Journal of Business and Social Sciences Research 2020-03-18T17:21:19+00:00 Dr Ram Kumar Phuyal Open Journal Systems <p>The Journal of Business and Social Sciences Research is the official publication of the Ace Institute of Management, Kathmandu, Nepal.</p> Impact of Non-Interest Income on Financial Performance of Joint Venture Banks in Nepal 2020-03-18T17:21:12+00:00 Ajay Kumar Shah Niraj Agarwal Ram Kumar Phuyal <p>&nbsp;The research was conducted to identify the non-interest income variables that will likely affect the financial performance of the joint venture banks of Nepal. The main objective of the study is to analyze the prominence of non-interest income and its effect on financial performance of joint venture banks in Nepal. This study will help the banks to identify other sources of income of the bank and try to look at its impact on the overall profitability and risk intention. To measure the financial performance, the indicator of profitability i.e. returns on assets and return on equity are taken into consideration for the study as a dependent variable and assets size, letter of credit fee, guarantee income, remittance fee, dividend income, exchange income, service charge, and renewal fee as an independent variable. Both descriptive and inferential analyses were performed to capture the relationship. From the result analysis, it is observed that the non-interest income variables that would affect the financial performance of the joint venture banks. It is observed that not all variables have equal effect on the profitability as measure of financial performance, for joint ventures the factors like assets size, letter of credit fee, guarantee income, remittance fee, dividend income, exchange income, service charge, and renewal fee have a significant relationship with the measure of financial performance that is return on assets and return on equity. Apart from the interest income, there are lot of non-interest variables which leads to profitability so the banks looking to increase its profitability with lesser risk need to take these variables into consideration. Results indicate that banks need to keep the non-interest income variables into consideration at times for improving the financial performance of the joint venture banks.</p> 2018-12-31T00:00:00+00:00 ##submission.copyrightStatement## Stepping Back to Move Forward: Assessing the Quality of Maternity Health Services of Kathmandu Valley 2020-03-18T17:21:13+00:00 Kiran Bhetwal <p>This paper is the assessment of the women’s perception towards the quality of services they received during their maternity time and examining their level of satisfaction with the intention to revisit the same hospital for future services. Primary quantitative data through the distribution of questionnaire from 150 respondents using convenience sampling from five hospitals viz Nagarik Hospital, Teaching Hospital, Thapathali Hospital, KMC and Patan Hospital were collected. Majorities of the respondent were satisfied enough to return to the hospital and would happily recommend others as well. This study found that human and physical resources have the lowest average. Implying that most of the respondent felt that it was the most important factor while choosing the hospital followed by privacy, cognition, physical abuse, denial of requested care, confidentiality, emotional support, involvement of family member and finally respect, dignity and equity scores last. It means that no matter which hospital respondent went they found it most obvious to be treated with respect. It clearly shows the reason on why the hospital is investing more on the infrastructure rather than innovating and delivering higher service quality. On the serious note, a case of physical and verbal abuse also came into light during the investigation. Not much of research based policies are seen to protect such critical case.</p> 2018-12-31T00:00:00+00:00 ##submission.copyrightStatement## Estimation of Fertility due to Contraception in Nepal 2020-03-18T17:21:15+00:00 Bijaya Mani Devkota <p>&nbsp;</p> <p>Fertility has an important role for demographic transition and total fertility rate (TFR) which is one component measurements of fertility. Absences of complete and reliable data, a large number of indirect techniques have been developed to estimate demographic parameters. Some of these techniques are based on stable population theory and others are regression equations between the dependent variables, the TFR and the independent variables, the socio economic as well as demographic variables. The unwanted or unintended pregnancies can be avoided through the use of contraceptives; it becomes very important to estimate the births averted or pregnancies stopped by use of contraception. Though there is increase in the use of contraception, still many couples do not use contraception in spite of the fact that they require to use contraception. To satisfy this unmet need of contraception is one of the policy targets of national population policy for population stabilization. In this study, 12862 married females between 15-49 years of age, whose marital duration is more than 5 years, have been taken to study the distribution on different background characteristics and their behavior. Firstly, a regression study was done to know the impact on contraceptive use and further multivariate study has been carried out to know the effect of background characteristics and behavior on absence of birth five years jointly at different sub division. This method is based on the relationship between the Total fertility rate (TFR) and contraceptive prevalence rate (CPR).By using this modified estimate of TFR, birth averted for different area. The variables are CPR that about 71.4 percent variation in TFR can be explained by the first regression approach. The second is based on the relationship between total fertility rate (TFR) and Additive combination of CPR and proportion of currently married females having open birth interval (NPV) explained about 82percent of the variation in TFR. The findings revealed that the TFR calculated by the present method are quite close to the observed values of the TFR. Estimates of births averted and the percent change in births in the absence of contraception, based on the two methods are fairly consistent.</p> 2018-12-31T00:00:00+00:00 ##submission.copyrightStatement## Role of Corporate Governance on the Performance of Insurance Companies of Nepal 2020-03-18T17:21:17+00:00 Sushil Dev Subedi <p>The objective of this paper is to analyze the role of corporate governance on the financial performance of insurance companies. The study used descriptive cum causal relational research design. Firm ownership and board size are considered as the key variable of corporate governance while debt to equity ratio, firm size, firm age and firm growth are considered as control variables. The dependent variable firm performance is measured by return on asset (ROA) and return on equity (ROE). All the 40 insurance companies are considered as population of the study. The study used convenient sampling technique for selection of the sample. Seven out of 18 life insurance companies and eight out of 20 nonlife insurance companies are selected as sample. The study used five year data from 2009/10 to 2016/17 with 135 firm year observations. Data were collected from mail survey and published data from respective insurance company and Beema Samiti. Data were analyzed using a multiple linear regression model.The study concluded that corporate governance affects the firm performance in Nepalese insurance sector. Board size has a negative impact on ROA while firm size and firm ownership has a positive impact on ROA and ROE. The variable debt to equity has the negative and significant impact on ROE respectively.</p> 2018-12-31T00:00:00+00:00 ##submission.copyrightStatement## Understanding of Plagiarism through Information Literacy: A Study among the Students of Higher Education of Nepal 2020-03-18T17:21:18+00:00 Prem Raj Adhikari <p>The study deals with the issues related to the contribution and the need of information literacy. This study has explored the importance of information literacy in academic work among the Nepali students of higher education. Plagiarism is the technical term for stealing someone else’s intellectual property. The research examined the truth about the understanding about plagiarism and copyright issues in the use of information. This quantitative study is aligned towards positivist paradigm and adopted survey design for data collection. The population of the study was students of higher education of Tribhuvan University, Kathmandu University and Pokhara University. Two hundred and fifty-four (254) sample populations were drawn using sample size formula for data. For this purpose, simple random sampling was used to determine the number of the sample population. The sample population was selected using random sampling procedure. The data were collected using survey method and were analyzed using SPSS descriptive statistics used for the purpose of data analysis. The findings of this study showed that information literacy is important and helpful in academic works in higher education. Students of higher education rely on the internet and library for their academic resources in Nepal. The use of information literacy is expected to be the part of education to make the learning process effective. This study also focused on the use of right information in appropriate ways among the students of higher education of Nepal. Research indicated that there was lack of understanding what students know and use about the supplied information in higher education in Nepal.</p> 2018-12-31T00:00:00+00:00 ##submission.copyrightStatement##