By Aurora Ferrari
This booklet offers the result of an entry to monetary companies survey administered to Nepali families in 2005 and explains what hinders entry through low source of revenue families and small companies to monetary associations. The hindrances are pointed out at the foundation of an in-depth research of the functionality of the microfinance zone and of chosen banks.
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Extra info for Access to Financial Services in Nepal (Directions in Development)
Such a registry is crucial for ensuring that lenders that want to use an asset as collateral 34 C O N ST R A I N T S T O I N C R E A SE D AC C E S S can ascertain what rights other lenders may have over the same asset. A centrally held, public registry also provides a convenient method for determining the hierarchy of competing claims on the same asset by different lenders. 3 Because the credit bureau requests information and keeps records only for borrowers with loans above NRs 1 million, it is not useful for small business lending.
For example, Nabil Bank, Himalayan Bank, Nepal Bangladesh Bank, and Nepal Investment Bank have partnered with Doha Bank to offer remittance services to Nepalese workers in Qatar. Still, banks are not large players in the remittance market. And the post office, despite its large network, is insignificant. 13 AC C E S S T O F I NA N C IA L SE RV IC E S I N N E PA L Chapter 1 notes 1 Unless otherwise stated, all the data in this chapter are as of mid-July (for the year indicated), which is the end of the fiscal year in Nepal.
More popular, and even more risky, are perpetually revolving overdrafts. These are approved for 12-month terms. At the end of this period they are reviewed, with a view to revolving or extending for another 12-month term. Most banks make no demands on clients to make principal repayments. As a result many clients pay only interest, without repaying any principal, year after year. Analysis of both the supply and demand has found that this product accounts for the vast bulk of small business lending in Nepal.