Access to Financial Services in Nepal (Directions in by Aurora Ferrari

By Aurora Ferrari

This book offers the result of an entry to monetary companies survey administered to Nepali families in 2005 and explains what hinders entry by means of low source of revenue families and small companies to monetary associations. The hindrances are pointed out at the foundation of an in-depth research of the functionality of the microfinance region and of chosen banks.

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Sample text

Using data from the National Living Standards Survey II, household consumption levels were estimated by regressing consumption on the correlates mentioned above, then the estimated coefficients were multiplied by the values of the correlates found by the Access to Financial Services Survey. 6 For the purposes of the Access to Financial Services Survey and for practical reasons, the Hills and Mountains are grouped in one agroclimatic region. Although access in the Hills is expected to be much higher than in the Mountains, the Mountains account only for 7 percent of Nepal’s population.

Nearly two-thirds of households with an account in a financial institution said that they knew someone in the institution who had facilitated the opening of the account. 6). 7). Surprisingly, among households without a deposit account, just 1 percent have ever applied for one. Of households that have never applied, 23 percent claimed that they did not need an account (many of these households were in Kathmandu and had no account with any financial institution), 21 percent said that financial institutions were too far away (most of these households were in rural areas and among the poorest quintiles), and 19 percent said that they had no money to put in an account (mainly in the poorest quintiles).

The target is 5,000 by July 2007. 6 Microfinance development banks enter the remittance market Nirdhan Utthan Bank Limited, one of Nepal’s largest microfinance development banks, has signed partnerships with several commercial banks—Nepal Investment Bank, Nabil Bank, Bank of Kathmandu, Laxmi Bank—that allow them to use Nirdhan Utthan’s branch network for remittance services. ) Although Nirdhan Utthan has 43 branches, it offers remittance services in only 25. These partnerships provide the bank with additional income—it receives nearly half the commission from remittance transactions—and its clients appreciate having this additional service.

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