Post by @thedoersnepal

The problem is a financial architecture that only knows how to lend to real estate. If a 25-year-old software architect or agro manufacturer walks into a commercial bank in Kathmandu, the conversation rarely starts with unit economics, retention curves, or customer acquisition costs. It almost always starts with: “तपाईंको बुवाको नाममा काठमाडौंमा घर छ?” When you demand a family home for an intellectual product, you aren’t providing risk capital. You are asking an ambitious builder to gamble their family’s roof on an economic bet. Until our system learns to value cash flows and balance sheets over brick-and-mortar mortgages, our most talented minds will keep leaving for ecosystems that do. 🎙️ Full episode with Suman Raj Timsina (Everest Federal Credit Union) on The Doers. Link in bio.