Loan

Loan is the sum lent to other for certain time period with the agreement to charge interest on principal. The interest is charged certain percentage on the principal. When money belonging to one is advanced to another to be used for certain time period it is called loan. The basic objective of loan advancement is to earn interest as the reward for lending the sum for specific period.

 Commercial banks are organized institutes providing loans for the needed. The loan advancement is the main function of commercial banks .similarly interest on loan has become their main source of income. Bank do deposit accepting and lending business. Lending is a risky business. Loans are provided to earn interest. However sometimes it may be difficult even for the repayment of principal. In the situation there should be proper loan management in banks. Indeed making loan is the principal function of banks to fund consumption and investment spending by business individuals and government office. The fact how well a bank performs its lending function has a great deal to do with the economic health of the country. Bank loans support the growth of new businesses and jobs and promote economic vitality. Loan advancements account for more than half of bank’s total assets and about two thirds of their revenues. More risk in banking tends to be concentrated in the loan portfolio. When a bank gets into serious financial troubles its problems usually spring from loans. Generally loan problems emerge from the following reasons:

1.       Loans have become uncollectible due to mismanagement

2.       Illegal manipulation of loans

3.       Misguided lending policies

4.        Unexpected economic  downturn

Child right in Nepal

A child tries to enjoy the right as soon as it takes birth from the womb of its mother. The child gets care affection from its mother. As a result it grows older. Every child should be given  proper affection, primary health care balanced diet, basic requirements like clothing, fooding, favorable  environment , education and so on . The social discrimination and exploitation should be rotted out. The right which a state should ensure the child is known as child right

    Children are the future stars a nation. They are the future pillars of a nation. They are the foundation of development. If the foundation is strong the building will be strong and it will last for a long time. In the same way if  the children are given proper care they will be physically and mentally healthy. They can be good citizen of the nation they can contribute a lot for the progress of the nation.

    In our country the children are passing miserable life. Some are orphans. They are homeless. Thy are wandering about from place to place. They eat waste food which they find on the road some children are made work hard from morning to evening. They are given torture by the employer. They are depraved of the       opportunity of education and primary health care. They are struggling hard just to solve hard to mouth problem. They are discriminated on the basis of caste, sex. The sons are given more care than the daughters. The scheduled caste children are deprived of ever kinds of opportunity.

 In Nepal different agencies are functioning to protect child right the first is CWIN. The other are SOS,STC, UNDP, UNICEF. These agencies are not enough to protect the child right there should be the initiation of all the people in this regard. The local people should be activated.

   The conception of child right started in Nepal after the restoration of democracy in 2046 but it is not properly implemented. The law relating to the child right is stated in the constitution of Nepal 2048 in the article 2 sub article 17. Some of them are as follow:

1.       The children below 16 years of  the age are known as children

2.       The children below 14 year of age should not be employed in work from 6 pm to 6 ,am

3.       No child will be compelled to work against the will.

4.       The children will not be discriminated on the basis of  sex, religion, color and  caste.

5.       The name date of birth  birth place and parents name of each child will be maintained.

6.       No child will be given mental torture and behave rudely.

7.        No child below 10 years of age will be given any kinds of punishment.

8.       No child below 14 year of age will be employed as a worker. They will not be given work more than 6 hour daily and 36 hours weekly. They have the right to enjoy a day as holiday every week.

9.       No child wii be made work which affects the health.

10.    Child welfare centers will be set up for orphans. Separate child welfare centers will be set up for mentally retarded children.

11.   Child court will be set up to settle the cases of the child.

Nepal has signed in the international treaty and resolution to safeguard child right. The government is committed to safeguard the child right. But it is not translated into practice. First the government should take initiation. Only the government efforts cannot bring the desired results different non government organizations should be involved. The publicity plays an important role in this regard. Public awareness programmer should be carried out involving the local people. Local leadership should be encouraged. Then and there only we can protect child right.

South America

Place: 12 shovels north to 55 shovels south latitude and 34 diggers west to 81 digger west longitude

Area: 1,7832000sq. Km

Party-political, composition: 12 nations with four subjects

Mountain Ranges: the Andes (world’s longer Mt. chain), the Brazilian highlands the Guiana Highlands mount Aconcagua (6960m)

Major Rivers: the mean lady (the world’s largest river) the Parana the San Francisco the riodelaplata the Uraguay the orinoco and the paraguay

Main Lakes: Lake Titicaca the largest lake with the highest altitude of 3800 metres from the sea level and is navigable.

Physical division

Physical this continent is divided in to three regions

1.       The  western mountain system(the Andes)

2.       The central plains (central Grassland)

3.       The Eastern Highlands (the Guiana and the  Brazilian highlands)

People and Their Activities

  The northern part of South America includes Venezuela Brazil, French, , Guyana, Suriname, Guiana, and Columbia. The indigenous people of the amazon rainforest settled in the continent along with European settlers who entered in early 1800s A.D. coastal features of this contrast to the coastal areas in North America. However the amazon and the rio deal Plata are very suitable for direction finding, and fishing. The priorities of them are ranchers and live on crop and cattle farming tourism and industries are at developing theatricals but rising. Populate mainly follow Christianity in South America. Spanish and Portuguese are spoken in large area of the continent. 

Tourism in Nepal

Nepal is rich in her natural beauty. The snowcapped mountains, green forests and waterfalls are her main attractions. Thousands of tourists are attracted towards her normal beauty. Tourism

  There are many problems to create tourism. We have absence of accommodation. The vacationers are not well preserved,. There is the lack of safety. The tourists are even killed. There are no good hotels in many parts of the country. The beautiful parts of Nepal are not linked with roads. So the tourists cannot visit such places.

  We have to do many works to develop tourism. Goody  inns bear to be s, in typical parts of country. The safety system should be improved. The tourists should be ensured that they are completely safe. The people should be education to treat the tourists well. The engine able roads should be erected to link the different parts of the country. In this connection, the visit Nepal year 1998’ is important. Its objective was to increase the number of tourists and foreign currency. Good hotels are constructed and young people are trained. It has helped to develop tourism in the country. Such programmers should be launched from time to time. It is clear that tourism can be a great source of earing foreign currency. So priority should be given to develop it

Seniors and understudy Loan

Understudy Loan

Training is extravagant in some cases. To fund this venture, you can take out an understudy credit. Two arrangements are accessible to you: the understudy credit sure, by the State or the fantastic understudy advance that you can get from your bank.

Seniors Loan

Banks have long been hesitant to make credits to seniors, count lodging firsts for a more lengthy than normal, due to their age.

Yet the circumstance has changed in late ages. Seniors are now and then cracking reliable clients who are not anxious about joblessness. For the fortunate ones, a level of agreeable retirement and a significant individual commitment permits them to be especially fascinating customers.

The other component that has likewise pushed the credit foundations to mollify their stance and to all the more effectively concede financing for senior natives is the stretching of future. As indicated by a study led by the financial and Social Council in March 2008, future is ten years, in addition to three years for females and two years for men. The immediate outcome of this change is that today, an individual 60 years a substantial chance (three chances in four exactly) to achieve the age of 80, as per the same report. seeing this, a senior 60 years can back of truly get a credit in excess of 15 or 20 years unless his demise happening amid the life of the advance.

Hence, be mindful that in the event that you need to purchase land or on the off chance that you wish to embrace costs for the trek you had at all-time wanted, the age is fundamentally an obstruction to your undertakings.

However credits to seniors have extraordinary conditions (especially regarding protection) and credit can regularly be extravagant.

Two manifestations of credit have as of late developed. It is the reinforced home loan credit initially propelled by property of France and the life home loan credit land. These credits have in like manner to coordinate the benefit of lodging to assess the reliability of the borrower, while standard mortgages do consider the pay of the borrower.

Travelling

Human beings are always curious to know and see new things. So they travel from one place to another. Going from one place to another is called traveling. People travel from one place to another for various purposes. Some travel for business purpose and some for office purposes some travel to see new places and things. There are different ways of traveling like by bus by plane, by train, by cycle, on foot etc. some people like to travel by plane and some by bus or train. When we travel by. Bus or train we can see the new place on the way too but it is not possible while traveling by plane. Some on foot. It depends on the distance of the place.

   There are many advantages of travelling from one place to another. Travelling broadens our mind. We can see new places and new people we can talk to them. We can know their culture, customs and tradition. We can make many friends by travelling to other place. We can see many important things with our own eyes. Travelling also gives us pleasure. Travelling is a sort of education. We learn many things practically. We become close to the nature. We talk to other people. We learn about their ways and manners. We adopt their good things. It is said that education is not complete without travelling. So we should travel from one place to another. It is good for us. Travelling should be one part of our life

Social service

We live in a society. Social service is the service given to the people in a society. It is a virtue. Everyone can be it trouble. We must help those who are in trouble.

 We must help those who are in need. If we help others we can get help from other. If we do not help others we will not be helped. People can serve the society in different forms. The rich can help the society by spending money in social welfare activities like construction of schools, road, drinking water, hospitals and so on. The poor also can help the society by doing manual work different sectors like building the school, constructing the roads and others.

 Social service has many advantages. The giver is benefited indirectly. He can get love and respect of the society. The receiver can improve his condition. He is benefited directly.

           The majority of the people in Nepal are poor. They cannot develop the country only from the efforts of the government. The local people should also be encouraged to take part in the developmental activities.

   The students should be encouraged to take part in social welfare programmers. They can clean the streets, start literacy classes and other developmental activities.

The crow

The crow is a common bird. It is a small bird. It has short wings. It has a black neck. It has a beak.it is strong and big it is used for eating foods. The crow is black in color. It is found everywhere in the world. It lives on trees in big groups.

 The crow eats bread, butter, milk, eggs, rice, flesh and sweets. It is clever in stealing our food .the crow is a useful bird. It keeps the environment clean. It eats up and removes always so many dirty things. It is a natural cleaner. The crow is supposed to be the messenger of the god. People believe that some visitors will come to our house if the crow comes to our houses and begins to caw. It is also believed that some misfortune is likely to take place if it comes to our house with hash sound.

 The crow lives in flocks. It has a great sense of unity. If a crow is in problem other crows gather round and begin to cow

The elephant

The elephant is an extremely large animal.it is wise animal. it has four feet. It has legs which look
like pillar. It has a long nose it is used for the picking up things which it eats. It also by using the lip muscles water from it, it has poor hearing and sight. But it has a good sense of smell. There are different kinds of elephant some are dark and some are white. White elephants are rare.
The male elephant has long nose. The long nose elephant are costly. Different kinds of beautiful things are made from it.
It is found everywhere in the world. It lives in the forest. it lives in bamboo, grass, leaves and shoots. It loves to eat banana and sugarcane. It loves bathing in water. The elephant is a useful animal.it cans heavy loads. It is used for hunting and riding. It has a sharp memory.it always remembers the kindness or unkindness shown in it. They are taking part in marriages and religious processions. They are trained to take part in circus

The Goat

The goat is four footed domestic animal. it is not wild. Its body is covered with thick hair.it has a head with two horns. It is found everywhere in the world. The goats found in the northern part of Nepal are known as chancres. The goats are of two kinds local and improved. The local goats do not give a lot more milk. They are kept for meat. The improved ones give more milk.

The goat is a vegetarian animal. It lives on grass and leaves. It also eats grains. Maize is its favorite food. It is a useful animal. It gives us meat.it meat good for health. It also gives milk. Its milk is good for the sick people. Different kinds of leather goods can be prepared from its leather. Its hair can be used to make many kinds of goods. We should keep goat with care.

The Horse

The horse is a four footed animal. It is a domestic animal. It is not a wild animal. It has a big head. It doesn’t have any horns. It has a long and strong body. Its hoofs are clef. It has as long and bushy tail. It has mane in its neck. It is found everywhere in the world. Grass and leaves are its food. Bamboo leaves are its favorite food.

The horse is a useful animal.it draws cart and ploughs the land. It is used in race. In Nepal horses take part in race during ghode jatra. It is attractive. In the past horses were used as the chief means of transport. The small horses are known as pennies. They are used to carry goods mainly in the hilly regions of the country. The horses are useful in many ways. So we must take care of it.

The dog

The dog is a four footed animal. It is a domestic animal. It is not a wild animal. It has a big head.it doesn’t have any horns. It has two ears and two eyes. It has a short and curly tail. The dog is a carnivorous animal. It eats meat bread, rice etc. it likes meat very much. It has sharp teeth.it can chew the bones easily. The dog is found everywhere in the world

       The dog is a useful animal. It guards our house. It barks loudly at night. It doesn’t sleep soundly. The thieves cannot break into the house. The dog can be used for hunting. It can also detect criminals.it is useful to hunters and policeman.it loves its master, mistress and children. It feels unhappy when they are away. Sometimes it goes mad. The mad dogs bite is fatal. The inoculation saves the victim. The dog is a useful servant. So we must take care of it.

Introduction of Essay

An essay is a long piece of composition on a theme or subject on which the writer expresses his own thoughts feelings and ideas. It has a beginning middle and an end. The beginning usually introduces   the subject in general terms. The middle of the essay develops the theme and presents the writer’s thought on it with historical background advantages importance disadvantages existing condition etc.at last there should be suggestion recommendation conclusion of the whole essay.

A student is evaluated by the expression of his own mind. To write a good essays one should have the experience of the world a wide range of study and a habit of writing

How to write an essay?

·         Before you write an essay you should think about the subject on which you are going to write

·         When the idea comes into your mind try to write the points one after another.

·         Number the points in order like which point comes first give the number1……..

·         Cross out those points which are not relevant to the subject

·         If outline or clues have been given you must follow it closely. Use them as the frame/base of your writing.

·         Then start writing essay.one idea or thought should be written in one paragraph.

·         Give facts and figures if you know that will make your writing more valid.

·         Try to reflect your originality/creativity.

·         Make the beginning and ending interesting and natural.

·         You should not think that that the same of difficult words make your writing weighty. You should use simple words and short sentences. Do not use the same words repeatedly.

·         Use the words in which you are familiar. If you are not sure the meaning and correct spellings avoid them.

·         Write grammatically.

·         Your handwriting should be neat and legible.

·         After you have written the essay revise it carefully then correct all mistakes of grammar spellings etc.

Cow

The cow is a having four footed domestic animal. She is not wild animal. She has big head with two horns. She has a long body. Her body is covered with thick hair she has a long tail. She use it to drive away flies

The cows are of different kinds some are big and some are small. The big cows give a lot more milk than the small ones. Some cows in our country are small. They do not give more milk. But the big ones imported from india give more milk. Her main foods are grass hay and grains. She is not carnivorous. She likes maize powder the most. She eats her food in a peculiar way. First she swallows the food in the evening she sits for rest. She brings the food back and chews the food slowly.

The cow is our national animal she has many usefulness. She gives us milk. It is a nourishing food. A baby needs milk to grow up. Ghee butter curds are made from the milk. Her dung is used as fuel. Buttons are made from her bones and hides. Leather goods are from her skin. Her baby is known as calf. The grown up calf is known as an ox. The ox is the friend of farmer. He ploughs the land and draws cart. Her urine is regarded holy. Hindus regard her as goddess. we must take care of her