1. Background:
Lack of financial services throughout the country is a major problem of economic development in Nepal. Half of the population lie below poverty line, living in rural villages. Realizing the necessity of Micro finance institution in the community, Bindhavasini Savings Fund Co-Operative Society Ltd.(BISCOL) is organized with a 55 founder members. BISCOL is a community, group and member based co-operative model Micro Finance institution established on 27th December 1993, registered under Co-Operative Act. Limited. Banking function was started on 24th October 1995 with the approval from the Central Bank. BISCOL is providing two kinds of services from four regional offices Khopasi, Panauti, Banepa and Dhunkharka.
1)    Co-Operative Banking services to the members.
2)    Micro Finance services to the poor women.                       
2. Mission: 
  To promote savings and mobilize credit on productive activities including social and community reforms with group concept and active group participation. 

3. Vision: 
  To deve