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The early concept of establishing an actually inclusive and wide-ranging financial institution was envisaged by Rural Self-reliance Development Centre (RSDC) a NGO, working to materialize 'self-reliant' and 'self-dependant' society. Rural Self-reliance Development Centre (RSDC) had already established and promoted 171 cooperatives (known as Swawalamban Sahakari) in 12 districts, with strong belief that local financial demands can be fulfilled and economic activities stimulated by consolidating local institutions (mainly cooperatives). As anticipated, Rural Self-reliance Development Centre, succeeded to fulfill local financial demands and stimulate economic activities to some extent, but shortly, those cooperatives turned to be unable to provide the required financial