In Nepal’s rapidly growing digital finance ecosystem, trust is built on security.  

Aloi Private Limited is certified under ISO/IEC 27001:2022, the globally recognized standard for Information Security Management Systems (ISMS). This standard sets out the requirements for establishing, implementing, maintaining, and continually improving a framework that protects sensitive data. 

This milestone reinforces our commitment to data security, operational integrity, and responsible digital finance innovation in Nepal. 

Understanding ISO/IEC 27001:2022 Certification 

ISO/IEC 27001:2022 is the globally recognized standard for establishing, implementing, maintaining, and continually improving an Information Security Management System. 

An ISMS is a structured framework of policies, procedures, controls, and risk management processes designed to ensure: 

• Confidentiality – Information is accessible only to authorized individuals 

• Integrity – Data remains accurate and protected from unauthorized modification 

• Availability – Systems and information are accessible when needed 

The 2022 update modernizes security controls to address evolving cybersecurity risks, including cloud environments, digital platforms, and increasingly interconnected financial systems. 

For a fintech company like Aloi, where digital fund monitoring, income tracking, repayment systems, and financial profiling are core operations, this certification is especially significant. 

What This Certification Covers at Aloi 

Aloi’s ISMS certification covers: 

Providing a software platform for digitally monitoring fund utilization and tracking income, expenditure, and repayment. 

This scope is directly aligned with our role in enabling digital fund monitoring for financial institutions, development programs, and micro-entrepreneurs. Our systems handle structured financial data, repayment records, profiling information, and impact reporting metrics. 

Independent auditing under ISO/IEC 27001:2022 confirms that our: 

• Risk assessment processes 

• Internal security controls 

• Access management systems 

• Data protection mechanisms 

• Documentation and governance frameworks 

meet international information security standards. 

This level of compliance strengthens confidence in data security in fintech in Nepal, especially in sectors such as green finance, electric mobility financing, and agricultural value chain support. 

Why ISMS Certification Matters for Partners 

As a ISO certified fintech in Nepal (27001:2022), this certification strengthens confidence among: 

• Financial institutions and banks 

• Development partners and international donors 

• Government stakeholders 

• Micro-entrepreneurs and cooperatives 

• Electric mobility ecosystem partners 

ISO 27001 certification demonstrates that we follow a risk-based approach to identifying potential threats, implementing appropriate security controls, and continuously improving our systems. 

Strengthening Nepal’s Digital Finance Infrastructure 

As a Nepal-based ISO 27001:2022 certified company, Aloi operates at the intersection of fintech, climate finance, and MSME development. Our platforms support digital lending transparency, fund tracking, and financial visibility for underserved sectors. 

In Nepal’s fintech landscape — where digital credit, electric vehicle financing, and agricultural finance platforms are expanding — robust information security is not optional. It is critical infrastructure. 

By aligning with international ISMS standards, we contribute to building a more secure, accountable, and globally credible digital finance ecosystem within Nepal. 

Secure systems. Transparent processes. Responsible innovation. 

Custom Digital Token Wallets | Real-Time Fund Monitoring For Grants, Loans, or Carbon Credits

Invest with Trust

Aloi’s custom closed-loop wallets ensures every dollar invested in communities or individuals is used for its intended purpose.

Whether you’re a financial institution, NGO, government agency, or climate fund, use Aloi to build your digital ecosystem for full visibility into tracking last mile disbursements.

<1% of climate finance

reaches people and businesses at a grassroots level. An equitable green transition will need an additional US$4 billion/year to support informal sector entrepreneurs and businesses.

How can we increase the trust for investing in last mile communities?

• Trust
• Transparency
• Traceability

What can you do with Aloi? 

✔️ License our platform for fund monitoring or carbon credit programs. 

✔️ Digitally disburse and monitor loans, grants, or subsidies in real time. 

✔️ Measure carbon credits generated from verified micro-actions. 

✔️ Verify climate impact data from tree planting to EV adoption. 

✔️ Empower low-literacy users through SMS and voice-based usage. 

How Aloi makes a difference? 

✅ Real-time monitoring and visualization 

✅ Works online/offline, even in remote areas 

✅ Designed for last-mile accessibility and trust 

✅ Scalable and customizable for your projects 

✅ Proven model for green, inclusive finance 

Real Impact in Action 

In Nepal, Aloi powers: 

• Electric mobility: Financing e-tuktuks and e-buses. 

• Sustainable agriculture: Loans for dairy, coffee, and women farmers

• Forestry programs: Carbon credit disbursement 

 Used by 28+ financial institutions and trusted by global partners like UNDP. 

Let’s Build Transparent Climate Finance Together 

Partner or license Aloi’s technology to power your next impact program whether in carbon credits, Impact loans, humanitarian relief, grants or services.  

📍 Nepal | Singapore 

 🌐 www.aloi.global 

 📧 tiffany@aloi.global 

At Aloi, our mission has always been clear: to make finance work for those who power the informal economy but are often left outside the formal financial system. Across emerging markets, millions of informal entrepreneurs from street vendors to smallholder farmers generate enormous economic value yet remain invisible to traditional finance due to lack of collateral, formal records, or credit histories. 

For institutions looking to address these challenges, Aloi’s technology is available through a flexible software licensing model that can be adapted to your own financial programs. 

This is where innovation, purpose, and the right partnerships matter. 

We are excited to partner with Musoni, a global leader in core banking systems for microfinance institutions, to jointly unlock the potential of the informal economy estimated at over $10 trillion annually. 

Why This Partnership Makes Sense 

For years, Aloi has been transforming capital flows to informal sector entrepreneurs by enabling digitally monitored, cashless, and transparent financing. Our closed-loop token system ensures that every loan is traceable, purpose-driven, and measurable, making lending safer and more sustainable for financial institutions. 

This same token-based system can be licensed, customized, and integrated into any institution’s existing operations, delivering solutions.  

As Sander van Heijden, CEO of Musoni System, notes: 

“Aloi’s innovative approach to digitally monitored financing perfectly complements Musoni’s commitment to financial inclusion. Their cashless, transparent lending system addresses one of the key challenges financial institutions face how to serve informal clients without traditional collateral or credit histories, while keeping costs and risks manageable.” 

Solving a Global Challenge 

Informal entrepreneurs generate enormous economic value, yet financial institutions struggle to serve them due to high monitoring costs often up to 25% of the loan value. 

Aloi addresses this challenge directly. Our technology has enabled over USD 1 million in loans across 28 financial institutions, reducing monitoring costs while improving transparency. Scaling this impact globally is made possible through robust banking infrastructure where Musoni plays a critical role. 

Through licensing Aloi’s platform, institutions can adopt this proven approach without building new systems from scratch. 

The goal of Aloi and Musoni partnership  

Through integration with Musoni’s proven core banking system, Aloi’s partner institutions benefit from: 

• Proven scalability – Serving over 2 million clients across 30+ countries in Asia, Europe, Africa, and Latin America 

• Comprehensive core banking functionality – Covering client management, loans, savings, and accounting 

• Digital Field Application (DFA) – Android-based, online and offline, fully synced with the core banking system 

• API-ready architecture – Seamlessly integrating with Aloi’s monitoring tools and third-party platforms 

Why Aloi for Measurable Impact? 

For microfinance institutions using the combined Aloi–Musoni solution, the results are transformative: 

• Up to 85% reduction in monitoring costs 

• 40% improvement in repayment rates 

• 3× faster loan processing 

As Tiffany Tong, Co-Founder and CEO of Aloi, shares: 

“Our partnership with Musoni allows us to scale our impact across Asia, Africa, and beyond. Musoni’s deep understanding of microfinance operations, combined with Aloi’s technology, creates a powerful platform for responsible and inclusive lending.” 

Beyond Finance: Purpose-Driven Impact 

This partnership goes beyond credit. Aloi’s conditional tokens platform enables for-purpose digital wallets that can be dedicated to essential needs such as healthcare, education, clean water, and climate action. 

For example, community-generated carbon credits can be converted into verified revenue streams and channeled directly into local priorities ensuring value remains within the community and strengthens local resilience. 

Through this collaboration, financial institutions can access: 

• Diversified funding sources beyond deposits and grants 

• Measurable climate and ESG impact to attract mission-aligned investors 

• Stronger community trust through transparent, peer-monitored programs 

• Higher margins on climate-linked and impact-focused financial products 

Build Inclusive Economies, Together 

Our collaboration with Musoni reflects what’s possible when the right technology meets the right partners. If your organization is working to create inclusive, transparent, and resilient systems, you can license Aloi’s platform and customize it to build solutions that fit your organization’s purpose. 

Contact Us 

Aloi 
📧 hello@aloi.global 
🌐 www.aloi.global 

Musoni 
📧 hello@musonisystem.com 

Parbati Shrestha, 38, once spent her days managing household chores until she decided to take the wheel. With Aloi’s support, she became a Safa Tempo (three-wheeler) driver, proving that women can chart their own financial independence on Nepal’s roads. 

Now, with experience and confidence by her side, Parbati is ready for her next chapter upgrading from a three-wheeler to a four-wheeler EV. Her journey mirrors the growing opportunities in Nepal’s green mobility sector, strengthened by projects such as SET4NPL| Driving Sustainable Transportation with EV in Nepal to help more women like Parbati drive toward a cleaner, more inclusive future. 

Empowering Women, Powering Green Mobility 

Aloi Private Limited, established in 2019, is a fintech company bridging finance and sustainability. Through its digital lending solutions and it’s product: Bijulipower, Aloi has helped hundreds of micro-entrepreneurs access finance for green mobility and agriculture. 

SET4NPL is supported by the Mitigation Action Facility on behalf of the German Federal Ministry for Economic Affairs and Energy (BMWE), the UK Department for Energy Security and Net Zero, the Danish Ministry of Climate, Energy and Utilities (KEFM), the European Union, and the Children’s Investment Fund Foundation (CIFF). 

Now, through a partnership with SET4NPL, Aloi is taking its mission a step further empowering women in the public transport sector of Kathmandu Valley by equipping them with the skills, licenses, and financial pathways needed to enter Nepal’s growing electric vehicle (EV) industry. 

The SET4NPL Women Driver Training Program 

This project, implemented by Aloi with SET4NPL’s support, focuses on assisting women who are eager to become electric microbus (EMB) drivers or owners. 

The goal is simple but transformative to increase women’s participation and leadership in Nepal’s green transport sector. 

Through this program participants receive: 

Comprehensive EV Driving Training 

1. B-category (car/microbus) license training 

2. Theoretical and practical sessions 

3. On-road and lab-based driving practice 

4. Introduction to electric vehicles and basic maintenance skills 

Empowerment and Capacity Building 

1. Confidence-building and leadership development sessions 

2. Road safety, public behavior, and communication skills 

License and Employment Support 

1. Step-by-step assistance throughout the licensing process 

2. Job linkages with EV companies, transport committees, or cooperatives 

3. Guidance for self-employment and entrepreneurship 

Priority is given to financially vulnerable women who are committed to attending the full training and are eager to build a livelihood through EV driving. 

A Journey Toward Independence 

For many participants, this program represents more than just learning a technical skill it’s a doorway to opportunity. 

The Bigger Picture 

Nepal’s transport system has long been a male-dominated professional, but the electric revolution offers a chance to rewrite that story. By combining green technology with inclusive finance and training, the the partnership between Aloi and SET4NPL is creating a future where women are at the forefront of clean mobility. 

Every trained driver is not just a driver but also a role model, a provider, and a pioneer in Nepal’s sustainable development journey. 

When women drive electric, Nepal doesn’t just move, it moves forward. 

About Aloi 

Aloi Private Limited is a fintech company empowering micro-entrepreneurs across Nepal through green finance and digital innovation. 

Aloi provides transparent, efficient, and inclusive financing for electric vehicles and sustainable agriculture. 

📍 Kuleshwor, Kathmandu 

🌐  set4nepal.org 

🌐 aloi.global  

 ✉️ hello@aloi.global 

On November 14th and 15th, 2024 (29th and 30th Kartik), Aloi Private Limited, in collaboration with UNDP, FNCCI, and WRRN, hosted an inspiring Market Fair at Palpasa Mall, Makwanpur. This two-day event celebrated sustainability, innovation, and community-driven entrepreneurship by featuring the incredible work of Community Forest User Groups (CFUGs), local Small and Medium Enterprises (SMEs), and budding entrepreneurs.

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A Platform for Sustainable Growth

The Market Fair aimed to drive green recovery and economic empowerment in Makwanpur by showcasing diverse, eco-friendly products. With a turnout of 700 visitors over two days, the fair buzzed with energy and enthusiasm.

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Spotlight on Local Talent and Innovation

23 stalls showcased a range of unique products, with participation from:

• 6 CFUGs
• 2 dairy product enterprises
• 15 local SMEs

Key attractions included:

• Handicrafts: Locally crafted treasures like thekis, keychains, and decorative tokens.
• Local Products: Turmeric, corn-husk flowers, and delectable Newari foods.
• Woolen Clothes: Traditional and sustainable garments.
• Herbal Products: Mugwort soaps, aloe vera, hemp, and nettle-based creations.
• Incense Sticks: A crowd favorite, contributing significantly to the sales figures.

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Economic Impact

The fair generated NPR 100,000 in total sales. Notable highlights: Despite the decent turnout, participants agreed that enhanced marketing could have attracted even larger crowds, especially on the first day.

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Esteemed Guests and Stakeholder Engagement

The event welcomed prominent figures from forestry and sustainable development sectors, including:

• Division and Assistant Forest Officers
• Chief of FECOFUN Hetauda
• Representatives from UNDP, WRRN, and the Institute of Forestry
  Their presence emphasized the fair’s importance as a hub for promoting community-based entrepreneurship and sustainable practices.

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Conclusion

Aloi Private Limited’s Market Fair was more than an event, it was a celebration of community spirit, innovation, and sustainability. By bringing together local producers, SMEs, and stakeholders, the fair paved the way for green recovery and economic empowerment in Makwanpur. With valuable insights and lessons learned, We are ready to make future editions even bigger and better!

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Stay tuned for more updates on Aloi’s initiatives supporting sustainable growth and community-driven entrepreneurship.

In September 2024, Aloi Pvt. Ltd in partnership with UNDP conducted three crucial training programs across different regions, focusing on “Business Plan Development, Financial Management, and Green Financing” for Community Forest User Groups (CFUGs) in Makwanpur. This is one of the UNDP projects in Nepal 2024. The training was hosted in Chuchekhola, Piple Pokhara, and Bungdal, and provided valuable insights and hands-on learning experiences aimed at strengthening local entrepreneurship and promoting sustainable forest-based businesses.

1. Chuchekhola CFUG Training (Sept 25-27, 2024)

Our first training took place in the scenic village of Chuchekhola, where 34 participants gathered for three days of intensive learning. The focus was on marketing strategies, forest regulations, branding, and business planning. 

Key Highlights:

– Marketing & Branding: Participants learned traditional and digital marketing techniques and were encouraged to role-play as business owners of forest-based products like medicinal herbs and eco-tourism.

– Business Plan Development: Groups worked on drafting comprehensive business plans, focusing on production costs and marketing strategies.

– Financial Management: On the final day, participants studied into enterprise accounting, tax regulations, and financial forecasting, equipping them with tools for future growth.

2. Piple Pokhara CFUG Training (Sept 10-12, 2024)

In Piple Pokhara, we welcomed 35 participants for another three-day training program that aimed to empower local forest-based enterprises. The focus was similar to Chuchekhola, with a strong emphasis on business plan development.

Key Highlights:

– Forest Regulations & Marketing: Participants explored Federal Forest Regulations and learned the importance of branding in both local and international markets.

– Hands-on Business Planning: Groups worked on product-specific plans, creating strategies for items like bamboo combs and Nepal map keychains.

– Financial Planning: Practical sessions on investment, expenditure planning, and profit-loss analysis fostered collaborative learning.

3. Bungdal CFUG Training (Sept 14-16, 2024)

The final leg of our training journey took place in Bungdal, with 35 eager participants. Despite weather and logistical challenges, the training successfully covered essential aspects of business planning and financial management.

Key Highlights:

– Business Planning & Cost Analysis: Participants created business plans for products like turmeric powder and compost manure. A key takeaway was the importance of accurate cost analysis in ensuring sustainable business growth.

– Market Pitch Practices: On the last day, participants practiced pitching their business ideas, with a focus on effective branding and marketing strategies.

– Packaging & Branding: Emphasis was placed on how effective packaging and unique branding can make products stand out in competitive markets.

Conclusion 

Across all three regions, the training sessions were well-received, with participants showing great interest in learning and applying business and financial management skills. While the core objective business plan development was successfully achieved. We are happy to work alongside UNDP projects in Nepal 2024.

The enthusiasm and commitment demonstrated by the CFUGs highlight the importance of continued support for these communities. We look forward to organizing more comprehensive training programs to further empower these forest-based enterprises.

Sonika Manandhar, CTO and co-founder of Aloi, has been making significant strides in fostering financial trust and accessibility for green micro-entrepreneurs. Aloi, which she co-founded with Tiffany Tong, is a social enterprise that aims to bridge the gap between informal credit histories and formal financial services. By providing a platform that tracks loan utilization and income, Aloi enables micro-entrepreneurs to build credible financial profiles. This data is then utilized by Aloi’s commercial partners to extend formal loans to these individuals. Additionally, Aloi is committed to enhancing financial literacy among micro-entrepreneurs, ensuring they can effectively manage and utilize loans. The ultimate goal for Aloi is to become a last-mile digital bank in Nepal, providing accessible financial services to underserved communities.

Photo credit: One Young World

In 2020, Sonika’s innovative work with Aloi was recognized when she won One Young World’s LEAD2030 Challenge with Standard Chartered Bank. This accolade was instrumental in Aloi’s early success, as it facilitated a crucial partnership with Standard Chartered’s Nepal branch. This connection marked Aloi’s first collaboration with a commercial bank, establishing a strong foundation for further partnerships within the financial sector in Nepal.

Aloi’s impact has been substantial. Currently, the platform boasts 2,300 active users, the majority of whom are women. These users have collectively secured $800,000 in formal loans. Beyond just financial services, Aloi provides comprehensive training in financial and digital literacy, as well as business management. This training aims to reduce the vulnerability of micro-entrepreneurs to predatory lending practices. Aloi has established partnerships with six commercial banks in Nepal, further solidifying its presence in the financial sector.

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A significant portion of Aloi’s users, 70%, are involved in sustainable agriculture (Krishala), while the remaining 30% are active in the electric vehicle sector(Bijulipower). Aloi currently supports 135 electric vehicles, showcasing its commitment to sustainable and green initiatives. Looking ahead, Aloi plans to work with 3,000 farmers in the coffee and dairy sectors in 2024. These farmers will receive training in climate-smart agricultural practices and support in accessing scale-up financing. Sonika is also exploring opportunities to expand Aloi’s operations to Indonesia, aiming to replicate their success in new markets.

Reflecting on her experience with One Young World, Sonika highlights the pivotal role it played in Aloi’s growth. 

“I went to One Young World as a Standard Chartered Ventures LEAD2030 Winner, and because of it we got connected with Standard Chartered bank in Nepal. That’s how we got our first commercial bank contract for Aloi and that’s still ongoing,” she notes.

One Young World: Empowering Young Leaders

One Young World is a global platform dedicated to empowering young leaders to create a fair and sustainable future. The organization’s community is truly global, encompassing young leaders, corporate partners, and supporters from every country and industry. This diverse community includes activists, humanitarians, world leaders, business leaders, thought leaders, entrepreneurs, politicians, and innovators, all working together towards common goals.

With the largest corporate footprint of any organization in the third sector, One Young World partners with over 190 global businesses, NGOs, and educational institutions. Leading companies from various sectors integrate One Young World into their global talent development, retention, and attraction strategies. Each year, many of these companies deepen their involvement, underscoring their growing commitment to empowering young people.

The organization’s mission aligns closely with the work of leaders like Sonika Manandhar, who are driving change and fostering innovation in their communities. By providing a platform for young leaders to connect, collaborate, and amplify their impact, One Young World continues to play a crucial role in shaping a more equitable and sustainable world.

Reference: https://www.oneyoungworld.com/ambassador-projects/aloi 

References: a. 300 kg average coffee production in Nepal per farm (https://kathmandupost.com/money/2019/12/22/coffee-sector-performing-below-potential-due-to-archaic-ways ) x 11.82 kg CO2e mitigated per kg of coffee (i) / 1000 kg = 3.55 tCO2e mitigated per farm i. 15.33 kg CO2e per kg of coffee produced using traditional methods – 3.51 kg of CO2e per kg of coffee produced sustainably (https://old.risingnepaldaily.com/opinion/climate-friendlycoffee ) = 11.82 kg CO2e mitigated per kg of coffee b. $204 social cost of carbon (https://www.instituteforenergyresearch.org/regulation/epa-ups-estimates-for-the-social-cost-of-carbon/# ) c. 21,900 tCO2 mitigated over operational life cycle / 2,000 low-carbon vehicles introduced (https://www.ccacoalition.org/content/three-wheels-united# ) = 10.95 tCO2 mitigated per vehicle d. $4,726.60 PPP annual GDP per capita of Nepal (https://data.worldbank.org/indicator/NY.GDP.PCAP.PP.CD?contextual=region&locations=NP ) x 30% increase in GDP from financial inclusion efforts in frontier economies (https://www.lazardassetmanagement.com/uk/en_uk/references/fundamental-focus/financial-inclusion) = $1,417.98 PPP 

On Friday, New Business Age Pvt. Ltd. organized the fourth edition of ewBiz Business Women Summit and Awards 2024 in Kathmandu. This event aims to recognize and celebrate the achievements of women entrepreneurs.

With the slogan “Empowering Business Leadership of Nepali Women,” this year’s summit focused on “Strengthening Women’s Business Leadership.”

The event honored 12 outstanding women for their entrepreneurial contributions and societal impact. From which Sonika Manandhar, Co-founder of Aloi won the “Women in Tech” title. The following are the major titles and their respective winners. 

Photo Credit: Madan Lamsal

Category Winners:

• Best Woman Entrepreneur: Mausumii Shrestha, Director of Shreenagar Agro Group
• Lifetime Achievement Award in Women Entrepreneurship: Shyam Badan Shrestha, Founder of Nepal Knotcraft Centre Pvt Ltd

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• Professional Woman of Excellence: Rita Pokharel, Director of InDrive
• Pioneer Social Entrepreneur of the Year: Vedika Murarka, Co-founder of Educase
• Women in Tech: Sonika Manandhar, Co-founder of Aloi

Awards were presented in 12 categories, including ‘Lifetime Achievement Award in Women Entrepreneurship,’ ‘Professional Woman of Excellence,’ ‘Pioneer Social Entrepreneur of the Year,’ ‘Women in Tech,’ and ‘Best Woman Entrepreneur.’ Additionally, one woman entrepreneur from each of the seven provinces in Nepal were awarded in the ‘Emerging Enterprising Woman of the Year’ category, with a prize money of NRs. 51000 each.

Emerging Enterprising Woman of the Year:

• Koshi Province: Maya Gurung of the sandalwood industry in Taplejung
• Madhesh Province: Sunaina Thakur of Sunaina Artski in Dhanusha
• Bagmati Province: Sapna Sapkota of Bella Kasa
• Gandaki Province: Geeta Nath of Karnali Garment Industry in Kaski
• Lumbini Province: Geeta Kumari Koiri Maurya of Banke Poultry Farm in Banke
• Karnali Province: Bhumisara Tomta of Shramjivi Masala Udyog in Surkhet
• Sudurpaschim Province: Savitri Ojha of Green Mountain Agricultural Development Firm in Dadeldhura

The program included a panel discussion on ‘Strengthening Women’s Business Leadership,’ featuring speakers such as Mahesh Bhattarai, Joint Secretary and Chief of Economic Management Division of the National Planning Commission; Swastika Shrestha, CEO of Teach for Nepal; Padmakshi Rana, Executive Director of Impact Hub Kathmandu; and Samanata Thapa, Co-founder and Program Head of Startup Discovery Asia.

Since 2021, New Business Age has organized this annual event to encourage and recognize the contributions of women entrepreneurs in Nepal. The winners in various categories were selected by an independent jury.

Distinguished guests, including Nepal Rastra Bank’s Governor Maha Prasad Adhikari and Supreme Court Justice Sapana Pradhan Malla, attended the awards ceremony, serving as chief guests for the first and second halves of the event, respectively.

The NewBiz Business Women Summit and Awards 2024 not only showcased the achievements of these exceptional women but also inspired future entrepreneurs. Their stories of innovation, resilience, and dedication aims to shape a promising entrepreneurial landscape in Nepal.

References:

• ICT Frame
• New Business Age

NewBiz Business Women Awards 2024: Honoring Top Women Entrepreneurs in Nepal

Empowering Agriculture: Aloi’s Journey with Farmers

In peaceful surroundings where farmers’ hard work and hopes take root, Aloi has combined a tale of transformation and empowerment in the field of MSMEs in Nepal. Meet Aloi, the fintech innovator dedicated to revolutionizing agriculture across multiple sectors, from coffee and dairy to future horizons like tea and seeds. Here’s how Aloi’s journey happens in the heartlands of Nepal, impacting lives and shaping futures.

Coffee: Brewing Success

In the cloudy hills of Ilam, coffee isn’t just a crop; it’s a lifeline for hundreds of local farmers. Partnering with Karma Coffee and Agro Ilam, Aloi introduced digital tokens for finance, catalyzing investments that upgraded the equipment and elevated coffee quality. This initiative didn’t just increase farmers’ incomes by 30% and boost sales for Karma Coffee and Agro Ilam—it cultivated a thriving community where prosperity took root alongside aromatic beans. Aloi teamed up with Karma Coffee, Agro Ilam, and 200+ local farmers to digitally connect people from Gulmi, Lumle and other areas. 

Dairy: Nurturing Growth

Across the plains and valleys, Aloi joined hands with Central Dairy Cooperative Association Limited Nepal (CDCAN) and dairy cooperatives to empower dairy farmers. Digital tokens provided by Aloi facilitated investments in modernization, leading to a 20% increase in milk production efficiency and a 15% reduction in operating costs. Through tech training, farmers embraced sustainable practices and enhanced milk quality, paving the way for a resilient dairy sector poised for sustainable growth. We are conducting a training program where almost 1500+ farmers will be given the opportunity to join. And this training is run by CDCAN and Aloi. 

We have targeted the following areas: 

• Kathmandu 
• Bhaktapur 
• Lalitpur
• Chitwan 
• Tanahu
• Kavre
• Makwanpur

There will be 3 days of training

where 2 days are led by CDCAN covering the SMART climate funding and the final day is run by Aloi, giving training on Financial literacy.

Tea: Brewing a Bright Future

Photo Credit: Aakriti Gajurel

Looking ahead, Aloi envisions a partnership with tea’s premium clients, set to elevate the industry to new heights. By empowering tea producers with digital finance solutions, Aloi aims to boost production efficiency by 30% and reduce environmental impact by 20%. This collaboration promises increased incomes, sustainability and profitability across global markets. 

Seeds and Beyond: Cultivating Tomorrow

Photo Credit: Ayusha Maharjan

Beyond coffee and dairy, Aloi’s plans extends to other agricultural products like seeds, where digital finance and strategic partnerships will unlock new potentials for growth and sustainability. Farmers, once constrained by financial barriers, now find themselves equipped with the tools and support needed to flourish in a competitive market landscape.

Your Journey: From Dream to Reality

At Aloi, we’re more than finance; we’re about nurturing dreams and growth in agriculture. Imagine yourself as a farmer dedicated to your land, dreaming of expanding your farm and providing fresh produce to your community. Yet, financial barriers often stand in your way.

Enter Aloi, your dedicated fintech partner. We offer innovative digital token loans designed to provide the financial boost you need to turn your dreams into reality. With grit and determination, you seize this opportunity, using our support to expand your farm operations and increase your yields.

Our role doesn’t end there. We go beyond financing to connect you with trusted vendors eager to showcase your premium produce. This collaboration opens doors to local markets and upscale restaurants, where your products quickly gain recognition for their quality and freshness.

Supported by Aloi’s expertise and resources, you transform from a small-scale grower into a thriving commercial farmer. Your fields flourish, your community gains access to nutritious, locally grown food, and together, we cultivate a sustainable future where agriculture thrives.

We’re here to empower farmers like you, making dreams grow as we cultivate a brighter, greener tomorrow.

Conclusion: Cultivating Success, Together

In every field and every farmstead, Aloi is sowing seeds of evolution and reaping a harvest of prosperity. By empowering farmers with financial innovation and fostering sustainable practices, Aloi is not just transforming agriculture—it’s nurturing communities, bridging opportunities, and cultivating a future where every farmer and MSMEs businesses thrive. 

Join us on this journey to support the MSMEs in Nepal, where each success story is a testament to the power of partnership and the promise of a brighter, greener tomorrow.

Author: Malina Maharjan

Kathmandu, Nepal – June 19, 2024

Laxmi Sunrise Bank and Aloi are proud to announce the signing of a Memorandum of Understanding (MOU), marking the commencement of a strategic partnership aimed at exploring, evaluating, and potentially initiating and scaling sustainable and green financing through digital interventions.

This collaboration is set to enhance sustainable and green financing initiatives, reinforcing the commitment to environmental stewardship. Also, the partnership will strengthen the bank’s portfolio in the SME and MSME sectors, leveraging leads generated by Aloi to drive growth. By supporting the development of SMEs and MSMEs, this collaboration is poised to make significant contributions to economic progress, fostering job creation and enhancing their impact on the economy. Furthermore, the initiative will include financial literacy and banking-related educational programs for participants identified by Aloi, further solidifying the commitment to economic empowerment and community development.

The agreement was signed by Mr. Dipesh Amatya Chief-RFS at Laxmi Sunrise Bank, and Ms. Sonika Manandhar, Co-Founder and CTO of Aloi. Both parties are dedicated to identifying strategic opportunities within green and sustainable sectors, leveraging their strengths and networks to drive innovation and create impactful change.

This MOU underscores the shared vision of both Laxmi Sunrise Bank and Aloi to foster a sustainable future and drive positive environmental impact through collaborative efforts.

About Aloi:

Aloi is a software platform providing climate financing monitoring for grassroots entrepreneurs. Our software tracks business loan expenditures and repayment automatically to ensure sufficient support and building of trust between lenders and borrowers. For more information, please visit read more about us.

About Laxmi Sunrise Bank: 

Laxmi Sunrise Bank, a premier commercial bank licensed by the Central Bank of Nepal, Nepal Rastra Bank, continues to spearhead transformative initiatives in the Nepalese banking sector. With a wide network of branches nationwide offering a comprehensive range of retail and commercial banking services, Laxmi Sunrise Bank has cemented its position as a cornerstone of the country’s financial landscape via modern technology-driven banking products/services, a progressive business model, and social obligations. The bank aims to use finance to deliver sustainable and green economic, social, and environmental development.