;do kl/jt{glzn 5, b'mv kl5sf] ;'v cg'ej ug{ d]xgt / OdfGbf/Ltf vffrf] x'g5 egg] s'/fsf] Ps HjnGt pbfx/0f x'g\ x]df s'df/l yfkf. ldlt @)#@ ;fn r}q @^ ut] :ofëhf lhnnf la?jf cr{n] uflj;sf]? gu]gb /fh kf}8]n nnfëdf a'af s]o/ l;fx yfkf tyf cfdf k ]d s'df/l yfkfsf] h]7l 5f]/Lsf]?kdf hgd lnpsl x]df s'df/l yfkfsf] a'afn] bf]>f] ljjfx u/]kl5 pgsf] cwoog cf7 siffdf dfq ;Lldt x'g k'uof]. x]dfsf] kfl/jfl/s cj:yf / ;+3if{sf] lbgx? o;/l z'? eof] egl ;'gfpl5g\. pgsf]!* jif{sf] pd]/df :ofëhf lhnnf k'tnlahf/ gu/kflnsf j8f g+=!@ a/hf l:yt la l6z nfx'/] g/jxfb'/ yfkfsf] 5f]/f wd{/fh yfkf;fu dful ljjfx eof]. dfotldf h]7l 5f]/Lsf]?kdf x's]{sl ljjfx kzrft\ klg h]7l a'xf/lsf]?kdf kfl/jfl/s agwgdf afflwog\. x]dfsf] kl/jf/ eg] 7"nf] lyof]. ;;'/fsf] afx]s c? s;}sf] cfdbfgl lypg. x]dfsf] >Ldfg\sf] klg sdfo{ gepsf] / cfkm\gf] klg s]xl cfdbfgl gepsf]n] z'?sf j}jflxs lbgx? ;'vdo lypgg\. klxnf] ;Gtfg 5f]/Lsf] hgd epsf] lyof]. oqls} a;]/ epg, s]xl t ug'{k of] egl >Ldfg\ ;fpbl k'u]. >Ldfg\ j}b]lzs /f]huf/ldf upkl5 ca t ;'vsf lbg cfp5g\ egg] cfzfdf lyog\ x]df. >Ldfg\n] ljb]z cfpg] hfg] ug{ t yfn] t/ ljb]z a;]/ sdfpsf] ;DklQ klg ;fylx?n] vfolbg] dfq geo{ kf;kf]6{df bnfnlsf] sf/0f k'ln;sf] kmgbfdf kbf{ cj:yf emg\ b'mvb eof]. x]dfn] ljb]zsf] sdfo{df e/ ug'{ egbf cfkm} s]xl ug'{ k5{ egl C0fsf] vf]hldf lyog\. olta]nf ;Dd bf]; f] ;Gtfg 5f]/fsf] klg hgd eof]. kfl/jfl/s?kdf lhdd]jf/l a9]kl5 cfdbfgl gx'fbf b}lgs hljg emg} si6s/ x'g yfnof]. o;} ;dodf d'lqmgfysf] n3'ljq sfo{qmdn] cfˆg} uffp3/df n3'ljqn] lxddt a9fof] x]dfsf] ljgflwtf] ;fd'lxs hdfgldf C0f lbg5 /] egg] uffo{uf'o ;'lgg\ / uffps} bz hgf dg ldng] dlxnfx?sf] ;d"x u7g u/l s]gb lgdf{0f ul/g\. ;d"xdf cfa4 eo{;s]kl5 @)^! ;fn c;f]hdf k yd shf{?= %,))) lno{ @ j6f afv f vl/b ul/g\. afv fx?n] $ j6f kf7fkf7l kfof]. afv faf6 ^ dlxgfdf?= ^,))) gfkmf eof]. x]dfnfo{ u of] eg] x'g] /x]5 egg] xf};nf a9\of]. bf]; f] shf{?= @),))) lno{ h;l{ ufo{ yk ul/g\. laxfg # ah] p7]/ 3fF;, k/fn, bfgfkfgl u/]/ b}lgs @) ln6/ b'w glhs} /fëvf]nf ahf/sf] nu]/ a]rg yflng\. ufo{ / afv fsf] :ofxf/ ;';f/df cgo kfl/jfl/s ;xof]u gepsf]n] /ftl!) ah] ;Dd 3/sf] sfd ;lsb}gyof]. laxfg # ah] p7]/ ;a} uf]7wgbf ;s]/ $ ah] cfkm}fn] /fëvf]nf ahf/df b'w 8]/Ldf k'/\ofpg g;s]kl5 ufo{kfng cufl8 a9fpg ;lsgg\. dlxgfsf] rfln; krf; xhf/ sdfo{ ug]{ a]nfdf zl//n] g;s]kl5 x]dfn] Joj;fo 5f]8L 3/d} al;g\. b}lgs ahf/ hfg gkg{] Joj;fosf] vf]hldf lyog\ x]df. @)^^ ;fn cfiff9!* ut] t]>f] shf{?= $),))) lnp/ a+u'/sf] vf]/ lgdf{0f u/l $ j6f a+u'/ kfng z'? ul/g\. >Ldfg\nfO{ j}b]lzs /f]huf/laf6 lkmtf{ af]nfo{ afu'/ tyf afv fkfng sfo{nfo{ lg/gt/tf lbog\. >Ldfg\nfO{ ;d]t csf]{ Joj;fodf nufpg] rfxgf eof]. Joj;fodf nufgl a9fpg k};fsf] cfjzostf eof]. afv f / a+u'/ kfngaf6 epsf] s]xl art / d'lqmgfyaf6 rf}yf} shf{?= ^),))) lno{ cfkm\g} 3/df ;fgf] ls/fgf k;n z'? ul/g\. afv fkfngsf] nflu /fd f] r/g If]q / ahf/ glhs epsf] sf/0f afv fkfngsf] ;fy;fy} afu'/kfng Joj;fo lgs} km:6fof]. Joj;fo lj:tf/sf] nflu k'/fgf] 3/ glhs}sf] rf]sdf Ps tn] slrr 3/ agfpg] ;f]r cfof]. ls/fgf k;naf6 klg /fd f] Jofkf/ e}/x]sf] lyof]. t]; f] ;Gtfgsf]?kdf 5f]/Lsf] hgd eof]. x]dfsf] d]xgt b]v]/ >Ldfg\sf] dg km]l/of]. of] cfh{g u/]sf] art / ;DkQL ;a} >LdtLsf] xf], d}n] 5' } s]xl ug'{ k5{ egg] dfgotf /fvl ;'gf}nl kf]v/f rng]?6sf] k'/fgf] uf8l lsgg'eof] / cfkm}f uf8ldf lxf8\g yfng'eof]. Psflt/ afv f, afu'/ kfng' 5 eg] csf{] lt/ k;n klg rnfpg' 5 tlg ;GtfgsL cfdf x]dfn]. laxfg ;a]/} p7]/ ljlegg 3/fo;L ;fdu Lx? agfpg'kg{] / kfl/jfl/s?kdf vfglkgsf] Joj:yf ug'{ sd r'gf}tl lypg. t/ klg cff6] kl5 eujfgn] k'/\ofpf5g\ eg] em} ls/fgf k;n;fu} xf]6n tyf k m]; xfp; klg rnfpg yflng\. xf]6nsf] kl/sf/ lasg yfn]kl5 pgn] xfn;fn}!%)
j6f hlt a f]on/ s'v'/f cfkm} kfn]sl 5g\. ljutdf nf]sn s'v'/f kfn]sl x]dfn] Joj;flos?kdf s'v'/fkfng ;d]t u/l s'v'/f aflx/l ahf/df gk7fo{ 3/af6} df;' a]rg] u/]sl l5g\. x]dfn] k6s k6s u/l xfn;dd?= %,(),))) shf{ lno{ ;s]sl 5g\. cfh pggt hftsf] afv f ( j6f, afu'/ % j6f 5g\ eg] k;ndf b}lgs kffr 5 xhf/sf] sf/f]jf/ x'g5. x]dfn] cfkm\g} sdfo{n] Ps tn] slrr 3/ agfpsl 5g\. a}fssf] n3'ljqn] ls:tf ltg{ ;lhnf] agfpsf]n] aflx/l JolQm;Fu cfly{s sf/f]jf/ ug{ gk/]sf] atfpfl5g\. h]7l 5f]/LnfO{ kf]v/fdf bgt lrlst;f k9\g k7fpsf], 5f]/f afx siffdf cwoog/t /x]sf] / csf]{ 5f]/L $ siffdf k9\b} u/]sf] cj:yfdf ;Dk"0f{ vr{ cfkm}fn] rnfpg ;kmn epsf] atfpfl5g\. cfkm"n] k9\g gkfp/ b'mv kfpsf]n] 5f]/f5f]/Lsf] cwoogsf] nful 7"nf] nufgl u/]sf] atfpfl5g\. h;l{ ufo{ kfnbfb]lv b'mv u/]tfklg xfnsf lbgdf b'mv g/x]sf] ;'gfpfl5g\. elgg\. bz hgfaf6 z'? epsf] a}fssf] n3'ljq sfo{s ddf cfh #% hgf dlxnf lbbl alxgl cfj4 eo;s]sf 5g\. æx'g t cfh ;f;" ;;'/f a]nfot 5g\ rfx]df kss} klg pt} hfg ;lsgyof] t/ of] d]xgt, OHht 5f]8]/ sxl hfg dg 5}g. d]/} ufpfs} sltko nfx'/]sf kl/jf/ lj:yflkt eo;s] klg d cfˆgf] kfv'/f rnfpg / kl;gfn] leh]sf] df6f]sf] df]xnfo{ TofUg ;lsbgæ x]dfn] elg5g\. x]dfsf] lxddt / d'lqmgfysf] ;fy epsf]n] ;fdflhs tyf Jofkfl/s?kdf kl/lrt u/fpg af6f] b]vfpg] a}fssf] n3'ljq sfo{qmd /x]5. h;n] cfhsf] ;kmn Joj;foL x]df agfolbpsf] 5. d'lqmgfy cfo{k'uof] ufp 3/ n3'ljq 8]:s sfof{no, k'tnlahf/? ;'ldqf la=s= ;f;" ;;'/fsf] ;DklQ glnpklg xfn dlxgfsf] rfln; krf; xhf/ sdfo{ /x]sf] atfpfl5g\. æ5f]/f5f]/lnfo{ k9fpgsf] nflu klg nufgl u/l Joj;fonfO{ cem} a9fpg' k/]sf] 5Æ x]dfn] cy{k"0f{ hljgsf nflu cfjf;df $& j6f 3/ lgdf{0f sfo{ ;DkGg Habitat for Humanity International Nepal / d'lqmgfy ljsf; a}+ssf] ;dgjodf æcy{k"0f{ hljgsf nflu cfjf;æ egg] d"n dd{sf ;fy ;'/lift cfjf; lgdf{0f u/l u fxsx?sf] cfjf;nfo{ Jojl:yt u/fpg] sfo{sf] yfngl ul/psf] 5. o; sfo{sf] nflu u fxsx?nfo{ ;'/lift cfjf;sf] nflu r]tgf clea[l4 ug]{ / 3/ lgdf{0f dd{tsf] nflu cfjzos kg]{ shf{ a}+sn] ;xh / ;x'lnot?kdf pknaw u/fpb} cfpsf] 5. @)&! cflzjg d;fgt ;Dd s"n $& j6f 3/ lgdf{0f sfo{ ;DkGg epsf] 5. xfjf rnof] ;// 8fF8fsf] j/. d'lqmgfy ;// cfo{ k'uof] ufpf 3/.. d'lqmgfysf] ;// of] s:tf] klxrfg. klxnf] r/0f ;// ;a}nfo{ gd:sf/.. d'lqmgfyn] ;// ;'lawf lbpsf]. ljgflwtf] ;// C0f xfdn] lnpsf].. ufpf zx/df ;// d'lqmgfy 5fof]. dlxnf xfdn] ;// s]xlug]{ lbg cfof].. 3/b}nf]df ;// d'lqmgfy cfof]. cfkm\g} art ;// /fvgnfo{ dg eof].. ann xfdnfo{ ;// hf]; hffu/ cfof]. d'lqmgfyn] ;// hfu?s agfof].. u/f}+ pbd ;// lno{ C0f :jb]z. sf]xl klg ;// ghfpmf x} lab]z.. w]/} 7fpFdf ;// gu/f}+ sf/f]af/. b'o{ xft hf]8l ;// ;a}nfo{ gd:sf/.. s]gb g+=##&* e/tkf]v/l ^, sf:sl n3'ljq 8]:s sfof{no, uuguf}8f
Tfflnd tyf uf]i7l sd{rf/l tflnd tyf uf]i7l d'lqmgfy ljsf; a}+sn] sd{rf/lx?sf] Ifdtf clea[l4 ug{{] p2]zon] lalegg lsl;dsf tflnd tyf uf]i7ldf sd{rf/lx?nfo{ ;xeful u/fpb} cfpsf] 5. @)&! ;fn a}zfvb]lv c;f]h d;fgt;dd ul/psf d'vo sfo{qmdx? o; k sf/ /x]sf 5g\.!_ Habitat for Humanity International Nepal n] ldlt @)&! )!!$ /!% ut] sf7df08f}df cfof]hgf u/]sf] H 2 O Aofusf] k of]u ljlw ;DaGwL k lzifs k lzif0f (TOT) tflnddf o; a}+ssf MIS OsfO{ k d'v >L /fh]gb kf08] ;xeful x'g'epsf] lyof]. Habitat for Humanity International Nepal / d'lqmgfy ljsf; a}+ssf] ;+o'qm cfof]hgfdf ldlt @)&! j}zfv @) ut] æcy{k"0f{ hljgdf nful cfjf;æ egg] ljifodf kf]v/fdf ;~rfng epsf] Signature Campaign df :jo+;]jl sd{rf/l *! hgf / &,%)) hgf AolQmx?n] b:tvt u/l sfo{qmddf PSoj4tf hgfpg' epsf] lyof]. @_ Center for Self-help Development (CSD) n] ldlt @)&! )! @@ b]lv @% ut] ;Dd sf7df08f}df cfof]lht "Credit Appraisal in Microfinance" ;DaGwL tflnddf ;Lldt a}+lsë sfof{no la?jfsf k d'v >L ;Gtf]if kf}8}n, n3'ljq 8]:s sfof{no ledfbsf k d'v >L /fh]z 9sfn ;xeful x'g'epsf] lyof]. #_ Center for Microfinance (CMF) Nepal n] ldlt @)&! )@ @ ut] sf7df08f}df ;~rflnt "USSPM Tools Dissemination and Review Workshop" df dfgj ;+;fwg tyf ;~rfng OsfO{ k d'v >L ljzj/fh l3ld/] / kf]v/f cg'udg clws[t >L gljg Kofs'/]n ;xeful x'g'epsf] lyof]. d]/f] d'lqmgfy oxl? ;fljql e08f/l sfd kfopg l8u L kf; u/]/, e};l kfn5' d'lqmgfydf a;]/, lrgtf dnfo{ /fxt klg oxl, dnfo{ ;fx; klg oxl, d]/f] d'lqmgfy oxl.. zx/b]lv ufpfm;dd lx8\5 /], lagf lwtf] shf{ gl lbg5 /], lrgtf dnfo{ ;fgf] shf{ oxl, dnfo{ 7"nf] shf{ oxl, dnfo{ h] rflxpgl oxl.. ghfp ljb]z oxl aufpf kl;gf, hl6n s'/f agfpf5 dl;gf, lrgtf dnfo{ ljb]z klg oxl, dnfo{ cl3 nfg] oxl, d]/f] ;a}yf]s oxl.. s]xl ug{nfo{ k"fhl g} rflxg5, d'lqmgfydf ;a}shf{ kfog5, lrgtf d]/f] afp eg]gl oxl, d]/f] cfdf klg oxl, dnfo{ Joj;foL agfpg] g} oxl.. pbd u/] sdfog5 wg, ljb]z hfg] gu/f}+ sf]xl dg, lrgtf 5}g s]xl. d]/f] art klg oxl, d]/f] shf{ klg oxl, dnfo{ cl3 nfg] oxl.. lbg5 shf{ Joj;fo ug{nfo{, pbdlnfo{ alp k"fhl 5g{nfO{, lrgtf dnfo{ lagflwtf] oxl, dnfo{ lwtf] klg oxl, dnfo{ h] vf]h]gl oxl.. af; lypg a:g] af; u/fof], b'mv x6\of] ;'vdf /dfof], lrgtf dnfo{ shf{ lbg] oxl, d]/f] b'mv 6fg]{ oxl, d]/f] cffvf vf]ng] oxl.. b'mvl lyp ;a b'mv x/fof], ;asf] cl3 lz/ 7f8f] u/fof], lrgtf d]/f] ;Ddfg klg oxl, dnfo{ OHht klg oxl, dnfo{ ;a}s'/f oxl.. cfpg';\ bfh' lbbl / alxgl, kl/jf/ Ps} 7fpF eog], lrgtf 5}g s]xl. d]/f] pbd klg oxl, d]/f] art klg oxl, d]/f] d'lqmgfy oxl.. n3'ljq 8]:s sfof{no, bdf}nl
$_ d'lqmgfy ljsf; a}+s ln= / Frankfurt School of Finance and Management sf] ;+o'qm cfof]hgfdf ldlt @)&! )@ )( / @)&! )@!# ut] a}+ssf] a}7s sifdf "Introduction to Product Development and Market Research" sfo{qmddf n3'ljq ljefusf ;Dk"0f{ sd{rf/l tyf a}+ssf ;xfos dxfk agws >L ltn axfb'/ u'?ª, shf{ laefu k d'v >L k ]d axfb'/ yfkf / ;~rfng laefu k d'v >L k sfz cof{n ;xeful x'g' epsf] lyof]. %_ d'lqmgfy ljsf; a}+s ln=sf sd{rf/lx?nfo{ ætflnd cfjzostf klxrfgæ ;DaGwL n3'ljq 8]:s sfof{no 5f]/]kf6g, n3'ljq 8]:s sfof{no lrkn]9'ëfdf ul/psf] 5nkmn sfo{qmddf tflnd OsfO{ k d'v >L zld{nf nd;fn ;xeful x'g'epsf] lyof]. ^_ Social Performance Task Force (SPTF) n] ldlt @)&! )@!* b]lv @@ ut] ;Dd Dakar, Senegal df cfof]hgf u/]sf] "SPTF Annual Meeting 2014" df n3'ljq ljefu k d'v >L uf]ljgb axfb'/ /fpt ;xeful x'g'epsf] lyof]. (_ ldlt @)&! ;fn >fj0f!( / @) ut] kf]v/fdf cfof]lht cf=j=@)&) &! sf] æjflif{s ;ldiff tyf ;km\6j]o/ Joj:yfkg tflndæ df ;Dk"0f{ n3'ljq 8]:s ;Lldt a}+lsë sfof{nosf sfof{no k d'v tyf a}+ssf ;~rfns ;dlltsf cwoif, k d'v sfo{sf/l clws[t nufot n3'ljq ljefuaf6 u/l hddf %) hgf ;xeful x'g'epsf] lyof]. Microfinance Council of Philippines Inc (MCPI) lkmlnlkg;sf] ;+of]hgdf @)&! cfiff9 & b]lv!# ut];dd lkmlnlkg;sf] dlgnf l:yt k Voft n3'ljq ;+:yfx? / s]gb Lo a}+s (BSP) sf] cwoog e d0f sfo{qmddf o; a}+ssf k d'v sfo{sf/l clws[t >L e/t/fh 9sfn ;xeful x'g'epsf] lyof].!)_ ldlt @)&! ;fn efb @( / #) ut] kf]v/fdf cfof]lht ælkmn8 Joj:yfkgÆ tflnddf a}+sdf sfo{/t @# hgf lkmn8 sd{rf/lx? ;xeful x'g'epsf] / ;f] tflndsf] ;xhls/0f n3'ljq ljefusf kbflwsf/laf6 ul/psf] lyof].!!_ d'lqmgfy ljsf; a}+s ln= n3'ljq ljefusf] cfof]hgfdf ldlt @)&! ;fn cflzjg! / @ ut] a'6jndf æn]vf tyf lkmn8 Joj:yfkgÆ tflnddf a}+ssf!% hgf n]vfdf sfo{/t sd{rf/lx? ;xeful x'g'epsf] lyof]. ;f] tflndsf] ;xhls/0f n3'ljq ljefusf kbflwsf/lx?n] ug'{epsf] lyof]. &_ d'lqmgfy ljsf; a}+s ln= n3'ljq ljefusf] cfof]hgfdf ldlt @)&! ;fn h]i7 @! / @@ ut] a]ugf; sf:sldf ;DkGg cf=j=@)&! &@ sf] æjflif{s nio tyf ah]6 th'{dfæ uf]i7ldf ljefu tyf n3'ljq 8]:s ;Lldt a}+lsë sfof{no k d'vx? u/l $) hgf ;xeful /xg'epsf] lyof]. *_ km:6{ dfoqmf]kmfogfg; 8]enkd]06 a}+s ln= sf] cfof]hgfdf ldlt @)&! >fj0f!@ /!# ut] ;~rfng epsf] "Training on Accelerating Managerial Skills" tflnddf o; a}+saf6 n3'ljq ljefulo k d'v >L uf]ljgb axfb'/ /fpt ;xeful x'g'epsf] lyof].!@_ d'lqmgfy ;d'bflos ljsf; s]gb (MCDC) af/] Ps lbg] kl/roftds sfo{qmd ldlt @)&! ;fn cflzjg @ ut] a'6jndf t/fo{ e]usf sfof{no k d'vx?sf] ;xefultfdf ;DkGg epsf] lyof]. ;f] sfo{qmdsf] ;xhls/0f n3'ljq ljefu k d'v >L uf]ljgb axfb'/ /fptn] ug'{epsf] lyof].
;b:o tflnd n3'ljq sfo{qmddf cfa4 ljkgg dlxnfx?nfo{ cfˆg} ;Lk / k/l>dn] cftdlge{/ agfo{ cfocfh{g / :j/f]huf/df yk 6]jf k' ofpg ;b:ox?nfo{ tflndsf] ckl/xfo{tf b]lvpsf] 5. @)&! a}zfv b]lv c;f]h d;fgt ;Dd ul/psf d"vo sfo{qmdx? o; k sf/ 5g\.!_ n3'ljq 8]:s sfof{no uuguf}+8fsf] cfof]hgfdf b]p/fnl uf=lj=; sf] xndf ldlt @)&! j}zfv!@ ut] ;~rflnt d}gaql agfpg] tflnddf *& hgf dlxnf ;b:ox? ;xeful x'g'epsf] lyof]. @_ n3'ljq 8]:s sfof{no c3f}{sf] cfof]hgfdf efrf]s cfdf;d"xsf] ejgdf ldlt @)&! j}zfv!* ut] b]lv @) ut] ;Dd ;~rflnt t/sf/l v]tl tflnddf @( hgf dlxnf ;b:ox? ;xeful x'g'epsf] lyof]. %_ n3'ljq 8]:s sfof{no ledfbsf] cfof]hgfdf efg'dlt uf=lj=; j8f g+=^ df /x]sf] jfnljsf;sf] ejgdf ldlt @)&! cflzjg @$ ut] ;~rflnt d}gaql agfpg] tflnddf #( hgf dlxnf ;b:ox? ;xeful x'g'epsf] lyof]. sd{rf/l ;Gt'i6L ;j]{if0f ;DkGg a}+sdf sfo{/t ;Dk"0f{ sd{rf/lx?nfo{ k/]sf] ;d:of, ;]jf ;'ljwf, gllt lgod, Joj:yfkg, sfo{ ;+rfng cflbsf] af/]df cwoog ug{ sd{rf/l ;Gt'i6L ;j]{if0f ul/psf] lyof]. #_ n3'ljq 8]:s sfof{no ledfbsf] cfof]hgfdf ledfb uf=lj=;sf] sfof{no ejgdf ldlt @)&! j}zfv @^ / @& ut] ;Dd ;~rflnt afv fkfng tflnddf #@ hgf dlxnf ;b:ox? ;xeful x'g'epsf] lyof]. u fxs ;Gt'i6L ;j]{if0f ;DkGg d'lqmgfy ljsf; a}+ssf] cfof]hgfdf cfkm\gf] u fxs ;b:ox?nfo{ k bfg u/l/x]sf] ;]jf ;'ljwf / sf/f]af/x? af/] pglx?sf] cfjzostf kl/k"tl{ epsf] 5 sl 5}g egl u fxs ;Gt'i6L ;j]{if0f u/lpsf] lyof]. h;df %() hgf ;b:ox? ;xeful x'g' epsf] lyof]. $_ n3'ljq 8]:s sfof{no rfkfsf]6sf] cfof]hgfdf u+ufnfn prr df=lj= sf] ejgdf ldlt @)&! h]i7 ( /!) ut] ;~rflnt j]df};dl t/sf/l v]tl tflnddf #^ hgf dlxnf ;b:ox? ;xeful x'g'epsf] lyof].
klzrdf~rn ljsf; If]qd} klxnf] k6s ljqlo ;fif/tf tflnd ;DkGg National Banking Institute (NBI), sf7df08f} / d'lqmgfy ljsf; a}+s ln=sf] ;xsfo{df klzrdf~rn ljsf; If]qd} klxnf] k6s ljqlo ;fif/tf (Financial Literacy) ;DaGwL tflnd k bfg ug]{ sfo{sf] z'?jft epsf] 5. klxnf] r/0fdf :ofëhf lhnnfsf] cf?vs{ / km]blvf]nf, sf:sl lhnnf cgt/ut l/7]kfgl / e/tkf]v/l, tgx"f lhnnfsf] /fdsf]6 / b'd;lrf}/df ldlt @)&! ;fn a}zfv @$ ut] b]lv @^ ut] ;Dd ljqlo ;fif/tf ;DaGwL ^ j6f tflnd ;~rfng epsf] lyof]. pqm tflnddf hddf $@$ hgf :yfglosf] ;xefultf /x]sf] lyof]. ljqlo sf/f]af/ af/] hgr]tgf hufpg]], ;'/lift art, shf{ tyf ljk ]if0faf6 k fkt /sdsf] ptkfbgd"ns nufgl, kfl/jfl/s ah]6 tyf of]hgf, hf]lvd Go'lgs/0fsf] nflu aldfsf] k of]u nufotsf] ljifodf r]tgfsf] clea[l4 u/fpg] o; tflndsf] d"vo p2]zo /x]sf] lyof]. ljqlo ;+:yfsf u fxsx?sf] st{ao / clwsf/ tyf Joj;fo jf kl/of]hgfsf] cfdbfgl / vr{sf] n]vfhf]vfnfo{ klg tflndsf] ljifoj:t'df ;dfj]z ul/psf] lyof]. tflndaf6 l;s]sf] 1fgsf] cfwf/df cfufdl lbgdf ljqlo sf/f]jf/ ubf{ s]xl xb;dd ep klg cfkm\gf] :jljj]s / :jlg0f{o ug{ ;Sg] Ifdtfdf al4 epsf] ;xefuln] atfpsf lyp. s]xl ;xeful cfkm" cwoogdf ;fif/ ep klg ljqlo?kdf ;fif/ gepsf] dxz'; u/l tflndnfo{ Jofks?kdf ;+rfng ug{ ;'emfj lbpsf lyp. ;fy{s eof] hljg u5'{ ljgtl hf]8]/ b'a} xft.? hogb]jl If]qL ;w} lxddt a9fo{b]p d'lqmgfy.. ;dfhdf ckfë 3[0ff ef]. 3[0ff egbf emg\ 7"nf] lk8f ef].. clxn] ;Dd sxff lyof} d'lqmgfy. ca dnfo{ lb+b} 5f} ltdln] ;fy.. :ofëhf lhnnfsf] cf?vs{df ;~rfng ul/psf] klxnf] lbgsf] klxnf] tflndsf] pb\3f6g d'lqmgfy ljsf; a}+s ln=sf ;~rfns ;ldltsf ;b:o >L gf/fo0f k ;fb kf}8]nn] ug{'epsf] lyof]. ;f]xl sfo{qmddf d'lqmgfy ljsf; a}+s ln=sf k d'v sfo{sf/l clws[t >L e/t/fh 9sfnn] zx/l tyf a}+lsë kx'fr gk'u]sf u fdl0f tyf ljkgg a:tlx?df ;d]t ljqlo ;fif/tf sfo{qmdnfo{ cleofgsf]?kdf ;~rfng ug{'kg{]df hf]8 lbg'epsf] lyof]. o; tflnddf NBI sf] tkm{af6 >L ;lag g]kfn tyf d'lqmgfy ljsf; a}+s ln=sf sd{rf/l >L vu]gb ltld;gf, >L s[i0f k ;fb /]UdL, >L nidl yfkfsf ;fy} n3'ljq ljefusf ljefulo k d'v >L uf]lagb axfb'/ /fpt tyf tflnd OsfO{ k d'v >L zdl{nf nd;fnn] ;xhls/0f ug{'epsf] lyof]. wgsf] wfs nufpy] l5d]sl. Aoj;foL eo;s] d klg.. b'af] emf/ rf}/df df}nfcf];\. g t lziff g ;'v lyof]. d'lqmgfyn] ;kmntf km}nfcf];\.. d'lqmgfyn] ;xh} C0f lbof].. Aoj;foL agb}5' kf}/vl xftn]. ;fy{s hljg d'lqmgfysf] ;fyn].. s]gb g+= $$@! l;nb'h'/] )(, 5frf]s n3'ljq 8]:s sfof{no, sfx'fvf]nf
n3'ljqn] ;fgf s[ifsx?sf] cfly{s hljgdf kfg{ ;Sg] k efj n3'ljq eggf ;fy ;fgf] ;fgf] ljqlo lqmofsnfk xf] eg]/ a'lemg5. n3'ljq ;]jf cgt/ut ljqlo ;+:yfx?n] ; ;fgf] cfsf/sf ljqlo ;]jfx? k bfg ug]{ ub{5g\. To:tf] ljqlo ;]jfx?df shf{, art, aldf tyf ljk if]0f ;]jf ;d]t kb{5g\.? ljzj/fh l3ld/] g]kfnsf] cy{tgq s[lifdf lge{/ /x]sf] 5. tyflk s[lifsf] ca:yf ;g\!(*) sf] t'ngfdf sdhf]/ x'b} upsf] b]lvg5. ;g\ () sf] bzsdf () k ltzt g]kfnln] s[lif k]zfnfo{ cjndag u/l b]zsf] ;fnfvfnf @) k ltzt hldgdf v]tl ls;fgl ul/gyof]. s[lifn] ^) k ltzt s'n ufx{:y ptkfbgdf / &% lgof{tdf of]ubfg lbgyof]. xfn g]kfndf sl/j @( k ltzt e"efudf v]tl ul/g5 eg] &) k ltzt hgtf s[lifdf lge{/ /x]sf] tyofín] b]vfpsf] 5. u fdl0f e]udf a;f]af; ug]{ *# k ltzt s[ifssf] d'vo cfdbfglsf] >f]t g} s[lif /x]sf] 5. s[lif If]qn] g]kfnsf] s'n ufx{:y ptkfbgsf] #% k ltzt dfq lx:;f cf]u]6]sf] 5. ^) k ltzt ls;fgn] ptkfbg u/]sf] vfbfgg cfkm}nfo{ aif{ e/l vfg k'ub}g. cem} klg v]tl k 0ffnL lgjf{xd"vl /x]sf] 5. tl ls;fgnfo{ cfw'lgs s[lif k ljwl / pggt s[lif 1fgsf] sdl ljbdfg 5. goff goff s[lif k ljwl ckgfo{ v]tl ug{{ vf]hg] ls;fgsf] kof{kt hldg gx'g', epsf] hldgdf klg l;+rfo{sf] ;'ljwf gx'g', ptkflbt a:t' ahf/df k' ofpfbf nfutdf a[l4 x'g' / s[lifsf] cfjzostf cg'?ksf] ljqlo ;]jf pknaw gxf'bf ;fgf ls;fgx?sf] cj:yfdf ;'wf/ cfpg ;s]sf] 5}g. s[lif u0fgfn] b]vfp adf]lhd xfn @@ k ltzt s[ifs;+u s[lif C0f /x]sf] 5 eg] $@ k ltzt ls;fgn] s[lif C0f lng rfx]sf] atfpsf 5g\. n3'ljqsf] ;]jf lj:tf/ ;+u} ljqlo ;+:yfn] t/fo{, kxf8 / lxdfnl e]usf ;xh?kdf k'ug ;lsg] a:tlx?df dfq ;]jf k bfg u/l /x]sf] b]lvg5. b"/b/fhsf u fdl0f If]qdf a;f]af; ug]{, b}lgs hljgofkgsf nflu s[lif k]zfnfo{ g} d'vo cfwf/ agfo{ lgjf{xd'vl s[lif k]zf ckgfpsf s[ifsx?nfo{ pko'qm ljqlo ;]jf lj:tf/ ug{ ;lspsf] 5}g. u fxsx?nfo{ n3'ljq ;]jf cgt/ut art / shf{ ;]jfnfo{ ljz]if hf]8 lbpsf] b]lvg5. u fxsx?nfo{ k bfg ul/g] ljqlo ;]jf cgt/ut s[lif -afnl, t/sf/l, kmnkm"n_ aldf, kz' aldf tyf ljk ]if0f ;]jfsf af/]df klg Tolts} 1fg lbo{ Joj;fosf] hf]lvd Go"lgs/0f u/fpg tkm{ hf]8 lbg'kg]{ 68\sf/f] cfjzostf 5. s[lif k]zfdf ;+nug u fxssf ljqlo cfjzostf n3'ljq ;]jf dfkm{t k'/f ub}{ u fxs;+u bluf] ;+:yfut ;dgjo sfod ug{sf nflu pglx?sf] ;d:of ;dfwfgsf] pkfo vf]hl u/l lbg'kg]{ cfjzostf b]lvg5. n3'ljq ;+:yfx?n] cfkm\gf] ljqlo ;]jfsf] ljljwls/0f, cfjzostf cg';f/sf ljqlo ;]jf, k fljlws ;Nnfx / k/fdz{ k bfg ug]{ tyf ahfl/s/0f ug{ ;3fp k' ofpg jf ;dgjo ug{ u/fpg ;xof]ulsf] e"ldsf ;d]t v]ng' kb{5. æd'lqmgfy ljsf; a}+s ln=sf] $) k ltzt nfef+z d'lqmgfy ljsf; a}+s lnld6]8sf] ;~rfns ;ldltsf] ldlt @)&! efb @( ut]sf] a}7sn] nufglstf{x?nfo{ #* k ltzt af]g; / s/ k of]hgfy{ @ k ltzt gub nfef+z u/l s"n $) k ltzt nfef+z ljt/0f ug{] lg0f{o u/]sf] 5. pqm nfef+zsf] ljt/0f g]kfn /fi6«a}+sn] :jls[t lbo{ cfufdl ;fwf/0f ;efn] lg0f{o u/]kl5 dfq nfu' x'g]5. o; cjlw ;Dd a}+ssf] r'qmf k"fhl #^ s/f]8 &% nfv /x]sf] 5 eg] a}+sn] @% k ltzt xsk b z]o/ hf/l ug{ clgtd r/0fdf /x]sf]5. tt\kzrft a}+ssf] r'qmf k"fhl %( s/f]8 () nfv @% xhf/ x'g]5.
cfhef]ln b]zsf] w]/} h;f] :yfgdf u fdl0f ;8ssf] lj:tf/ e} ;s]sf] 5. ;8ssf] ljsf; Pj+ lj:tf/;+u} u fdl0f e]udf cfjzos j:t'sf] cfk"lt{ zx/ ahf/af6 eo{ /x]sf] 5. t/ u fdl0f e]uaf6 zx/ ahf/ tkm{ lgsf;l ctogt Go"g dfqdf epsf] 5. ufpfsf v]taf/lx? af+lemb} upsf 5g\. u fdl0f e]usf] hgtfdf k/lge{/tf a9\b} upsf] 5. h;/l oftfoft kx"frn] u fdl0f If]qdf cfjzos j:t'sf] cfk"lt{df ;xhtf NofPsf] 5 To;/L u fdl0f If]qsf] s[lif pkhsf] lgof{t zx/l jf ahf/ If]qdf u/fpg ;s]df dfq ;fgf ls;fgsf] cfly{s hljgdf ;sf/ftds kl/jt{gsf ;+s]t b]vf kg]{ lyp. u fdl0f e]unfo{ s[lif ptkfbgsf] lgof{t ug]{ :yn agfpg] sfo{df ljqlo If]qdf lqmofzln ;a} ;+:yfx? nfug] xf] eg] u fdl0f If]qsf] cfly{s ljsf;df cjzo klg 6]jf k'ug] lyof]. u fdl0f hgtfsf] cfly{s :t/ ;'wf/ epdf zx/d'vl a;fo{ ;/fo{df ;d]t Go"gLs/0f x'g hfg] b]lvg5. s[lifnfo{ g} Joj;fosf]?kdf ljsf; ug{ ;s]df :j]bzdf g} /f]huf/lsf] k ;:t cj;/x? l;h{gf ug{ ;lsg] lyof]. xfn}sf lbgdf d'lqmgfy ljsf; a}+sn] ;fgf ls;fgx?nfo{ kl/jlt{t hnjfo' / df};dn] s[lif sfo{df kf/]sf] c;/ / tl ls;fgx?nfo{ ;'xfpfbf] ljqlo ;]jf klxrfg / ljsf; ug{ cg';gwfg sfo{nfo{ cufl8 a9fpsf]5. a}+ssf ;]jfu fxl tyf u}/ ;]jfu fxl ;fgf ls;fgx?sf] 3/b}nf]df uo{ pglx?sf] lgjf{xd'vl s[lif k]zfnfo{ Joj;foLs s[lif k]zfdf?kfgt/0f ug{sf nflu ljljw ljifodf 5nkmn Pj+ cwoog u/l ;fgf ls;fgsf nflu g} eg]/ shf{ ;]jf tof/ ug]{ sfo{nfo{ clgtd?k lbopsf] 5. jf:tljs ls;fgx?sf HjnGt ;d:of / pglx?nfo{ hnjfo' kl/jt{g / df};dn] kf/]sf c;/sf af/]df vf]hl u/l s:tf] k sf/sf] cfly{s, k fljlws ;]jf tyf ahf/ls/0fsf] cfjzostf /x]sf]]5 / pglx?sf] dfu Pj+ rfxgfsf] af/]df hfgsf/l lno{ pko'qm shf{ tyf k fljlws ;]jf k bfg ug]{ ;+/rgfsf] ljsf; ug]{] k of;df nflu/x]]sf]5. n3'ljq ;]jf cgt/utsf] ;;fgf] shf{sf] dfwodaf6 s[ifsnfo{ cfjzos k"fhl pknaw u/fo{ pglx?sf] pbdzlntfdf phf{ ykl lgjf{xd"vl s[lifnfo{ lj:tf/} Joj;flos agfpg ;Sg]5. o; k sf/sf] cwoog u/l ;fgf ls;fgx?sf] nflu tof/ ul/psf] shf{ ;]jfn] u fxsju{sf] cfly{s hljgdf cj:o klg ;sf/ftds k efj kfg]{5. dfgj ;+;fwg tyf ;+rfng OsfO{ k d'v tna tyf cgo ;'ljwfdf a[l4 n3'ljqsdl{x? k fom x/]s dlxgfdf u fxssf] 3/b}nf] ;Dd k'ug] x'gfn] ls;fgsf w]/} h;f] ;d:of / lk/ dsf{;+u kl/lrt x'g5g\. xfn ljzjdf b]lvpsf] hnjfo' tyf df};d kl/jt{gsf] k ToIf df/ ls;fgdf klg k/]sf] 5. xfd f] h:tf] b]zsf ls;fgx?df lziff tyf k fljlws 1fgsf] sdln] ubf{ cfkm"n] ef]u]sf] ;d:ofsf] lg/fs/0f jf hf]lvd Go"gLs/0f s;/l ug{ ;lsg5 egg] af/]df cgle1 5g\. olb n3'ljq If]qdf sfo{ ug]{ sd{rf/lnfo{ s[lif ;DaGwL ;fdfgo hfgsf/l k bfg ug{ ;Sg] xf] eg] pglx?n] hfg]sf] 1fg ;LknfO{ ls;fg ;Dd k'/\ofpg] /fd f] ;+jfxs agg ;Sg] lyp. ls;fgx?n] tof/ u/]sf Joj;fo of]hgfsf] ljzn]if0f ug]{ / cfjzos k fljlws k/fdz{ ;d]t lbg ;Sg] lyp. xfnsf] ahf/ dxful, g]kfn ;/sf/ tyf k lt:kwl{ ;+:yfx?n] u/]sf] sd{rf/l tna a[l4 tyf kl/jt{g, sd{rf/lx?sf] u'gf;f] nufot ;Dk"0f{ ljifox?nfo{ ljzn]if0f u/l a}+sdf sfo{/t sd{rf/lx?sf] dgf]jnnfo{ prr /fvg / sfo{ ;Dkfbgdf u'0f:t/lotf a[l4 ub}{ sfo{ ug{ pt;fx a9fpgsf] lgldq sd{rf/l tna tyf eqf, b}lgs e d0f eqf, lhdd]jf/l jf k jw{gftds eqf, b'u{d eqf, k}bn eqf, ;GWofsflng sfp06/ #^% lbg] a}+lsë eqf, df]jfo{n vr{ ;'ljwf, sd{rf/l ;fk6 ;'ljwf, sd{rf/l b'3{6gf aldf, cf}ifwl pkrf/ aldf, sd{rf/l ;?jf /dfgf ;f]w egf{ ;'ljwf, sd{rf/l k f]t;fxg of]hgf cflb h:tf sd{rf/l ;]jf ;'ljwf @)&! >fj0f! ut]b]lv nfu'x'g]u/l a[l4 / ;+;f]wg ul/psf] 5.
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Unaudited Financial Results (Quarterly) As at 1st Quarter (2071-06-31) of the Fiscal Year 2071/072 S.N. Particulars This Quarter Ending Previous Quarter Ending (Rs. in 000) Corresponding Previous Year Quarter Ending 1 Total Capital & Liabilities (1.1 to 1.8) 6,607,311.37 6,090,472.19 4,815,530.07 1.1 Paid-up Capital 367,500.00 367,500.00 245,000.00 1.2 Call in Advance 44,223.90 39,712.25 1.3 Reserves and Surplus 279,108.77 235,792.22 160,545.00 1.5 Borrowings 85,480.00 98,150.00 236,160.00 1.6 Deposits (a+b) 5,588,195.59 5,197,885.49 3,964,829.03 1.7 Income Tax Liabilities 11,967.64 3,419.32 7,145.29 1.8 Other Liabilities 230,835.47 187,725.16 162,138.50 2 Total Assets (2.1 to 2.7) 6,607,311.37 6,090,472.19 4,815,530.07 2.1 Cash & Bank Balance 481,461.67 387,359.75 341,323.11 2.2 Money at call and short Notice 1,018,266.58 1,075,302.56 922,374.24 2.3 Investments 83,633.47 65,768.94 54,916.83 2.4 Loans & Advances (Gross) (a+b+c+d+e+f) 4,870,923.76 4,440,887.61 3,339,360.44 2.5 Fixed Assets 76,528.62 67,047.86 62,672.40 2.7 Other Assets 76,497.28 54,105.46 94,883.03 3 Profit and Loss Account 3.1 Interest income 182,950.52 613,588.54 134,930.40 3.2 Interest Expense 80,491.56 286,732.48 72,191.42 A Net Interest Income (3.1-3.2) 102,458.95 326,856.06 62,738.98 3.3 Fees Commission and Discount 2,033.34 8,010.29 2,204.88 3.4 Other Operating Income 22,555.97 80,411.91 15,309.50 B Total Operating Income (A+3.3+3.4+3.5) 127,048.26 415,278.25 80,253.36 3.6 Staff Expenses 32,997.50 89,024.79 22,562.05 3.7 Other Operating Expenses 19,821.06 78,231.47 13,154.83 C Operating profit Before Provision (B-3.6-3.7) 74,229.71 248,021.99 44,536.47 3.8 Provision for Possible Loss 6,335.63 17,143.01 5,674.88 D Operating profit (C-3.8) 67,894.07 230,878.99 38,861.59 3.9 Non Operating Income/Expenses (Net) 405.64 7,977.70 4.38 E Profit From Regular Activities (D+3.9+3.10) 68,299.72 238,856.69 38,865.97 F Profit Before Bonus and Taxes (E+3.11) 68,299.72 238,856.69 38,865.97 3.12 Provision For Staff Bonus 6,209.07 21,714.24 3,533.27 3.13 Provision For Tax 18,627.20 65,142.73 10,599.81 G Net Profit/Loss (F-3.12-3.13) 43,463.46 151,999.71 24,732.89 4 Ratios (Mandatory) 4.1 Capital Fund to RWA 12.78% 12.66% 11.85% 4.2 Non Performing Loan (NPL) to Total Loan 0.52% 0.44% 0.68% 4.3 Total Loan Loss Provision to total NPL 271.43% 321.03% 220.10% 4.4 Cost of Funds (LCY) 5.87% 6.19% 7.20% 4.5 CD Ratio (Calculated as per NRB Directives) 77.59% 76.56% 75.81% 4.6 Base Rate 10.92% 10.31% * Loans and investment are presented on gross basis, loss provisions are included on other liabilities. * Previous period figures have been regrouped/rearranged whereever necessary. * Above figures are subject to change upon otherwise instructions of Statutory Auditors and/or Regulatory Authorities. d'lqmgfy bk{0f k sfzg ug{sf nflu tkfo;fu epsf n]v, /rgf, sljtfx?sf] n3'ljq ljefu tflnd OsfO{ xflb{s :jfut ub{5. d'lqmgfy bk{0f ;DaGwdf yk ;Nnfx, ;'emfj / k ltlqmofsf] ck]iff ub{5f}+. k d'v ;Nnfxsf/ M >L e/t/fh 9sfn ;Nnfxsf/ M >L ltn axfb'/ u'?ë k d'v ;Dkfbs M >L uf]ljgb axfb'/ /fpt ;Dkfbs ;+sns M >L zld{nf nd;fn