+977 01-5315936/37
info@meromicrofinance.com
Monday – Friday: 9:00 AM – 5:00 PM | Saturday & Sunday : Closed
Career
Support
Logo
Home About — Background — Philosophy — Source of Fund — National Coverage — Automation — Lending Methodology — Privacy Policy Governance — Board of Directors — Management Team — Corporate Team — Audit Committee — Organogram — Organization Structure — Chairman's Message — CEO's Message Products — Financial Services — Non-Financial Services — Product Chart — Loan Products — Savings Products — Interest Rates — Service Charges Partners — Lenders — Investors — Networks Publications — Annual Reports — Quarterly Reports — Base Rate — AGM Minutes — Institutional Compliance — Right to Information — CSR Reports Updates — Latest News — Notices — Blogs — Training & Exposure — Gallery — Downloads Branches Contact — Contact Us — Find Us Grievances Career
Vacancy
Notice
Notice regarding Re-KYC Update | Interest Rate Revision Notice | Annual General Meeting Notice

Lending Methodology

Five models designed to serve diverse client needs

Lending Methodology

Mero Microfinance employs five distinct lending models to deliver financial services tailored to different communities and client profiles across Nepal.

Model 1

Grameen Bank Model

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.

Model 2

Community Banking Model

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.

Model 3

Entrepreneurs Group Model

Lending to small and medium enterprise owners who are grouped together to access credit. Combines peer support with individual business assessment.

Model 4

Individual Lending Model

Direct loans to individuals with sufficient collateral or credit history. Used for larger loan amounts and established clients who do not require group guarantees.

Model 5

Agent Banking Model

Delivery of financial services through local agents (small retailers, community volunteers) in areas where branch infrastructure is limited. Extends financial access to remote communities.

Explore Our Products
Loan Save Branch Download Notice
Seva