KalikotOctober 17, 2019
Kalikot lies in Karnali Zone in Province 6 of Nepal. Manma is the district headquarter. The district, with an area of 1,741 sq. km is divided into 30 VDCs. Kalikot has 23,013 households with a total population of 136,948 (Male 68,833 & Female 68,115). The Karnali Highway connects Kalikot with other parts of the country; however the condition of the Karnali highway is very poor.
Economic and Financial Landscape
Agriculture (including livestock and poultry) and cottage industries are the main economic activities of the district. Agriculture forms the major source of income for about 97.17% of the households. Migration to the nearby cities of India for foreign employment has been on rise. Among the small and cottage industries registered, majority work in the service sector.
The district is served by eleven different branches of ‘A’ Class Commercial Banks. The population served per branch is 13,814 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.
The population of Kalikot comprises of 28.83% Chhetris, 25.08% Thakuri, 17.66% Kami, 17.11% Brahmin followed by smaller share of other groups, based on caste/ethnicity. Caste and gender based discrimination is very widespread in Kalikot. Even today, in some parts of the districts, Dalits aren’t allowed to enter the houses of people of other castes. Women are discriminated in many aspects, ‘Chhaupadi’ being one of them. Women do not own either land or houses in 94% of the total households. Preference to boy over girl child makes women bear more children, thus deteriorating their health conditions gradually. Child marriage and polygamy are still common in some parts/communities of Kalikot.
A key focus of Sakchyam is to increase the access to financial services and facilities for the rural poor of the district and particularly for women and other DAGs.
Sakchyam’s Ongoing Interventions
Value Chain Financing Innovations
- Agricultural Loan – targeting farmers in the district – has been launched in partnership with Sanima Bank.
Delivery Channel Innovations
- The programme has been able to reach the unbanked population of the district through the launch of one BLB Touch Point in partnerships with Global IME Bank and introduction of tablet banking by KMF in the district.
- To increase financial access for rural poor, branches of Sanima Bank (two branches), Nabil Bank (two branches), Shikhar Insurance Company and KMF (two branches) have been established in the district. NIBL has also established an extension counter and a branch in the district.
- Agriculture Development Bank Limited (ADBL) will establish three branches in the district under the Local Units Project.
- Launch of WII and Livestock Insurance in partnership with Shikhar Insurance Company
- The programme is supporting Sanima Bank deploy a Dedicated ARM to facilitate lending to rural poor