Dadeldhura

District Overview

Dadeldhura is one of the four districts within Mahakali Zone and lies in Province 7 of Nepal. The district, with an area of 1,538 sq.km, 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%).[1]

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 seventeen different branches of ‘A’ Class Commercial Banks and two different branches of ‘B’ Class Development Banks. The population served per branch is 8,060 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 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%)[3].

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

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 NIBL (one BLB).
  • So far, KMF has introduced the use of seven tablets and Chimmek Laghubitta has introduced nineteen 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), NEFSCUN (one branch), Global IME Bank (one extension counter), Prabhu Bank (one branch), KMF (one branch), Chhimek Laghubitta Bittiya Sanstha Ltd (one branch).

Financial Literacy Initiatives

  • Chhimek Laghubitta Bittiya Sanstha Ltd is conducting financial literacy campaigns through Pre-Group Training (PGT), Centre Meeting Modules and videos.
[1] National Population Census 2011 [2] Nepal Rastra Bank (July 2018) [3] National Sample Census of Agriculture (2011-2012)