Report on Entrepreneurship Training on Improved …ajummery.com.np/resource/5775_Report on Entrepreneurship...4 1. Background Th e 'Entrepreneurship Training on Improved Cookstoves

Sanepa, Lalitpur, Nepal.

T: +977 1 5183241. E: [email protected] W: www.ajummery.com.np

Report on

Entrepreneurship Training on Improved Cookstoves

Promotion under Nirdhan Utthan Bank Limited 15-18 March 2017

Prepared by

Ajummery Bikas Foundation Pvt. Ltd.

2

Acknowledgement

The 'Entrepreneurship Training on Improved Cookstoves (ICS)' is a joint effort of Ajummery

Bikas Foundation Pvt. Ltd. (ABF) and Nirdhan Utthan Bank Ltd. (NUBL).

ABF expresses sincere gratitude to CleanStart Project/Alternative Energy Promotion Centre

(AEPC)/United Nations Capital Development Fund (UNCDF) for extending financial support to

conduct this training event. ABF would like to express deep credits to Mr. Prem Sagar Subedi,

Project Coordinator of UNCDF Nepal and Dr. Anita Shankar of John Hopkins University for

providing inputs to shape the training course. ABF is also thankful to Mr. Sopan Bista, Project

Officer of CleanStart Project for coordination support.

ABF highly acknowledges and appreciates the untiring efforts of officials of Regional Offices

(Bhairahawa and Pokhara) and various Branch Offices of NUBL in selection of the participants.

ABF is particularly thankful to Mr. Shankar Prasad Neupane, Regional Manager and Mr.

Krishnakant Adhikari, Branch Manager, Pokhara for supervision and delivery of important

sessions in the training. ABF highly appreciates the coordination support and guidance received

from Mr. Janardan Dev Pant, Chief Executive Officer, Mr. Bhojraj Bashyal, Deputy General

Manager, Mr. Manoj Kumar Yadab, Senior Manager, Mr. Pawan Shrestha, Senior Manager, and

Mr. Jagya Prasad Pant, Manager of NUBL.

Last but not least, ABF is thankful to Mr. Birendra Vaidya, Business Promotion Officer of

Industrial Enterprise Development Institute (IEDI) for facilitating the session on business cycle

through an excellent business game.

______________________________

Subarna Prasad Kapali

Managing Director

Ajummery Bikas Foundation Pvt. Ltd.

Lalitpur, Nepal

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Contents

1. Background ..................................................................................................................................... 4

2. Social Marketing of Clean Cookstoves ........................................................................................... 4

3. Objectives of the Training............................................................................................................... 5

4. Participants ...................................................................................................................................... 5

5. Organisation of the Training ........................................................................................................... 6

5.1 Institutional Readiness ............................................................................................................ 6

5.2 Development of the course ..................................................................................................... 6

5.3 Conduction of the Training ..................................................................................................... 7

6. Evaluation of the Training ............................................................................................................ 14

7. Conclusion .................................................................................................................................... 16

8. Post Training Development .......................................................................................................... 17

Annex

4

1. Background

The 'Entrepreneurship Training on Improved Cookstoves (ICS)' has been conducted jointly by

Ajummery Bikas Foundation Pvt. Ltd. (ABF) and Nirdhan Utthan Bank Ltd. (NUBL) for selected

entrepreneur clients associated with NUBL with support from CleanStart Project of Alternative

Energy Promotion Centre (AEPC) and UNCDF. The training was conducted from 15-18 March

2017 in Pokhara, Nepal.

The idea for conducting the training evolved following ABF's participation as resource persons

at various Branch Management Training events of NUBL where discussions were focused on ICS

and its social marketing approach linked with micro-finance. With coordination support from

UNCDF/CleanStart and Winrock International Nepal Office, ABF participated in the events held

at Kathmandu, Birgunj, Bhairahawa, Pokhara and Nepalgunj. A common understanding was

developed among the stakeholders that in order for commercialization of the ICS market,

promoting local women and men as local supply chain actors is essential. In this pretext, ABF

and NUBL planned a training event on ICS entrepreneurship targeting local women and men

affiliated with NUBL through its various branch offices. While ABF took the lead in conducting

the training, NUBL extended support in selection of participants from its client base and also

facilitating a couple of sessions financing aspects.

Nirdhan Utthan Bank Limited, "the bank for upliftment of the poor" is a microfinance bank

established in November 1998 under Company Act of Nepal 1997 (now Company Act 2006).

Nepal Rastra Bank, the Central Bank of Nepal, granted a license in April 1999 to undertake

banking activities under the Development Bank Act 1996. It started its formal operation

from July 1999. Now, operated under Bank and Financial Institutions Act 2006, Nirdhan

Utthan Bank Limited (NUBL) provides microfinance services such as Loans, Deposits, Micro-

insurance and Remittance services to low income families of Nepal. NUBL follows group

lending based on Grameen Bank, Bangladesh model as well as group lending based on NUBL

developed Self-Reliant Group model through a network of 178 branch offices spread over all

75 districts of Nepal.

2. Social Marketing of Clean Cookstoves

Ajummery Bikas Foundation (ABF), established in January 2013, is a private limited company

mandated to work in areas relating to energy, environment, climate change and sustainable

development.

The 'Clean Cookstoves Social Marketing Project' is an initiative of ABF commenced on 1st March

2015. ABF's endeavour is to establish cookstoves as a commercial commodity and develop a

commercially motivated market system for rapid expansion of the market. The project

envisages important role for rural women and men as last mile supply chain actors in the

market system.

5

Social Marketing Concept: ABF is a for-profit

private company. ABF believes that profit can

go along with maximization of social benefits

from the business. Hence, the 'Clean Cookstoves

Social Marketing Project' has been framed

following the social marketing concept. The

three key elements of social marketing concept

include: i) quality product at just price to the

consumers, ii) earning opportunity for

community-based retailers/distributors, and

iii) profit for the company.

The Project aims to promote 75,000 clean cookstoves through 100 women/men entrepreneurs

in three years period contributing to 'Clean Cooking Solutions for All' target of the Government

of Nepal.

3. Objectives of the Training

The objectives of the 'Entrepreneurship Training on Improved Cookstoves (ICS)' were:

To enhance entrepreneurship capacity of the participants focusing on ICS business

To link up the participants with ICS market system being promoted by ABF under its

"Clean Cookstoves Social Marketing Project"

4. Participants

The target participants of the training are women affiliated with beneficiary groups of branch

offices of NUBL. In selecting the participants, preference was given to women members engaged

in micro enterprises or planning to initiate new enterprises.

The potential participants were identified by an application procedure through branch offices of

NUBL. After receiving filled up forms from interested participants, telephonic interview was

administered by ABF. Thus, a total of 19 women and 1 man were given admission to the

training. District-wise distribution of the participants is as below:

Tanahun Lamjung Kaski Parbat Baglung Syangja Palpa Total

Female 1 1 2 2 5 3 5 19

Male 1 1

Affiliated

NUBL

branch

offices

1 1 1 1 3 2 3 12

The occupational background of the participants varied from retail shop keeping (11),

agriculture (3), teaching (1), tailoring (1), and livestock (2). Two female participants did not

mention their current occupation. The retail shops included small grocery, fancy shop,

Earning opportunity for

community based retailers

Quality product at just price to

users Profit to ABF

6

stationary, kitchenware and fresh house. Among those engaged in farming, one was producing

mushroom. Livestock business included cow and pig farming.

The participants came with varying degree of education, two of them being just literate. There

were participants having passed +2 level (3), SLC (6), 10 class (3), 8 class (5), and 5 class (1).

5. Organisation of the Training

5.1 Institutional Readiness

The training was jointly organized by ABF and NUBL with an objective to promote cookstoves

through women entrepreneurs affiliated with the bank and linked to its credit financing

provisions. A MoU was signed between ABF and NUBL outlining responsibilities of both the

parties. The MoU has considered the current training as a pilot; the outcomes of the training will

open up possibility of scaling the effort throughout the country.

The CleanStart Project of AEPC and UNCDF signed an agreement with ABF to be able to provide

funding support for conduction of the training. The CleanStart Project has extended

coordination and advisory support in preparations of the training.

5.2 Development of the course

This is a first of its kind training on renewable energy conducted in the country. Hence, ABF

made considerable effort in developing the training course. In the due process, technical advice

was received from NUBL. The CleanStart Project provided valuable inputs which helped shape

the current course design. Moreover, ABF received feedback from Dr. Anita Shankar of John

Hopkins University on empowerment and leadership sections of the course. The training course

included following modules:

Module 1: Understanding improved cookstoves and its benefits

o Introduction to Improved Cookstoves (ICS)

o Relation of ICS with health, environment, kitchen, gender

Module 2: Empowered entrepreneur

o Empowerment

o Business leadership

Module 3: Understanding of ICS business

o ICS business overview

o Understanding business cycle

Module 4: ICS market systems and financing

o Setting up ICS enterprise - Demand

o Setting up ICS enterprise - Supply

o Setting up ICS enterprise - Finance

o Role and provisions of NUBL in ICS promotion

Module 5: ICS enterprise business planning

o Concept and practice of business plan

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5.3 Conduction of the Training

The training modules were discussed in various sessions over four days. Depending upon the

module, different amount of time was allocated for different sessions. Following proceeding

highlights content and approach of conduction of the sessions.

Day 1

Session 1: Opening and introduction of the participants

This was the opening session organized in an informal manner. Mr. Shankar Prasad Neupane,

Regional Manager of NUBL welcomed the participants and Mr. Gyanendra Raj Sharma, Resource

Person from ABF highlighted the objectives of the training. This was followed by a round of introduction of all participants and gathering participants’ expectations from the training.

The objectives of this session were to:

o Perform icebreaking activity

o Collect participants expectation

o To create Learning Environment

o To Provide course information

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Participants' package included a register for record keeping. The purpose was to make the

participants aware about importance of daily record keeping.

Session 2: Introduction to improved cookstoves

This module was conducted with the objectives of enabling the participants to understand:

o Difference between traditional cookstoves and improved cookstoves

o Different models of improved cookstoves

o Benefits of ICS

Mr. Iswori Prasad Gharti facilitated the session using open discussion, a powerpoint

presentation and demonstration of Ajummery Rocket Stove.

Session 3: Relation of ICS with health, environment, kitchen, gender

The objective of this session was to:

o Highlight diverse implications of ICS use for the consumers

o On health

o On environment and forest conservation

o On improvement of kitchen

o On women and children

9

Mr. Iswori Prasad Gharti facilitated the session using a powerpoint presentation and discussion.

Session 4: Empowerment

The module discussed in this session is based upon Empowered Entrepreneur Training

Handbook developed by Dr. Anita Shankar, Medical Anthropologist of John Hopkins University

and adopted by Global Alliance for Clean Cookstoves

(GACC). The empowerment session was started with

a community agreement between the trainer and the

participants. The first session on the module was

focused on 'my self-my friend' and 'tree of life'. The

session was delivered applying meditation exercises

with background music, followed by individual

exercises on tree of life. Various training methods and

tools such as participant packet, mirror exercises and

sharing of life experiences regarding concern subject

matter were employed during the session.

Mr. Gyanendra Raj Sharma, who is a Certified

Empowered Entrepreneur Trainer, facilitated the

session.

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Day 2

Session 5: Empowerment continued

This part of empowerment session was focused on introduction, concept and practical

experiences aspects regarding the 'limiting belief, core beliefs, cognitive reframing'. Sharing on

limiting belief, developing an understanding of how to reframe these beliefs along with

practices on new beliefs were major subjects of discussion in this session. Cognitive reframing

negative to positive and changing personal behavior were also discussed during the session.

Mr. Gyanendra Raj Sharma facilitated the session applying meditation exercises with

background music. A video on a successful woman entrepreneur was played to facilitate the

discussion on visualization of clear vision of hopes and dreams.

Session 6: ICS business overview

In this session, three case studies were presented through a video and two one-pagers. The

objective of the session was to allow the participants to have overview of ICS business by

learning from successful entrepreneurs. The video highlighted a successful ICS entrepreneur of

Sindhuli district who has won an international award – Women Entrepreneur Award 2017 from

ENERGIA International Network on Gender and Sustainable Energy. The one-pagers highlighted

how three women ICS entrepreneurs of Udayapur district initiated their ICS business, what

challenges they overcame and the success they have achieved. The participants were

encouraged to analyse the case studies and express their views in plenary discussion.

Session 7: Understanding business cycle

In this session, all participants were engaged in a business game facilitated by an expert

resource person, Mr. Birendra Vaidya, Business Promotion Officer of Industrial Enterprise

Development Institute (IEDI). The

game is a simulation of various

scenarios of a start-up micro-

enterprise. The game and

subsequent discussion covered

quality assurance, search for market,

market competition, and loan

financing. Through the game, the

participants were able to

understand various aspects of a

micro-enterprise such as how size of

savings, investment, and

expenditure affects future of a

business.

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Day 3

Session 8: Setting-up ICS business – demand

In this session, the participants discussed on the following:

market segments of ICS business (e.g. rich and poor; urban, semi urban and rural areas;

household and commercial establishment)

factors affecting ICS market (e.g. price, competitive products/options, interventions of

other organisations, government policy)

consumer perspective (e.g. benefits of using ICS; return on investment)

approaches to create demand of ICS (e.g. attending meetings of NUBL beneficiary

groups; demonstration of ICS; coordination with stakeholders; use of marketing tools

such as posters, leaflets, radio jingles, etc.)

Mr. Gyanendra Raj Sharma facilitated the session by applying open discussion approach.

Session 9: Setting-up ICS business – supply

The discussion in this session was focused on:

supply of the products (e.g. manufactured in the country; imported; importance of

quality assurance)

supply affected by size of demand (e.g. transportation cost; stock management

ICS entrepreneurs in the supply chain (e.g. as local supplier or dealer who needs to

invest in her/his own business; as agent of a local supplier whose role is demand

creation and facilitating the supply)

ICS supply chain map (e.g. showing linkages of higher level supply chain actors, local

suppliers and consumers; also showing linkages with NUBL for vendor and consumer

financing)

after sales service (e.g. warranty, consumer education, problem solving)

Mr. Subarna Kapali facilitated the session by applying open discussion approach.

Session 10: Setting-up ICS business – finance

The main points discussed in this session included:

initial investment needed to start an ICS business

how to manage investment fund (e.g. equity, loan from financial institutions)

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investment and profit (e.g. how much should be the sales volume in a month/year)

how do consumers purchase ICS (e.g. self-finance; loan from NUBL to be re-paid on

monthly basis as equal monthly installment)

how to raise the sales money (e.g. cash transactions, not credit)

avoid unnecessary expenditures

keeping record

Mr. Subarna Kapali facilitated the session by applying open discussion approach.

Session 11: Financial products of NUBL

This session highlighted savings and loan provisions of NUBL for micro-entrepreneurs such as

micro-entrepreneur loan, micro-savings, micro insurance, remittance, and renewable energy

loan.

This session was facilitated by Mr. Shankar Prasad Neupane, Regional Manager of NUBL based

in Pokhara, Kaski. A powerpoint was used to guide the discussion

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Session 12: Role of NUBL in ICS promotion

This session highlighted NUBL's efforts on renewable energy promotion through its loan

provisions. Further discussion was focused on NUBL's provisions relating to ICS.

This session was facilitated by Mr. Krishnakant Adhikari, Branch Manager of NUBL based in

Pokhara, Kaski. A powerpoint was used to facilitate the discussion.

Day 4

Session 13: Business leadership

This session is part of the empowered entrepreneur module. The objective was to introduce on

leadership skill, establishing and developing clear vision, problem solving and communication.

The session was focused on characteristics of good leader and bad leader and discussion on

business leadership. The session was delivered by conducting exercise on establishing clear

vision as a business leader, SMART goal setting, discussing examples of proactive/reactive and

tips for problem solving and communication skills. Approaches and tools such as participants'

packet, meditation exercises, individual exercises and sharing of individual thoughts and

feelings were applied.

Mr. Gyanendra Raj Sharma facilitated the session.

Session 14: Concept and practice of business plan

The objective of this session was to give an overview of one-year business scenario of an ICS

business. Using a standard format of business plan for micro-enterprises, the participants

discussed on how variations in target market, investment, expenditure, human resource affects

the business health. Participants practiced filling up the format conceiving a potential business

scenario.

Mr. Subarna Kapali facilitated the session by using a business plan format.

Session 15: Closing session

A brief informal closing session was organized at the end of the training. Two of the participants

highlighted their feelings regarding usefulness of the training and also expressed commitment

to go ahead with ICS business linking with NUBL financing and ABF's supply channel.

Mr. Shankar Prasad Neupane, Regional Manager of NUBL and Mr. Subarna Kapali, Managing

Director of ABF jointly distributed Certificates of Participation to the participants.

Mr. Shankar Prasad Neupane, Regional Manager of NUBL made closing remarks.

At the end of the training programme, ABF distributed one unit of Ajummery Rocket Stove to

each of the participants at nominal cost of Rs 500 (actual price was Rs 3,000). They said they

14

would use the cookstoves themselves first and keep as sample to show to the potential

customers.

6. Evaluation of the Training

The evaluation was carried out at the end of the training. Participants were asked to respond to

a set of objective questions printed on a paper without mentioning their names. The result is as

below:

15

Knowledge about ICS

Knowledge on demand creation

Self-confidence improved from

empowerment session

Knowledge gained from business

game

Knowledge about ICS supply

Knowledge about financial aspect of ICS

Knowledge about loan provisions on ICS

of NUBL

Entrepreneurship development from the

training

72%

28% 0%

Enough

Moderate

Not enough

56%

44%

0%

Enough

Moderate

Not enough

72%

22%

6% Considerably

improved

Moderately

improved

Not improved

83%

6% 11%

Enough

Moderate

Not enough

44%

56%

Enough

Moderate

Not enough

39%

61%

Enough

Moderate

Not enough

50% 50%

Enough

Moderate

Not enough

83%

17% Enough

Moderate

Not enough

16

Training period

Further remarks from the participants

The training enhanced self-confidence as an entrepreneur and an individual

Cognitive awareness improved through 'My self-my friend' session

Learnt a lot of things relating to ICS business through the training

ABF and NUBL should extend support to the participants in coordination with various

stakeholders

Concessional interest rate needed for ICS business

Training duration should be increased

Time for session on business plan should be increased

7. Conclusion

In total, 20 participants from 7 districts affiliated with 12 Branch Offices of NUBL attended the

training. All the sessions were delivered as per training schedule.

Sessions on empowerment and leadership module was effective to develop cognitive awareness

among the participants. Ms. Saraswoti Shrestha on third day said, "From yesterday, I have

started to caring 'self' as 'my friend'. Earlier I was concerned about others only." Ms. Bhim

Kumari Gurung said, "I am 60 years old now. I have realized that I can still rely upon myself and

am able to care other family members." Ms. Sita Bairagi Gurung expressed, "I have understood

that caring my own body is very important before caring family and community members."

Participants have expected coordination support from NUBL for demand creation among the

NUBL affiliated groups.

Participants have also expected technical assistance from ABF for demand creation activities

such as demonstration, meetings as well as audio/visual and other awareness materials (e.g.

poster, leaflets, flexboards, etc.)

0%

89%

11% Enough

Moderate

Not enough

17

As a post training support, business mentoring from ABF is needed in the incubation period of

the ICS business focusing on developing business plan, business registration, business

management (e.g. book keeping, stock management), and product marketing.

8. Post Training Development

After the training following progress have been observed:

On 19th March 2017, Ms. Laxmi Chokhal of Baglung district informed that she had

collected demand for 10 units of Ajummery Rocket Stove and wanted to know more

about demand placement procedure. On 26th March, Laxmi informed that she along with

Ms. Ganga Kumari Khatri had generated demand for 70 units and the immediate

demand could go up to 300 units. They were concerned about investment fund for

which they asked ABF's facilitation for taking loan from NUBL.

On 20th March 2017, Ms. Jhyam Kumari Thapa of Tanahun district called for supply of a

sample ICS. Subsequently, on 23rd March, she placed demand order at ABF for 20 units

by depositing advance Rs 25,000 at the ABF bank account. She received the ICS on 24th

March and by 30th March, she had sold 8 units. She asked ABF's assistance for

demonstration of ICS at the Khaireni Mahotsav to be held from 2nd week of April. She

wanted to know how to air advertisement on ICS in the FM radio. She also demanded

posters and leaflets on ICS.

On 21st March 2017, Ms. Kamala Koirala of Palpa district informed that she had

collected demand for 5 units of ICS. She also wanted to know about demand placement

procedure. Further she informed that family members were happy with the Ajummery

Rocket Stove she used for cooking at her own home.

On 23rd March 2017, Ms. Saraswoti Shrestha of Parbat district informed that she had

collected demand for 5 units of ICS and expecting demand for 5 more units. Further she

informed that community people were happy with the Ajummery Rocket Stove.

On 23rd March 2017, Ms. Khumsari Saru of Palpa district informed that she

demonstrated Ajummery Rocket Stove in a group meeting of NUBL and she received

demand for 25 units. On 27th March 2017, she deposited advance Rs. 30,000 at ABF for

supply of 25 units. The ICS were supplied on 30th March. By 2nd April, Khumisari has

already sold 10 units. She also educated users on how to use the ICS.

On 23rd March 2017, Ms. Basanta Giri of Baglung district informed that she discussed

about ICS at NUBL group meeting where a NUBL staff showed interest on her new

business and she also received demand for 7 units.

On 28th March 2017, Ms. Bhola Acharya of Baglung district asked about procedure of

demand placement, transportation of ICS, and IEC materials. According to her, she will

be placing order for supply of 100 units in the month of Baisakh (after mid April 2017).

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On 30th March 2017, Ms. Devi Sunar of Lamjung district informed that she already had

demand for 30 units. She demanded IEC materials for demand creation. She also wanted

to know about procedure for demand placement at ABF. On 3rd April, Devi informed that

she has already looked for a space to open ICS shop where she would want to keep

samples of various ICS models. She demanded urgent supply of the samples along with

IEC materials. She also wanted to know about fixed type rocket stove. On 4th April, she

deposited advance Rs. 40,000 for supply of 30 ICS at earliest.

On 31st March 2017, Ms. Bhim Kumari Gurung of Syangja district demanded posters

and leaflets for demand creation. She asked about amount of advance needed for placing

demand for 50 units of ICS.

On 31st March 2017, Ms. Min Kumari Majhi of Baglung district informed that she would

attend NUBL group meetings soon. She said she would demand for ICS along with other

ICS entrepreneurs (training participants) from Baglung.

On 3rd April 2017, Ms. Bhim Kumari Gharti of Palpa district demanded 20 units of ICS

and wanted to know about sending the advance amount.

19

Annex 1 List of Participants

S

N Participant Branch Office RO District VDC Photo

1 Anil Kumar

Gandharba

Aryabhanjyan

g

Bhairahaw

a Palpa Tahu

2 Bhim Kumari

Gharti Banstari

Bhairahaw

a Palpa Madanpokhara

3 Jiba Kumari

Shrestha Jagwadi

Bhairahaw

a Palpa Siluwa

4 Kamala Koirala Banstari Bhairahaw

a Palpa Rupse

5 Khumisara Saru Jagwadi Bhairahaw

a Palpa

Rampur

Nagarapalika

6 Sita Giri Aryabhanjyan

g

Bhairahaw

a Palpa Chidiyappani

20

7 Basanta Giri Kharbang Pokhara Baglung Kharbang

8 Bhola Aacharya Kharbang Pokhara Baglung Kharbang

9 Ganga Kumari

Khatri Galkot Pokhara Baglung Harichaur

10 Laxmi Chokhal Galkot Pokhara Baglung Harichaur

11 Min Kumari Majhi Burtibang Pokhara Baglung Waling

12 Sita Bairagi Gurung Putlibazzar Pokhara Kaski Hutunga

13 Tara Thapa Putlibazzar Pokhara Kaski Ram tole

21

14 Devi Sunar Duipiple Pokhara Lamjun

g Syamdha

15 Saraswoti Shrestha Rahale Pokhara Parbat Debisthan

16 Tara Shrestha

Pradhan Rahale Pokhara Parbat Debisthan

17 Bhim Kumari

Gurung Putlibazzar Pokhara Syangja Pauwagadi

18 Harikala Koirala Waling Pokhara Syangja Waling

19 Maya GT Galyang Pokhara Syangja Tulsibhanjhyan

g

20 Jhyam Kumari

Thapa Dulegauda Pokhara

Tanahu

n Dhulegaida

22

Annex 2 List of Resource Persons

SN Name Organisation Position

1 Shankar Prasad Neupane Nirdhan Utthan Bank Ltd. Regional Manager,

Pokhara

2 Krishnakant Adhikari Nirdhan Utthan Bank Ltd. Branch Manager,

Pokhara

3 Birendra Vaidya Industrial Enterprise

Development Institute

Business Promotion

Officer

4 Iswori Prasad Gharti Ajummery Bikas Foundation Field Marketing

Coordinator

5 Gyanendra Raj Sharma Ajummery Bikas Foundation Resource Person

6 Subarna Prasad Kapali Ajummery Bikas Foundation Managing Director

23

Annex 3 Attendance of Participants

24

25

Annex 4 Training Course Schedule

26

Annex 5 Certificate of Participation

27

Annex 6 Case Studies

28