Insights
Notes on lending in Nepal
Things we have had to work out while building Khepee, written down for the institutions weighing the same questions. Opinionated where we have a view, and explicit where we do not.
This section is not published yet
We would rather publish nothing than fill this page with search-optimised filler. The topics below are ones we have genuine material for and intend to write properly. If any of them would be useful to you sooner, say so and we will prioritise it — a real question from a real institution is a better reason to write than a content calendar.
Planned
What we intend to write about
The three routes to lending in Nepal
Own licence, P2P and the TSP model — what each requires, what each costs, and why only one is open today.
Encoding a regulatory limit properly
Why a loan ceiling belongs in four places rather than one, and what happens when it is only in the UI.
Why money must be an integer
What floating-point arithmetic does to a 36-month amortisation schedule, with the actual numbers.
Designing an audit trail an examiner can read
Append-only storage, purpose binding, and keeping personal data out of the log without losing evidence.
Multi-tenancy without leaks
Why a cross-tenant lookup should return 404 rather than 403, and how to verify isolation mechanically.
Collections conduct in South Asia
What went wrong in neighbouring markets, and which technical constraints prevent it rather than merely discourage it.
In the meantime
The detailed material is already on the site
Most of what would go into these posts already exists in the compliance and technology sections, written for institutions rather than for search engines.
- How compliance is enforced, layer by layer
- The audit trail and what each entry carries
- The security model, including what has not been done yet
- The technology stack and why each choice was made
Coming soon
Tell us what would actually be useful
If your institution is weighing a specific question, that is a better prompt than anything on our list.