November 21, 2017

District Overview

Doti lies in Seti Zone in Province 7 of Nepal. Dipayal is the district headquarter. The district, with an area of 2,025 sq. km is divided into 50 VDCs and one municipality. Doti has 41,440 households with a total population of 211,746 (Male 97,252 & Female 114,494).[1]

Economic and Financial Landscape

Agriculture (including livestock and poultry) and cottage industries are the main economic activities of the district. Agriculture is the main source of income in about 92.51% of the households.[2]

The district is served by fourteen different branches of ‘A’ Class Commercial Banks and two different branches of ‘B’ Class Development Banks. The population served per branch is 13,349 against the national average of 8,960[3]. 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 Doti comprises of about 57.67 percent Chhetri, 12.10 percent Kami, 8.04 percent Brahmin, 4.55 percent Damai followed by others, in terms of caste/ethnicity.[4] Nepali is the most widely spoken language while languages like Magar and Tamang are also practised. Gender based discrimination is highly prevalent in Doti. Women suffer from gender-based violence and domestic violence, gender-based discrimination in education, household chores, nutrition as well as various social and cultural norms.[5] Women do not own either land or house in about 97% of the households; they are less involved in economic activities than men and mostly confined to domestic work and farming.[6] Discrimination to women also occurs in the form of ‘Chhaupadi’. In addition, domestic violence linked with excess alcohol consumption also exists in Doti.

A major focus of Sakchyam in Doti is to help the financial institutions mainstream GESI principles. It will also attempt to increase access to financial services and products to women and other disadvantaged groups via innovative value chain financing tools in a manner that could improve their livelihoods and self-dependence.

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 NIBL (one BLB point) and Everest Bank (five BLB points).
  • So far, KMF has introduced the use of tablets in the district.

Outreach Expansion

  • To increase financial access for rural poor, one branch each of NIBL, Nabil, Shikhar Insurance, and KMF have been established in the district.
[1] National Population Census (2011) [2] National Sample Census of Agriculture (2011-2012) [3] Nepal Rastra Bank (July 2018)[4] National Population Census (2011) [5] [6] Ibid

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