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


UKaid Sakchyam Access to Finance Programme (Sakchyam) is committed to connect 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 time-consuming process leaves no time for other client-focused initiatives such as financial literacy.

Sakchyam’s Interventions

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 September, 2019, Chhimek has:

  • Served over 33,000 customers
  • Conducted over 460 events (76,569 participants) on financial counselling to guardians, members, youths and adults.
  • Provided training on Capacity Enhancement to 550 plus staff and assistant members on the use of a tablet.
  • Procured and delivered 136 mini projectors to all branches for financial literacy initiatives
  • Procured and delivered 752 tablets in all branches. All 136 branches have started using tablets to automate their transactions.
  • Completed the assessment for the IT infrastructure requirement