नदी किनाराका माझी कवितामा सीमान्तीय प्रतिनिधित्वको अवस्था चित्रण गर्नमा केन्द्रित छ । यसमा आएका माझी राज्यसत्ताको पहुँचबाट टाढा रहेका सीमान्तकृत वर्गका प्रतिनिधि पनि हुन् । यसमा सीमान्तीय प्रतिनिधित्वको विश्लेषणका लागि जातीय, वर्गीय र लैङ्गिक गरी तीन ओटा मापदण्ड निर्माण गरिएको छ । यहाँ पुस्तकालयीय कार्यबाट प्राथमिक र द्वितीय सामग्रीको सङ्कलन गरेर विश्लेषणको अवधारणा निर्माण गरी विवेच्य कृतिको विश्लेषण गरिएको छ । यसमा कृति विश्लेषणका नवीनतम प्रवृत्तिको प्रयोग गर्दै सैद्धान्तिक अवधारणा निर्माणका लागि निगमनात्मक र कृति विश्लेषणका क्रममा आगमनात्मक विधिको प्रयोग गरिएको छ । अवधारणा निर्माण गर्दा कवितामा रहेको सीमान्तीय जातिलाई जातीय, निम्न वर्गका मानिसलाई वर्गीय र महिला तथा पुरुषलाई लैङ्गिक प्रतिनिधिका दृष्टिले हेरिएको छ । सीमान्तीय विश्लेषण अन्तर्गत कृति विश्लेषणका विभिन्न पक्षहरू भए पनि प्रस्तुत अध्ययनमा प्रतिनिधित्वसम्बन्धी अवधारणाका आधारमा मात्र विवेच्य कृतिको विश्लेषण गरिएको छ । यसरी विश्लेषण गर्दा मोहन कोइरालाको नदी किनाराका माझी कवितामा माझी जाति सीमान्तीय वर्गको प्रतिनिधि भएको, माझी समुदायले अधीनस्थ वर्गको प्रतिनिधित्व गरेको र माझी, मझिनी दुबैले लैङ्गिक रूपमा सीमान्तीय वर्गको प्रतिनिधित्व गरेको हुनाले नदी किनाराका माझी सीमान्तीय वर्गको प्रतिनिधित्व भएको कविता हो भन्ने निष्कर्ष निकालिएको छ ।