Financial Risk Management in the Nepalese Cooperatives Sector
Baniya, Pratima (2025)
2025
All rights reserved. This publication is copyrighted. You may download, display and print it for Your own personal use. Commercial use is prohibited.
Julkaisun pysyvä osoite on
https://urn.fi/URN:NBN:fi:amk-2025060320024
https://urn.fi/URN:NBN:fi:amk-2025060320024
Tiivistelmä
This study examines minimizing financial risk in Nepalese cooperatives, with an emphasis on liquidity, credit, and market risks. It investigates how these cooperatives deal with financial uncertainty in a hard economic context.
Data was gathered through semi-structured interviews with ten major cooperative stakeholders and analyzed using NVivo software. The investigation uncovered significant risks, current risk management techniques, and implementation issues.
It seems from the report that a lack of liquidity stems from up and down cash flows, lowered credit quality due to poor loan habits and possible risks in the market caused by economic fluctuations. Barriers to successful risk management include insufficient financial literacy, a lack of digital tools, and legislative limitations.
It was determined that cooperatives do not have formal risk controls in place and should use the Basel III standards. Better financial knowledge and online tools can support their sustainability and support government officials in creating effective future risk plans.
Data was gathered through semi-structured interviews with ten major cooperative stakeholders and analyzed using NVivo software. The investigation uncovered significant risks, current risk management techniques, and implementation issues.
It seems from the report that a lack of liquidity stems from up and down cash flows, lowered credit quality due to poor loan habits and possible risks in the market caused by economic fluctuations. Barriers to successful risk management include insufficient financial literacy, a lack of digital tools, and legislative limitations.
It was determined that cooperatives do not have formal risk controls in place and should use the Basel III standards. Better financial knowledge and online tools can support their sustainability and support government officials in creating effective future risk plans.