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