The number of students is very low especially in Himalayan and hilly regions of Nepal were not possible to increase teachers according to the classes. Due to the lack of student and teacher, they could not be increased in the classroom. So, multi-grade teaching is found in most of the hilly and...

The people are achieving equal aims and goals have forming Cooperatives Society. It access to capital market for poor, middle class and illiterate people. Risk management always has been included, but different stakeholders most critical of all risks faced by depository institutions. Though...