{"id":22512,"date":"2024-04-02T08:24:48","date_gmt":"2024-04-02T06:24:48","guid":{"rendered":"https:\/\/bfconsulting.com\/?page_id=22512"},"modified":"2026-04-23T14:26:43","modified_gmt":"2026-04-23T12:26:43","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\u20132026 (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><span style=\"font-weight: 400;\">The <strong>SEDRA III project<\/strong> aims to sustainably provide and effectively manage a targeted loan portfolio to support business investments by MSMEs in rural and semi-urban Nepal. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Its technical assistance component focuses on strengthening the capacities of key stakeholders:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Partner Financial Institutions (PFIs): Enhance their ability to deliver tailored financial services to MSMEs sustainably.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">MSMEs: Equip entrepreneurs with skills for effective business planning, operations, and financial management.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nepal Rastra Bank (NRB): Support the revolving fund\u2019s operation and provide regulatory advisory relevant to the project.<\/span><\/li>\n<\/ul>\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 \n\tsrc=\"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=\"(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: Driving Growth Through Digital and Inclusive Practices<\/h3>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p><span style=\"font-weight: 400;\">SEDRA provided selected MSMEs with free digital marketing support, helping them use social media to grow their customer base and profits. Training focused on building practical skills in digital tools, financial management, and market engagement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Key Achievements:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>MSMEs gained confidence and skills<\/strong> to navigate the digital economy.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Gender-responsive training<\/strong> empowered entrepreneurs and addressed workplace bias.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Toolkits<\/strong> were developed to guide MSMEs in choosing the right digital services.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Training<\/strong> covered digital marketing, accounting, and inclusive business practices.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Partnerships with NMB Bank and Citizens Bank<\/strong> supported gender-focused training.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The <strong>\u201cJaankaari\u201d platform<\/strong> was upgraded to better serve MSMEs with new features and content.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">SEDRA continues to foster inclusive, resilient, and tech-savvy MSMEs for a stronger future.<\/span><\/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-4 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: Strengthening MSME Finance under SEDRA<\/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>Through SEDRA, Citizen Bank International is enhancing its ability to serve MSMEs by improving systems, risk management, and service delivery.<\/p>\n<p><strong>Key Interventions:<\/strong><\/p>\n<ul>\n<li><strong>Credit Process Optimization<\/strong>: Streamlining workflows for better efficiency and risk control.<\/li>\n<li><strong>Improved Credit Scoring<\/strong>: Refining models for more accurate MSME lending decisions.<\/li>\n<li><strong>ESRM Integration<\/strong>: Aligning lending with environmental and social standards.<\/li>\n<li><strong>Alternative Credit Analysis<\/strong>: Piloting new methods for clients with limited credit history.<\/li>\n<li><strong>Product Enhancements<\/strong>: Expanding and refining MSME-focused financial products.<\/li>\n<li><strong>Loan System Upgrade<\/strong>: Boosting speed and transparency in loan processing.<\/li>\n<li><strong>Service Standards<\/strong>: Adopting best practices for sales and customer experience.<\/li>\n<\/ul>\n<p>Technical assistance runs through 2026, aiming to build sustainable and scalable MSME banking systems.<\/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-4 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: Advancing MSME Finance with 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>Under the SEDRA project, NMB Bank is implementing key initiatives to boost MSME support, improve efficiency, and promote inclusive banking.<\/p>\n<p><strong>Key Highlights:<\/strong><\/p>\n<ul>\n<li><strong>Credit Process &amp; Risk Management<\/strong>: Streamlining workflows and strengthening risk frameworks.<\/li>\n<li><strong>Alternative Credit Methods<\/strong>: Piloting new ways to assess MSMEs with limited documentation.<\/li>\n<li><strong>Collateral-Free Loans<\/strong>: Expanding access for underserved MSMEs.<\/li>\n<li><strong>Upgraded Credit Scoring<\/strong>: Enhancing risk assessment tools.<\/li>\n<li><strong>Sales Enablement<\/strong>: Centralizing and optimizing sales strategies.<\/li>\n<li><strong>ESRM Implementation<\/strong>: Promoting responsible, sustainable lending.<\/li>\n<li><strong>Product &amp; Service Enhancement<\/strong>: Diversifying MSME products and advisory services.<\/li>\n<li><strong>Branchless Banking Improvements<\/strong>: Expanding reach in rural areas.<\/li>\n<li><strong>Loan System Upgrade<\/strong>: Modernizing digital loan processing.<\/li>\n<li><strong>SSQS Adoption<\/strong>: Standardizing service quality and client experience.<\/li>\n<\/ul>\n<p>Technical assistance runs through 2026, aiming to build sustainable, inclusive MSME finance.<\/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-4 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-2-0 panel-row-style panel-row-style-for-22512-7\" ><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\">Revolving Fund Update\/ Cooperation with NRB and RBB<\/h3>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p>SEDRA has continued supporting the establishment and operationalization of the Revolving Fund.<\/p>\n<p>Key activities include:<\/p>\n<ul>\n<li>Meetings with RBBL and NRB\u2019s FICPD to define roles, finalize the NRB\u2013RBBL agreement, and clarify operational procedures.<\/li>\n<li>Confirmation that NRB will manage repayments and transfer funds to RBBL biannually.<\/li>\n<li>Agreement to accept soft copies of application documents.<\/li>\n<li>Planning of a simulation workshop post-approval.<\/li>\n<\/ul>\n<p>A test version of the Fund\u2019s portal and webpage was shared with NRB; development is ongoing to support application and reporting functions.<\/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_sow-image panel-first-child panel-last-child\" data-index=\"15\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-image so-widget-sow-image-default-c67d20f9f743-22512\"\n\t\t\t\n\t\t>\n<div class=\"sow-image-container\">\n\t\t<img \n\tsrc=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/08\/msmefund-1.png\" width=\"500\" height=\"655\" srcset=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/08\/msmefund-1.png 500w, https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/08\/msmefund-1-229x300.png 229w\" sizes=\"(max-width: 500px) 100vw, 500px\" alt=\"\" \t\tclass=\"so-widget-image\"\/>\n\t<\/div>\n\n<\/div><\/div><\/div><\/div><\/div><div id=\"pg-22512-8\"  class=\"panel-grid panel-has-style\" ><div class=\"pad-3-0 siteorigin-panels-stretch panel-row-style panel-row-style-for-22512-8\" data-stretch-type=\"full\" ><div id=\"pgc-22512-8-0\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-8-0-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"16\" ><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 lasting success is built not only on strategic goals and high performance but also on the strength of our relationships and the vibrancy of our team culture. We understand that when people feel connected, valued, and supported, they\u2019re empowered to do their best work and grow together.<\/p>\n<p>That\u2019s why, beyond collaboration and achieving results, we take the time to celebrate life\u2019s moments whether it\u2019s a birthday, a cultural festival, or a team milestone. These celebrations are more than just events; they are opportunities to pause, reflect, and appreciate the people who make our workplace exceptional. By creating these shared experiences, we cultivate joy, build trust, and strengthen connections across departments and diverse backgrounds.<\/p>\n<p>Our commitment to fostering an inclusive and engaging environment allows us to bring out the best in each individual while nurturing a collective sense of belonging. At BFC, we are more than just colleagues we are a community. And through this spirit of unity and appreciation, we continue to grow, thrive, and succeed together.<\/p>\n<\/div>\n<\/div><\/div><\/div><div id=\"pgc-22512-8-1\"  class=\"panel-grid-cell\" ><div id=\"panel-22512-8-1-0\" class=\"so-panel widget widget_media_gallery panel-first-child panel-last-child\" data-index=\"17\" ><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 landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfct_DSC1997.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfct_DSC1997-150x150.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\/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 landscape'>\n\t\t\t\t<a href='https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfct__DSC1995.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfct__DSC1995-150x150.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\/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_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 - 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-4-36559'>\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_105216000_iOS.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/bfconsulting.com\/wp-content\/uploads\/2025\/04\/bfct_20241030_105216000_iOS-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" aria-describedby=\"gallery-4-36556\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 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