शुभ बचत तथा ऋण सहकारी संस्था लिमिटेड
Shubha Saving & Credit Cooperative Ltd
हाम्रो संस्थाका समितिका वर्तमान सदस्यहरू। Current members guiding our institution.
आदरणीय सदस्यज्यूहरू,
सादर नमस्कार।
शुभ बचत तथा ऋण सहकारी संस्था लिमिटेडप्रति यहाँहरूले देखाउनुभएको अटल विश्वास, निरन्तर सहयोग र सक्रिय सहभागिताप्रति सम्पूर्ण सञ्चालक समितिको तर्फबाट तथा मेरो व्यक्तिगत तर्फबाट हार्दिक धन्यवाद तथा कृतज्ञता व्यक्त गर्दछु।
सहकारी भनेको केवल बचत र ऋणको कारोबार गर्ने संस्था मात्र होइन, सदस्यहरूको आर्थिक, सामाजिक तथा सांस्कृतिक विकासको साझा अभियान हो। "एक सदस्य, एक मत" को लोकतान्त्रिक मूल्य, पारदर्शिता, उत्तरदायित्व र सहकार्यको भावनालाई आत्मसात गर्दै हाम्रो संस्था सदस्यहरूको जीवनस्तर उकास्ने लक्ष्यका साथ निरन्तर अघि बढिरहेको छ।
शुभ बचत तथा ऋण सहकारी संस्थाले स्थापनाकालदेखि नै सदस्यहरूको हितलाई सर्वोच्च प्राथमिकतामा राख्दै सुरक्षित बचत, सहज ऋण, वित्तीय अनुशासन, आधुनिक प्रविधिमैत्री सेवा तथा गुणस्तरीय सदस्य सेवा प्रदान गर्दै आएको छ। आगामी दिनहरूमा पनि संस्थालाई अझ सक्षम, पारदर्शी, प्रविधिमैत्री र सदस्यमैत्री बनाउँदै सदस्यहरूको विश्वासलाई अझ मजबुत बनाउने हाम्रो प्रतिबद्धता रहेको छ।
प्रिय सदस्यज्यूहरू, संस्थाको सफलता सञ्चालक समिति वा कर्मचारीहरूको प्रयासले मात्र सम्भव हुँदैन। नियमित बचत, समयमै ऋण भुक्तानी, संस्थाका कार्यक्रमहरूमा सक्रिय सहभागिता तथा सहकारीका सिद्धान्त, मूल्य र मान्यताको पालना गर्ने प्रत्येक सदस्यको योगदान नै संस्थाको वास्तविक शक्ति हो। यहाँहरूको यही साथ, सहयोग र विश्वासले हाम्रो संस्थालाई थप उचाइमा पुर्याउनेछ भन्ने विश्वास लिएको छु।
हामी उत्पादनमूलक लगानी, उद्यमशीलता विकास, वित्तीय साक्षरता, डिजिटल सेवा विस्तार तथा सदस्यहरूको आर्थिक सशक्तीकरणलाई केन्द्रमा राखी नवीन कार्यक्रमहरू सञ्चालन गर्न प्रतिबद्ध छौं। संस्थाको दिगो विकाससँगै प्रत्येक सदस्यको समृद्धि नै हाम्रो मुख्य उद्देश्य हो।
अन्त्यमा, संस्थाप्रति निरन्तर विश्वास र साथ दिनुहुने सम्पूर्ण सदस्यज्यूहरू, कर्मचारी, व्यवस्थापन, पूर्वपदाधिकारी तथा शुभेच्छुकहरूमा हार्दिक धन्यवाद व्यक्त गर्दछु। आगामी दिनहरूमा पनि यही आत्मीयता, सहकार्य र एकताका साथ संस्थालाई अझ समृद्ध, सक्षम र नमुना सहकारीको रूपमा स्थापित गर्न सबैको सक्रिय सहयोगको अपेक्षा गर्दछु।
"सहकार्यमा शक्ति, पारदर्शितामा विश्वास र सदस्य समृद्धिमा हाम्रो प्रतिबद्धता।"
धन्यवाद।
अध्यक्ष
शुभ बचत तथा ऋण सहकारी संस्था लिमिटेड
Dear Valued Members,
Warm greetings!
On behalf of Shubha Saving and Credit Cooperative Ltd., and on my own behalf, I would like to express my sincere gratitude for your unwavering trust, continuous support, and active participation in our cooperative.
A cooperative is not merely a financial institution that provides savings and loan services; it is a collective movement dedicated to improving the economic, social, and cultural well-being of its members. Guided by the cooperative values of democracy, transparency, accountability, equity, and mutual cooperation, our institution remains committed to enhancing the quality of life of every member.
Since its establishment, Shubha Saving and Credit Cooperative Ltd. has consistently prioritized the interests of its members by providing secure savings facilities, accessible credit services, sound financial management, technology-driven services, and quality member care. We remain committed to strengthening our institution by making it more transparent, efficient, innovative, and member-centered while continuing to earn and uphold your trust.
Dear members, the success of our cooperative is not achieved solely through the efforts of the Board of Directors or the management team. It is built upon the active participation of every member through regular savings, timely loan repayment, participation in cooperative activities, and adherence to cooperative principles and values. Your continued confidence and cooperation are the foundation of our sustainable growth and future success.
Looking ahead, we are committed to expanding digital services, promoting financial literacy, supporting productive investments and entrepreneurship, and introducing innovative programs that contribute to the economic empowerment and prosperity of our members. Our primary goal is to ensure that the growth of the cooperative translates into the well-being and prosperity of every member.
Finally, I extend my heartfelt appreciation to all our members, employees, management team, former office bearers, and well-wishers for their invaluable support and dedication. I look forward to your continued cooperation as we work together to build a stronger, more prosperous, and exemplary cooperative for generations to come.
"Strength through Cooperation, Trust through Transparency, and Prosperity through Member Empowerment."
Thank you.
Chairperson
Shubha Saving and Credit Cooperative Ltd.
संस्थाको विनियम २०७७ को दफा ३६ अनुसार संचालक समितिः (१) संस्थाको दैनिक कार्य संचालनका लागि साधारणसभाले एकजना अध्यक्ष, एकजना उपाध्यक्ष, एकजना सचिव, एकजना कोषाध्यक्ष र बाँकी ५ जना सदस्यहरु समेत जम्मा ९ जनाको संचालक समिति गठन गर्नेछ ।
(२) उपदफा (१) बमोजिम
समितिको गठन गर्दा दफा ३३ बमोजिम उपक्षेत्र कायम गरिएको अवस्थामा यथासम्भव ती
क्षेत्रहरुबाट समेत प्रतिनिधित्व हुने गरी सञ्चालकहरुको निर्वाचन गर्नुपर्नेछ।
(३) उपदफा (१) बमोजिमको
समितिमा उपलब्ध भएसम्म एकजना पदाधिकारी सहित त्यात्तिस प्रतिशत महिलाको
प्रतिनिधित्व सुनिश्चित गर्नुपर्नेछ।
(४) संचालकहरुको पदावधि तीन वर्ष हुनेछ तथा उनीहरु पुनः
निर्वाचित हुन सक्नेछन् । तर एकै व्यक्ति लगातार दुई कार्यकाल भन्दा बढी एकै पदमा
निर्वाचित हुन सक्ने छैन ।
(५) कम्तीमा पनि एक
कार्यकाल संचालक समिति र लेखा सुपरिवेक्षण समितिको सदस्य पदमा वा एकीकरण पूर्वको
सहकारीमा एक कार्यकाल पूर्ण रुपमा अध्यक्ष, उपाध्यक्ष, सचिव, कोषाध्यक्ष र लेखा परिवेक्षण समितिको संयोजक रहेको व्यक्तिमात्र पदाधिकारी
(अध्यक्ष, उपाध्यक्ष, सचिव, कोषाध्यक्ष र लेखा सुपरिवेक्षण समितिको संयोजक) पदमा उम्मेदवारी दिन सक्नेछ
।
(६) संचालक समिति र लेखा सुपरिवेक्षण समितिको सदस्यमा आउनको लागि
कम्तीमा एक अवधि सेवा केन्द्रमा संचालक भएको वा एकीकरण पूर्वको सहकारीमा एक
कार्यकाल पूर्ण रुपमा संचालक भएको हुनु पर्नेछ ।
(७) संचालक समितिको पदावधी
समाप्त हुन अगावै नयाँ समितिको निर्वाचन गराउने दायित्व संचालक समितिको हुनेछ।नयाँ
समिति निर्वाचन नभएसम्मको लागि मौजुदा समितिले नै कार्य गर्नेछ।
(८) एकै परिवारको एकभन्दा बढि सदस्य एकै अवधिमा संचालक वा
लेखा सुपरिवेक्षण समितिको पदमा उम्मेदवार बन्न वा वहाल रहन सक्नेछैन् ।
(९) संस्थालाई तिर्न वुझाउन वाँकी रहेको सदस्यले उक्त रकम
नवुझाउदा सम्म उम्मेदवार हुन पाउनेछैन्।
(१०) संचालकहरुको कुनै पद कुनै कारणले रिक्त भएमा वाँकी अवधिको
लागी साधारण सभाबाट निर्वाचनद्वारा मात्र पूर्ति गर्न सकिनेछ।
संस्थाको विनियम २०७७ को दफा ३७ अनुसार संचालक समितिको काम, कर्तव्य र अधिकारः सदस्यहरुको हितलाई ध्यानमा राखी संचालक मितिले देहाय बमोजिमका कार्यहरु
गर्नेछः–
(क) सहकारीका मूल्य, मान्यता र सिद्धान्त बमोजिम सहकारी संस्था सञ्चालन गर्ने,
(ख) आर्थिक तथा प्रशासकीय कार्य गर्ने, गराउने,
(ग) प्रारम्भिक साधारण सभा, वार्षिक साधारण सभा तथा विशेष साधारण सभा बोलाउने,
(घ) साधारण सभाका निर्णयहरू कार्यान्वयन
गर्ने, गराउने,
(ङ) संस्थाको नीति, योजना, बजेट तथा
बार्षिक कार्यक्रमको तर्जुमा गरी साधारण सभा समक्ष पेश गर्ने ,
(च) संस्थाको सदस्यता प्रदान गर्ने तथा
सदस्यताबाट हटाउने,
(छ) शेयर नामसारी तथा फिर्ता सम्बन्धी
कार्यगर्ने ,
(ज) सम्बन्धीत संघको सदस्यता लिने,
(झ) विनियम तथा आन्तरिक कार्यविधि तयार
गरी साधारण सभामा पेश गर्ने,
(ञ) बजारदरको आधारमा वचत तथा ऋणको व्याजदर
समय समयमा परिवर्तन र यसरी परिवर्तन भएको व्याजदर
साधारणसभाबाट अनुमोदन हुनु पर्नेछ ।
(ट) संस्थाको कार्यक्षेत्र भित्र संस्थाको
कारोबार र व्यवसायको हित प्रवर्द्धनको लागि आवश्यक कार्य गर्ने, गराउने ।
(ठ) उपसमिति गठन र विगठन गर्ने,
(ड) सदस्यहरुलाई निरन्तर रुपमा सदस्य
शिक्षा प्रदान गर्ने
(ढ) निरक्षण
अनुगमन कार्यमा सहयोग गर्ने
(ण) लेखा सुपरिवेक्षण समितिबाट प्राप्त
सुझावहरुलाई कार्यान्वयन गर्ने ,
(त) सम्पत्ति शुद्धिकरण कानुन वमोजिमका
व्यवस्था कार्यान्वयन गर्ने
(थ) साधारण सभाले तोकेवमोजिमका अन्य कार्यहरु गर्ने।
(As per Clause 36 of the biniyam, 2077)
(1) For the day-to-day operation of the Cooperative, the General Assembly shall constitute an 9-member Board of Directors, consisting of one Chairperson, one Vice-Chairperson, one Secretary, one Treasurer, and Five Members.
(2) While constituting the Board pursuant to Sub-clause (1), if sub-regions have been established in accordance with Clause 33, the Directors shall, as far as practicable, be elected in such a manner as to ensure representation from those sub-regions.
(3) In the Committee constituted pursuant to Sub-clause (1), as far as available, thirty-three percent (33%) representation of women, including at least one office bearer, shall be ensured.
(4) The term of office of the Directors shall be three years, and they may be re-elected. However, the same person shall not be elected to the same position for more than two consecutive terms.
(5) Only a person who has completed at least one full term as a member of the Board of Directors or the Audit and Supervisory Committee, or who has served one full term as Chairperson, Vice-Chairperson, Secretary, Treasurer, or Coordinator of the Audit and Supervisory Committee in the pre-merger Cooperative, shall be eligible to contest for the office bearer positions (Chairperson, Vice-Chairperson, Secretary, Treasurer, and Coordinator of the Audit and Supervisory Committee).
(6) To be eligible for election as a member of the Board of Directors or the Audit and Supervisory Committee, a person must have served at least one term as a Director at the Service Centre, or must have completed one full term as a Director in the pre-merger Cooperative.
(7) It shall be the responsibility of the Board of Directors to conduct the election of a new Committee before the expiry of its term of office. Until a new Committee is elected, the existing Committee shall continue to perform its functions.
(8) More than one member from the same family shall not be eligible to contest for, or simultaneously hold office in, the Board of Directors or the Audit and Supervisory Committee during the same term.
(9) A member who has any outstanding amount payable to the Cooperative shall not be eligible to become a candidate until such amount has been fully paid.
(10) If any position of the Board of Directors becomes vacant for any reason, such vacancy shall be filled only through election by the General Assembly for the remaining term.
(As per Clause 37 of the biniyam, 2077)
In consideration of the interests of the members, the Board of Directors shall perform the following functions:
(a) Operate the Cooperative in accordance with the cooperative values, norms, and principles.
(b) Perform and cause to be performed the financial and administrative functions.
(c) Convene the Initial General Assembly, Annual General Assembly, and Special General Assembly.
(d) Implement and cause to be implemented the decisions of the General Assembly.
(e) Formulate the policies, plans, budget, and annual programme of the Cooperative and submit them to the General Assembly.
(f) Grant membership and remove membership.
(g) Carry out matters relating to the transfer and refund of shares.
(h) Obtain membership in the concerned Union/Federation.
(i) Prepare the Bylaws and internal procedures and submit them to the General Assembly.
(j) Revise the interest rates on savings and loans from time to time on the basis of the prevailing market rate, and such revised interest rates shall be approved by the General Assembly.
(k) Perform and cause to be performed the necessary activities for the promotion of the business and transactions of the Cooperative within its area of operation.
(l) Constitute and dissolve sub-committees.
(m) Provide continuous member education to the members.
(n) Assist in inspection and monitoring activities.
(o) Implement the recommendations received from the Audit and Supervisory Committee.
(p) Implement the provisions in accordance with the Anti-Money Laundering Law.
(q) Perform such other functions as may be prescribed by the General Assembly.