| PBV | 6.41 |
| Fiscal Year | 082/083 |
| Quarter | q3 |
| EPS | 29.28 |
| Book Value | RS. 163.92 |
| Paidup Capital | RS. 802685677 |
| Base Rate | 10.87% |
| CD Ratio | 113.23% |
| Spread Rate | 8.28% |
| NPL | 9.88% |
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About Asha Laghubitta Bittiya Sanstha Ltd.
Introduction
Asha Laghubitta Bittiya Sanstha Ltd. is a Class 'D' microfinance institution in Nepal established in 2075 B.S. with the objective of promoting financial inclusion, poverty alleviation, and socio-economic empowerment through accessible and responsible microfinance services.
The institution primarily serves low-income households, women, micro-entrepreneurs, and underserved rural communities by providing financial products designed to improve livelihoods and expand economic opportunities. Through customer-focused microfinance solutions, Asha Laghubitta helps individuals gain access to formal financial services that support income generation, entrepreneurship, and long-term financial stability.
Since its establishment, Asha Laghubitta has remained committed to creating sustainable economic value by delivering inclusive financial services that empower individuals and strengthen local communities. By expanding access to credit and encouraging financial discipline, the institution contributes to Nepal's broader goals of inclusive economic growth and rural development.
Our Commitment
Asha Laghubitta Bittiya Sanstha Ltd. follows a customer-centric approach, ensuring that every financial product and service is designed to meet the diverse needs and aspirations of its clients. The institution is dedicated to providing accessible, affordable, and responsible financial solutions that help customers improve their economic well-being.
Our commitment includes:
Providing responsible microfinance services to underserved and marginalized communities.
Promoting entrepreneurship and self-employment through accessible microloans.
Encouraging savings habits that support long-term financial security.
Delivering reliable, transparent, and customer-focused financial services.
Supporting sustainable livelihood development and community empowerment.
Financial Services
Asha Laghubitta offers a range of microfinance products and services tailored to the needs of individuals and small businesses, including:
Microloans for income-generating activities and small enterprises.
Savings products that encourage financial discipline and asset creation.
Financial solutions designed to support rural households and micro-entrepreneurs.
Services that contribute to poverty reduction and sustainable economic development.
These financial services enable customers to establish or expand small businesses, generate stable income, build assets, and improve their overall quality of life.
Financial Literacy and Community Empowerment
Recognizing that financial inclusion extends beyond access to credit, Asha Laghubitta actively promotes financial literacy and capacity building. The institution conducts financial education, training programs, and awareness initiatives that help customers strengthen their financial knowledge, improve money management skills, and make informed financial decisions.
Special emphasis is placed on empowering women through entrepreneurship, savings, and responsible financial management, enabling them to achieve greater economic independence and contribute to household and community development.
Community Presence
With a network of branches strategically located across rural and semi-urban areas of Nepal, Asha Laghubitta Bittiya Sanstha Ltd. maintains a strong connection with the communities it serves. Its dedicated team works closely with local customers to deliver personalized financial services while building long-term relationships founded on trust, transparency, and mutual growth.
Our Vision
To become a trusted and leading microfinance institution that promotes financial inclusion, entrepreneurship, and sustainable socio-economic development by providing innovative, accessible, and responsible financial services to underserved communities across Nepal.
Our Mission
To empower low-income individuals, women, and micro-entrepreneurs through inclusive microfinance, financial literacy, and customer-focused financial solutions that improve livelihoods, encourage self-reliance, and contribute to sustainable economic development.
By combining responsible lending, community engagement, and continuous innovation, Asha Laghubitta Bittiya Sanstha Ltd. continues to play a meaningful role in expanding financial access, reducing poverty, empowering rural communities, and supporting Nepal's inclusive economic growth.
