Bankers are in crisis

The main cause in US for economic crisis is lending money to people for real state purchase. In US the people culture has been developed in different ways. People want to have a bungalow and car. People start to receive loan from bank and bank also stated to lend money without collateral. Huge amounts of money gone to real state proprietors’ bag. As a result drastically decreases cash mobilization and economy began to collapse.

The global economy is affecting in international labor demand. Whereas Nepal’s one of the most important foreign currency earning source is international labor market. On one hand, the global market is affecting to Nepal by decreasing the international labor deman plus firing the existing labor. The other hand the bankers are destroying our economy because they repeating US practice by investing in real state sector. Though the banker justification is, they are lending to people against their collateral. The budget cost/value of land and building is increasing dramatically. People are paying high cost because of easy bank lending system.
The repetition of US scenario, the cash mobilization will be decrease; huge amount of money goes to real state promoters’ bag. As a result, in future the people will not be able to repay their loan due to the income source cut-off. Bankers are feeling secure because they are lending money against collateral. But in reality, if the economy goes down their strong justification will also collapse. This situation is really threat to banker to re-collect the installment.


Link to an article: website is at http://www.richardccook.com/. (R ichard C. Cook is a frequent contributor to Global Research. Global Research Articles by Richard C. Cook)

Disscussion Topic (Burnig Issue)

New concept about right on the paternal property in Nepal. In my opinion, we should move from children right on paternal property and start to discuss in different way. The paternal property can not be transferred to their children either son or daughter.
The new challenge can be faced by people. Everyone should get assurance from government that government will provide education and health security. If the property right not given both son and daughter the corruption level will be minimize. The government can make provision that certain percent of parents earnings or saving during life time can be held or the owner can decide what s/he want to do that portion of savings?

Experiences and skills

Professional Skills and Competencies

1. Financial Analysis of Projects as well as Organization
2. Financial and Technical Proposal Preparation
3. Campaign Management for Fund Raising for Financial Sustainability
4. National and International training/workshop management
5. Computer Knowledge on Microsoft Word, Excel, Freehand 9, Photoshop 5, Accounting Software Tally.

Trainings

Right Based Approach to Community Forest Management Training from February 23 to March 1, 2006 in Nawalparasi, Nepal.
Three weeks training in "Economics for a Green World" at Schumacher College in United Kingdom from July 3 to 22 2005.
One week Training in "Fund Raising for Financial Sustainability" in Colombo, Sri-Lanka from May 10-13, 2005.
Basic Computer Course Training at BITS computer Institute in 1998.

Personal Interest:

Become a Professional in Finance sector
Study in Economics or Finance
To work with challenging jobs


Worked Projects

“Adaptive Collaborative Management” project Phase I, II & III projects funded by CIFOR Indonesia and IDRC Canada.
“Developing Methodologies for Sustainable Harvesting of Medicinal Plants in Nepal” project funded by Oxford University UK and DFID.
“Strengthening Advocacy in local Governance Accountability (SALGA)” project funded by The Asia Foundation and USAid.
“Economic Incentive for Poaching One-Horned Indian Rhinoceros in Nepal” project funded by Poverty Reduction and Environmental Management (PREM) the Netherlands.
“Biodiversity Conservation in Terai Valley” funded by Whitely Award Foundation UK.
“Developing tools to examine the impact for Self Monitoring” funded by Nepal-Australia Community Resources Management and Livelihood Project (NACRMLP) and AUS Aid.
Publication management of Nepali Journal “Hamro Ban Sampada”, project funded by Action Aid Nepal.
Publication management of English Journal “Forest and Livelihood”, a research paper, Funded by Overseas Development Institute (ODI) UK.
“Research on Knowledge System (RoKS)” funded by IDRC Canada.
Management to produce video documentary about Community Forest in Nepal named “The Other Side of Coin.”
Management support to produce video documentary named “Economic Incentive for Poaching One-Horned Indian Rhinoceros in Nepal” funded by PREM
Logistic management for “National Workshop of Learning sharing of Adaptive Collaborative Management” September 9-10 2003 at Park Village Kathmandu.
In country small projects of Nepal NARMSAP DANIDA, Livelihood Forestry Programme (LFP), CARE Nepal.
Logistic Management on various trainings Self Monitoring, Right Based Approach in Community Forest Management.
Logistic management for Study tour to learn Community Forest in Nepal for South Asia Pacific region.

Developed Financial Proposals in additional submitted projects
Proposal for bio-diversity project to Small Grant Program (SGP), UNDP Nepal
Proposal for bio-diversity project to DARWIN Foundation.
Proposal for Gender and Justice in Community Forest in Nepal to IDRC Canada.
Proposal for training on Community Forest Management for Asia Pacific region to Regional Community Forest Training Centre (RECOFTC) Thailand.
Proposal for Korean study tour about Community Forest in Nepal to Swiss Development Cooperation (SDC) Nepal.

International Exposures:

Audit in Heifer Project International Funded projects in India and Sri Lanka from 12 - 26 March 2008
Study tour for 8 days in Chiang Mai and around the country of Thailand from 15 to 22 December 2006 which was held by HPI Nepal.
Three weeks training on Economics for Green World in Schumacher College, Devon, UK from 3-22 July 2005 self funded.
Four days training on Fund Raising for Financial Sustainability in Colombo, Sri Lanka from 10-13 May 2005 this was held by Venture for Fund Raising Philippines and funded by IDRC.

Profile

Raju Bikram Shah has an MBA, he finished in 1999 with specialization in Finance. He has over 10 years experience in financial manangement in development organization.