Dear Members, Shareholders, Regulators, Stakeholders and Well-Wishers,

It is my pleasure to welcome you to the official website of Mahuli Laghubitta Bittiya Sanstha Limited.

Throughout my long journey in microfinance, I have had the opportunity to closely witness the stories of our members. I have seen small businesses grow from modest loans and gradually improve family incomes. I have seen regular savings provide security during difficult times. Most importantly, I have witnessed how access to opportunity and proper guidance can help ordinary families shape a better economic future.

These experiences have always reminded me of one important truth the real meaning of microfinance is not found in financial transactions, but in the positive change those financial services create in the lives of our members.

As the Chief Executive Officer of Mahuli Laghubitta, I carry this belief with a deep sense of responsibility. For me, this position is not merely about managing an institution. It is about protecting the trust of our members, giving direction to the dedicated efforts of our employees and building a stronger institution that is prepared for the future.

Mahuli journey has been shaped by the trust and hard work of many people. The confidence of our members, the support of our shareholders, the guidance of the Board of Directors and the continuous dedication of our employees have brought the Institution to where it stands today. I sincerely acknowledge and appreciate everyone who has contributed to this journey.

The microfinance sector today is different from what it was in the past. Members' needs are changing. Technology is becoming increasingly important. The nature of risks is evolving, and expectations regarding financial discipline, transparency and good governance are higher than ever. We must therefore continue to evolve the way we think, decide and work.

I strongly believe that our past achievements demonstrate what we have accomplished, but our future success will be determined by the decisions and actions we take today.

Mahuli future will not be measured only by the volume of loans we disburse, the number of members we add or the size of our business. We will continue to focus on portfolio quality and the productive use of credit. We will seek to understand whether our members' incomes are improving, whether their businesses are becoming sustainable and whether our financial services are creating genuine improvements in their economic lives.

Productive financing, micro-enterprise and business development, and income enhancement will remain important areas of our focus. Providing credit is only the beginning of our responsibility, helping our members become economically capable and self-reliant is our greater purpose.

We also recognize the need for continuous transformation within our Institution. Decisions should be based on facts and analysis rather than assumptions. Responsibility should be connected not only with positions but also with results. Technology should make our services simpler, faster and more transparent. Risk management should enable us to identify potential challenges before they become serious problems.

Our employees play the most important role in this journey. They are the people who translate institutional policies and plans into services for our members. They understand the realities and challenges faced by our members in the field. Developing competent, disciplined, accountable and motivated employees will therefore remain one of our highest priorities.

I have always believed that a strong institution is not built by buildings, technology or business volume alone. It is built by people who share the right mindset, a sense of responsibility and a common purpose.

Profitability and financial sustainability are essential for the long-term strength of our Institution. However, our success should not be measured by profit figures alone. Positive changes in the lives of our members, the growth of small enterprises, increased household incomes, employment opportunities and greater economic activity within communities are the true achievements of Mahuli.

I am confident about Mahuli's future. We have experience. We have the trust of our members. We have committed people. Challenges certainly exist, but the opportunities before us are even greater.

What we need now is clear thinking, sound decisions, disciplined execution and a shared commitment to results.

I sincerely express my gratitude to Nepal Rastra Bank and other regulatory authorities, the Government of Nepal, the Board of Directors, our shareholders, members, employees, partner institutions and all stakeholders for their continued trust, cooperation and guidance.

Guided by our spirit of "For Everyone, Forever," my entire management team and I remain committed to building Mahuli Laghubitta as a more trusted, capable, modern and member-centric financial institution.

We will strengthen trust.
We will connect opportunities with enterprise.
And we will connect financial inclusion with the sustainable prosperity of our members.

Thank you.

Saroj Kumar Singh
Chief Executive Officer
Mahuli Laghubitta Bittiya Sanstha Limited