Target Clients

All clients in group based financial services of the Institution are women. They are under the defined target groups of the Institution. The targeting of the clients is based basically on land holding size and other socio-economic indicators. The means test form is used to find whether particular household falls under target group or not. The following criteria are used to identify target group:

Client selection criteria for group based financial:

  • A Nepali citizen having land holding of less than 20 Kattha (0.67 Ha.) per household of five family members.
  • Permanently living in the area covered by the Institution.
  •  A per capita income of less than NRs. 4,404 at 1997/98 prices.
  •  Do not have sufficient physical collateral to offer.

Most of the clients are from agriculture laborers, petty traders and city dwellers.

The clients for micro enterprise loan activities of the Institution are group members graduated from the group based loan activities. However, micro enterprise loans are also available to individual clients also who do not wish to join group due to different reasons.

Client selection criteria for Group microenterprise loan:

  • Graduates of group based financial services activities.
  •  Micro-entrepreneur.
  • Permanently living in the area covered by the Institution.
  • Can provide collateral.

Client selection criteria  For Individual Microenterprise loan:

  • A Nepali citizen living permanently in the area covered by institution.
  •  Micro-entrepreneur.
  • Willing to expand or establish microenterprise in the institution’s working area.
  • Has physical collateral to offer as loan security.

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