Micro, Small and Medium Enterprise Lending Project – Nepal

The assignment supported Himalayan Bank Limited in strengthening its micro, small and medium enterprise lending capability through focused capacity building. The work was delivered as part of an International Finance Corporation-supported intervention to improve credit appraisal, borrower assessment, and enterprise lending practice. Dr Bilal Ahmad served as Lead Trainer and delivered practical training in micro, small, and medium enterprise lending, cash flow analysis, loan structuring, repayment capacity assessment, and risk-based credit decision-making. The training helped the bank’s staff move beyond collateral-led lending and apply stronger diagnostics of borrowers, businesses, and cash flows when assessing enterprise finance opportunities.