Manakamana Smart laghubitta Bittiya Sanstha limited( MSLBSL) is one of the MFIs licensed by Nepal Rastra Bank as D class financial institution having working area of Lumbini Province for operating microfinancing activities. Contribution of a MFI in creating self empolyment opportunities and strengthening rural economy through easy supply of loan to people who do not have access to micro finance is still needed. Microfinancing has become challanging in recent couple of years. High delivery cost, high cost of fund and high expectations of clients has compelled MFIs to introduce cost effective , more productive and and expanded network.

MKLB is quite aware of institution's both social and economic service supply.Upliftment of socio- economic status of customers is first priority for us. self employment with enterpreneurship skill is the slogan of MKLB . we are aware of the client protection, social performance and sustainability issues. We are committed  to work in increasing financial inclusion and creating benefits for the clients. MKLB is committed to design client friendly products, services, delivery models to meet clients' need.

MKLB was established as Manakamana Laghubitta Bittiya sanstha Limited on 2074/06/25 and  started its operation from  2074/11/06 . Former Smart Laghubitta Bittiya Sanstha Limited was  merged with Manakamana Laghubiita Bittiya Sanstha Limited on 2077/4/11 and  started operation as Manakamana Smart Laghubitta Bittiya Sanstha Ltd (MKLB) . Up to 2079 Poush  end it has  expanded 38 branches in Lumbini Province. we have planned to cover the province with at least one branch in each district within one year. From the Beginning we have paper less banking system and as per the clients convenience and for high productivity we have started SMS alert system for all transactions . We are committed to introduce latest information technology for quick and cost effective service delivery system.

MKLB is highly conscious to provide microfinance service to the poor people residing in the working areas with difficult accessibility . Microfinance itself is not sufficient to achieve the goal of poverty reduction, rather it needs the support of the Govt., policy makers , regulatory authority , commercial banks and all the stake holders for maintaining microfinance friendly invironment so that MFI is able to provide clienlt friendly and productive services.

I would like to express my sincere thankfulness to Promoters, NRB, Govt of Nepal, Board  of  Directors and all concerned authorities and institutions who helped us establish and operate MKLB.

Thanks to all staff for their sincerity, commitment and devotion to run the institution smoothly. Thanks to all the clients associated with us for their attachment and trust in MKLB . On behalf of MKLB I would like to ensure commitment for the qualitative and client friendly services and achievement of institutional goal.

Thank you.

Dev Singh Bist