After the lockdown due to covid, I was sitting in this house and checking emails. In it was an email, from National Geographic. There I was asked to join a video call. Why, what for? didn't know

When I joined the video call, an unexpected joy awaited me. In particular, I have been nominated for National Geographic's 'Emerging Explorer' award. And received the 'Class of Emerging Explorer' award of 2020. The award is primarily given to young people from around the world who have done outstanding work on environmental change. 

Such awards will boost morale. And, they will inspire you to be more strong in your work. At that time, I was instrumental in connecting women with technology and the environment to become entrepreneurs. This was a strategy to make women entrepreneurs who were not literate, did not have a base for any enterprise, and did not receive any financial support from the bank.

Under this, arrangements are made for any woman to invest by taking a loan from a bank or financial institution to start a business. Such financial projects are conducted especially for environment-friendly small enterprises. How to get a loan from the bank? How to invest? We do narrow work for those who don't have basic financial knowledge of how to reap the benefits.

Friend Tiffany Tong supported me for this task. I met him in America's Silicon Valley. I went to Silicon Valley, which is considered to be the center of the technology world, for training after receiving a scholarship from Nepal. I graduated in computer engineering. I then moved to Silicon Valley with the opportunity to participate in the Global Solutions Program at Singularity University, which is part of the NASA Ames. From a young age, I was interested in learning about space and pursuing a career in that field. However, my path changed when I met Tiffany in Silicon Valley. After training there for four months, we returned to Nepal and established the organization 'Aloi'. This is the year 2019. 

The literal meaning of alloy is a metal made by using or mixing two metals to strengthen an object. This is why the company was named Alloy, meaning that the two sides of finance and technology will be strengthened professionally. Through this organization, we have worked to bring financial access to the women in the 'grass roots' and arrange the necessary procedures for some kind of enterprise. Those who want to do something in farming, dairy production, coffee enterprise were our priority. 

In 2017, in Silicon Valley, we started working on soil testing technology so that if we work in the agricultural sector, we can reach the common people. But this technology was found to be expensive for farmers. So we learned that money is the biggest problem for an ordinary farmer for necessary investment. 

People want to do business ventures. But they don't have money to invest. There is no way to mobilize money. We have developed software for such people to get bank and financial support. Through that, a mechanism was created to prepare their necessary documents and submit them to the financial institution. This made it easier for them to approach banks and get financial assistance. Along with that we gave them financial literacy training. This made it possible for them to invest the loan received at the right time, in the right place, in the right way.  In all these works, especially

, we connected technology. The money they received was also received in the form of tokens. Even to spend it, one had to enter the digital system. By doing this, they would not only reduce the risk of going into debt by spending wildly, but the transaction would also be clear and transparent. 

Why did I do this? What led me to this? It has a separate story. 

Especially I was born in a normal family. My parents could not read and write. Father started a garment business to support the family. Before that, my father spent all the money he earned on garments. However, the garment business sank. 

Then the father planned to drive Vikram Tempo for a living. But how to buy tempo? He had no money. Took a loan from the bank but had to go through a lot of trouble in the process. Jaso took a loan and started running Tempo. He also added another tempo from its earnings. However, the government banned the Vikram Tempo from running due to pollution. After the fair was also taken away, he prepared to buy a microbus and drive it. For this too he had to take a loan from the bank. At this time he got a loan from the bank at a cheap interest rate. 

How difficult is it for the people of the 'grass roots' to reach the bank, why the bank does not trust them, how their skills and energy are wasted when financial support becomes difficult? I learned everything from my father's suffering. So I wanted to help people like my father by becoming a Sanghu, so that they don't have to suffer like my father. I wanted to help them to get loans easily from banks and financial institutions, to use the loans properly and to become entrepreneurs on their own. 

I went to the Tempo office to see how many Tempo drivers are still there who are facing the same problem as my father. However, being an introvert, I felt uncomfortable keeping my own words. So after leaving there I reached near Ratnapark and sat in a tempu driven by a sister. 

After traveling with her for some time, I tried to understand her sorrows and joys. He goes to the garage at lunch time to charge the battery. Met other tempo driver sisters there. As I was doing the research, I found out that they were suffering from the Tempo's battery. No matter how many battery changes, it will not last more than 6 months. Money is not enough to buy a good battery. A battery costs 10-12 lakh rupees. 

How to spend so much money to buy a battery? Do you have money with you? Does a cooperative or bank give loans?

After coming back from there, we made a plan — aim at a clean tempo and do something. We have created a mechanism to facilitate with financial institutions to raise the money needed especially for batteries. Under that, arrangements have been made to prepare documents for those who need money through our organization. By submitting that document to the relevant bank or financial institution, we assisted with the technology to ensure easy access to the loan and the proper utilization of the loan. 

To manage all these tasks we have a software called Krishala and Power Power from a fintech company called Alloy. The details of the person who wants to do a business are kept in this software. Banks give loans by looking at their details. Through this, loans can be provided to small entrepreneurs in a transparent manner. This rule has been adopted to avoid fraud or hassle while taking loan. The loan is received in the form of digital tokens. 

Female drivers of Safa Tempo running in Kathmandu have been using digital tokens. It has also supported those who want to learn to drive a tempo and start their own business. As a result, the participation of women in this field is increasing. As a result, it has expanded to outside Kathmandu, Dhading, Nuwakot, Sindhupalchok, Makwanpur, Chitwan, Nawalparasi, Tanahun, Kaski, Rasuwa, Kavrepalanchok. 

Aloi works to gather all resources and tools for financial support to women who want to start small businesses. Financial support alone is not enough. They also had to be made technology friendly. While they don't even go to SMS. Afraid to use internet, use apps. So we first taught them to use SMS through the company. 

Now, looking at their convenience, we have made the technology more convenient. Now the offline app is also operational. Now the main question is, how can a common person join us? How to get our service?