Promoted by Jeevan Bikas Samaj (a non-governmental organization), Jeevan Bikas Laghubitta Bittiya Sanstha Ltd. obtained a nationwide (“Class D”) financial institution license from Nepal Rastra Bank and has been continuously providing services since 16 Falgun 2075 (28 February 2019) with the vision of a poverty-free Nepal, aiming to uplift the living standards of underprivileged families. With the objective of reducing existing economic inequalities in society and ensuring that essential services and facilities—previously accessible mainly to urban areas and well-off families—can also be easily accessed by rural areas and disadvantaged households, the institution has been delivering digital and social services alongside financial services. Due to the economic slowdown, increased credit risk, and microfinance-related activities driven by vested interests of certain individuals and groups, the fiscal year 2081/82 proved challenging for the microfinance sector. Despite these circumstances, Jeevan Bikas remained steadfast in its core mission of providing financial services focused on the poor and marginalized, practicing responsible lending, and promoting inclusive economic empowerment, thereby continuing its service delivery. With the aim of contributing to the achievement of the Sustainable Development Goals (SDGs), the institution has adopted a Credit Plus Approach and has been carrying out various initiatives in education, health, agriculture, job creation, and environmental conservation. To energize the rural economy, it encourages local women members to engage in income-generating activities and entrepreneurship through indigenous products. In addition, it promotes financial literacy among members and communities, fostering prudent financial behavior, the habit of saving, and the productive use of loans. Through its Eco-Village development strategy, the institution strives to bring positive change to overall rural lifestyles by promoting green energy, eco-friendly agriculture, and community cooperation. Globally, rising poverty, unemployment, and climate change are creating multiple crises in human life. In this context, the institution has been conducting various campaigns to put into practice the 3Zero concept (zero poverty, zero unemployment, and zero net carbon emissions). By organizing today’s youth—the representatives of future generations—through the 3Zero Club, it is advancing toward building a 3Zero World. The institution has been internationally recognized three times—in 2022, 2023, and 2024—for successfully engaging the largest number of youths in the 3Zero Club. Recognizing human resources as its core strength, the institution continues to invest in capacity building, ethical leadership, and the development of a performance-based organizational culture. It also remains firmly committed to good governance, transparency, and accountability while fully complying with the directives of regulatory authorities. In the days ahead, Jeevan Bikas will place special priority on youth-focused job creation, self-employment, and entrepreneurship promotion. To this end, a long-term plan is being advanced to establish a training and research center with the objective of promoting training, research, and innovation in microfinance, enterprise development, digital finance, and green and inclusive finance. I would like to express my heartfelt gratitude for the guidance of the Board of Directors; the regulation and supervision of regulatory authorities; the trust of service-recipient members and shareholders; the honesty and dedication of employees; and the support and cooperation of stakeholders and well-wishers. With shared commitment and accountability in practice, we firmly believe that Jeevan Bikas Laghubitta will move forward as a leading financial institution contributing to sustainable, inclusive, and socially transformative development. Thank you.