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In any given year, there are very few occasions to talk about volunteerism, about the “duty to serve”. These are topics that should be truly embedded in our lives and should be seen as one of the main focuses of our daily conversations.

Considering the staggering and mounting problems societies around the world are facing, it is not an exaggeration to imagine citizens to be driven by their own lives’ goals but also engaged in the pursuit of the common good.

As idyllic as it might sound, it should not be unthinkable to foster a sense of community belonging in which volunteering and serving others become a natural thing to do, a sort of duty that is not a burden but a personal relief that gives people joy and satisfaction.

Instead, there is a dearth of celebrations for a “holistic giving culture”, barring a few exceptions like the International Volunteer Day (Dec 5) and the Nelson Mandela International Day (July 18).

July 18 is another call for action to remember the contributions of Mandela, the father of modern, free and democratic South Africa often referred to as Madiba—his clan name.

There is another special occasion that is normally celebrated only in the USA on the third Monday of each January: Martin Luther King Day or MLK Day. Martin Luther King Jr was the quintessential icon of the civil rights movement, who fought against segregation and a racial system that basically was a form of apartheid. Both Madiba and Martin Luther King Jr picked tough battles against political systems at a very high personal cost.

These were against apparently insurmountable roadblocks, structures of power which, by design, were alienating and discriminating against large parts of populations living in their respective nations that, in both cases, happened to be people of color.

Madiba initially had chosen to take a violent path against the white supremacist regime of South Africa but years and years of detention made him understand that the only way forward was peace obtained through dialogue and reconciliation.

Martin Luther King Jr instead was crystal clear from the outset about the changes he and with him, many others, were envisioning for a different, more just and truly united America, could materialize only through nonviolent civil disobedience. Driven by his Christian faith, King Jr said, on 19 Aug 1967, in Atlanta, “power at its best is love implementing the demands of justice, and justice at its best is power correcting everything that stands against love.”

In one of his most important public addresses titled ‘Remaining Awake Through a Great Revolution’, delivered at Morehouse College Commencement, on 31 March 1968, King Jr shared: “It is no longer a choice, my friends, between violence and nonviolence. It is either nonviolence or nonexistence”.

“Nonviolence is the answer to the crucial political and moral questions of our time; the need for mankind to overcome oppression and violence without resorting to oppression and violence. Mankind must evolve for all human conflict a method which rejects revenge, aggression and retaliation. The foundation of such a method is love,” he said during his Nobel Peace Prize acceptance address on 10 Dec 1964, in Oslo.

King Jr knew deeply that nonviolence and peaceful resistance were the only methods which could have resulted in a better, more human nation.

Violence would have brought only more blood and with it, an unending cycle of revenges and retribution. King Jr invested in building a real organized movement because creating a more equal society was not just his job. Rather, it was a collective effort of a myriad of citizens, including numerous white Americans, who stood for justice and against bigotism, racism and hatred.

King Jr and many others, who even laid their lives for the societal changes they were envisioning, had realized that those changes could only materialize with a dedication at building people’s skills, starting with principles and values-based leadership.

There are many definitions of leadership but to me what counts the most is that leadership starts with personal endeavors, with a personal commitment at trying to be better not just for self-improvement but also for the enhancement of the society.

One of the most famous quotes of King Jr that has been one of the central messages of MLK Day since its initial nationwide observance in 1986 was: Everybody can be great because everybody can serve.

To serve others, you need to be driven by unassailable and universal principles and values and by doing something for others, you will always end up learning something, enhancing your leadership capabilities.

“You don’t have to have a college degree to serve. You don’t have to make your subject and your verb agree to serve. You only need a heart full of grace, a soul generated by love,” is another nugget of wisdom from King Jr.

It is indeed paramount to think about embedding our society with a culture of service, a culture of helping each other.

The concept of “duty to serve” could be imagined as a call for action in which people are neither compelled nor obligated to help others but make a personal choice to dedicate some of their time, skills and energies to the society.

State agencies in Nepal and elsewhere should facilitate and make it possible for citizens from all walks of lives to be involved and be engaged in public lives, driven not by a spirit of self-interest but by altruistic aims. Volunteerism, unfortunately, is too often discounted and neglected. Nepal is also a striking example and itself a contradiction.

The country has high social capital but state agencies are not doing enough to capitalize on it. By the way, what happened to the draft National Volunteering Policy that was supposed to be endorsed years ago?

With or without such a policy, it is never late to talk about volunteerism and service and it is never a lost cause to talk about ways to promote them.

MLK Day is a federal holiday in the USA; it should be embraced universally.

And let’s not forget that we cannot avoid talking about key and inalienable rights when we talk about volunteerism.

Certainly, you can also volunteer in authoritarian regimes and many of these nations do promote volunteering and yet, theirs is just a very convenient and disingenuous approach.

Because what’s the point of genuinely serving others if you do not have freedoms and your rights are not respected?

That’s what King Jr fought for, let’s not forget it.

Recent reports of a Human Metapneumovirus (HMPV) outbreak in China have triggered global concerns, with echoes of the early Covid-19 pandemic raising speculation about a potential health emergency. However, HMPV is not a new or mysterious virus. It has been well-documented for decades as a significant cause of respiratory illness in children, elderly and immunocompromised individuals.

Identified in 2001 at Erasmus Medical Center in the Netherlands, HMPV was initially isolated from children with respiratory illnesses. Published in Nature Medicine, this study indicated all Dutch children were exposed to HMPV by the age of five. Retrospective analyses, however, suggest HMPV has been circulating in humans for 50 years.

HMPV belongs to the Pneumoviridae family along with respiratory syncytial virus (RSV) and the Metapneumovirus genus. This enveloped, single-stranded negative-sense RNA virus has two genetic lineages, A and B, further divided into six sublineages: A1, A2.1, A2.2.1, A2.2.2, B1 and B2. Emerging sublineages A2.2.1 and A2.2.2, were recently identified in pediatric respiratory infections in South India, as reported by the International Society of Infectious Diseases in 2025.

A Virology Journal 2009 genetic study by Vanderbilt University suggests HMPV diverged from Avian Metapneumovirus 200–400 years ago via zoonotic spillover from an avian reservoir, with phylogenetic evidence indicating a spillover event around 200 years ago, emphasizing HMPV’s long-standing presence in human populations.

Symptoms, risk groups and treatment

HMPV is a common etiological agent of respiratory tract infections, affecting infants, children under 15, the elderly, and immunocompromised individuals. Nearly all children are exposed by age five, with reinfections occurring throughout life. According to the US Centers for Disease Control and Prevention (CDC), it spreads via respiratory droplets, close contact, or contaminated surfaces, similar to the transmission of SARS-CoV-2, with an incubation period of 3–6 days. Symptoms vary from mild cough, nasal congestion, fever, and breath shortness to severe pneumonia, bronchiolitis, asthma exacerbations, especially in high-risk groups.

Infants and young children are prone to severe bronchiolitis and pneumonia. The elderly, often with comorbidities like asthma, may experience complications. Immunocompromised individuals face prolonged or severe illness, and pregnant women are at risk of respiratory complications that could affect both maternal and fetal health.

No specific antiviral treatment or vaccine exists for HMPV. Management relies on supportive care, supplemental oxygen, antipyretics and intravenous hydration when needed.

Seasonal outbreaks

HMPV is a seasonal respiratory virus, primarily circulating during late winter and early spring in temperate regions, similar to influenza and RSV. Recent reports of increased cases in China and parts of Asia align with this seasonal pattern. US CDC data also highlight annual outbreaks during these months, influenced by climatic conditions.

Despite comparisons to the Covid-19 pandemic, HMPV is not a novel virus. Identified over two decades back, it has been extensively studied, with over 300 PubMed scientific articles available. While it causes localized outbreaks, its transmission dynamics and clinical severity do not indicate pandemic potential. For instance, HMPV was the predominant virus during the 2002–2003 winter in Norwegian children hospitalized for respiratory infections, as reported in The Pediatric Infectious Disease Journal. Severe pneumonia occurred in some cases, but widespread outbreaks have remained limited to specific populations.

HMPV outbreaks have been documented globally, including Israel (2003), Japan (2003–2004), South Africa (2009-2013), Nicaragua (2011-2016), Western Sydney (2018), South Korea (2022), India (2022), China (2017-2023) and various regions. In Pakistan, HMPV accounted for 5–7 percent of pneumonia admissions in children at Aga Khan University Hospital (2009–2012). HMPV causes 5–10 percent of pediatric acute respiratory infections (ARIs) hospitalizations and is the second most common viral pathogen in certain settings. ARIs are a major global public health problem, causing significant morbidity and mortality, particularly in children.

A 2019 study at Nepal’s Kanti Children’s Hospital revealed a prevalence of 13 percent among children with ARIs, with infections more frequent in those under three years old (22 percent). Symptoms like cough and fever were universally observed.

Besides, data from Nepal’s Sarlahi district (2011–2014) detected HMPV in five percent of infants, identifying three genotypes (A2, B1, B2). A recent Chinese CDC analysis ranked HMPV second among 11 respiratory viruses affecting children under 15 years, with a positivity rate of 6.2 percent in influenza-like illness.

These findings reflect a seasonal uptick, not an unprecedented surge. Factors like colder weather and increased indoor crowding contribute to HMPV’s seasonal prevalence.

Covid-19 lessons

The Covid-19 pandemic highlighted the importance of preparedness, evidence-based communication and robust public health strategies in managing infectious disease outbreaks. While HMPV does not pose the same threat as Covid-19, its current attention emphasizes the need to apply these lessons. Strengthened surveillance systems are essential for early detection, while public education can counter misinformation, reduce anxiety and encourage preventive behaviors. Investment in research on HMPV’s pathogenesis, treatments and vaccine development is key to mitigating its long-term impacts and bolstering public health resilience.

Precautions

The rise in HMPV cases in China and India warrants vigilance but not alarm. Vulnerable populations—infants, rural children, immunocompromised individuals—are particularly at risk, in regions with limited healthcare resources like Nepal. Preventive measures, supportive care and community-driven initiatives are critical to minimizing HMPV’s burden.

Between 2011 and 2014, HMPV infections in rural southern Nepal were associated with adverse outcomes, including an increased risk of small-for-gestational-age births in pregnant women. Interventions targeting febrile respiratory illness in pregnancy could improve maternal and neonatal health in resource-limited settings.

Hygiene practices, regular handwashing and respiratory etiquette, alongside isolation during illness, can reduce HMPV transmission. Enhanced diagnostic capabilities and heightened awareness will support disease management and safeguard at-risk groups.

Policymakers, healthcare providers and community leaders must collaborate to strengthen surveillance systems, improve diagnostics and develop effective preventive strategies. Public health messaging should prioritize education and reassurance, focusing on practical actions to protect vulnerable populations. By taking informed and measured steps, HMPV’s impact can be effectively mitigated, fostering resilience against future viral outbreaks.

The author is a researcher with a PhD degree at Nexus Institute of Research and Innovation

Gender equality has become a challenge in Nepal due to several sociocultural factors. Adhikari R and Sharma J (2022) write in European Bulletin of Himalayan Resource that (in Nepal), women are stereotypically represented as vulnerable, uneducated, or less educated Third World women. The social and political system of Nepal dominated by a patriarchal structure and rooted caste-based hierarchy system has a crucial role in this. Harmful traditional practices (HTPs) such as Chhaupadi, caste-based discrimination, witchcraft accusations, child marriage, dowry and persecution are root causes behind domestic violence and gender inequality.

The United Nations (UN) and the Nepal Administrative Staff College (NASC) define gender as the set of characteristics, social roles, responsibilities, power relations, identities and behavior patterns that distinguish women from men, which are constructed socially and culturally. Sex refers to the biological and physiological differences between males, females and intersex (reproductive differences based on genitalia, chromosomes and hormones) as determined by nature. It is universal and unchangeable. In short, sex refers to biological, born with, not changeable, and gender refers to socially constructed, not born with, changeable.

The International Organization for Migration states that, in Nepal only 22.9 percent of working-age women are in some form of employment compared to 48 percent of men. A UN Women report states that in 2021, only 13 percent of women were in managerial positions in Nepal whereas 22.9 percent of working-age women were engaged in minimum level of employment in comparison with men (employed at 48 percent). It states further that one-third of girls are still married before 18, and the highest rate of polygynous marriage is found in Bagmati Province (at 3.7 percent). 

Nepal Police records for the year 2020-21 show that 4222 men committed suicide compared to 2919 women, probably pointing toward the effect of toxic masculinity and social pressure.

It’s been 23 years since Nepal signed and ratified the United Nations Convention on the Elimination of All Forms of Discrimination against Women (UN CEDAW), but gender equality is still a far cry in the country, notwithstanding some improvements at the institutional level. For example, the Constitution of Nepal 2015 has inclusion as a key feature. Formulation and implementation of other relevant acts and policies has increased women’s representation in the parliament to nearly 40 percent. 

There are two primary aspects to gender equality: a) human right or institutional perspective b) social or religious perspective. 

The social-religious perspective is more relative and contextual as it influences the entire society and institutions to build a system to be continued for development as a process. 

The Global Gender Gap Report 2024 from the World Economic Forum reveals that Iceland, Finland and Norway are the top three countries in terms of gender equality, each achieving a score exceeding 87 percent. This improvement is primarily attributed to a positive shift in the personal attitudes and behaviours of individuals, particularly among men toward women; however, the percentage of women in political representation remains around 44-46 percent. According to this report, Rwanda is in the 39th position with women making up 63.8 percent of parliamentary representatives (55 percent of cabinet members are women) and four out of seven judges in the Supreme Court are women. Nepal ranks 117th out of 146 countries in gender equality with a gender inequality index score of 0.661.

This shows that measures like formulation of policies and inclusion of women in top leadership positions roles may not be enough to ensure meaningful inclusion and equality in society. In the pursuit of inclusion, many countries exhibit tokenism driven by superficial advocacy and promotional efforts. In reality, true inclusion and equality stem from recognizing the inherent worth and resilience of every individual while embracing diversity with an open mind and a genuine commitment to education that translates knowledge into meaningful action.
In order to transform a patriarchal society into a gender-equal society, we must begin by giving boys and girls equal rights in ancestral property apart from empowering women with targeted programs and ensuring balance in power dynamics through affirmative actions for proportionate inclusion and meaningful participation of every woman in the system and structures.

The author is a Disability Inclusion Advisor at the United Mission to Nepal 

The banking sector in Nepal is currently grappling with a multitude of challenges that have far-reaching implications for the economy. One of the most significant issues is a marked decline in dividend distribution. Historically, banks in Nepal were able to deliver a hefty number of dividends. However, in the last fiscal year, many institutions struggled to provide even a 10 percent dividend, with the sector-wide average falling below five percent. This decline has eroded investor confidence, prompting large investment groups to reconsider their stakes in the sector. The shrinking returns on both capital gains and dividends have exacerbated this hesitancy, underscoring the urgent need for reforms to restore trust and stability.

The decrease in dividend capacity is not a result of NRB policies but stems from the individual banks’ operational challenges. Efficient banks have still been able to distribute dividends, with some banks providing dividends of up to 26 percent, while others have not been able to do so. The banking sector’s struggles are primarily driven by external pressures, including market rumors, which have hindered the functioning of lower-level bank branches. This external pressure has added complexities to the financial ecosystem, and despite the solid capital base of the banks, non-performing loans have risen.

Regulatory changes, particularly the proposed amendments to the Bank and Financial Institutions Act (BAFIA), have further complicated the situation. A contentious provision restricting shareholders who hold more than one percent of a bank’s shares from obtaining loans from other financial institutions has raised concerns among stakeholders. Historically, industrialists have played a pivotal role in establishing banks, but such measures could compel them to liquidate shares or settle loans, leading to market instability. These regulatory changes, coupled with declining demand and operational strain, have stifled the sector’s growth potential. In this context, the Nepal Rastra Bank (NRB) has introduced provisions designed to protect the financial system and avoid a panic scenario. These measures are meant to ensure stability without stifling the long-term viability of the sector.

Economic downturns have also driven a sharp increase in non-performing assets (NPAs), a critical metric for assessing financial health. The average NPA ratio has risen from 1.67 percent two years ago to approximately 4.5 percent, with some ‘C’ category financial institutions reporting NPAs exceeding 10 percent. Even with loan restructuring facilities, NPAs remain near five percent, posing a significant threat to the sector’s stability and the broader economy. Weak loan demand and structural challenges continue to compound these risks, further destabilizing the financial system. This reflects the broader macroeconomic challenges, as well as the unique pressures faced by the banking sector.

The NRB recognizes these challenges and has been working on regulatory frameworks that aim to ensure the resilience of the banking system. While some banks have faced difficulties in profitability, it is essential to note that the NRB’s measures are intended to safeguard the sector, providing the necessary framework for long-term stability. For instance, while external issues have raised questions about profitability, it is clear that banks cannot operate without profitability, and returns on capital investments are critical for sustained operations. The NRB's efforts are geared toward ensuring that the banks remain operational and sustainable, even amid a challenging environment.

Profitability in the banking sector has significantly declined. The return on equity (ROE), a key indicator of financial performance, fell from 21.94 percent in FY 2021-22 to just 4.80 percent in FY 2023-24. Reduced net interest income, weak loan demand and regulatory constraints on fee and commission income have collectively strained earnings. Operational costs, particularly investments in IT infrastructure and compliance, have added to these pressures. While banks like Standard Chartered Bank and Everest Bank reported relatively higher ROEs, others, such as Nepal Bank, struggled to remain profitable. Despite these challenges, NRB’s approach to banking supervision is aimed at creating a balanced environment where the banks are supported through difficult periods without compromising the sector’s financial health.

Credit expansion has been stagnant these days mainly due to the lack of demand. A mismatch between liquidity and demand further compounds the problem, leaving banks with substantial liquidity but limited opportunities for productive lending. This scenario underscores the need for a balanced regulatory framework that promotes both stability and growth. While the NRB’s policies may limit some aspects of banking operations, they are designed with the long-term health of the sector in mind, ensuring the banking system remains solvent and resilient even during challenging periods.

Nepal’s broader economic structure adds another layer of complexity. The government faces a revenue deficit of Rs 170bn, low capital expenditure and high recurrent costs, all of which highlight fiscal imbalances. Federalism has introduced additional financial burdens without commensurate resources for development. High debt-servicing obligations strain the budget further, forcing the government to issue treasury bills even for routine expenditures. Stagnation in the real estate sector and declining investor morale exacerbate these economic pressures, highlighting the need for systemic reforms.

Leadership in the banking sector is undergoing significant changes. Younger leaders, often with decades of experience, are driving digital transformation and operational efficiency. At leading banks, approximately 80 percent of transactions are now digital, enhancing customer satisfaction and streamlining operations. However, aggressive lending strategies aimed at stimulating loan growth have often compromised profitability. A more sustainable approach that aligns banking operations with national development goals, such as job creation and productive investments, is essential for long-term stability.

While some macroeconomic indicators provide grounds for cautious optimism, the persistent lack of credit demand in productive sectors remains a concern. Stabilized foreign exchange reserves and declining interest rates offer a foundation for recovery. However, a comprehensive review of federalism’s fiscal structure, along with targeted expenditure cuts, is critical to avoid a potential debt trap. Transparent collaboration between the private sector and the state can help restore confidence and drive economic recovery.

To address these challenges, a multi-faceted approach is essential. Regulatory frameworks should be revised to strike a balance between stability and growth. Encouraging productive lending and reducing excessive constraints can create a more conducive environment for banking operations. Establishing high-level commissions to address systemic issues and promote transparent collaboration between the private sector and the state is crucial. Additionally, investments in technology and innovation will enhance operational efficiency and customer satisfaction.

The NRB’s policies are continually evolving to ensure the stability of the banking sector while navigating the external challenges it faces. The regulator remains committed to safeguarding the financial system’s integrity, ensuring that both stability and growth can coexist in the long term. Banks are expected to adapt to the changing economic landscape while continuing to contribute to national development. The NRB’s framework aims to foster a balance between operational efficiency, profitability and financial stability, ultimately enabling the banking sector to thrive in challenging economic times.

In a nutshell, while the banking sector in Nepal faces significant challenges, a concerted effort to implement targeted reforms and foster collaboration between stakeholders can pave the way for recovery and growth. By addressing structural inefficiencies and focusing on sustainable practices, the sector can overcome current adversities and emerge as a cornerstone of Nepal’s economic stability and progress. The path forward requires bold decisions, innovative solutions and a collective commitment to building a robust and resilient financial system that supports the nation’s aspirations for sustainable development.

The author is deputy director at Nepal Rastra Bank