November 21, 2017

District Overview

Kalikot lies in Karnali Zone in the Mid-Western Development Region 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 five different branches of ‘A’ Class Commercial Banks and one branch of ‘B’ Class Development Banks. The population served per branch is 24,895 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 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.


Outreach Expansion

  • To increase financial access for rural poor, branches of Sanima Bank, Shikhar Insurance Company and KFM have been established in the district. NIBL has also established an extension counter in the district.


Other Innovations

  • Launch of WII and Livestock Insurance in partnership with Shikhar Insurance Company


Other Support

  • The programme is supporting Sanima Bank deploy a Dedicated ARM to facilitate lending to rural poor.

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