Rajiv Khanal
List of Publications (Papers, Book Chapters, Reviews, etc.)
Digital Market Signals as Economic Incentives for Sustainable Land Use: Assessing the Impact of Mobile Price Information on Crop Diversification among Smallholder Farmers in Nepal
Rising Costs and Falling Livelihoods: Investigating the Financial Struggles of Low- and Middle-Income Households in Nepal
Strengthening Green Loan Repayment: The Mediating Role of Loan Utilization Effectiveness Amid Market Slowdowns and Banking Sector Challenges in Nepal
List of Conference/Congress/Symposium Attendance
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Shaping the Future: Trends in Education, Society, and Business in a Changing World (2025)
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\"The Role of SMEs in Rural Development: Access of SMEs to Finance as a Mediator.\"
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Oral Presentation
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Bridging Knowledge and Practice: Management and Social Sciences for Sustainable Localization (2025)
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\"The Role of SMEs in Rural Development: Access of SMEs to Finance as a Mediator.\"
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Oral Presentation
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Exploring Issues and Challenges for Transformation in Higher Education, Siddhartha Campus (2025)
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Financial Consequences of Rural-to-Urban Migration: Analyzing the Economic Behaviour of Migrant Households in Nepal
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Oral Presentation
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Emerging Trends in Management and Social Sciences: Catalyzing Change and Innovation (2025)
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\"Green Banking Initiatives: Study on Nepalese Banking Sector
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Oral Presentation
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Research and Innovative Strategies for Enhancing Higher Education and Learning Outcomes (2026)
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Raising Cost and Falling Livelihoods: Investing the Financial Struggles of Low-and Middle-Income Households in Nepal.
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Oral Presentation
Work Experience(s)
Kaligandaki Saving and Credit Co-Operative
As a co-operative organization manager serves as the chief executive responsible for executing the board's strategic vision through daily operations, financial oversight, and member-focused service delivery. They supervise staff, manage budgeting, cash flow, loan portfolios, and regulatory compliance while implementing policies on resource allocation, personnel training, and performance reporting to ensure member satisfaction and organizational sustainability. The manager also handles member relations by promoting recruitment, resolving disputes, representing the co-op in community events, and coordinating services like savings mobilization and credit access, all while maintaining clear separation from the board's governance role focused on long-term policy and oversight.
Credit Head
Led credit operations for branch-level SME loan analysis and portfolio management, overseeing credit appraisal, risk assessment, and loan approval processes while ensuring compliance with Nepal Rastra Bank regulations and internal lending policies. Analyzed financial statements and cash flows of small and medium enterprises to determine creditworthiness, structured loan facilities, and monitored repayment performance to maintain portfolio quality. Collaborated with branch management to achieve deposit mobilization and lending targets, trained credit staff on risk management practices, and contributed to strategic planning for rural and underserved market expansion, directly applying quantitative analysis skills later utilized in MPhil research on SME financing barriers.
Branch Manager
Managed full branch operations including deposit mobilization, loan origination, customer relationship management, and financial reporting for this leading Nepali development finance institution with 22+ branches across multiple provinces. Oversaw retail and SME lending portfolios, conducted credit appraisals and risk assessments, ensured regulatory compliance with Nepal Rastra Bank directives, and achieved branch performance targets for deposit growth and loan disbursement. Directed daily operations, supervised branch staff training and performance, handled customer disputes and service delivery, maintained accurate financial records, and contributed to strategic expansion efforts in underserved rural and semi-urban markets of Lumbini, Gandaki, and Bagmati provinces.
Branch Manager
Om Development Bank Limited, a prominent Class "B" development bank licensed by Nepal Rastra Bank, focuses on SME lending, rural financial inclusion, and economic development financing across Nepal's underserved regions. As Branch Manager, I oversaw comprehensive branch operations including deposit mobilization from rural savers, retail and micro-SME loan origination, customer relationship management, and full financial reporting compliance with NRB directives. I conducted credit appraisals and risk assessments for agricultural loans, small business working capital, and individual enterprise financing; supervised branch staff training and performance; achieved deposit growth and lending targets; resolved customer service issues; and contributed to the bank's expansion strategy serving Lumbini and Gandaki province markets, directly building expertise in development finance later applied to MPhil research on SME credit access barriers.
Teaching Experience(s)
Galyang Multiple Campus
Delivered comprehensive instruction in Banking, Finance, and Management courses across BBS, MBS, and BBA programs at this leading community campus affiliated with Tribhuvan University, serving 500+ students annually in Gandaki Province. Designed and taught curriculum covering commercial banking operations, financial management, investment analysis, portfolio theory, and SME financing; developed course materials, case studies, and practical assignments aligned with Nepal Rastra Bank regulations and emerging financial sector trends. Supervised 20+ undergraduate research projects on topics including bank performance, credit risk analysis, and rural financial inclusion; provided academic mentoring and thesis guidance that resulted in multiple student publications; evaluated examinations and maintained academic records while contributing to curriculum development committees and faculty training workshops. Fostered research culture through student seminars and built foundational quantitative analysis skills later applied to my MPhil thesis on green banking and environmental performance mediation.
Crimson College of Technology
Taught specialized management and finance courses including banking operations, financial management, and business analytics within the BBA program affiliated with Pokhara University at this leading IT and management college in Butwal, Rupandehi. Delivered curriculum integrating practical case studies on Nepal's banking sector, SME financing challenges, and financial inclusion strategies to 100+ undergraduate students; developed teaching materials incorporating quantitative analysis techniques and real-world banking data aligned with emerging fintech and sustainable finance trends. Facilitated interactive classroom sessions, group projects, and student presentations on topics such as credit risk assessment and portfolio management; provided academic counseling and research supervision that enhanced student understanding of financial sector dynamics; contributed to curriculum enhancement committees and faculty development workshops, building pedagogical expertise that complemented my parallel research on green banking practices and SME development finance.
Western Mega College
Taught management, finance, and business courses within the MBA and BBA programs at this Lincoln University College-affiliated institution in Butwal, Rupandehi, specializing in hospitality management and business administration for 100+ students preparing for international careers. Delivered curriculum covering financial management, banking operations, strategic management, and SME development finance; integrated practical case studies on Nepal's financial inclusion challenges and sustainable business practices aligned with global hospitality and business standards. Designed interactive teaching modules with group discussions, industry case analyses, and quantitative exercises; supervised student projects on financial analysis and business planning; provided academic mentoring and career counseling; contributed to faculty development through teaching methodology workshops. Enhanced pedagogical skills through exposure to international curriculum standards, complementing parallel research expertise in green banking and rural SME financing developed during MPhil studies.
Butwal Multiple Campus
Delivered instruction in banking, finance, and management courses within the BBS, MBS, and BBA programs at this leading Tribhuvan University constituent campus—one of Lumbini Province's largest institutions serving 1,000+ students annually. Taught core subjects including commercial banking operations, financial management, investment analysis, and Nepal's financial inclusion policies; developed practical teaching materials incorporating case studies from Nepal Rastra Bank regulations, SME credit challenges, and rural banking dynamics relevant to western Nepal's economy. Facilitated interactive classroom sessions with quantitative exercises, student presentations, and group discussions; provided academic mentoring for undergraduate research projects on bank performance metrics and financial literacy; contributed to curriculum delivery aligned with Tribhuvan University's standards while enhancing teaching skills that supported parallel MPhil research on green banking practices and environmental performance mediation in Nepal's financial sector.