November 21, 2017

District Overview

Bardiya is one of the five districts within Bheri Zone and lies in Province 5 of Nepal. Gulariya is the district headquarter. Covering an area of 2,025 sq km, the district is divided into 31 VDCs and one Municipality. It has 83,176 households with a total population of 426,576 (Male 205,080 & Female 221,496).[1]

 Economic and Financial Landscape

Agriculture (including livestock/poultry), cottage industries and trading are the main economic activities of the district.   84.29% of the households stated agriculture as the major source of income. Among the small and cottage industries, majority belong to the service and production category while there exists none on construction, minerals and energy.

The district is served by twenty three different branches of ‘A’ Class Commercial Bank, and seventeen different branches of ‘B’ Class Development Banks. The population served per branch is 11,563 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.

GESI Issues

Bardiya’s total population comprises of about 53 percent Tharus, 11.45 percent Chhetris, 8.72 percent Brahmins followed by others, in terms of caste and ethnicity.[3] Among them, indigenous ‘Tharu’ community though comprising of the majority, are mostly landless and very poor. Discrimination and violence against women is common in all communities in Bardiya. A key aim of Sakchyam is to improve the access of financial services and facilities of the households of the area, giving special emphasis to rural poor, DAGs and ‘Mukta Kamaiya.’

 Sakchyam’s Ongoing Interventions

Value Chain Financing Innovations

  • Global IME Bank has introduced Warehouse Receipt Financing in the district.
  • Targeting farmers, Sajilo Khetipati Karja/Input Financing product has been launched in the district through a partnership with BOK.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through the launch of seven BLB Touch Points in partnerships with Everest Bank and two BLBs in partnership with Bank of Kathmandu.
  • NUBL has also introduction tablet banking with 10 tablets in the district.

Outreach Expansion

  • To increase financial access for rural poor, two branches of UNYC and one branch of BOK has been established in the district.

Financial Literacy Initiatives

  • Various programmes on financial literacy are being introduced through conventional channels as well as alternate delivery channels such as Tablets and mobile phones. These programmes have been launched in partnership with NUBL, RMDC and UNYC.
  • NUBL is conducting financial literacy campaigns in the district through Centre Meeting Modules and videos.
  • UNYC is conducting financial literacy campaigns through IVR, PFT, Centre Meeting Modules and FM Radio.
  • Janautthan has been using flip chart, videos and financial literacy manuals for carrying out different financial Literacy activities.
  • Nerude is using flip chart, videos to promote financial literacy to their clients and potential clients.

Product Development

  • Business Loan Product, Ujyalo Loan Product and Plan Savings Product have been designed and implemented in the district in partnership with UNYC.

Other Support

The programme is supporting Machhapuchhre Bank and Sanima Bank to deploy Dedicated ARMs to increase financial services to the rural poor.

[1] National Population Census (2011) [2] Nepal Rastra Bank (July 2018) [3] National Population Census (2011)

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