November 21, 2017

District Overview

Dailekh lies in Bheri Zone in Province 6 of Nepal.  With an area of 1,502 sq. km, the district is divided into two municipalities and 49 VDCs. Dailekh has 48,919 households with a total population of 261,770 (Male 126,990 & Female 134,780).[1]

Economic and Financial Landscape

Agriculture, livestock and cottage industries are the major economic activities of the district. Agriculture is the major source of income for 93.22% of the households.  Among the registered small and cottage industries, majority work in the service sector followed by the production sector.

The district is served by sixteen different branches of ‘A’ Class Commercial Banks. The population served per branch is 17,864 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

The population of Dailekh comprises of about 49% Chhetris, 24% Dalits, 14% Brahmins and 12 % Janajatis among other caste and groups.[3] Women in Dailekh continue to face discrimination in terms of caste and gender till date. One of the primary reasons for such discrimination is the patriarchal social structure that gives more preference to men. Other common practices that threaten women’s wellbeing are ‘Chhaupadi’, rape, attempt to rape, economic marginalization, and human trafficking. Child marriage is common in Dailekh. Among those aged 10 and older, 6 percent of men and 17 percent of women first got married before they were 15 years old and 50 percent of men and 65 percent of women first got married between the ages of 15 and 19.[4]

A key aim of Sakchyam Access to Finance programme would be to increase the access of financial facilities and services to the rural poor and DAGs. This would be possible via implementation of value chain financing activities.

 Sakchyam’s Ongoing Interventions

Outreach Expansion

  • To increase financial access for rural poor, three branches of KMF, one branch of VLBS, one branch of Shikhar Insurance and one branch of NIBL have been established in the district.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through introduction of tablet banking via partnership with KMF (twenty one tablets).
  • Chhimek Laghubitta Bittiya Sanstha has established one Digital Point in the district.

Financial Literacy Initiatives

  • VLBS is conducting financial literacy campaigns PGT and Centre Meeting Modules in the district.
 [1] National Population Census (2011) [2] Nepal Rastra Bank (July 2018) [3] http://un.org.np/sites/default/files/dailekh_district_profile.pdf [4] Ibid

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