District Overview

Dadeldhura is one of the four districts within Mahakali Zone and lies in the Far Western Development Region of Nepal. The district, with an area of 1,538, is divided into 20 VDCs and 1 Municipality. It has 27,045 households with a total population of 142,094 (Male 66,656 & Female 75,538). Literacy Rate in the district is 53.43% (women’s literacy rate is 33.9%).

The district is well served by road network. Dadeldhura is the gateway to various hilly districts of the region such as Accham, Doti, Baitadi, Bajura, etc. Due to its strategic location, the district has a potential to be a regional hub.

Economic & Financial Landscape

Agriculture (including livestock and poultry), manufacturing industries, service industries such as hotels and lodges, are the main economic activities of the district. All round favourable seasonality and better farming practices have translated into a high potential for High Value Off Season Vegetable (HVOV) farming and other agricultural commodities such as paddy, wheat and maize. Its rich forestry resources, around 78% of the area is covered by forest, also provides potential for herb collection and processing.

The district is served by eleven different branches of ‘A’ Class Commercial Banks and two different branches of ‘B’ Class Development Banks. The population served per branch is 11,639 against the national average of 8,960 . 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 91%). If we analyse the use of credit products in Agriculture, only around 33% had agriculture credit out of which farmer’s group was the largest source of Credit (36%), followed by relatives (33%) and FIs (10%) .

To unleash the full potential of the agriculture sector, there is a need to increase access to credit and other financial products on the district.

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

Value Chain Financing Innovations

  • A new loan product, Input Financing targeting farmers will soon be launched in partnership with Kanchan Development Bank.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district by establishing BLB Touch Points in partnership with Mega Bank (one BLB), Global IME Bank (three BLBs) and Everest Bank (one BLB).
  • So far, KMF have introduced the use of tablets in the district.
  • Chhimek has established seven Digital Points and distributed six tablets in the district.

Outreach Expansion

  • New branches of FIs have been opened in the district to increase financial access for rural poor via partnerships with Mega Bank (one branch), Global IME Bank (one extension counter), KMF (one branch), Chhimek Bikash Bank (one branch).

Financial Literacy Initiatives

  • Chhimek Bikash Bank is conducting financial literacy campaigns through Pre-Group Training (PGT), Centre Meeting Modules and videos.