Informed User's Profile
Novice
281
Points

Questions
101

Answers
39

  • Novice Asked on June 23, 2018 in Automobile.

    It’s correct spelling is Ferrari. They are luxury sports car manufacturers from Italy. They produce very high end cars which may not be affordable for most of the Nepalese. Therefore, they haven’t officially launched their cars in Nepal. I don’t think they have any of their products in Nepal.

    You may contact carnepal.com or check their list of car prices in Nepal for more details.

    • 44 views
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  • You may check Mahindra Nepal for more details. They generally update the price of Mahindra cars or SUVs available in Nepal.

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  • Novice Asked on March 3, 2018 in Others.

    As per the new system of 7 provinces or states, Nepal has total of 77 districts within.

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  • Novice Asked on March 3, 2018 in Automobile.

    If you are looking for car bazar in Kathmandu or Nepal, probably carnepal.com is soon launching that service. In case of India, there are plenty of option such as carwale, cardekho, zigwheels, etc. You can check them if you are looking for online marketplace. If you are looking for physical car bazar then you will have to disclose the location at which you are searching for.

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  • Novice Asked on February 10, 2018 in Lifestyle.

    You can check their site at bart.gov. But what really is your purpose? Why you want to know BART schedule?

    • 197 views
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  • Donor and government agencies are two important sectors which need to play vital role to promote access to finance and promoting social performance. They need to work hand-in-hand in order to achieve the effective social performance and complement each other. No parties alone can achieve the objectives.

    Talking about government role, it can play three different roles:

    • Protector
    • Provider
    • Promoter

    As a protector, it can introduce legal policies and frameworks that safeguard the interest of micro-finance institutions development in the country alongside various other subsidies to them. It is the role of the government to create inductive environment for them and encourage more such institutions to enter the market and serve the people. As a provider, it can itself provide financial services or create infrastructure in the country for same. However, direct involvement in providing financial services is not recommended. The  promotional  role  of  the government  can  be  both  direct  and  indirect.  The indirect promotion tools include policies and investments that benefit microfinance industry while not focusing exclusively on promoting fair competition, strengthening payment system, etc. Government also may promote microfinance sector more directly by developing a national  microfinance  strategy,  establishing  local  wholesale   facilities  that  provide  MFIs  with  financial and technical assistance or by supporting  so-called deprived sector lending in  the selected un-served remote areas.

    Again talking about government role in three different levels, it could be:

    1. Macro Level

    • Maintaining macroeconomic stability
    • Building regulation/supervision system and capacity for controlling or monitoring Micro-finance institutions.
    • Protecting citizen interests by protecting savings, controlling predative behavior, apply caps etc.
    • Promoting equity in service provision or access

    2. Meso Level

    • Maintaining healthy financial system by circulating information to institutions, consumers and also by addressing failures if any.
    • Facilitating access to capital
    • Providing complementary social services

    3. Micro Level

    • Direct provisioning of credit
    • Setting micro-level strategy

    However, placing interest ceilings, directly and actively providing subsidies in loans and imposing political interference aren’t recommended for government.

    Apart from government, donor agencies are going to play equally vital role in boosting social performance of MFIs. Some of the roles of donors could be:

    1. Donor agencies need to collaborate according to respective strengths. They should work on the policy level as per their level of experience and technical expertise. Also, they should collaborate with each other in order to compliment each other’s strength.
    2. They should provide technical inputs to poverty reduction strategy papers
    3. Also, they should use their national and international networks to foster and promote the MFIs while encouraging and empowering poor peoples.
    4. Donor agencies should be actively involved in teaching government the negative impact of ceilings on development and growth of MFIs in country and its social performance. Also, they can explain the rationale behind interest rates needing to cover the cost.
    5. They can provide technical support to the government to help formulate regulatory and supervisory framework.
    6. Besides, they can invest in public retail lenders and apex institutions in order to promote micro-finance services without impacting the sustainability of MFIs.
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  • Social performance measurement (particularly in context of MFIs) means the assessment of performance of micro-finance in regards to how well they have been able to serve the poor or vulnerable poor and fulfilled the mission/vision of inclusiveness of financial services. The measurement of effectiveness of Micro-finance institutions in uplifting the society (particularly those who are poor) in areas and manner as expected is the motive of social performance measurement.

    The social performance measurement may include following dimensions:

    • Poverty reduction: How well the MFIs have been able to reduce the poverty in the targeted areas or among their clients can be one dimension which can indicate the social performance of MFIs. One of the core objectives of MFIs is to help uplift the financial status of bottom of pyramid people. And hence their effectiveness in poverty reduction is one way to assess social performance.
    • Financial inclusion: Another core objective of MFIs is financial inclusion and to provide banking facilities to the unbanked sectors. In conventional banking, commercial banks didn’t provide any services to needy poor people. That is why MFIs was born to help solve this social issue and fulfill this need of poor people. Therefore, how deep down the pyramid has MFIs been able to take their services also indicate their social performance.
    • Micro-enterprise creation: Helping entrepreneurial poor people to establish micro-enterprise not only uplift the economic status of that client but also the one he/she employs. Therefore MFIs should encourage such enterprise creation activities. Measurement of this can also be key factor in assessing the social performance of MFIs.
    • Economic empowerment: MFIs should able to engage poor and vulnerable poor people in income generating activities and therefore help them uplift their economy.
    • Social, legal and political empowerment: Apart from economic empowerment of poor people, like we have discussed for long, MFIs role doesn’t end there. MFIs should also take responsibility to socially, legally and politically empower the poor people through education, training and confidence building. Therefore, effectiveness of MFIs in this regard can also be another measure of social performance.

    It is very important for MFIs to consider the social performance indicators because it is how they can know the effectiveness of their services. While earning profit and being sustainable is one of the objective and function of MFIs but that is not the core objective of why MFIs were established. It was established with the only purpose to promote financial inclusion by serving the poor and vulnerable people at the bottom of pyramid, those who were deprived of these services and help foster the economic development of every level of people. Indicators such as GESI (Gender Equality and Social Inclusion), Outreach indicators, etc. gives them the fair idea of how well they are fairing when it comes to extending their services to all kind of people, sticking true to the principles of micro-finance. The areas where the performance is not well can be corrected by taking certain measures. Therefore, these indicators help these MFIs institute to evaluate their performance time& again to set their actions accordingly to meet these goals and objectives.

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  • Novice Asked on January 18, 2018 in Automobile.

               

    Latest Scomadi Scooter Models Price
    Scomadi TL 125 Rs. 290000
    Scomadi TL 125 Chrome Rs. 355000
    • 151 views
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  • Whatever was the price of S2, S4, S6 etc., you can expect 1 to 2 lakhs higher price for models of S3, S5, S7, etc. respectively.

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  • Novice Asked on January 18, 2018 in Automobile.

                                 

    Vespa Scooter Models Price
    Vespa Elegante Rs. 3,49,946
    Vespa SXL 125 Rs. 2,99,946
    Vespa SXL 150 Rs. 3,19,946
    Vespa SXL Matte Red 150 Rs. 3,25,946
    Vespa VXL 125 Rs. 2,85,946
    Vespa VXL 150 Rs. 3,09,946
    Vespa LT 125 3V Rs. 3,95,000
    Vespa LX 125 Rs. 2,39,946
    • 146 views
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  • Novice Asked on January 18, 2018 in Lifestyle.

    As on today, 18th January 2018, the price of gold is as follows:

    • Gold Hallmark – tola: Nrs. 57,200.26
    • Gold Tajabi – tola: Nrs. 56,902.82
    • Gold Hallmark – 10g: Nrs. 49,040.00
    • Gold Tajabi – 10g: Nrs. 48,785.00

     

     

     

    • 141 views
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  • Yes, Daraz recently bought Kaymu. Therefore, Kaymu has turned into Daraz and so has their website.

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  • Novice Asked on January 18, 2018 in Automobile.

    BYD electric cars starts from Rs. 60,00,000 in Nepal. Also, they are installing charging station in Kathmandu and other main cities such as Chitwan, Pokhara.

    • 215 views
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  • Novice Asked on November 13, 2017 in Engineering & Science.

    Please fill out this job application form: https://goo.gl/forms/o4Xs4wxq6BdlEOMk2

    • 245 views
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  • Novice Asked on November 4, 2017 in Engineering & Science.

    Probably the reason civil engineering is called “mother of all engineering” has particularly to do with long standing history of civil engineering. They existed long before any of the other disciplines of contemporary field existed. Besides, this is one field which  will never get outdated. As long as human exists, need for construction of roads, house, structures, etc. is going to be there. Hence, civil engineers are never going to run out of job in the present or in future. Besides, there is higher chances of profitability in this field than any other considering the capital required to build civil projects. It’s only a matter of how well you hone your skills in this field. Therefore, civil engineering can be safely called mother of all engineering.

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  • Novice Asked on October 14, 2017 in Business & Finances.

    There are number of sources for financial data on financial inclusion, both supply-side and demand-side data sources. Some of the popular data sources are:

    Demand side data sources:

    1. The Global Findex
    2. The Finscope survey
    3. FinAccess Surveys
    4. Financial Inclusion Tracker Surveys (FITS)
    5. Financial Inclusion Insight Surveys (FII)

    Supply side data sources:

    1. The IMF Financial Access Survey (FAS)
    2. GSMA Mobile Money Adoption Survey
    3. Word Bank’s Global Payment Survey
    4. The MIX’s Geospatial Maps
    5. com
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  • Novice Asked on October 14, 2017 in Business & Finances.

    There are several tool and methods to measure the impact of financial inclusion efforts. One method is program evaluation that looks at a set of indicators to assess the client’s well-being before and after access to financial services—often referred to by researchers as the intervention. However, it cannot determine causation. Other method includes randomized control trials (RCTs) and quasi-experimental assessments. These are more accurate in results, however, they are complicated and expensive to conduct.

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  • Novice Asked on October 14, 2017 in Business & Finances.

    Some of the consumer protection measures include:

    • Consumer protection, regulation, and supervision to avoid excessive interest rates, abusive lending practices, over-indebtedness among poor borrowers, etc.
    • Standards & code of conducts within industry
    • Consumer welfare and awareness programs/events.
    • 154 views
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  • Novice Asked on October 14, 2017 in Business & Finances.

    Financial inclusion means the easy access of all sort of financial services to each and every individual irrespective of their income, background, etc. In the past, financial services were accessible only to those who had wealth, property or good stable income source. However, financial inclusion in the context of micro-finance advocates and facilitates the inclusion of poor and unemployed people as well.

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  • Government can play a vital role in both policy level and infrastructure level to support financial inclusion. They can set policies to ensure the participation of financial institutions in reaching out to each and every individual. However, making policies doesn’t suffice. They must have a controlling & monitoring system in place to ensure the compliance. Besides, they can develop or encourage to develop infrastructures so as to facilitate banking services for all the people in every nook & corner of the country.

    • 176 views
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  • Novice Asked on October 14, 2017 in Business & Finances.

    The interest rates are higher in microfinance loans than in traditional banking. This is mainly due to two reasons. First reason is the risk factor involved in it. Since, micro-finance is provided without any collateral, there is higher risk involved in comparison traditional banking. Hence, to compensate this risk, the interest rate is relatively higher. Second reason is that micro-finance institutions generally act as intermediaries and lend money from larger banking or financial institutions in wholesale and give it to the poor. As they themselves has to pay certain interest rate to these big lenders, that cost adds to the interest rate that is charged to the poor people. Other reasons could include high operational overheads. Given the relatively small loan size, microfinance institutions have relatively high costs per loan compared to players in the regular financial sector.

    • 164 views
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  • Novice Asked on October 14, 2017 in Business & Finances.

    Nowadays, when said mobile banking, it is understood as the banking services provided to a customer in their mobile phones or devices.

    However, it could also be referred as banking facility or services that is provided at the door-steps of customers without them having to visit the bank.

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  • Novice Asked on October 14, 2017 in Business & Finances.

    Microfinance for the poor people in the beginning existed as micro-credit only. However, now it includes several services such as saving, insurance, leasing, remittance & transfer.

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  • Novice Asked on October 14, 2017 in Business & Finances.

    Institutions such as micro-finance banks (i.e. class “D” banks in Nepal), co-operatives, FINGO (Financial Intermediaries Non-governmental Organization) delivers financial services to poor clients. As per the rule of the host country, other commercial banks may also deliver such services. In context of Nepal, it is mandatory for commercial banks to allocate 3% of their lending in this sector, either directly or indirectly.

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  • Novice Asked on October 14, 2017 in Business & Finances.

    In principle, microfinance clients are poor, disadvantaged or vulnerable poor people. Generally, these people are self-employed small home-based entrepreneurs or the rural area farmers with low or no income.

    • 171 views
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  • Novice Asked on October 14, 2017 in Business & Finances.

    Microfinance is the financial services (such as credit, savings, insurance etc.) provided to low income or poor people so as to help them increase their income or wealth. These poor people includes bottom of pyramid people below poverty line and vulnerable poor people.

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  • Novice Asked on September 28, 2017 in Business & Finances.

    Rather than conservative, I will call this theory more pessimistic. However, it has its essence in corporate governance. The main idea that agency theory gives is that people can be selfish and may act on their own interest be it agency (company management team) or principle (actual owners or shareholders). Hence, it is wise for the company (or the shareholders) to align their own interest with that of agency or management team. If they can form the governance as per that, the company will be more likely to produce desired result.

    Whereas, in opposite to agency theory lies the stewardship theory which suggest that people are good and hence, agent will act like stewards of the company and if left alone will act in good faith for the benefit of organization. This theory try to suggest that we mustn’t fully restrict or keep strict eyes over them. Rather they should be given some degree of freedom with trust to act on their own to produce desired result.

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  • Novice Asked on September 21, 2017 in Business & Finances.

    Don’t get confused with transaction cost analysis theory with just transaction cost theory. Both are same. The basic argument of transaction cost theory is that firms economize on costs by choosing a form of governance that minimizes production and transaction costs. We discuss the origins and uses of the theory, critical variables, assumptions, and limitations. This theory of transaction cost analysis is integral in defining corporate governance (about which you can read here: http://mbateacher.com/corporate-governance/ ) and the behavior within it.

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  • Novice Asked on September 14, 2017 in Engineering & Science.

    Sorry,  there isn’t any internship opportunity. However, if you are looking for internship opportunities in civil engineering companies, you can check: https://internshala.com/internships/civil-internship

    • 356 views
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  • Novice Asked on September 10, 2017 in Engineering & Science.

    I hope you are talking about last job postings of Tata Consulting Engineers. However, company hasn’t disclosed Cost to Company (CTC). Therefore, you will have to fill up the form and contact yourself. Average salary of civil engineers in India is Rs. 3,25,000 as per data of payscale and more than half of civil engineers earns above 3lacs per month.

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  • By what I know, he died of cancer at a hospital in Austin, Texas.

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  • Novice Asked on July 11, 2017 in Others.

    Police in Kashmir is saying that Lashkar-e-Taiba is behind the attack. Also, the police further added that the mastermind is a Pakistani terrorist, Abu Ismail.

    • 272 views
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  • Novice Asked on January 8, 2017 in Lifestyle.
    • Elizabeth Taylor and Larry Fortensky – $2.5 Million
    • Paul McCartney and Heather Mills – $3 Million
    • Liza Minnelli and David Gest – $3.5 Million
    • Chelsea Clinton and Marc Mezvinsky – $5 Million
    • Wayne Rooney and Coleen McLoughlin – $8 Million
    • 1332 views
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  • Spread footing which is also known as strip footing is generally a rectangular prism of concrete, larger in lateral dimensions than the column or wall it supports. These are  used to distribute the load of a column or wall to the subgrade like any other footings. Spread footing are also known as shallow footing where depth of the foundation is not big.

    You can learn more about foundations here: http://www.civileblog.com/foundation-types/

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  • Correct Answer is: (D) The technique for establishing and maintaining priorities among the various jobs of an engineering project, is known as Critical ratio scheduling.

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  • Correct answer is (B): The ulimate strength of cement is given by Di-calcium silicate.

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  • Novice Asked on January 31, 2016 in Medical.

    According to bed count, top hospitals of Nepal are as follows:

    • Nobel Medical College (900)
    • Nepalgunj Medical College (830)
    • Chitwan Medical College (750)
    • Nepal Medical College (700)
    • Universal College of Medical Sciences (UCMS) & Teaching Hospital (700)
    • B.P. Koirala Institute of Health Sciences (BPKIHS) (700)
    • Manipal College of Medical Sciences (MCOMS) (700)
    • Bir Hospital (600)
    • Lumbini Medical College (600)

    *Source: everestlist.org (This an old list of 2014)

    However, if you ask the service few private hospitals such as Norvic and now the newly opened Grandy Hospital are good. Grandy is the modern Hospital with large building and good infrastructure. However, these private hospitals are very expensive.

     

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  • Novice Asked on January 31, 2016 in Companies.

    Nepal Domain Hosting is undoubtedly one of the top IT companies in terms of service they provide.  They are one of regularly needed IT company for day to day hosting. Though their phone is switched off time and again, you can quickly reach to them through their fan page on Facebook.

    Other IT business in terms of size are as:

    1. Verisk Information Technologies
    2. Deerwalk Services
    3. F1Soft International
    4. Janaki Technology
    5. CAD Nepal
    6. BrainDigit IT Solution
    7. Young Innovations
    8. Sprout Technology
    9. HiTech Solutions & Services
    10. WebSearch Professional
    11. Yomari
    12. Eval Technologies

     

    If you know any further Top IT companies in Nepal, you may feel free to add to the list.

    • 665 views
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  • Novice Asked on January 29, 2016 in Forum.

    This is amazing piece of forum.

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