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Smart Chhori (Daughter) by Khalti

Empower young girls through financial inclusion & digital literacy training along with mobile money platform to generate income for them.

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Explain your project idea (2,000 characters)

Smart Chhori (Smart Daughter) is an initiative of Khalti digital wallet, which aims to empower girls and women in the sector of digital and financial literacy. The selected young girls aged 19-24 are provided with a training on money management, online safety, digital skills, soft skills and sales skills and are also provided with a flexible work opportunity to earn money using Digital Wallet. Our aim is to not only educate them and aware them on those skills, but to also provide them a platform where they can apply those learnings and become digitally and financially literate individuals Nepal is moving towards building smart cities which is not possible by only focusing on smart technologies and infrastructures. Smart cities are not just cities with high end technology and infrastructures but also equally smart and capable manpower who are well equipped and well skilled to manage those resources. With a country with 51% of female population, it is even more difficult to achieve that goal without including girls and women. So, we are trying to build a network of women change agents who can empower more women. Smart Chhori by Khalti is for driving financial Inclusion & digital literacy in Nepal which will help in empowering young girls and youths for developing local communities by creating jobs, developing entrepreneurs and bringing easy access to finance to all. As this is not just a training program, but a flexible work opportunity for girls using digital wallet & mobile money, we believe that they will be independent and grow themselves. This will create employment opportunities for girls and build their confidence. Everyday 2000+ migrant workers leave Nepal in search of work abroad. A lot of females are victim of unsafe migration too. We want to create skills as well as platform for them to work in their own country peacefully.

Who are the beneficiaries? (1,000 characters)

The Direct Beneficiaries of the program will be Girls in Nepal as below · Girls of age 19-24 years of age and who have a smart phone · Girls currently doing their Bachelor’s in Arts or Management or are in their gap year · Girls from urban and semi urban areas from lower middle class income families · Girls looking for a flexible working hours · Girls who are interested in learning digital and financial skills Indirect Beneficiaries : Younger Sisters of the girls Other Women in their direct family and extended family Other girls studying in the same College as the Smart Chhoris Shops in the community where the Smart Chhori resides

How is your idea unique? (1,000 characters)

In our country, there have been many workshops and training happening for youth and girls. However, these workshop and training are often short termed/sighted and are often theoretical. But Smart Chhori is not just a workshop but also a platform where they can use their learning from workshops and implement them to get real world experience. We believe providing them with a practice platform will help them to learn better as well as earn money in their journey. Smart Chhoris can not only learn about sales skills, online safety, digital skills and money management but also use those lessons and earn using our digital wallet where they can use their money management skills, sales skills and digital skills learned during the workshop.

Idea Proposal Stage (choose one)

  • Pilot: I have started to implement the idea as a whole with a first set of real users.

Tell us more about your organization/company (1 sentence and website URL)

Khalti is the fastest growing digital wallet in Nepal, focused on driving financial inclusion. Nepal has 35%+(Ref: population left out from financial services but almost 100% mobile coverage. Using mobile technology, Khalti wants to bring easy access to quality financial services for hard to reach populations and create robust digital finance ecosystem that will lay groundwork for digitization and smart cities, bringing economic revolution in Nepal.

Expertise in sector

  • 7+ years

Organization Filing Status

  • Yes, we are a registered company.

In 3-4 sentences, tell us the inspiration or story that encouraged you to start this project.

Women in Nepal are still far behind when it comes to digital literacy and financial independence. Nepal already has a high female unemployment rate and lacking digital skills has become one of the barriers for women and girls in enhancing their career. We see a lot of girls and women not getting the equal opportunities as men because of lack of skills in digital and financial sector. So, we saw the need to bridge the gap of e-skills by providing them skills development workshop & earning modules

Please explain how your selected topic areas are influenced, in the local context of your project (1,000 characters).

We firmly believe that peace and prosperity , specially for women in Nepal, is directly related to their income, economic independence, self-identity , how they are treated and perceived in society and their own confidence. Nepal surprisingly has more number of smartphones than toilets in the country. We also believe that mobile technology can be one of the strongest mean to deliver financial services throughout the country. However, this transition will require a lot of people to people interaction and trust building. It's time, we need to add humanity to technology and for this , we will need agents of change in our society who can act as role models as digitally smart and ‘girls in finance’ for building smarter communities. Smart chhoris will use the digital wallet to make payments and also aware and educate others to do the same thus making their life easier, making them Smart in their home. Moreover, they can also earn money using digital wallet and build their identity.

Who will work alongside your organization in the project idea? (1,000 characters)

To bring this project idea into reality, we are and will be partnering with local organizations who can facilitate the workshops on various skills development sessions. We have partnered with Samartha Nepal to provide money management skills to the girls and similarly, we have also partnered with Women in STEM and Google Business Group- Womenwill to provide training on online safety and digital skills. With these partnerships, we aim to equip girls with training on the critical skills that are required for today’s workforce. In the pilot batch that we conducted on May, Samartha Nepal provided a basic training on money management to the girls who had just completed their school certificate and undergraduate students. Similarly, Women in STEM also provided them a training on online safety and social media where the same girls were taught about the do’s and don’ts of social media, staying secure online and other digital skills.

Please share some of the top strengths identified in the community which your project will serve (500 characters)

The girls and women in our community are keen towards learning new experiences and are actively involved in workshops and programs outside their colleges as well. They really want to do something productive with their smart phones and are looking for platforms to explore. Another strength is that mobile penetration in Nepal is almost 100% and Internet / Smartphone penetration is above 50%. This gives us a major advantage to empower girls and women in the sector of digital finance.

Geographic Focus


How many months are required for the project idea? (500 characters)

We can launch full fledged within 6 months and program continues for 2 years from that.

Did you submit this idea to our 2017 BridgeBuilder Challenge? (Y/N)

  • No


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