November 21, 2017

District Overview

Sarlahi is a district that lies in the Janakpur Zone of Province 2 Nepal, with Malangwa as it headquarters. It is further divided into 98 VDCs, five municipalities and six Electoral Constituencies. The district having 132,803 households, has a total population of 769,729 (Male 389,756 and Female 379,973) and a population density of 610 kms.[1]

The district is famous for tomato production and supply. Scientific tomato farming was practiced in Sarlahi district at Bagwani Kendra Nawalpur, Netragunj. Farhadwa is the village which is famous for fish production and export.

Economic and Financial Landscape

Agriculture, Industry and Service are the major activities performed by the residents of the district. However, only 22.92% of the households report to have agriculture as their major source of income[2].

The district is served by 44 different branches of ‘A’ Class Commercial Banks, and 8 different branches of ‘B’ Class Development Banks. The population served per branch is 16,403 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 highest population of Sarlahi is that of Yadav (15.51%), followed by Muslims (7.93%). The population of Sarlahi further consists of 3.58% of Brahmin, 3.72% Chhetris, 1.99% Magar followed by others, based on caste or ethnicity. Gender based discriminations is the major problem of the district. Seasonal migration to India for employment is also an observed problem.

The main gender issues in the district are restricted movement of women, torture related to dowry, alleged witchcraft, child marriage, domestic violence and barring from education. Violence related to witchcraft occurred in the district as recently as 2010, though no more recent incidents have been reported.

A key focus of Sakchyam Access to Finance programme will be cultivation of cash crops such as sugarcane, tomato, potato, chilies, horticulture, and tropical fruits by enabling and enhancing the access to finance (value chain financing) to DAGs and poor people from the rural part of the district. Apart from this lands under the community and leasehold forest programmes can support cultivation of medicinal and aromatic plants to provide employment and income for DAGs and also support for production of Non-Timber Forest Products.

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.

Other Products

  • Laxmi Bank has introduced Sakchyam Udhyami Karja, Micro Mortgage, E-Rickshaw, Tractor, and Livestock Loan

Financial Literacy Initiatives

  • NUBL is conducting financial literacy campaigns through Centre Meeting Modules and videos.
  • Nerude is using flip chart, videos to promote financial literacy to their clients and potential clients.
[1] National Population Census (2017) [2] National Sample Census of Agriculture (2011-2012) [3] Nepal Rastra Bank (July 2018)

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