5
First Microfinance ;dfrf/kq ;dfrf/kq ;dfrf/kq ;dfrf/kq km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln Ps emns Ps emns Ps emns Ps emns -@)&^ c;f/ @)&^ c;f/ @)&^ c;f/ @)&^ c;f/ d;fGt_ d;fGt_ d;fGt_ d;fGt_ qm=;+ qm=;+ qm=;+ qm=;+ ljj/0f ljj/0f ljj/0f ljj/0f ;+Vof ;+Vof ;+Vof ;+Vof ! n3'ljQ ;]jf k'u]sf] lhNnf n3'ljQ ;]jf k'u]sf] lhNnf n3'ljQ ;]jf k'u]sf] lhNnf n3'ljQ ;]jf k'u]sf] lhNnf $^ $^ $^ $^ @ nufgLdf /x]sf] C0f nufgLdf /x]sf] C0f nufgLdf /x]sf] C0f nufgLdf /x]sf] C0f -? s/f]8df_ ? s/f]8df_ ? s/f]8df_ ? s/f]8df_ %%^ %%^ %%^ %%^ # ;fem]bf/ n3'ljQ ;+:yfx? ;fem]bf/ n3'ljQ ;+:yfx? ;fem]bf/ n3'ljQ ;+:yfx? ;fem]bf/ n3'ljQ ;+:yfx? !$% !$% !$% !$% $ shf shf shf shf{ k|bfos { k|bfos { k|bfos { k|bfos a}s tyf ljQLo ;+:yf a}s tyf ljQLo ;+:yf a}s tyf ljQLo ;+:yf a}s tyf ljQLo ;+:yfx? x? x? x? @^ @^ @^ @^ ;~rfns lzIff sfo{qmd ;DkGg ;~rfns lzIff sfo{qmd ;DkGg ;~rfns lzIff sfo{qmd ;DkGg ;~rfns lzIff sfo{qmd ;DkGg km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln=n] @)&^, a}zfv @! ut]sf lbg ! lbj;Lo ;~rfns lzIff sfo{qmd sf7df08f}df ;DkGg u/]sf] 5 . a}s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# Pj+ g]kfn /fi6« a}+s 4f/f æ3Æju{sf n3' ljQ ljQLo ;+:yfx?sf nflu hf/L ul/Psf] lgb]{zgdf Joj:yf ul/P adf]lhd n3'ljQ ljQLo ;+:yfsf ;~rfnsx?sf] sfd, st{Jo, clwsf/ / lhDd]jf/Lsf af/]df cled'lvs/0f tyf k'gtf{huLs/0f u/fpg] p2]Zosf ;fy cfof]hgf ul/Psf] pQm sfo{qmddf km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yfsf cWoIf >L ;'/]Gb|/fh /]UdL nufot ^ hgf ;~rfns tyf Joj:yfkg ;ldltsf % hgf ;lxt s'n !! hgfsf] ;xeflutf /x]sf] lyof] . pQm sfo{qmddf g]kfn /fi6« a}+s, a}+s tyf ljQLo ;+:yf lgodg ljefusf sfo{sf/L lgb]{zs >L gf/fo0f k|;fb kf}8]nn] a}s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# / g]kfn /fi6« a}+s 4f/f Ohfht kq k|fKt æ3Æju{sf n3' ljQ ljQLo ;+:yfx?sf nflu hf/L ul/Psf] lgb]{zgdf Joj:yf eP adf]lhd ;+:yfut ;'zf;g, ;~rfnsx?sf] cfrf/0f tyf ;~rfnsx?n] kfngf ug'{kg]{ ljifodf k|lzIf0f lbg' ePsf] lyof] . ;f]xL cj;/df km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln= sf k|d'v sfo{sf/L clws[t >L e]if/fh kGyLn] s]xL k|d'v ljQLo ;"rssf cfwf/df g]kfnsf] a+}lsË If]q, n3'ljQ ljQLo ;+:yfx? Pj+ km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yfsf] t'ngfTds cj:yfsf] k|:t'tL ug'{ ePsf] lyof] . c+s @! www.fmdb.com.np @)&^ c;f/ o; c+sdf !_ !_ !_ !_ tflnd tflnd tflnd tflnd , ;]ldgf/ nufot cGo , ;]ldgf/ nufot cGo , ;]ldgf/ nufot cGo , ;]ldgf/ nufot cGo ultljwL ultljwL ultljwL ultljwL

First Microfinance ;dfrf/kq Ashar 2076.pdf · First Microfinance ;dfrf/kq km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf lnkm:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln Ps emnsPs emnsPs emns

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Page 1: First Microfinance ;dfrf/kq Ashar 2076.pdf · First Microfinance ;dfrf/kq km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf lnkm:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln Ps emnsPs emnsPs emns

First Microfinance ;dfrf/kq;dfrf/kq;dfrf/kq;dfrf/kq

km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf lnkm:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf lnkm:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf lnkm:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln Ps emnsPs emnsPs emnsPs emns ----@)&^ c;f/@)&^ c;f/@)&^ c;f/@)&^ c;f/ d;fGt_d;fGt_d;fGt_d;fGt_

qm=;+qm=;+qm=;+qm=;+ ljj/0fljj/0fljj/0fljj/0f ;+Vof;+Vof;+Vof;+Vof !!!! n3'ljQ ;]jf k'u]sf] lhNnfn3'ljQ ;]jf k'u]sf] lhNnfn3'ljQ ;]jf k'u]sf] lhNnfn3'ljQ ;]jf k'u]sf] lhNnf $^$^$^$^ @@@@ nufgLdf /x]sf] C0f nufgLdf /x]sf] C0f nufgLdf /x]sf] C0f nufgLdf /x]sf] C0f ----? s/f]8df_? s/f]8df_? s/f]8df_? s/f]8df_ %%^%%^%%^%%^ #### ;fem]bf/ n3'ljQ ;+:yfx?;fem]bf/ n3'ljQ ;+:yfx?;fem]bf/ n3'ljQ ;+:yfx?;fem]bf/ n3'ljQ ;+:yfx? !$%!$%!$%!$% $$$$ shfshfshfshf{ k|bfos{ k|bfos{ k|bfos{ k|bfos a}s tyf ljQLo ;+:yfa}s tyf ljQLo ;+:yfa}s tyf ljQLo ;+:yfa}s tyf ljQLo ;+:yfx?x?x?x? @^@^@^@^

;~rfns lzIff sfo{qmd ;DkGg;~rfns lzIff sfo{qmd ;DkGg;~rfns lzIff sfo{qmd ;DkGg;~rfns lzIff sfo{qmd ;DkGg

km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln=n] @)&^, a}zfv @! ut]sf lbg ! lbj;Lo ;~rfns lzIff sfo{qmd sf7df08f}df ;DkGg u/]sf] 5 . a}s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# Pj+ g]kfn /fi6« a}+s 4f/f æ3Æju{sf n3' ljQ ljQLo ;+:yfx?sf nflu hf/L ul/Psf] lgb]{zgdf Joj:yf ul/P adf]lhd n3'ljQ ljQLo ;+:yfsf ;~rfnsx?sf] sfd, st{Jo, clwsf/ / lhDd]jf/Lsf af/]df cled'lvs/0f tyf k'gtf{huLs/0f u/fpg] p2]Zosf ;fy cfof]hgf ul/Psf] pQm sfo{qmddf km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yfsf cWoIf >L ;'/]Gb|/fh /]UdL nufot ^ hgf ;~rfns tyf Joj:yfkg ;ldltsf % hgf ;lxt s'n !! hgfsf] ;xeflutf /x]sf] lyof] . pQm sfo{qmddf g]kfn /fi6«« a}+s, a}+s tyf ljQLo ;+:yf lgodg ljefusf sfo{sf/L lgb]{zs >L gf/fo0f k|;fb kf}8]nn] a}s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# / g]kfn /fi6« a}+s 4f/f Ohfht kq k|fKt æ3Æju{sf n3' ljQ ljQLo ;+:yfx?sf nflu hf/L ul/Psf] lgb]{zgdf Joj:yf

eP adf]lhd ;+:yfut ;'zf;g, ;~rfnsx?sf] cfrf/0f tyf ;~rfnsx?n] kfngf ug'{kg]{ ljifodf k|lzIf0f lbg' ePsf] lyof] . ;f]xL cj;/df km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln= sf k|d'v sfo{sf/L clws[t >L e]if/fh kGyLn] s]xL k|d'v ljQLo ;"rssf cfwf/df g]kfnsf] a+}lsË If]q, n3'ljQ ljQLo ;+:yfx? Pj+ km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yfsf] t'ngfTds cj:yfsf] k|:t'tL ug'{ ePsf] lyof] .

c+s @! www.fmdb.com.np @)&^ c;f/

o; c+sdf !_!_!_!_ tflndtflndtflndtflnd , ;]ldgf/ nufot cGo, ;]ldgf/ nufot cGo, ;]ldgf/ nufot cGo, ;]ldgf/ nufot cGo ultljwLultljwLultljwLultljwL

Page 2: First Microfinance ;dfrf/kq Ashar 2076.pdf · First Microfinance ;dfrf/kq km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf lnkm:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln Ps emnsPs emnsPs emns

O{jfxfË ;~rfnsdf lgo'QmO{jfxfË ;~rfnsdf lgo'QmO{jfxfË ;~rfnsdf lgo'QmO{jfxfË ;~rfnsdf lgo'Qm

km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln=sf] ;~rfnsdf >L 1fg]Gb| O{jfxfª lgo'Qm x'g' ePsf] 5 . ;+:yfsf] ;~rfns ;ldltsf] !%@ cf}+ a}7ssf] lg0f{o cg';f/ ;j{;fw/0f ;d"x ævÆ jf6 k|ltlglwTj ug]{ ;~rfnssf] l/Qm :yfgdf cfufdL

;fwf/0f ;efjf6 cg'df]bg ug]{ u/L ;~rfns kbsf] afFsL cjwLsf nflu pxfF ;~rfns kbdf lgo'Qm x'g' ePsf] xf] . ;j{;fw/0f ;d"xsf] z]o/wgL uf]vf{h kmfOgfG; lnld6]8sf] k|ltlglwsf ?kdf pxfF ;~rfns kbdf lgo'Qm x'g' ePsf] 5 .

n3'ljQ ;+:yfx?nfO{n3'ljQ ;+:yfx?nfO{n3'ljQ ;+:yfx?nfO{n3'ljQ ;+:yfx?nfO{ NRB Reporting ;DaGwL;DaGwL;DaGwL;DaGwL tflndtflndtflndtflnd

km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln=1fg]Zj/ sf7df08f}n] ljQLo dWo:ytfsf] sfo{ ug]{ u}/ ;/sf/L ;+:yfjf6 xfn;fn} g]kfn /fi6« a}+saf6 Ohfht kq k|fKt æ3Æ ju{sf] n3'ljQ ljQLo ;+:yfdf ?kfGt/0f ePsf cfkm\gf ;fem]bf/ n3'ljQ ljQLo ;+:yfx? tyf gofF n3'ljQ ljQLo

;+:yfx?sf nflu Ps lbj;Lo NRB

Reporting for MFIs ljifosljifosljifosljifos tflnd olx @)&^.@.# ut]sf lbg sf7df08f}df cfof]hgf u/]sf] lyof] .

n3'ljQ ljQLo ;+:yfx?n] g]kfn /fi6« a}sdf k]z ug'{kg]{ tYofÍ ;DaGwL ljj/0f -k|ltj]bg_ tof/ ubf{ k|i6 gePsf tyf b'ljwf ePsf ljifox?nfO{ k|i6 kfg]{ p2]Zosf ;fy cfof]hgf ul/Psf] pQm tflnddf km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yfsf ;fem]bf/ ;+:yfx? dWo] #$ n3'ljQ ljQLo ;+:yfjf6 #* hgfsf] ;xeflutf /x]sf] lyof] . pQm tflndnfO{ g]kfn /fi6« a}s n3'ljQ k|j4{g tyf ;'kl/j]If0f ljefusf ;xfos lgb]{zs åo >L /]zd

axfb'/ aN5\of}8L / lbg]z k|;fb e08f/Ln] ;xlhs/0f ug'{ePsf] lyof] . pQm tflndsf ;xefuL tyf ;|f]t JolQmnfO{ km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln=sf k|d'v sfo{sf/L clws[t >L e]if/fh kGyLn] :jfut ub}{ sfo{qmdsf] p2]Zo dfyL k|sfz kfg'{ ePsf] lyof] . ;xefuLx?sf] tkm{jf6 tflndsf] d"NofÍg ug]{ qmddf /fdf/f]zg n3'ljQ ljQLo ;+:yf ln= c5fdsf ldg k|;fb hf]zLn] tflnd ;d;fdlos / gofF n3'ljQ ljQLo ;+:yfx?sf] cfjZostfnfO{ xn ug]{ ePsfn] pknAwLd"ns /x]sf] atfpg' ePsf] lyof] . ;f]xL cj;/df dGtJo /fVb} g]kfn /fi6« a}s n3'ljQ k|j4{g tyf ;'kl/j]If0f ljefusf ;xfos lgb]{zs >L /]zd axfb'/ aN5\of}nf]n] o; k|sf/sf] sfo{qmd cfof]hgf u/]sf]df km:6{ dfOqmf]kmfOgfG;nfO{ wGojfb lbb} n3'ljQ If]qsf] k|ltj]bgsf] z'4tfsf nflu sfo{qmdn] ;xof]u k'Ug] ljrf/ /fVg' ePsf] lyof] . sfo{qmdsf] cGTodf km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln= sf=d'= gfoa k|d'v sfo{sf/L clws[t >L bfg/fh kGtn] sfo{qmdsf ;|f]t JolQmx?nfO{ pTs[i6 ;xlhs/0f / ;xefuLx?nfO{ ;lqmo ;xefuLtfsf nflu wGojfb lbg' ePsf] lyof] .

Page 3: First Microfinance ;dfrf/kq Ashar 2076.pdf · First Microfinance ;dfrf/kq km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf lnkm:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln Ps emnsPs emnsPs emns

n3'ljQdf Pn3'ljQdf Pn3'ljQdf Pn3'ljQdf Plslslslss/0fsfs/0fsfs/0fsfs/0fsf] k|f?k tyf b[li6sf]0f ] k|f?k tyf b[li6sf]0f ] k|f?k tyf b[li6sf]0f ] k|f?k tyf b[li6sf]0f ljifos sfo{zfnf ljifos sfo{zfnf ljifos sfo{zfnf ljifos sfo{zfnf

km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln=1fg]Zj/ sf7df08f}sf] cfly{s ;xof]u tyf g]kfn n3'ljQ a}s;{ ;+3sf] cfof]hgfdf ! lbj;Lo sfo{zfnf uf]li7 @)&^.#.!@ut]sf lbg sf7df08f}df ;DkGg ePsf] 5 .

g]kfn /fi6« a}sn] a}s tyf ljQLo ;+:yfx/nfO{ dh{df hfg k|]l/t ul//x]sf] ;Gbe{df n3'ljQ ljQLo ;+:yfx?sf] dh{sf nflu Plss/0fsf] k|f?k tyf b[li6sf]0f klxrfg ug{sf nflu pQm uf]li7 cfof]hgf ul/Psf] lyof] . pQm uf]li7sf] pb\3f6g ;qdf dGtJo /fVg] qmddf g]kfn /fi6« a}s, a}s tyf ljQLo ;+:yf lgodg ljefusf sfo{sf/L lgb]{zs

>L ad axfb'/ ld>n] v]tdf ;dfn] kfgL vf]n]/ v]tdf kfgL hDg glbP h:t}} g]kfn /fi6« a}sn] klg a}+s tyf ljQLo ;+:yfx?sf] dh{sf nflu ;df vf]Ng] sfo{ ug{ nfu]sf] atfpg' ePsf] lyof] . dGtJos} qmddf g]kfn /fi6« a}s n3'ljQ k|j4{g tyf ;'kl/j]If0f ljefusf sfo{sf/L lgb]{zs 8f= k|sfz >]i7n] g]kfnsf] n3'ljQ If]qdf ;+:yfut ;'zf;g sfod u/L lbuf] ljQLo ;]jf k|bfg ug{sf nflu ;Ifd÷alnof ;+:yfx:sf] cfjZostf /x]sfn] n3'ljQ ljQLo ;+:yfx? Ps cfk;df ufEg]÷ufleg] k|s[ofdf hfg' kg]{df hf]8 lbg' ePsf] lyof] .

pQm cj;df b'a} sfo{sf/L lgb]{zsn] uf]li7jf6 lg:s]sf] lg:sif{nfO{ g]kfn /fi6« a}+sdf ;d]t k7fOlbg lgb]{zg lbg' ePsf] lyof] .

cGt/fcGt/fcGt/fcGt/f{{ {{li6«o tflnd tyf e|d0fdf ;xeflutfli6«o tflnd tyf e|d0fdf ;xeflutfli6«o tflnd tyf e|d0fdf ;xeflutfli6«o tflnd tyf e|d0fdf ;xeflutf

=ASIA PACIFIC RURAL AND

AGRICULTURAL CREDIT ASSOCIATION

(APRACA) / JAPAN FINANCE

CORPORATION (JFC) sf] ;+o'Qm cfof]hgfdf ;g\ @)!( h'g ^ / & tfl/vdf hfkfgsf] 6f]lsof]df ;~rflnt APRACA- JFC Policy

Forum and 71st EXOM of APRACA

sfo{qmddf km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln= sf k|d'v sfo{sf/L clws[t >L e]if/fh kGyLn] ;xeflutf hgfpg' ePsf] lyof] .

pQm sfo{qmdsf] "Resilience against

Climatic Shocks: Role of Financial

Institutions" ;];gsf] df]8{/]6/sf] ?kdf g]kfn /fi6« a}ssf 8]k'6L ueg{/ >L lzj/fh

Page 4: First Microfinance ;dfrf/kq Ashar 2076.pdf · First Microfinance ;dfrf/kq km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf lnkm:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln Ps emnsPs emnsPs emns

>]i7 /xg' ePsf] lyof] . pQm sfo{qmddf g]kfn n3'ljQ a}+s;{ ;+3sf pkfWoIf >L k|sfz /fh zdf{ / dxf;lrj >L a;Gt nD;fn ;lxt * ;b:oLo g]kfnL 6f]nLsf]

;xeflutf /x]sf] lyof] . pQm sfo{qmddf Plzof Kofl;lkms If]qsf !$ b]zsf &) hgfsf] ;xeflutf /x]sf] lyof] .

km:6{ dfOqmf]kmfOgfkm:6{ dfOqmf]kmfOgfkm:6{ dfOqmf]kmfOgfkm:6{ dfOqmf]kmfOgfG;sf ultljwL ;DaGwL G;sf ultljwL ;DaGwL G;sf ultljwL ;DaGwL G;sf ultljwL ;DaGwL emnsx?emnsx?emnsx?emnsx?

NRB Reporting tflnddf ;xefuLx?

k|of]ufTds cEof;df, ;xefuLx?nfO{ ;xhLs/0f ub}{ g]kfn /fi6« a}+ssf clws[t 4o /]zd axfb'/ aN5\of}8L / lbg]z k|;fb e08f/L

NRB Reporting tflnddf ;xefuLx?nfO{

k|df0fkq ljt/0f ub}{ km:6{ dfOqmf]kmfOgfG;sf k|d'v sfo{sf/L clws[t >L e]if/fh kGyL

km:6{ dfOqmf]kmfOgfG;sf] ;~rfns lzIff sfo{qmddf ;~rfns ;ldlt tyf Joj:yfkg ;ldltsf kbflwsf/L

;~rfns lzIff sfo{qmddf ;+:yfsf] ultljwL dfyL k|sfz kfb}{ km:6{ dfOqmf]kmfOgfG;sf k|d'v sfo{sf/L clws[t >L e]if/fh kGyL

Page 5: First Microfinance ;dfrf/kq Ashar 2076.pdf · First Microfinance ;dfrf/kq km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf lnkm:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yf ln Ps emnsPs emnsPs emns

APRACAsf] ;fwf/0f ;efdf ;xefuL x'b} k|d'v sfo{sf/L clws[t >L e]if/fh kGyL ;fydf g]kfn n3'ljQ a}+s;{ ;+3sf kbflwsf/L

;fem]bf/ ;+:yf ;xf/f g]kfn ;fsf];sf] s]Gb| lg/LIf0fdf km:6{ dfOqmf]kmfOgfG;sf sd{rf/L >L b]j/fh g]kfn / lx/fd0fL l;Njfn

km:6{ dfOqmf]kmfOgfG;sf lgjt{dfg ;~rfns >L k]|d;fu/ gflktsf] ljbfO{ sfo{qmddf dfofsf] lrgf] k|bfg ub}{ km:6{ dfOqmf]kmfOgfG;sf cWoIf >L ;'/]Gb| /fh /]UdL