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pawan kawan pawankawan finance economy business financial services financial market economics sona shrestha business and economy krishna chalise ankur shrestha financial online business ritu joshi sarita maharjan dipika shrestha business model econometrics nepal kohinoor thapaliya grisha yadav small business sajana shrestha manisha baral business intelligence management operations banking bank mani manandhar commercial bank netra bdr. khatri depa shrestha pitamber nepal shishir giri economic development grisha yadau rabi shrestha til bahadur bhandari sahista swar arya shakya pawan kawan bikash sapkota sangita adhikari ranji pawan kawan anjali dipesh ranjita uma shishir kc depa shishir ritu til bahadur krishna distributed lag model development ecommerce money budget nepal rastra bank gross domestic product customer relationship management change management hiring outsourcing rate fixed rate system exchange rate commercial forecast success determination fredrick w. smith interest rate hypothesis crisis economics crisis mba nrb nepal rastra bank internship report simant pandit bindi bade shrestha gopal joshi efficient market hypothesis