k[i&e"ld k[i&e"ld (Background)M l*k|f]S; n#'ljQ ljsf; a}+s lnld^]* g]kfnsf] ljkGg ju{df ls|oflzn /fli^«o :t/sf] Pp^f n#'ljQ ;+:yf xf] . n#'ljQ ;]jfnfO{ ul/jL Go"gLs/)fsf nflu Pp^f dxTjk")f{ cZqsf] ?kdf ;+;f/e/ :jLsfl/Psf] kl/j]zdf g]kfnsf] Ps k|ltli&t u}/ ;/sf/L ;+:yf ljsf; cfof]hgf ;]jf s]Gb|, g]kfn -l*k|f]S;–g]kfn_n] 2052 ;fndf Knfg g]kfn;+usf] ;xsfo{df n#'ljQ ;]jf /f}tx^ lhNnfsf] u?*faf^ k|f/De eO{ lj:tf/ ub}{ nu]sf]df kl% o;sf] ;+:yfut ;+/rgf / :j?kdf kl/jt{g u/L lgDg ;+:yfx?sf] k|jw{gdf lj= ;+= 2057 ;fn kf}if 28 ut] n#'ljQ a}+sdf ?kfGt/)f eof] / 2058 >fj)f 1 ut] af^ ljlwjt ?kdf n#'ljQ a}+ssf] sf/f]af/ z'? ul/of] .

k|jw{sx?Mk|jw{sx?M1= ljsf; cfof]hgf ;]jf s]Gb| -l*k|f]S;–g]kfn_2= gljn a}+s lnld^]*3= g]kfn a}+s lnld^]*4= s[lif ljsf; a}+s lnld^]*5= n'lDagL kmfOgfG; P)* lnlhË sDkgL ln=6= l;k|]* g]kfn7= n#'ljQ If]qdf ls|oflzn JolQmTjx? .

sfof{no ;~hfnMsfof{no ;~hfnMo; a}+ssf] sfof{no ;~hfn lgDgcg';f/ /x]sf] % .

s]Gb|Lo sfof{noM s]Gb|Lo sfof{noM gf/fo)fu(, lrtjg .

;'g;/L, l;Gw'nL, l;d/f, gf/fo)fu(, a'^jn, sf]xnk'/, cGtl/of, kf]v/f, uh'/L / ;fg]kf .

zfvf sfof{nox? Mzfvf sfof{nox? M 64 lhNnfdf 98 zfvf sfof{nox?.

;'ljwfaf^ alGrt /x]sf ul/j kl/jf/sf] cfly{s ;'wf/ ug{] .

k"“hL ;+/rgf k"“hL ;+/rgf (Capital Structure) Ma}+ssf] clws[t k"“hL 1 cj{ / hf/L tyf r'Stf k"FhL 70 s/f]* 31 nfv 4 ;o Ps ?k}of 75 k};f /x]sf] % . r'Qmf k"FhL dWo] 51 k|ltzt k|jw{s ;+:yf tyf JolQmx? / 49 k|ltzt ;j{;fwf/)fsf] lx:;f /x]sf] % .a}+ssf] ;|f]ta}+ssf] ;|f]t (Resources of Bank):

a}sn] z]o/wgLaf^ k|fKt k"FhL ;b:ox?af^ k|fKt art, ljleGg sf]ifx?df /x]sf] /sd / afl)fHo a}s tyf ljQLo ;+:yfx?af^ lnPsf] shf{ ;d]t kl/rfng u/L nlIft ju{df ljQLo ;]jf k|bfg ul//x]sf] % .;~rfng k$lt ;~rfng k$lt (Operational Model) :

a}+sn] xfn lgDg lnlvt k$tLx? cg';/)f u/L cfkm\gf] ;]jf k|bfg ub}{ cfO/x]sf] % .

1= kl/dflh{t u|fld)f k$lt (Modified Grameen Model )

2= pRr kxf*L k$lt ( High Hill Model )3= ;fd'bflos k$lt ( Community Model )4= ;+o'Qm bfloTj ;d"x k$lt (Joint Liability

Group Model ) 5= JolQmut k$lt ( Individual Model )

a}+sn] zfvf ;~hfn dfkm{t k|bfg ug]{ ;]jfx? Ma}+sn] zfvf ;~hfn dfkm{t k|bfg ug]{ ;]jfx? M

s_ n#' arts_ n#' art ( Micro Saving ):s= clgjfo{ dfl;s jrt -;d"x jrt _v= AolQmut jrtu= shf{ ;'/If)f jrt#= dft[Tj jrtª= cjsfz jrt

v_ n#' shf{ v_ n#' shf{ ( Micro Loan ):

;fwf/)f shf{ ( General Loan )

kz'kfng shf{ ( Livestock Loan ) n#' pBd shf{ ( Micro Enterprise Loan) kl/of]hgf shf{ ( Project Loan )

kl/sNkgf kl/sNkgf ( Vision ) :

ljz]iftM ul/jLsf] /]vfd'gL afFrL /x]sf kl/jf/x?nfO{ ljQLo lx;fan] ;Ifd, k|fljlws lx;fan] lbuf] / k|lt:kwL{ n#'ljQ ;]jfsf] cljl%Gg kxF'r k'¥ofpg] .cleofg cleofg - Mission ):

ljQLo ;]jfsf] dfWodaf^ vr{ of]Uo cfDbfgL cfh{g ug{ dof{lbt /f]huf/L >[hgfug{], cfwf/e"t vfBfGg, nQfsk*f, :jf:Yo, lzIff tyf cfjf;df vr{ ug{ ;Sg] agfO{ ul/jLaf^ dfly psf:g] .nIo nIo (Goal) :

n#'ljQ ;]jfsf] kx'Fr lj:tf/ u/L u|fld)f hgtf ljz]if u/L dlxnf, l;dfGts[t tyf cj;/af^ jl~rt ju{sf] ;fdflhs / cfly{s :t/nfO{ dfly p&fpg] o; a}+ssf] nIo (Goal) /x]sf] % .p@]Zo p@]Zo (Objective ) : :yfgLo kl/j]z ;'xfpFbf] ldtJooL, ljQLo lx;fan] ;Ifd, lbuf] / k|lt:kwL{ n#'ljQ ;]jf k|bfg ug{] .

lk%l*Psf ;d'bfosf dlxnfx?sf] ;–zlQms/)f ug{] .

u|fxs d}qL n#'ljQ ;]jfx?sf] ljsf; ug{] . cltljkGg kl/jf/nfO{ n#'ljQsf] kx'Fr k'¥ofpg] . n#'ljQ sfo{s|dsf] ljlQo lbuf]kgf ;'–lglZrt ug{] .

cg'zf;g shf{ ( Discipline Loan ) dft[Tj shf{ ( Motherhood Loan ) cfktsfnLg shf{ (Emergency Loan) Go"g nfut cfjf; shf{ (Low cost Housing

Loan)

u_ n#' aLdf u_ n#' aLdf (Micro Insurance):

a}+sn] shf{ tyf lgIf]k ;'/If)f lgud / g]kfndf aLdf ;]jf k|bfg ul//x]sf ljleGg hLjg tyf lghL{jg aLdf sDkgLx?;+u ;]jf ;Demf}tf u/L cfkm\gf zfvf sfof{nox? Dffkm{t ;b:osf cfjZostf cg';f/sf aLdf ;]jf -s[lif, kzkfng kmnk'mn v]tL, cf}iflw pkrf/ OTofbL_ k|bfg ub}{ cfO/x]sf] % .

#_ n#' ljk|]if)f #_ n#' ljk|]if)f (Micro Remittance) :

a}+sn] ljleGg a}+s tyf ljk|]if)f ;]jf k|bfos ;+:yfx?;+u ;dGjo tyf ;]jf ;Demf}tf u/L ;b:osf cfjZostf cg';f/sf cGt/f{li^«o / cfGtl/s n#' ljk|]if)f ;]jf cfkm\gf zfvfx? Dffkm{t k|bfg ub}{ cfO/x]sf] % .

ª_ cGo ;]jfx? ª_ cGo ;]jfx? (Other Services):

ljQLo ;]jf k|bfg u/]/ dfq nlIft ju{sf ;d'bfosf ;b:ox?sf] ;du| hLjg:t/ dfly p&fpg g;lsg] s'/fnfO{ dxz'; u/L a}+sn] dfly pNn]lvt ljQLo ;]jfx?sf] cltl/Qm gofF k|ljlwsf] k|of]u ;lxtsf] ljQLo ;fIf/tf sfo{s|d, dlxnf ;zlQms/)f;+u ;DalGwt sfo{qmd, ljleGg lsl;dsf ;Lkd'ns tflnd, pBdlzntf ljsf; ;DaGwL tflnd tyf sfo{qmd, n#' pBdsf nflu k|fljlws ;xof]u / ljleGg /fli^«o tyf cGt/f{li^«o u}/;/sf/L ;+:yfsf ljsf; cfof]hgf sfof{Gjogdf ;fem]bf/L ub}{ cfO/x]sf] % . o:tf yk ;]jfx? ;/sf/sf ljleGg ljefu tyf dftfxtsf sfof{nox?, ljleGg tflnd k|bfos ;+:yfx?, k|fljlws ;xof]u ;+:yfx?sf ;fy} To:tf sfo{qmd;+u ;DalGwt /fli^«o / cGt/f{li^«o

:t/sf u}/;/sf/L ;+:yfx?;+usf] ;fem]bf/Ldf / a}+ssf] cfGtl/s ;|f]tx?af^ ub}{ cfO/x]sf] % . o:tf yk ;]jfx?n] Psftkm{ ;b:ox?nfO{ shf{ ;b'kof]udf ;xof]u k'¥ofPsf] % eg] csf]{tkm{ ljkGg ju{sf dlxnfx?sf] ;d[l$ / :j/f]huf/Ldf ;d]t ^]jf k|bfg u/]sf] %.

a}+ssf efjL of]hgfx? Ma}+ssf efjL of]hgfx? M a}+ssf zfvf ;~hfnx?sf] lj:tf/ u/L 75 j^} lhNnfdf ;]jfx? lj:tf/ ug]{ .

a}+ssf ;]jfx?df ;do;fk]If ;'wf/ u/L nlIft ju{df cTofw'lgs k|ljlwo'Qm n#'ljQLo ;]jf k|bfg ug]{ .

;j{;fwf/)fsf] lgIf]k :jLsf/ ug{ cfjZos Aoa:yf ldnfpg],

sfo{qmdsf] k|efj dfkg ug{sf] nflu ;+:yfdf oyf]lrt k|)ffnLsf] ljsf; ug]{,

u|fxs ;+/If)fsf cfwf/e"t l;$fGtx?nfO{ cfTd;fy ub}{ ;+:yfut ;'zf;g yk k|efjsf/L a(fpg] .

gofF ;]jfx? gofF ;]jfx? (New Products):

ljut jif{b]lv sfof{Gjogdf cfpg g;s]sf gofF ;]jfx? dWo] b]xfosf ;]jfx? gLlt to u/L sfof{Gjogdf NofOg] % . ;b:ox?nfO{ ;fdflhs cfjZostfsf] ?kdf :jLsfl/Psf sDKo"^/, ^]lnlehg, lk|mh, df]jfO{n h:tf pkef]Uo j:tx? vl/b shf{

;b:ox?nfO{ Joj;fo j[l$sf nflu rf*kj{ nufot ljz]if cj;/sf nflu df};dL shf{

nf]kf]Gd'v tyf l;dfGts[t hfltx?sf] nflu ljz]if ;x'lnot shf{

a}+ssf] cfGtl/s ljQLo >f]tsf] k|jw{g ug{ ;fd'lxs bfloTjsf] axg ug{ gkg]{ gofF art ;]jf / cfjZostf cg';f/ gofF yk shf{ of]hgf sfof{Gjogdf NofOg]% .

æl*k|f]S; a}+s;+u ;fem]bf/Læl*k|f]S; a}+s;+u ;fem]bf/L ;d[l$ / :j/f]huf/L .Æ ;d[l$ / :j/f]huf/L .Æ

l8k|f]S; n3'ljQ ljsf; a}+s lnld6]8

;+lIfKt kl/ro

Deprosc Laghubitta Bikas Bank Limited-g]kfn /fi6« a}+saf6 …3Ú ju{sf] Ohfht k|fKt ;+:yf_

s]Gb|Lo sfof{noM gf/fo)fu(, lrtjgkmf]g g+=M056–527900,ˆofS; g+=M 056—523056

E-mail:deprosc_bank@wlink.com.np

;Dks{ sfof{noM s'n]Zj/, sf&df)*f}kmf]g g+=M01—4288650ˆofS; g+=M01—4288652

E-mail:ddbank@wlink.com.npWebsite: www.ddbank.org.np