नेप्सेमा गएको पहिरोले लघुवित्त क्षेत्रमा पर्यो धक्का; बजार थप घट्ने आङ्कलन
काठमाडौं। नेपाल राष्ट्र बैङ्कबाट इजाजत पत्र प्राप्त लघुवित्त वित्तीय संस्थाहरू ऋण कारोबारको आधारमा दुई प्रकारमा वर्गीकरण गरिएको देख्न सकिन्छ भने थोक कर्जा कारोबार तथा खुद्रा कर्जा कारोबारका आधारमा वर्गीकरण गरिएको लघुवित्त वित्तीय संस्थाहरूले असोज मसान्तसम्म आफ्ना ग्राहकहरूबाट करिब १ खर्ब ६४ अर्ब रुपैयाँ सङ्कलन गरेको जानकारी पनि खुल्न आएको छ ।
गरिब तथा न्यून आय भएका व्यक्ति र महिलालाई सदस्यका रूपमा ऋण उपलब्ध गराउने तथा गरिब तथा न्यून आय भएका व्यक्ति तथा महिलालाई सदस्य बनाएर उनीहरूबाट नियमित रूपमा रकम सङ्कलन गर्दै सङ्कलन बाट हुने बचत रकम र विभिन्न बैङ्क तथा वित्तीय संस्थाहरूबाट गरिब वर्गको शीर्षकमा आफ्ना सदस्यहरूलाई कृषि तथा साना उद्यम व्यवसाय सञ्चालन गर्न, बिना धितो माइक्रो लोन उपलब्ध गराउन तथा स्वीकार्य रूपमा साना उद्यम र साना व्यवसायहरूलाई धितो लिएर धितो ऋण उपलब्ध गराउँदै ६४ लघुवित्त संस्था देशभर सञ्चालनमा रहेका छन् ।
३३ लाख ऋणी तथा करिब १६४ अर्ब रुपैयाँ सेवाग्राहीबाट सङ्कलन गर्दै आएको लघुवित्तले, राष्ट्र बैङ्क र अन्य बैङ्कबाट २३५ अर्ब रुपैयाँ सापटी लिएका छन् भने प्रवाह गरेका ४५७ अर्ब रुपैयाँ कर्जा धरापमा पर्ने आङ्कलन सँगै नेपाल राष्ट्र बैङ्कले लघुवित्त वित्तीय संस्थाहरूको काम कारबाहीमा कडाइ गर्न नियमनकारी भूमिकामा खरो उत्रिएको छ ।
मुलुकका करिब ६०० वटा पालिकामा उपस्थिति जनाउँदै आएको लघुवित्त संस्थाहरू मार्फत अरबौँ ऋण लिएर त्यो ऋण भार नतिर्ने जस्ता मनसाय पोखिन थाले पछि तथा यस्ता वित्तीय संस्थाबाट कुनै एक प्रयोजन देखाई कर्जा लिएर अन्य कुनै प्रयोजनमा लगाउने तथा उक्त विषयमा ताकेता गर्नुपर्ने उत्तरदायित्व लघुवित्त संस्थाहरू खरो उत्रन नसकेको देखेपछि, तथा ऋण रकम सुरक्षा जस्ता विभिन्न विषयमा असुरक्षित लघुवित्त रणनीति प्रति संसद् भवनमा बहस चल्न सुरुवात गरेपछि लघुवित्त नियमावली २०६५ मा परिमार्जन लराएको छ । लघुवित्त क्षेत्रमा चालेको यस कदम पछि संवेदनशील पुँजी बजार तथा यस्ता क्षेत्रमा लगानी गर्दै आएका लगानीकर्ताहरूको डरसँगै नेप्सेमा उच्च गिरावट आएको देख्न सकिन्छ ।
सोमबार कारोबार सुरु गरेको दिन -२३.६० अङ्कको गिरावट आएको नेप्सेले बुधवार ३३.५७ अङ्कको वृद्धि तथा बिहीबार पुनः -५७.७४ अङ्कको गिरावट देखेको थियो । हप्ताको दुई दिन सार्वजनिक बिदाका कारण पूर्ण रूपमा क्षतविक्षत हुन् बाट बचेको नेप्से कहिले उकालो लाग्ने हो भन्ने प्रश्न लगानीकर्ता सामु यक्ष प्रश्नको रूपमा खडा हुन थालेको छ । अघिल्लो हप्ताको तुलनामा यस हप्ता नेप्सेले कुल १६ लाख ६८ हजार कारोबार रकम मा गिरावट देख्दै कुल ६ करोड २१ लाख बराबर को कारोबार गरेको थियो । यस कारोबार रकम कुल १ करोड ४० लाख बराबरको शेयर कारोबार मार्फत भएको देख्न सकिन्छ ।
यसै गरी नेप्सेमा सूचीकृत धितो पत्र तथा सोही धितो पत्र समूहका सम्पूर्ण उपसूचकमा राष्ट्र बैङ्कहरूको यस कदम पछि उच्च गिरावट भएको देख्न सकिन्छ । मौद्रिक नीति मार्फत सशङ्कित पुँजी बजार लघुवित्त सम्बन्धित नियमावली हरू सार्वजनिक भए सँगै थप त्रसित भएको छ भने लघुवित्त क्षेत्रमा गरेको कडाइका कारण असुरक्षित महसुस गर्दै धेरै लगानीकर्ताहरूले लघुवित्तको धितो पत्र बेच्दै बिहीबार लघुवित्त परिसूचक ले नेगेटिभ सर्किट हानेको देख्न सकिन्छ ।
यस्तै अन्य क्षेत्रमा पनि लगानीकर्ताहरूको बहुलयता नभएको देख्दा, फेरी अर्को बुल देख्न बजारले सार्वजनिक संवेदनशीलताका विषयमा ध्यान केन्द्रित गर्दै आम लगानीकर्ताहरूलाई स्थिर लगानी वातावरण सिर्जना गर्दै आकर्षण गर्नु पर्ने तथा पुँजी बजारमा रहेको बेथिति निरुत्साहित गर्दै बजार विकास तथा प्रवर्धन गर्नु पर्ने आवश्यकता रहेको प्रस्ट बुझ्न सकिन्छ ।
यस साताको विस्तृत कारोबार
Nepse
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
2,070.41
|
-57.74
|
-2.78
|
2,512,993,875.90
|
5,830,124.00
|
47,668.00
|
2/22/2023
|
2,091.56
|
33.57
|
1.64
|
1,783,947,425.80
|
4,320,314.00
|
39,456.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
2,046.81
|
-23.60
|
-1.14
|
1,916,250,884.70
|
4,252,349.00
|
37,837.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-47.77
|
-2.28
|
6,213,192,186.40
|
14,402,787.00
|
124,961.00
|
Earlier Week Total
|
-95.82
|
-4.45
|
6,382,092,612.00
|
15,908,611.00
|
118,308.00
|
Net Change
|
-143.59
|
-6.73
|
-168,900,425.60
|
-1,505,824.00
|
6,653.00
|
Sensitivity
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
384.36
|
-11.98
|
-3.02
|
1,025,071,050.70
|
2,612,583.00
|
16,806.00
|
2/22/2023
|
396.35
|
-4.81
|
1.23
|
657,637,483.50
|
1,570,330.00
|
12,069.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
391.54
|
-4.91
|
-1.24
|
743,879,344.90
|
1,651,841.00
|
12,068.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-21.70
|
-3.03
|
2,426,587,879.10
|
5,834,754.00
|
40,943.00
|
Earlier Week Total
|
-18.98
|
-4.63
|
2,899,441,210.10
|
7,357,392.00
|
46,400.00
|
Net Change
|
-40.68
|
-7.66
|
-472,853,331.00
|
-1,522,638.00
|
-5,457.00
|
Float
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
142.08
|
-3.98
|
-2.73
|
2,512,993,875.90
|
5,830,124.00
|
47,668.00
|
2/22/2023
|
146.06
|
2.34
|
1.62 %
|
1,783,947,425.80
|
4,320,314.00
|
39,456.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
143.73
|
-1.57
|
-1.08
|
1,916,250,884.70
|
4,252,349.00
|
37,837.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-3.21
|
-3.81
|
6,213,192,186.40
|
14,402,787.00
|
124,961.00
|
Earlier Week Total
|
-8.25
|
-5.47
|
8,141,995,990.20
|
20,082,979.00
|
154,705.00
|
Net Change
|
-11.46
|
-9.28
|
-1,928,803,803.80
|
-5,680,192.00
|
-29,744.00
|
Sensitivity Float
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
128.80
|
-3.93
|
-2.96
|
1,013,418,459.20
|
2,573,741.00
|
16,475.00
|
2/22/2023
|
132.74
|
1.46
|
1.11
|
646,720,791.60
|
1,534,317.00
|
11,583.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
131.27
|
-1.55
|
-1.16
|
740,175,399.80
|
1,638,931.00
|
11,860.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-4.02
|
-3.01
|
2,400,314,650.60
|
5,746,989.00
|
39,918.00
|
Earlier Week Total
|
-7.35
|
-5.33
|
2,876,738.10
|
7,278,410.00
|
45,449.00
|
Net Change
|
-11.37
|
-8.34
|
2,397,437,912.50
|
-1,531,421.00
|
-5,531.00
|
Banking Sun-Index
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
1,334.51
|
-24.22
|
-1.78
|
459,032,025.80
|
1,616,008.00
|
7,211.00
|
2/22/2023
|
1,358.73
|
16.83
|
1.25
|
270,055,626.80
|
899,618.00
|
5,393.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
1,341.90
|
-10.11
|
-0.75
|
325,926,197.20
|
1,071,730.00
|
5,409.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-17.50
|
-1.28
|
1,055,013,849.80
|
3,587,356.00
|
18,013.00
|
Earlier Week Total
|
-53.95
|
-3.89
|
1,113,610,754.20
|
3,262,668.00
|
18,995.00
|
Net Change
|
-71.45
|
-5.17
|
-58,596,904.40
|
324,688.00
|
-982.00
|
Development Bank Index
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
3,637.13
|
-53.09
|
-1.44
|
96,642,228.50
|
290,009.00
|
1,699.00
|
2/22/2023
|
3,690.22
|
80.54
|
2.23
|
75,480,108.60
|
227,223.00
|
1,420.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
3,609.69
|
-38.86
|
-1.07
|
67,667,595.10
|
210,051.00
|
1,622.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-11.41
|
-0.28
|
239,789,932.20
|
727,283.00
|
4,741.00
|
Earlier Week Total
|
-244.54
|
-6.41
|
465,282,466.30
|
1,389,173.00
|
7,957.00
|
Net Change
|
-255.95
|
-6.69
|
-225,492,534.10
|
-661,890.00
|
-3,216.00
|
Finance Index
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
1,699.70
|
-42.78
|
-2.46
|
101,421,934.10
|
264,065.00
|
1,798.00
|
2/22/2023
|
1,742.48
|
48.90
|
2.89
|
74,813,537.30
|
199,036.00
|
1,472.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
1,693.58
|
-14.86
|
-0.87
|
79,645,780.60
|
215,173.00
|
1,552.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-8.74
|
-0.44
|
255,881,252.00
|
678,274.00
|
4,822.00
|
Earlier Week Total
|
-111.98
|
-6.15
|
424,567,872.60
|
1,106,022.00
|
7,553.00
|
Net Change
|
-120.72
|
-6.59
|
-168,686,620.60
|
-427,748.00
|
-2,731.00
|
Microfinance Index
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
3,907.02
|
-412.02
|
-9.54
|
733,116,964.10
|
742,457.00
|
14,684.00
|
2/22/2023
|
4,319.04
|
-60.25
|
-1.38
|
261,731,808.70
|
201,460.00
|
5,479.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
4,379.29
|
-105.06
|
-2.34
|
243,188,229.50
|
183,057.00
|
5,321.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-577.33
|
-13.26
|
1,238,037,002.30
|
1,126,974.00
|
25,484.00
|
Earlier Week Total
|
-180.12
|
-3.87
|
800,302,666.10
|
609,068.00
|
15,569.00
|
Net Change
|
-757.45
|
-17.13
|
437,734,336.20
|
517,906.00
|
9,915.00
|
Life Insurance Index
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
10,204.44
|
-218.70
|
-2.10
|
126,363,276.20
|
220,276.00
|
2,216.00
|
2/22/2023
|
10,423.14
|
96.36
|
1.92
|
99,894,852.30
|
166,674.00
|
2,269.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
10,226.78
|
-86.66
|
-0.84
|
98,715,236.30
|
179,952.00
|
2,517.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-209.00
|
-1.02
|
324,973,364.80
|
566,902.00
|
7,002.00
|
Earlier Week Total
|
-558.90
|
-5.14
|
509,990,740.50
|
872,515.00
|
10,204.00
|
Net Change
|
-767.90
|
-6.16
|
-185,017,375.70
|
-305,613.00
|
-3,202.00
|
Non-Life Insurance
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
8,878.33
|
-198.92
|
-2.19
|
97,516,517.30
|
182,105.00
|
1,416.00
|
2/22/2023
|
9,077.25
|
-180.85
|
2.03
|
49,743,408.30
|
92,617.00
|
1,128.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
8,896.40
|
-63.25
|
-0.71
|
71,025,905.60
|
129,386.00
|
1,408.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-443.02
|
-0.87
|
218,285,831.20
|
404,108.00
|
3,952.00
|
Earlier Week Total
|
-360.26
|
-3.85
|
487,953,321.00
|
892,017.00
|
7,209.00
|
Net Change
|
-803.28
|
-4.72
|
-269,667,489.80
|
-487,909.00
|
-3,257.00
|
Investment Index
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
64.84
|
-1.12
|
-1.70
|
69,427,295.70
|
211,468.00
|
1,751.00
|
2/22/2023
|
65.96
|
1.63
|
2.53
|
75,526,348.70
|
250,951.00
|
1,953.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
64.33
|
-0.52
|
-0.81
|
68,304,253.30
|
221,251.00
|
2,016.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-0.01
|
0.02
|
213,257,897.70
|
683,670.00
|
5,720.00
|
Earlier Week Total
|
-308.00
|
-5.55
|
339,080,471.90
|
1,134,769.00
|
8,760.00
|
Net Change
|
-308.01
|
-5.53
|
-125,822,574.20
|
-451,099.00
|
-3,040.00
|
Manufacturing and Processing Index
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
4,947.37
|
-102.31
|
-2.03
|
97,165,883.30
|
71,874.00
|
1,342.00
|
2/22/2023
|
5,049.67
|
71.90
|
1.44
|
163,182,349.40
|
103,133.00
|
1,896.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
4,977.78
|
-164.72
|
-3.20
|
245,751,157.20
|
152,365.00
|
3,196.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-195.13
|
-3.79
|
506,099,389.90
|
327,372.00
|
6,434.00
|
Earlier Week Total
|
-156.03
|
-2.85
|
482,928,796.50
|
355,196.00
|
6,321.00
|
Net Change
|
-351.16
|
-6.64
|
23,170,593.40
|
-27,824.00
|
113.00
|
Hydropower Index
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
2,556.46
|
-58.07
|
-2.22
|
652,562,760.10
|
2,100,001.00
|
14,385.00
|
2/22/2023
|
2,614.53
|
96.92
|
3.85
|
645,437,029.90
|
2,087,121.00
|
17,570.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
2,517.61
|
-24.06
|
-0.95
|
548,515,123.90
|
1,779,883.00
|
13,818.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
14.79
|
0.68
|
1,846,514,913.90
|
5,967,005.00
|
45,773.00
|
Earlier Week Total
|
-159.41
|
-5.90
|
3,171,090,590.40
|
9,972,161.00
|
67,452.00
|
Net Change
|
-144.62
|
-5.22
|
-1,324,575,676.50
|
-4,005,156.00
|
-21,679.00
|
Hotel and Tourism Index
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
3,091.80
|
-98.32
|
-3.08
|
26,835,346.50
|
73,819.00
|
302.00
|
2/22/2023
|
3,190.12
|
94.99
|
3.07
|
15,186,350.50
|
36,217.00
|
210.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
3,095.13
|
-27.97
|
-0.90
|
13,539,817.20
|
35,636.00
|
227.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-31.30
|
-0.91
|
55,561,514.20
|
145,672.00
|
739.00
|
Earlier Week Total
|
-158.63
|
-4.84
|
100,943,021.10
|
239,774.00
|
1,182.00
|
Net Change
|
-189.93
|
-5.75
|
-45,381,506.90
|
-94,102.00
|
-443.00
|
Other Index
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
1,463.55
|
-30.41
|
-2.04
|
45,266,041.70
|
56,222.00
|
786.00
|
2/22/2023
|
1,493.95
|
28.31
|
1.93
|
44,172,576.30
|
54,269.00
|
599.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
1,465.64
|
-22.15
|
-1.49
|
37,847,396.80
|
46,821.00
|
699.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-24.25
|
-1.60
|
127,286,014.80
|
157,312.00
|
2,084.00
|
Earlier Week Total
|
-62.12
|
-4.06
|
197,384,165.40
|
238,685.00
|
3,257.00
|
Net Change
|
-86.37
|
-5.66
|
-70,098,150.60
|
-81,373.00
|
-1,173.00
|
Mutual Fund
|
Date
|
Close
|
Absolute Change
|
Percentage Change
|
Turnover Values
|
Turnover Volume
|
Total Transaction
|
2/23/2023
|
14.12
|
-0.26
|
-1.83
|
3,849,498.07
|
429,406.00
|
201.00
|
2/22/2023
|
14.38
|
-0.02
|
-0.15
|
2,736,154.08
|
323,225.00
|
216.00
|
2/21/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
2/20/2023
|
14.41
|
0.11
|
0.79
|
16,008,622.24
|
1,677,065.00
|
258.00
|
2/19/2023
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Weekly Total
|
-0.17
|
-1.19
|
22,594,274.39
|
2,429,696.00
|
675.00
|
Earlier Week Total
|
-0.30
|
-2.07
|
13,934,960.19
|
1,514,132.00
|
819.00
|
Net Change
|
-0.47
|
-3.26
|
8,659,314.20
|
915,564.00
|
-144.00
|