Aarambha Chautari Laghubitta Completes Province-wide Training on Risk Assessment and Sustainable Growth
17th November 2025, Kathmandu
Aarambha Chautari Laghubitta Bittiya Sanstha Limited (ACLBSL) has successfully concluded a crucial, institution-wide training program focused on “Risk Assessment and Sustainable Business Growth.”
Aarambha Chautari Risk Assessment
This extensive series of sessions, organized by the central office in Banepa, spanned across multiple provinces, demonstrating the microfinance institution’s serious commitment to enhancing its staff capabilities and ensuring the long-term stability and quality of its operations.
The training initiative, which began in Sauraha, Chitwan of Bagmati Province, strategically expanded its reach across the country, concluding its intensive sessions in Nepalgunj, Lumbini Province. The scale of the program was significant, engaging a large segment of the field staff who are the frontline of the organization’s mission. A total of 162 staff members participated, including the branch managers from all 140 branches and 22 program officers representing all provinces where the institution operates.
Focus on Risk Mitigation and Quality Growth
The central theme of the training was the balance between aggressive business expansion and sound risk management, which is critical for the microfinance sector’s sustainability. The sessions were meticulously designed to cover both theoretical and practical aspects of institutional operation:
Risk Management: The core curriculum focused heavily on risk assessment, financial risk evaluation, and advanced risk mitigation strategies, equipping staff with the tools to identify and manage potential threats to the institution’s portfolio.
Sustainability and Growth: The training emphasized the principles of institutional sustainability and quality business growth strategies, ensuring that expansion does not come at the expense of stability.
Operational Excellence: Topics included practical areas such as operational procedures, adherence to Nepal Rastra Bank (NRB) directives, and implementation of interest rate guidelines for the second quarter, providing clear regulatory clarity.
Leadership and Expert Facilitation
The training program was distinguished by the active involvement of the institution’s senior management and board members, reinforcing the importance of the learning objectives.
CEO Shiva Prasad Gyawali personally inaugurated the training sessions at multiple locations, including Sauraha, Bardibas, Butwal, and Nepalgunj. His presence provided a powerful message of commitment from the top leadership.
The training modules were delivered by a team of internal experts, ensuring the content was directly relevant to the institution’s operations:
Assistant General Manager Manrupa Paudel delivered crucial training on financial risk management, strategic business growth, and addressing accounting system challenges.
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Chief Business Officer Chandan Kumar Sardar focused on the human resources aspects, covering employee management, code of conduct, and clear delineation of staff roles and responsibilities.
Credit Department Head Top Bahadur Raskoti provided specialized training on the credit lifecycle, including credit risk assessment, loan recovery processes, and strategies for achieving quality credit growth.
Other essential sessions addressed practical field activities such as loan recovery techniques, operational management, micro-insurance education, and ensuring the proper utilization of disbursed credit by borrowers.
Corporate Culture and Performance Review
The training served a dual purpose, functioning not only as an educational platform but also as a forum for corporate review and motivation.
During the Butwal session, Board Director Gopal Prasad Bashyal addressed the participants, offering high praise for the CEO’s leadership in establishing the institution as a leading entity in the competitive microfinance sector. He offered congratulations to the branch offices that successfully achieved one hundred percent of their targets during the first quarter of the fiscal year, and strongly encouraged the remaining branches to approach their duties with renewed responsibility, discipline, and positive energy. CEO Gyawali further emphasized the importance of teamwork, accountability, and maintaining institutional discipline to collectively achieve branch-level goals and strengthen the institution’s reputation nationwide.
The gathering also included a formal review of the first-quarter performance and a detailed discussion on the semi-annual targets. Staff participation in internal examinations further underlined the focus on professional development and continuous improvement.
Institutional Reach and Social Impact
Aarambha Chautari Laghubitta currently operates an expansive network of 140 branch offices across 57 districts in all seven provinces of Nepal. The institution remains true to its core microfinance mission, serving low-income women in rural areas through vital financial inclusion programs. These offerings include collateral-free loans, necessary skill-based training, and essential financial literacy programs, directly contributing to socio-economic upliftment.
As of Mid-October 2025, the institution has demonstrated impressive outreach and financial mobilization:
Savings Collection: The institution has successfully collected 1.89 billion rupees in savings from its 103,000 members.
Loan Disbursement: It has disbursed 5.64 billion rupees in loans to 33,000 borrowers, underscoring its pivotal role in providing access to credit for productive purposes in the rural economy.
The completion of this province-wide training marks a critical step in ensuring that the institution’s robust field operation is managed effectively and securely, positioning Aarambha Chautari Laghubitta for genuinely sustainable growth.
For More: Aarambha Chautari Risk Assessment
