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Automation of documents related to loan investment and recovery in cooperative institutions, leading digital transformation in Nepal's cooperative sector through Aakash DMS.

Worked with the board of directors to establish objectives, oversee financial structure, ensure compliance, manage HR and daily operations, and strengthen community relations for sustainable cooperative growth.

Directed cooperative operations, maintained fiscal discipline, coordinated strategic planning, and strengthened the cooperative's service delivery and compliance with regulatory bodies.

Managed advertising coordination, collaborated with marketing agencies, oversaw budgeting and campaign execution, and built strong relations with business partners and advertisers.

Planned and executed marketing strategies, handled client communications, and managed recovery and debt tracking activities while strengthening customer trust and brand presence.

Provided customer service and product guidance, maintained stock organization, and enhanced customer satisfaction through professional sales and communication.

Investigated why the loan documents of cooperatives are weak and suggested measures to improve them, including proper digitization, standardized documentation, and staff training.

Selected for oral presentation at SIP 2026 Canada. Keywords: Digital transformation, cooperatives, workflow automation, document management, financial inclusion, Nepal.

This paper addresses a critical challenge in Financial Inclusion and FinTech in Emerging Economies — specifically, the systemic lack of digitization within Nepal's high-impact cooperative financial sector.

Surveyed customers in Pokhara to determine the percentage satisfied with internet services, highlighting service gaps and areas for improvement. In partial fulfillment of the requirement of the degree of Master in Business Studies (MBS).

Explored how many people are concerned about the future loan application process without physical documents and identified strategies to ease the transition to paperless workflows.

• Responsive & mobile-friendly
• SEO optimized
• Contact forms & analytics
• Free 30-day support

• Breaking news & categories
• User authentication
• Social sharing
• Admin dashboard

• Room booking system
• Gallery & amenities
• Online payment ready
• Multi-language support

• Invoice & expense tracking
• Financial reports
• Multi-user access
• Data backup & security

• 99.9% uptime
• Free SSL
• Daily backups
• cPanel included

• yourname@yourdomain.com
• 5 GB storage
• Spam protection
• IMAP/SMTP

• Network security
• Phishing awareness
• Data privacy
• Incident response

Nepal's premier fintech solution for cooperatives — complete automation of loan documents, member management, reporting dashboards, and document digitization. Used by cooperatives across Gandaki Province.

Official company website for Aakash Digital Pvt. Ltd. showcasing the DMS software, services, client cooperatives, and digital transformation mission in Nepal's financial sector.

Developed a responsive bilingual (Nepali/English) website for Jaya Manakamana Saving & Credit Cooperative with online presence, member information, and interest rate display.

Designed and developed a professional website for Bishal Saving and Credit Cooperative Ltd. enabling digital presence and member communication.

Built a bilingual cooperative website for Lekhanath Saving and Credit Cooperative with information portal, contact forms, and financial information display.