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Microfinance originally evolved as ‘microcredit’ to targeted people has changed a lot over the years. Microfinance, started through an NGO and cooperatives as a movement to cater financial services to the poor, is now recognized as a tool to enhance financial inclusion, women empowerment and promoting self-employment thereby helping to alleviate poverty. Swabalamban Laghubitta Bittiya Sanstha Ltd.(SWBBL) is a national level microfinance institution promoted with initiatives of Centre for Self-help Development(CSD) along with commercial banks-Himalayan Bank Ltd., Nepal Investment Bank Ltd., Nabil Bank Ltd and individual promoters committed toward poverty alleviation.


SWBBL is serving the deprived and socio-economically marginalized communities in all 7 provinces in the country from Himalayan region to plane Terai region. It provides financial services namely micro credit, saving, micro insurance/ security service, remit service and social mobilization as well. SWBBL is expanding its outreach to serve the un-served and under-served population. It is aware about the client protection, social performance and sustainability issues. It continuously revisits and refines its products, services, delivery models and channels so as to address clients’ needs and preferences. I would like to express my sincere thanks and gratitude to Nepal Rastra Bank, Government of Nepal, Securities Board, NEPSE, Board of Directors of SWBBL, promoters and other concerned institutions who helped us to establish, expand and grow. I hope to receive such cooperation in coming days too. Thanks to our clients who believed in our products and services and striving to come out of poverty through our services. I assure them qualitative and customer friendly services in future too. I would also like to thank our staffs for their commitment and sincerity towards achieving institution’s goal.

Thanking You,

Uday Raj Khatiwada
April 2021

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