(A partnership between UKaid Sakchyam and Kisan Bahuudyasiya Sahakari Sanstha Ltd)


Connecting the rural poor, disadvantaged groups (DAGs), youth and women to formal financial services to enable them with choices to save, borrow, invest, and earn is one of the core objectives of UKaid Sakchyam Access to Finance Programme. 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 organizational efficiency and expand outreach in a more self-sustainable manner.


Microfinance operation in Nepal is considered as expensive due to the high operational and monitoring cost. Maintaining efficient and effective delivery of financial services while keeping the operation costs low has come up as the major challenge for the Microfinance Institutions (MFIs).

The manual operating system, inefficient Management Information System (MIS), human resource intensive operational method, time-consuming transaction management and lack of innovation in the product and services are few factors for high cost and low profitability of the MFIs.

Sakchyam Intervention

Kisan Bahuudyasiya Sahakari Sanstha Limited (KBBSL) introduced tablet-banking to replace its manual operations in the first partnership project with Sakchyam. The use of tablets in conducting various operations led to reduced time and cost required in conducting transactions and centre meetings. This encouraged KBBSL to scale up the automation for its entire operations.

Under the second partnership, all the centres of KBBSL will use tablets to conduct/record the centre meeting transactions. The MFI also intends to upgrade the software, launch mobile banking app and debit cards for its members.


With the full-scale roll-out of tablet-banking, the transactions of all 2400 centres of KBBSL will go paperless benefitting 50,000 clients. The partnership also aims to provide financial literacy to more than 5500 clients and promote 600+ business loans.


As of March 2021, Kisan Cooperative has:

  • Reached 7 municipalities in one district
  • Reached more than 9,900 new customers (mostly women)
  • Disbursed loans of above NPR 180 million
  • Upgraded the tab application for signature upload, loan demand, saving collection and withdrawal outside the centre meetings
  • Introduced eSewa mobile banking solution to cooperative clients and mobile application for microfinance clients
  • Introduced student future savings targeting students of school and colleges
  • Introduced debit card to the cooperative clients