Tasadduq Abbas Regional Programme Officer, Monitoring and Evaluation M&E National Rural Support Programme, Pakistan (2004-07) Master in Development Economics (1999-2003) At present Student of ‘Joint European Master in Comparative Local Development’sponsored by European Commission (2007-08) Short term Experience at Autonomia Foundation and Enterprise Development Foundation of Pest County (PMVA), Hungary Project title during current Master Degree "Does Microfinance make any Difference in the living standard of the Poor?“ Supervisor ; Prof. Péter Futó, Corvinus University of Budapest (Hungary)
HARNESSING PEOPLES’ POTENTIAL Current NRSP Assisted Area of Operations China Afghanistan India Iran
National Rural Support Programme • NRSP is a not for profit, limited company, registered under companies ordinance in November 2, 1991. • The seed company *Rs. 500 million was provided by the Government of Pakistan. • The endowment fund remains the primary source of NRSP’s operating expenses. 1 USD = 60 PAK Rs. 1 PAKR = 3 HUF
NRSP's mandate is to alleviate poverty by harnessing people's potential and undertake development activities in Pakistan. It has a presence in 46 of Pakistan’s 108 Districts in all the four Provinces. • NRSP is currently working with more than 860,000 poor households organized into a network of more than 57,000 Community Organizations.
Assumption • Community is willing to undertake many development activities. However, to harness their willingness, they need; • Social Guidance • Technical Assistance • Access to Financial Resource
General Objective • Objective of NRSP is to foster a countrywide network of grassroots level organizations to enable rural communities to plan, implement and manage developmental activities and programmes for the purpose of ensuring productive employment, alleviation of poverty and improvement in the quality of life.
The Goal • NRSP strives to reduce the intensity of poverty and improve rural people’s quality of life.
Strategy • To harness people’s potential to help themselves.
Methodology • Selection of Union Council • Collection of primary data • Drive through • Identification of activist • Meeting with village people for dialogue with community
Responsibilities of Community • To get organize • Select two honest office bearers for bank transactions etc. • Meet fortnightly • Identification of needs • Prioritization of needs • Community contribution in Development Activities • Capital formation through savings
Responsibilities of NRSP • Identify local volunteers and build their capacity for managing their Community Organizations COs . • Help people in identifying what they are willing to do for improvement of their quality of life • Support communities in preparation of their investment plans • Check feasibility of their investment plans • Improve access of communities towards financial resources through saving and credit program • Link communities with other programmes
People Living below Poverty Line • Farming at own land • Farming on leased land • Share cropping • Livestock keeping • Petty business • Construction labor • Artisans • Govt./Private Services
Sector of NRSP • Social Organization • Micro Finance & Enterprise Development Programme (MEDP) • Monitoring Evaluation & Research (MER) • Human Resource Development (HRD) • Physical Infrastructure & Technology Development (PITD) • Social Sector Services (SSS) • Environment & Natural Resource Management (ENRM) • Finance & Accounts (F&A) • Gender And Development (GAD)
Programme Area As of Apr-07
Programme Coverage As of Apr-07
As of April-07 As of April-07
Organogram Hub/Regional Office Bahawalpur * DO-Bahawalpur DO-Rahim Yar Khan DO-Bahawalnagar DO-Lodhran DO-Vehari FU-Bahawalnagar * FU-Bahawalpur-R FU-Lodhran FU-Vehari FU-Khan Pur FU-Chishtian FU-12/MPR FU-Burewala FU-Bahawalpur-U FU-Liaquat Pur FU-Dahranwala FU-Ahmed Pur East FU-Dunya Pur FU-Garha More FU-Khan Bela FU-Haroonabad FU-Yazman FU-Kehror Pacca FU-Minchinabad FU-Hasilpur FU-Jahanian FU-Faqir Wali FU-Shujah Abad FU-Fortabbas District# of FU Bahawalpur/RYK 10 Bahawalnagar 07 Lodhran 04 Vehari 03 * District Office * Field Unit RO Bahawalpur 24
Regional Level Organizational Setup ofNRSP-Bahawalpur Regional General Manager (RGM) Regional Professional Microcredit Regional Professional F&A Regional Professional PITD Regional Admin Officer Regional Professional M&E Regional Professional HRD Assistants Assistants Assistants Assistants Assistants Assistants Districts Units
FUI/SSO Accounts Assistant Accounts Assistant Accounts Assistant Accounts Assistant MEDP Social Mobilization SO Sr.Cr.O Surveyor F.Eng Cr.O Cr.O Cr.O Sr.Cr.O FW FW FW FW FW FW FW FW FW Sr.Cr.O Cr.O Cr.O Cr.O Cr.O Cr.O Cr.O FW FW FW FW FW FW FW FW FW FW FW FW FW FW FW FW FW FW 1 FW / 60 COs 1 CO / 10 average member
Social Mobilization As of Apr-07
Social Mobilization Criteria of COs Categorization • A:(Regular Meetings & savings, 100% Recovery, local Initiatives taken) • B:(Regular Meetings & savings, 100% Recovery, local Initiatives not taken) • C:(Inconsistent Meetings, savings and Credit overdue but likely to be recovered) • D:(No Meetings & savings, Inactive after some • intervention)
Utilization of Saving CO members can use their saving in difficult times for different purpose for example: • Sickness • Construction Room/Bathroom or Boundary wall • Wedding • School/College fee payment • Burial Expenses. • Purchase of home appliances • Repayment of loans.
Poverty Ranking of CO Members as of Apr 2007 Social Mobilization
Social Mobilization COs Grading as of Apr 2007 Total: 11,247 Active COs: 9,888 A: 1,500 B: 7,634 C: 754 D: 1,359
Micro Credit As of Apr-07 1 USD = 60 PAK Rs. 1 PAKR = 3 HUF
Disbursement by Sector (Total) as of Apr 2007 Micro Credit Micro Credit Total: 4.2 Billion Agriculture: 3,859 M Livestock: 74 M Enterprise: 314 M 1 PAKR = 3 HUF
Credit Programme Enormous demand of micro credit amongsmall farmers • Existing credit out lets: - Cash from money lenders @ Rs. 100 per 1000 per month - Borrow seed, fertilizer and pesticide from shopkeepers and pay cash (@ 54% interest per year) on crop harvest. 1 PAKR = 3 HUF
Rural Credit Model at Bahawalpur • Intervention strategy: • Formation of credit & saving groups (COs) • Help identifying them their group leaders (President and Managers) • Fortnightly calendar meetings • Regular savings • Group responsibility of repayment • Credit utilization by the borrowers themselves not by their tenants, servants, relatives and friends • Credit appraisal: First appraisal by field worker at borrowers household and second by Credit Office / SO in CO general body meeting
Credit Packages 1 PAKR = 3 HUF
Health Insurance As of Apr-07
NRSP Dispensaries and Medical Camps As of Apr-07
I.T Section As of Feb-07
Physical Infrastructure & Technology Development As of Apr-07
Physical Infrastructure & Technology Development (Community & Donor Share MRs.) As of Apr-07 1 PAKR = 3 HUF
Human Resource Development As of Apr-07
Punjab Education Sector Reforms Programme (PESRP) As of Apr-07 *School Development Plan
Quarterly Enrollment Trend Punjab Education Sector Reforms Programme (PESRP)