November 21, 2017

District Overview

Rolpa lies in Rapti Zone in Province 5 of Nepal. Libang is the district headquarter. The district, with an area of 1,879 sq. km is divided into 51 VDCs. Rolpa has 43,757 households with a total population of 224,506 (Male 103,100 & Female 121,406).[1]

Economic and Financial Landscape

Agriculture (including livestock) and cottage industries are the main economic activities of the district. 95.21% of the households have agriculture as the main source of income.[2] However, due to limited employment opportunities in Rolpa, many young males travel abroad for employment opportunities, indicating the district receives significant remittance. The population of district headquarter, Libang is around 20,000 while that of Sulichaur is 60,000. Sulichaur is a major market point of the district where trading occurs at a big scale from entrepreneurs and businessmen across Rukum, Pyuthan, Salyan and Rolpa. Among the small and cottage industries, majority of the industries belong to the service sector, followed by tourism and the energy sector.

The district is served by ten different branches of ‘A’ Class Commercial Banks, and one branch of ‘B’ class Development Bank. The population served per branch is 21,251 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 Rolpa comprises of about 43.21% Magar, 33.8% Chhetris, 12.24% Kami, followed by smaller share of other groups, in terms of caste/ethnicity.[4] Rolpa is one of the worst hit districts by the decade long insurgency. Migration of young male population, domestic violence and household conflicts are quite common in the district.[5] Early marriage is an issue and data shows that almost 74 percent of girls in Rolpa get married as adolescents.[6] Although a third of all households in Rolpa are headed by women, they don’t own the house or the land in about 92% of households.[7] 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 

Outreach Expansion

  • To increase financial access for rural poor, two branches of Mahila Sahayatra, two branches of Janata Bank, two branches of VLBS, one branch of Nepal Bank Limited and one branch of NWCSC 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 Mahila Sahayatra, VLBS, RMDC and NWCSC.
  • VLBS, Mahila Sahayatra and NWCSC are all conducting financial literacy campaigns through IVR, PGT, Centre Meeting Modules, FM Radio and videos.

Product Development

  • Migration Loan Product has been designed and implemented in partnership with NWCSC.
  • Business Loan Product has also been designed and implemented in partnership with Mahila Sahayatra 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) [5] [6] Ibid [7] Ibid

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