नेपाली
बाबा सहकारीको वृद्धि : शेयर सदस्यहरुको सम्मान,स्वाभिमान र समृद्धि।
“Dainik Bachat” (दैनिक बचत) translates to "Daily Savings", which refers to a system of saving small amounts of money on a daily basis. This system is especially useful for people with low incomes, small business owners, and those working in the informal sector.
It is commonly operated by cooperative societies, microfinance institutions, or small financial organizations under what is often known as a Daily Deposit Scheme.
1. Daily Collection of Money:
An agent visits the customer's home or shop daily to collect a fixed amount (e.g., NPR 10, 50, or 100).
This allows individuals to save from their small daily earnings.
2. Small Savings Turn into Big Amounts:
Saving a little each day can accumulate into a significant amount over a year.
3. Interest Benefits:
The amount deposited daily earns interest.
The interest rate may vary depending on the institution.
4. Easy Withdrawal Options:
Some institutions allow early withdrawals.
Others allow withdrawals only after a fixed period.
5. Promotes Saving Habits:
It's a practical method to develop the habit of regular saving.
Where is Daily Savings (Dainik Bachat) useful?
Street vendors
Small shopkeepers
Domestic workers
Low-income individuals
People engaged in informal employment