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<strong>--By TC Correspondent</strong></div>
<div>
</div>
<div>
Of the total farm households in the country, nearly 79 percent lack access to formal financial services provided by banks and financial institutions (BFIs). According to bankers, </div>
<div>
a huge majority of farmers do not have access to agro loans as the BFIs are yet to penetrate the rural areas. The process of sanctioning loans to farmers is not hassle-free even where the BFIs are present, as revealed by the National Agriculture Census Report 2011/12.</div>
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According to the Report, 3,831,093 households in the country own land. Out of them, only 835,921 households (21.81 per cent) have availed agro loans. This means a whopping 2,995,172 households do not have access to bank loans. The Report says that of the total farm households, 42 per cent have said that they need agro loans.</div>
<div>
</div>
<div>
President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.</div>
<div>
</div>
<div>
President of Development Bankers Association, Nepal, and CEO of Kaliash Development Bank, Krishna Raj Lamichhane accepts that the agricultural loan flow from the BFIs at present is not enough. “We need a special policy to increase farmers’ access to financial services,” says Lamichhane.</div>
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The latest census shows that of the farmers who have taken loans for agricultural purpose, 34.57 per cent have borrowed from their relatives. Similarly, 16.61 per cent of such farmers have borrowed from the Agricultural Development Bank, 8.67 per cent from the commercial banks, 15.67 per cent from cooperatives, 9.73 per cent from farmers’ groups, 12.95 per cent from women’s groups, and 5.78 per cent have borrowed from ‘others’.</div>',
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<strong>--By TC Correspondent</strong></div>
<div>
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<div>
Of the total farm households in the country, nearly 79 percent lack access to formal financial services provided by banks and financial institutions (BFIs). According to bankers, </div>
<div>
a huge majority of farmers do not have access to agro loans as the BFIs are yet to penetrate the rural areas. The process of sanctioning loans to farmers is not hassle-free even where the BFIs are present, as revealed by the National Agriculture Census Report 2011/12.</div>
<div>
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<div>
According to the Report, 3,831,093 households in the country own land. Out of them, only 835,921 households (21.81 per cent) have availed agro loans. This means a whopping 2,995,172 households do not have access to bank loans. The Report says that of the total farm households, 42 per cent have said that they need agro loans.</div>
<div>
</div>
<div>
President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.</div>
<div>
</div>
<div>
President of Development Bankers Association, Nepal, and CEO of Kaliash Development Bank, Krishna Raj Lamichhane accepts that the agricultural loan flow from the BFIs at present is not enough. “We need a special policy to increase farmers’ access to financial services,” says Lamichhane.</div>
<div>
</div>
<div>
The latest census shows that of the farmers who have taken loans for agricultural purpose, 34.57 per cent have borrowed from their relatives. Similarly, 16.61 per cent of such farmers have borrowed from the Agricultural Development Bank, 8.67 per cent from the commercial banks, 15.67 per cent from cooperatives, 9.73 per cent from farmers’ groups, 12.95 per cent from women’s groups, and 5.78 per cent have borrowed from ‘others’.</div>',
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<strong>--By TC Correspondent</strong></div>
<div>
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<div>
Of the total farm households in the country, nearly 79 percent lack access to formal financial services provided by banks and financial institutions (BFIs). According to bankers, </div>
<div>
a huge majority of farmers do not have access to agro loans as the BFIs are yet to penetrate the rural areas. The process of sanctioning loans to farmers is not hassle-free even where the BFIs are present, as revealed by the National Agriculture Census Report 2011/12.</div>
<div>
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<div>
According to the Report, 3,831,093 households in the country own land. Out of them, only 835,921 households (21.81 per cent) have availed agro loans. This means a whopping 2,995,172 households do not have access to bank loans. The Report says that of the total farm households, 42 per cent have said that they need agro loans.</div>
<div>
</div>
<div>
President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.</div>
<div>
</div>
<div>
President of Development Bankers Association, Nepal, and CEO of Kaliash Development Bank, Krishna Raj Lamichhane accepts that the agricultural loan flow from the BFIs at present is not enough. “We need a special policy to increase farmers’ access to financial services,” says Lamichhane.</div>
<div>
</div>
<div>
The latest census shows that of the farmers who have taken loans for agricultural purpose, 34.57 per cent have borrowed from their relatives. Similarly, 16.61 per cent of such farmers have borrowed from the Agricultural Development Bank, 8.67 per cent from the commercial banks, 15.67 per cent from cooperatives, 9.73 per cent from farmers’ groups, 12.95 per cent from women’s groups, and 5.78 per cent have borrowed from ‘others’.</div>',
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<strong>--By TC Correspondent</strong></div>
<div>
</div>
<div>
Of the total farm households in the country, nearly 79 percent lack access to formal financial services provided by banks and financial institutions (BFIs). According to bankers, </div>
<div>
a huge majority of farmers do not have access to agro loans as the BFIs are yet to penetrate the rural areas. The process of sanctioning loans to farmers is not hassle-free even where the BFIs are present, as revealed by the National Agriculture Census Report 2011/12.</div>
<div>
</div>
<div>
According to the Report, 3,831,093 households in the country own land. Out of them, only 835,921 households (21.81 per cent) have availed agro loans. This means a whopping 2,995,172 households do not have access to bank loans. The Report says that of the total farm households, 42 per cent have said that they need agro loans.</div>
<div>
</div>
<div>
President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.</div>
<div>
</div>
<div>
President of Development Bankers Association, Nepal, and CEO of Kaliash Development Bank, Krishna Raj Lamichhane accepts that the agricultural loan flow from the BFIs at present is not enough. “We need a special policy to increase farmers’ access to financial services,” says Lamichhane.</div>
<div>
</div>
<div>
The latest census shows that of the farmers who have taken loans for agricultural purpose, 34.57 per cent have borrowed from their relatives. Similarly, 16.61 per cent of such farmers have borrowed from the Agricultural Development Bank, 8.67 per cent from the commercial banks, 15.67 per cent from cooperatives, 9.73 per cent from farmers’ groups, 12.95 per cent from women’s groups, and 5.78 per cent have borrowed from ‘others’.</div>',
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<strong>--By TC Correspondent</strong></div>
<div>
</div>
<div>
Of the total farm households in the country, nearly 79 percent lack access to formal financial services provided by banks and financial institutions (BFIs). According to bankers, </div>
<div>
a huge majority of farmers do not have access to agro loans as the BFIs are yet to penetrate the rural areas. The process of sanctioning loans to farmers is not hassle-free even where the BFIs are present, as revealed by the National Agriculture Census Report 2011/12.</div>
<div>
</div>
<div>
According to the Report, 3,831,093 households in the country own land. Out of them, only 835,921 households (21.81 per cent) have availed agro loans. This means a whopping 2,995,172 households do not have access to bank loans. The Report says that of the total farm households, 42 per cent have said that they need agro loans.</div>
<div>
</div>
<div>
President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.</div>
<div>
</div>
<div>
President of Development Bankers Association, Nepal, and CEO of Kaliash Development Bank, Krishna Raj Lamichhane accepts that the agricultural loan flow from the BFIs at present is not enough. “We need a special policy to increase farmers’ access to financial services,” says Lamichhane.</div>
<div>
</div>
<div>
The latest census shows that of the farmers who have taken loans for agricultural purpose, 34.57 per cent have borrowed from their relatives. Similarly, 16.61 per cent of such farmers have borrowed from the Agricultural Development Bank, 8.67 per cent from the commercial banks, 15.67 per cent from cooperatives, 9.73 per cent from farmers’ groups, 12.95 per cent from women’s groups, and 5.78 per cent have borrowed from ‘others’.</div>',
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<strong>--By TC Correspondent</strong></div>
<div>
</div>
<div>
Of the total farm households in the country, nearly 79 percent lack access to formal financial services provided by banks and financial institutions (BFIs). According to bankers, </div>
<div>
a huge majority of farmers do not have access to agro loans as the BFIs are yet to penetrate the rural areas. The process of sanctioning loans to farmers is not hassle-free even where the BFIs are present, as revealed by the National Agriculture Census Report 2011/12.</div>
<div>
</div>
<div>
According to the Report, 3,831,093 households in the country own land. Out of them, only 835,921 households (21.81 per cent) have availed agro loans. This means a whopping 2,995,172 households do not have access to bank loans. The Report says that of the total farm households, 42 per cent have said that they need agro loans.</div>
<div>
</div>
<div>
President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.</div>
<div>
</div>
<div>
President of Development Bankers Association, Nepal, and CEO of Kaliash Development Bank, Krishna Raj Lamichhane accepts that the agricultural loan flow from the BFIs at present is not enough. “We need a special policy to increase farmers’ access to financial services,” says Lamichhane.</div>
<div>
</div>
<div>
The latest census shows that of the farmers who have taken loans for agricultural purpose, 34.57 per cent have borrowed from their relatives. Similarly, 16.61 per cent of such farmers have borrowed from the Agricultural Development Bank, 8.67 per cent from the commercial banks, 15.67 per cent from cooperatives, 9.73 per cent from farmers’ groups, 12.95 per cent from women’s groups, and 5.78 per cent have borrowed from ‘others’.</div>',
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Of the total farm households in the country, nearly 79 percent lack access to formal financial services provided by banks and financial institutions (BFIs). According to bankers,
a huge majority of farmers do not have access to agro loans as the BFIs are yet to penetrate the rural areas. The process of sanctioning loans to farmers is not hassle-free even where the BFIs are present, as revealed by the National Agriculture Census Report 2011/12.
According to the Report, 3,831,093 households in the country own land. Out of them, only 835,921 households (21.81 per cent) have availed agro loans. This means a whopping 2,995,172 households do not have access to bank loans. The Report says that of the total farm households, 42 per cent have said that they need agro loans.
President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.
President of Development Bankers Association, Nepal, and CEO of Kaliash Development Bank, Krishna Raj Lamichhane accepts that the agricultural loan flow from the BFIs at present is not enough. “We need a special policy to increase farmers’ access to financial services,” says Lamichhane.
The latest census shows that of the farmers who have taken loans for agricultural purpose, 34.57 per cent have borrowed from their relatives. Similarly, 16.61 per cent of such farmers have borrowed from the Agricultural Development Bank, 8.67 per cent from the commercial banks, 15.67 per cent from cooperatives, 9.73 per cent from farmers’ groups, 12.95 per cent from women’s groups, and 5.78 per cent have borrowed from ‘others’.
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Of the total farm households in the country, nearly 79 percent lack access to formal financial services provided by banks and financial institutions (BFIs). According to bankers, </div>
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According to the Report, 3,831,093 households in the country own land. Out of them, only 835,921 households (21.81 per cent) have availed agro loans. This means a whopping 2,995,172 households do not have access to bank loans. The Report says that of the total farm households, 42 per cent have said that they need agro loans.</div>
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The latest census shows that of the farmers who have taken loans for agricultural purpose, 34.57 per cent have borrowed from their relatives. Similarly, 16.61 per cent of such farmers have borrowed from the Agricultural Development Bank, 8.67 per cent from the commercial banks, 15.67 per cent from cooperatives, 9.73 per cent from farmers’ groups, 12.95 per cent from women’s groups, and 5.78 per cent have borrowed from ‘others’.</div>',
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<div>
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President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.</div>
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President of Development Bankers Association, Nepal, and CEO of Kaliash Development Bank, Krishna Raj Lamichhane accepts that the agricultural loan flow from the BFIs at present is not enough. “We need a special policy to increase farmers’ access to financial services,” says Lamichhane.</div>
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<div>
a huge majority of farmers do not have access to agro loans as the BFIs are yet to penetrate the rural areas. The process of sanctioning loans to farmers is not hassle-free even where the BFIs are present, as revealed by the National Agriculture Census Report 2011/12.</div>
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<div>
President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.</div>
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<div>
President of Development Bankers Association, Nepal, and CEO of Kaliash Development Bank, Krishna Raj Lamichhane accepts that the agricultural loan flow from the BFIs at present is not enough. “We need a special policy to increase farmers’ access to financial services,” says Lamichhane.</div>
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<div>
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<div>
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<div>
</div>
<div>
President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.</div>
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<strong>--By TC Correspondent</strong></div>
<div>
</div>
<div>
Of the total farm households in the country, nearly 79 percent lack access to formal financial services provided by banks and financial institutions (BFIs). According to bankers, </div>
<div>
a huge majority of farmers do not have access to agro loans as the BFIs are yet to penetrate the rural areas. The process of sanctioning loans to farmers is not hassle-free even where the BFIs are present, as revealed by the National Agriculture Census Report 2011/12.</div>
<div>
</div>
<div>
According to the Report, 3,831,093 households in the country own land. Out of them, only 835,921 households (21.81 per cent) have availed agro loans. This means a whopping 2,995,172 households do not have access to bank loans. The Report says that of the total farm households, 42 per cent have said that they need agro loans.</div>
<div>
</div>
<div>
President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.</div>
<div>
</div>
<div>
President of Development Bankers Association, Nepal, and CEO of Kaliash Development Bank, Krishna Raj Lamichhane accepts that the agricultural loan flow from the BFIs at present is not enough. “We need a special policy to increase farmers’ access to financial services,” says Lamichhane.</div>
<div>
</div>
<div>
The latest census shows that of the farmers who have taken loans for agricultural purpose, 34.57 per cent have borrowed from their relatives. Similarly, 16.61 per cent of such farmers have borrowed from the Agricultural Development Bank, 8.67 per cent from the commercial banks, 15.67 per cent from cooperatives, 9.73 per cent from farmers’ groups, 12.95 per cent from women’s groups, and 5.78 per cent have borrowed from ‘others’.</div>',
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a huge majority of farmers do not have access to agro loans as the BFIs are yet to penetrate the rural areas. The process of sanctioning loans to farmers is not hassle-free even where the BFIs are present, as revealed by the National Agriculture Census Report 2011/12.',
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<strong>--By TC Correspondent</strong></div>
<div>
</div>
<div>
Of the total farm households in the country, nearly 79 percent lack access to formal financial services provided by banks and financial institutions (BFIs). According to bankers, </div>
<div>
a huge majority of farmers do not have access to agro loans as the BFIs are yet to penetrate the rural areas. The process of sanctioning loans to farmers is not hassle-free even where the BFIs are present, as revealed by the National Agriculture Census Report 2011/12.</div>
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According to the Report, 3,831,093 households in the country own land. Out of them, only 835,921 households (21.81 per cent) have availed agro loans. This means a whopping 2,995,172 households do not have access to bank loans. The Report says that of the total farm households, 42 per cent have said that they need agro loans.</div>
<div>
</div>
<div>
President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.</div>
<div>
</div>
<div>
President of Development Bankers Association, Nepal, and CEO of Kaliash Development Bank, Krishna Raj Lamichhane accepts that the agricultural loan flow from the BFIs at present is not enough. “We need a special policy to increase farmers’ access to financial services,” says Lamichhane.</div>
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The latest census shows that of the farmers who have taken loans for agricultural purpose, 34.57 per cent have borrowed from their relatives. Similarly, 16.61 per cent of such farmers have borrowed from the Agricultural Development Bank, 8.67 per cent from the commercial banks, 15.67 per cent from cooperatives, 9.73 per cent from farmers’ groups, 12.95 per cent from women’s groups, and 5.78 per cent have borrowed from ‘others’.</div>',
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<strong>--By TC Correspondent</strong></div>
<div>
</div>
<div>
Of the total farm households in the country, nearly 79 percent lack access to formal financial services provided by banks and financial institutions (BFIs). According to bankers, </div>
<div>
a huge majority of farmers do not have access to agro loans as the BFIs are yet to penetrate the rural areas. The process of sanctioning loans to farmers is not hassle-free even where the BFIs are present, as revealed by the National Agriculture Census Report 2011/12.</div>
<div>
</div>
<div>
According to the Report, 3,831,093 households in the country own land. Out of them, only 835,921 households (21.81 per cent) have availed agro loans. This means a whopping 2,995,172 households do not have access to bank loans. The Report says that of the total farm households, 42 per cent have said that they need agro loans.</div>
<div>
</div>
<div>
President of Nepal Bankers’ Association and CEO of Citizens Bank International, Rajan Singh Bhandari informed The Corporate that though banks have increased their investment in the agriculture sector, the banks have not been able to take financial services to all farmers. “The commercial banks lack the capacity to take financial services to all the farming households in the country,” he said.</div>
<div>
</div>
<div>
President of Development Bankers Association, Nepal, and CEO of Kaliash Development Bank, Krishna Raj Lamichhane accepts that the agricultural loan flow from the BFIs at present is not enough. “We need a special policy to increase farmers’ access to financial services,” says Lamichhane.</div>
<div>
</div>
<div>
The latest census shows that of the farmers who have taken loans for agricultural purpose, 34.57 per cent have borrowed from their relatives. Similarly, 16.61 per cent of such farmers have borrowed from the Agricultural Development Bank, 8.67 per cent from the commercial banks, 15.67 per cent from cooperatives, 9.73 per cent from farmers’ groups, 12.95 per cent from women’s groups, and 5.78 per cent have borrowed from ‘others’.</div>',
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