November 21, 2017

District Overview

Pyuthan lies in Rapti Zone in Province 5 of Nepal. Pyuthan Khalanga is the district headquarter. The district, with an area of 1,309 sq. km is divided into 49 VDCs. Pyuthan has 47,730 households with a total population of 228,102 (Male 100,053 & Female 128,049).[1]

 Economic and Financial Landscape

Agriculture (including livestock and poultry) and cottage industries are the main economic activities of the district. 75.6% of the population reported agriculture as the major source of income.[2] Among the registered small and cottage industries, majority work in the service sector, followed by the production sector and then the construction sector.

The district is served by fifteen different branches of ‘A’ Class Commercial Banks, and eleven different branches of ‘B’ Class Development Banks. The population served per branch is 9,154 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

Pyuthan’s total population comprises of about 32.58% Magar, 24.95% Chhetris, 13.92% Kami, 9.86% Brahmin, followed by others, in terms of caste and ethnicity.[4] Lack of educational opportunities has ultimately resulted in less economic/employment opportunities for women in the district. Early marriage and other discrimination issues also have taken their toll on the health of young girls. A key aim of Sakchyam is to increase the access to financial services and facilities so as to empower women and other disadvantaged groups of the area.

 Sakchyam’s Ongoing Interventions

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through introduction of Tablet/Mobile Banking via partnership with NUBL. Also, BOK has introduced two BLBs in the area.

Outreach Expansion

  • To increase financial access for rural poor, one branch of BOK, four branches of NWCSC, one branch each of VLBS, NIBL and Citizens Bank have 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 Mahila Sahayatra, VLBS, NUBL and NWCSC.
  • VLBS, Mahila Sahayatra and NWCSC are all 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.

Product Development

  • Migration Loan Product has been designed and implemented in partnership with NWCSC in the district.
  • Laxmi Bank has introduced Sakchyam Udhyami Karja, Micro Mortgage, E-Rickshaw, Tractor,  and Livestock Loan
[1] National Population Census (2011) [2] National Sample Census of Agriculture (2011-2012) [3] Nepal Rastra Bank (July 2018)[4] National Population Census (2011)

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