One-day training on Microfinance Business Promotion Techniques, Obstacles and Solutions held

September 12, 2026 Dang Ghorahi:

Organized by: Aatmanirbhar Laghubitta Bittiya Sanstha Limited
Date: September 12, 2026
Venue: Mala In Hotel, Ghorahi, Dang
Participants: Branch Managers of Aatmanirbhar Laghubitta Bittiya Sanstha Limited

1. Introduction

Aatmanirbhar Laghubitta Bittiya Sanstha Limited organized a one-day training and interaction program entitled “Microfinance Business Promotion Techniques, Obstacles and Solutions” on September 12, 2026, at Mala In Hotel, Ghorahi. The program was primarily designed for the branch managers of the institution with the objective of strengthening their managerial, leadership, coaching, planning, business promotion, and operational skills.

The training provided participants with practical knowledge and techniques for improving branch performance, managing staff effectively, promoting microfinance services, strengthening savings and loan portfolios, and addressing operational challenges encountered at the branch level. Various resource persons and senior officials of the institution facilitated sessions on management, planning, savings, lending, insurance, information technology, and other thematic issues.

2. Objectives of the Training

The major objectives of the training program were:

To enhance the managerial and leadership capabilities of branch managers.
To clarify the key roles and responsibilities of branch managers.
To develop branch managers as effective coaches, leaders, and motivators.
To provide practical techniques for staff performance management.
To improve branch-level planning and progress monitoring.
To strengthen knowledge of savings mobilization and its impact on institutional performance.
To improve understanding of loan limits and loan repayment systems.
To familiarize participants with the online insurance-related system.
To identify common obstacles in microfinance business operations and discuss practical solutions.
To promote a culture of accountability, teamwork, customer service, and continuous improvement.

3. Inauguration of the Program

The training program was formally inaugurated by Chief Executive Officer (CEO) Mr. Saugat Bir Chaudhary. In his opening remarks, the CEO emphasized the importance of capable and responsible branch managers in achieving the institutional objectives of Aatmanirbhar Laghubitta Bittiya Sanstha Limited.

He highlighted that branch managers are not only responsible for administrative and operational activities but also play a crucial role in motivating employees, developing business, maintaining portfolio quality, strengthening customer relationships, and translating institutional policies into effective branch-level action.

The opening session established the tone for the training by encouraging participants to view their responsibilities from a broader leadership and business-development perspective.

4. Session on Roles of Branch Managers and Leadership

The first major technical session was facilitated by Training Consultant Hit Bahadur Thapa. He presented 10 specific roles of branch managers, highlighting the diverse responsibilities that managers must perform to ensure effective branch operations.

The session emphasized that an effective branch manager should not limit their role to supervision and administrative control. Rather, the manager should function as a coach, leader, and inspirer who helps employees develop their skills, overcome difficulties, achieve targets, and contribute meaningfully to branch performance.

Mr. Thapa encouraged branch managers to build a supportive working environment in which employees receive regular guidance, constructive feedback, motivation, and opportunities for professional development.

5. Staff Performance Management Techniques

Consultant HB Thapa further introduced several practical management tools and approaches that branch managers can use to understand and improve the performance of their staff.

Skill-Will Matrix

The Skill-Will Matrix was introduced as a method for assessing employees based on two major dimensions: their level of skill and their willingness or motivation to perform. The framework helps managers identify whether an employee requires training, motivation, close supervision, delegation, or additional responsibility.

IDEA

The IDEA approach was discussed as a practical framework for dealing with staff performance and workplace situations. Participants were encouraged to use structured thinking rather than relying solely on assumptions or immediate reactions when addressing employee issues.

ABCDE

The ABCDE approach was also discussed as a useful method for analyzing situations, identifying problems, and responding constructively. The session encouraged managers to understand the underlying causes of staff behavior and performance before deciding on an appropriate managerial response.

GROW Method

Mr. Thapa introduced the GROW coaching model, which enables managers to coach employees through a structured process involving goals, current reality, available options, and the way forward. The approach can help branch managers transform routine supervision into developmental coaching.

Overall, this session reinforced the idea that branch managers should develop their employees rather than merely instruct them.

6. Progress Versus Planning

The next session was delivered by Mr. Nirmal Chaudhary on “Progress Vs Planning.” The session focused on the relationship between effective planning and actual branch performance.

Participants were encouraged to compare planned targets with actual achievements and to identify gaps between the two. The discussion emphasized that planning should not be treated as a one-time administrative exercise. Rather, it should be continuously monitored, reviewed, and adjusted according to actual progress.

The session highlighted the importance of setting realistic targets, monitoring key indicators, identifying deviations at an early stage, and taking corrective action to ensure that branch plans translate into measurable results.

7. Savings and Its Effects on Data

Mr. Subir Chaudhary conducted the session on savings and its effects on data. The session focused on the significance of savings mobilization in microfinance operations and the way savings-related performance is reflected in institutional data.

Participants discussed the importance of maintaining accurate savings records and understanding savings trends while making branch-level decisions. The session highlighted that savings are not merely financial figures but also important indicators of customer engagement, branch performance, liquidity, and the overall health of microfinance operations.

The session encouraged branch managers to pay greater attention to savings mobilization and to use available data for informed decision-making.

8. Loan Limit and Loan Repayment System

The session on lending operations was jointly facilitated by Ms. Sushila Giri and Mr. Binay Chaudhary. They discussed important aspects of the loan limit, loan repayment system, and related lending practices.

The facilitators emphasized the need for branch managers and staff to understand and properly implement institutional lending policies. Particular attention was given to responsible lending, appropriate loan limits, repayment discipline, and effective monitoring of loan portfolios.

The session also reinforced the importance of maintaining quality loan portfolios while balancing business expansion with prudent risk management.

9. Online Insurance System Orientation

IT Officer Ms. Pooja Gharti Magar provided an orientation on the online system for filling insurance-related information.

The session was practical and focused on helping participants understand the procedures involved in entering and submitting insurance information through the online system. Participants were familiarized with the necessary steps and encouraged to ensure accuracy and completeness while entering information.

The orientation was particularly relevant for branch managers because effective use of digital systems can reduce errors, improve efficiency, facilitate timely processing, and strengthen service delivery.

10. Thematic Sessions by Senior Officers

The training also included thematic presentations by Senior Officer Mr. Nep Bahadur Chaudhary and Senior Officer Mr. Kalidas Chaudhary. Both resource persons presented their respective thematic issues relevant to branch management and microfinance operations.

Their sessions provided participants with additional perspectives on the operational and managerial responsibilities of branch offices and helped connect the broader institutional objectives with day-to-day branch-level activities.

The inclusion of senior officers in the program also provided an opportunity for participants to learn directly from experienced institutional personnel and to relate the training topics to practical workplace situations.

11. Closing Session

At the conclusion of the training, CEO Mr. Saugat Bir Chaudhary delivered the closing remarks. He thanked all the resource persons, facilitators, and participating branch managers for their active involvement in the program.

In his closing remarks, the CEO emphasized the importance of translating the knowledge gained during the training into practical action at the branch level. He encouraged branch managers to strengthen leadership, improve staff performance, focus on business growth, maintain portfolio quality, and work toward achieving institutional goals through effective teamwork and responsible management.

The CEO formally concluded the training program after expressing his expectations that the knowledge and skills acquired would contribute to improved branch performance and better service to clients.

12. Key Outcomes of the Training

The training program provided several important learning outcomes for the participating branch managers:

Improved understanding of the multifaceted roles and responsibilities of branch managers.
Greater awareness of leadership, coaching, motivation, and staff development.
Exposure to practical tools such as the Skill-Will Matrix, IDEA, ABCDE, and GROW.
Better understanding of the importance of planning and continuous progress monitoring.
Increased awareness of savings mobilization and the use of data in branch management.
Improved knowledge of loan limits and repayment systems.
Greater familiarity with the online insurance system.
Opportunity to learn from senior institutional officials and experienced resource persons.
Increased focus on practical solutions to branch-level business and operational challenges.
Encouragement to convert training knowledge into measurable improvements in branch performance.

13. Conclusion

The “Microfinance Business Promotion Techniques, Obstacles and Solutions” training program organized by Aatmanirbhar Laghubitta Bittiya Sanstha Limited was a comprehensive capacity-building initiative aimed at strengthening the effectiveness of branch managers.

The program successfully combined leadership and staff-management concepts with practical aspects of microfinance operations, including planning, savings, lending, repayment, insurance, data, and digital systems. The sessions delivered by CEO Saugat Bir Chaudhary, Consultant HB Thapa, Nirmal Chaudhary, Subir Chaudhary, Sushila Giri, Binay Chaudhary, Pooja Gharti Magar, Nep Bahadur Chaudhary, and Kalidas Chaudhary provided participants with diverse perspectives relevant to their responsibilities.

Most importantly, the training reinforced the principle that successful branch management requires more than achieving financial targets. It requires effective leadership, capable and motivated employees, sound planning, responsible lending, strong savings mobilization, data-based decision-making, technological competence, and a continuous commitment to improvement.

The program concluded successfully with the closing remarks of CEO Saugat Bir Chaudhary. It is expected that the knowledge, skills, and management techniques gained through the training will be applied by the participating branch managers in their respective branches, ultimately contributing to improved institutional performance, stronger customer service, and sustainable growth of Aatmanirbhar Laghubitta Bittiya Sanstha Limited.

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