Bajura

District Overview

Bajura is one of the five districts within Seti Zone and lies in Province 7 of Nepal. Martadi is the district headquarters. The district, with an area of 2,188 sq. km, is divided into 27 VDCs. It has 24,888 households with a total population of 134,912 (Male 65,806 & Female 69,106). Literacy Rate in the district is 56% (women’s literacy rate is 43%).[1]

The only road network that connects the district to the rest of the region is the 62 KM Sanfe-Martadi road, which is frequently blocked during monsoon season due to landslides.

Economic & Financial Landscape

Agriculture (including livestock/poultry), cottage industries and trading are the main economic activities of the district. Wheat, paddy, buckwheat and potatoes are the main agriculture products of the district. Its rich forestry resource, around 43% of the total area is covered by forest, also provides potential for herb collection and processing.

The district is served by seven different branches of ‘A’ Class Commercial Banks and one branch of ‘B’ class development bank. The population served per branch is 18,586 against the national average of 8,960[2]. This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area.

Agriculture is the main income source of majority of households (around 81% of the households). If we analyse the use of credit products in Agriculture, only around 27% had agriculture credit out of which others (33%) followed by relatives (26%) and cooperatives (14%) were the major sources of credit.[3]

GESI Issues

Women suffer from gender based discrimination in education, nutrition, social and cultural norms. Disseminating practices such as Chaupadi (women and girls spend their menstrual days in the nearby shed and not allowed to enter their own home) are still prevalent. Women are less likely to be involved in economic activities outside home and are marginalised in major decision making. Caste based discrimination is still prevalent in district. The district also has a number of vulnerable groups such as former Haliyas (bonded labours).

A key aim of the AFP programme is to improve access to financial services and encourage formal participation in the economic sector for women and deprived segment of the districts. The AFP programme will use the GESI lens throughout the project cycle for addressing these issues.

Sakchyam’s Ongoing Interventions

Delivery Channel Innovations     

  • NIC ASIA Bank has launched one BLB Touch Pointin the district.
  • So far KMF has introduced the use of three tablets in their branches in the district.

Outreach Expansion

  • To increase financial access for rural poor, the programme has supported NIC ASIA Bank to open the first private A-Class Commercial Bank branch in the district. Besides this, Sakchyam is supporting G2P payments through commercial bank branches whereby Sanima Bank has opened one branch under the Local Units Project (LUP) and KMF has opened one branch.
  • Under the LUP, Himalayan Bank will establish three branches and Nepal Bank will establish one branch in the district.
[1] National Population Census (2011)  [2] Nepal Rastra Bank (July 2018) [3] National Sample Census of Agriculture (2011-2012)