Volume 1 Issue 2 July – December 2024

Abstract

The research aims to figure out how price affects a consumer's buying decision. Moreover, this study investigates the future of electric cars in India. Using a Questionnaire survey, we collected data from one hundred respondents who either already have a car or are willing to purchase along with adults in general from Punjab, India. The results of the study indicate that income is a big factor in the purchase of such cars because these cars fall on the steeper side. EVs contribute to a better environment, and this is possible when many people get to use them, which is possible when prices are moderate. This study suggests that if a buyer buys an electric car there should be forethought about the tax relaxation in that particular year or the next five years; this will grow the number of electric cars. Keywords: Consumer Buying Behavior, Electronic Cars, Environment.

Abstract

The study intends to investigate the effect of "Financial Performance of Commercial Banks in Nepal". The data was collected for the study from 10 commercial banks of 8 years of data from 2014/2015 to 2021/2022. The study employed descriptive and causal-comparative research designs, utilizing correlation and regression analyses for research investigation. Correlation analysis reveals the relationships between different financial indicators. The analysis of financial indicators highlights the importance of factors such as capital adequacy, asset quality, management efficiency, and earnings in driving profitability. Maintaining a strong capital base and high asset quality positively impacts profitability, while effective management practices significantly contribute to financial performance. Although not statistically significant, the cash reserve ratio may still indirectly influence profitability. The examined factors explain a significant proportion of the Return on assets and net profit margin variation. Incorporating these factors into decision-making and strategy development can enhance the organization's financial performance and sustainable growth. In conclusion, maintaining a strong capital base, high asset quality, efficient management practices, and favourable earnings are essential for enhancing financial performance in commercial banks. Strategic financial planning, risk management, and capital allocation can strengthen the capital base. Effective risk management strategies and promptly addressing non-performing assets are crucial for maintaining high asset quality. Optimizing processes, fostering collaboration, and investing in training can improve management efficiency. Diversifying revenue streams and monitoring vital financial metrics can drive profitability. Incorporating these factors into decision-making and developing strategies to leverage their positive effects can improve financial performance, competitiveness, and sustainable growth in the banking industry. Keywords: Capital adequacy, Asset quality, Management efficiency, Profitability, Cash reserve ratio, Return on assets, Net profit margin

Abstract

Financial Literacy is an important element for saving and investment decision. Risk tolerance plays a vital role in an individual’s choice of investment unit. The main objective of this research is to examine the relationship between financial literacy, risk tolerance, saving and investment decision as well to assess the difference in the saving, investment in insurance, investment in mutual fund, investment in bond and investment in stock with regard to the knowledge of financial literacy, level of financial risk tolerance also to examine the effect of financial literacy and financial risk tolerance on saving and investment decision. The study collected primary data by using five point Likert scale questionnaire technique from 299 respondents who are the bank customer of Tilottama municipality. Study based on descriptive and causal comparative research design. This research used quantitative mode for data gathering for the purpose of study. Mainly structured questionnaires survey was used to generate responses based on which analysis is done to test hypothesis. The sampling technique for the study followed saving and investment as dependent variable whereas financial literacy and risk tolerance as independent variable. The correlation and regression analysis result was generated from SPSS software available in the library of Lumbini Banijya Campus. Result of the study have revealed that there is a significant relationship between financial literacy and risk tolerance in saving and investment decision. Likewise, it is found there is association between saving, investment in bond, investment in mutual fund and investment in stock with regard to the level of financial literacy and risk tolerance. Key words: Financial Literacy, Risks Tolerance, Saving and Investment.

Abstract

Investment can be defined as an existing commitment of cash in expectation of a favorable rate of return in the years to come. Investors are people who invest money in the hopes of making a profit. Understanding individuals' investment behaviour is critical. This study was conducted in Nepal's Rupandehi district's Butwal Sub-Metropolitan. A quantitative research design was used for this study. Given the size and diversity of the investor group, the study used a convenience sampling technique with a structured questionnaire. Analysis was done through ANOVA tests along with correlation and regression tests. The investment decision was found significant to information, economic, and psychological factors. It is found that economic factors and psychological factors have the most potent positive effect on investment decisions, with standardized coefficients of 0.908 and 0.348, respectively. In contrast, information factors have a weaker relationship with a coefficient of 0.298. Overall, the study concludes that economic and psychological factors are crucial in predicting investment decisions, highlighting the need for investors to be aware of both market conditions and their emotional states when making investment choices. Investors should pay close attention to both economic indicators and their own psychological biases when making investment decisions. Key words: Investment, Behaviour, Decision, Information, Economic, Psychological.

Abstract

The purpose of this study is to determine which QWE dimensions are most important to Nepalese commercial bank staff and to assess the effect of QWE dimensions on their work satisfaction. The study also examines differences in the importance of the QWE dimension and job satisfaction among commercial bank employees of various genders, ages, literacy levels, and marital status. Thereby, this study investigates the effect of strong quality work ethics on job satisfaction among commercial bank staff. A questionnaire was sent out to 85 employees who work in 10 commercial banks in Sainamaina municipal to gather information on quality work ethics and job satisfaction. SPSS was used to analyses the information. The study's findings showed that positive work ethics are associated with job satisfaction. The above finding suggest that quality work ethics is among the key attributes to increasing level of job satisfaction as well as other organizational outcomes. It is critical for managers to know that increasing employee job satisfaction can result in higher organizational commitment and efficiency. Key Words: Quality Work Ethics, Job Satisfaction, Care, Regulation, Instrument, Hard Work and Work Goal

Abstract

Absenteeism is a major problem faced by almost all employers of today. Employee absenteeism is a costly personnel issue that has drawn the attention of both theorists and practitioners. Employee absence rates and their impact on productivity are hot topics in many countries, as high rates of employee absence may indicate poor management relations, resulting in low productivity. The goal of this study is to investigate and comprehend the most prevalent factors that have a significant impact on absenteeism among commercial bank employees. The purpose of this study, confirmatory factor analysis was performed. In addition to that, independent t-test, and One-way ANOVA, was conducted to find out the group difference among the variable. A questionnaire is being developed to investigate the cause of absenteeism. The questionnaire is distributed to a convenience sample of 101 commercial bank employees. The specific goals were to examine employee attitudes towards absenteeism and the impact of demographic factors on absenteeism. In SPSS, descriptive statistics, factor analysis, and reliability analysis were used to analyses the results. The study looked at the relationship between employee absenteeism and job satisfaction, health status, family responsibility, working conditions, employee relations, and occupational stress. The findings of this study will be useful in addressing absenteeism and improving productivity in Nepal's commercial banking sector. Working conditions, job satisfaction, health status, family responsibilities, employee relations, and occupational stress were found to have a significant impact on employee absenteeism. The study highlights the importance of addressing these factors to improve the work environment, reduce stress, and decrease absenteeism. The study provides valuable insights for managers and policymakers to tackle employee absenteeism and improve organizational performance in the Nepalese banking sector. Future research should consider a larger sample size and more factors to enhance accuracy. Key words: Employee Absenteeism, Job satisfaction, Factor analysis and Commercial bank.