Microfinance Wholesale Credit

SKBBL provides wholesale, short-term credit to its partner SFACLs and other coops in order to extend retail credit to rural women, Dalit, poor and deprived communities. Wholesale credit is provided to finance mainly for agribusiness and income generating activities. Targeted communities in which the SKBBL invests through partner cooperatives are:

Families or persons with land ownership of maximum 15 ropanis in hills and mountain region or 1 bigha in Terai region and have food sufficiency for less than a year
Families or persons who do not have regular earnings/incomes and are unable to fulfill basic needs
Back-ward and marginalized communities, Dalit, Madhesis, poor, women, and micro/small agriculture entrepreneurs
Youth engaged in commercial agriculture/ livestock business.

SKBBL provides wholesale credit to cooperatives that meet the minimum eligibility criteria stated below.

Eligibility criteria to Obtain Wholesale Credit from SKBBL

Licensed to provide financial services to members/clients from the regulator
At least two years’ experience of providing financial services to members
Minimum of 375 members with at least 50 percent women
The practice of maintaining the up-to-date account and regular annual audit and AGM
No delinquent loan with BoDs, employees, and their family members
Minimum financial indicators:
- Annual repayment rate: >90%
- The ratio of internal resource to outstanding loan: > 40%
- Operational self-sufficiency: >100%
- Non-Performing loan ratio: <5%
- Net worth: positive

Microfinance Wholesale Credit

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