Small Farmers Agriculture Cooperatives Ltd. (SFACLs) are member-managed community-based micro-finance institutions with a unique three-tiered organizational structure, which ensures the involvement of members in the decision-making process.
The three-tiered organizational structure is as follows:
Daily operations of SFACLs' are carried out by a manager, who is appointed by the BoD. The Assistant Manager and staff assist the Manager in the SFACL's daily activities.
Characteristics of SFACLs
NETWORKING OF SFACLs
Small-scale farmers need both financial and non-financial services. The Small Farmers Development Bank provides financial services. The 25 SFACLs′ District Federations and the Nepal Agriculture Cooperatives Central Federation (promoted by small-scale farmers), was established to support them with non-financial services. Established federations have been continually helping SFACLs with institutional strengthening, market management, coordination and financial self sufficiency.
Pokhara Sarangkot SFACL staff (left to right): Dhana Kumari Nepali (assistant officer), Indra Kumari Thapa (manager), Samjhana Thapa (officer helper), Nirmala Thapa (assistant), Narayani Gautam (assistant manager).
Gajuri SFACL staff (left to right): Budha Lasemi Shreshta, Indira Duwadi, Guna Raj Thapaliya, Bishnu Thapaliya, Bhakta Bahadur Shreshta and Jeevan Nepal.
Chitwan Kumroj SFACL staff
Chitwan Khatar SFACL staff
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