Micro-Finance Programs

Generally targeted disabled and older people as well as their parents and Volunteers. It is the provision of financial services such as loans, saving.It has made an effort to economic status of members, through various schemes of deposits and loans. It is provided to disabled members through micro-credit loans for set-up costs to buy tools and materials so that can start their small businesses. Important is seeking sponsors from the local community and overseas to cover disabled members' special school fees and rehabilitation costs.
Saving Scheme
General Saving AccountThe amount will be invested in Travel Agency, Home Stay , Hamro Pasal" and Rehabilitation Clinic.
- 36% annual interest.
- Deposit facility of up to Rs 200000 per month.
- Minimum balance of Rs 25000 and a minimum period of 1 year.
- Facility of deposit on a daily, weekly, fortnightly or monthly basis.
- Only for disabled and older people over the age of 60 Years.
- Withdrawal facility of up to Rs 25,000 per month.
Credit Scheme
Types of Loan- Trade/Business Loan
- Education Loan
- Group Guarantee Loan
VADNepal बिशेष बचत योजना
VAD Nepal ले यसका कार्यहरू प्रति चासो राख्ने सबैकालागी बिशेष बचत योजना सञ्चालन गरिएको जानकारी गराउदछौ l
बिशेष बचत योजना | दैनिक बचत गर्नु पर्ने रकम (रु) | एक बर्ष पछि प्राप्त हुने रकम (रु) |
125/-
| 50000/-
|
500/-
| 200000/-
|
1000/-
| 400000/-
|
2000/-
| 800000/-
|
पालना गर्नु पर्ने नियमहरु - खाता खोल्नु पूर्व संस्था को सदस्यता लिएको हुनु पर्दछ l
- खातामा रकम राख्दा दैनिक नछुटाई ३६५ दिन सम्म रकम जम्मा गर्नु पर्नेछ l विदाका दिनहरुको रकम विदा अगाड़ी नै राख्नु पर्ने छ l
- यस योजना अंतर्गत जम्मा गरेको रकम समय अवधी अगावै झिक्न पाइने छैन l यदि झिकेमा सुबिधा बाट बंचित गराइनुका साथै झिकेको रकमको १५% कट्टा गरिने छ l
सुबिधाहरु
- यस योजनामा प्राप्त ब्याज मा लाग्ने कर संस्था ले नै ब्योहोर्ने छ l
- यस संस्था बाट प्राप्त हुने सेवाहरुको शुल्कमा बिशेष छुटका साथै घर दैलो सेवा प्राप्त हुने छ l
- जम्मा भएको रकम को ९० % सम्म कर्जा उपलब्द गराइने छ l