Increasing Access of Micro-finance Services to Rural Area

1.    Introduction of project:
In the joint partnership of Sakchyam Challenge Find and UNYC Nepal, UNYC Nepal has started project name, "Increasing Access of Micro-finance Services to Rural Area" in Bardiya, Kailali and Dadeldhura district. Under this project, it is planned to open 10 new branch offices and increase the access of micro-finance services up to minimum 15,000 poor women. The project is innovative in terms of covering new geographical area, enrolling ultra poor groups, like, freed Kamaiya , Freed Haliya , Freed Kamlahri , Adherawa  and Single women  and practicing branchless banking and conduction of financial literacy.
2.    Mission Statement of project:
The overall aim of this project is to enhance income of target beneficiaries through delivering micro-finance services and creating jobs. Other specific objectives are given below.
3.    Objectives of project:
a.    To increase the access of poor people in micro-finance services through opening new branches in rural area.
b.    To create jobs (self employment) and increase income of target beneficiaries through providing loan for income generation works.
c.    To provide skill training as per need, priority and market possibility of target beneficiaries.
4.    Planned Activities:
The major planned activities are given below.
a.    Opening 10 new physical branch offices and one branchless banking
b.    Providing micro-finance services to minimum 15,000 poor women for economic development.
c.    Providing capacity building training to the clients of micro-finance program


[1]  Freed Kamaiya were bonded labourers. Nepal government freed them from their slavery 14 year before but due to lack of effective rehabilitation supports, they have been spending very tedious life. They are living in Dang, Banke, Bardiya, Kailali and Kanchanpur districts. According to government data, there are about 32000 HHs freed Kamaiya in given 5 districts. All of the Kamaiyas are from indigenous Tharu community.

[2]  Freed Haliya are the poorest farmers, who cultivate others land on conditional basis. Most practice is sharing 50%, 50% in between landlord and tenant (Haliya).  The socio-economic status of them is also very low. They have no other alternative income generating works, so they compelled to cultivate others land to sustain their daily life.

[3]  Freed Kamlahri are those poor household child labour who are enforced to do domestic works. Nepal government has freed them and prohibited to keep such a child labour. But they have still problem of hand to mouth because the irresponsible rehabilitation program.

[4] Landless and/or the poor households who cultivate landlords land in the condition of sharing agro-product in the ratio of 1:1 in between landlord an Adherawa.

[5]  Single women means that woman who has no their husband and source of income for livelihood. Most of the single women are of last armed conflict, during that period, they lost their husband. Single women are of also poor family and belong to indigenous ethnic and Dalit community.

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