The Aarthik Bikash Mitra Saving and Credit Cooperative Ltd. was established with the objective of enabling its members to meet their needs by cooperating with each other and transforming their economic, social, and cultural lives through various transactions. The satisfaction of our members is the institution's primary desire. As a cooperative, we believe in collective action and accordingly provide financial and non-financial services to our members in line with cooperative principles, values, and norms. We continuously offer services utilizing up-to-date technology to meet the needs of our members in a timely manner. Additionally, it is our regular responsibility and duty to conduct social activities and service-oriented programs in the community. As a result, we have established ourselves as a reliable and trustworthy institution at the local level and feel that we have become one of the strong and professional institutions in the Kavrepalanchok district.Although the cooperative sector is currently facing challenging circumstances, we are encouraged to continue working with renewed vigor due to the unwavering love, trust, and confidence of our members. We are committed to making our vision of becoming an "Excellent and Sustainable Professional Cooperative" a reality, and our ongoing efforts reflect our determination to achieve this. We urge our members to contribute from their respective levels to make our plans and programs more effective and result-oriented in accordance with the policies and strategies we have adopted. We pledge to operate in accordance with the cooperative principles, values, and norms, making the best use of policies, procedures, and technologies, and we are committed to conducting our activities in a manner that prioritizes the supreme interest of our members.We request our members to confidently carry out their savings and loan transactions in a safe and secure environment. The institution takes full responsibility for the complete security of your savings, and we are fully capable of fulfilling this responsibility with confidence. During this period, the institution has successfully become a reliable option as a strong and safe financial institution where members can confidently conduct their savings and loan transactions. In an effort to make the institution the first choice as a financial service provider, we prioritize member satisfaction and quality service delivery, and accordingly, we are developing our policies, management, and implementation procedures.Finally, we would like to express our sincere gratitude to the members who have consistently supported us, the umbrella cooperative federations, regional federations, central federations, and well-wishers, and we request your continued valuable suggestions, advice, and cooperation in the future as well.

Since the establishment of the institution, technology has made significant advances, and today, every activity of the institution is managed in a way that allows members to view and study them at their convenience. We are making efforts to make the institution’s services and facilities more technology-friendly, providing excellent, simple, and accessible services, and integrating them into the daily lives of our members.The financial transactions of the institution are progressing satisfactorily. The institution operates based on policies and automated procedures, resulting in positive indicators. Whether it is governance, methods, or procedures, everything is positive. The institution has digitized its financial transactions, loans, and other documents. Despite the ever-changing technology, we are making every possible effort to adapt and deliver our services to members in line with the competitive market.In consideration of the services and facilities of the institution and its members, we are committed to ensuring the complete security of members' hard-earned savings and the proper utilization of loans, as well as the growth and development of both the members and the institution. The decisions made by the General Assembly and the Board of Directors, along with the suggestions and advice received from members, are being implemented with quality service and facilities for the benefit and support of the members. We, the staff and management, are committed to this.Since member satisfaction is our goal, we are dedicated to advancing our programs and activities accordingly, focusing on the comprehensive development of both members and the institution. We are continuously improving our management system and request all members and well-wishers to provide constructive suggestions, advice, and guidance to help make our management more effective in the future.