CEO'S Message

For decades, Nepal’s development journey has been shaped by a collective aspiration: to reduce multi-dimensional poverty, uplift rural communities, and ensure that every Nepali can live a dignified life. While we have made encouraging progress, achieving our national goal of graduating from LDC to developing country status and meeting the SDG targets by 2030-requires deeper structural transformation in rural economies.

Microfinance remains central to this transformation. It creates the foundation for small and tenant farmers-especially those excluded from mainstream financial systems to access opportunities, build resilience, and participate in economic growth.

Sana Kisan Bikas Laghu Bitta Bittiya Sanstha Ltd. (SKBBL) is deeply committed to this national mission. As Nepal’s leading wholesale lending institution, our purpose goes far beyond providing finance. We work to strengthen the capabilities, productivity, and economic security of Small Farmer Agriculture Cooperatives (SFACLs) and their members through accessible credit, capacity development, good governance support, innovation, and inclusive rural financial services.

We firmly believe every smallholder farmer deserves an equal chance to grow, earn, and live with dignity-free from exclusion.

Our efforts focus on youth engagement in agriculture, strengthening farmer organizations, entrepreneurship promotion, value chain development, climate-resilient and nature-friendly farming, and innovative learning opportunities, including overseas exposure programs.

As I begin my tenure, I reaffirm SKBBL’s institutional commitment to sustainable and inclusive rural development. Looking ahead, we will accelerate our work around three foundational pillars:

1. Growth: Innovation-driven, sustainable institutional development

We will continue strengthening our operational efficiency, financial resilience, and human capital. This includes expanding modern digital services, promoting knowledge-based decision-making, enhancing climate-smart agricultural financing, and supporting cooperatives in building productive assets and value-chain competitiveness. Our focus remains on inclusive growth that reaches even the most remote communities.

2. Governance: Transparency, accountability, and compliance as our core ethos

Strong governance is fundamental to trust. SKBBL will continue reinforcing compliance, internal control systems, risk consciousness, and operational discipline across the organization. We will support SFACLs in strengthening their cooperative governance, ensuring integrity, resilience, and long-term sustainability of the small farmer movement.

3. Gratitude: Deep respect and appreciation for all our partners

Our progress has been made possible through the unwavering support of the Government of Nepal, Nepal Rastra Bank, development partners, financial institutions, cooperatives, and the rural communities we serve. We also acknowledge the dedication of our board, management, and staff whose commitment drives our mission forward. This shared journey is built on trust, partnership, and collective purpose.

Aligned with the spirit of a dignified rural life (æu|fdL0f cy{tGqtsf] ;+/rgfTds ?kfGt/0f), SKBBL will continue advancing initiatives that strengthen the agricultural value chain, promote climate-resilient farming, empower small and tenant farmers, and enhance rural livelihoods through innovation, capacity building, digital transformation, and market linkages.

We remain devoted to supporting national priorities and contributing to the shared national vision of a prosperous Nepal. With our partners by our side and the trust of our farmers, we will continue designing and delivering solutions that uplift the most marginalized and accelerate rural transformation-sustainably, inclusively, and with deep human commitment.