Five models designed to serve diverse client needs
Mero Microfinance employs five distinct lending models to deliver financial services tailored to different communities and client profiles across Nepal.
Group-based lending model where 5-member groups take joint liability for loans. Centres of multiple groups meet weekly to collect repayments, build savings, and receive financial education. Suitable for rural women without collateral.
Community-managed savings and credit groups (up to 30 members) where members take turns managing a fund. Encourages local ownership of financial services and peer accountability.
Lending to small and medium enterprise owners who are grouped together to access credit. Combines peer support with individual business assessment.
Direct loans to individuals with sufficient collateral or credit history. Used for larger loan amounts and established clients who do not require group guarantees.
Delivery of financial services through local agents (small retailers, community volunteers) in areas where branch infrastructure is limited. Extends financial access to remote communities.