About Shram Jyoti SACCOS

Shram Jyoti SACCOS is a savings and credit cooperative organization based in Kathmandu, Nepal. It functions as a community-based financial institution where members can save money, access credit (loans), and participate in cooperative financial services rather than relying on traditional commercial banks. It was established to support local people—especially small entrepreneurs, workers, and community members—by providing affordable financial services such as savings accounts, loan facilities, and cooperative investment opportunities. Like other SACCOS institutions in Nepal, it operates on a member-owned model, meaning users are both customers and stakeholders.