Now let me say something about the original question. The question has been constructed possibly with an advanced economy in mind. BECAUSE, though the text book economy may say that higher employment may lead to higher demand for loan, in the case of Nepal, unemployment may not mean that people will not want more loan to go to Arab countries (as Karmapa has already said). Now I focus towards another issue. The banks in Nepal may want to have higher inflation atfter all BECAUSE more than 50 % of deposits are in fixed (time deposits with fixed interest rates) whereas the banks reserve the right to revise interest rates whenever they so desire in ALL of their loans. So if the inflation is, say, 200 % for a given period, most probably followed by a very high interest rate (only in their loans!), the banks should be openign bottles of champagne everyday. khai ke ho ke ho yo economics bhanne chij pani....too many hypothesis!