Laxmi Laghubitta
Bittiya Sanstha Ltd. 

 Kathmandu-03, Kapan Marg, Maharajgunj, Kathmandu, Nepal
Tel:+977-1-4373682  /  4370548            

Fax 977-1-4374234 

Loan Delivery Model

Modified Grameen bank, Bangladesh model (GB):in which a group of five to 8 people federate to form a "Center".  "Center" is a place where minimum two and maximum 8 groups meet regularly for financial transactions. In this model credit is provided to individual one without collateral.


Joint Liability Group model (JLG): This model has been applied in urban areas where individual loan is provided in a group of 3 to 5 people. This loan targets to business people and provided without physical collateral on the project appraisal basis  


Individual Lending model:  This is collateralized loan in which loan is provided to individuals based on project and client appraisal.