Publisher
Nepal Insurance and Risk Management Association (NIRMA)
Editor-in-Chief:
Prof. Fatta Bahadur KC, PhD
Tribhuvan University
Nepal
Email: fattakc@hotmail.com
Managing Editor:
Dr. Rabindra Ghimire, PhD
Associate Professor, School of Business
Pokhara University, Nepal
Email: editor@njiss.org.np
Editors:
Mr. Manoj Kumar Pandey
Associate Professor
Birla Institute of Management and Technology,
New Delhi, India
Email: manoj.pandey@bimtech.ac.in
Dr Lusine Karapetyan, PhD
Associate Professor
Armenian State University of Economics
Armenia
Email: lusine.karapetyan@asue.am
Vilas G. Waikar, PhD
Fellow Chartered Insurance Institute
Email: drvilaswaikar@gmail.com
Guest Editors:
Prof. Vikash KC
Tribhuvan University
Prof. Surya Thapa
Tribhuvan University
Dr. Levon Kocharyan
INGO ARMENIA INSURANCE
Dr. Susanna Aghajanyan
Armenian State University of Economics
Dr. Damaru Prasad Paneru
Pokhara University
Dr. Tulasi Ram Bhandari
Pokhara University
Copy Editors:
Yadu Raj Acharya
Tribhuvan University
Tek Bahadur Chhetri
Pokhara University
Suresh Raj Dhakal
Pokhara University
Raju Dhakal
Pokhara University
Prof. Keshar Jung Baral
Tribhuvan University, Nepal
Email: profkesharjbaral@gmail.com
Prof. Rajan Bahadur Paudel
Tribhuvan University, Nepal
Email: rajanbpaudel@gmail.com
Dr. Ram Kumar Phuyal
Member, National Planning Commission of Nepal
Email: phuyal_ram5@yahoo.com
Prof. W. Jean Kwon
School of Risk Management
Insurance and Actuarial Science St. John University, USA
Email: kwonw@stjohns.edu
Prof. Prashant Kumar
Banaras Hindu University, Varanasi, India
Email: kprashant58@gmail.com
Prof. Sankharashan Basu
Indian Institute of Management, Bangalore, India
Email: sankarshan.basu@iimb.ac.in
Prof. Muhammad Ziaulhaq Mamun
Institute of Business Administration
University of Dhaka, Bangladesh
Email: mzmamun@iba-du.edu
Prof. Soon-Jae Lee
Sejong University, South Korea
Email: sjlee@sejong.ac.kr
Prof. Wei Zheng
Chair and Professor
Department of Risk Management and Insurance
School of Economics, Peking University, China
Email: wzheng@pku.edu.cn
David M. Dror, Ph.D., DBA
Honorary Professor and Professor Emeritus
Chairman, Micro Insurance Academy
Email: daviddror@socialre.org
Nepalese Journal of Insurance and Social Security (NJISS) ISSN 2565-4942 (Print) ISSN 2738-9693 (Online) is Published by Nepal Insurance and Risk Management Association (NIRMA)
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International (CC BY-NC 4.0)