There are many problems facing the SFDP especially in the management of the programme.
In light of the problems being faced by the SFDP, the GTZ in collaboration with the ADBN launched a technical assistance project in 1987 to try and transform SFDP SPOs into autonomous financial intermediaries, owned and managed by the members.
From examining the problems of the SFDP and the successes of the SFCL, poor management can be seem as the major factor that has hurt the viability of the SFDP.
As was seen from the descriptions of the SFDP and PCRW, poor management has been a major factor affecting the performance of these programmes.
In terms of the SFDP, the rapid expansion of the programme had forced the ADBN "to place a person from the regular staff pool as a GO.
While the SFDP and PCRW conceptually have linkages with line agencies, the actual practice has seen little cooperation between the SFDP and PCRW with line agencies and has thus contributed negatively to their overall performance.
Examination of the SFDP and PCRW in Nepal had found that poor management has been a major impediment to programme performance.