District Profile


District Overview

Salyan, with district headquarter Khalanga, is one of 5 districts in Rapti Zone in the Mid-Western Development Region. The district, with an area of 1951 sq. km is divided into 47 VDCs,and has 38,084 households with a total population of 242,444 (Male 115,969; Female 126,475). The overall literacy rate in the district is 48.5% (women’s literacy rate is at 36%).Agriculture, livestock, poultry, cottage industries and trading are the main economic activities. The district is served by 6 branches of BFIs.

With a Human Development Index (HDI) of 0.441 and Human Poverty Index (HPI) of 40.6, Salyan has better indicators than adjoining districts. Based on the several prioritization criteria set by Sakchyam, Salyan has been selected as a priority district for Sakchyam interventions in the first working year.

 

Sakchyam’s Ongoing Interventions and Partnerships

  • Capacity improvement of BFIs through new branch office openings of BFIs as a part of Sakchyam partnerships with – Vijay Laghubitta Bittiya Sanstha (VLBS), Mega Bank Nepal, Nepal Women Community Service Centre (NWCSC), Kisan Microfinance.
  • Enhancing access to finance via hybrid microfinance models for individuals and development of products targeting the missing middle.

Technology/ Delivery Channel Innovation

  • New Branchless Banking touch points to operate in Salyan through partnerships signed with – Mega Bank Nepal.
  • New partnership with Mega Bank Nepal Ltd. to reach unbanked population in Salyan via a Tab Banking intervention.

Financial Literacy

  • Partnered with Mega Bank Nepal Ltd. to reach the unbanked populations via Tablet Banking as a part of the Mega Aarthik Sakchyam Project, launched in March 2015.
  • Partnered with Vijaya Laughubitta Bittiya Sanstha to launch Financial Literacy Campaigns including an innovative Interactive Voice Response and jingles played in community radio stations to spread awareness on financial literacy methods.

Expected Results of Sakchyam Interventions

  • 3506 people will be brought into the financial system, including 1,501women and 852 people from Disadvantaged Groups (DAGs).
  • Financing behaviour will be changed by encouraging households to save.
  • Increased capacity of cooperatives that would benefit a large number of population.

Expected Outcome

  • Probability of more Financial Institutions adopting new technology platforms to deliver financial products and services to rural communities.
  • Empowerment of women and Disadvantage Groups through improvement in various development indicators such as education, health, etc.
  • Increase in access to financial facilities in the remote areas.

District Overview

Rukum, with district headquarter Musikot, is one of 5 districts in Rapti Zone in the Mid-Western Development Region. With an area of 2,877 sq. km, itis divided into 43 VDCs with 41,837 households and a total population of 208,567 (Male 99,159; Female 109,408). The overall literacy rate in the district is 62% (women’s literacy rate is at 54%).

With a Human Development Index (HDI) of 0.431 and Human Poverty Index (HPI) of 39, the district possesses enough potential to increase the level of economic activities. Based on the several prioritization criteria set by Sakchyam, Rukum has been selected as a priority district for rolling out interventions in the first year.

 

Sakchyam’s Ongoing and Proposed Interventions

  • Partnered with Vijaya Laghubitta Bittiya Sanstha in March 2015 to establish new branches.
  • Partnered with Nepal Women Community Service Centre to launch new branch offices in Rukum.
  • New business loan product launched in Rukum in partnership with Vijaya Laghubitta Bittiya Sanstha.
  • Technological Capacity Enhancement of Cooperatives by establishing more Branch Offices of BFIs to expand banking services, microfinance and micro-insurance through partnership with Vijaya Laghubitta Bittiya Sanstha and Nepal Women Community Service Centre.
  • Enhancing access to finance via hybrid microfinance models for individuals and development of products targeting the missing middle.
  • Accelerating financial inclusion via expanding the outreach of microfinance institutions through alternative delivery channel, i.e. BLB, agent banking and other.

Financial Literacy

  • Partnered with Vijaya Laughubitta Bittiya Sanstha to launch Financial Literacy Campaigns including an innovative Interactive Voice Response and jingles played in community radio stations to spread awareness on financial literacy methods.

Expected Results of Sakchyam Interventions

  • 620 people will be brought into the financial system, including 451women and 248 people from Disadvantaged Groups (DAGs).
  • Financial behaviour to be changed by encouraging households to save and invest.
  • Increased capacity of cooperatives to benefit a largerrural population.

Expected Outcome

  • Probability of more Financial Institutions adopting new technology platforms to deliver financial products and services to rural communities.
  • Empowerment of women and Disadvantage Groups through improvement in various development indicators such as education, health, etc.

District Overview

Kailali, with district headquarters in Dhangadhi, is one of five districts of Seti Zone in the Far Western Development Region. Covering an area of 3,235 sq. km, the district is divided into 42 VDCs and 2 Municipalities, and has 142,413 households with a total population of 775,709 (Male 378,417;Female 397,292). The overall literacy Rate in the district is 53% with women’s literacy rate at 37.5%. Agriculture (including livestock/ poultry), food processing industries, service industries such as transportation and hotels and trading are the main economic activities of the district. Kailali is served by 55 branches of Bank and FIs, which means every branch caters to 14,104 persons against national average of 10,062.

Human Development Index (HDI) is 0.46 while Human Poverty Index (HPI) is 29.5. As the district serves a gateway to various hilly districts of the region and possesses enough potential to expand its economic activities, Kailali has been selected as a priority district for rolling out interventions in the first working year of Sakchyam.

 

Sakchyam’s Ongoing Interventions and Partnerships

  • New branch offices of BFIs opened to increase to financial services for rural poor through partnerships with – UNYC and Bank of Kathmandu.
  • New Collection Centres opened to facilitate access to financial services through a partnership with Kisan Microfinance.

 

Technology/ Delivery Channel Innovation

  • New Branchless Banking touch points to improve reach to unbanked populations in Kailali through partnerships with – Mega Bank Nepal, Global IME Bank, NMB Bank, Nirdhan Utthan Bank.
  • New Tab Banking interventions to take banking facilities to doorsteps of rural populations through partnerships with – Mega Bank Nepal, Kisan Microfinance.

Value Chain Financing

  • Partnered with Global IME Bank to introduce warehouse receipt financing that will disburse NPR 290 million in loans over 3 years to benefit more than 4,000 farmers.
  • Partnered with Bank of Kathmandu to introduce invoice discounting facility for small holder farmers of Mahakali Sugar Mill that will disburse over NPR 100 million loans over the project duration to benefit at least 4000 small sugarcane farmers. The partnership was launched in February 2015.

Financial Literacy

  • Partnered with Mega Bank Nepal Ltd. to reach the unbanked populations via Tablet Banking as a part of the Mega Aarthik Sakchyam Project, launched in March 2015.
  • Partnered with UNYC Nepal to launch Financial Literacy Campaign.

 

Expected Results of Sakchyam Interventions

  • 20988 people will be brought into the financial system, including 15,576 women and 11,103 people from Disadvantaged Groups (DAGs).
  • Remote, rural communities, including members of Disadvantaged Groups (DAGs)will receive betteraccess to finance through products such as Tab banking.
  • Increased capacity of cooperatives that would benefit a large number of population.

 

 

Expected Outcome

  • Probability of more Financial Institutions adopting new technology platforms to deliver financial products and services to rural communities.
  • Empowerment of women and Disadvantage Groups through improvement in various development indicators such as education, health.
  • Decreased outward migration to neighbouring countries like India for labour jobs.

District Overview

Dang, with district headquarter Ghorahi,lies in the Bheri Zone,in the Mid-Western Development Region. With an area of 2955 sq km, it is divided into 39 VDCs and 2 municipalities, with 116,347 households and a total population of 553,048 (Male 261,524; Female 291,524). Overall literacy Rate in the district is 58% while women’s literacy rate is at 47%. Agriculture (including livestock/ poultry), manufacturing (including cement production) and food processing industries and trading are the main economic activities.

With a Human Development Index (HDI) of 0.485 and Human Poverty Index (HPI) of 34.9, the district has potential for increased economic activities. Based on Sakchyam’sdistrict prioritization criteria, Dang has been selected as a priority district for rolling out interventions in the first programme year.

 

Sakchyam’s Ongoing Interventions and Partnerships

  • Technological Capacity Enhancement of Cooperatives by establishing new Branch Offices to expand banking services, microfinance and micro-insurance through unique partnerships with – Vijay LaughubittaBittiyaSanstha (VLBS) and Nepal Women Community Service Centre (NWCSC).
  • Introduction of new business loan product through partnership with VLBS to promote MSMEs.
  • Partnered with NMB Bank to target informal (unregistered) businesses by developing a new model of SME & Micro-finance lending and usage of technology in the Dairy Chain Cluster.

Value Chain Innovations

  • Partnered with NMB Bank to target the informal (unregistered) businesses by developing a new model of SME & Micro-finance lending and usage of technology in the dairy chain cluster.

Technology/ Delivery Channel Innovation

  • New Branchless Banking touch points to open in Dang to expand access to financial services for rural populations through unique partnerships with – Mega Bank Nepal, NMB Bank.
  • New Tablet Banking intervention to take financial services to doorsteps of rural population through partnership with Mega Bank Nepal – Mega Aarthik Sakchyam.

Financial Literacy

  • Partnered with Mega Bank Nepal Ltd. to reach the unbanked populations via Tablet Banking as a part of the Mega Aarthik Sakchyam Project, launched in March 2015.
  • Partnered with VijayaLaughubittaBittiyaSanstha to launch Financial Literacy Campaigns including an innovative Interactive Voice Response and jingles played in community radio stations to spread awareness on financial literacy methods.

Expected Results of Sakchyam Interventions

  • More than 4934 beneficiaries to be brought into the formal financial system, including 3959 women and 1361 people from Disadvantaged Groups (DAGs).
  • Financing behaviour to be changed by encouraging households to save.
  • Remote, rural communities, including members of Disadvantaged Groups (DAGs) to receive better access to finance through products such as Tab banking.

 

Expected Outcome

  • Probability of more Financial Institutions adopting new technology platforms to deliver financial products and services to rural communities.
  • Empowerment of women and Disadvantage Groups through improvement in various development indicators such as education, health, etc.
  • Increase in access to financial facilities in the remote areas.

District Overview

Dadeldhura, with district headquarter in Amargadhi, is one of four districts in Mahakali Zone in Nepal’s Far Western Development Region. With an area of 1,538 sq. km, the district is divided into 20 VDCs and 1 Municipality with 27,023 households, and a total population of 142,094 (Male 66,656; Female 75,538). Overall literacy rate in the district is 53.43% with women’s literacy rate at 33.9%.Agriculture (including livestock/ poultry), manufacturing industries, and service industries such as hotels and lodges are the main economic activities. The district is served by 12 different branches of A-D class financial institutions. Most economic activities are concentrated in Amargadhi.

With a Human Development Index (HDI) of 0.442 and Human Poverty Index (HPI) of 35.8, the district has potential for increased economic activities. Based on Sakchyam’sdistrict prioritization criteria, Dadeldhura has been selected as a priority district for rolling out interventions in the first programme year.

 

Sakchyam’s Ongoing Interventions and Partnerships

  • Physical branch offices to provide formal financial sector services through partnerships with – Mega Bank Nepal, UNYC Nepal, Kisan Microfinance.
  • New Bank Extension Counters to provide formal financial sector services through Global IME Bank.
  • Partnered with UNYC Nepal to increase access of Micro Finance Services to indigenous Tharu, Dalit, Muslim, Madhesi, and ethnic communities and women from freed Kamaiya, Kamlahri, Adherawa, and Haliya communities.
  • New Collection Centres to open through partnership with Kisan Microfinance.
  • Targeting the informal (unregistered) businesses by developing a new model of SME & Micro-finance lending and usage of technology for mobile phone banking/branchless banking in the dairy chain cluster.
  • Technological Capacity Enhancement of Cooperatives by establishing Branch Offices to expand banking services, microfinance and micro-insurance.
  • Direct wholesale lending through deficit financing.

 

Technology/ Delivery Channel Innovation

  • Tablet Banking Products launched to reach out to rural populations with financial services through partnerships with Mega Bank Nepal Ltd. and Nirdhan Uthhan Bank.
  • New Branchless Banking touch points in Dadeldhura to expand access to financial services for rural poor through unique partnerships with – Mega Bank Nepal, UNYC Nepal, Global IME Bank, Nirdhan Utthan Bank.

Financial Literacy

  • Partnered with Mega Bank Nepal Ltd. to reach the unbanked populations via Tablet Banking as a part of the Mega Aarthik Sakchyam Project, launched in March 2015.
  • Partnered with UNYC Nepal to launch Financial Literacy Campaign.

Expected Results of Sakchyam Interventions

  • More than 6100 beneficiaries to be brought into the formal financial system, including 2671 women and 2149 people from Disadvantaged Groups (DAGs).
  • Financing behaviour to be changed by encouraging households to save.
  • Remote, rural communities, including members of Disadvantaged Groups (DAGs)to receive betteraccess to finance through products such as Tab banking.

 

Expected Outcome

  • Probability of more Financial Institutions adopting new technology platforms to deliver financial products and services to rural communities.
  • Empowerment of women and Disadvantage Groups through improvement in various development indicators such as education, health, etc.
  • Decreased outward migration for labour jobs in India and Middle East countries.

District Overview

Bajura, with district headquarters Martadi, is one of five districts in Seti Zone in the Far Western Development Region of Nepal. Covering an area of 2188 sq km, the district is divided into 27 VDCs, with a total of 24,888 households and total population of 134,912 (Male 65,806; Female 69,106).  Overall literacy Rate in the district is 56% with women’s literacy rate at 43%. Agriculture (including livestock/ poultry), cottage industries and trading are the main economic activities of the district.The district is served by only 2 branch offices of Banks and FIs.

With a Human Development Index (HDI) of 0.364 and Human Poverty Index (HPI) of 43.3, the district possesses enough potential to increase the level of economic activities. Based on the several prioritization criteria set by Sakchyam, Bajura has been selected as a priority district for rolling out interventions in the first year.

 

Sakchyam’s Ongoing and Proposed Interventions

 

Technology/ Delivery Channel Innovation

  • New partnership with Nirdhan Uthhan Bank Limited will launch Branchless Banking touch points to expand the reach of financial products and services to rural poor populations in Bajura.

Expected Results of Sakchyam Interventions

  • Hundreds of beneficiaries to be brought into the financial system through the new Branchless Banking touch points that will make monetary transactions easier and secure for locals.
  • Financing behaviour to be changed by encouraging households to save.
  • Remote, rural communities, including members of DAGsto receive betteraccess to finance through products such as Tab banking.

Expected Outcome

  • Probability of more Financial Institutions adopting new technology platforms to deliver financial products and services to rural communities.
  • Empowerment of women and Disadvantage Groups through improvement in various development indicators such as education, health, etc.
  • Decreased outward migration for labour jobs in India and Middle East countries.
  • New Branchless Banking touch points to stimulate local economic activity in Bajura.

District Overview

Baitadi district, in the Mahakali Zone of the Far Western Development Region, hasKhalanga as its district headquarters. With an area of 1,519 sq. km, the district is divided into 62 VDCs and 1 municipality. It has 45,167 households with a total population of 250,898 (Male 117,407 & Female 133,491).The overall literacy rate in the district is 62.97% with women’s literacy rate at 33.9%. Agriculture (including livestock/poultry), bee keeping, and cottage industries are the locals’ main income generating activities. The district has 7 branches of banks and financial institutions.

Human Development Index (HDI) is 0.416 while Human Poverty Index (HPI) is 39.6, much higher than the national average. Based on Sakchyam’s district prioritization criteria, Baitadi has been selected as a priority district for interventions in the programme’s first year.

 

Sakchyam’s Ongoing and Proposed Interventions

  • New Bank Extension Counters launched in partnership with Global IME Bank.
  • Added financial services through proposed New Physical Branches of Mega Bank Nepal.
  • Direct Wholesale Lending through Deficit Financing.
  • Accelerating financial inclusion via expanding the outreach of microfinance institutions through alternative delivery channel, i.e. BLB and agent banking.
  • New Collection Centres to be opened in partnership with Kisan Microfinance.

Technology/ Delivery Channel Innovation

  • Partnered with Mega Bank Nepal Ltd. to reach the unbanked population in Baitadi via Tablet Banking.
  • Kisan Microfinance will also introduce tablet banking.
    • Expanded financial services through Branchless Banking touch points of Mega Bank Nepal, Global IME Bank.

Financial Literacy

  • Partnered with Mega Bank Nepal Ltd. to reach the unbanked populations via Tablet Banking as a part of the Mega Aarthik Sakchyam Project, launched in March 2015.

 

Expected Results of Sakchyam Interventions

  • More than 6320 beneficiaries will be brought into the financial system, including 1112 women and 763 members of Disadvantaged Groups.
  • Remote, rural communities to receive improved access to finance via use of Tablet banking.
  • Increased capacity of cooperatives to benefit largerrural populations in remote areas.

Expected Outcome

  • Probability of more Financial Institutions adopting new technology platforms to deliver financial products and services to rural communities.
  • Empowerment of women and Disadvantage Groups through improvement in various development indicators such as education, health.
  • Increased access to financial facilities in the remote areas.

District Overview

Achham district is in the Seti Zone, in Nepal’s Far Western Development Region of Nepal with Mangalsen as its district headquarters. With an area of 1680 sq. km, the district is divided into 75 VDCs, with 48,318 households. The total population is 257,477 (Male 120,008 & Female 137,469).Overall literacy rate in the district is 53% with women’s literacy rate at 37%.Agriculture (including livestock and poultry), cottage industries, and trading are the main income generating activities here. The district is served by 6 branch offices of banks and financial institutions.

With a Human Development Index (HDI) of 0.378 and Human Poverty Index (HPI) of 46.7, the district has potential for increasedeconomic activity. Based on Sakchyam’s district prioritization criteria, Achham has been selected as a priority district for interventions in the programme’s first year.

 

Sakchyam’s Ongoing and Proposed Interventions

  • Partnered with Mega Bank Nepal to expand outreach of commercial bank’s financial services through new Branch Offices and Branchless Banking in Achham district.
  • Partnered with Nirdhan Utthan Bank to make its financial products and services available through branchless banking touch points and agency banking at difficult locations in Achham.
  • Targeting informal (unregistered) businesses by developing a new model of SME & Micro-finance lending and usage of technology for mobile phone banking/branchless banking in the dairy chain cluster.
  • Accelerating financial inclusion via expanding the outreach of microfinance institutions through alternative delivery channel, i.e. BLB and agent banking.

Technology/ Delivery Channel Innovations

  • Partnered with Mega Bank Nepal Ltd. to reach the unbanked populations via Tablet Banking as a part of the Mega Aarthik Sakchyam Project, launched in March 2015.

Financial Literacy

  • Partnership with Mega Bank will introduce Financial Literacy package through Tablet Banking to expand the access of the financial literacy material to more households.

 

Expected Results of Sakchyam Interventions

  • More than 3223 beneficiaries to be served by bringing them into the financial system through Sakchyam’s various interventions including 1811 women beneficiaries and 670 members of DAGs.
  • Change in financial behaviour by encouraging saving and investing culture.
  • Remote, rural communities, including members of DAGs will receive better access to finance through products such as tablet banking and branchless banking.

Expected Outcome

  • Probability of more Financial Institutions adopting new technology platforms to deliver financial products and services to rural communities.
  • Empowerment of women and Disadvantage Groups through improvement in various development indicators such as education, health, etc.
  • Increased access to financial facilities in the remote areas.
  • Use of technology encouraged to play a role in advancing access to finance in rural Nepal.