November 21, 2017

District Overview

Jajarkot lies in Bheri Zone of Province 6 of Nepal. The district headquarter is located in Bherimalika Municipality. The district, with an area of 2230 sq. km is divided into 26 VDCs and one municipality. Jajarkot has 30,472 households with a total population of 171,304 (Male 85,537 & Female 85,767).[1]

Jajarkot is connected to the other districts only by road network. However, due to poor road conditions, there are blockages seen, especially during monsoon.

Economic and Financial Landscape

Agriculture, livestock and cottage industries are the main economic activities of the district. Agriculture is the major source of income for about 96.85% of the households[2], however the district frequently suffers from food deficit. Among the small and cottage industries registered, majority work in the service sector followed by construction and production.

The district is served by five different branches of ‘A’ Class Commercial Banks, and one branch of ‘B’ Class Development Bank. The population served per branch is 31,580 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 Jajarkot comprises mostly of Chhetris (55%), Dalits (27%), Brahmins and Janajatis.[4] Gender and caste based discrimination have decreased than in the past, however not entirely eliminated. Domestic violence is highly prevalent in the district and one of the major factors behind it has been intake of alcohol.[5] Child marriage is another huge issue. Among those aged 10 and older, 3% of men and 12% of women first married before they were 15, and 48% of men and 67% of women first married between the ages 15 and 19.[6] Households are also affected by bonded labour, which is not limited only to a particular community.

A key aim of the Sakchyam Access to Finance Programme is to increase the access to financial services and facilities by implementing value chain financing activities that would help to improve the economic status of rural poor, especially women and DAGs.

Sakchyam’s Ongoing Interventions

Outreach Expansion

  • To increase financial access for rural poor, two branches of KMF, three branches of Agricultural Development bank, one branch of NIC Asia and one branch of VLBS have been established in the district.
  • Also, KMF has introduced four tablets in the district to increase outreach.

Financial Literacy Initiatives

  • VLBS and Mahila Sahayatra are conducting financial literacy campaigns through IVR, PGT and Centre Meeting Modules in the district.
[1] National Population Census 2011 [2] National Sample Census of Agriculture 2011-12 [3] Nepal Rastra Bank (July 2018) [4] http://un.org.np/sites/default/files/jajarkot_district_profile.pdf [5] http://un.org.np/sites/default/files/jajarkot_district_profile.pdf [6] Ibid

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