INTRODUCTION



Unnati laghubitta bittiya Sanstha LTD.  is a “D” class financial Institution licensed by Nepal Rastra Bank as per Bank and Financial Institutions Act 2003. It was established in 2070 B.S. It has planned to serve the underprivileged peoples throughout the country with stellar track record of increasing profitability. UNNATI currently has 29 branch offices on operation covering 15 districts . Once the under privileged peoples were commonly seen as passive victims, microfinance recognizes that the development among them exercising in team. And while the lack of financial services is a sign of poverty, today it is also understood as an unused chance to create markets, bring people in from th