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		<loc>https://www.nrb.org.np/er-article/the-hipc-initiative-mdri-and-nepal-a-re-examination/</loc>
		<lastmod>2021-09-17T11:57:34+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/economic-impact-of-tourism-finance-in-nepal/</loc>
		<lastmod>2021-09-17T11:58:57+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/inflation-expectations-in-nepal/</loc>
		<lastmod>2021-09-17T11:59:54+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/unanticipated-political-events-and-stock-returns-an-event-study/</loc>
		<lastmod>2021-09-17T12:00:43+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/verification-of-causality-through-var-and-intervention-analysis-econometric-modeling-on-budget-deficit-and-trade-deficit-in-nepal/</loc>
		<lastmod>2021-09-17T12:07:06+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/development-of-the-nepalese-financial-system-need-for-the-formulation-of-a-master-plan/</loc>
		<lastmod>2021-09-17T12:08:12+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/export-diversification-and-competitiveness-nepal%ef%bf%bds-experiences/</loc>
		<lastmod>2021-09-17T12:09:03+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/the-composition-of-public-expenditure-physical-infrastructure-and-economic-growth-in-nepal/</loc>
		<lastmod>2021-09-17T12:10:01+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/long-run-relationships-of-macroeconomic-variables-in-nepal-a-var-approach/</loc>
		<lastmod>2021-09-17T12:10:51+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/macro-modeling-practices-at-nepal-rastra-bank/</loc>
		<lastmod>2021-10-24T12:47:10+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/revisiting-money-price-relationship-in-nepal-following-a-new-methodological-framework/</loc>
		<lastmod>2021-10-24T12:48:22+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/impact-of-exchange-rate-on-trade-deficit-and-foreign-exchange-reserve-in-nepal-an-empirical-analysis/</loc>
		<lastmod>2021-10-24T12:49:25+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/fiscal-imbalances-in-nepals-federalism-an-empirical-analysis/</loc>
		<lastmod>2021-10-24T12:50:28+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/work-family-conflict-and-career-satisfaction-in-banking-sector-of-nepal/</loc>
		<lastmod>2021-10-24T12:52:18+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/role-of-workers-remittances-in-export-performance-of-nepal-gravity-modelling-approach/</loc>
		<lastmod>2021-11-11T13:55:04+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/bank-stability-and-its-determinants-in-the-nepalese-banking-industry/</loc>
		<lastmod>2021-11-11T13:56:13+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/role-of-remittances-on-rural-poverty-in-nepal-evidence-from-cross-section-data/</loc>
		<lastmod>2021-11-11T13:57:03+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/the-frequency-of-mobile-banking-use-during-covid-19/</loc>
		<lastmod>2022-04-27T14:28:45+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/remittances-economic-growth-and-investment-nexus-evidence-from-nepal/</loc>
		<lastmod>2022-04-27T14:36:04+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/capital-market-development-and-stock-price-behavior-in-nepal-2/</loc>
		<lastmod>2022-07-04T16:07:45+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/remittance-and-its-effect-on-poverty-and-inequality-a-case-of-nepal/</loc>
		<lastmod>2022-11-07T15:58:06+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/an-empirical-study-on-the-determinants-of-government-revenue-in-nepal/</loc>
		<lastmod>2022-11-07T15:59:34+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/corporate-pay-out-policy-and-test-of-life-cycle-theory-evidence-from-nepalese-commercial-banks/</loc>
		<lastmod>2022-11-07T16:02:40+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/the-economic-cost-of-general-strikes-in-nepal/</loc>
		<lastmod>2022-12-13T11:19:17+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/foreign-trade-pattern-of-nepal-gravity-model-approach/</loc>
		<lastmod>2022-12-13T11:21:52+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/indo-nepal-trade-relation-the-phenomenon-of-black-hole-effect/</loc>
		<lastmod>2022-12-13T11:23:25+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/modelling-and-forecasting-demand-for-nepali-tourism/</loc>
		<lastmod>2022-12-13T11:25:28+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/managers-views-on-dividend-policy-of-nepalese-enterprises/</loc>
		<lastmod>2022-12-13T11:26:53+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/bank-credit-and-economic-growth-in-nepal-an-empirical-analysis/</loc>
		<lastmod>2022-12-13T11:39:47+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/determinants-of-stock-market-performance-in-nepal/</loc>
		<lastmod>2022-12-13T11:42:35+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/structural-change-and-per-capita-income-in-nepal-empirical-evidences/</loc>
		<lastmod>2022-12-13T11:44:05+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/relevance-of-keynesianism-in-nepal-an-empirical-analysis/</loc>
		<lastmod>2022-12-13T11:47:06+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/determinants-of-inflation-in-nepal-an-empirical-assessment/</loc>
		<lastmod>2022-12-13T11:52:59+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/the-bank-lending-channel-of-monetary-policy-in-nepal-evidence-from-bank-level-data/</loc>
		<lastmod>2023-01-29T13:10:10+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/time-varying-parameters-of-inflation-model-in-nepal-state-space-modeling/</loc>
		<lastmod>2023-01-29T13:18:11+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/managerial-entrenchment-and-capital-structure-decision-a-case-of-nepal/</loc>
		<lastmod>2023-01-29T13:20:06+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/impact-of-climate-change-on-agricultural-growth-in-nepal/</loc>
		<lastmod>2023-01-29T14:18:14+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/an-empirical-analysis-of-money-supply-process-in-nepal/</loc>
		<lastmod>2023-01-29T14:20:10+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/role-of-financial-development-in-economic-growth-of-nepal-an-empirical-analysis/</loc>
		<lastmod>2023-01-29T14:27:45+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/testing-the-j-curve-hypothesis-a-case-of-nepal/</loc>
		<lastmod>2023-01-29T14:30:04+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/cyclicality-in-the-fiscal-policy-of-nepal/</loc>
		<lastmod>2023-01-29T14:31:27+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/financial-literacy-in-nepal-a-survey-analysis-from-college-students/</loc>
		<lastmod>2023-01-29T14:33:04+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/an-examination-of-nepals-export-choice-based-on-revealed-comparative-advantage/</loc>
		<lastmod>2023-01-29T14:36:55+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/forecasting-nepse-index-an-arima-and-garch-approach/</loc>
		<lastmod>2023-01-29T15:44:10+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/relationship-between-financial-literacy-and-behavior-of-small-borrowers/</loc>
		<lastmod>2023-01-29T15:53:05+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/optimal-inflation-rate-for-nepal/</loc>
		<lastmod>2023-01-30T12:54:37+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/elasticity-and-buoyancy-of-taxation-in-nepal-a-revisit-of-the-empirical-evidence/</loc>
		<lastmod>2023-01-30T12:57:40+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/technical-efficiency-of-nepalese-banking-sector/</loc>
		<lastmod>2023-01-30T13:11:27+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/the-link-between-remittance-and-economic-growth-an-ardl-bound-testing-approach/</loc>
		<lastmod>2023-01-30T13:35:01+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/relationship-between-money-supply-income-and-price-level-in-nepal/</loc>
		<lastmod>2023-01-31T11:13:33+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/forecasting-loanable-funds-in-nepals-banking-system-a-vecm-approach/</loc>
		<lastmod>2024-01-16T12:27:59+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/hybrids-arima-ann-models-for-gdp-forecasting-in-nepal/</loc>
		<lastmod>2024-01-16T12:34:38+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/bank-competition-and-credit-risk-does-bank-stability-moderate-the-competition-credit-risk-nexus/</loc>
		<lastmod>2025-08-11T14:59:23+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/paradigm-shift-of-microfinance-institutions-in-nepal-a-mixed-method-approach/</loc>
		<lastmod>2025-08-11T15:00:13+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/forecasting-the-agriculture-yield-in-nepal-using-machine-learning-techniques/</loc>
		<lastmod>2025-08-12T11:53:45+05:45</lastmod>
	</url>
	<url>
		<loc>https://www.nrb.org.np/er-article/economic-factors-influencing-the-probability-of-adjustment-in-nepals-exchange-rate-policy-with-the-indian-currency-a-binominal-probit-analysis-for-the-period-of-1976-7998/</loc>
		<lastmod>2026-04-06T10:02:58+05:45</lastmod>
	</url>
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