Access to affordable financial services plays a crucial role in supporting the economic growth and reducing the income inequality and poverty bars where the financial institution like microfinance can uplift the financially deprived segments by enhancing their ability to sustain livelihoods, manage risks and improve their livings.
Recognizing the importance of a well-functioning financial sector in reducing income inequality and poverty, Government of Nepal has adopted Financial Inclusion as a strategic priority. In line with this, the Central Bank of Nepal has formulated and implemented several policies to encourage financial inclusion since the 1990s.The government’s Sustainable Development Goals (SDG) 2016-2030 further emphasizes the need to improve access to finance and facilitates inclusive and sustainable development where various financial intermediaries have been involved in delivering financial services. Whilst, microfinance operations; as one of the crucial intermediator, proven to be the powerful tool for reduction of poverty worldwide via inclusion of the poor, marginalized and under-served segments of populations into the formal financial system, has been categorized as one of the utmost priority of Nepal Government at present context.
Deprosc Laghubitta Bittiya Sanstha Limited (DLBSL), one of the largest national level MFIs, has expanded its outreach to 72 districts of Nepal and has plan to cover remaining districts under its program in the near future. Since its inception in 2001, DLBSL is dedicated in identifying and harmonizing the value chain by understanding the financial needs of the deprived, marginalized and micro & small level entrepreneurs, households’ and is determined in raising awareness regarding financial literacy, developing skills and encouraging them to sustainable development via involving them in income-generating activities. It also encourages members the culture of Savings with an aim to smoothening their cash flows and mitigate their unforeseen risks.
DLBSL believes, access to affordable and appropriate financial instruments is imperative to improve the living conditions of underprivileged segments. Hence, we are committed to design & deliver the financial services according to the need, so as to increase income, manage risks and build wealth over time by using different models, channels, and mechanisms whenever necessary. Member and borrower’s welfare has been considered by securitization their loan and offering different schemes, aids and supports.
DLBSL thrives to lead the microfinance industry as a key player by maintaining the Triple Bottom Line approach of business practices-"people, profits and planet." High priority is laid on considering the Social, Environmental and Financial aspects while developing policies, programs, products, processes, mechanisms and implementation of the same. We are committed to provide easy and affordable microfinance services at the door steps of our members.
I would like to express my sincere thanks and gratitude to the Govt. of Nepal, Nepal Rastra Bank, other concerned regulators; promoters and Board of Directors, development partners including other stakeholders who have extended their continuous support to us for the expansion & improvement of DLBSL program. Heartfelt thanks go to our valuable members/clients for their continuous participation and feedback. I am also thankful to Deprosc staffs for their motivation, dedication and hard works that has made Deprosc to be a Socially Responsible and Financially Viable MFI.
Thanking you,
Amraj Khadka
July 2018
ENGLISH 
NEPALI
Annual Reports