Nepal Rastra Bank (NRB), the Central Bank of Nepal, was established in 1956 under the Nepal Rastra Bank Act, 1955, to discharge the central banking responsibilities including guiding the development of the embryonic domestic financial sector. Since establishment, there has been significant growth in both the number and the activities of the domestic financial institutions in the country.

Sana Kisan Bikas Laghubitta Bittiya Sanstha ltd. (SKBBL), established on July 6, 2001, is a public limited company registered under company act 2006. The financial institution has received a license from Nepal Rastra Bank in accordance with Bank and Financial Institution Act 2017 as D class national level financial institution and working as major wholesale lending micro finance institution.

NMB Laghubitta Bittiya Sanstha Ltd. (NMBMF) is a National Level “D” class financial Institution licensed by Nepal Rastra Bank as per Bank and Financial Institutions Act 2003. It is a subsidiary company of NMB Bank Ltd. It was established in 2069 B.S. with core mission of inclusive banking. NMBMF currently has 7 Province Office, 143 Branch Office & 5 Sub-Branch Office on operation covering 68 district.

UNLBSL is one of the leading ‘D’ Class Micro-finance institutions in Western Nepal. Smart Campaign awarded the ‘SMART CERTIFICATE’ in April 2021 to us. Currently, it provides its services to more than 84,000 poor and marginalized beneficiaries from ten districts of Province 5 and Province 7.

UNLBSL obtained micro-finance banking license from the Nepal Rastra Bank in October 2018. However, the history goes back to the year 2000, when UNYC Nepal started working in this field. It has continuously worked for last 18 years under the provisions of Financial Inter-mediator Act, as a ‘FINGO’.

NIC ASIA Laghubitta Bittiya Sanstha Limited is incorporated as a public limited company registration no. 171621/074/075 on 2074.4.10 BS at Company Registrar Office of Government of Nepal under Company Act 2063.The company is one of the “D” Class Financial Institutions (Micro Credit Development Bank) licensed no NRB “Gha” 61/074/75 on 2074.8.5 by Nepal Rastra Bank (NRB) under the Bank and Financial Institution Act, 2063.The Bittiya Sanstha has commenced its financial transaction from 2074.9.5 BS. Registered office of the bittiya Sanstha’s was at Bheri Malika-4 municipality,Jajarkot District. After the Merger with Swadeshi Laghubitta Bittiya Sanstha Limited the head office of the company is located at Itahari Sub-Metropolitan City, ward no. 9, Sunsari District, Nepal and its service area covered to nationwide.

NESDO Sambridha Laghubitta Bittiya Sanstha Ltd is Promoted by National Educational & Social Development Organization,NESDO Nepal. NSLBSL was incorporated under Company Act-2063 as a Public Limited Company with the mandate to operate as a “D” Class National Level Micro finance Institutions within the frame work of The Bank & Financial Institutions Act (BFIA)-2073. The Authorized Capital of NSLBSL is Rs.50 Crore and its Issued and Paid-Up Capital is Rs.7 Crore. NESDO Nepal holds 48% of total shares in NSLBSL. In Total there are 83 Promoters of NSLBSL .The Promoter of NSLBSL are NESDO Nepal ,Prabhu Bank and 81 Person from different section of the Society. NSLBSL Started its operation from 5th March 2019,as on that date all the micro finance activities of NESDO Nepal transferred to NESDO Sambridha Laghubitta Bittiya Sanstha Ltd. At present NSLBSL served 78 thousands ultra-poor families reside in the remote area of Nepal through is 56 branch offices located in 17 districts.

FORWARD Microfinance Laghubitta Bittiya Sanstha (Pa. Ltd.), “the microfinance for upliftment of the poor” is a microfinance institution established in September 2012 under Company Act of Nepal 2006. Nepal Rastra Bank, the Central Bank of Nepal, granted a license in March 2013 to undertake financing activities under the Bank and Financial Institution Act 2006. It started its formal operation from May 2013. FORWARD Community Microfinance Bittiya Sanstha Limited (FORWARD) provides microfinance services such as Loans, Deposits, Micro-insurance and Remittance services to low income families of Nepal. FORWARD follows group lending based on Grameen Bank, Bangladesh model microfinance as well as non-group lending based on its own model through a network of all branch offices in Nepal

Microfinance is an effective tool that can help reduce poverty and spread economic opportunity by giving poor people access to financial services such as credit, saving,training,health campaign insurance and so on.

Aarambha Chautari Laghubitta Bittiya sanstha is the leading National level micro finance of Nepal and operates in 31 districts. As Per Nepal Rastra Bank Merger policy ACLBSL is the result of merger of Chautari Laghubitta Bittiya Sanstha Limited and Aarambha Laghubitta Bittiya Sanstha Limited.

Asha Laghubitta Bittiya Sanstha Ltd established in Nuwakot District under the Bank and Financial Institution act, 2063 as national level Microfinance Institution. Idea behind promoting this laghubitta bittiya sanstha is to provide demand driven, locally adaptable, diversified and financially sustainable quality microfinance services. We believe that participation of the private sector is essential for increasing outreach and providing quality services.

Civil Laghubitta Bittiya Sanstha Limited, a subsidiary company of Civil Bank Limited was incorporated as a public limited company on 1st Chaitra 2067 (15 March 2011) under the Companies Act of Nepal. The company received the business operating license from Nepal Rastra Bank to conduct micro-finance activities as a ‘D’ class financial institution on 7th Baishak 2069 (19 April 2012). The company started its operation on 21 Ashad 2069 (05 July 2012). The company has its registered central office at Chabahil, Kathmandu, Nepal.

Deprosc Laghubitta Bittiya Sanstha Limited is promoted with the equity participation of Nabil Bank Ltd, Nepal Bank Ltd, Agriculture Development Bank Ltd, Lumbini Bikas Bank Limited (formerly known as Lumbini Finance and Leasing Company Ltd), Development Project Service Center (NGO), CEAPRED (NGO) and former bankers having 15-20 years of experience.

The bank was registered on January 12, 2001 under Company Registration Act 1997 and Nepal Rastra Bank has provided operating license on July 3, 2001 under Bank and Financial Institution Act 2007. The Institution has authorized capital, Issued capital and paid up capital are Rs.2 billion and Rs.1.3875 billion respectively.

Gurans Laghubitta Bittiya Sanstha ltd.(GLBSL) is a rising micro finance institution in eastern Nepal providing access to finance to more than 19,000 poor, landless, discarded and marginalized members in 12 districts through 33 branches across province-1. GLBSL received micro finance banking license from the Nepal Rastra bank, Central bank of Nepal in 2073/ 07/22. And company registration office in 2073/02/02. GLBSL provides standard, reliable and sustainable financial services to the poor and marginalized members. It strives to promote saving, encourages income generation, self-employment, supports agriculture and micro–enterprises development, social awareness and provide social security. Gurans started providing financial services with paid up capital of NRs 2 Crore. Now the amount has increase to NRs 8.34 crore. GLBSL is lead by 24 core promoter shareholders along with general public shareholder after IPO.

Mahuli Laghubitta Bittiya Sanstha Ltd.(MLBSL) is a national level “D” class microfinance institution incorporated under company act 2063. An authorized capital is 300 million with 215.6 million issued capital. Mahuli Laghubitta aims to integrate all social classes rural women at one single platform and provides funds for scaling small medium enterprise activities in all region of Nepal. MCDC is an origin of Mahuli Laghubitta getting started financial activities 25 years back and now Mahuli becomes popular in terms of gaining customer confidence, easy access of rural finance, joint project collaboration and social development participation.

Manakamana Smart Laghubitta Bittiya Sanstha Limited (MKLB), with Its central Office at Siddharthanagar Municipality ward No. 5, Maitripath Bhairahawa , Rupandehi, is a public limited company. It is duely registered under Company Act 2063 at the Office of Company Registrar, kathmandu on 2074/06/25 B.S and licensed by Nepal Rastra Bank on 2074/10/02 B.S. to operate financial servies as “D” class Micro Finance Institution. MKLB has started its financial operation from 2074/11/06., beginning from Bhairahawa Branch Rupandehi.

From 2076/04/11,former Smart Laghubitta Bittiya Sanstha Ltd,with its head office at Ghorahi Dang, has been merged and thus,it was named Manakamana Smart Laghubitta Bittiya Sanstha Limited(MKLB)

Manushi micro finance program was commenced in April 2002 as a major program of Manushi which was established in 1991. Presently, Manushi Microfinance is registered under company act and got the D class bank license from Nepal Rastriya Bank in Ashoj 25, 2075 B.S.

The program is fully guided by the principles such as reaching the poorest, supporting and empowering women, building financially self sufficient instituition and insuring positive and measurable impact on the lives of clients and their families.

Sabaiko Laghubitta Bittiya Sanstha Limited (SLBSL) promoted by reputed individuals peoples, is a national level microfinance Institution licensed by Nepal Rastra Bank, the central bank of Nepal.

SLBSL registered as a public company on 8th May, 2017 and received operating license from central bank as “D” class national level financial institution on 9th July, 2017 to operate under Bank and Financial Institution Act, 2017. Its head office is at Bandipur – 1, Dumre, Tanahu.

It aims to provide banking services to the rural unbanked population and contribute to the overall poverty reduction program through increment of production and productivity of rural Nepal. It started formal microfinance operation from July 14, 2017 from its first branch office located in Bandipur – 1, Dumre, Tanahu.

Sadhana Laghubitta Bittiya Sanstha Ltd incorporated as a Public limited company in 2073/02/31 under Company Act 2063. Sadhana has started its Financial operation from 2074/07/22 after getting the license from Nepal Rastra Bank to operate as a ‘D’ class National Level financial institution as per Bank and Financial Institution Act 2003.

Sadhana Laghubitta Bittiya Sanstha Ltd has main objective is to provide Laghubitta service to the poor and needy families living in rural areas who are basically economically disadvantaged, and who are far from the access of banking services.

One of the Micro finance Institutions registered under the company Act, 2003 on 2013-07-12 as public limited Company having Registration number 114029/069/070 in Company Registrar Office, Kathmandu, Nepal and licensed by Nepal Rastra Bank (Central Bank of Nepal) as a ‘D’ class financial institution on 2014-04-13 with Reg. No. 36/070/071 to operate under bank and financial institution act 2013. We locate at Sanga, Banepa Municipality,ward no. 14,Kavrepalanchowk district,Province No. 3 of Nepal.

It started formal microfinance institution from 2014-07-14. Before we were established we were as NGO(Women Development Center of Nepal-WDCN), which carried out earlier its own microfinace activities in 6 districts including Kavrepalanchowk district. Thus, as an initiative of WDCN and with the help from various promoters, SLBSL was established.

So far, after the merger of two different ( The Sarathi Laghubitta Bittiya Sanstha Ltd., Vyas-02, Damauli, Tanahun and Naya Nepal Laghubitta Bittiya Sanstha Ltd., Dhulikhel -03, Kaverepalanchowk) companies, the unified companies was given new name, “Naya Sarathi Laghubitta Bittiya Sanstha Ltd”. It is a public limited company under the Company Act 2063 and operating under the Banking and Financial Institution Act (BAFIA) 2073. The organization is licensed by NRB as a “D” class National Level financial institution under the BAFIA.

Support Laghubitta Bittiya Sanstha (Support) Ltd. is registered under the “Company Act 2063” with the Company Registrar’s Office of Nepal as a Microfinance Institution on Nov 14, 2014 (2071.07.27 Bikram Era). Support Received Operating License from Nepal Rastra Bank on June 30, 2015, and Started Formal Microfinance Programs from July 12, 2015 (2072.03.27) under Bank and Financial Institution Act 2063(2006). Initially, the Authorized Capital of Support is NRs. 150 million, the issued capital is NRs. 66 million and paid-up capital is NRs. 66 million (Promoters 70% & General Public 30%). Support First Branch Office Dhankuta Bajar ( Dhankuta Municipality) is located in Dhankuta District. Support Provides Microfinance Services such as Micro Loans, Micro Deposits, Microinsurance, and Remittance services to poor families of Nepal. Its Central Office is at Itahari, Sunsari District, and Eastern Region of Nepal.

Upakar Laghubitta Bittiya Sanstha Limited is registered as ‘D’ class Financial Institution (Microfinance Bank) with a capital of 60 million licensed by Nepal Rastra Bank. It was transferred from the microfinance programe of Mahila Upakar Munch. The paid up capital of this institution is 42.2 Million. It is established on Magh 17, 2075 at Kohalpur, Banke and started it’s services on 1st Chaitra 2075 and registered according to company Act on Shrawan 25th 2075 . It operates 15 branches in 2 districts of province no. 5 Nepal namely Banke & Bardiya.

Micro Finance is regarded as the best available tool for poverty alleviation through financial services to the low income group and is a mechanism of social intermediation. It focuses on providing employment to poor and disadvantageous group of the society. It is emerged as an important financial intermediation of formal, semi-informal and informal sector. Thus micro-finance has been considered as banking with development tools.