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Bista, Raghu Bir
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Determinants of Bank Liquidity in Nepal Bista, Raghu Bir; Basnet , Priyanka
Quantitative Economics and Management Studies Vol. 1 No. 6 (2020)
Publisher : Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (547.396 KB) | DOI: 10.35877/454RI.qems223

Abstract

This paper examines determinants of bank liquidity of the commercial bank in Nepal based on 12 years long time series data base from 2004 to 2015, employing the econometric model. As a result, the bank liquidity of the commercial bank has fluctuation and instable trend line indicating the risk of liquidity crunch. Similarly, deposit, capital adequacy, remittance and bank size are determinants of bank liquidity of the commercial bank out of which deposit is prevalent to increase bank liquidity and capital adequacy is key to decrease it. In long term, capital adequacy, bank size and government expenditure increase bank liquidity of the commercial bank but deposit decreases it. Thus, internal variables influence bank liquidity more than macroeconomic variables. Therefore, the commercial banks should maintain bank liquidity in short period and in long period for achievement of financial health, stability and growth as per mention regulatory provisions and criteria of the monetary policy and the monetary policy should be formulated to maintain short and long term bank liquidity in accordance with IMF standards and guidelines for reducing the potential risk of liquidity crunch as result of the variation of macro-economic variables and of international global trade and oil price and production.
Measuring Determinants of Time Deposit in the Commercial Banks in Nepal Bista, Raghu Bir; Basnet, Priyanka
ARRUS Journal of Social Sciences and Humanities Vol. 2 No. 1 (2022)
Publisher : Lembaga Penelitian dan Pengembangan Teknologi dan Rekayasa, Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/soshum713

Abstract

A time deposit is one of the major sources of liquidity of the commercial bank to maintain money supply to the demand of business and household sector. In this context, an interesting query is the determinants of time deposit. This paper measures the determinants of time deposit in the commercial banks of Nepal based on 15 years’ time series data sets from 2000-01 to 2017-18 of the sample commercial banks published by the central bank of Nepal. Using descriptive statistics and multiple regression models as the analytical tools, the paper has found a fluctuating trend of liquidity in the commercial banks but the inclining trend of external and internal variables including GDP, Deposit, Capital, Size of Bank, remittance, and public debt. In this trend, the liquidity of the commercial banks depends significantly on time deposits and remittance inflow. Besides, the positive trend of time deposit from 1994-95 to 2017-18 has caused the positive trend of total deposit from 1994-95 to 2017-18. Additionally, the paper has found that GDP per capita, US exchange rate, interest rate, and the branch of the bank are positively and significant determinants to the time deposit of the commercial bank but the inflation rate is negatively and determinant with significance. The internal variables are more determinants than the external variables to the time deposits. It is clear that time deposit is a reliable and long-term source to main the bank liquidity of the commercial bank for their financial stability and performance depends on more the internal variables than the external variables. Therefore, the commercial bank should reform as mentioned in the monetary policy and money market dynamics to improve the competitiveness and smartness of bank policy including interest rate policy and branch of the commercial banks for effective mobilization of the scattered small resources all over the country for the higher rate of capital formation, investment, and economic growth.
Economics of Community-Based Disaster Management and Household Participation: Evidence of The Western Nepal Bista, Raghu Bir
ARRUS Journal of Social Sciences and Humanities Vol. 2 No. 2 (2022)
Publisher : Lembaga Penelitian dan Pengembangan Teknologi dan Rekayasa, Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/soshum722

Abstract

This paper examines households' participation in community-based disaster management in western Nepal based on the secondary and primary data sets under the framework of explorative and descriptive statistics. As a result of the study, multi-hazards occurred. Out of these multi-hazards, the catchment areas and the community were disaster-prone by flood and landslide more than other hazards: insects, drought, animals, etc. in terms of severity and frequency. Further, the community-based disaster management that was proactive and participatory to assess disasters, hazard locations, and their impacts made stakeholders to the community for their participation, ownership, and resilience. In community-based disaster management, the household was actively participatory not only in pre-disaster, disaster, and post-disaster focusing on preparedness and planning more than rescue and reconstruction, rehabilitation, and recovery. Its economic cost is 78 mean days per household. It is 21 percent of a year (365 days) calendar. Its mean wage income loss is 39000 Nepali Rupees (330 USD) per annum that is 30 percent of 1071 USD per capita. Thus, the rural household has a significant economic cost of CBDMG activity to be resilient from multi natural hazards. However, it can reduce multi times the disastrous cost to them. Its outcome may not be positive to household income, welfare, and poverty reduction. Thus, the community-based disaster management approach is effective was in terms of less time, fewer resources but the quick response.
Measuring Determinants of Time Deposit in The Commercial Banks in Nepal Bista, Raghu Bir; Basnet, Priyanka
Quantitative Economics and Management Studies Vol. 3 No. 1 (2022)
Publisher : Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.qems721

Abstract

Time deposit is one of major source of liquidity of the commercial bank to maintain money supply to the demand of business and household sector. In this context, an interesting query is the determinants of time deposit. This paper measures the determinants of time deposit in the commercial banks of Nepal based on 15 years’ time series data sets from 2000-01 to 2017-18 of the sample commercial banks published by the central bank of Nepal. Using descriptive statistics and multiple regression models as the analytical tools, the paper has found fluctuating trend of liquidity in the commercial banks but inclining trend of external and internal variables including GDP, Deposit, Capital, Size of Bank, remittance and public debt. In this trend, the liquidity of the commercial banks depends significantly on time deposit and remittance inflow. Besides, the positive trend of time deposit from 1994-95 to 2017-18 has caused the positive trend of total deposit from 1994-95 to 2017-18. Additionally, the paper has found that GDP per capita, US exchange rate, interest rate and the branch of the bank are positively and significantly determinants to the time deposit of the commercial bank but inflation rate is negatively and determinant with significance. The internal variables are more determinants than the external variables to the time deposits. It is clear that time deposit is a reliable and long-term source to main the bank liquidity of the commercial bank for their financial stability and performance depends on more the internal variables than the external variables. Therefore, the commercial bank should reform as mentioned in the monetary policy and money market dynamics to improve the competitiveness and smartness of bank policy including interest rate policy and branch of the commercial banks for effective mobilization of the scattered small resources all over the country for higher rate of capital formation, investment, and economic growth
Co-Authors Basnet , Priyanka Basnet, Priyanka