News
Two-Day Training on ‘Secured Lending, Business Growth, and Delinquency Control’ Successfully Concludes in Kathmandu
A two-day training program organized by CSD, Nepal concluded successfully at Hotel Hardik in Bagbazar, Kathmandu, on Falgun 12 and 13 (February 24–25, 2026). Titled “Secured Lending, Business Growth, and Delinquency Control,” the training targeted field officers from 8 different MFIs, with a total of 25 participants. In the opening session, the center’s director, Mr. Satish Shrestha, stated that the primary objective was to equip field staff in the microfinance sector with practical knowledge and strategies on risk management, client relationship development, business analysis, and delinquency control. He highlighted that the program was designed to address the rising Non-Performing Loan (NPL) rates in the sector and the daily collection challenges faced by field officers.
The first day’s sessions featured in-depth discussions on delinquency control and the root causes of overdue loans. The training covered institutional, financial management, operational, and external risks faced by microfinance institutions, with a strong focus on identifying and mitigating credit risk, fraud risk, and security risk under operational risks. Nepal Rastra Bank’s latest NPL data (8.58% as of Asoj 2082) was used as a basis to discuss problem-solving strategies. Participants also engaged in practical exercises on calculating the cost of overdue loans, gaining insight into the financial and risk impacts on institutions.
The training analyzed the main causes of delinquency by contrasting traditional vs. new mindsets, linking them to factors related to the institution, members, field staff, centers, and external environment. Participants realized that many issues stem from factors within their own control. Examples from Sri Lanka and South American countries, including a three-step reminder process (polite nudge, penal interest warning, legal action), were shared.
The second day focused on client relationship development, defining it in personal, economic, and social dimensions, with interactive discussions on practical methods. Emphasis was placed on customer service, communication tips (regular contact, value sharing, business empathy, feedback, active listening), and loyalty-building measures (festival greetings, social participation, support during calamities).
Business analysis and growth strategies covered market analysis, local needs identification, product diversification, and market expansion.
Participants expressed that the training provided them with strategies to reduce NPL, strengthen client relationships, and mitigate business risks. One attendee noted, “This program gave us fresh energy and practical tools for better loan recovery and client development in the field.”
According to CSD, this training will contribute significantly to enhancing professionalism and sustainability in the microfinance sector. The center plans to organize more such programs in the coming days.
