Vishnu Ghartimagar of Humin Loreng, Rambha Rural Municipality-4 of Palpa was surprised that Bangur's textbooks were not sold until four years ago. Now the students have started to be 'booked'.

Bangur gives lessons three times a year. In one season, she sells at least one and a half lakh worth of lessons. "In the beginning, I was afraid that nothing would happen," she said, "slowly I increased my weight". Now I am very happy with Bangur breeding.' He now has 10 maws and one Bir (cockerel) as well. 

After half an hour's walk from Humin on the Aryabhanjyang-Rampur road, his village Loreng will be reached. So far, there is no problem in the sale of Bangur. She told that there is a shortage of teachers in Bangur after covid. That is why it is being sold from village to village. 

At the time of Bangurpalan business, students were not sold even for 5000 . She said that now the textbooks are being sold for 7,000. Gharti said that she earned at least 500,000 in a year from beekeeping. "The economic condition of the house has also improved due to the income of the pig farming," she said.  At the time of starting the business, there was a financial crisis at home. After joining the center (group) of poor upliftment microfinance financial institutions, the thought of doing business became . She took a loan of 30,000 without collateral and started raising goats and goats.

Bangur farming, which started with a maw, has now become a professional business. Her husband lives in Oman. Daughters have studied HA, staff nurse . This Bangurpalan has become a helper in the work of paying off the debt of the husband when he goes abroad and educating his daughter. "I have supported the household expenses and education of my daughter by rearing goats," she said, "Now we have also succeeded in connecting the ghderi in Madi Khare, Butwal." She has also reared goats. She said that she managed to earn 150,000 by selling khasibo this year alone.

Manrupa Bishwakarma of Rambha Rural Municipality-4, Humin has the experience of starting a business with an unsecured loan of 30,000 from poor Utthan microfinance. According to him, after starting the business, the financial condition of the family has improved. She said that she managed to earn at least 3,000 daily while running the shop along with the canteen of Janhit Bhagwati Mavi. Manrupa, who runs the Mejkan and Sameer Khaja Ghar, said that they also serve daily lunch (school lunch) in the school. "My husband also works as a potter's shop in Nisdi's Galdha Dhungana Bensi," she said. This has improved our standard of living.'

Jaisara Barghare Magar of Mahakal in Purvkhola rural municipality-4, Devinagar also earns 4 lakhs annually. She also has a grocery store that earned her income by raising goats and goats. He is satisfied with the business he started with a loan of 30,000 from the poor. "I am now successful because I have used the loan properly," she said. Son studies engineering . 

These are the experiences of some exemplary women living in rural areas. In recent times, people have a different view of microfinance financial institutions. But the heads of more than a hundred centers gathered in Aryabhanjyang said that they have no such problem. Sundari Rayamazhi of Bagnaskali rural municipality-3, Nairanmatles said, "We have managed the group operation correctly, "The habits of taking loans and saving have been developed and the work of becoming entrepreneurs and businessmen has continued . 

Bhagwatisara Ghartimagar of Purvkhola Rural Municipality-4, Devinagar said that she was happy about the income she got by taking loans from the group. He said that he was able to earn from 1 to 150 thousand by staying at home.

Nirdhan is under the Aryabhanjang branch of four rural municipalities. According to Branch Head (Manager) Sushil Gautam, more than 90 percent of women have developed the idea that after taking a loan, they should save and become independent. "We not only create a center (group) but also tell the advantages/disadvantages of taking a loan," he said. Anita Kharal, an employee of the poor, said that during the time of taking a loan, they would discuss with the family, not use the loan in unproductive areas, and request them to take the loan according to their capacity. "It is said that we should be clear about what we are going to take a loan for," she said, "We have also been making people aware of taking loans and giving them to others." Under this, there are only 143 centers and 2440 members. Among them, 566 people have public accounts and 1,828 people are debtors. There is only 178.6 million loan investment in four municipalities and 328.7 million savings. The head and members of the group/centre have been providing grants for maternity nutrition expenses, divine/natural relief, scholarships, and support for serious illnesses. Branch head Gautam said that insurance for members along with parents, financial literacy, center head workshops, skill development training, financial literacy have been provided to benefited members. 2,000 for maternity nutrition for

members, 5,000 for the treatment of serious diseases (kidney, cancer, brain tumor, uterine surgery, paralysis, loss of both eyes) . 3,000 to those who have suffered snakebite or fire burns, 50,000 to a provincial-level entrepreneur woman and a businessman. Single women, conflict victims, free workers, Dalits are given 1 percent discount in interest rate.  In the

district, branch offices are operating in Jagbadi (Rampur Municipality-9), Chhahara and Tansen Municipality-7, Banstari. Nirdhan has branches and 10 regional offices in 77 districts across the country. It has expanded its services to 552 local levels through 185 branches in 77 districts. 3 lakh 99 thousand 828 members are connected with the poor while 1 lakh 81 thousand 787 people have been working to earn various business income by taking loans. The poor have 25 billion 95 million in investments and 20 billion 500 million in savings.