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All Journal Journal of Commerce Management and Tourism Studies Kajian Pendidikan, Seni, Budaya, Sosial dan Lingkungan
Chaurasiya, Dr. Sneha
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Arts Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Impact of financial literacy on investment decisions: evidence from the nepal stock market Ghimire, Shiva Raj; Agarwal, Dr. Nirdosh Kumar; Chaurasiya, Dr. Sneha
Journal of Commerce, Management, and Tourism Studies Vol. 4 No. 3 (2025): Dec 2025
Publisher : YAYASAN MITRA PERSADA NUSANTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58881/jcmts.v4i3.402

Abstract

This study aims to investigate the impact of financial literacy on investment decision-making in the Nepal Stock Market. It particularly focuses on identifying disparities in financial literacy levels among investors and provides insights to inform policymakers and stakeholders in enhancing financial education programs across Nepal. A causal-comparative research design was employed, targeting investors in the Kathmandu Valley and representing all seven provinces of Nepal. Using a convenience sampling method, data were collected from 250 investors through a structured questionnaire. Analytical methods like descriptive statistics, correlation analysis, and multivariate regression were used to examine how different aspects of financial literacy—like knowledge, awareness, experience, skills, ability, and goals—affect investment decisions. The findings reveal that financial literacy significantly influences investment behavior, though the extent of influence varies across its components. Financial Knowledge (FKW) had a notably strong positive impact on investment decisions. Financial Awareness (FAW), Financial Experience (FEX), and Financial Skills (FSK) showed moderate effects. Financial Capability (FCP) emerged as a key determinant, while Financial Goals (FGL) exerted a substantial influence on decision-making. This study provides empirical evidence of the role of financial literacy in shaping investment behavior within the Nepalese context—a relatively underexplored area. It offers practical recommendations for enhancing financial literacy through personalized education programs, accessible learning resources, and institutional integration. These insights are valuable for fostering a more informed, rational, and inclusive investment environment in Nepal.
Penglipuran village’s cultural traditions and local wisdom shaping a distinctive, sustainable tourist destination in highland Bali Sumartini, Ni Komang Ayu; Santra, I Ketut; Sumartana, I Made; Chaurasiya, Dr. Sneha; Ahmad, Hauwa Sani
Kajian Pendidikan, Seni, Budaya, Sosial dan Lingkungan Vol. 3 No. 1 (2026): (INPRESS 2026)
Publisher : Yayasan Mitra Persada Nusantara

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Abstract

Penglipuran Village, located in Bali, has become one of the famous tourist destinations thanks to its uniqueness in maintaining traditional culture and architecture. The purpose of writing this paper is to dig deeper into the attractiveness of Penglipuran Village as a tourist destination, as well as to understand the factors that make it special compared to other tourist villages in Bali. The research methods used in this paper include literature studies from various sources, such as scientific articles, tourism journals, and official websites that examine the development of Penglipuran Village as a tourist destination. In addition, data is also collected through observation and analysis of tourist visit reports. The discussion in this paper includes the history and development of Penglipuran Village, village management in maintaining cultural preservation, and the impact of tourism on the local community. The analysis shows that the uniqueness of traditional architecture, clean environment, and strong traditional values are the main attractions that maintain the popularity of this village as an authentic tourist destination. The conclusion of this paper is that Penglipuran Village has succeeded in combining tourism with the preservation of local culture, so that it becomes a model that is worthy of imitation in the development of other tourist villages in Indonesia. The preservation of tradition and the commitment of the local community in maintaining the beauty of the village is the key to the success of this village as a leading tourist destination.
Co-Authors Agarwal, Dr. Nirdosh Kumar Ahmad, Hauwa Sani Ghimire, Shiva Raj I Ketut Santra Sumartana, I Made Sumartini, Ni Komang Ayu