The journal of economic concern/The journal of economic concerns, Dec 31, 2023
The use of plastic money has grown over time. Previously availed by a few, the use of plastic mon... more The use of plastic money has grown over time. Previously availed by a few, the use of plastic money amongst people with bank accounts has surged tremendously. In 2020, it was discovered that over 78 lakh individuals in Nepal utilized plastic money. This study aims to analyse determining factors that affect users' attitude toward plastic money in Kathmandu valley. The Kathmandu valley was chosen as the study location because people from many workgroups and locations travel here in quest of varied opportunities, resulting in a diverse range of viewpoints. Both primary and secondary data were used for gathering relevant information. Questionnaire of structured type was developed to gather the response from 404 respondents and convenient sampling method was employed for the selection of respondents. The data collected was analysed using ordered logistic regression. Findings from the study indicated that 95.79% respondents have knowledge regarding plastic money and users carry a positive attitude towards use of plastic money. However, if banks would enhance their ATM services, then respondents are more likely to use plastic money. This study thus concludes that though awareness about plastic money is gender neutral, however, males prefer to use plastic money more than female. Hence, the convenience, security and incentives brought in by cards over scores cash usage.
Interdisciplinary Journal of Innovation in Nepalese Academia
Taxi drivers around the world operate in a mobile environment that challenges the traditional con... more Taxi drivers around the world operate in a mobile environment that challenges the traditional concept of the workplace. They play a vital role in enabling us to reach our destinations with ease, security, and time-saving benefits. Therefore, transportation is considered one of the five crucial infrastructure facilities for the development of a country. The current study aims to analyze the factors that determine taxi drivers' perceptions of taxi management in Kathmandu Valley, Nepal. The results, obtained through Structural Equation Modeling (SEM), reveal five constructs fitting within the model. The findings conclude that accessibility, convenience, price, and intention to use taxi management are significantly related to each other. This indicates that all four variables significantly influence taxi drivers' perceptions of taxi management. As a result, this study suggests that the taxi industry must adapt to taxi management practices to enhance customer engagement.
Purpose India’s efforts to achieve large-scale financial inclusion are challenged by growing conc... more Purpose India’s efforts to achieve large-scale financial inclusion are challenged by growing concerns related to the stability and profitability of the overall banking system. Although a rising dependence on digital finance and the acceptability of wallet-based payments was also visible during the post-demonetisation era and the coronavirus disease 2019 (Covid-19) pandemic, issues related to bank stability and profitability could be addressed through the extension of digital financial services (DFS), making the system more transparent and resilient to internal as well as external perturbations.Design/methodology/approach The study provides empirical evidence to support the bank digitalisation and extension of DFS to achieve financial inclusion. The impact of digital finance, macroeconomic aspects and microprudential factors (bank specific) on stability is examined for selected Indian banks using quarterly observations spanning 2011Q1–2020Q4. The relationship between banking stabilit...
Purpose: Work-life balance is a phenomenon that has expanded worldwide and has long been a conten... more Purpose: Work-life balance is a phenomenon that has expanded worldwide and has long been a contentious subject because of its significant impact on job satisfaction, time management, stress management, and other important areas of people's daily lives. This study aims to assess factors influencing employees' work-life balance in the commercial banks of the Kathmandu Valley. Design/ Methodology: We used descriptive and inferential statistics to statistically assess the data collected through structured questionnaires in line with the explanatory study design to examine the cause-and-effect connection. The Kathmandu Valley's 264 commercial bank employees' data are collected, and structural Equation Modeling (SEM) is used to evaluate it. We used the 5-point Likert scale as the primary data collection method in KOBO Toolbox. Findings: Findings reveal that most of the respondents working in the commercial bank are female and have completed a master’s degree and above educ...
The present paper examines the gendered impact of financial inclusion on climate change adaptatio... more The present paper examines the gendered impact of financial inclusion on climate change adaptation among rural rice farmers across seven Nepalese districts through an odds-ratio-based binary logistic regression analysis. Primarily the study indicates that the availability of loans makes female farmers 7.6 times (significant) more likely to adopt climate change adaptation, whereas, in the case of male farmers, access to loans does not have a significant impact; and access to phone plays a significant role (odd ratio of 1.9) in encouraging female farmers to undertake climate change adaptation. Thus, from a policy perspective, there is need to increase loan availability to rural Nepalese female rice farmers to facilitate climate change adaptation. Specific schemes targeting this section need to be formulated and implemented. Moreover, mobile phone-based innovative applications could be used as a potent tool by banks for achieving financial inclusion along with significant associated po...
ACADEMICIA: An International Multidisciplinary Research Journal
Islands of the world are facing unprecedented impacts of climate change. Rising temperatures and ... more Islands of the world are facing unprecedented impacts of climate change. Rising temperatures and consequent increasing sea levels have questioned the very existence of these islands and forward a severe threat to their resources. In this regard, the island of Madagascar is not an exception. Southern Madagascar or Great Sud is facing an unprecedented drought which has exacerbated in the last four years, becoming pronounced in 2021 and 2022. It has landed the part of the country into emergency now and has converted the region into a dust bowl. The situation is turning to what has been described as the "first climate change famine" by the UN and the year 2022 is observing a similarity of conditions. The current examination attempts to examine the question whether the catastrophe is human or climate induced or both? This has been attempted through a detailed examination of rainfall patterns and trends and an inspection of economic and political scenario of the country. Our analysis indicates that rainfall does exhibit a fluctuating trend in the region, but there definitely exist other factors than geography in creating this precarious situation for the country.
Competition operates simultaneously in all economic scenarios. This has been recognized world ove... more Competition operates simultaneously in all economic scenarios. This has been recognized world over and economies have formulated laws for dealing with the issue. In this respect, India has been a late entrant. The issue has been dealt with the Competition Act of 2002 which is exemplary in this regard. The Act provides for explanations for different significant operational scenarios and outlines legalities for the same. It has been amended since 2007 and the current Amendment is proposed in the Competition (Amendment) Bill of 2012.
The journal of economic concern/The journal of economic concerns, Dec 31, 2023
The use of plastic money has grown over time. Previously availed by a few, the use of plastic mon... more The use of plastic money has grown over time. Previously availed by a few, the use of plastic money amongst people with bank accounts has surged tremendously. In 2020, it was discovered that over 78 lakh individuals in Nepal utilized plastic money. This study aims to analyse determining factors that affect users' attitude toward plastic money in Kathmandu valley. The Kathmandu valley was chosen as the study location because people from many workgroups and locations travel here in quest of varied opportunities, resulting in a diverse range of viewpoints. Both primary and secondary data were used for gathering relevant information. Questionnaire of structured type was developed to gather the response from 404 respondents and convenient sampling method was employed for the selection of respondents. The data collected was analysed using ordered logistic regression. Findings from the study indicated that 95.79% respondents have knowledge regarding plastic money and users carry a positive attitude towards use of plastic money. However, if banks would enhance their ATM services, then respondents are more likely to use plastic money. This study thus concludes that though awareness about plastic money is gender neutral, however, males prefer to use plastic money more than female. Hence, the convenience, security and incentives brought in by cards over scores cash usage.
Interdisciplinary Journal of Innovation in Nepalese Academia
Taxi drivers around the world operate in a mobile environment that challenges the traditional con... more Taxi drivers around the world operate in a mobile environment that challenges the traditional concept of the workplace. They play a vital role in enabling us to reach our destinations with ease, security, and time-saving benefits. Therefore, transportation is considered one of the five crucial infrastructure facilities for the development of a country. The current study aims to analyze the factors that determine taxi drivers' perceptions of taxi management in Kathmandu Valley, Nepal. The results, obtained through Structural Equation Modeling (SEM), reveal five constructs fitting within the model. The findings conclude that accessibility, convenience, price, and intention to use taxi management are significantly related to each other. This indicates that all four variables significantly influence taxi drivers' perceptions of taxi management. As a result, this study suggests that the taxi industry must adapt to taxi management practices to enhance customer engagement.
Purpose India’s efforts to achieve large-scale financial inclusion are challenged by growing conc... more Purpose India’s efforts to achieve large-scale financial inclusion are challenged by growing concerns related to the stability and profitability of the overall banking system. Although a rising dependence on digital finance and the acceptability of wallet-based payments was also visible during the post-demonetisation era and the coronavirus disease 2019 (Covid-19) pandemic, issues related to bank stability and profitability could be addressed through the extension of digital financial services (DFS), making the system more transparent and resilient to internal as well as external perturbations.Design/methodology/approach The study provides empirical evidence to support the bank digitalisation and extension of DFS to achieve financial inclusion. The impact of digital finance, macroeconomic aspects and microprudential factors (bank specific) on stability is examined for selected Indian banks using quarterly observations spanning 2011Q1–2020Q4. The relationship between banking stabilit...
Purpose: Work-life balance is a phenomenon that has expanded worldwide and has long been a conten... more Purpose: Work-life balance is a phenomenon that has expanded worldwide and has long been a contentious subject because of its significant impact on job satisfaction, time management, stress management, and other important areas of people's daily lives. This study aims to assess factors influencing employees' work-life balance in the commercial banks of the Kathmandu Valley. Design/ Methodology: We used descriptive and inferential statistics to statistically assess the data collected through structured questionnaires in line with the explanatory study design to examine the cause-and-effect connection. The Kathmandu Valley's 264 commercial bank employees' data are collected, and structural Equation Modeling (SEM) is used to evaluate it. We used the 5-point Likert scale as the primary data collection method in KOBO Toolbox. Findings: Findings reveal that most of the respondents working in the commercial bank are female and have completed a master’s degree and above educ...
The present paper examines the gendered impact of financial inclusion on climate change adaptatio... more The present paper examines the gendered impact of financial inclusion on climate change adaptation among rural rice farmers across seven Nepalese districts through an odds-ratio-based binary logistic regression analysis. Primarily the study indicates that the availability of loans makes female farmers 7.6 times (significant) more likely to adopt climate change adaptation, whereas, in the case of male farmers, access to loans does not have a significant impact; and access to phone plays a significant role (odd ratio of 1.9) in encouraging female farmers to undertake climate change adaptation. Thus, from a policy perspective, there is need to increase loan availability to rural Nepalese female rice farmers to facilitate climate change adaptation. Specific schemes targeting this section need to be formulated and implemented. Moreover, mobile phone-based innovative applications could be used as a potent tool by banks for achieving financial inclusion along with significant associated po...
ACADEMICIA: An International Multidisciplinary Research Journal
Islands of the world are facing unprecedented impacts of climate change. Rising temperatures and ... more Islands of the world are facing unprecedented impacts of climate change. Rising temperatures and consequent increasing sea levels have questioned the very existence of these islands and forward a severe threat to their resources. In this regard, the island of Madagascar is not an exception. Southern Madagascar or Great Sud is facing an unprecedented drought which has exacerbated in the last four years, becoming pronounced in 2021 and 2022. It has landed the part of the country into emergency now and has converted the region into a dust bowl. The situation is turning to what has been described as the "first climate change famine" by the UN and the year 2022 is observing a similarity of conditions. The current examination attempts to examine the question whether the catastrophe is human or climate induced or both? This has been attempted through a detailed examination of rainfall patterns and trends and an inspection of economic and political scenario of the country. Our analysis indicates that rainfall does exhibit a fluctuating trend in the region, but there definitely exist other factors than geography in creating this precarious situation for the country.
Competition operates simultaneously in all economic scenarios. This has been recognized world ove... more Competition operates simultaneously in all economic scenarios. This has been recognized world over and economies have formulated laws for dealing with the issue. In this respect, India has been a late entrant. The issue has been dealt with the Competition Act of 2002 which is exemplary in this regard. The Act provides for explanations for different significant operational scenarios and outlines legalities for the same. It has been amended since 2007 and the current Amendment is proposed in the Competition (Amendment) Bill of 2012.
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Papers by Vaibhav Puri