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Financing Practices Of Banks And Financial Institutions In Nepal

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  • GAUTAM, BISHNU PRASAD

Abstract

Proposal analysis and credit appraisal includes the examination of business and financial aspects with respective importance to measure economic, financial and technical feasibility of the project and repayment capacity of the borrowing firm. Such analysis has far reaching implication on the mobilization of resources as well as on the earning and soundness of the banks and financial institutions (BFIs). We examine this process in the context of bank lending to tourism business enterprises through a survey. The result incorporates the importance accorded by BFIs on business and financial aspects of the proposal. Using Phi-Coefficient ( ) the study finds a strong relationship between various aspects examined during the proposal analysis and credit appraisal. Further, we also examine the cross significance of business and financial aspects and find a significant relationship between business prospects with most of the financial aspects. The findings are relevant for both bankers and beneficiaries to ensure the suitability of tourism sector loan processing and significance of credit appraisal.

Suggested Citation

  • Gautam, Bishnu Prasad, 2009. "Financing Practices Of Banks And Financial Institutions In Nepal," MPRA Paper 58354, University Library of Munich, Germany, revised 05 Jul 2011.
    • Handle: RePEc:pra:mprapa:58354
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    References listed on IDEAS

    as
    1. Bronwyn Hall & Francesca Lotti & Jacques Mairesse, 2009. "Innovation and productivity in SMEs: empirical evidence for Italy," Small Business Economics, Springer, vol. 33(1), pages 13-33, June.
    2. Bishnu Prasad Gautam, Ph.D., 2011. "Tourism and Economic Growth in Nepal," NRB Economic Review, Nepal Rastra Bank, Economic Research Department, vol. 23(2), pages 18-30, October.
    3. Bishnu Prasad Gautam Ph.D., 2011. "Tourism and Economic Growth in Nepal," NRB Economic Review, Nepal Rastra Bank, Research Department, vol. 23(2), pages 18-30, October.
    4. Bishnu Prasad Gautam Ph. D., 2008. "Economic Impact of Tourism Finance in Nepal," NRB Economic Review, Nepal Rastra Bank, Research Department, vol. 20, pages 62-73, April.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Credit analysis and appraisal; tourism financing; tourism business enterprises; banks and financial institutions; lending in tourism; business and financial aspects; cross relationship;
    All these keywords.

    JEL classification:

    • C13 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Estimation: General
    • C32 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Time-Series Models; Dynamic Quantile Regressions; Dynamic Treatment Effect Models; Diffusion Processes; State Space Models
    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L83 - Industrial Organization - - Industry Studies: Services - - - Sports; Gambling; Restaurants; Recreation; Tourism

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