this is how a country dies…
२७ प्रतिशतले बढ्यो रेमिट्यान्स आप्रवाह
[https://www.ratopati.com/story/405660/rastra-bank-report](https://www.ratopati.com/story/405660/rastra-bank-report)
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The facade of the remittance boom has made many Nepalese delusional in thinking this is progress in the sense country is doing better…this has created a false sense of progress or prosperity fueled by exporting cheap labour and artificial inflation of lands and eventual imports of cheap Indian and Chinese goods or “luxury” in the market which have bloated the middle class lol kehi production chaina Natak chai khatra nai cha Nepaliko Tesla Rey iPhone Rey galaxy Rey suv Rey lol sab import garera…while the lower class and some middle class are forced to go and bust their asses at 50 degrees just to make ends meet…the affluent class are escaping and cashing out abroad even buying properties abroad and setting abroad…
गरिब नेपालका धनी नेपाली, अष्ट्रेलियामा घर जग्गा किन्दै || Nepal Times
[https://m.youtube.com/watch?v=bLCqxA\_wPx4](https://m.youtube.com/watch?v=bLCqxA_wPx4)
Upper class ta k vanney they are busy collecting the dollars that Nepalese are throwing away every year and are becoming multi millionaires and billionaires in USD uniharu fake NPR hold garera fake crorepati or kharabpati banney mood ma chaina they are in it and are gaining and becoming multi millionaires, billionaires they are all in a race to become next binod chaudary…
While derai mid class 4 5 yrs bahira jaanchu 1 2 carod kamauchu ani auchu tetile pugihalcha ni vanneyle currency devaluation vognaparyo vaney thahahuncha bcz most don’t know someone must bust their asses in 50 degrees and continuously send dollars to make that 1 2 carod have any worth in the country…last year dollar ghatda 6 months import ban Huda tyo paisa ko kehi matlab nai vayeko thiyena…tehi ho many are completely dumfounded…and chasing the future that is not real…main losers ta bichara gulf ma Janey hamrai daju Vai huneycha in future…with other crisis that follows after dollar dries up…
[https://www.setopati.com/opinion/307778](https://www.setopati.com/opinion/307778)
विपन्न तथा निम्न-मध्यम वर्गीय परिवारका सन्ततिले विदेशमा दुःख गरेर आर्जेको विदेशी मुद्राले मध्यम तथा उच्च वर्गीय परिवारका सन्ततिलाई विदेशमा अध्ययनको खर्च गर्न सम्भव भएको छ lol bahira vagna Pani sajilo vayekocha । परिवारका सदस्यलाई विदेश भ्रमणको रमाइलो सम्भव भएको छ। र, सुखी जीवनका लागि विदेशी वस्तु तथा सवारीसाधनको आयात सम्भव भएको छ। Tiktok insta haruma natak dekhaunalai Pani Sambav vayekocha kaa bata aairacha Kehi thahachaina…it’s dumb behaviour…
It’s all possible because someone is busting his ass at 50 degrees…Sab waste vairacha paisa, tyo effort but most importantly time…we can’t stop ageing…tespachi dollar aauna chodcha ani yeha vayeko NPR ko worth nai hudaina…We can’t export cheap labour forever…it’s simply not possible…
अघिल्लो दशकजस्तो विप्रेषणको भरमा उपभोग भनेकै आयात, र लगानी भनेकै घरजग्गा, जस्तो बहेको अर्थतन्त्रको चरित्रमा अब ‘ब्रेक’ लाग्नुपर्ने छ ।।। डा स्वर्णिम वाग्ले
[https://shilapatra.com/detail/100971](https://shilapatra.com/detail/100971)
विदेशी सञ्चितिको क्षमता नबढाएसम्म हामीले सधैं यही स्केलमा आयात त गर्न सक्दनौं ।
As we can’t supply cheap labour forever as well and hydro will not compensate the gap after remittance dwindles…Jun yiniharule dekhairacha bcz India has full monopoly on the market usle chaidaina vanyo vaney skyo…so aile aairaheyko dollar nai ho major source of the country for many decades yo peak vayera decline vayepachi etro volume ma dollar simply audaina tesaile sakdo save garera rakhna parney thiyo…but it has been wasted and still it’s going to waste…20 yrs of time and billions of dollars has been wasted on land speculation and mindless consumerism and materialism creating false sense of NPR wealth…
Remittance is stored at banks as deposits and it is used as loans and that loans are being wasted every year every day…
उच्च कर्जा विस्तारले आयात बढाउनुका साथै मूल्यवृद्धि, घरजग्गा, सेयरबजार, गाडीलगायत सम्पत्तिको मूल्य बढाउन प्रत्यक्ष योगदान गरेकाले आर्थिक वृद्धिमा निकै कम टेवा पुगेको अर्थविद्हरूको भनाइ छ ।
बैंक तथा वित्तीय संस्थाद्वारा प्रवाहित कर्जा उच्च दरले बढिरहँदा पनि आर्थिक वृद्धिदर निकै कम (कुनै वर्ष ऋणात्मक) हुनुले यो पुष्टि हुन्छ । राष्ट्र बैंकले चालु आर्थिक वर्षको मौद्रिक नीतिमा पछिल्ला २० वर्षमा बैंकिङ क्षेत्रबाट औसतमा १९.४ प्रतिशतले कर्जा विस्तार भएको र उक्त अवधिमा औसतमा साढे ४ प्रतिशत हाराहारीमा आर्थिक वृद्धि भएको तथ्यांक उल्लेख छ ।
विगतमा सरकारले हचुवाको भरमा आर्थिक वृद्धिको लक्ष्य तय गर्ने र त्यसकै आधारमा राष्ट्र बैंकले कर्जा विस्तारको लक्ष्य तोक्ने प्रवृत्ति रहेकाले कर्जा विस्तार र आर्थिक वृद्धिबीच वास्तविक तालमेल नदेखिएको राष्ट्र बैंकका पूर्वकार्यकारी निर्देशक नरबहादुर थापाले बताए ।
अहिले पनि अनौपचारिक अर्थतन्त्रको आकार ३० प्रतिशत रहँदै आएको राष्ट्र बैंककै उच्च अधिकारीहरूले सार्वजनिक रूपमा भन्दै आएका छन् । यही तथ्यांकलाई आधार मान्दा पनि नेपालको कुल आर्थिक क्रियाकलाप (अर्थतन्त्रको आकार) अहिलेको जीडीपी ५३ खर्ब ८१ अर्ब रुपैयाँभन्दा बढी कम्तीमा पनि ३० प्रतिशत बढी छ । ‘एकातिर अनौपचारिक कारोबार जीडीपीमा समावेश हुन सकेको छैन, अर्कोतिर जीडीपी गणनाको आधार (बेस) नै गलत छ । आधार नै गलत भएपछि त्यसको नतिजा पनि गलत हुन्छ,’ भट्टराईले भने, ‘यस्तो अवस्थामा अनौपचारिक अर्थतन्त्र औपचारिकमा लैजानेबारे बहस हुनुपर्थ्यो । त्यो भएन, हामी कर्जा संकुचनतिर लाग्यौं । पछिल्लो ४ माहिनायता कर्जा प्रवाह करिब स्थिर जस्तै छ । चालु आर्थिक वर्षमा पनि कर्जा विस्तार हुने सम्भावना कम छ ।’
कर्जा विस्तार एकातिर, आर्थिक वृद्धि अर्कोतिर [https://ekantipur.com/business/2023/07/31/169076711432148641.html](https://ekantipur.com/business/2023/07/31/169076711432148641.html)
lol yo madness kaile sma rahancha hola ajai…maybe 10 15 yrs tespachi decline…ani loan chai kasle tircha pachi…tirnalai ko ko farkiney…tyo Bela ailejastai FD ma halera sutera khaanchu vanera nasochda huncha 1 2 Carodle…pachi ksle lyaucha ailejastai sajilai dollar…kaabata aucha dollar…
५ वर्षमै दोब्बर भयो सरकारको ऋण, २२ खर्ब २१ अर्ब पुग्यो [https://www.onlinekhabar.com/2023/07/1340499](https://www.onlinekhabar.com/2023/07/1340499)
TLDR :- after 62 63 bs…private sectors were given license to run banks…many people went abroad sent in remittance…that remittance has been misused and used in asset market to inflate the asset prices while those who are working hard and sending in billions of dollars are not getting anything in return but a large bloated middle class has appeared because of artificial land inflation who are wasting the wasting in mindless consumerism and are cashing out and leaving the country and buying properties abroad…90 percent of ppl are carodpati and arabpati because of this artificial inflation in lands…billions of dollars has been wasted…yehi trend ma without any production in the country to generate the dollars and having been totally dependent on imports…which means if you manage to have 1 crore and would like to live off it by putting it in banks…someone or some ppl would have to go abroad and sent in required dollars to help import so tyo 1 crore ko worth is tied with the people going abroad hence if there are no more people that goes abroad we are fucked…we are heading in a direction where if remittance starts to decline which will eventually happen as we don’t have unlimited manpower to export…our currency will crash in the future or it will be devalued… devaluation looks certain…
View on r/Nepal by Puzzleheaded_Side924