...CHAPTER 1 INTRODUCTION 1.1 Background Due to increased globalization competition has virtually cross is extremes globally and Nepal is not an exception to it. The degree of world converging economy and unchallenged dominance of develop nation has proved to suppressing developing countries to a larger extent. India a developing nation has proved to withstand itself as an exception to this challenge all because of its efficient and effective human resource. The capability of human resource and its retention within determines the development of any economy and nation as a whole. Nepal Bank Limited being the first bank of Nepal, is a pioneer banking institution of Nepal. Nepal Bank Limited seeks to provide and Environment within which the bank can bring unique financial value and service to all customers. Being a sound institution where depositors have continue to have faith in the security of their fund and receive reasonable returns. Borrowers are assured of appropriate credit facilities at reasonable prices. Other service seekers receive prompt and attentive service at reasonable cost through its extensive branch networks around the country. Beside this NBL has been providing various modern banking products and services to its customers. For this to take place I enrolled with NBL kalimati branch as an intern for the period of two months. The help desk service includes the services of account opening, balance inquiry, publishing account statement, issuing cheque...
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...Introduction Introduction: A Bank is a financial institution and a financial intermediaries that accepts deposit and channels those deposits into lending activities, either directly by loaning or indirectly through capital markets. A bank is the connection between customers that have capital deficits and customers with capital surpluses. Due to their influence within a financial system and an economy, banks are generally highly regulated in most countries. Most banks operate under a system known as fractional reserve banking where they hold only a small reserve of the funds deposited and lend out the rest for profit. They are generally subject to minimum capital requirements which are based on an international set of capital standards, known as the Basel Accord. Banking Banking in the modern sense of the word can be traced to medieval and early Renaissance Italy, to the rich cities in the north like Florence Lucca, Siena, Venice and Genoa. The Bardi and Peruzzi families dominated banking in 14th century Florence, establishing branches in many other parts of Europe. One of the most famous Italian banks was the Medici Bank, set up by Giovanni di Bicci de' Medici in 1397. The earliest known state deposit bank, Banco di San Giorgio (Bank of St. George), was founded in 1407 at Genoa, Italy. Origin of the word “bank” The word bank was borrowed in Middle English from Middle French banque, from Old Italian banca, from Old High German banc, bank "bench, counter". Benches were used...
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...A STUDY ON TRAINING AND MICRO CREDIT PROGRAM OF CENTER FOR WOMEN’S RIGHT AND DEVELOPMENT Submitted By: A fieldwork report Submitted to: Shanker Dev Campus Tribhuvan University In partial fulfillment of the requirements for the degree of Bachelor of Business Studies Ramshahpath, Putalisadak, Kathmandu June, 2006 Faculty of Management TRIBHUVAN UNIVERSITY RECOMMENDATION This is to certify that the fieldwork assignment report Submitted by: Entitled A Study on Training and micro credit and development Program of Center for women right and development Has been prepared as approved by this department. This fieldwork assignment report is forwarded for examination. Supervisor Date… Head of the Dept Shanker Dev Campus ACKNOWLEDGEMENTS While preparing this Fieldwork Report of Centre for women’s Right and Development on Training and Micro credit Programme. I received the kind assistance of many people, most of whom are directly involved in micro credit & Savings program within CWRD and also the borrowers. The names of those whose knowledge helped shape this report writing are...
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...AN INTERSHIP REPORT ON Customer Service Department & Remittance Department OF Nepal BANK LIMITED Submitted By: Birat Raut Everest Engineering & Management College Exam Roll No.: 11450214 PU Registration Number: 2010-2-45-0165 BBA-BI 6th Semester Submitted To: Office of the Dean Faculty of Management Pokhara University In the partial fulfillment of the requirement for the degree of Bachelor in Business Administration –Banking & Insurance (BBA-BI) Sitapaila, Kathmandu Date: 21st September, 2013 INTRODUCTION Nowadays, people are becoming more aware about the importance of education. Due to this reason, many schools and colleges are emerging every day. Among the various universities governing the colleges, Pokahara Univrsity (P.U.) is popular university of Nepal, which brings the courses with the demand of present scenario. So, with the increasing demand of the Management studies, P.U. has gradually prepared an innovative course in order to originate the competent professionals with the changing demands of corporate world since 2005 A.D. Among different management courses of P.U., Bachelor in Business Administration in Banking and Insurance (BBA-BI) is one of the best management courses which also includes the insurance sector. The BBA – B&I is a four-year program spread over eight semesters. A student needs to successful complete 126 credit hours of course work, project work and internship for graduation ...
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...Promotion and Microfinance of Kanchan™ Arsenic Filter in Rural Terai Region of Nepal Water is the most precious of all the elements, Just as gold is the most valuable of all goods, And just as the sun shines brighter than any star. (Greek poet Pindar) Final Report July 2005 Majka Serafini Abbreviations and Acronyms ADBN Agricultural Development Bank of Nepal CMF Centre for Microfinance CRM Cause Related Marketing GBB Grameen Bikas Bank GBR Grameen Bank Replicator GNP Gross National Product H/H Household INGO International non governmental organization KAF™ Kanchan Arsenic Filter NRCS Nepal Red Cross Society NDM 2005 Nepal Development Marketplace 2005 NGO Non-government Organization RMDC Rural Microfinance Development Centre Ltd. RDB Rural Development Bank SACCO Savings and Credit Cooperative Society SFCL Small Farmer Cooperative Ltd. SFDP Small Farmer Development Program SOS Share Our Strength organization SROI Social Return on Investment TP Total Population TW Tube Well UC User Committee VDC Village Development Committee Country Profile Economic and Social Context Average GNP per capita Population Population density Literacy Rate % Approx. $240 25.3 million (est.) 172 inhab/km2 (est.) 53.74 (est.) Inflation 2004 2005 4.0% 5.5% 2 TABLE OF CONTENTS A. INTRODUCTION .......................................................................................................................5 POVERTY IN NEPAL ................................................
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...Journal of Sustainable Development November, 2009 Green Road Approach in Rural Road Construction for the Sustainable Development of Nepal Abhiman Das Mulmi Department of Roads Ministry of Physical Planning and Works, Government of Nepal Babarmahal, Kathmandu, India Tel: 977-01-980-3483-776 Abstract Transport infrastructure provides a basis for economic activities in the rural areas in the long term. But the environment consequences cannot be neglected only foreseeing long term economic benefit. Difficult topography and unstable geology make the road construction difficult in the rural hills of Nepal. Beside, the predominantly absolute poverty in the region realizes the essence of the appropriate approach in the rural road construction. With its approach of constructing rural roads considering environment and rural poverty alleviation measures, Green road approach is proving to be a sustainable way of constructing rural roads. Environment friendly construction techniques, participatory and decentralization approach, optimum utilization of local resources, simple technology, local capacity building and self help efforts justified Green road approach as a best way of constructing rural roads in hill districts of Nepal. The study analyze the different aspects of green roads in Nepal on the basis of the basic themes define in the dictionary of the sustainable development. Keywords: Sustainable, Environment, Participatory, Green roads, Poverty alleviation 1. Introduction Nepal...
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...Literature Review on Remittance - Nepal Introduction Remittances are funds transferred from migrants to their home country. They are the private savings of workers and families that are spent in the home country for food, clothing and other expenditures, and which drive the home economy. For many developing nations, remittances from citizens working abroad provide an import source of much-needed funds. In some cases, funds from remittances exceed aide sent from the developed world, and are only exceeded by foreign direct investment (FDI). Remittances give countries the ability to fund development their own way; however, like a teenager flush with cash from a first job, developing countries first have to understand just what it takes to effectively use remittance funds. If it is to efficiently use these funds the country must first develop policies that promote smart, stable growth, and to ensure that growth is not solely concentrated in the cities. It is important to note that migrants do not only travel to the largest world economies for work; instead, they go where the likelihood of work is the highest. While construction-related jobs are often considered the job of choice, many workers flock to countries that are developing their economies as well. Commodity-rich countries have a high demand for labor as the prospect of rising commodity prices continues to remain a constant Research has also shown that migrants returning from working abroad have a higher propensity...
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...THE ROLE AND STATUS OF WOMEN IN NEPALESE SOCIETY Submitted to: Dr. Ek Raj Ojha Kathmandu College of Management Submitted by: Pragya Uprety Rabi Rayamajhi Manish Agrawal BBA Third Semester December 5, 2005 ACKNOWLEDGEMENTS “The role and status of women in Nepalese society “ is a group report presented for the partial fulfillment of the course of economic development. This report contains facts and figures that provide insight on the condition of majority of women in Nepal in the past as well as in the present. Moreover, it also highlights and emphasizes their role and importance in the context of economic development of the nation. We would like to express our sincere gratitude to all who have directly and indirectly co-operated with us in the preparation of this report. Specially, we would like to thank our college, Kathmandu College of Management (KCM) and Dr. Ek Raj Ojha , our course instructor for providing us with this opportunity. Lastly, we’d like thank Mr. Sujan karki for providing us with some of the references that proved to be of immense use while preparing this report. Sincerely, Pragya Uprety Rabi Rayamajhi Manish Agrawal and Anurag Joshi TABLE OF CONTENTS I. ACKNOWLEDGEMENTS…………………………………………………………2 II. INTRODUCTION…………………………………………………………………..5 A. The Urgency………………………………………………………………..6 B. Key facts……………………………………………………………………8 III. STATUS...
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...December 2009 The Apparel Industry in Australia1 1. 2. 3. 4. 5. 1. Executive Summary ................................................................................................................ 1 Market Entry............................................................................................................................ 1 Retail Channels....................................................................................................................... 4 Distribution Channels.............................................................................................................. 8 Market Resources................................................................................................................... 9 Executive Summary The Australian apparel market can be described as relatively small, competitive and well-serviced by domestic companies. Nonetheless, this market presents opportunities to Canadian business. Canada and Australia share similar cultures and lifestyle, for example, sports and the outdoors. This translates into similar fashion tastes and trends. Facing increasing pressure from inexpensive imports, competitive department stores and decreasing prices, Australian retailers are looking for new ways to compete. Some have differentiated by specializing and offering only a particular type of product, such as sportswear. Others sell exclusive product that cannot be found elsewhere. Most have moved to the mid- to high-end of the market...
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...Several studies (McKinnon, 1973; Levine, 1997) have reported that the efficacy of a financial system to reduce information and transaction costs plays an important role in determining the rate of savings, investment decisions, technological innovations and hence the rate of economic growth. Financial development of a country largely depends on effective mobilization of its internal resource. Banks and Financial institutions play pivotal role in the development of the country by performing the task of effective mobilization of its internal resources. It helps in growth of agriculture, trade, commerce and industry of national economy. The banking sector is largely responsible for collecting public deposit in various in various types and deploying these in the society by lending in different sectors of economy. It renders service to the people in financial matters, and its magnitude of action is extending day by day. A competitive banking system promotes the efficiency and therefore important for growth, but market power is necessary for stability in the banking system. Commercial bank holds a large...
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...position of Nepal Administrative Staff College and are those of the researchers. ACKNOWLEDGEMENT This research paper has been materialized in this form with the help of many individuals and institutions. First, the team extends profound gratitude to the respected respondents of banks and finance companies for their valuable and generous support without which the project would not have been successful. Similarly, we are thankful to the Research Committee of NASC and Research and Consulting Services Department for their continuous guidance, facilitation and support in this endeavor. ABSTRACT The study examines insiders' perspectives on the determinants of corporate governance in the Nepalese financial sector. For this, we use a 5-point Likert scale questionnaire developed by CLSA, modified and contextualized to Nepalese setting. The study reveals that whereas accountability, discipline, and transparency significantly and positively promote corporate governance, factors like fairness, responsibility, independence and social awareness have been unable to explain corporate governance. The study also evidences positive and significant role of classification policy of the central bank in promoting better governance. We suggest...
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...low-cost airlines? c)The nature of its workforce - will they be able to cope with the changes implemented in Airasia? Some of the staff are former employees of other full-service airlines; some of the old habits/norms are still with them.. etc etc 4. Technology a) Most of the bookings for Airasia is made through the internet.. The technology depends on the effectiveness of overall IT infrastructure. Some potential cutomers could have been lost due to technological problems. But, on the other hand, this internet technology could also be used to Airasia's advanatage because they are able to "virtually" reach potential customers from all parts of the world. b)Technological issues in the payment system. Banks, through their web-based, online banking systems, do influence...
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...INTRODUCTION Accountability and transparency are indispensable aspect of an efficient functioning system. A transparent system focuses on openness of the system through clear processes and procedures and easy access to public information. Increased transparency in the system can facilitate greater accountability and both when acted together improves quality of governance, increased organizational responsiveness, lowering of corruption, better delivery of services , improved citizen engagement and better budget utilization. The absence of accountability and transparency leads to mistrust and dissatisfaction towards the organization and its services. World Bank ranks Nepal at 3 in the Country Policy and Institutional Assessment (CPIA) transparency, accountability and corruption in the public sector rating (1=low to 6= high). The main dimensions for rating are accountability of executive to oversight institutions and of public employees for their performance and access of civil society to information on public affairs. Similarly, Nepal ranks with the score of 44 out of 100 in global budget transparency index which is the drop from 45 in 2010 according to open budget survey 2012. In a country like Nepal, where services provided by the private sector are expensive and not always accessible, the government is viewed as the key body providing public services. Citizens without much money, therefore, are reliant on the services provided by the government which be accessed in different...
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...14.5 MW MAI HYDROPOWER PROJECT FEASIBILITY STUDY Submitted by : Alish Bamanu Kumud Adhikari Akash mahat Bishal Shrestha Kumar Jeeva Tamang Submitted to : Yalam vaidya Kings College Table of Contents: SUMMARY ....................................................................................................................................... 1 SALIENT FEATURES ...................................................................................................................... 2 1. PROJECT BACKGROUND .................................................................................................... 4 2. THE PROJECT AREA ............................................................................................................ 4 3. REPORT INVESTIGATIONS ...................................................................................................... 5 4. BASIC STUDIES ................................................................................................................. ... 7 4.1 HYDROLOGY AND SEDIMENT STUDY .................................................................................... 7 4.2 POWER MARKET ................................................................................................................. 8 4.3 GOVERNMENT POLICY ......................................................................................................... 8 4.4 GEOLOGICAL AND GEOTECHNICAL STUDIES .............................
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...Jet airwaysMerger of Jet Airways & Air Sahara JET AIRWAYS INTRODUCTION Jet Airways (India) Ltd. is an airline based in Mumbai, India, operating domestic and international services. It operates over 330 daily flights to 50 destinations across the country and 6 overseas. Its main base is Chhatrapati Shivaji International Airport, Mumbai, with hubs at Indira Gandhi International Airport, Delhi, Anna International Airport, Chennai, Netaji Subhash Chandra Bose International Airport, Kolkata, Bangalore International Airport, Bangalore and Brussels Airport, Brussels According to the latest available figures, its share of India's domestic aviation market has increased to over 43% (up from less than 27% a few months ago), and this is still greater than any other Indian domestic operator's market share.[ HISTORY: Jet Airways was incorporated as an "air taxi" operator on 1 April 1992. It started commercial airline operations on 5 May 1993 with a fleet of 4 Boeing 737-300 aircraft. In January 1994 a change in the law enabled Jet Airways to apply for scheduled airline status, which was granted on 4 January 1995. It began international operations to Sri Lanka in March 2004. Plans to acquire rival Air Sahara, announced in January 2006, after some rough patches deal got through. The airline is owned by Tailwinds (owned by Naresh Goyal) (80%) and public shares (20%) and has 10,017 employees (at March 2007). Naresh Goyal, who already owned Jetair (Private) Limited (which provided...
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