(A partnership between UKaid Sakchyam and Chhimek Laghubitta Bittiya Sanstha Ltd )


UKaid Sakchyam Access to Finance Programme (Sakchyam) is committed to connecting the rural poor, disadvantaged groups (DAGs), and women to formal financial service providers in order to enable them with choices to save, borrow, invest and earn. While enhancing access to finance for people living in remote and inaccessible regions is an urgent need, efficiency and sustainability of doing so are critical. Sakchyam believes that the adoption of new technology will help partner financial institutions achieve organisational efficiency and expand outreach in a more self-sustainable manner.


Traditional business practices still in use among many Microfinance Institutions (MFIs) have contributed to the high cost of operation and inefficient services to the clients. One prime example is the manual recording of loan and savings transactions; loan officers have to spend significant time manually recording the data twice – at the meeting and at the branch/home office in the core banking system – and travelling back and forth to the office. Such a time-consuming process leaves no time for other client-focused initiatives such as financial literacy.

Sakchyam Intervention

Under the first partnership project with Sakchyam, Chhimek had successfully introduced and implemented table-banking by establishing 38 digital points. The second partnership project aims to scale up Chimmek’s digitisation process by automating the organisation’s internal operational process and rolling out tablet-banking in all of its 136 branches. To further strengthen its tablet banking Chhimek has also upgraded the software with additional features with support from Sakchyam.


As of March 2021, Chhimek has:

  • Reached more than 316K beneficiaries (all women)
  • Disbursed more than NPR 1.9 billion in loans and collected deposits of more than NPR 1 billion
  • Procured and delivered 752 tablets; all 174 branches have started using tablets to automate transactions
  • Conducted more than 600 events (116,445 participants) on financial counselling to guardians and members
  • Provided Capacity Enhancement training on the use of tablets to 700 plus staff and assistant members
  • Procured 136 mini projectors and delivered to all branches for financial literacy initiatives