:jfjnDag n3'ljQ ljQLo ;+:yf ln= åf/f k|sflzt q}dfl;s a'n]l6g . @)&% c;f]h

ljQLo ;+:yfsf yk kfFr zfvf lj:tf/, zfvf ;+Vof !@* k'Uof]:jfjnDag n3'ljQ ljQLo ;+:yf ln=n] rfn' cfly{s jif{df yk kfFrj6f zfvf sfof{no lj:tf/ u/]sf] 5 . ;fdflhs–cfly{s ?kdflk5l8Psf] ju{nfO{ n3'shf{, art tyf cGo ljQLo tyf u}/ ljQLo;]jfsf] dfWodaf6 pgLx?sf] cfocfh{gdf j[l4 u/L cfo:t/ a[l4df;xof]u k'¥ofpg] p2]Zon] ljQLo ;+:yfn] zfvf lj:tf/ ub}{ cfPsf] 5 .

ljQLo kxFr clej[l4sf] l;4fGtnfO{ c+lusf/ ub}{ ljQLo ;+:yfn] rfn'cf=j=df ?kGb]xL lhNnfsf] ltnf]Qdf, af/f lhNnfsf] al/of/k'/, /f}tx6lhNnfsf] rGb|k'/, ;nf{xL lhNnfsf] dn+ujf / dxf]Q/L lhNnfsf]anjfdf Ps Ps gofF zfvf :yfkgf u/]sf] 5 . yk zfvf lj:tf/kl5 ljQLo ;+:yfsf %& lhNnfdf !@* zfvf k'u]sf 5g .

ljQLo ;+:yfsf /f}tx6sf] rGb|k'/ / af/fsf] al/of/k'/df !@$ cf}+ /!@% cf}+ pkzfvf ut c;f]h & ut] Ps sfo{qmd aLr pb\3f6g ePsf] 5 .

pkzfvf sfof{norGb|k'/sf] pb\3f6gug'{x'b} /f}tx6sfk |d 'v lhNnfclwsf/L uf]ljGbk|;fb l/hfnn]ljQLo kx ' Frclej [ l4 ug {

:jfjnDagn] cfkm\gf] zfvf sfof{nox? rGb|k'/df lj:tf/ u/]sf]dfk|z+;f ug'{eof] . g]kfn ;/sf/sf] p2]Zo cg';f/ :jfjnDag n3'ljQljQLo ;+:yfn] ufpF ufpFdf cf}krfl/sf ?kdf ljQLo ;]jf k'¥ofpg]nIo lnPsf]n] klg cfly{s ultljlwdf j[l4 eO{ :yfgLo hgtfx?sf]hLjg:t/ dfly p7\g] atfpg'eof] . ;+:yfn] b]zsf cGo :yfgdf klg;]jf lj:tf/ u/L gful/ssf] hLjg :t/ ;'wf/df ;xof]u k'¥ofPsf]

!@$ cf}+ / !@% cf}+ pkzfvf pb\3f6g

atfpg'eof] . pkzfvfsfof {no pb\3f6gk|d'v lhNnf clwsf/L,k|b]z ;ef ;b:owgnfn yf ]s/ /ljQLo ;+:yfsf k|d'vsfo{sf/L clws[tef]h/fh a:ofnn];+o'Qm ?kdf ug'{eof] . To;}u/L, pkzfvf sfof{no al/of/k'/ sf]pb\3f6g dxfu9LdfO{ gu/kflnsfsf pkd]o/ tf/fb]jL sfg', k|zf;lsoclws[t cldtf ah|frfo{ / k|d'v sfo{sf/L clws[t ef]h/fh a:ofn];+o'Qm ?kdf ug'{eof] . pb\3f6g sfo{qmdsf] z'ef/De u9LdfO{dlGb/ ;ldltsf d'Vo k'hf/L d+un rf}w/Ln] bLof] afn]/ ug'{eof] .;df/f]xdf pkd]o/ sfg'n] ljgf lwtf]df ;–;fgf] shf{ pknAw u/fO{ cfocfh{gdf ;xof]u k'¥ofpg ljQLo ;+:yf cfPsf]n] To;sf] e/k'/pkof]u ug{ :yfgLo afl;GbfnfO{ cfu|x ug'{eof] . To:t} k|zf;lsoclws[t ah|frfo{n] ljQLo ;+:yfaf6 shf{ lnP/ cfTdlge{/ aGgcg'/f]w ug'{eof] . ljQLo ;+:yf ufpF ufpFdf cfP/ ;]jf lbg':yfgLosf] nflu v';Lsf] s'/f ePsf] atfpg'eof] . pkzfvfsfof{nodf cfj4 ;b:o a;'Gw/f u}/]n] ljQLo ;+:yfsf] pkl:yltn]cfly{s ultljlw a9\g] / o;df ;a}n] ;fy lbO{ cuf8L a9\g'kg]{dfhf]8 lbg'eof] . :yfgLo :t/sf] dx+uf] Jofhb/af6 ca 5'6sf/f;d]t kfpg] / dx+uf] Jofhb/df shf{ lng'kg]{ afWotf ca g/x]gljZjf; JoQm ug'{eof] .

:yfgLo ;d'bfon] ljQLo ;+:yfsf] pkl:yltn] pT;fxL x'b} cfly{s ultljlwdf6]jf k'¥ofpg cfPsf]df :jfjnDagnfO{ xflb{s :jfut u/]sf lyP . b'a}pb\3f6g ;df/f]xdf :yfgLo hgk|ltlglw, ;'/Iff lgsfo, ljBfyL{ tyf :yfgLogful/s, ljQLo ;+:yfsf sd{rf/Lx?sf] ;xefuLtf /x]sf] lyof] .

ljhof bzdL, z'e bLkfjnL, 57kj{ @)&% Pj+ g]kfn ;Dat\ !!#( sf] xflb{s d+undo z'esfdgf JoQm ub{5f}+ .

:jfjnDag n3'ljQ ljQLo ;+:yf ln=kl/jf/

!

zfvf sfof{no lj/f6gu/4f/f pBdzLntf ljsf; tflndsf] cfof]hgf

zfvf sfof{no lj/f6gu/, df]/Ë4f/f sfo{qmddf cfj4 u|fxs;b:ox?nfO{ cfo cfh{gdf ;+nUg u/fO{ :jfjnDaL agfpg] p2]Zon]pBdzLntf ljsf; tflndsf] cfof]hgf u/]sf] 5 . zfvf sfof{non]ljleGg s]Gb|sf @^ hgf u|fxs ;b:onfO{ @)&% c;f/ @( ut] w'nf];fa'g agfpg] tflnd k|bfg u/]sf] xf] .

tflnd sfo{qmdsf] p2]Zo af/] k|i6 kfb}{ sfo{qmdsf ;+of]hs zfvfk|aGws >L l8NnL axfb'/ a:g]tn] cfly{s ;DkGgtfsf nflupBdzLntf ljsf; ;DaGwL 1fg x'g' clgjfo{ /x]sf] atfpg'eof];Lk x'g] JolQmnfO{ ljkGgtfn] 3]g{ g;Sg] pxfFsf] wf/0ff lyof] .ljQLo ;+:yfn] :yfkgfsfnb]lv g} sfo{qmddf cfj4 u|fxs;b:ox?nfO{ Joj;fod'ns s[ofsnfkdf ;+nUg x'g ljleGg lsl;dsfpBdzLntf ljsf; tflnd pknAw u/fpb} cfPsf ] 5 .

tflnd sfo{qmdsf k|lzIfs rGb]Zj/ sfdtn] :jfjnDag zJbsf]cy{ af/] ;xefuLx?nfO{ k|i6 kfb}{ ljQLo ;+:yfsf] gfd h:t} sfdklg To:t} /x]sf] wf/0ff /fVg'eof] . pxfFn] tflnd kZrft Joj;fodf;+nUg ePdf dfq ljQLo ;+:yfsf] tflnd sfo{qmdsf] p2]Zo /k|lzIfssf] ?kdf cfkm' ;kmn ePsf] 7x/ x'g] wf/0ff /fVg'eof] .

tflnd sfo{qmd ;dfkgsf] qmddf zfvf k| |aGws a:g]tn];xefuLx?nfO{ sfo{qmddf ;lqmotf k'j{s ;xefuL eO{ tflndsfo{qmd ;kmntfk'j{s ;DkGg ug{ ;xof]u ug'{ePsf]df ;a}nfO{wGojfb lbb} Joj;fodf ;+nUg eO{ qmdzM cfly{s ljkGgtfaf6;DkGgtf tkm{, k/lge{/tfaf6 cfTdlge{/tf tkm{ pGd'v ePsf] x]g{

ljQLo ;+:yf / zfvf sfof{no lj/f6gu/ rfx]sf] atfpg'eof] .

ljBfyL{nfO{ z}lIfs ;fdu|L tyf ljBfnonfO{ cfly{s ;xof]u ljt/0f

:jfjnDag n3'ljQ ljQLo ;+:yf ln=zfvf sfof{no wf/fkfgL, wg'iffn]d'nfjf/L l:yt :yfgLo ljBfno >L pRr dfWolds k|fljlws tyfJoj;flos ljBfnodf cWoog/t ! sIffb]lv % sIff;Ddsf %!hgf 5fq5fqfnfO{ z}lIfs ;fdu|L ljt/0f u/]sf] 5 .

Ps sfo{qmdsf] cfof]hgf u/L zfvf sfof{non] cfly{s cj:yf sdhf]/ePsf k|To]s 5fq5fqfx?nfO{ Ps yfg emf]nf, snd, sfkL / cf}hf/ aS;ljt/0f u/]sf] xf] . sfo{qmdsf ;efklt tyf ljBfnosf cWoIf >L nIdLgf/fo0f d08nn] o; k|sf/sf] ;xof]u u/]sf]df ljQLo ;+:yfnfO{ wGoafblbg' ePsf] lyof] . k|d'v cltly tyf wg'iff wfd gu/kflnsf–( sfj8fcWoIf >L ;+hLj s'df/ ofbjn] ljQLo ;+:yfn] ul/jL Go"lgs/0f tyf

;d'bfo ljsf;sf ;fy} o; k|sf/sf] ;fdflhs sfo{ ;d]t u/]sf]n];dfhdf 7"nf] of]ubfg k'¥ofPsf] atfpg'eof] . z}lIfs ;fdu|L k|fKt u/]kl5 ljBfyL{x? n] cfkm'df pT;fx yk ePsf] atfPsf lyP eg] ljBfyL{sfcleefjs tyf cGo ;xefuLx?n] ljQLo ;+:yfsf] ;fdflhs sfo{sf]k|z+;f u/]sf lyP . sfo{qmddf zfvf k|aGws >L uf]ljGb sfkm\n]n] ljQLo;+:yfn] 5fq5fqfnfO{ z}lIfs ;fdu|L ljt/0f ug{ kfPsf]df v';L JoQm ub}{;+:yfsf] p2]Zo cg';f/ n3' ljQLo ;]jfsf] dfWodaf6 ul/jL Go"lgs/0fsf ;fy};fdflhs ljsf;df 6]jf k'¥ofpg ;b}j ;+:yf tTk/ /x]sf] atfpg'eof] .

To;}u/L, zfvf sfof{no ledkm]bL, dsjfgk'/n] :yfgLo >L dx]Gb|dfWolds ljBfnonfO{ k|fljlws lzIff ;+rfngsf nflu gub ?=% xhf/% ;o krkGg ;xof]u pknAw u/fPsf] 5 . pQm ljBfnodf ljQLo;+:yfdf cfj4 u|fxs ;b:osf 5f]/f5f]/Lx? cWoog/t 5g .

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zfvf sfof{no lxn]åf/f lgMz'Ns :jf:Yo lzlj/sf] cfof]hgfwgs'6f lhNnf l:yt zfvf sfof {no lxn]n] lgMz'Ns :jf:Yolzlj/sf] cfof]hgf u/]sf] 5 . lj/f6gu/ l:yt gf]a]n d]l8snsn]hsf] k |fljlws ;xof]udf ;+rflnt lzlj/ @)&% c;f]h!# ut] :yfgLo gLnlu/L af]l8{ª :s'n, lxn]sf] k|f+u0fdf ;+rfngePsf] xf ] . pQm lzlj/af6 wgs'6f lhNnf nufot ;+v'jf;eflhNnfsf d'8] / zlg:r/] ufpFkflnsf / t ]x |y 'd lhNnfsf]nflnu'/f F; gu/kflnsfsf afl;Gbf ;d]t nfeflGjt ePsflyP . lzlj/df %(@ hgfn] :jf:Yo kl/If0f u/fPsf lyP .lzlj/df hg/n d]l8l;g, k|;'tL tyf :qL /f ]u, afn /f ]u,zNolqmof, dfgl;s /f]u, xf8hf]gL { tyf gzf /f ]u, 5fnftyf of}g /f ]u, gfs, sfg, 3fF6L /f ]u, cfFvf kl/If0f, bGt ;]jf, lel8of] PS;/], O;LhL tyf Nofa 6]:6 ;DaGwL ;]jf gf]a]n

d]l8sn sn]hsf 8fS6/af6 pknAw u/fO{Psf] lyof ] .

n3'ljQdf zfvf Joj:yfkg tflnd ;DkGg

:jfjnDag n3'ljQ ljQLo ;+:yf ln= cGt/utsf zfvf sfof{nox?df sfo{/tsfof{no k|d'v x?sf] nflu s]Gb|Lo sfof{non] >fj0f @@ ut]b]lv @% ut];Dd rf/lbg] n3'ljQdf zfvf Joj:yfkg tflndsf] cfof]hgf u/]sf] 5 .

n3'ljQ If]qdf b]lvPsf ;d:of, ca;/ / r'gf}tLx? zfvf :t/dfs]Gb|Lt u/L k|efjsf/L ?kdf zfvf Joj:yfkg ug{ ;xof]u k'¥ofpg /JolQmut a[lQ ljsf;df ;d]t ;sf/fTds k|efj kfg]{ p2]Zon] cfof]hgfu/]sf] tflnddf n3'ljQ ;+rfngdf b]lvPsf r'gf}tL / To;sf]

lg/fs/0fsf pkfo, u|fxs ;+/If0fsf l;4fGt, zfvf k|aGwssf sfd/ st{Jo tyf lhDd]jf/L, ljQLo ljZn]if0f, shf{ hf]lvd Joj:yfkg,pTkfbsTj clej[l4 nufot n3'ljQdf lgofds lgsfosf] lgodgk|fjwfg ;DaGwL hfgsf/L lbg] / ;xefuLsf] sfo{ sf}zntfdfk|efjsf/Ltf Nofpg] p2]Zo /x]sf lyP .

tflnddf n3'ljQsf gLlt lgdf{tf, lj1 tyf cfGtl/s >f]tJolQmaf6ljleGg ;qx? ;+rfng ePsf lyP . tflnd sfo{qmdsf] ;dfkg;df/f]xdf ;xefuLx?nfO{ awfO{ / ;xefuLtfsf] k|df0fkq ljt/0fug'{x'b} k|d'v sfo{sf/L clws[t ef]h/fh a:ofnn] eGg'eof], …sfof{nodfzfvf k|aGwsn] lhDd]jf/Lk"0f{ e'ldsf lgjf{x ug'{kg]{ ePsf]n] pgLx?n]ljleGg r'gf}ltx?sf] ;fdgf Joxf]g'{kg]{ x'G5 . To;sf afjh't klgsfof{nosf] /fd|f] kl/0ffd lgsfNg'kg]{ x'G5 . To;sf/0f pgLx?nfO{Joj:yfkg ;DaGwdf /fd|f] bVvn x'g' cfjZos 5 .Ú pxfFn] ;xefuL,>f]tJolQm ;fy} ;a} ;xhstf{x?nfO{ wGoafb lbb} o; k|sf/sftflnd sfo{qmdaf6 zfvf k|aGwsx? nfeflGjt x'g] ljZjf; lng'eof]. zfvf k|aGwsx?n] tflndsf] cg'ej ;'gfpb} b}lgs ?kdf ;Dkfbgub}{ cfPsf] sfo{nfO{ yk k|efjsf/L ?kdf Joj:yfkg ug{ ljleGgljifox? hfGg], l;Sg] df}sf kfPsf] atfpg'eof] .

n3'ljQ Joj:yfkg tflnd ;DkGg

:jfjnDag n3'ljQ ljQLo ;+:yf ln= s]Gb|Lo sfof{non] efb| @&ut]b]lv @( ut];Dd tLg lbg] n3'ljQ Joj:yfkg tflndsf] cfof]hgfu/]sf] 5 .

ljQLo ;+:yfsf] sfo{qmdnfO{ zfvf÷pkzfvf sfof{nox?df sfo{/t;xfos :t/Lo sd{rf/Lx?af6 yk k|efjsf/L ?kdf ;+rfng ug{

;xof]u k'¥ofpg, shf{ Joj:yfkg ;DaGwL yk 1fg xfl;n u/fpg,sfof{nosf] lgoldt sfo{;Dkfbg Ifdtf ljsf; ug{ / n3'ljQsfo{qmddf b]lvPsf ;d:of / ;dfwfgsf pkofx? ;fy} xfnsfof{Gjogdf cfPsf] u|fxs ;b:on] lnPsf] shf{sf] aLdf, ljleGghf]lvd Joj:yfkg tyf xfnsf] ;km\6j]o/ ;+rfng ;DaGwdf cautu/fpg] p2]Zon] tflndsf] cfof]hgf ul/Psf] xf] .

tflnddf ljleGg zfvf÷pkzfvf sfof{noaf6 #) hgf ;xfossd{rf/Lx?sf] ;xefuLtf /x]sf] lyof] . tflnd sfo{qmd ;dfkgtyf k|df0fkq ljt/0f ug'{x'b} ljQLo ;+:yfsf k|d'v sfo{sf/L clws[tef]h/fh a:ofnn] o; k|sf/sf tflndn] b}lgs ?kdf ;Dkfbg ub}{cfPsf] sfddf ;xefuLn] yk l;Sg] / hfgsf/L lng ;Sg] ;fy}cfTdljZjf;df ;d]t j[l4 x'g] ljZjf; JoQm ug'{eof] . ;xefuLx?n]o; k|sf/sf] tflnd cfof]hgf u/L ;xefuLx'g] df}sf lbPsf]dfs]Gb|Lo sfof{nonfO{ wGoafb lbb} tflndaf6 ;}4flGts / Jojxfl/s1fg k|fKt ug{ kfPsf]df v'l; JoQm ug'{eof] . #

@)&% c;f]h;Ddsf] cBfjlws l:ylt a}+sn] ;]jf k'/\ofPsf] lhNnf ;+Vof M %&

jfx\o tflnd, uf]i7L tyf canf]sg e|d0fdf ;xefuLtf

k|sfzsM :jfjnDag n3'ljQ ljQLo ;+:yf ln=, s]Gb|Lo sfof{no, afn'jf6f/, sf7df8f}+ . kmf]g g+= (&&-!-$$#$(@!, $$#$(@@km\ofS; (&&-!-$$$!%@%, Email: info@swbbl.com..np, Web: www.swbbl.com.np

g]kfn n3'ljQ a}+s;{ ;+3n] @)&% efb| #! ut]b]lv c;f]h %ut];Dd cfof]hgf u/]sf] >Ln+sfsf n3'ljQ ;+:yfsf] canf]sge|d0f sfo{qmddf Onfsf sfof{no 3f]/fxL / nxfgsf jl/i7k|aGwsåo d]3 axfb'/ v8\sf / /fd k|;fb kf]v/]n ;xefuLx'g'eof] .

:jfjnDag ljsf; s]Gb|n] @)&% >fj0f @# ut]b]lv @% ut];Ddsf7df8f}+df cfof]hgf u/]sf] Grameen Field Operation

Management Training df zfvf sfof{no, hgsk'/ /dGynLsf ;xfosåo lbg]z k|;fb rf}w/L / z]if gf/fo0f k;5]+;xefuL x'g'eof] .

cf/Pd8L;L n3'ljQ ljQLo ;+:yf ln=n] @)&% >fj0f @&ut]b]lv @* ut];Dd O6x/L, ;'g;/Ldf cfof]hgf u/]sf] Financial

Ratio Analysis tflnddf pkzfvf sfof{no ;'j0f{k'/sf jl/i7;xfos k|df]b s'df/ s'dL{ ;xefuL x'g'eof] .

cf/Pd8L;L n3'ljQ ljQLo ;+:yf ln=n] @)&% c;f]h & ut]b]lv* ut];Dd O6x/L, ;'g;/Ldf cfof]hgf u/]sf] Microfinance

Management Training df zfvf sfof{no w/fgsf ;xfoss'df/ a:g]t ;xefuL x'g'eof] .

UNNATI A2F Project n] @)&% c;f]h !$ ut] wgs'6fdfcfof]hgf u/]sf] High Level Business to Business

Linkage Program df zfvf sfof{no lxn]sf ;xfos k|aGwsg/ axfb'/ v8\sf ;xefuL x'g'eof] .

km:6{ dfOqmf]kmfOgfG; n3'ljQ ljQLo ;+:yfn] @)&% c;f]h!^ ut]b]lv !& ut];Dd sf7df8f}+df cfof]hgf u/]sf] Training

on Micro Enterprise Lending tflnddf s]Gb|Lo sfof{nosfk|aGws /fh]Gb| lwtfn ;xefuL x'g'eof] .

Banking Finance and Insurance Institute of Nepal n]@)&% c;f]h @@ ut]b]lv @$ ut];Dd sf7df8f}+df cfof]hgfu/]sf] Training on Emerging Corporate Secretarial

Responsibilities and Governance tflnddf s]Gb|Losfof{nosf sf=d' ljefuLo k|aGws tyf sDkgL ;lrj rGb|dl0frf}nfufO{+ ;xefuL x'g'eof] .

-/sd ?= xhf/df_

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