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All Journal Journal of Commerce Management and Tourism Studies
Binay Shrestha
Birgunj Public College, Tribhuvan University Nepal
Humanities Economics, Econometrics & Finance Social Sciences

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Financial knowledge and investment choices: Evidence from individual investors in the Nepal stock exchange Binay Shrestha; Neha Agrawal; Sneha Chaurasiya; Nirdosh Agarwal; B.M. Sajedul Karim; Asma Khan
Journal of Commerce, Management, and Tourism Studies Vol. 5 No. 2 (2026): August 2026
Publisher : YAYASAN MITRA PERSADA NUSANTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58881/jcmts.v5i2.488

Abstract

Financial knowledge has become an essential determinant of investment behaviour, particularly in emerging capital markets where individual investors often encounter information asymmetry and market volatility. This study aims to examine the influence of financial knowledge on the investment choices of individual investors participating in the Nepal Stock Exchange (NEPSE). Specifically, it investigates how investors' understanding of financial concepts, risk diversification, portfolio management, and market information contributes to rational investment decision-making. This study employed a quantitative research design using a cross-sectional survey. Primary data were collected through structured questionnaires distributed to individual investors actively trading on the Nepal Stock Exchange. A purposive sampling technique was adopted to select respondents with investment experience in the stock market. The collected data were analysed using descriptive statistics, reliability and validity tests, Pearson correlation analysis, and multiple regression analysis to examine the relationship between financial knowledge and investment choices. The findings indicate that financial knowledge has a positive and statistically significant influence on investment choices. Investors with higher levels of financial knowledge demonstrate greater confidence in evaluating investment opportunities, diversifying portfolios, managing financial risks, and making informed investment decisions. Furthermore, financial knowledge reduces reliance on speculative behaviour and emotional decision-making while encouraging systematic investment strategies based on market information and financial analysis. The study concludes that enhancing financial knowledge among individual investors can improve the quality of investment decisions and promote more efficient participation in Nepal's capital market. These findings provide valuable implications for policymakers, financial institutions, regulatory authorities, and investor education programs seeking to strengthen financial capability and foster sustainable growth in the Nepal Stock Exchange.
Influence of digital finance service worth on customer satisfaction in Nepal Binay Shrestha; Neha Agrawal
Journal of Commerce, Management, and Tourism Studies Vol. 2 No. 3 (2023): Dec 2023
Publisher : YAYASAN MITRA PERSADA NUSANTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58881/jcmts.v2i3.106

Abstract

Customer satisfaction is a major factor to sustain competitive advantage in the present dynamic and competitive environment for the organisations. The present research work is conducted to find how customers of Nepalese banks are happy with online banking system. Primary data is collected through the questionnaire developed from SERVPERF model on 5-point Likert scale. A sample sizes of 335 total respondents taken as for data collection. The research is descriptive, causal comparative in nature. Variables included in the study are tangibles, reliability, assurance, responsiveness, empathy as exogenous variables and customer satisfaction with e-banking service quality as endogenous variable. The data analysis were performed through the techniques:- descriptive statistics, correlation, multiple regression.Results of the study showed  influenceof independent variables in all categories is positive and significant on dependent  with R2 value of 0.627 which means 62.7% change in endogenous variable is due to exogenous variables and rest 37.3% is due to the other factors outside the model. Study shows that customers of Nepal are appropriatelycontended with the digital banking system in Nepalese banks. Assurance have been found as highest determining factor for customer satisfaction in e-banking services in Nepal followed by reliability and empathy.
Transforming PAS file management through digital technologies Ni Nyoman Supiatni; I Putu Agus Dharma Putra; Muhammad Ahmad Mazher; B.M. Sajedul Karim; Binay Shrestha
Journal of Commerce, Management, and Tourism Studies Vol. 3 No. 2 (2024): Aug 2024
Publisher : YAYASAN MITRA PERSADA NUSANTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58881/jcmts.v3i2.211

Abstract

In the current era of globalization, digitization has become a significant advancement, often utilized by companies to streamline administrative processes and reduce reliance on paper-based systems. This research explores the effectiveness of using Google Drive for the monthly accumulation of Passenger Service Charge (PSC) files at PT. API. It aims to assess how digital technology can optimize administrative tasks, particularly the storage and management of PAS files. Additionally, the study outlines the procedural steps involved in the accumulation of these files, offering insights into improving service efficiency. The research is conducted through interviews, observations, and documentation at the airport, using qualitative methods to analyse the collected data. The process involves data reduction, summarization, and drawing conclusions to determine how effectively Google Drive enhances the company's file management system. The expected outcomes will provide PT. API with practical recommendations to optimize its PAS file accumulation process and improve overall service efficiency.
Co-Authors Asma Khan B.M. Sajedul Karim I Putu Agus Dharma Putra Muhammad Ahmad Mazher Neha Agrawal Ni Nyoman Supiatni Nirdosh Agarwal Sneha Chaurasiya