Navigation: Global Nepal Dharan – Divya Jyoti Mahila SACCOS

Dharan – Divya Jyoti Mahila SACCOS

  • Status: Complete
  • People Housed: 43
  • Country: Nepal
  • City: Dharan
  • Partner: Lumanti
  • Year Approved: 2018
Delivery of Homes
Total Expected
Self Build
Project Overview

This project is situated in Dharan, a city located in the Sunsari District of Nepal. It was fully financed by revolved funds from previous Lumanti projects, which is a great example of how housing finance can be used cyclically to have greater impact. Lumanti lent funds directly to the Divya Jyoti Mahila (Women’s) Cooperative, which in turn allocated individual loans to its member households. The clients were required to repay their loan, using an agreed repayment schedule, with the funds revolved again by Lumanti to support other housing projects throughout Nepal.

The new homeowners previously lived in housing which caused multiple threats to their health and security and often lacked access to basic services such as water. As part of the project the community was trained in housing and infrastructure construction, and given technical, financial and management skills. This allowed each household to construct a safe, permanent house fully serviced with electricity, household water and sanitation.

Homes Completed
Homes Occupied
Connected to Electricity
Connected to Water and Sanitation

Client Data

Displayed In
Client Monthly Household Incomes

Clients estimated to sit between 1st and 10th percentiles of incomes in Dharan

17,500 NPR
151 USD
40th percentile at year of occupancy NPR 29,337
40th percentile at year of occupancy $253
Household Demographic Data
Household Size
Proportion Female
Proportion Children
Proportion Elderly
Proportion Disabled
Housing Information
Description Type Number Completed Unit Size (m2) Monthly Cost
(Local Currency)
Loan Length (months)
n/a Self Build 14 34 8333 60
Finance Source Interest Rate (%)

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Data last updated on 10/03/2021