{"id":22512,"date":"2024-04-02T08:24:48","date_gmt":"2024-04-02T06:24:48","guid":{"rendered":"https:\/\/bfconsulting.com\/?page_id=22512"},"modified":"2025-04-10T18:55:22","modified_gmt":"2025-04-10T16:55:22","slug":"bfc-in-nepal-sedra-iii","status":"publish","type":"page","link":"https:\/\/bfconsulting.com\/bfc-in-nepal-sedra-iii\/","title":{"rendered":"BFC in Nepal (SEDRA III)"},"content":{"rendered":"<div id=\"pl-22512\"  class=\"panel-layout\" ><div id=\"pg-22512-0\"  class=\"panel-grid panel-has-style\" ><div class=\"top-header panel-row-style panel-row-style-for-22512-0\" ><div id=\"pgc-22512-0-0\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-0-0-0\" class=\"widget_text so-panel widget widget_custom_html panel-first-child\" data-index=\"0\" ><div class=\"widget_text panel-widget-style panel-widget-style-for-22512-0-0-0\" ><h3 class=\"widget-title\">BFC in Nepal<\/h3><div class=\"textwidget custom-html-widget\"><div class=\"top-quote max800\">BFC opened its office in Nepal in 2018 to implement the KfW funded project SEDRA (Sustainable Economic Development in Rural Areas in Nepal).<\/div><\/div><\/div><\/div><div id=\"panel-22512-0-0-1\" class=\"widget_text so-panel widget widget_custom_html panel-last-child\" data-index=\"1\" ><div class=\"textwidget custom-html-widget\"><style>\n\t.top-img-container{\n\t\tposition: relative;\n\t\tdisplay: block;\n\t}\n\t.top-img{\n    position: absolute;\n    max-width: 150px;\n    top: -60px;\n    right: 20px;\n\t\t}\n\t.top-img-container .h3{\n\t\tfont-size: 1.6em;\n    font-weight: 700;\n\t}\n<\/style><\/div><\/div><\/div><\/div><\/div><div id=\"pg-22512-1\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-22512-1-0\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-1-0-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"2\" ><div class=\"panel-widget-style panel-widget-style-for-22512-1-0-0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p><a href=\"https:\/\/bfconsulting.com\/nepal\/\"><span class=\"b-sh2 top-img-container\" style=\"padding-top: 3em;\"><span class=\"h3\">SEDRA I <img loading=\"lazy\" decoding=\"async\" class=\"top-img alignnone wp-image-9461 size-medium\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2021\/03\/photobook-m-300x220.png\" alt=\"\" width=\"300\" height=\"220\" srcset=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2021\/03\/photobook-m-300x220.png 300w, https:\/\/bfconsulting.com\/wp-content\/uploads\/2021\/03\/photobook-m.png 600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/span><br \/>\n2021\u20132023 (Completed)<\/span><\/a><\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pgc-22512-1-1\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-1-1-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"3\" ><div class=\"panel-widget-style panel-widget-style-for-22512-1-1-0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p><a href=\"https:\/\/bfconsulting.com\/bfc-in-nepal-sedra-ii\/\"><span class=\"b-sh2 top-img-container\" style=\"padding-top: 3em;\"><span class=\"h3\">SEDRA II <img loading=\"lazy\" decoding=\"async\" class=\"top-img alignnone wp-image-9461 size-medium\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2022\/08\/Lord-Stillness-300x220.png\" alt=\"\" width=\"300\" height=\"220\" \/><\/span><br \/>\n2021\u20132023 (Completed)<\/span><\/a><\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pgc-22512-1-2\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-1-2-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"4\" ><div class=\"panel-widget-style panel-widget-style-for-22512-1-2-0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p><span class=\"b-sh2 top-img-container\" style=\"padding-top: 3em;\"><span class=\"h3\">SEDRA III <img loading=\"lazy\" decoding=\"async\" class=\"top-img alignnone wp-image-9461 size-medium\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2024\/08\/sedra3-bowl.png\" alt=\"\" width=\"300\" height=\"220\" \/><\/span><br \/>\n2023\u20132025 (Ongoing)<\/span><\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><div id=\"pg-22512-2\"  class=\"panel-grid panel-has-style\" ><div class=\"pad-2-0 panel-row-style panel-row-style-for-22512-2\" ><div id=\"pgc-22512-2-0\"  class=\"panel-grid-cell panel-grid-cell-mobile-last\" ><div id=\"panel-22512-2-0-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"5\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t><h3 class=\"widget-title\">Sustainable Economic Development in Rural and Semi-Urban Areas in Nepal<\/h3>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-16140 size-full\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2022\/08\/Sedra-logo-2.png\" alt=\"\" width=\"520\" height=\"161\" srcset=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2022\/08\/Sedra-logo-2.png 520w, https:\/\/bfconsulting.com\/wp-content\/uploads\/2022\/08\/Sedra-logo-2-300x93.png 300w\" sizes=\"auto, (max-width: 520px) 100vw, 520px\" \/><\/p>\n<p>This 30-month project aims to strengthen the capacity of partner banks (PBs) to responsibly and sustainably expand their lending activities to micro, small, and medium enterprises (MSMEs) across urban, rural, and agricultural sectors. In addition, the project supports agricultural and rural MSMEs in enhancing financial literacy, improving business management practices, and boosting productivity through the adoption of good agricultural practices.<\/p>\n<p>In 2023, BFC initiated collaboration with the two SEDRA partner banks\u2014Citizens Bank International Limited (CZBIL) and NMB Bank Limited (NMBBL)\u2014mobilizing a team of international and local consultants to foster strong institutional partnerships and begin targeted capacity-building efforts.<\/p>\n<\/div>\n<\/div><\/div><\/div><div id=\"pgc-22512-2-1\"  class=\"panel-grid-cell panel-grid-cell-empty\" ><\/div><\/div><\/div><div id=\"pg-22512-3\"  class=\"panel-grid panel-has-style\" ><div class=\"pad-3-0 siteorigin-panels-stretch panel-row-style panel-row-style-for-22512-3\" data-stretch-type=\"full\" ><div id=\"pgc-22512-3-0\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-3-0-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"6\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t><h3 class=\"widget-title\">SEDRA III \u2013 Project Objectives<\/h3>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p>The overarching goal of the SEDRA III project is to ensure the sustainable provision and effective utilization of a targeted loan portfolio that supports business investments by micro, small, and medium-sized enterprises (MSMEs), with a focus on rural and semi-urban areas of Nepal. The project\u2019s technical assistance component is designed to facilitate the achievement of this objective by strengthening institutional and operational capacities across key stakeholders.<\/p>\n<p><strong>Technical assistance is directed toward three core beneficiary groups:<\/strong><\/p>\n<ol>\n<li><strong>Partner Financial Institutions (PFIs):<\/strong><br \/>\nTo build institutional capacity for the successful implementation of the project and to support the long-term, sustainable delivery of financial services tailored to the rural and semi-urban MSME sector.<\/li>\n<li><strong>Micro, Small, and Medium Enterprises (MSMEs):<\/strong><br \/>\nTo empower entrepreneurs with the skills and knowledge necessary to plan, operate, and grow their businesses effectively, with a strong emphasis on sound financial management.<\/li>\n<li><strong>Nepal Rastra Bank (NRB):<\/strong><br \/>\nTo support the establishment and sustainable operation of the revolving fund, and to provide targeted advisory support on regulatory matters relevant to the project\u2019s objectives.<\/li>\n<\/ol>\n<\/div>\n<\/div><\/div><\/div><div id=\"pgc-22512-3-1\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-3-1-0\" class=\"so-panel widget widget_sow-image panel-first-child panel-last-child\" data-index=\"7\" ><div class=\"nice-image panel-widget-style panel-widget-style-for-22512-3-1-0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-image so-widget-sow-image-default-8b5b6f678277-22512\"\n\t\t\t\n\t\t>\n<div class=\"sow-image-container\">\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2024\/01\/sedra-3-tourism.jpg\" width=\"1000\" height=\"1000\" srcset=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2024\/01\/sedra-3-tourism.jpg 1000w, https:\/\/bfconsulting.com\/wp-content\/uploads\/2024\/01\/sedra-3-tourism-300x300.jpg 300w, https:\/\/bfconsulting.com\/wp-content\/uploads\/2024\/01\/sedra-3-tourism-150x150.jpg 150w, https:\/\/bfconsulting.com\/wp-content\/uploads\/2024\/01\/sedra-3-tourism-768x768.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"\" \t\tclass=\"so-widget-image\"\/>\n\t<\/div>\n\n<\/div><\/div><\/div><\/div><\/div><\/div><div id=\"pg-22512-4\"  class=\"panel-grid panel-has-style\" ><div class=\"pad-2-0 panel-row-style panel-row-style-for-22512-4\" ><div id=\"pgc-22512-4-0\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-4-0-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"8\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t><h3 class=\"widget-title\">Capacity Building for MSMEs: Empowering Growth Through Digital and Inclusive Practices<\/h3>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p>To underscore the importance of digital marketing in today\u2019s business landscape, the SEDRA project offered complimentary digital marketing services to selected MSMEs for a limited period. During this phase, MSMEs received practical guidance on leveraging social media platforms to expand their customer base, target specific market segments, and enhance profitability.<\/p>\n<p>These interventions have significantly empowered MSMEs with the knowledge and digital tools necessary to thrive in an increasingly technology-driven marketplace. Through tailored training and customized resources, the project aimed to foster sustainable growth, resilience, and competitiveness among MSMEs operating in dynamic business environments.<\/p>\n<p>A key achievement has been the shift in mindset among participating MSMEs, who are now more confident in navigating the digital economy. Purpose-built toolkits have supported the creation of a more inclusive business ecosystem\u2014where gender-responsive training goes beyond theory to tangible practice. MSMEs are now better equipped to make informed decisions when selecting digital marketing services from Digital Service Providers (DSPs), unlocking new pathways for growth and profitability.<\/p>\n<p>Our training sessions extended beyond conventional knowledge transfer. They served as a platform for empowerment\u2014ensuring that each participant gained practical insights, applicable skills, and renewed confidence.<\/p>\n<p>As part of our inclusive approach, SEDRA also partnered with <strong>NMB Bank<\/strong> and <strong>Citizens Bank International<\/strong> to deliver gender-based training, marking a meaningful step toward addressing gender disparities and promoting equality within the entrepreneurial and financial sectors.<\/p>\n<p><strong>Key Capacity-Building Highlights:<\/strong><\/p>\n<ul>\n<li><strong>Development of Gender-Based Training Toolkits<\/strong> for NMB Bank to support MSME clients.<\/li>\n<li><strong>Creation of Digital Marketing Toolkits<\/strong> to help MSMEs assess and select suitable services from DSPs.<\/li>\n<li><strong>Delivery of Training Programs<\/strong> on digital marketing and accounting, equipping MSMEs with essential skills to expand their market reach and enhance operational efficiency.<\/li>\n<li><strong>Collaboration with NMB Bank and Citizens Bank<\/strong> to conduct gender-focused training, educating bank representatives on recognizing and addressing workplace gender biases.<\/li>\n<li><strong>Design and Enhancement of \u201cJaankaari\u201d<\/strong>, an MSME information platform\u2014featuring regular content updates, social media integration, refreshed visuals, and a new events calendar to support potential collaboration with NMBBL for greater MSME relevance.<\/li>\n<\/ul>\n<p>Looking ahead, our commitment to supporting MSMEs remains unwavering. By continuing to equip entrepreneurs with the tools, knowledge, and networks they need to succeed, SEDRA is not only helping to build stronger businesses\u2014but also more inclusive and resilient communities. Together, we are shaping a future where opportunity and innovation are accessible to all.<\/p>\n<\/div>\n<\/div><\/div><\/div><div id=\"pgc-22512-4-1\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-4-1-0\" class=\"so-panel widget widget_media_gallery panel-first-child panel-last-child\" data-index=\"9\" ><div id='gallery-1' class='gallery galleryid-22512 gallery-columns-2 gallery-size-thumbnail'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20250126_082223127_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20250126_082223127_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20250126_111924639_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20250126_111924639_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20250126_105223397_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20250126_105223397_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_Kanchenjunga-trainings-1.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_Kanchenjunga-trainings-1-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20250126_101905024_iOS-1.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20250126_101905024_iOS-1-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20240726_083320879_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20240726_083320879_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20240726_083217857_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20240726_083217857_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20240725_053900902_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20240725_053900902_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20240725_045445291_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20240725_045445291_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20240724_055051921_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/cp_20240724_055051921_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pg-22512-5\"  class=\"panel-grid panel-has-style\" ><div class=\"pad-3-0 siteorigin-panels-stretch panel-row-style panel-row-style-for-22512-5\" data-stretch-type=\"full\" ><div id=\"pgc-22512-5-0\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-5-0-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"10\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t><h3 class=\"widget-title\">Citizen Bank: Advancing MSME Finance Through Strategic Enhancements<\/h3>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-36608\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/citizens-bank-logo.png\" alt=\"\" width=\"200\" height=\"55\" \/><\/p>\n<p>Under the SEDRA project, implementation activities at <strong>Citizen Bank International Limited<\/strong> have been strategically focused on strengthening institutional capabilities, improving risk management, and enhancing service delivery to better serve the MSME sector.<\/p>\n<p><strong>Key areas of intervention include:<\/strong><\/p>\n<ul>\n<li><strong>Optimization of Credit Processes<\/strong><br \/>\nStreamlining internal workflows to increase efficiency and strengthen credit risk management practices.<\/li>\n<li><strong>Enhancement of Credit Scoring Models<\/strong><br \/>\nReviewing and refining the existing credit scoring model to improve accuracy and decision-making for MSME lending.<\/li>\n<li><strong>Implementation of Environmental and Social Risk Management (ESRM)<\/strong><br \/>\nIntegrating ESRM systems to align lending practices with responsible and sustainable development standards.<\/li>\n<li><strong>Pilot of Alternative Credit Analysis Methodologies<\/strong><br \/>\nTesting innovative approaches tailored to MSMEs with limited traditional credit histories.<\/li>\n<li><strong>Product Line Improvements<\/strong><br \/>\nRefining and expanding financial products to better meet the diverse needs of MSME clients.<\/li>\n<li><strong>Strengthening of Loan Origination Systems<\/strong><br \/>\nUpgrading the bank\u2019s loan origination software to enhance processing speed, transparency, and scalability.<\/li>\n<li><strong>Sales and Service Quality Standards (SSQS)<\/strong><br \/>\nImplementing best practices to improve sales effectiveness and overall customer service experience.<\/li>\n<\/ul>\n<p>The technical assistance program for <strong>Citizen Bank is scheduled for completion in 2026<\/strong>, with the goal of establishing sustainable, scalable systems that support long-term growth and resilience in MSME banking.<\/p>\n<\/div>\n<\/div><\/div><\/div><div id=\"pgc-22512-5-1\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-5-1-0\" class=\"so-panel widget widget_media_gallery panel-first-child panel-last-child\" data-index=\"11\" ><div id='gallery-2' class='gallery galleryid-22512 gallery-columns-2 gallery-size-thumbnail'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_IMG_1023.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_IMG_1023-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_photo_2023-12-19_12-38-07.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_photo_2023-12-19_12-38-07-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_ImportedPhoto.762780793.607903.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_ImportedPhoto.762780793.607903-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_ImportedPhoto.760019759.989094.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_ImportedPhoto.760019759.989094-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_ImportedPhoto.745492216.360597.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_ImportedPhoto.745492216.360597-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_IMG_2183.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_IMG_2183-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_IMG_2164.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_IMG_2164-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_IMG_1875.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_IMG_1875-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_IMG_0780-1.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_IMG_0780-1-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_IMG_0765-1.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_IMG_0765-1-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_image_6487327-2.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_image_6487327-2-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_20240122_093714892_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_20240122_093714892_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_20240122_042801852_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_20240122_042801852_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_855014-3.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_855014-3-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_30834-9.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_30834-9-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_1-28-scaled.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/ctz_1-28-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pg-22512-6\"  class=\"panel-grid panel-has-style\" ><div class=\"pad-3-0 siteorigin-panels-stretch panel-row-style panel-row-style-for-22512-6\" data-stretch-type=\"full\" ><div id=\"pgc-22512-6-0\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-6-0-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"12\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t><h3 class=\"widget-title\">NMB Bank: Strengthening MSME Finance Through Innovation and Inclusion<\/h3>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-36609\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/NMB-bank-logo.png\" alt=\"\" width=\"200\" height=\"63\" \/><\/p>\n<p>As part of the SEDRA project, NMB Bank has embarked on a comprehensive set of initiatives aimed at enhancing its capacity to serve micro, small, and medium-sized enterprises (MSMEs) more effectively and sustainably. The implementation activities are strategically aligned to improve operational efficiency, expand access to finance, and promote inclusive banking practices.<\/p>\n<p><strong>Key focus areas include:<\/strong><\/p>\n<ul>\n<li><strong>Credit Process Optimization and Risk Management<\/strong><br \/>\nStreamlining credit workflows to enhance efficiency and reinforce credit risk frameworks.<\/li>\n<li><strong>Piloting of Alternative Credit Analysis Methodologies<\/strong><br \/>\nIntroducing innovative approaches to assess MSMEs with limited collateral or traditional financial documentation.<\/li>\n<li><strong>Development of Collateral-Free Loan Products<\/strong><br \/>\nExpanding financial inclusion by designing loan offerings accessible to underserved MSMEs.<\/li>\n<li><strong>Enhancement of Credit Scoring Models<\/strong><br \/>\nReviewing and upgrading existing models to improve risk assessment and lending decisions.<\/li>\n<li><strong>Sales Enablement and Centralized Sales Management<\/strong><br \/>\nImplementing systems and strategies to strengthen sales performance and standardize customer acquisition processes.<\/li>\n<li><strong>Implementation of Environmental and Social Risk Management (ESRM)<\/strong><br \/>\nInstitutionalizing responsible lending practices aligned with environmental and social sustainability standards.<\/li>\n<li><strong>Product Line Improvement<\/strong><br \/>\nRefining and diversifying product offerings to better meet the evolving needs of MSME clients.<\/li>\n<li><strong>Non-Financial Services and Customer Capacity Building<\/strong><br \/>\nSupporting MSME clients with advisory services, training, and tools to strengthen business operations and financial literacy.<\/li>\n<li><strong>Branchless Banking Analysis and Enhancement<\/strong><br \/>\nEvaluating and improving branchless banking models to expand outreach, particularly in underserved and rural areas.<\/li>\n<li><strong>Strengthening of Loan Origination Systems<\/strong><br \/>\nUpgrading digital infrastructure to support seamless, efficient, and scalable loan processing.<\/li>\n<li><strong>Sales and Service Quality Standards (SSQS)<\/strong><br \/>\nEmbedding best practices to ensure consistent service delivery and enhanced client satisfaction.<\/li>\n<\/ul>\n<p>Technical assistance to <strong>NMB Bank is expected to be completed by 2026<\/strong>, with a focus on building long-term institutional capacity and expanding sustainable access to finance for MSMEs across Nepal.<\/p>\n<\/div>\n<\/div><\/div><\/div><div id=\"pgc-22512-6-1\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-6-1-0\" class=\"so-panel widget widget_media_gallery panel-first-child panel-last-child\" data-index=\"13\" ><div id='gallery-3' class='gallery galleryid-22512 gallery-columns-2 gallery-size-thumbnail'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG-20230830-WA0019.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG-20230830-WA0019-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG-20230830-WA0007.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG-20230830-WA0007-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG_8414.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG_8414-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG_8379.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG_8379-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG_1830.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG_1830-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG_0672.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG_0672-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG_0481.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG_0481-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG_0479.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_IMG_0479-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_20240126_092137056_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_20240126_092137056_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_20240126_085329978_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_20240126_085329978_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_20240126_041746884_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_20240126_041746884_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_20240126_033532958_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_20240126_033532958_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_20240122_093714892_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_20240122_093714892_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_1-4.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/nmb_1-4-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pg-22512-7\"  class=\"panel-grid panel-has-style\" ><div class=\"pad-3-0 siteorigin-panels-stretch panel-row-style panel-row-style-for-22512-7\" data-stretch-type=\"full\" ><div id=\"pgc-22512-7-0\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-7-0-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"14\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t><h3 class=\"widget-title\">Celebrating Together, Growing Together<\/h3>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p>At BFC, we believe that a strong team culture goes beyond the workplace. While collaboration and performance are central to what we do, so is taking the time to celebrate milestones and moments together. From birthday celebrations and team dinners to observing Nepali and international festivals, we actively create space for connection, appreciation, and joy.<\/p>\n<p>These shared experiences not only foster cross-cultural understanding but also strengthen relationships across departments and geographies. Regular team-building activities, informal gatherings, and cultural celebrations help cultivate a sense of belonging and unity\u2014values we consider essential for both personal and professional growth.<\/p>\n<p>By nurturing an inclusive and engaging work environment, we empower our team to thrive, contribute meaningfully, and grow together\u2014both as individuals and as a collective.<\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<\/div><\/div><\/div><div id=\"pgc-22512-7-1\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-7-1-0\" class=\"so-panel widget widget_media_gallery panel-first-child panel-last-child\" data-index=\"15\" ><div id='gallery-4' class='gallery galleryid-22512 gallery-columns-4 gallery-size-thumbnail'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063512014_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063512014_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36547\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36547'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063644364_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063644364_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36549\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36549'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063442445_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063442445_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36546\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36546'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063440811_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063440811_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36545\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36545'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063428076_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063428076_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36544\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36544'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063159798_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063159798_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36543\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36543'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063001560_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063001560_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36542\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36542'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_062952925_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_062952925_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36541\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36541'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_062930727_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_062930727_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36540\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36540'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_062641601_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_062641601_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36539\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36539'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_062622048_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_062622048_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36538\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36538'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063624761_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfc_20241015_063624761_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36548\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36548'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfct_20241030_102903416_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfct_20241030_102903416_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36552\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36552'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfct_20241030_102451032_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfct_20241030_102451032_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36551\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-36551'>\n\t\t\t\t&#8211;\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfct_20241030_110733234_iOS-scaled.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfct_20241030_110733234_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36559\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 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