District Overview:

Jhapa falls in the Terai region of Eastern development region of Nepal. Chandragadi is the district headquarters. The total area of the district is 1,606 sq. kms, which is further divided into 37 VDCs and eight municipalities. Jhapa has 184,552 households with a total population of 812,650 (Male 385,096and Female 427,554) . The average household size is 4.18 whereas, the population density is 506.01 sq. km. The literacy rate in the district is 77.7%, which is the highest literacy rate in the country after Kathmandu, Kaski and Chitwan districts.

Economic and Financial Landscape

Agriculture and industries are the major source of economic activities performed by the households residing in the district. Having said that, only 28.6% of the households are engaged in agriculture . The main reason behind this is the growing popularity of migration and overseas employment. Major agriculture productions of this district are cereal crops (paddy, wheat and maize), cash crops, high value crops and jute farming as seasonal and non-seasonal as well as horticulture.
The district is served by 80 different branches of ‘A’ Class Commercial Banks, 24 different branches of ‘B’ Class Development Banks and 7 different branches of ‘C’ Class Finance Companies. The population served per branch is 7,890 against the national average of 8,960 . This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area.

GESI Issues

The district covers 1,606 km2 (620 sq mi). The 2011 census counted 812,650 populations. The average literacy rate is about 67.14% on which 58.8% female and 75.62% male are literate. This district has multi ethnic composition; majorities are Brahamin, Chetri, Rajbanshi, Limbu, Rai, Tamang, Kami, Damai etc. Common communicating language is Nepali (57.70%) followed by Rajbansi (13.40%), Limbu (5.49%), Santhali (3.59%) and Maithali (3.46%). Poverty and some caste based discriminations are the major problems of the district. Seasonal migration to overseas countries have created additional responsibilities for women and has increased their workload.
A key focus of Sakchyam is to increase the access to financial services and facilities for the rural poor of the district, particularly for women and other DAGs. Sakchyam Access to Finance programme will also focus on climate and GESI related concerns such as making available access to credit to support acquiring solar home systems, micro-hydro, biogas, improved cooking stoves, waste management technologies, climate resilient pre-fabricated houses, and financing to promote micro-enterprises, commercialise agriculture/livestock and agriculture value chains to support the poor’s higher productivity and income level etc.

Sakchyam’s Ongoing Interventions

Value Chain Financing Innovations

  • Targeting farmers, Tractor Loan Product has been launched in the district through a partnership with Laxmi Bank. They have also introduced Sakchyam Udhyami Karja, Micro Mortgage, E-Rickshaw and Livestock Loan in the district.


Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through introduction of Tablet/Mobile Banking under partnership with NUBL and Sahara SACCOS.


Outreach Expansion

  • To increase financial access for rural poor, one branch of Sahara SACCOS has been established in the district.


Financial Literacy Initiatives

  • Various programmes on financial literacy are being introduced through conventional channels as well as alternate delivery channels such as Tablets and mobile phones. These programmes have been launched in partnership with RMDC, NUBL and Sahara SACCOS.
  • Sahara SACCOS is conducting financial literacy campaigns through IVR, PGT, Centre Meeting Modules, FM Radio and videos.
  • NUBL is conducting financial literacy campaigns through Centre Meeting Modules and videos.
  • RMDC is conducting financial literacy campaigns through school level interactions and disseminating messages through mass media.


Product Development

  • Commercial Agricultural Loan Product and Renewable Energy Loan Product have been designed and implemented in partnership with Sahara SACCOS in the district.


Other Support

  • The programme is supporting Laxmi Bank, Machhapuchhre Bank and Sanima Bank to deploy Dedicated ARMs to increase financial services to the rural poor.