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Swabalamban Laghubitta Bittiya Sanstha Ltd. (SWBBL) is a microfinance financial institution.  With the mission of delivering sustainable microfinance services at the doorstep of the deprived sector target societies; SWBBL, was registered with the Company Registrar’s Office as a limited company under the Companies Act, 2053 on October 5, 2001 (Aswin 19, 2058) and obtained license from Nepal Rastra Bank– the Central Bank of Nepal on January 3, 2002 (Poush 19, 2058) to operate the financial activities under Development Bank Act, 2052.

The microfinance program currently implemented by SWBBL goes more than 28 years back when a group of development practitioners established an NGO named Centre for Self-help Development (CSD) in 1991 with the aim of helping the poor people to enhance socio-economic status through the capacity building and empowerment. Started in 1993, a microfinance program entitled Self-help Banking (SBP) had became a landmark program in supporting deprived women of grassroot level through the provision of micro credit and savings facilities based on group guarantee. With an aim to provide the poor women with more sustainable microfinance services and enhance the credibility of the institution, CSD took initiative to promote SWBBL together with  renowned commercial banks- Nepal Investment Bank Ltd., Himalayan Bank Ltd., Nabail Bank Ltd. as well as individual promoters committed for poverty reduction.

SWBBL formally started its operation from January 14, 2002 (Magh 1, 2058 B.S.). At the time of establishment, it’s registered (central) office was in Janakpur, Dhanusha, eastern Terai region of the country. Later, according to the decision made on March 10, 2014 of Company Registrar’s Office, the central office is shifted in Kathmandu, Nepal.

SWBBL has changed its name to Swabalamban Laghubitta Bittiya Sanstha Ltd. as of Bank and Financial Institution Act 2073. Previously, it was Swabalamban Laghubitta Bikas Bank Ltd. as on January 6, 2006 (Magh 10, 2062) under the Companies Act., 2005 (2062) and re-obtained license from Nepal Rastra Bank under Bank and Financial Institutions Act , 2006 (2063).

 

 

SWBBL at a Glance, Shrawan end 2077(15 August 2020)

 (Amount in ‘000 NPR)
Total Loan Disbursed                                  11,35,28,260
Loan Outstanding                                  1,56,58,604
Savings         93,68,831
No. of Active Clients                       2,47,969
No. of Borrowers                      1,69,184
No. of Centres                         12,518
No. of Staff (incl. trainees)                              677
No. of Female Staff                               116
No. of Branch Offices                              140
Working Districts                                61
No. of Area Offices                                  9
Currency Conversion USD 1.00=NPR 120.15
  • Swabalamban Bank offers micro loan and micro business loan products for its clients. Loan decisions are made on the basis of client’s: a) knowledge of the business, b) credit history (for repeat clients) c) performance of the non-financial aspects (i.e. attendance, participation in the center activities etc.). Borrower’s needs, timely repayment of loan and its utilization, borrower’s loan absorption capacity are the basis to approve the consecutive loan.
    (1)Micro Loan
    (2)Micro Business Loan
  • Types of Saving Product

    1. Compulsory Saving
    Group Saving
    Centre Fund Saving

    2. Optional Saving
    Individual Saving
    Education and Pension saving
    Festival Saving
    Welfare Saving
  • Life and Housing protection scheme (Member Protection Scheme)
    Live-Stock protection scheme
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