Achham


District Overview

Achham is one of the five districts within Seti Zone and lies in Province 7 of Nepal. Mangalsen in the district headquarter. The district, with an area of 1,680 sq.km, is divided into 73 VDCs and two Municipalities. It has 48,318 households with a total population of 277,477 (Male 120,008 & Female 137,469). Literacy Rate in the district is 53% (women’s literacy rate is 37%).  The district, compared to other hilly districts in the region is well served by road network; more than 50% of the VDCs are connected through road network.

Economic & Financial Landscape

Agriculture (including livestock and poultry), cottage industries, trading are the main economic activities of the district. Its rich forestry resource, around 52% of the area is covered by forest, also provides potential for herb collection and processing.

The district is served by eleven different branches of ‘A’ Class Commercial Banks and two different branches of ‘B’ Class Development Banks. The population served per branch is 21,377 against the national average of 8,960.[1] This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area.

Agriculture is the main income source of majority of households (around 89% of the households). If we analyse the use of credit products in Agriculture, only around 26.5% had agriculture credit out of which relatives was the largest source of Credit (36%), followed by women’s group (33%) and farmer’s group (13%)[2].

To unleash the full potential of the agriculture sector, there is a need to increase access to credit and other financial products on the district.

GESI Issues

Women suffer from gender based discrimination in education, nutrition, social and cultural norms. Disseminating practices such as Chaupadi (women and girls spend their menstrual days in the nearby shed and not allowed to enter their own home) are still prevalent. Women are less likely to be involved in economic activities outside home and are marginalised in major decision making. Caste based discrimination is still prevalent in district. The district also has a number of vulnerable groups such as former Haliyas (bonded labours).

A key aim of the AFP programme is to improve access to financial services and encourage formal participation in the economic sector for women and deprived segment of the districts. The AFP programme will use the GESI lens throughout the project cycle for addressing these issues.

Sakchyam’s Ongoing Interventions

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district by establishing Branchless Banking (BLB) Touch Points via partnerships with Mega Bank (three BLBs), Janata Bank (six BLBs), NIBL (three BLBs) and Prabhu Bank (four BLBs).
  • So far KMF has introduced the use of ten tablets and NUBL has introduced 4 tablets in their branches in the district.
  • One Digital Point has been established by Chhimek Laghubitta Bittiya Sanstha (Chhimek) in the district.

Outreach Expansion

  • New branches of Financial Institutions have opened to increase financial access for rural poor via partnerships with Citizen Bank (one branch), KMF (two branches), Mega Bank (one branch), Nabil Bank (two branches), NIBL (one branch), Prabhu Bank (one branch) and Nirdhan Utthan Bank Limited (NUBL) (one branch).

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.
  • NUBL is carrying out Interactive Voice Response (IVR) campaign in the district.
[1] Nepal Rastra Bank (July 2018)

[2] National Sample Census of Agriculture 2011-2012

Arghakhanchi


District Overview

Arghakhanchi lies in Lumbini Zone in Province 5 of Nepal. Sandhikharkha is the district headquarter. The district, with an area of 1,193 sq. km is divided into 42 VDCs and two electoral constituencies. Arghakhanchi has 49,459 households with a total population of 1,93,631 (Male 82,535 & Female 111,097).[1]

 

Economic and Financial Landscape

Agriculture (including livestock and poultry), cottage industries and service are the main economic activities of the district.[2]

The district is served by sixteen different branches of ‘A’ Class Commercial Banks, seven different branches of ‘B’ Class Development Banks. The population served per branch is 8,753 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

Arghakhanchi’s total population comprises of about 32.77% Bhramins, 18.24% Chhetri, 0.12% Tharus, 11.32% Kamis, followed by others, in terms of caste and ethnicity.[4] The district faces multiple issues related to GESI. Women suffer from gender-based violence, domestic violence and gender-based discrimination in education, household chores and nutrition, as well as differential social and cultural norms even though a quarter of all households are headed by women in the district. Similarly, Caste-based discrimination is still common in many communities in Arghakhanchi.

A key aim of Sakchyam in Arghakhanchi is to increase financial access and promote value chain financing that could help to generate local employment opportunities which would ultimately help to minimize gender and caste based discrimination. Supporting the future partner institutions to mainstream GESI principles into their organization structure and product development will also be critical aspect of any future intervention of the program in this area.

Sakchyam’s Ongoing Interventions

  • 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

Banke


District Overview

Banke is one of the five districts within Bheri Zone and lies in Province 5 of Nepal. Nepalgunj is the district headquarter and the regional hub of the Mid-Western Region. Covering an area of 2337 sq. km, the district is divided into 46 VDCs and one Municipality. It has 94,773 households with a total population of 491,313 (Male 244,255 & Female 247,058)[1].

 Economic and Financial Landscape

Agriculture (including livestock/ poultry), riverbed farming, cottage industries, business and trading are the main economic activities of the district.[2]  Among the registered small and cottage industries, majority work in the production sector, followed by the service sector, indicating production and service are the two major areas of employment in Banke.

The district is served by 67 different branches of ‘A’ Class Commercial Banks, 32 different branches of ‘B’ Class Development Banks, and 5 different branches of ‘C’ Class Finance Companies. The population served per branch is 5,462 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

Banke’s total population comprises of about 18.9% Muslim, 15.65% Tharu, 14.76% Chhetris followed by others, in terms of caste and ethnicity[4].  Muslim religious groups, Yadav, Tharu and other Hill and Terai Dalits are the key disadvantaged groups in Banke. Many Muslim girls are not sent to schools that do not respect religious principles. Lack of educational opportunities results in a subsequent lack of employment opportunities, directly affecting their future economic independence. Domestic violence is quite common and is often linked with alcohol consumption. Women are less involved in economic activities than men and are mostly confined to domestic work and farming. They are also deprived of credit facilities.

A key aim of Sakchyam in Banke is to increase financial access and promote value chain financing that could help to generate local employment opportunities, especially for the Muslim and Tharu communities which would ultimately help to minimize gender and caste based discrimination in the area.

Sakchyam’s Ongoing Interventions

Value Chain Financing Innovations

  • Wholesale Loan to Dairy Cooperatives, in the Dairy Value Chain has been launched in partnership with NMB Bank in the district.
  • Prabhu Bank has partnered with ‘Bheri Cold Storage’ to implement ‘Warehouse Receipt financing’ scheme targeting the farmers/traders associated with the cold storage.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through the launch of three BLB Touch Points in partnership with Everest Bank, two BLBs in partnership with NIBL and one with Janata Bank.
  • NUBL and UNYC have also introduced tablet banking in the district by distributing nine and four tablets respectively.
  • Chhimek Bikash Bank has established four Digital Points and have also provided tablets in the district.

Outreach Expansion

  • To increase financial access for rural poor, one branch of RMDC, one branch of UNYC and one branch of VLBS 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 NUBL, RMDC, UNYC and VLBS.
  • NUBL is conducting financial literacy campaigns in the district through Centre Meeting Modules and videos.
  • UNYC is conducting financial literacy campaigns through IVR, PFT, Centre Meeting Modules and FM Radio.
  • VLBS is conducting financial literacy campaigns through PGT and Centre Meeting Modules.
  • Chhimek Bikash Bank is conducting financial literacy campaigns through PGT, Centre Meeting Modules and videos.
  • Nerude is using flip charts, videos and financial literacy buzz in to promote financial literacy to their clients and potential clients.

Product Development

  • Business Loan Product and Ujyalo Loan Product have been designed and implemented in the district in partnership with UNYC. The products are replicated and launched in 36 other branches of UNYC including in Banke.

Other Support

The programme is supporting Machhapuchhre Bank and Sanima Bank to deploy Dedicated ARMs to increase financial services to the rural poor.

[1] National Population Census (2011) [2] National Sample Census of Agriculture (2011-2012) [3] Nepal Rastra Bank (July 2018)[4] National Population Census (2011)

Bajhang


District Overview

Bajhang lies in Seti Zone in Province 7 of Nepal. Chainpur is the district headquarter. The district, with an area of 3,422 sq. km is divided into one municipality and 42 VDCs. Bajhang has 33,786 households with a total population of 195,159 (Male 92,794 & Female 102,365).[1]

With a majority of the male population going to nearby cities of India for employment, female employment rate stands at 29.96% while male employment rate is 24.57% out of total population 10 years and above.  This rate reflects the employed population among the usually active population.

 Economic and Financial Landscape

Agriculture (including livestock and poultry), cottage industries and trading are the main economic activities of the district. Besides, it is estimated that around 18,000 locals every year get involved in the collection and sale of a well-known herb, Yarsagumba.[2] Bajhang is a part of the Great Himalayan Trail (GHT)-one of the highest and longest walking trail in the world. The district is also famous for Khaptad National Park, Surma Sarobar Lake, Mt. Saipal and Tapoban. Bajhang thus has a tremendous tourism potential and 43 tourism focused small and cottage industries are registered in the district.

The district is served by fourteen different branches of ‘A’ Class Commercial Banks, and one branch of ‘B’ class Development Bank. The population served per branch is 14,211 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

Bajhang’s total population comprises of about 66.54 percent Chhetri, 16 percent Dalits, 10.20 percent Brahmin, 7.33 percent Kamis, followed by others, in terms of caste and ethnicity.[4] The district faces multiple issues related to GESI. Women suffer from gender-based violence, domestic violence and gender-based discrimination in education, household chores and nutrition, as well as differential social and cultural norms. Although a quarter of all households are headed by women in the district, women don’t own either house or land in about 96% of the households.[5] Discrimination against women exists in the form of ‘Chhaupadi’.[6] Data shows that 47 percent women stay in a separate house or Chhaupadi shed and 21 percent stay in an animal shed during menstruation.35 Domestic violence is not unusual and is often linked with alcohol consumption. Although most cases are not reported, the Women and Children Office deals with four or five new cases of gender based violence per day. Similarly, child marriage and polygamy are still in practice in some parts of Bajhang. Women are less involved in economic activities than men and are mostly confined to domestic work and farming.

Caste-based discrimination is still common in many communities in Bajhang. Dalits aren’t allowed to share space with the people of other castes and in many cases are not allowed to use public facilities such as wells, taps or other water resources. Most of the Dalits are confined to traditional profession such as blacksmith work, tailoring, goldsmith and copper work as they are considered untouchables. After the abolition of the bonded agricultural labour system, known as ‘Haliya system’, by the Government in 2008, nearly 235 such families have been issued the identity card needed to receive rehabilitation support.[7] There are two settlements of Badis, the ‘most untouchable of untouchables’ as they stand at the lowest rank even in the Dalit intra-caste hierarchy in Bajhang. Most of these Badis are landless, poor and illiterate.

A key aim of Sakchyam in Bajhang is to increase financial access and promote value chain financing that could help to generate local employment opportunities which would ultimately help to minimize gender and caste based discrimination and the Haliya system. Supporting the future partner institutions to mainstream GESI principles into their organisation structure and product development will also be critical aspect of any future intervention of the programme in this area.

Ongoing Sakchyam Interventions

Value Chain Financing Innovations

  • Wholesale Loan to Dairy Cooperatives, in the Dairy Value Chain has been launched in partnership with NMB Bank in the district.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through the launch of one BLB Touch Point each in partnership with Everest Bank and NIBL. Also, through the use of tablets, Sakchyam has been able to cater the needs of the unbanked through the partnership with KMF and NUBL.

Outreach Expansion

  • To increase financial access for rural poor, one branch of NUBL, one branch of NIBL, one branch of RBB and one branch of KMF has been established in the district.

Financial Literacy Initiatives

  • NUBL is conducting financial literacy campaign in the district through IVR messages.
[1] National Population Census 2011 [2] Yarsagumba is a rare and unique herb that grows in the meadows above 3,500 meters (11,483 feet) in the Himalayan region of Nepal. In Bajhang, people from Kanda, Surma, Daulichaur, Bungal, Dhamena, Dahabagar, Dantola, Melbisauni, Sunikot, Pipalkot and Rilu are involved in the picking of Yarsagumba that is found mostly in Kada, Surma, Daulichur VDCs. Around 40 quintal is collected yearly and each quintal costs around NPR 1.5-1.6 million. It’s mainly sold in the markets of Kathmandu and China. [3] Nepal Rastra Bank (July 2018) [4] National Population Census 2011 [5] http://un.org.np/sites/default/files/bajhang_district_profile_1.pdf [6] Chhaupadi is a social tradition existent in the western districts of Nepal where Hindu women are not allowed to practice normal family activities and enter their house and have to stay in a shed during menstruation and childbirth 35 http://un.org.np/sites/default/files/bajhang_district_profile_1.pdf 36Ibid [7] http://un.org.np/sites/default/files/bajhang_district_profile_1.pdf

Bajura


District Overview

Bajura is one of the five districts within Seti Zone and lies in Province 7 of Nepal. Martadi is the district headquarters. The district, with an area of 2,188 sq. km, is divided into 27 VDCs. It has 24,888 households with a total population of 134,912 (Male 65,806 & Female 69,106). Literacy Rate in the district is 56% (women’s literacy rate is 43%).[1]

The only road network that connects the district to the rest of the region is the 62 KM Sanfe-Martadi road, which is frequently blocked during monsoon season due to landslides.

Economic & Financial Landscape

Agriculture (including livestock/poultry), cottage industries and trading are the main economic activities of the district. Wheat, paddy, buckwheat and potatoes are the main agriculture products of the district. Its rich forestry resource, around 43% of the total area is covered by forest, also provides potential for herb collection and processing.

The district is served by seven different branches of ‘A’ Class Commercial Banks and one branch of ‘B’ class development bank. The population served per branch is 18,586 against the national average of 8,960[2]. This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area.

Agriculture is the main income source of majority of households (around 81% of the households). If we analyse the use of credit products in Agriculture, only around 27% had agriculture credit out of which others (33%) followed by relatives (26%) and cooperatives (14%) were the major sources of credit.[3]

GESI Issues

Women suffer from gender based discrimination in education, nutrition, social and cultural norms. Disseminating practices such as Chaupadi (women and girls spend their menstrual days in the nearby shed and not allowed to enter their own home) are still prevalent. Women are less likely to be involved in economic activities outside home and are marginalised in major decision making. Caste based discrimination is still prevalent in district. The district also has a number of vulnerable groups such as former Haliyas (bonded labours).

A key aim of the AFP programme is to improve access to financial services and encourage formal participation in the economic sector for women and deprived segment of the districts. The AFP programme will use the GESI lens throughout the project cycle for addressing these issues.

Sakchyam’s Ongoing Interventions

Delivery Channel Innovations     

  • NIC ASIA Bank has launched one BLB Touch Pointin the district.
  • So far KMF has introduced the use of three tablets in their branches in the district.

Outreach Expansion

  • To increase financial access for rural poor, the programme has supported NIC ASIA Bank to open the first private A-Class Commercial Bank branch in the district. Besides this, Sakchyam is supporting G2P payments through commercial bank branches whereby Sanima Bank has opened one branch under the Local Units Project (LUP) and KMF has opened one branch.
  • Under the LUP, Himalayan Bank will establish three branches and Nepal Bank will establish one branch in the district.
[1] National Population Census (2011)  [2] Nepal Rastra Bank (July 2018) [3] National Sample Census of Agriculture (2011-2012)

Baitadi


District Overview

Baitadi is one of the four districts within Mahakali Zone and lies in Province 7 of Nepal. Gothalapani is the district headquarter. The district, with an area of 1,519 sq. km, is divided into 62 VDCs and one municipality. It has 45,167 households with a total population of 250,989 (Male 117,407 & Female 133,491). Literacy Rate in the district is 62.97% (women’s literacy rate is 49%).

The district is connected with Bajhang, Darchula and Dadeldhura through black topped roads. Attariya Dadeldhura-Baitadi road connects it to the Terai Region.

Economic & Financial Landscape

Agriculture (including livestock/poultry), bee keeping, and cottage industries are the main economic activities of the district. Wheat, Paddy and Maize are the main agriculture commodities produced in the district along with other cash crops such as vegetables and sugarcane. Its rich forestry resource, around 54% of the total area is covered by forest, also provides potential for herb collection and processing.

The district is served by eleven different branches of ‘A’ Class Commercial Banks and one branch of ‘B’ Class Development Bank. The population served per branch is 21,800 against the national average of 8,960[1]. This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area.

Agriculture is the main income source of majority of households and it is the core economic activity. If we analyse the use of credit products in Agriculture, only around 28% had agriculture credit out of which relatives (58%), Farmer’s group (6%) were the major sources of credit.[2] To unleash the full potential of the agriculture sector, there is a need to increase access to credit and other financial products on the district.

Besides agriculture, paddy processing (mainly grinding), furniture, hosiery and knitting are the other economic activities in the district. However, these are carried out in a very small scale.

[1] Nepal Rastra Bank (July 2018) [2] National Sample Census of Agriculture (2011-2012)

Bardiya


District Overview

Bardiya is one of the five districts within Bheri Zone and lies in Province 5 of Nepal. Gulariya is the district headquarter. Covering an area of 2,025 sq km, the district is divided into 31 VDCs and one Municipality. It has 83,176 households with a total population of 426,576 (Male 205,080 & Female 221,496).[1]

 Economic and Financial Landscape

Agriculture (including livestock/poultry), cottage industries and trading are the main economic activities of the district.   84.29% of the households stated agriculture as the major source of income. Among the small and cottage industries, majority belong to the service and production category while there exists none on construction, minerals and energy.

The district is served by twenty three different branches of ‘A’ Class Commercial Bank, and seventeen different branches of ‘B’ Class Development Banks. The population served per branch is 11,563 against the national average of 8,960[2]. This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area.

GESI Issues

Bardiya’s total population comprises of about 53 percent Tharus, 11.45 percent Chhetris, 8.72 percent Brahmins followed by others, in terms of caste and ethnicity.[3] Among them, indigenous ‘Tharu’ community though comprising of the majority, are mostly landless and very poor. Discrimination and violence against women is common in all communities in Bardiya. A key aim of Sakchyam is to improve the access of financial services and facilities of the households of the area, giving special emphasis to rural poor, DAGs and ‘Mukta Kamaiya.’

 Sakchyam’s Ongoing Interventions

Value Chain Financing Innovations

  • Global IME Bank has introduced Warehouse Receipt Financing in the district.
  • Targeting farmers, Sajilo Khetipati Karja/Input Financing product has been launched in the district through a partnership with BOK.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through the launch of seven BLB Touch Points in partnerships with Everest Bank and two BLBs in partnership with Bank of Kathmandu.
  • NUBL has also introduction tablet banking with 10 tablets in the district.

Outreach Expansion

  • To increase financial access for rural poor, two branches of UNYC and one branch of BOK 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 NUBL, RMDC and UNYC.
  • NUBL is conducting financial literacy campaigns in the district through Centre Meeting Modules and videos.
  • UNYC is conducting financial literacy campaigns through IVR, PFT, Centre Meeting Modules and FM Radio.
  • Janautthan has been using flip chart, videos and financial literacy manuals for carrying out different financial Literacy activities.
  • Nerude is using flip chart, videos to promote financial literacy to their clients and potential clients.

Product Development

  • Business Loan Product, Ujyalo Loan Product and Plan Savings Product have been designed and implemented in the district in partnership with UNYC.

Other Support

The programme is supporting Machhapuchhre Bank and Sanima Bank to deploy Dedicated ARMs to increase financial services to the rural poor.

[1] National Population Census (2011) [2] Nepal Rastra Bank (July 2018) [3] National Population Census (2011)

Dadeldhura


District Overview

Dadeldhura is one of the four districts within Mahakali Zone and lies in Province 7 of Nepal. The district, with an area of 1,538 sq.km, is divided into 20 VDCs and 1 Municipality. It has 27,045 households with a total population of 142,094 (Male 66,656 & Female 75,538). Literacy Rate in the district is 53.43% (women’s literacy rate is 33.9%).[1]

The district is well served by road network. Dadeldhura is the gateway to various hilly districts of the region such as Accham, Doti, Baitadi, Bajura, etc. Due to its strategic location, the district has a potential to be a regional hub.

Economic & Financial Landscape

Agriculture (including livestock and poultry), manufacturing industries, service industries such as hotels and lodges, are the main economic activities of the district. All round favourable seasonality and better farming practices have translated into a high potential for High Value Off Season Vegetable (HVOV) farming and other agricultural commodities such as paddy, wheat and maize. Its rich forestry resources, around 78% of the area is covered by forest, also provides potential for herb collection and processing.

The district is served by seventeen different branches of ‘A’ Class Commercial Banks and two different branches of ‘B’ Class Development Banks. The population served per branch is 8,060 against the national average of 8,960[2]. This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area.

Agriculture is the main income source of majority of households (around 91%). If we analyse the use of credit products in Agriculture, only around 33% had agriculture credit out of which farmer’s group was the largest source of Credit (36%), followed by relatives (33%) and FIs (10%)[3].

To unleash the full potential of the agriculture sector, there is a need to increase access to credit and other financial products on the district.

GESI Issues

Women suffer from gender based discrimination in education, nutrition, social and cultural norms. Disseminating practices such as Chaupadi (women and girls spend their menstrual days in the nearby shed and not allowed to enter their own home) are still prevalent. Women are less likely to be involved in economic activities outside home and are marginalised in major decision making. Caste based discrimination is still prevalent in district. The district also has a number of vulnerable groups such as former Haliyas (bonded labours).

A key aim of the AFP programme is to improve access to financial services and encourage formal participation in the economic sector for women and deprived segment of the districts. The AFP programme will use the GESI lens throughout the project cycle for addressing these issues.

Sakchyam’s Ongoing Interventions

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district by establishing BLB Touch Points in partnership with Mega Bank (one BLB), Global IME Bank (three BLBs) and NIBL (one BLB).
  • So far, KMF has introduced the use of seven tablets and Chimmek Laghubitta has introduced nineteen tablets in the district.

Outreach Expansion

  • New branches of FIs have been opened in the district to increase financial access for rural poor via partnerships with Mega Bank (one branch), NEFSCUN (one branch), Global IME Bank (one extension counter), Prabhu Bank (one branch), KMF (one branch), Chhimek Laghubitta Bittiya Sanstha Ltd (one branch).

Financial Literacy Initiatives

  • Chhimek Laghubitta Bittiya Sanstha Ltd is conducting financial literacy campaigns through Pre-Group Training (PGT), Centre Meeting Modules and videos.
[1] National Population Census 2011 [2] Nepal Rastra Bank (July 2018) [3] National Sample Census of Agriculture (2011-2012)

Dailekh


District Overview

Dailekh lies in Bheri Zone in Province 6 of Nepal.  With an area of 1,502 sq. km, the district is divided into two municipalities and 49 VDCs. Dailekh has 48,919 households with a total population of 261,770 (Male 126,990 & Female 134,780).[1]

Economic and Financial Landscape

Agriculture, livestock and cottage industries are the major economic activities of the district. Agriculture is the major source of income for 93.22% of the households.  Among the registered small and cottage industries, majority work in the service sector followed by the production sector.

The district is served by sixteen different branches of ‘A’ Class Commercial Banks. The population served per branch is 17,864 against the national average of 8,960[2]. 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 Dailekh comprises of about 49% Chhetris, 24% Dalits, 14% Brahmins and 12 % Janajatis among other caste and groups.[3] Women in Dailekh continue to face discrimination in terms of caste and gender till date. One of the primary reasons for such discrimination is the patriarchal social structure that gives more preference to men. Other common practices that threaten women’s wellbeing are ‘Chhaupadi’, rape, attempt to rape, economic marginalization, and human trafficking. Child marriage is common in Dailekh. Among those aged 10 and older, 6 percent of men and 17 percent of women first got married before they were 15 years old and 50 percent of men and 65 percent of women first got married between the ages of 15 and 19.[4]

A key aim of Sakchyam Access to Finance programme would be to increase the access of financial facilities and services to the rural poor and DAGs. This would be possible via implementation of value chain financing activities.

 Sakchyam’s Ongoing Interventions

Outreach Expansion

  • To increase financial access for rural poor, three branches of KMF, one branch of VLBS, one branch of Shikhar Insurance and one branch of NIBL have been established in the district.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through introduction of tablet banking via partnership with KMF (twenty one tablets).
  • Chhimek Laghubitta Bittiya Sanstha has established one Digital Point in the district.

Financial Literacy Initiatives

  • VLBS is conducting financial literacy campaigns PGT and Centre Meeting Modules in the district.
 [1] National Population Census (2011) [2] Nepal Rastra Bank (July 2018) [3] http://un.org.np/sites/default/files/dailekh_district_profile.pdf [4] Ibid

Dang


District Overview

Dang is one of the districts within Bheri Zone and lies in Province 5 of Nepal. The district, with an area of 2,955 sq.km, is divided into 39 VDCs and 2 Municipalities. It has 116,347 households with a total population of 553,048 (Male 261,524 & Female 291,524). Literacy Rate in the district is 58% (women’s literacy rate is 47%).[1]

The district is well served by road network. Dang is the gateway to various hilly districts of the region such as Salyan, Rukum, Rolpa etc. Due to its strategic location, the district can be considered as sub-regional hub.

Economic & Financial Landscape

Agriculture (including livestock and poultry), manufacturing (including cement production), food processing industries and trading are the main economic activities of the district. Paddy, wheat, lentil, oilseeds, vegetables and potatoes are the main agricultural products of the district. The district also has many food processing industries. Its rich forestry resources, around 65% of the area is covered by forest, also provides potential for herb collection and processing.

The district is served by 58 different branches of ‘A’ Class Commercial Banks, 40 different branches of ‘B’ Class Development Banks, and four different branches of ‘C’ Class Finance Companies. The population served per branch is 6,047 against the national average of 8,960[2]. This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area.

Agriculture is the main income source of majority of households (around 79%). If we analyse the use of credit products in Agriculture, only around 15% had agriculture credit out of which major sources of credit were relatives (27%), followed by FIs (21%) and women’s groups (16%)[3].

Despite the presence of large number of FIs in the district, informal sector still are the dominant suppliers of the credit. This may be one of the limiting factors for the large scale commercialisation of agriculture sector. AFP Programme will work closely with FIs to increase the range of suitable financial products as well as to streamline process which will facilitate use of agriculture credit.

GESI Issues

Women suffer from gender based discrimination in education, nutrition, social and cultural norms. Women are less likely to be involved in economic activities outside home and are marginalised in major decision making. Caste based discrimination is still prevalent in district. The district also has a number of vulnerable groups such as Tharu and Badi.

A key aim of the AFP programme is to improve access to financial services and encourage formal participation in the economic sector for women and deprived segment of the districts. The AFP programme will use the GESI lens throughout the project cycle for addressing these issues.

Sakchyam’s Ongoing Interventions

Value Chain Financing Innovations

  • Wholesale Loan to Dairy Cooperatives, in the Dairy Value Chain has been launched in partnership with NMB Bank.
  • Laxmi Bank have also introduced Sakchyam Udhyami Karja, Micro Mortgage, E-Rickshaw, and Livestock Loan in the district.
  • MBL ran a pilot targeting four cooperatives under Heifer International to provide loans directly to women run enterprises involved in ‘Goat’& ‘Dairy’ VC. MBL is now scaling up this activity with Sakchyam’s support.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district by establishing BLB Touch Points in partnership with Mega Bank (four BLBs), Bank of Kathmandu (one BLB), Janata Bank (eight BLBs) and Everest Bank (three BLBs).
  • So far, NUBL has introduced the use of tablets in their branches in the district.
  • Chhimek has introduced 40 tablets in the district. Similarly, Nirdhan Uthhan has introduced 10 tablets.

Outreach Expansion

  • New branches of FIs have opened to increase financial access for rural poor via partnerships with Bank of Kathmandu (one branch), NWCSC (three branches), Vijaya Laghubitta Bittiya Sanstha (VLBS) (two branches), NEFSCUN(one branch), and NIC Asia (one branch).

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 NUBL, VLBS and RMDC.
  • NUBL is conducting tablet-based financial literacy campaigns in the district.
  • RMDC is conducting financial literacy campaigns through various activities such as school level interactions, message dissemination through mass media, through PGT and Centre Meeting Modules.
  • VLBS and NWCSC are conducting financial literacy campaigns through PGT, IVR, Centre Meeting Modules, and Mass Media.
  • Chhimek is conducting financial literacy campaigns through PGT, Centre Meeting Modules and videos.
  • Janautthan has been using flip chart, videos and financial literacy manuals for carrying out different financial Literacy activities.

Product Development

  • Migration Loan Product has been designed and implemented in the district in partnership with NWCSC. This product has now been replicated and launched in 22 other branches of NWCSC.
  • Janautthan has piloted ‘Energy Loan’ at Lalmatiya and now launched in other branches in Dang

Other Support

The programme is supporting Laxmi Bank, Machhapuchhre Bank and Sanima Bank to deploy Dedicated Assistant Relationship Managers (ARMs) to increase financial services to the rural poor.

[1] National Population Census (2011) [2] Nepal Rastra Bank (July 2018) [3] National Sample Census of Agriculture (2011-2012)

Darchula


District Overview

Darchula lies in Mahakali Zone, in Province 7 of Nepal. Khalanga is the district headquarter. The district, with an area of 2,322 sq. km is divided into 36 VDCs and one municipality. Darchula has 24,618 households with a total population of 133,274 (Male 63,605 & Female 69,669). Literacy Rate in the district is 65.4 percent[1].

Economic and Financial Landscape

Agriculture, including vegetable farming; livestock; poultry and cottage industries are the main economic activities of the district. Among the registered small and cottage industries, majority belong to the productive and service sector.

The district is served by nine different branches of ‘A’ Class Commercial Banks, and two different branches of ‘B’ class Development Banks. The population served per branch is 12,811 against the national average of 8,960[2]. 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 Darchula consists of 63.55% Chhetris, 16.71% Brahmin, 5.27% Kami, 4.85% Thakuri followed by others, based on caste or ethnicity.[3] Deep rooted poverty and some caste based discrimination are the major problems of the district. Seasonal male migration to India has created additional responsibilities for women and has increased their workload. A key focus of Sakchyam is to increase the access to financial services and facilities for the rural poor of the district, particularly for women and other disadvantaged groups (DAGs).

Sakchyam’s Ongoing Interventions

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through the launch of BLB Touch Points in partnerships with Nepal Investment Bank (five BLBs) and Janata Bank (eleven BLBs) in the district.
  • KMF and NUBL have distributed three and four tablets each in the district.

Outreach Expansion

  • New branches of FIs have been opened to increase financial access for rural poor via partnerships with Mega Bank (one branch), NUBL (one branch), MBL (two branches), Laxmi Bank (one branch), NIBL (one branch) and KMF (one branch).

Financial Literacy Initiatives

  • NUBL is conducting financial literacy campaigns through IVR.
[1]National Population Census (2011)  [2] Nepal Rastra Bank (July 2018) [3] National Population Census (2011)

Dhading


District Overview

Dhading is a district that lies in the Bagmati Zone of Province 3 Nepal with Dhading Bensi as its headquarters. It is further divided into 50 VDCs and three Constituencies. The district having 73,851households, has a total population of 336,067 (Male 157,834 and Female 177,233) and a population density of 174.49 km2[1].

The district has poor development infrastructures like roads, electricity, and others.  It is commonly observed that large percentage of the youth populations are unemployed and are going for foreign employment nowadays due to the lack of proper infrastructure.[2]

Economic and Financial Landscape

Among the households, those engaged in agricultural activities in this district covers 41.4% of the total households[3].  The district is provoked to have a huge potential market for vegetable farming as it is situated at the mid-way of Kathmandu, Pokhara and Nawalparasi . The district also collects export tax and resource utilization tax from stone mines and sand mines. Remaining occupations of the households are business, service, wage labour and others.

The district is served by 34 different branches of ‘A’ Class Commercial Banks, 17 different branches of ‘B’ Class Development Banks. The population served per branch is 6,838 against the national average of 8,960[4].

GESI Issues

This district has the highest population of the Tamang (22.09%) followed by Brahmin (14.98%) and Chhetri in the third position (14.72%). The population of Dhading further consists of Magar (8.52%), Kami (4.18%), Gurung (5.54%), Sherpa (0.02%), followed by others, in terms of caste/ethnicity[5]. The traditional orthodox society and structural discrimination against women contribute to reduce their social and economic status in Dhading district. The district also experiences some instances of Caste based discrimination. A key focus of Sakchyam is to increase the access to financial services and facilities for the rural poor of the district, particularly for women and other DAGs. Sakchyam Access to Finance programme may also focus on value chain financing to the poor people from the rural part of the district and earthquake affected people. And also Sakchyam may provide support on value chain financing for commercial animal husbandry.

Sakchyam’s Ongoing interventions

Value Chain Financing Innovations

  • Sanima Bank has launched Agricultural Loan Product in the district

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through introduction of BLB Touch Points by Sanima Bank (twelve BLBs) and Rastriya Banijya Bank (four BLBs)).

Other Support

  • The programme is providing Dedicated ARM support to Machhapuchhre Bank and Sanima Bank in the district.
  • Laxmi Bank has introduced Sakchyam Udhyami Karja, Micro Mortgage, E-Rickshaw, Tractor,  and Livestock Loan
[1] National Population Census (2011) [2] Shanti Nepal; December 2013; http://www.shantinepal.org.np/content/?content_id=62 [3] District and VDC profile of Nepal-2014/15; BookArt Nepal; May 2014 [4] Nepal Rastra Bank (July 2018) [5] National Population Census (2011)

Dolpa


District Overview

Dolpa lies in Karnali Zone in Province 6 of Nepal. Dunai is the district headquarter. The district, with an area of 7,889 sq. km, is the largest district of Nepal in terms of size. It is divided into 23 VDCs and has no municipalities. Dolpa has 7,488 households with a total population of 36,700 (Male 18,238 & Female 18,462).[1] Although Dolpa covers a large area, due to less population residing in the area, the population density is just 4.65/sq.km. Dolpa is inaccessible by road network; Dunai can only be reached by foot or air transportation. Dunai is connected via flights from Nepalgunj and Surkhet.

Economic and Financial Landscape

Agriculture, livestock, cottage industries are the main economic activities of the district. Agriculture forms the major source of income in about 97.25% of the households. Among the small and cottage industries registered, majority work in the service sector, followed by the agriculture and wildlife.

The district is served by five different branches of ‘A’ Class Commercial Banks. The population served per branch is 8,095 against the national average of 8,960[2]. 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 Dolpa is primarily comprised of Chhetris (43.8%), Gurung (22.62%) followed by Magars (13.15%).[3]  About 5.05 percent of the population belongs to the ancient ‘Bonpo’ religion. Caste-based discrimination is still prevalent in most of the communities in Dolpa. Although the situation in the district headquarters has been improving, Dalits aren’t yet allowed to share space with the people of other castes and face difficulty in using common wells, taps or other water resources freely.

A key focus of Sakchyam Access to Finance programme would be to focus on value chain financing of commercial animal husbandry that would help to improve the access to financial services and facilities in the area.

Sakchyam’s Ongoing Activities

Outreach Expansion

  • To reach the rural poor, one branch of Shikhar Insurance Company, two branches of Nepal Bank, three branches of Rastriya Banijya Bank and one branch of Prabhu Bank were established in the district.

Product Development

  • WII and Livestock Insurance have been launched by Shikhar Insurance Company in the district
[1] National Population Census (2011) [2] Nepal Rastra Bank (July 2018) [3] National Population Census 2001 (Ethnic classification is not provided in 2011)

Doti


District Overview

Doti lies in Seti Zone in Province 7 of Nepal. Dipayal is the district headquarter. The district, with an area of 2,025 sq. km is divided into 50 VDCs and one municipality. Doti has 41,440 households with a total population of 211,746 (Male 97,252 & Female 114,494).[1]

Economic and Financial Landscape

Agriculture (including livestock and poultry) and cottage industries are the main economic activities of the district. Agriculture is the main source of income in about 92.51% of the households.[2]

The district is served by fourteen different branches of ‘A’ Class Commercial Banks and two different branches of ‘B’ Class Development Banks. The population served per branch is 13,349 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 Doti comprises of about 57.67 percent Chhetri, 12.10 percent Kami, 8.04 percent Brahmin, 4.55 percent Damai followed by others, in terms of caste/ethnicity.[4] Nepali is the most widely spoken language while languages like Magar and Tamang are also practised. Gender based discrimination is highly prevalent in Doti. Women suffer from gender-based violence and domestic violence, gender-based discrimination in education, household chores, nutrition as well as various social and cultural norms.[5] Women do not own either land or house in about 97% of the households; they are less involved in economic activities than men and mostly confined to domestic work and farming.[6] Discrimination to women also occurs in the form of ‘Chhaupadi’. In addition, domestic violence linked with excess alcohol consumption also exists in Doti.

A major focus of Sakchyam in Doti is to help the financial institutions mainstream GESI principles. It will also attempt to increase access to financial services and products to women and other disadvantaged groups via innovative value chain financing tools in a manner that could improve their livelihoods and self-dependence.

Sakchyam’s Ongoing Interventions

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district by establishing BLB Touch Points in partnership with NIBL (one BLB point) and Everest Bank (five BLB points).
  • So far, KMF has introduced the use of tablets in the district.

Outreach Expansion

  • To increase financial access for rural poor, one branch each of NIBL, Nabil, Shikhar Insurance, and KMF have been established in the district.
[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] http://un.org.np/sites/default/files/doti_district_profile.pdf [6] Ibid

Humla


District Overview

Humla lies in Karnali Zone in Province 6 of Nepal. Simikot is the district headquarter. The district, with an area of 5,655 sq. km is divided into 27 VDCs. Humla has 9,479 households with a total population of 50,858 (Male 25,833 & Female 25,025).[1]

The topography of the district consists of high mountains and as such road access is very limited. Simikot is not linked to the national road network and is connected to the neighbouring districts by foot trails and air transportation.

Economic and Financial Landscape

Agriculture (including livestock) and cottage industries are the main economic activities of the district. Agriculture is the major source of income for about 95.55% of the households.[2] However, malnutrition rate in Humla is exceptionally high. Among the small and cottage industries registered, majority work in the agriculture and wildlife and service sector.

The district is served by five different branches of ‘A’ Class Commercial Banks. The population served per branch is 11,234 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

Humla’s total population comprises of about 38.7% Chhetri, 19.64% Thakuris, 13.45% Tamang, 9.71 % Kamis followed by others, in terms of caste and ethnicity.[4] Although discriminatory practices have been reduced in Humla after the decade-long insurgency, the change has not been significant. Women and Dalits are visible in school management and other district level committees, however, their representation is more symbolic than influential. Female literacy rate stands at just 4.8%[5], which clearly indicates that women lack the access to education facilities. As of 2013, 1,423 freed Haliya families have been registered in the district, of which 162 have been issued identity cards needed to receive rehabilitation support.[6]

A major focus of Sakchyam is to help the financial institutions mainstream GESI principles. The programme will also attempt to increase access to financial services and products to women and other disadvantaged groups via innovative value chain financing tools in a manner that could improve their livelihoods and self-dependence.

Ongoing Sakchyam Interventions

Outreach Expansion

  • To increase financial access for rural poor, one branch of NUBL and one branch of Citizens Bank have been established in the district.
  • NUBL has extended financial services through the use of four tablets in the district.
  • Janata Bank and Prabhu Bank will establish three and one branches, respectively, under the Local Units Project in the district.

Financial Literacy Initiatives

Through Sakchyam’s technical support, NUBL has conducted school level financial literacy campaigns. NUBL has also used IVR messages to disseminate messages in the district.

[1] National Population Census 2011 [2] National Sample Census of Agriculture 2011-2012 [3] Nepal Rastra Bank (July 2018) [4] National Population Census 2001 [5] Central Bureau of Statistics (cbs.gov.np) [6] http://un.org.np/sites/default/files/humla_district_profile.pdf

Ilam


District Overview

Ilam lies in the hill district of Mechi Zone in Province 1 of Nepal. The total area of the district is 1703 sq.km. comprising of 48 VDCs, one municipality and 3 electoral constituencies. Ilam has a total population of 290,254 (Male 141126 and Female 149,128) with a population density of 170 per sq. km. The total number of households is 64502, with an average household size of 4.50[1].

Ilam is today one of the developed hilly districts in Nepal. Ilam tea is very famous and is exported to many parts of Europe. The main source of income in this district are tea, cardamom, milk, ginger, potato, Orlon, and broom grass (Amriso) produced on a large scale. Thus, a large part of the population is involved in Agriculture.

Economic and Financial Landscape

Among the households, those engaged in agricultural activities in this district covers 79.3% of the total households. Remaining occupations of the households are business, service, wage labour and others. The income source of nearly 82% of the households is agriculture[2]. The second position of income is that of wage labour followed by foreign remittance and business. Only for 3.67% of the households’ income source is service. Among the small and cottage industries, majority belong to the agriculture and service sector.

The district is served by 26 different branches of ‘A’ Class Commercial Banks, 9 different branches of ‘B’ Class Development Banks, 2 branches of ‘C’ Class Finance Companies. The population served per branch is 8,245 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

This district has the highest population of the Rai (23.76%) followed by Limbu (15.72%). Brahmin in the third position (13.91%) is followed by Chhetri (13.69%), Tamang (6.95%), Magar (5.19%), Kami, Gurung, Sherpa, Damai, Sunuwar, Lepcha fall under others, in terms of caste/ethnicity. Among total population, 5.53% are Dalits and 65.17% are indigenous nationalities in Ilam district[4]. Lepcha is categorized an endangered indigenous nationality of Nepal. Lepcha covers 0.97 percent of total population of the district. The traditional patriarchal structure of the society and structural discrimination against women contribute to reduce their social and economic status in Ilam district.

A key focus of Sakchyam is to increase the access to financial services and facilities for the rural poor of the district, particularly for women and other DAGs. Sakchyam may also set as a priority for this district creating linkages between financial institutions and other non-financial institutions (such solar power equipment outlet, agribusinesses, warehouses/collection centres, etc.) to provide access to finance for potential renewable/rural energy sources and associated technologies based on climatic, geographical & socio-economic variations and address them as to support GESI beneficiaries.

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 and Sahara SACCOS.

Other Products

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

Outreach Expansion

  • To increase financial access for rural poor, one branch of Sahara SACCOS and two branches of NMB MF 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 RMDC, NUBL, NMB MF and Sahara SACCOS.
  • Sahara SACCOS is conducting financial literacy campaigns through IVR, PGT, Centre Meeting Modules, FM Radio and videos.
  • NUBL and NMB MF 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.

Product Development

  • Commercial Agricultural Loan Product has been designed and implemented in partnership with Sahar SACCOS in the district.

Other Support

  • The programme is providing Dedicated Assistant Relationship Manager (ARM) support to Machhapuchhre Bank in the district.
[1] National Population Census (2011) [2] National Sample Census of Agriculture (2011-2012) [3] Nepal Rastra Bank (July 2018) [4] National Population Census (2011)

Jajarkot


District Overview

Jajarkot lies in Bheri Zone of Province 6 of Nepal. The district headquarter is located in Bherimalika Municipality. The district, with an area of 2230 sq. km is divided into 26 VDCs and one municipality. Jajarkot has 30,472 households with a total population of 171,304 (Male 85,537 & Female 85,767).[1]

Jajarkot is connected to the other districts only by road network. However, due to poor road conditions, there are blockages seen, especially during monsoon.

Economic and Financial Landscape

Agriculture, livestock and cottage industries are the main economic activities of the district. Agriculture is the major source of income for about 96.85% of the households[2], however the district frequently suffers from food deficit. Among the small and cottage industries registered, majority work in the service sector followed by construction and production.

The district is served by five different branches of ‘A’ Class Commercial Banks, and one branch of ‘B’ Class Development Bank. The population served per branch is 31,580 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 Jajarkot comprises mostly of Chhetris (55%), Dalits (27%), Brahmins and Janajatis.[4] Gender and caste based discrimination have decreased than in the past, however not entirely eliminated. Domestic violence is highly prevalent in the district and one of the major factors behind it has been intake of alcohol.[5] Child marriage is another huge issue. Among those aged 10 and older, 3% of men and 12% of women first married before they were 15, and 48% of men and 67% of women first married between the ages 15 and 19.[6] Households are also affected by bonded labour, which is not limited only to a particular community.

A key aim of the Sakchyam Access to Finance Programme is to increase the access to financial services and facilities by implementing value chain financing activities that would help to improve the economic status of rural poor, especially women and DAGs.

Sakchyam’s Ongoing Interventions

Outreach Expansion

  • To increase financial access for rural poor, two branches of KMF, three branches of Agricultural Development bank, one branch of NIC Asia and one branch of VLBS have been established in the district.
  • Also, KMF has introduced four tablets in the district to increase outreach.

Financial Literacy Initiatives

  • VLBS and Mahila Sahayatra are conducting financial literacy campaigns through IVR, PGT and Centre Meeting Modules in the district.
[1] National Population Census 2011 [2] National Sample Census of Agriculture 2011-12 [3] Nepal Rastra Bank (July 2018) [4] http://un.org.np/sites/default/files/jajarkot_district_profile.pdf [5] http://un.org.np/sites/default/files/jajarkot_district_profile.pdf [6] Ibid

Jhapa


District Overview

Jhapa falls in the Terai region of Province 1 of Nepal. Chandragadi is the district headquarters. The total area of the district is 1,606 sq. kms, which is further divided into 37 VDCs and eight municipalities. Jhapa has 184,552 households with a total population of 812,650 (Male 385,096and Female 427,554)[1]. The average household size is 4.18 whereas, the population density is 506.01 sq. km. The literacy rate in the district is 77.7%, which is the highest literacy rate in the country after Kathmandu, Kaski and Chitwan districts.

Economic and Financial Landscape

Agriculture and industries are the major source of economic activities performed by the households residing in the district. Having said that, only 28.6% of the households are engaged in agriculture[2]. The main reason behind this is the growing popularity of migration and overseas employment. Major agriculture productions of this district are cereal crops (paddy, wheat and maize), cash crops, high value crops and jute farming as seasonal and non-seasonal as well as horticulture.

The district is served by 100 different branches of ‘A’ Class Commercial Banks, 40 different branches of ‘B’ Class Development Banks, and 8 different branches of ‘C’ Class Finance Companies. The population served per branch is 6,004 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 district covers 1,606 km2 (620 sq mi). The 2011 census counted 812,650 populations. The average literacy rate is about 67.14% on which 58.8% female and 75.62% male are literate. This district has multi ethnic composition; majorities are Brahamin, Chetri, Rajbanshi, Limbu, Rai, Tamang, Kami, Damai etc. Common communicating language is Nepali (57.70%) followed by Rajbansi (13.40%), Limbu (5.49%), Santhali (3.59%) and Maithali (3.46%). Poverty and some caste based discriminations are the major problems of the district. Seasonal migration to overseas countries have created additional responsibilities for women and has increased their workload.

A key focus of Sakchyam is to increase the access to financial services and facilities for the rural poor of the district, particularly for women and other DAGs. Sakchyam Access to Finance programme will also focus on climate and GESI related concerns such as making available access to credit to support acquiring solar home systems, micro-hydro, biogas, improved cooking stoves, waste management technologies, climate resilient pre-fabricated houses, and financing to promote micro-enterprises, commercialise agriculture/livestock and agriculture value chains to support the poor’s higher productivity and income level etc.

Sakchyam’s Ongoing Interventions

Value Chain Financing Innovations

  • Targeting farmers, Tractor Loan Product has been launched in the district through a partnership with Laxmi Bank. They have also introduced Sakchyam Udhyami Karja, Micro Mortgage, E-Rickshaw and Livestock Loan in the district.
  • Sahara Cooperative has launched goat and chicken value chain financing in the district.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through introduction of Tablet/Mobile Banking under partnership with NUBL, Nerude Laghubitta and Sahara SACCOS.

Outreach Expansion

  • To increase financial access for rural poor, one branch of Sahara SACCOS 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 RMDC, NUBL and Sahara SACCOS.
  • Sahara SACCOS is 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.
  • Nerude is using flip chart, videos to promote financial literacy to their clients and potential clients.

Product Development

  • Commercial Agricultural Loan Product and Renewable Energy Loan Product have been designed and implemented in partnership with Sahara SACCOS in the district.

Other Support

  • The programme is supporting Laxmi Bank, Machhapuchhre Bank and Sanima Bank to deploy Dedicated ARMs to increase financial services to the rural poor.
[1] National Population Census (2011) [2] National Sample Census of Agriculture (2011-2012) [3] Nepal Rastra Bank (July 2018)

Jumla


District Overview

Jumla lies in Karnali Zone in Province 6 of Nepal. Jumla is the district headquarter. The district, with an area of 2,531 sq. km is divided into 30 VDCs. Jumla has 19,303 households with a total population of 108,921 (Male 54,898 & Female 54,023).[1] Motorable road access is available only to the district headquarter.

Economic and Financial Landscape

Agriculture (including livestock and poultry), cottage industries and trading are the main economic activities of the district. Agriculture forms the major source of income for about 94.56 percent of households.[2] Among the small and cottage industries registered, majority work in the service and agriculture and wildlife sector.

The district is served by eighteen different branches of ‘A’ Class Commercial Banks, and two branches of ‘B’ Class Development Banks. The population served per branch is 5,990 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 Jumla comprises of about 60.24 percent Chhetris, 10.95 percent Brahmin, 7.4 percent Thakuri, followed by smaller shares of other groups, in terms of caste/ethnicity.[4] Bonded labour, referred as Lagi, Haliya or Badikae, is still practised in Jumla. Chhaupadi is practised in Sinja valley and surrounding areas. Women literacy rate stands at 41 percent while the overall literacy rate is 55 percent[5], indicating women are still behind in educational opportunities. 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

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through the distribution of tablets in partnerships with KMF and NUBL.

Outreach Expansion

  • To increase financial access for rural poor, two branches of KMF, one branch of Shikhar Insurance and one branch of NIBL has been established in the district.

Financial Literacy Initiatives 

  • NUBL is conducting financial literacy campaign in the district through Centre Meeting Modules and financial literacy videos.
  • Shikhar Insurance has been conducting door-to-door campaign to increase awareness on weather index insurance.

Product Development

  • Launch of WII and Livestock Insurance in partnership with Shikhar Insurance Company.
[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] Central Bureau of Statistics (cbs.gov.np)

Kailali


District Overview

Kailali is one of the five districts within Seti Zone and lies in Province 7 of Nepal. Dhangadi is the district headquarters. The district, with an area of 3,235 sq.km, is divided into 43 VDCs and 2 Municipalities. It has 142,413 households with a total population of 775,709 (Male 378,417 & Female 397,292). Literacy Rate in the district is 66% (women’s literacy rate is 57%).[1]

The district is well served by road network. Kailali is the gateway to various hilly districts of the region such as Dadeldhura, Baitadi, Accham, etc. Due to its strategic location, the district can be considered as regional hub.

Economic & Financial Landscape

Agriculture (including livestock and poultry), food processing industries, service industries such as transportation, hotels and trading are the main economic activities of the district. Paddy, wheat, vegetables, fruits and potatoes are the main agricultural products of the district. As Kailali district and the surrounding areas are considered rice basket of the region, the district has many large and well known food processing industries in the area. Its rich forestry resources, around 64% of the area is covered by forest, also provides potential for herb collection and processing.

The district is served by 81 different branches of ‘A’ Class Commercial Banks, 24 different branches of ‘B’ Class Development Banks and 2 different branches of ‘C’ Class Finance Companies. The population served per branch is 8,326 against the national average of 8,960[2]. This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area.

Agriculture is one of the top activities as stated by households. If we analyse the use of credit products in Agriculture, only around 22% had agriculture credit out of which major sources of credit were relatives (33%), followed by women’s group (23%) and farmer’s groups (4%).[3] Despite the presence of large number of FIs in the district, informal sector still are the dominant suppliers of the credit. This may be one of the limiting factors for the large scale commercialisation of agriculture sector. AFP Programme will work closely with FIs to increase the range of suitable financial products as well as to streamline process which will facilitate use of agriculture credit.

GESI Issues

Women suffer from gender based discrimination in education, nutrition, social and cultural norms. Women are less likely to be involved in economic activities outside the home and are marginalised in major decision making. Caste based discrimination is still prevalent in district. The district also has a number of vulnerable groups such as Tharu, Raji and Badi.

A key aim of the AFP programme is to improve access to financial services and encourage formal participation in the economic sector for women and deprived segment of the districts. The AFP programme will use the GESI lens throughout the project cycle for addressing these issues.

Sakchyam’s Ongoing Interventions

Value Chain Financing Innovations

  • A new loan product – Sajilo Khetipati Karja/Input Financing – targeting farmers has been launched in partnership with Bank of Kathmandu (BOK).
  • Laxmi Bank has also launched Tractor Loan targeting farmers in Kailali. They have also introduced Sakchyam Udhyami Karja, Micro Mortgage, E-Rickshaw and Livestock Loan.
  • Kanchan Development Bank launched Warehouse Receipt Financing targeting farmers in the district.
  • Wholesale Loan to Dairy Cooperatives, in the Dairy Value Chain has also been launched in partnership with NMB Bank.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through the launch of BLB Touch Points in partnerships with Janata Bank (ten BLBs), Global IME Bank (two BLBs), Mega Bank (three BLBs), Bank of Kathmandu (one BLB) and Everest Bank (two BLBs) in the district.
  • So far, UNYC, Janautthan Laghubitta Bittiya Sanstha, NUBL, KMF and Kisan Cooperative have introduced the use of tablets in the district.
  • Chhimek has distributed fifty one tablets in the district.

Outreach Expansion

  • New branches of FIs have opened to increase financial access for rural poor via partnerships with BOK (one branch), Citizens Bank (one branch), United Youth Community Nepal (UNYC) (ten branches), KMF (five branches), Kisan Cooperative (six branches) and Chhimek Bikash Bank (one branch).

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 NUBL, Kisan Cooperative, KMF, UNYC, Chhimek and RMDC.
  • NUBL is conducting tablet-based financial literacy campaigns in the district
  • UNYC and Kisan Cooperative are conducting financial literacy campaigns through PGT, IVR, Centre Meeting Modules, and FM Radio.
  • KMF has provided Financial Literacy Training to 402 school students in Kailali using videos.
  • Chhimek Laghubitta Bittiya Sanstha Ltd is conducting financial literacy campaigns through PGT, Centre Meeting Modules and videos.
  • Janautthan has been using flip chart, videos and financial literacy manuals for carrying out different financial Literacy activities.

Product Development

  • Business Loan Product and Ujyalo Loan Product have been designed and implemented in the district in partnership with UNYC. The Business Loan Product has now been replicated and launched in 29 other branches of UNYC and the Ujyalo Loan Product has now been scaled up and launched in ten other branches of UNYC. Similarly, UNYC has designed and launched ‘Plan Savings’ in Kailali.
  • Kisan Sakchyam Business Loan has also been designed and implemented in the district in partnership with Kisan Cooperative. This product has been replicated in eleven other branches of Kisan Cooperative.

Other Support

  • The programme is supporting Laxmi Bank, Machhapuchhre Bank and Sanima Bank to deploy Dedicated Assistant Relationship Managers (ARMs) to increase financial services to the rural poor.
[1] National Population Census (2011) [2] Nepal Rastra Bank (July 2018) [3] National Sample Census of Agriculture 2011-2012

Kanchanpur


District Overview

Kanchanpur lies in Mahakali Zone in Province 7 of Nepal. Mahendranagar is the district headquarter. The district, with an area of 1,610 sq. km is divided into nineteen VDCs and one municipality. Kanchanpur has 82,152 households with a total population of 451,258 (Male 216,042 & Female 235,206)[1].

 Economic and Financial Landscape

Agriculture (including livestock and poultry), cottage industries and trading are the main economic activities of the district. 75.65% of the households stated that agriculture forms their major source of income.[2] Among the registered small and cottage industries, majority work in the service sector followed by the productive sector.

The district is served by 35 different branches of ‘A’ Class Commercial Banks and 16 different branches of ‘B’ Class Development Banks. The population served per branch is 9,872 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 Kanchanpur consists of 28.93 percent Chhetris, 25.68 percent Tharus, 15.96 percent Brahmins, 7.72 percent Kamis followed by others, in terms of caste/ethnicity.[4] Rana Tharu, a sub group of Tharu, has different language, dress and religious practices and belong to the Far Western Region of Nepal. Kanchanpur is not free from women discrimination; women are less involved in economic activities and have less access to financial services. A key focus of Sakchyam is to increase the access to financial services and facilities that would ultimately help reduce the discriminatory practices towards women and DAGs.

Sakchyam’s Ongoing Interventions

Value Chain Financing Innovations

  • Sugarcane Invoice Discounting – targeting sugarcane farmers has been launched in partnership with Bank of Kathmandu (BOK) in the district.
  • Laxmi Bank has launched Tractor Loan targeting farmers in Kanchanpur. They have also introduced Sakchyam Udhyami Karja, Micro Mortgage, E-Rickshaw and Livestock Loan in the district.
  • Kanchan Development Bank has launched Warehouse Receipt Financing targeting farmers in the district.
  • Wholesale Loan to Dairy Cooperatives, in the Dairy Value Chain has been launched in partnership with NMB Bank in the district.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through the launch of four BLBs through Janata Bank, four BLB Touch Points in partnerships with Everest Bank and two with Bank of Kathmandu in the district.
  • So far, UNYC and NUBL have introduced the use of tablets in the district.

Outreach Expansion

  • To increase financial access for rural poor, one bank branch has been established via partnership with BOK, one branch with Shikhar Insurance 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 NUBL, UNYC, and RMDC.
  • NUBL is conducting financial literacy campaigns in the district through Centre Meeting Modules videos.
  • RMDC is conducting financial literacy campaigns through various activities such as school level interactions, message dissemination through mass media, Centre Meeting Modules and PGT.
  • UNYC is conducting financial literacy campaigns through PGT, IVR, Centre Meeting Modules, and FM Radio.
  • Janautthan has been using flip chart, videos and financial literacy manuals for carrying out different financial Literacy activities.

Product Development

  • Business Loan and Ujyalo Loan Products have been designed and implemented in the district in partnership with UNYC. This product has now been scaled up and launched in 36 other branches of UNYC. Similarly, UNYC’s Plan Savings is introduced also in Kanchanpur.

Other Support

  • The programme is supporting Machhapuchhre Bank and Sanima Bank to deploy Dedicated ARMs to increase financial services to the rural poor.
[1] National Population Census (2011) [2] National Sample Census of Agriculture (2011-2012) [3] Nepal Rastra Bank (July 2018 [4] National Population Census 2011

Kapilbastu


District Overview

Kapilbastu lies in Lumbini Zone in Province 5 of Nepal. Taulihawa is the district headquarter. The district, with an area of 1738 sq. km is divided into 77 VDCs and 1 municipality. Kapilbastu has 91,321 households with a total population of 571,936.[1]

Economic and Financial Landscape

Agriculture (including livestock and poultry) cottage industries and trading are the main economic activities of the district. 88.46% of the population reported agriculture as the major source of income.[2]

The district is served by 39 different branches of ‘A’ Class Commercial Banks, 17 different branches of ‘B’ Class Development Banks, 4 different branches of ‘C’ Class Finance Companies. The population served per branch is 10,610 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 Kapilbastu consists of about 18.16% Muslim, 12.26% Tharu, 10.14% Yadav, 8.54% Brahmin, followed by many others, in terms of caste/ethnicity.[4] Women in the district continue to face unequal power relations, particularly in Madhesi and Muslim communities. Nearly three quarters of the girls get married in their adolescence.[5] Caste based discrimination still exists in the district which is evident from the reality that Dalits are still not allowed to share public spaces with the non-Dalits. Women have received limited access to the products/services offered by banks and financial institutions in Kapilbastu. Sakchyam’s key aim in Kapilbastu 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

  • IME Digital has launched the first Mobile Financial Services project in the district
  • Laxmi Bank has introduced Sakchyam Udhyami Karja, Micro Mortgage, E-Rickshaw, Tractor, and Livestock Loan.
  • 3 BLBs commissioned by Everest Bank, Renewable Energy loan product launched by Janautthan and EDS launched by Nerude.

 Financial Literacy Initiatives

  • Nerude is using flip chart, videos to promote financial literacy to their clients and potential clients.
[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] http://un.org.np/sites/default/files/kapilvastu_district_profile.pdf

Manang


District Overview

Manang lies in Gandaki Zone in Province 4 of Nepal. Chame is the district headquarter. The district, with an area of 2,246 sq. km, is divided into 13 VDCs. Manang has 1,480 households with a total population of 6,538 (Male 3,661 & Female 2,877).[1]

 Economic and Financial Landscape

Agriculture, livestock, cottage industries, tourism and service industries are the main economic activities of the district. Agriculture is the major source of income in about 65.76% of the households. Most of the small and cottage industries work in the tourism sector. Flourishing tourism industry is one of the reasons for falling poverty level in Manang.

The district is served by four different branches of ‘A’ Class Commercial Banks, two branches of ‘B’ Class Development Bank. The population served per branch is 1,069 against the national average of 8,960[2]. This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area.

GESI Issues

Along with the Marwaris who have migrated from India to Nepal in large numbers, the Manangies are the best known traders of Nepal. Ever since the area was opened to outsiders in the late 1970s, many have switched from the traditional agriculture to hotel business.

A key focus of Sakchyam Access to Finance programme will be to increase the access to financial services and facilities to the poor people from the rural parts of the districts via value chain financing.

Sakchyam’s Ongoing Interventions

Outreach Expansion

  • To increase financial access for rural poor, one branch of Prabhu Bank and one branch of NMB Microfinance have been established in the district.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through introduction two BLB Touch Points through partnership with Prabhu Bank.

Financial Literacy Initiatives

  • NMB MF is conducting financial literacy campaigns through PGT and Centre Meeting Modules and videos in the district.
[1] National Population Census 2011 [2] Nepal Rastra Bank (July 2018)

Mugu


District Overview

Mugu lies in Karnali Zone in Province 6 of Nepal. Gamgadhi is the district headquarter. The district, with an area of 3,635 sq. km is divided into 24 VDCs. Mugu has 9,619 households with a total population of 55,286 (Male 28,025 & Female 27,261).[1]

The topography of the district consists of high mountains and as such road access is very limited. Gamgadhi is not linked to the national road network and is connected to the neighbouring districts by trails.

Economic and Financial Landscape

Agriculture (including livestock) and cottage industries are the main economic activities of the district. Although agriculture forms the major source of income in 97.12% of the households, food security remains a serious concern till date.[2] Among the small and cottage industries, majority work in the service sector followed by the productive sector.

The district is served by six different branches of ‘A’ Class Commercial Banks. The population served per branch is 10,185 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 Mugu comprises of about 48.87% Chhetri, 15.35% Thakuri, 9.47% Kami, 7.87% Tamang followed by smaller shares of other groups, in terms of caste/ethnicity.[4] Gender and caste based discrimination are persistent in Mugu. Women are discriminated in many different forms, one of them being ‘Chhaupadi’. Child marriage is also a common issue. About 72 percent of girls and women in Mugu are married in their adolescence.[5] Early marriage and gender based violence, often linked with alcoholism, are common sight in the district. 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.

Ongoing Sakchyam Interventions

Product Development

  • Launch of Weather Index Insurance (WII) and Livestock Insurance in partnership with Shikhar Insurance Company

Outreach Expansion

  • To increase financial access for rural poor, one branch of Rastriya Banijya Bank (RBB) one branch of NUBL and one branch of Shikhar Insurance Company have been established in the district.
  • Also, NUBL has extended financial services in the district through the distribution of 4 tablets.
  • RBB will establish one more branch in the district under the Local Units Project.

Financial Literacy Initiatives 

  • NUBL is conducting financial literacy campaign in the district through IVR messages. These messages are in local dialect.
[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] http://un.org.np/sites/default/files/mugu_district_profile.pdf

Nuwakot


District Overview

Nuwakot lies in Bagmati Zone of Province 3 of Nepal. The district with Bidur as its district headquarters falls into the Central development region and is further divided into 61 VDCs and one municipality. The district having 59,194 households, has a total population of 377,471 (Male 132,787 and Female 144,684) and a population density of 250 km2.[1]

Economic and Financial Landscape

Agriculture, Service and industry are the major activities performed by the residents in the district. 51.25% population is engaged into agricultural activity, 14.43% is engaged into salary earning occupations.

The district is served by 26 different branches of ‘A’ Class Commercial Banks, 11 different branches of ‘B’ Class Development Banks, 1 branch of ‘C’ Class Finance Companies. The population served per branch is 7,493 against the national average of 8,960[2]. 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 Nuwakot is that of Tamang (42.84%), followed by Brahmin (18.94%). The population of Nuwakot further consists of 12.60% Chhetris, 2.30% Magar followed by others, based on caste or ethnicity[3]. Gender based discrimination is the major problem of the district. Migration to overseas countries for employment is also an observed problem. A key focus of Sakchyam is to increase the access to financial services and facilities for the rural poor of the district, particularly for women and other DAGs. Sakchyam Access to Finance programme may also focus on value chain financing to the poor people from the rural part of the district and earthquake affected people. And also Sakchyam may provide support on value chain financing for commercial animal husbandry.

Sakchyam’s Ongoing Interventions

Value Chain Financing Innovations

  • Targeting farmers, Agricultural Loan Product has been launched in the district through a partnership with Sanima Bank.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through introduction of BLB Touch Points by Citizens Bank (34 BLBs), NIBL (three BLBs) and Rastriya Banijya Bank (four BLBs).

Outreach Expansion

  • To increase financial access for rural poor, one branch of Sanima Bank has been established in the district.

Other Products

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

Financial Literacy Initiatives

  • Mahila Sahayatra is conducting financial literacy campaigns in the district through IVR messages.
[1] National Population Census (2011) [2] Nepal Rastra Bank (July 2018) [3] Natioanl Population Census (2011)

Pyuthan


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)

Rolpa


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] http://un.org.np/sites/default/files/rolpa_district_profiles.pdf [6] Ibid [7] Ibid

Rukum


District Overview

Rukum is one of the five districts within Rapti Zone and lies in Province 5 and 6 as Rukum East and Rukum West, of Nepal. Musikot is the district headquarters. The district, with an area of 2,877 sq.km, is divided into 43 VDCs. It has 41,837 households with a total population of 208,567 (Male 99,159 & Female 109,408). Literacy Rate in the district is 62% (women’s literacy rate is 54%)[1]. Rukum is connected to Salyan district with an all-weather road.

Economic & Financial Landscape

Agriculture (including livestock and poultry), cottage industries and trading are the main economic activities of the district. Paddy, wheat, maize, vegetables, spices, etc. the main agricultural products of the district. The district is famous for high quality seed production. Its rich forestry resources, around 60% of the area is covered by forest, also provides potential for herb collection and processing.

The district is served by twelve different branches of ‘A’ Class Commercial Banks and one branch of ‘B’ Class Development Bank. The population served per branch is 16,930 against the national average of 8,960[2]. This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area. There is a demonstrable need to increase footprint of FIs in the inner areas of the district.

Agriculture is the main income source for majority of households (around 93%). If we analyse the use of credit products in Agriculture, only around 20% had agriculture credit out of which major sources of credit were relatives (68%), followed by women’s group (16%) and cooperatives (7.44%).[3]

To unleash the full potential of the agriculture sector, there is a need to increase access to credit and other financial products in the district.

GESI Issues

Women suffer from gender based discrimination in education, nutrition, social and cultural norms. Women are less likely to be involved in economic activities outside home and are marginalised in major decision making. Caste based discrimination is still prevalent in district.

A key aim of the AFP programme is to improve access to financial services and encourage formal participation in the economic sector for women and deprived segment of the districts. The AFP programme will use the GESI lens throughout the project cycle for addressing these issues.

 Sakchyam’s Ongoing Interventions

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through the launch of BLB Touch Points in partnerships with Everest Bank (two BLBs) and Prabhu Bank (two BLBs).
  • So far, NUBL and Chhimek have introduced the use of tablets in the district.
  • Chhimek Laghubitta Bittiya Sanstha Ltd has also established five Digital Points in the district.

Outreach Expansion

  • New branches of FIs have been opened to increase financial access for rural poor via partnerships with Prabhu Bank (one branch), Laxmi Bank (one branch), Citizens Bank (one branch), Mahila Sahayatra (one branch), VLBS (one branch) and NMB Microfinance (two branches).

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 NUBL, Mahila Sahayatra, VLBS, NMB Microfinance and Chhimek.
  • NUBL is conducting financial literacy campaigns through Centre Meeting Modules and via videos in the district.
  • Mahila Sahayatra, NMB Microfinance and VLBS are conducting financial literacy campaigns through PGT, IVR, Centre Meeting Modules and FM Radio.
  • Chhimek Laghubitta Bittiya Sanstha Ltd is conducting financial literacy campaigns through PGT and Centre Meeting Modules.

Product Development

  • Easy Business Loan has been designed and implemented in the district in partnership with NMB Microfinance.
[1] National Population Census 2011 [2] Nepal Rastra Bank (July 2018)[3] National Sample Census of Agriculture 2011-2012

Rupandehi


District Overview

Rupandehi lies in Lumbini Zone in Province 5 of Nepal. Bhairahawa is the district headquarter. The district, with an area of 1,360 sq. km is divided into 69 VDCs and two municipalities. Rupandehi has 163,916 households with a total population of 880,196.[1]

 Economic and Financial Landscape

Agriculture (including livestock and poultry), cottage industries and trading are the main economic activities of the district. 82.6% of the population reported agriculture as the major source of income.[2] Among the registered small and cottage industries, majority of the industries work in the production sector, followed by the service sector and then the tourism sector.

The district is served by 135 different branches of ‘A’ Class Commercial Banks, 94 different branches of ‘B’ Class Development Banks, and 13 different branches of ‘C’ Class Finance Companies. The population served per branch is 4,151 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

Rupandehi’s total population comprises of about 15.9% Brahmins, 10.7% Magar, 9.63% Tharu, 8.23% Muslim followed by many others, in terms of caste and ethnicity.[4] Women in Rupandehi are mostly confined to farming and household activities, and are less involved in major economic activities. This has led to practices like early marriage and dowry system. There is a lack of easy access to loan for women farmers. Subsidy to women to adopt new technologies hasn’t been introduced till date. Due to seasonal migration and involvement of women mostly in household activities, the area faces labour shortage in agriculture. Introduction of technologies that reduce the need of labour should be made accessible to women. A key aim of Sakchyam is to increase the access to financial services and products which also facilitate mechanisation of agriculture and facilities 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 by establishing BLB Touch Points in partnership with BOK (one BLB), Everest Bank (one BLB) and Macchapucchre Bank (four BLBs).
  • Also, two tablets have been introduced by NUBL in the district.

Value Chain Financing Innovations

  • Laxmi Bank has launched Tractor Loan targeting farmers in Rupandehi. They have also introduced Sakchyam Udhyami Karja, Micro Mortgage, E-Rickshaw and Livestock Loan in the district.

Outreach Expansion

  • To increase financial access for rural poor, one branch of BOK has been established in the district.

Financial Literacy Initiatives

  • Janautthan has been using flip chart, videos and financial literacy manuals for carrying out different financial Literacy activities.
  • Nerude is using flip chart, videos to promote financial literacy to their clients and potential clients.

Other Support

  • Janautthan has launched ‘Energy Loan’ in different branches in the district.
  • The programme is providing Dedicated ARM support to Machhapuchhre Bank, Sanima Bank and Laxmi Bank in the district.
[1] National Population Census (2011) [2] National Sample Census of Agriculture (2011-2012) [3] Nepal Rastra Bank (July 2018)[4] National Population Census (2011)

Salyan


District Overview

Salyan is one of the five districts within Rapti Zone and lies in Province 6 of Nepal. Khalanga is the district headquarters. The district, with an area of 1,951sq.km, is divided into 47 VDCs. It has 38,084 households with a total population of 242,444 (Male 115,969 & Female 126,475). Literacy Rate in the district is 65% (women’s literacy rate is 55%).[1] Salyan is connected to Dang district through an all-weather road.

Economic & Financial Landscape

Agriculture, livestock, poultry, cottage industries and trading are the main economic activities of the district. The district is also coming up as a major area for production of ginger and High Value Off Season Vegetabel (HVOV). Its rich forestry resource, 66% of the area is covered by forest, also provides potential for herb collection and processing.

The district is served by 17 different branches of ‘A’ Class Commercial Banks, 3 different branches of ‘B’ class Development Banks, and 1 different branch of ‘C’ Class Finance Company. The population served per branch is 12,508 against the national average of 8,960[2]. This indicates the need to further expand the outreach of financial services and facilities to the unbanked population of the area.

Agriculture is the main income source for majority of households (around 93%). If we analyse the use of credit products in Agriculture, only around 20% had agriculture credit out of which major sources of credit were relatives (68%), followed by women’s group (16%) and cooperatives (7.44%).[3]

To unleash the full potential of the agriculture sector, there is a need to increase access to credit and other financial products in the district.

GESI Issues

Women suffer from gender based discrimination in education, nutrition, social and cultural norms. Women are less likely to be involved in economic activities outside home and are marginalised in major decision making. Caste based discrimination is still prevalent in district.

A key aim of the AFP programme is to improve access to financial services and encourage formal participation in the economic sector for women and deprived segment of the districts. The AFP programme will use the GESI lens throughout the project cycle for addressing these issues.

Sakchyam’s Ongoing Interventions

Value Chain Financing Innovations

  • Wholesale Loan to Dairy Cooperatives, in the Dairy Value Chain has been launched in partnership with NMB Bank in the district.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through the launch of BLB Touch Points in partnerships with Everest Bank (two BLB) in the district.
  • So far KMF and NUBL have introduced the use of tablets in their branches in the district.
  • Chhimek Laghubitta Bikash Bank has also established two Digital Points in the district.

Outreach Expansion

  • New branches of FIs have been opened to increase financial access for rural poor via partnerships with Mega Bank (one branch), Nabil Bank (one branch), Laxmi Bank (one branch), KMF (one branch), NWCSC (one branch), VLBS (three branches), and Mahila Sahayatra (one branch).
  • Himalayan Bank will launch one branch under the Local Units Project 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 NUBL, KMF, Mahila Sahayatra, NWCSC, RMDC and VLBS.
  • NUBL is conducting financial literacy campaigns through Centre Meeting Modules and videos in the district
  • RMDC is conducting financial literacy campaigns through various financial literacy initiatives such as school level interactions.

Product Development

  • Migration Loan Product has been designed and implemented in the district in partnership with NWCSC.
  • Business Loan has also been designed and implemented in the district in partnership with Mahila Sahayatra.

Other Support

  • The programme is providing Dedicated ARM support to Machhapuchhre Bank in the district.
[1] National Population Census (2011) [2] Nepal Rastra Bank (2017) [3] National Sample Census of Agriculture (2011-2012)

Sarlahi


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)

Sunsari


District Overview

Sunsari is a district that lies in Province 1 of Nepal. The district with Inaruwa as its headquarter is located in the Terai plain of Eastern development region. The total area covered by the district is 1,257 sq. km., which is further divided into 49 VDCs, three municipalities and six electoral constituencies. The total number of households being 162,407, the district has a total population of 753,244 (Male 362,551 and Female 390,693) and a population density of 607.39 per sq. km.[1]

Economic and Financial Landscape

The major economic activities performed by the locals of this district are agriculture, industry and service. However, only 19.47% of the households report to have agriculture as their major source of income[2]. The main reason behind this is the growing popularity of migration and overseas employment.

The district is served by 84 different branches of ‘A’ Class Commercial Banks, 21 different branches of ‘B’ Class Development Banks, 11 different branches of ‘C’ Class Finance Companies. The population served per branch is 7,437 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 Sunsari is that of Tharu (11.98%), followed by Muslim (11.55%). The population of Sunsari further consists of 7.99% of Brahmin, 9.36% Chhetris, 2.20% Kami, 2% Magar followed by others, based on caste or ethnicity[4]. Caste based discriminations is the major problems of the district. Seasonal migration to India for employment is also an observed problem. A key focus of Sakchyam is to increase the access to financial services and facilities for the rural poor of the district, particularly for women and other DAGs. Sakchyam Access to Finance programme may also focus on climate and GESI related concerns such as solar technology, biogas and rice husk Gasifier, wood, bio-charcoal, bio-briquette, etc.

Sakchyam’s Ongoing Interventions

Value Chain Financing Innovations

  • Targeting farmers, Tractor Loan Product has been launched in the district via partnership with Laxmi Bank. They have also introduced Sakchyam Udhyami Karja, Micro Mortgage, E-Rickshaw and Livestock Loan in the district.

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 Sahara SACCOS.

Outreach Expansion

  • To increase financial access for rural poor, four branches of Sahara SACCOS and one branch of RMDC have been established in the district.

Financial Literacy Initiatives

  • Sahara SACCOS is conducting financial literacy campaigns through IVR, PGT, Centre Meeting Modules, FM Radio and videos.
  • Nerude is using flip chart, videos to promote financial literacy to their clients and potential clients.

Product Development

  • Sahara SACCOS has launched Commercial Agriculture Loan and Renewable Energy loan in the district.

Other Support

  • The programme is supporting Laxmi Bank, Machhapuchhre Bank and Sanima Bank to deploy Dedicated ARMs to increase financial services to the rural poor.
  • 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)

Surkhet


District Overview

Surkhet lies in Bheri Zone in Province 6 of Nepal. Birendranagar is the district headquarter. The district, with an area of 2,451 sq. km is divided into 50 VDCs and one municipality. Surkhet has 72,863 households with a total population of 350,804 (Male 169,421 & Female 181,383).[1]

Surkhet is a commercial hub to remote districts like Dailekh, Kalikot, Jumla, Mugu, Jajarkot, and Salyan of Mid-Western region of Nepal and is accessible by road and air from other parts of the country.

Economic and Financial Landscape

Agriculture (including livestock and poultry) cottage industries and trade are the main economic activities of the district. Among the registered small and cottage industries, majority belong to the industries belong to service sector, followed by the productive sector and the energy sector.

The district is served by thirty nine different branches of ‘A’ Class Commercial Banks and three different branches of ‘B’ Class Development Banks, and two branches of class ‘C’ Finance companies. The population served per branch is 8,991 against the national average of 8,960[2]. 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 Surkhet comprises of a majority of about 31.62% Chhetris, 18.88% Magar, 18.29% Kami, 11.53% Brahmin followed by others, in terms of caste and ethnicity.[3] A key focus of Sakchyam Access to Finance programme 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

  • Wholesale Loan to Dairy Cooperatives, in the Dairy Value Chain has been launched in partnership with NMB Bank in the district.

Delivery Channel Innovations

  • The programme has been able to reach the unbanked population of the district through the launch of two BLB Touch Points in partnerships with Everest Bank.
  • NUBL has also introduced tablet banking in the district.

Outreach Expansion

  • To increase financial access for rural poor, one branch each of Mahila Sahayatra, Sana Kisan Laghubitta Bittiya Sanstha Limited and VLBS, 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 NUBL, Mahila Sahayatra, RMDC and VLBS.
  • NUBL is conducting financial literacy campaigns in the district through Centre Meeting Modules and videos.
  • VLBS is conducting financial literacy campaigns through PGT and Centre Meeting Modules.
  • Mahila Sahayatra is conducting financial literacy campaigns through IVR, PGT, Centre Meeting Modules and videos.

Product Development

  • Business Loan Product has been designed and launched in the district in partnership with Mahila Sahayatra.

Other Support

  • The programme is supporting Machhapuchhre Bank and Sanima Bank to deploy Dedicated ARMs to increase financial services to the rural poor.
[1] National Population Census (2011) [2] Nepal Rastra Bank (July 2018) [3] National Population Census (2011)