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Submission Preparation Checklist

As part of the submission process, authors are required to check off their submission's compliance with all of the following items, and submissions may be returned to authors that do not adhere to these guidelines.
  • The submission has not been previously published, nor is it before another journal for consideration (or an explanation has been provided in Comments to the Editor).
  • The submission file is in Microsoft Word file format.
  • Where available, DOIs for the references have been provided.
  • The text is single-spaced; uses Times New Roman 12-point font; employs italics, rather than underlining (except with URL addresses); and all illustrations, figures, and tables are placed within the text at the appropriate points, rather than at the end.
  • The text adheres to the stylistic and bibliographic requirements outlined in the Author Guidelines.

Author Guidelines

I. About the Journal

Nepalese Journal of Insurance and Social Security (NJISS) ISSN 2565-4942 (Print) is a double-blind peer reviewed international refereed journal. The objective of the journal is to provide opportunity of publication to fresh researchers and renowned authors to contribute in the body of knowledge in relevant areas. The registered office of NJISS is located in Kathmandu, Nepal but papers are accepted from across the globe. Authors are advised to submit their original papers in the broad area of risk management, insurance and social securities. The paper may cover any one of the following thematic area but not limited to:

  • Behavioural finance, perception of customers towards the risk management, insurance and social security.
  • Catastrophic insurance, government insurance, commercial insurance, micro insurance, health insurance, community-based insurance, and social insurance
  • Depository and credit guarantee schemes, microfinance and micro insurance nexus
  • Disaster risk management, Project risk management, Enterprises risk management, corporate risk management, Credit risk management, climate change risk management and reinsurance practices
  • Financial literacy, insurance education and insurance inclusions
  • Life, property, causality and liability insurance, micro insurance and social insurance
  • Performance, efficiency, and sustainability of insurance companies, customers' and employees' satisfaction, good governance,
  • Regulatory issues, capital adequacy, solvency margin, and cross border activities
  • Insurance accounting, financial management, assets management and investments
  • Insurance and banking regulation, central Bank and bancassurance practices
  • Social Security for formal and informal sector, social protection, and pension fund regulation
  • Pension fund, retirement fund, old age, ageing and unemployment, health care benefits, and long-term care,
  • Marketing strategies, distribution channels, fraud control and claims management

The organisation does not charge any cost for peer review, language editing, and publication. There is no provision of remuneration to authors and peer reviewers. One copy  of printed journal will be mailed to author free of cost but additional copy (ies) will be provided with cost.

II. Guidelines to Authors

  1. Submission of a manuscript implies that the work described is not copyrighted, published or submitted elsewhere, except in abstract form. The corresponding author should ensure that all authors approve the manuscript before its submission.
  2. Manuscripts are accepted on condition of transfer of copyright. Once the manuscript is accepted, it may not be published elsewhere without the consent of the copyright holders.
  3. Papers should make a substantial contribution to the area of research, be technically well-crafted and be of interest to academia and professionals at large and most importantly, be empirical in nature. Empirical papers on risk management, insurance and social security relevant to developing nations, based upon original ideas are acceptable.
  4. Drawings and graphs should be original and should not be cropped or copied from others. Sufficient data should be attached with the graphs and figures. The photographs should be with high resolution and in electronic form.
  5. All submissions should be in English, typed in Times New Roman font, font size 12, with 1 inch margin on all four sides and with 1.5 line spacing. Authors must keep their manuscripts as concise as possible and finish papers should be between 4000 to 6000 words in length, including illustrations and tables. But, for deserving paper length is not constraints.
  6. The title of the paper should be as short as possible and should reflect the theme of the paper.
  7. The language of the paper should be in English and that should be easily understandable.
  8. The paper should follow the structure of scientific writings as follows:
    • Title pages including title of the paper, sure name and first name of the author(s), prefix of author(s), affiliation of author(s), corresponding email address of first author, maximum latest five publications.
    • Abstract (250-300 words) followed by Key words (three to five terms), and JEL classification of the key words. It starts with objectives, includes short methodology, major conclusions and suggestions (if required). The entire paper should be divided in five chapters as follows:
    • Chapter 1- Introduction: This chapter focus on overview of the subject of research, contemporary issue and mention objectives. Sub heading to be arrange like: 1.1, 1.2.1. , …1.3 ……
    • Chapter 2- Literature Review: This chapter discusses sufficient number of relevant literature. Sub heading to be arrange as: 2.1, 2.2 ……
    • Chapter 3- Methodology: This chapter should be concise and more technical. It clearly specify about the research design, population, sample size, sampling techniques, types of data, duration of data, data collection instruments, data analysis tools that has been applied in study.
    • Chapters 4- Result and Discussion: The section should present the data, discuss the data, explore the findings, derive on conclusions and offer the suggestions.
    • Chapters 5- Conclusion: The chapter entirely concludes based on the findings
    • References: Should follow APA format on citation, tables, figure, referencing.
    • Annexure: Supporting information which is not suitable to include in main text need to separately present in annexure.
    • Consortia and group authorship - If a manuscript is submitted on behalf of a consortium or group, include the consortium or group name in the author list, and include the full list of members in the Acknowledgments or in a Supporting Information file.
    • The corresponding author is responsible for making sure all authors approve the final manuscript before submission. NJISS will contact all authors by email at submission to ensure that they are aware of the submission
    • One corresponding author should be designated in the submission system as well as on the title page.
  1. The methodologies, results and findings should be highlighted to demonstrate innovativeness.
  2. Short CV and a passport size photo of the first author are required after acceptance of the manuscript for publication.

III. Formatting guidelines

  1. Manuscript files can be in the following formats: DOC, DOCX or RTF. Microsoft Word documents should not be locked or protected.
  2. The headings of sections and sub-sections should be expanded up to three heading levels. Make sure heading levels are clearly indicated in the manuscript text.
  3. Do not format text in multiple columns.
  4. Define abbreviations upon first appearance in the text. Do not use non-standard abbreviations unless they appear at least three times in the text. Keep abbreviations to a minimum.
  5. Observance of fundamental rules of grammar and style will make the paper more comprehensive and interesting to read.
  6. All but very short mathematical expressions should be displayed on a separate line and make centre.
  7. Equations must be numbered consecutively on the right margin, using Arabic numerals in parentheses.
  8. Tables and figures should be numbered consecutively in the text in Arabic numerals (Table 1, 2 or Figure 1, 2).
  9. Each table or figure must have a title followed by a descriptive legend. Authors must check tables to be sure that the title, column headings, captions, etc. are clear to the point.
  10. The standard APA style of referencing (6th edition) should be followed which entails citations within the text in (name, date) format, and a full alphabetical references at the end of the text.
  11. Submissions can include a supplementary appendix which might include extra tables, extra figures, data description, etc.
  12. Papers that do not follow these guidelines will be returned to the authors by the Editorial Assistant.

IV. Duties of Editors

  1. Ethical consideration by author: For all parties involved in the act of publishing (the author, the journal editor(s), the peer reviewers and the publisher) it is necessary to agree upon standards of expected ethical behavior.
  2. Fair play: The submitted manuscripts are evaluated for their intellectual content without regard to race, gender, sexual orientation, religious belief, ethnic origin, citizenship, or political philosophy of the authors.
  3. Confidentiality: The Editorial Board and any editorial staff must not disclose any information about a submitted manuscript to anyone other than the corresponding author, reviewers, potential reviewers, other editorial advisers, and the publisher, as appropriate.
  4. Disclosure and conflicts of interest: Unpublished materials disclosed in a submitted manuscript must not be used in an Editor's own research without the explicit written consent of the author(s).
  5. Publication decisions: The editorial board of the journal is responsible for deciding which of the submitted articles should be published. Editorial Board informs to author within a due time about the status of the paper.

V. Responsibility of Authors

  1. Authors reporting results of original research should present an accurate account of the work performed as well as an objective discussion of its significance. Underlying data should be represented accurately in the manuscript.
  2. A paper should contain sufficient detail and references to permit others to replicate the work. Fraudulent or knowingly inaccurate statements constitute unethical behaviour and are unacceptable.
  3. The authors should ensure that they have written entirely original works, and if the authors have used the work and / or words of others that this has been appropriately cited or quoted.
  4. An author should not in general publish manuscripts describing essentially the same research in more than one journal or primary publication. Parallel submission of the same manuscript to more than one journal constitutes unethical publishing behaviour and is unacceptable.
  5. Proper acknowledgment of the work of others must always be given. Authors should also cite publications that have been influential in determining the nature of the reported work.
  6. Authorship should be limited to those who have made a significant contribution to the conception, design, execution, or interpretation of the reported study. All those who have made significant contributions should be listed as co-author.
  7. Where there are others who have participated in certain substantive aspects of the research project, they should be named in an Acknowledgement section.
  8. All authors should disclose in their manuscript any financial or other substantive conflict of interest that might be interpreted to influence the results or their interpretation in the manuscript. All sources of financial support for the project should be disclosed.
  9. When an author discovers a significant error or inaccuracy in his/her own published work, it is the author’s obligation to promptly notify the journal’s Editor-in-Chief or publisher and cooperate with them to either retract the paper or to publish an appropriate erratum.
  10. In case of alleged or proven scientific misconduct, fraudulent publication or plagiarism the publisher, in close collaboration with the Editors-in-Chief, will take all appropriate measures to clarify the situation and to amend the article in question. This includes the prompt publication of an erratum or, in the most severe cases, the complete retraction of the affected work.

VI. Policy for Peer Review

All research articles published in Nepalese Journal of Insurance and Social Security undergo full peer review, key characteristics of which are listed below:

  1. This is double-blind review, which means that both the reviewer and author identities are concealed from the reviewers, and vice versa, throughout the review process. Authors need to ensure that their manuscripts are prepared in a way that does not give away their identity.
  2. Author(s) need to submit the title page containing the Authors details and Blinded Manuscript with no author details as 2 separate files. Title page should include the title, authors' names and affiliations, and a complete address for the corresponding author including telephone and e-mail address.
  3. All information indicating the author identity need to remove from the article viz. names and affiliations under the title within the manuscript, citation of the own papers.
  4. Need to remove the identity of Author, use the third person to refer to work the Authors have previously undertaken, e.g. replace any phrases like “as we have shown before” with “… has been shown before [Anonymous, 2007]”.
  5. Need to make sure figures do not contain any affiliation related identifier.
  6. Need not eliminate essential self-references or other references but limit self-references only to papers that are relevant for those reviewing the submitted paper. Cite papers published by the Author in the text as follows: ‘[Anonymous, 2007]’. For blinding in the reference list: ‘[Anonymous 2007].
  7. The funding sources (if any) need to remove, not include acknowledgments, remove any identifying information, including author names, from file names and ensure document properties are also anonymized.
  8. List of peer reviewers is prepared based on the area of expertise. Reviewers are requested to fill up the consent form, sign and send to the office.
  9. All research articles are reviewed by at least two suitably qualified experts. If their conclusions are not unanimous, a third reviewer may be consulted.
  10. Editorial Board will decide promptly whether to accept, reject, or request revisions of referred papers based on the reviews and editorial insight of the supporting journals based on General quality, relevance and originality.
  11. Peer Reviewer need to provide constructive suggestions, and comments to manuscript. The recommendation of the reviewer should be one of the following categories:
    1. Accept without modification
    2. Accept with minor modification to improve its quality
    3. Major modifications required
    4. Reject (manuscript is of low quality or low interest to the readership)
  12. In addition, Editors will have the option of seeking additional reviews when needed. Authors will be advised when Editors decide further review is needed.
  13. Beside quality of the subject matter, peer reviewer need to suggest on grammar and language of the manuscript.
  14. Peer reviewers must keep any information regarding the identity of the authors and the content of the manuscript confidential. Peer review comments should be objective and constructive without being of a hostile or derogatory nature.
  15. All publication decisions are made by the journals’ Editors-in-Chief and Managing Editors on the basis of the reviews provided.
  16. Peer reviewer should:
    • Respect the confidentiality of peer review and not reveal any details of a manuscript or its review, during or after the peer-review process, beyond those that are released by the journal,
    • Not use information obtained during the peer-review process for their own or any other person’s or organization’s advantage, or to disadvantage or discredit others
    • Only agree to review manuscripts for which they have the subject expertise required to carry out a proper assessment and which they can assess within a reasonable time-frame
    • Not allow their reviews to be influenced by the origins of a manuscript, by the nationality, religion, political beliefs, gender or other characteristics of the authors, or by commercial considerations
    • Be objective and constructive in their reviews, refraining from being hostile or inflammatory and from making libellous or derogatory personal comments
    • Acknowledge that peer review is largely a reciprocal endeavor and undertake to carry out their fair share of reviewing, in a timely manner
    • Provide personal and professional information that is accurate and a true representation of their expertise when creating or updating journal accounts
  17. Reviewers are expected to provide an assessment of the various aspects of a manuscript:
    • Key results: Please summarise what you consider to be the outstanding features of the work.
    • Validity: Does the manuscript have flaws which should prohibit its publication? If so, please provide details.
    • Originality and significance: If the conclusions are not original, please provide relevant references. On a more subjective note, do you feel that the results presented are of immediate interest to many people in your own discipline, and/or to people from several disciplines?
    • Data & methodology: Please comment on the validity of the approach, quality of the data and quality of presentation. Please note that we expect our reviewers to review all data, including any extended data and supplementary information. Is the reporting of data and methodology sufficiently detailed and transparent to enable reproducing the results?
    • Appropriate use of statistics and treatment of uncertainties: All error bars should be defined in the corresponding figure legends; please comment if that’s not the case. Please include in your report a specific comment on the appropriateness of any statistical tests, and the accuracy of the description of any error bars and probability values.
    • Conclusions: Do you find that the conclusions and data interpretation are robust, valid and reliable?
    • Suggested improvements: Please list additional experiments or data that could help strengthening the work in a revision.
    • References: Does this manuscript reference previous literature appropriately? If not, what references should be included or excluded?
    • Clarity and context: Is the abstract clear, accessible? Are abstract, introduction and conclusions appropriate?
    • Please indicate any particular part of the manuscript, data, or analyses that you feel is outside the scope of your expertise, or that you were unable to assess fully.
    • Please address any other specific question asked by the editor via email.

Mailing Address
Nepal Insurance and Risk Management Association (NIRMA)
Kathmandu, Nepal

Privacy Statement

Nepal Journals Online (NepJOL) is a member of the Ubiquity Partner Network coordinated by Ubiquity Press. According to the EU definitions, NepJOL is the data controller, and Ubiquity Press are the service providers and data processors. Ubiquity Press provide the technical platform and some publishing services to NepJOL and operate under the principle of data minimisation where only the minimal amount of personal data that is required to carry out a task is obtained.

More information on the type of data that is required can be found in Ubiquity Press’ privacy policy below.

Ubiquity Press Privacy Policy

We take seriously our duty to process your personal data in a fair and transparent way. We collect and manage user data according to the following Privacy Policy. This document is part of our Terms of Service, and by using the press portal, affiliated journals, book, conference and repository websites (the “Websites”), you agree to the terms of this Privacy Policy and the Terms of Service. Please read the Terms of Service in their entirety, and refer to those for definitions and contacts.

What type of personal data do we handle?

There are four main categories of personal data stored by our journal platform, our press platform, and our book management system; Website User data, Author data, Reviewer data and Editor data.

The minimum personal data that are stored are:

  • full name
  • email address
  • affiliation (department, and institution)
  • country of residence

Optionally, the user can provide:

  • salutation
  • gender
  • associated URL
  • phone number
  • fax number
  • reviewing interests
  • mailing address
  • ORCiD
  • a short biography
  • interests
  • Twitter profile
  • LinkedIn profile
  • ImpactStory profile
  • profile picture

The data subjects have complete control of this data through their profile, and can request for it to be removed by contacting

What do we do to keep that data secure?

We regularly backup our databases, and we use reliable cloud service providers (Amazon, Google Cloud, Linode) to ensure they are kept securely. Backups are regularly rotated and the old data is permanently deleted. We have a clear internal data handling policy, restricting access to the data and backups to key employees only. In case of a data breach, we will report the breach to the affected users, and to the press/journal contacts within 72 hours.

How do we use the data?

Personal information is only used to deliver the services provided by the publisher. Personal data is not shared externally except for author names, affiliations, emails, and links to ORCiD and social media accounts (if provided) in published articles and books which are displayed as part of the article/book and shared externally to indexes and databases. If a journal operates under open peer review then the reviewer details are published alongside the reviewer details.

How we collect and use your data:

1. When using the website

1.1 what data we collect

  • When you browse our website, we collect anonymised data about your use of the website; for example, we collect information about which pages you view, which files you download, what browser you are using, and when you were using the site.
  • When you comment on an article or book using Disqus, we are not collecting, controlling or processing the data. More details on the DISQUS privacy policy can be found on their website.
  • When you annotate an article or book, this is done via a 3rd party plugin to the website called In using this plugin we are not collecting, controlling or processing the data. More details on the privacy policy can be found on their website.

1.2 why we collect the data

  • We use anonymised website usage data to monitor traffic, help fix bugs, and see overall patterns that inform future redesigns of the website, and provide reports on how frequently the publications on our site have been accessed from within their IP ranges.

1.3 what we do (and don’t do) with the data

  • We do not collect personal information that can be used to identify you when you browse the website.
  • We currently use Google Analytics for publication reports, and to improve the website and services through traffic analysis, but no personal identifying data is shared with Google (for example your computer’s IP is anonymised before transmission).

1.4 what to do if you want to get a copy of your data, or want your data to be removed

  • Please contact to request a copy of your data, or for your data to be removed/anonymised.

2. When registering as an author, and submitting an article or book

2.1 what data we collect

  • When registering an account we ask you to log in and provide certain personal information (such as your name and email address), and there is the option to register using an ORCiD which will pre-fill the registration form.
  • As part of submitting an article for publication, you will need to provide personally identifying information which will be used for the peer review process, and will be published. This can include ‘Affiliation’, ‘Competing interests’, ‘Acknowledgements’.

2.2 why we collect the data

  • Registering an account allows you to log in, manage your profile, and participate as an author/reviewer/editor. We use cookies and session information to streamline your use of the website (for example in order for you to remain logged-in when you return to a journal). You can block or delete cookies and still be able to use the websites, although if you do you will then need to enter your username and password to login. In order to take advantage of certain features of the websites, you may also choose to provide us with other personal information, such as your ORCiD, but your decision to utilize these features and provide such data will always be voluntary.
  • Personal data submitted with the article or book is collected to allow follow good publication ethics during the review process, and will form part of the official published record in order for the provenance of the work to be established, and for the work to be correctly attributed.

2.3 what we do (and don’t do) with the data

  • We do not share your personal information with third parties, other than as part of providing the publishing service.
  • As a registered author in the system you may be contacted by the journal editor to submit another article.
  • Any books published on the platform are freely available to download from the publisher website in PDF, EPUB and MOBI formats on the publisher’s site.
  • Any personal data accompanying an article or a book (that will have been added by the submitting author) is published alongside it. The published data includes the names, affiliations and email addresses of all authors.
  • Any articles published on the platform are freely available to download from the publisher website in various formats (e.g. PDF, XML).
  • Ubiquity Press books and articles are typeset by SiliconChips and Diacritech.This process involves them receiving the book and book associated metadata and contacting the authors to finalise the layout. Ubiquity Press work with these suppliers to ensure that personal data is only used for the purposes of typesetting and proofing.
  • For physical purchases of books on the platform Ubiquity Press use print on demand services via Lightning Source who are responsible for printing and distribution via retailers. (For example; Amazon, Book Repository, Waterstones). Lightning Source’s privacy policy and details on data handling can be found on their website.

2.4 why we store the data

  • We store the account data so that you may choose to become a reviewer and be able to perform those tasks, or to become an author and submit an article and then track progress of that article.
  • Published personal data that accompanies an article or a book forms part of the official published record in order for the provenance of the work to be established, and for the work to be correctly attributed.

2.5 what to do if you want to get a copy of your data, or want your data to be removed

  • You are able to view, change and remove your data associated with your profile. Should you choose to completely delete your account, please contact us at and we will follow up with your request as soon as possible.
  • To conform to publication ethics and best practice any personal data that is published alongside an article or book cannot be removed. If you have a query about a publication to which you are attributed please contact

3. When registering as a reviewer

3.1 what data we collect

  • To become a reviewer you must first register as a user on the website, and set your preference that you would like to be considered as a reviewer. No new personal data is collected when a registered user elects to become a reviewer.
  • When registering an account we ask you to log in and provide certain personal information (such as your name and email address), and there is the option to register using an ORCiD which will pre-fill the registration form.
  • Reviewers can also be registered by editors who invite them to review a specific article. This requires the editor to provide the reviewer’s First Name, Last Name, and Email address. Normally this will be done as part of the process of inviting you to review the article or book.
  • On submitting a review, the reviewer includes a competing interest statement, they may answer questions about the quality of the article, and they will submit their recommendation.

3.2 why we collect the data

  • The data entered is used to invite the reviewer to peer review the article or book, and to contact the reviewer during and the review process.
  • If you submit a review then the details of your review, including your recommendation, your responses to any review form, your free-form responses, your competing interests statement, and any cover letter are recorded.

3.3 what we do (and don’t do) with the data

  • This data is not shared publicly and is only accessible by the Editor and system administrators of that journal or press.
  • The data will only be used in connection with that journal or press.
  • Data that is retained post final decision is kept to conform to publication ethics and best practice, to provide evidence of peer review, and to resolve any disputes relating to the peer review of the article or book.
  • For journals or presses that publish the peer reviews, you will be asked to give consent to your review being published, and a subset of the data you have submitted will become part of the published record.

3.4 what to do if you want to get a copy of your data, or want your data to be removed

  • If you would no longer like to be registered as a reviewer you can edit your profile and tick the box ‘stop being a reviewer’. This will remove you from the reviewer database, however any existing reviews you may have carried out will remain.
  • If you have been contacted by an editor to peer review an article this means that you have been registered in the system. If you would not like to be contacted for peer review you can reply to the email requesting that your data be deleted.

4. When being registered as a co-author

4.1 what data we collect

  • Co-author data is entered by the submitting author. The submitting author will already have a user account. According to standard publishing practice, the submitting author is responsible for obtaining the consent of their co-authors to be included (including having their personal data included) in the article/book being submitted to the journal/press.
  • The requested personal data for co-authors are at the bare minimum; first name, last name, institution, country, email address. This can also include; ORCID ID, Title, Middle Name, Biographical Statement, Department, Twitter Handle, Linkedin Profile Name or ImpactStory ID.

4.2 why we collect the data

  • Assuming that it is accepted for publication, this data forms part of the official published record in order for the provenance of the work to be established, and for the work to be correctly attributed.
  • Author names, affiliations and emails are required for publication and will become part of the permanent cited record.

4.3 what we do (and don’t do) with the data

  • The co-author’s personal data is stored in the author database. This personal data is only used in relation to the publication of the associated article.
  • Any co-author data collected is added to the author database and is only used in association with the article the user is co-author on.

4.5 what to do if you want to get a copy of your data, or want your data to be removed

  • To receive a copy of your data, please contact
  • To conform to publication ethics and best practice any personal data that is published alongside an article or book cannot be removed. If you have a query about a publication to which you are attributed please contact

5. When signing-up to receive newsletters

5.1 what data we collect

  • We require you to include your name and email address

5.2 why we collect and store the data, and for how long

  • This data would be collected to keep you updated with any news about the platform or specific journal

5.3 what we do (and don’t do) with the data

  • We use mailchimp to provide our mailing list services. Their privacy policy can be found here

5.4 what to do if you want to get a copy of your data or want your data to be removed

  • All emails sent via our newsletter client will include a link that will allow you to unsubscribe from the mailing list

Notification about change of ownership or of control of data

We may choose to buy or sell assets. In the case that control of data changes to or from Ubiquity Press and a third party, or in the case of change of ownership of Ubiquity Press or of part of the business where the control of personal data is transferred, we will do our best to inform all affected users and present the options.

(Updated: 18 May 2018)