Skilled Development Training Program

Training on Commercial Vegetables Farming.

Vegetables are one of the nutritious foods and are considered to be protective foods since they contain high amount of vitamins and minerals. As per the general health standard, the minimum consumption requirement of the vegetables per person is 300 grams. Vegetables also supply dietary fibers (cellulose, Hemi cellulose, and lignin), which are essential for normal peristaltic action of the intestine. In Nepal, the production of vegetables is to be encouraged and expanded because the minimum requirement of vegetable intake is very low. Majority of the Nepali Farmers have small holdings and have to specialize in production with a high return from a small area. In this regards commercial vegetables farming plays a major role. Vegetable crops are efficient to generate cash even from a small plot of land in a short period of time and helps farmers reduce poverty. Nepal has the advantages of climatic condition. We can grow different winter and summer vegetables simultaneously taking advantages of altitude. Different study results revealed that the number of farmers growing different kinds of vegetables is increasing, the production and supply of vegetables in the market is also regularly increasing. There have been improvements in the access of agri-inputs in vegetable cultivation, production technologies and marketing channels to market their produce. However, the area under vegetable cultivation is very small, there has been an increase under the area of vegetable cultivation and shift from subsistence farming to commercialize is needed. The training was provided in order to educate the women on various aspects of Commercial vegetable farming.

The training program was conducted from 4th June 2019 to 6th June 2019 on ‘Commercial Vegetable Farming’ at Tikathali , Lalitpur where thirty seven members of Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd Tikathali branch office participated. The training program was organized to improve the income generation capacity of farmers through vegetable farming technology. The training program with resource persons Mr. Puskar Acharya and Mr. Basudev Subedi on farm training was highly successful as evident from the feedback of the participating members. The topics of the training program covered field preparation, nursery management, nutrient and irrigation management, pest and disease management, organic farming and post harvest management of vegetable crops.

Soap Making Training

This program offers Women a full training and the skills they need to start their own business as well as create an income for themselves and their families. In everyday life we have to we use soap to wash dishes, clean clothes, or keep our bodies clean. Soap therefore has numerous applications in our daily life. One of its great values is keeping our household a far better place to live and work. Soap production can be regarded as one area of business that is lucrative and needs only little capital to start with, and considering the easily available resources.

The skilled development program in order to empowering 17 earthquake affected women was conducted at Dakshinkali from 6th May to 9th May 2019 for four days. The program  was attended by CEO of the Nirdhan Sanstha Ms. Anju Pandey Pant and was facilitated by Ms. Sajana Nakarmi as the trainers. The CEO of Nirdhan Utthan Laghubitta Bittiya Sanstha Limited Mr. Janardan Dev Pant, branch manager of the Dakshinkali branch of Nirdhan Utthan Laghubitta Bittiya Sanstha Limited Mr. Santosh Raj Pant, among others were present in the event.

Another same type of skill development training program was also conducted for the members of Galchhi branch on 9th June to 11th June 2019 where sixty two members participated in the training. The training event was facilitated by Branch Manager of Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd , Galchhi Branch Mr. Bir Bahadur Lama and Program Officer of Nirdhan  Mr. Manish Ratna Konajo and Account Officer of Nirdhan Ms. Bina Thapa  as the trainers. In the training session, essential raw materials, proper composition of chemicals, processing methods, storing methods, packing and weighting, enterprise budgeting, and marketing were the main topics discussed. The closing ceremony was attended by Executive Officer of Nirdhan Ms. Anju Pandey  as a chief guest and Vice Chairman of Nirdhan Mr. Janardan Dev Pant. In the closing session, chief guest and representative from Galchhi VDC, Operational Officer Mr. Dan Bahadur Aidi expressed that it will be great to start a business after getting the training and briefly describe about the registration process and procedures of small scale Industries in the similar way special guest from Nirdhan Ms. Anju Pandey Executive Officer told the participants brief history about the Nirdhan and expressed her thoughts regarding the training program and promise to support and help in every possible way under her circumstance in the process to start their business. At the end of the training, participants shared that the training was very useful, productive and they committed to start small scale the soap making factory.

Achievements & Impacts

  • With the organized effort of six client members from Dakshinkali by taking two rooms on rent started to produce the round handmade soap within five month from the date of their training program. Their initial investment was around Rs 50,000.00. Now they had invested additional Rs 1,50,000.00 in this business. They supplied the finished product to the local shops in wholesale price and had planned to cover other place also.

Financial Literacy Trainings for SAFAL

The populations of the hilly and mountainous regions of Nepal still remain under-served in terms of access of micro finance. Since these areas are considered risky and expensive to serve, most of the financial institutions are hesitant to operate in these areas.  Nevertheless, Mercy Corps have enabled the related MFIs expand into these areas with innovative product and qualitative service for these needy poor households through the DFID funded Sustainable Access to Finance and Livelihoods in Nepal (SAFAL Nepal)” program. To supplement SAFAL, Financial Literacy Training (FLT) are being carried out in Rukum, Banke, Kalikot and Jumla by Mecry Corps and Nirdhan in order to increase the loan repayment capacities of these rural poor households so that they can better utilize the loans they take out from the MFIs. With the help of financial literacy trainings, the target groups are able to make informed decisions about savings, money and risk management and practice sound financial behavior. The target clients are also able to participate more confidently in micro-enterprise creation and increased productivity.

The overall goal of the project is to improve the overall livelihood status of the poor rural MFI clients by providing them with helpful financial management knowledge:

  • Carry out FLT for the MFI groups according to the curriculum developed by Mercy Corps; Each group will receive 26 sessions of training
  • Each group of MFI will have 20-25 participants
  • By the end of the project period, the following number of 204 MFI groups will have been trained: Banke (Fattepur) – 28, Kalikot – 28, Jumla – 28, Rukum (Chaurjahari) – 24
  • To train additional facilitators to deliver the training if needed according to the ToT provided by Mercy Corps
  • Monitoring and supervision of the FLT by Mercy Corps and Nirdhan
  • Periodic evaluation of the FLT

Ultra Poor into Microfinance in Nepal Survey Project,Jajarkot District.

This program findings of a survey of 819 households in Jajarkot districts of Triveni Nalguad Municipality Ward no. 9,10,11,12 and 13 which start from July 2018 and end by November 2018. The data from this survey presents probably the most comprehensive dataset ever generated about the livelihoods of people living in the region. The survey was based on the following main activities:

  1. Design a baseline survey tool using PPI and Oxford Multidimensional Poverty Index indicators to ensure that those selected for group membership are the ultra-poor and to track their progress with the support from Centre for Microfinance (CMF), Jeff Ashe, Nirdhan MFI and Achyut Aryal
  2. Carry out the baseline survey at the project site with the help of field staff to be recruited.
  3. Analyze the baseline survey findings with the support from CMF and  Jeff and Achyut Aryal.
  4. Develop a monthly monitoring tool to measure progress and collect and analyze this information with the support from CMF
  5. Train and support savings groups with between 500 and 700 members at two Nirdhan branch offices.

Objective of Baseline Survey

The main purpose behind baseline survey is to collect information in Jajarkot districts of Triveni Nalguad Municipality Ward no. 9,10,11,12 and 13  for identifying ultra-poor using PPI and multi-dimensional poverty measuring tool and others. So, some of the objective of Baseline includes:  To find out the present status of people in accordance to Social, Demographic and Economic. Later on to trace the area of interest of respondents for skill training, support and job placement opportunities. 

Survey Design and method

Development of questionnaire

The baseline questionnaire was designed with a view to capturing a wide range of results. Centre for microfinance (CMF), Nepal had developed a questionnaire including the indicators from PPI and multi-dimensional poverty measuring tool and finalized it incorporating the feedback of Jeffery Ashe and the team.

Detail questionnaire form –Annex 1

Data Collection Process

For the data collection process two interviewers were hired among eleven applicants after complete process of interview and evaluation as per their qualification and experience. They were also trained to make them fully capable to take interview of households the region. The virtual data collection platform was set up and the responsible officials were oriented for field level data collection. The way in which the data was collected was through one-to-one interview and observation method. In the starting stage the data collection was done on paper base as its time consuming and costly as compare to digital so later on Smart phones were used by enumerators to record survey data and digital data collection. Data collection process was monitored and technical backstopping was provided, when needed, during the entire process of data collection period by CMF technical experts. The responses of the participants were treated with strict confidentiality.

Descriptive Analysis

This section presents some of the descriptive analysis of the final set of data collected from 5 wards of Nalgadh Municipality of Jajarkot District.

  1. Data collected by enumerators
  • Age of the respondents
  • Distribution of respondents as per their caste/ethnicity
  • Marital status of the respondents
  • Gender of Household head
  •  Distribution of respondents as per the ward number
Location Target No. Survey No. Result
Jajarkot District 700 households 819 households Achieved

Progress.

The data collection process was completed on 25th November 2018.The final compiled data set consisted information of 819 households from Ward no. 9,10,11,12 and 13 of Nalgadh Municipality of Jajarkot district. The final compiled data set, codebook and questionnaire have already been forwarded to the team on 26th November 2018 and also attached along with this report.

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Community Based Micro Health Insurance Project (CBMHIP),Banke.

Community Based Micro Health Insurance Project.

Community Based Micro Insurance Project (CBMHI), Sanjeevani, is being implemented by Nirdhan NGO since October 2010  in Banke district with the financial assistance from Save the Children Nepal with technical partnership with Micro Insurance Academy (MIA), India. Sanjeevani is an inclusive, community owned and managed micro health insurance program, working in impoverished areas of Banke, through which the scheme members pool their resources to reduce their collective financial risks when receiving health services. The bottom-up model aims to close the health gap and reduce vulnerability through the active participation of community members in all stages of management and decision-making processes. By providing discounted health services and offering linkages with service providers, the CBMHI has been building community trust in formal health systems and changing health-care seeking behavior to improve health states. Thus, Sanjeevani hopes to increase economic security by reducing the financial burden of accessing local health care and validate itself as a model to extend universal health coverage in rural Nepal.

The voluntary and contributory CBMHI has completed four years of successful implementation and is in the second phase of its implementation. Within this period, it has obtained significant triumphs that have been universally commended. Currently, the micro health insurance program has extended its coverage to 15 VDCs, a municipality (Kohalpur) and the Sub-Metropolitan city of Nepalgunj in Banke, creating a strong network of about 13,701 members clustered within the 300 self-reliant groups (SRGs) of Nirdhan Utthan Bank Limited (NUBL). The project’s technical partner Micro Insurance Academy (MIA) has been providing training, technical assistance, information dissemination, and management and evaluation services for the successful and collaborative implementation of the CBMHI. Similarly, financial support is provided by Save the Children Nepal through donations from MISEREOR.

Objectives:  The project has been targeted to achieve the following project objectives through the 5 results:

Objective 1: Increased access to inclusive and affordable micro health insurance scheme :

Result 1:  Micro heath insurance units are financially sustainable and cover 45,000 consumers of all ages and risk profiles.

Objective 2: Increased knowledge of financial risk management among poor households:  

Result 2: Potential consumers have access to information on the potential benefits of micro health insurance.

Objective 3: Increased capacity of communities to self-administer a micro health :             

Result 3: Community self-administer Micro Health Insurance Units, through standard detailed business processes and MIS systems.

Objective 4: Increased risk transfer from communities to commercial entities (re-insurers) :

Result 4: Commercial entities cover outlier and catastrophic exposure when Insured persons are likely to be exposed to catastrophic costs above the insurance cap.

Objective 5: Policy makers acknowledge micro insurance as an effective poverty alleviation and risk management :

Result 5: Local, District and National level policy makers are exposed to micro insurance and its benefits.

Achievements:

Nowadays Target groups have started to feel and hope CBMHI will let them have enormous possessions for their health treatment expenses. Not only the health insurance program has become very informative for community health education, it also has increased the level of knowledge on health risk management as well as changing behavior of communities for health consciousness. Members have got highly confident and feel safer health services accessible to them as the number of service providers has been increased according to their need and interest.

Organizational structure of the micro-insurance model:

There is one Main committee/Coordination committee which includes seven members representing five Self Help Groups (SHGs). At least a member from a Sub-committee comes to participate in the main committee.

There are five SHGs/Claim committees each of which includes seven member governing committee in each SHG comprising representatives from   sub-committees.

The SRGs are formed by NUBL Branch offices: Kohalpur, Ranjha, Udaypur, Paraspur, and Khajura. All the SRGs are from different clusters and VDCs within Banke district. These structures are facilitated by Nirdhan NGO. The members of sub-committee, SHGs and Main Committee comprise 300 SRGs, and are working into the community based program.

All the SRGs are from different clusters and VDCs within the district. These structures are facilitated by Nirdhan NGO through its program staffs, coordinators and activists (even though, they are paid by project, they are controlled and supervised by SHGs and Main committee). The members of sub-committee, SHG and Main committee are the member of SRGs, making the working model as completely community based.

Nirdhan Business Development Services (NBDS)

Nirdhan Business Development Services (NBDS):

Nirdhan has BDS program to the MFI clients, especially NUBL clients.  Presently, MFIs are addressing livelihood for their clients.  BDS is the tool for helping to MFIs clients for their business skill Development and scale up their business. MFIs can address the poverty reduction through their Micro-Credit Services with integration of  NBDS.

Objectives:

  1. Creation of business awareness and motivation among rural communities.
  2. Qualitative and Quantitative improvement of self- employment and small-scale enterprises in the rural area of country.
  3. Creating more employment and Self- employment opportunities for women and youth.
  4. Assisting members to select suitable enterprises.
  5. Providing training for entrepreneurship development and technical skill training.
  6. Business consultancy and advisory services.
  7. Building market linkages.
  8. Providing training for feasibility studies of proposed business.
  9. Creation of a favorable credit culture.
  10. Ensuring a better standard of living for MFIs clients.

Last Updated (Thursday, 17 December 2015 06:47)

Training on Soap Making (Hard and Liquid Soap) at Tikathali,Lalitpur and Chaling,Bhaktapur.

Training on Soap Making (Hard and Liquid Soap).

The program offers Women a full training and the skills they need to start their own business as well as create an income for themselves and their families. In everyday life we use soap to wash dishes, clean clothes, or keep our bodies clean. Soap therefore has numerous applications in our daily life. One of its great values is keeping our household a far better place to live and work. Soap production can be regarded as one area of business that is lucrative and needs only little capital to start with, and considering the easily available resources.

NULB organised Hard and Liquid Soap Making Training at Lalitpur,Tikathali dated 21st to 22nd June 2018 with the objective to utilize leisure time of women and make them self-employed.17 members participated in the training program.

Training was facilitated by Sapana Bhulun, Laxmi Rai and Global Peace Foundation Program Officer Sumit Sunuwar.They start the training program with the safety first used of mask and gloves during practical session and eye drops , cold water in case of emergency. In the training, essential raw materials, proper composition of chemicals, processing methods, storing methods, cutting measurements and weighting, enterprise budgeting, method to and marketing were the main topics discussed. At the end, participants expressed that the training was very effective and requested to organize such training again and again.

Similarly, training on soap making also organized at Bhaktapur, Chaling Branch NULB dated 9th to 10th July 2018 in which 18 members from different branch (Tikathali, ,Gagalfadi, and Chaling)participated in addition Waste Management through Vermicompost training also provided on the first day of training.

Commercial Vegetables Farming Training in Nuwakot,Dhikure.

Training on Commercial Vegetables Farming:  Vegetables are one of the nutritious foods and are considered to be protective foods since they contain high amount of vitamins and minerals. As per the general health standard, the minimum consumption requirement of the vegetables per person is 300 grams. Vegetables also supply dietary fibers (cellulose, Hemi cellulose, and lignin), which are essential for normal peristaltic action of the intestine. In Nepal, the production of vegetables is to be encouraged and expanded because the minimum requirement of vegetable intake is very low.Majority of the Nepali Farmers have small holdings and have to specialize in production with a high return from a small area. In this regards commercial vegetables farming plays a major role. Vegetable crops are efficient to generate cash even from a small plot of land in a short period of time and helps farmers reduce poverty. Nepal has the advantages of climatic condition. We can grow different winter and summer vegetables simultaneously taking advantages of altitude. Different study results revealed that the number of farmers growing different kinds of vegetables is increasing, the production and supply of vegetables in the market is also regularly increasing. There have been improvements in the access of agri-inputs in vegetable cultivation, production technologies and marketing channels to market their produce. However, the area under vegetable cultivation is very small, there has been an increase under the area of vegetable cultivation and shift from subsistence farming to commercialize is needed.

The training was provided in order to educate the women on various aspects of Commercial vegetable farming. The training was conducted for 3 days at Dhikure, Nuwakot on 20th May 2018 to 22nd May 2018. Altogether there were 30 women participants.

Trainer Senior Agricultural Officer Mr. Uma Nath Bhandari and Technical Assistant Mr. Umesh Kumar Mahato from Prime Minister Agriculture Modernisation Project (Potato Zone) facilitated the training. They had divided the training into theoretical and practical session so that the participants have detail knowledge about vegetable farming. They trained them starting with the importance of vegetable farming with different aspects (health wise, economic wise ,employment wise ,tourism wise, business wise) , seasonal and off seasonal vegetable farming, method of seed planting, tunnel making methods, new technological irrigation method, precaution that should be taken during the planting, and preparing organic and chemical fertilizers. Beside that they shared some ideas about income generation and marketing of vegetable. They also oriented farmers how farmers can make vegetable farming as a profitable business.

Overall Objective:To increase the income level of the poor farming households through commercial farming of vegetables.

Specific objectives:

  • Enhance farmers’ capacity to grow and market seasonal and off season vegetables.
  • Provide agricultural inputs and technical supports.
  • Develop and implement mechanism for the sustainability and up-scaling.

Opportunities:

  • Increasing demand of vegetables in the domestic markets, possibility of export market to different countries.
  • Climatic suitability of hills to produce some unique vegetables with specific taste and quality, production potentials of cauliflower, tomato and beans in the early winter months.
  • Government’s provisions include various facilities such as technically capable agriculture extension department, research agency to deliver services to the farmers.
  • Availability of exporters and various stakeholders.
  • Availability of commerce and trade related department to provide facilities and advise to the exporters/traders, availability of the technical institutions related to processing and packaging technology.

Goat Farming Training in Kavrepalanchok,Dapcha Chhatrebangh.

Skill Development Training Program (Goat Farming).

Goat production plays a significant role and opportunity in the economic and cultural life in Nepal, and goat accounts for 20 percent of the nation’s demand for meat.  In Nepal, goat meat is unique in that there are no cultural, ethnic or caste taboos against goat meat, unlike other meats.  Goat meat experiences its highest demand during the Dashain and other national festivals in Nepal.  Despite this, Nepal’s producers have been slow to respond to an ever-rising demand for goat meat, and Indian suppliers, who export over 400,000 goats each year to Nepal, supply 80 percent of Nepal’s demand.

The main advantages of starting Goat farming are as follows.

  • Starting a goat farming business requires low initial investment or capital.
  • Goats don’t require huge area for housing because their body size is comparatively smaller than other livestock animals.
  • Usually goats are very friendly in nature and very lovable.
  • Goats are good breeders and they reach sexual maturity within their 7-12 months of age and give birth of kids within a short time. And some goat breed produce numerous kids per kidding.
  • Risks are less for goat farming than any other livestock farming business.
  • Both male and female goats have almost equal value/price in the market.
  • No religious taboo against goat farming and meat consumption.
  • Goat milk is used for making various types of foods and it’s very easy to digest than milk of cows.
  • Commercial goat farming business has created a potential way of employment for unemployed people.
  • Goats are multi purpose animal. They can produce milk, meat, skin, fiber and manure at the same time.
  • There is no need of a high end housing system for goats. Even they can easily share their living place with their owners or his/her other livestock animals.
  • You can use the goat’s manure as a high quality natural fertilizer in crop field. This will directly help to maximize crop production.

General goals:

The general goal of this program is to improve the economic status of members of the women’s community group by establishing improved goat rearing approaches, techniques, and veterinary systems, which will enable the women’s group to take advantage of the growing local and regional market demand for goats.

Specific objectives:

  • Begin goat keeping under the improved system.
  • Increase the number of goats in the community.
  • Increase in the annual income of targeted farm households.

LOCATION:  Chertrabhajha of Kavrepalanchok of Nirdhan Utthan Bank Branch.

Number Of Participants: 25

DURATION: Three Days

LOCATION:  Chertrabhajha of Kavrepalanchok of Nirdhan Utthan Bank Branch.

TARGET GROUP: Member clients of Nirdhan Utthan Bank.

Financial Literacy Training Program in Parbat, Baglung and Myagdi District, Supported by Nepal Rastra Bank.

The financial system of a country plays a key role in the growth and development of a nation. In the agenda of financial literacy, it has rightly been said, “Financial literacy needs to be embedded in our way of life. Everyone who earns an income is a potential saver, every saver is a potential investor and every investor ought to be financially literate.” Peoples are suffering from financial diseases like underinsurance, debt trap, insufficient retirement funds and low return on investment – all of which is caused due to financial illiteracy. The consumers need to be financially literate to be able to understand the financial world and make well-informed decisions that will be profitable. When comparing and evaluating financial products, the consumer should be well aware of the basic terms of financial markets and the latest trends to manage their savings. The program took place on 4th Jan 2017 at Parbat District of Rahale,on 6th Jan 2017 at Baglung District of Galkot and on 8th Jan 2017 at Myagdi District of Babiyachour supported by Nepal Rastra Bank, Governor Office, Baluwatar, Kathmandu.

Objectives of the Project

  • To teach people about the basics regarding savings, credit, insurance, remittance and investments.
  • To introduce entrepreneurs to successful management strategies they can apply in the everyday operations of their activity.
  • Use of proper banking system.
LocationTarget ParticipantsNo. of Participants Result
Parbat District of Rahale50-10097Achieved
Baglung District of Galkot50-10072Achieved
Myagdi District of Babiyachour50-10081Achieved

Nirdhan Marketing Services Pvt. Ltd.

Nirdhan Marketing Services Pvt. Ltd.

Market is one of the crucial factors for enterprise development. Nirdhan has a aim of developing effective marketing services for on-farm and non-farm based products of NUBL clients and link it with local as well as national market to create better marketing opportunities and optimum prices.
Nirdhan has taken gender and social inclusion as cross cutting issues in all of its programs and projects.

Our Program intervention approaches :

  • Align with poverty reduction strategic plan of Government of Nepal
  • General intervention strategy for household economic security
  • Scaling up of learning and good practices
  • Coordination, linkages, partnership building, negotiation
  • Achieve Gender equity
  • Community procurement & financial transparency
  • Quality control through regular participatory monitoring & evaluation
  • Cost effectiveness/community Contribution
  • Participatory approach in community mobilization/local resource mobilization
  • Managing horizontal communication of innovations
  • “One Product One Village” approach
  • Sustainability approach
  • Socially inclusive