INTRODUCTION
Kisan Microfinance Bittiya Sanstha Ltd is registered as 'D' class Financial Institution (Microfinance Bank) with a capital of 72 million licensed by Nepal Rastra Bank. The paid up capital of this institution is 48.50 Million. It is established on Poush 23, 2069 at Kamal bazar, Achham and started it's services on 3 Magh 2069 and registered according to company Act on jestha 19th 2069 . It operates 50 branches in 15 districts of far and mid-western region of Nepal namely Kailali, Achham, Bajhang, Bajura, Doti, Baitadi, Darchula, Dadeldhura, Mugu, Kalikot, Humla, Salyan, Dailekh, Jumla and Jajarkot. It offers wide range of financial services to people categorized as Poor and DAGs in the region.