Transcript (Download) - Magyarorszag.hu

National Rural Support Program,
Pakistan
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
Iran
Assisted Area of Operations
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
Field Surveys
Issues
Activities
Lack of resources
Micro credit
Irrigation water
Water Course Lining and Tube wells
Crop failures
Agriculture trainings
Health Issues
Insurance/Dispensary/Health Camps
Unproductive
livestock
Artificial Insemination, Livestock management
training courses, Workshops & Vaccination
Lack of village level
physical
infrastructure
Physical infrastructure schemes
Education
Encourage Community Model Schools
Lack of employment
opportunities
Vocational Training
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
1. Social Organization
2. Micro Finance & Enterprise Development
Programme (MEDP)
3. Monitoring Evaluation & Research (MER)
4. Human Resource Development (HRD)
5. Physical Infrastructure & Technology
Development (PITD)
6. Social Sector Services (SSS)
7. Environment & Natural Resource Management
(ENRM)
8. Finance & Accounts (F&A)
9. Gender And Development (GAD)
NRSP Bahawalpur Region
Programme Area
Programme Area
As of Apr-07
Area (sq. km.)
# of Districts
# of Tehsils
# of Union Councils
# of Revenue Villages/Blocks/Town
# of Field Offices
# of Village Branches/Settlement
Offices
47,935
5
19
424
4,348
24
35
Average Area & Population
Area (sq.
km)
Total Region
Population
47,935
8,954,690
District / 5
9,587
1,790,938
Tehsil / 19
Union Council / 424
2,523
113
471,299
21,119
Programme Coverage
As of Apr-07
# of Total UCs
424
Intervened UCs
331
% Covered UCs
Population
78%
8,954,690
Total Households
Total Households
(Intervened UCs)
1,290,409
943,459
Organizeable Hhs (Intervened UCs)
518,903
Organized Hhs. Membership
% Organized Hhs
131,700
25.3%
(Average Hhs member 7 )
Millions
Income & Exp Comparison
As of April-07
As of April-07
200
150
100
50
2002-03
2003-04
Exp
2004-05
2005-06
Income
2006-Apr-07
Organogram
* DO-Bahawalpur
DO-Rahim Yar Khan
Hub/Regional Office
Bahawalpur
DO-Bahawalnagar
DO-Lodhran
DO-Vehari
FU-Khan Pur
FU-Bahawalnagar
FU-Lodhran
FU-Vehari
FU-Bahawalpur-U
FU-Liaquat Pur
FU-Chishtian
FU-12/MPR
FU-Burewala
FU-Ahmed Pur East
FU-Khan Bela
FU-Dahranwala
FU-Dunya Pur
FU-Garha More
FU-Yazman
FU-Haroonabad
FU-Kehror Pacca
FU-Hasilpur
FU-Minchinabad
FU-Jahanian
FU-Faqir Wali
FU-Shujah Abad
FU-Fortabbas
* FU-Bahawalpur-R
District
# of FU
Bahawalpur/RYK
10
Bahawalnagar
07
Lodhran
04
Vehari
03
RO Bahawalpur
24
* District Office
* Field Unit
Regional Level Organizational Setup of
NRSP-Bahawalpur
Regional General Manager
(RGM)
Regional
Professional
Microcredit
Regional
Professional F&A
Regional
Professional PITD
Assistants
Assistants
Assistants
Regional
Admin Officer
Assistants
Districts
Units
Regional
Professional M&E
Assistants
Regional
Professional HRD
Assistants
FUI/SSO
Accounts Assistant
Accounts Assistant
Accounts Assistant
Accounts Assistant
MEDP
Social Mobilization
SO
Sr.Cr.O
Cr.O
Cr.O
Surveyor
Cr.O
F.Eng
Sr.Cr.O
FW
FW
FW
FW
FW
FW
FW
FW
FW
Sr.Cr.O
Cr.O
FW
FW
Cr.O
FW
FW
1 FW / 60 COs
1 CO / 10 average member
FW
Cr.O
FW
FW
FW
Cr.O
FW
FW
FW
Cr.O
FW
FW
FW
Cr.O
FW
FW
FW
FW
Target Program Area
Social Mobilization
Men
# of COs (Total) 9,447
Women Mixed
As of Apr-07
Total
1,723
77
11,247
A
1,335
155
10
1,500
B
6,429
1,140
65
7,634
C
D
621
1,062
132
296
1
1
754
1,359
8,385
1,427
76
9,888
Membership 116,248
15,416
-
131,700
21
-
237
# of Active COs
Saving
(MRs.)
216
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)
Community Meeting
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
Social Mobilization
as of Apr 2007
Well to do
261
0.2 %
11,089
8.4 %
101,760
77.3 %
Very Poor
18,523
14 %
Destitute
67
0.1 %
Better off
Poor
Total
131,700
Social Mobilization
COs Grading
as of Apr 2007
D
12%
A
13%
C
7%
Total:
11,247
Active COs: 9,888
A:
B:
C:
D:
B
68%
1,500
7,634
754
1,359
Micro Credit
Total Disbursement
# of Total Loans
Current Loan Amount
As of Apr-07
PAK MRs.
4,248
USD M 70.8
315,084
PAK MRs.
843
USD M 14
# Of Current Loans
67,432
Recovery Rate (Since Inception)
98.7 %
Recovery Rate (2006-07)
99.2 %
Average Credit Size (Rs.)
13,482
1 USD = 60 PAK Rs.
1 PAKR = 3 HUF
USD 225
Disbursement by Sector
Credit
MicroMicro
Credit
(Total) as of Apr 2007
Agriculture
91%
Total:
4.2 Billion
Agriculture: 3,859 M
Livestock:
74 M
Enterprise:
314 M
Enterprise
7%
1 PAKR = 3 HUF
Livestock
2%
Profile of Borrowers in Agriculture Sector

Land Less

Land holder Less than 5 Acres

Land holder 5 to 12 Acres

Land more than 12 Acres
2,509 14%
TOTAL
12,447 70%
2,693 15%
187
17,836
1%
Credit Programme
Enormous demand of micro credit among small 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
Type of loan
1st loan
maximum
Rs.
2nd loan
maximum
Rs.
3rd loan
maximum
Rs.
4th loan
maximum
Rs.
5th loan
maximum
Rs.
Repayment
Agriculture
(seed,
fertilizer,
pesticides
etc.)
15,000
20,000
25,000
30,000
30,000
6 to 12
months
Enterprise
development
15,000
20,000
25,000
30,000
30,000
6 to 12
months
Livestock
development
15,000
20,000
25,000
30,000
30,000
6 to 12
months
Cumulative
saving of
borrowers
1,000
2,500
4,500
7,000
10,000
1 PAKR = 3 HUF
Year Wise Trend of Disbursement (Rs. Million)
1,400
1,115 1,156
1,200
1,000
800
600
400
208
389
200
0
477
178
76
106
219
324
1997-98 1998-99 1999-00 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07
1 PAKR = 3 HUF
Year Wise Recovery Rate % age
101
100
99
98
97
96
95
94
93
92
91
99.6
99
100
99.8
99.2
97.2
96.6
94.9
99.6
94.6
1997-98 1998-99 1999-00 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07
Micro Enterprise
Agriculture
Health Insurance
As of Apr-07
Insured Persons
Premium Collected
87,128
PAK Rs. 18,650,540
USD 310,842
Claims Submitted
425
Claims Rejected by Adam
23
Jee
Claims Approved
Amount Reimbursed
218
PAK Rs.
2,121,331
USD 35,355
NRSP Dispensaries and Medical Camps
As of Apr-07
Disease
# of Patients Treated
Men
Women
Children
Total
Asthema
176
285
143
604
Diabetis
151
296
50
497
Hypertention
178
318
63
559
Hepatitis
30
170
25
225
Anti HCV
18
136
13
167
T. B
94
156
72
322
Amenorrhoea
73
800
114
987
Allergy
371
784
430
1,585
Anaemia
269
1,122
392
1,783
Infection
183
448
261
892
Fever
269
553
438
1,260
Cough
341
627
494
1,462
Wound
55
120
96
271
Eye Diseases
117
211
169
497
-
269
-
269
81
111
101
293
2,406
6,406
2,861
1,1673
Gynae Problem
Others
TOTAL
I.T Section
As of Feb-07
Admin (Personal/Medical) MIS has been Completed
and Data entry is in progress
PITD MIS and Data entry have been Completed,
reconciliation is in progress
MIS for Cheque writing has been Completed and is
successfully in practice
HRD MIS is under development
Online Credit MIS is also under considerations
Physical Infrastructure & Technology
Development
As of Apr-07
Type of Scheme
USDA
Target
Approved/Initiate
Completed
96
96
59
PPAF Phase-V
288
288
280
NPIW
163
163
154
547
547
493
Total
Physical Infrastructure & Technology
Development (Community & Donor Share MRs.)
As of Apr-07
Type of
Scheme
Share MRs.
Community
USDA
Donor
Total
Consumer
Hhs
Consumers
9
34
43
1,412
10,904
PPAF Phase-V
43
105
148
13,090
93,644
NPIW
50
88
138
5,415
37,905
102
227
329
USD M 1.7
USD M
3.8
USD M
5.5
Total
1 PAKR = 3 HUF
19,917 142,453
Human Resource Development
As of Apr-07
# of Persons Trained
No. of
Events
Male
Female
Total
No. of COs
Covered
CMST
148
3,040
613
3,653
2,078
NRM-A
124
9,940
220
10,160
1,955
NRM-B
235
8,673
292
8,965
3,783
Technical Training
28
609
2
611
196
Vocational Training
554
1,592
635
2,227
759
Staff Training
64
475
208
683
-
Handloom Training
10
135
113
248
-
1,163
24,464
2,083
26,547
8,771
Types of Trainings
TOTAL
Agri Training
Punjab Education Sector Reforms
Programme (PESRP)
As of Apr-07
# Of Tehsils in Project
# Of Union Councils in Project
3
80
# Of Schools
400
# Of School Councils
400
School Council Members
3,817
# of Teachers
1,261
# of Student
57,631
SC Members trained in Management Skills
Funds released against *SDP (MRs.)
*School Development Plan
1,088
400
Quarterly Enrollment Trend
Punjab Education Sector Reforms Programme (PESRP)
70000
60000
50000
40000
30000
20000
57,232
48,090
49,085
49,200
29,392
30,122
30,531
30,105
18,669
19,183
2nd Qtr
May 06-Jul
06
3rd Qtr
Aug 06-Oct
06
Girls
Total
18,698
18,963
49,288
34,380
22,852
10000
0
Bench mark
1st Qtr
Dec-05
Feb 06-Apr
06
Boys
4th Qtr
Nov 06-Jan
07
Community Model Schools under
NRSP/PRSP & PPAF Project
As of Apr-07
# Of Schools
19
# Of Village Education Committee (VEC)
19
VECs’ Members
# of Teachers
# of Student
166
61
2,224
Azan Adult Literacy Movement
As of Apr-07
53
# Of Literacy Centers
Male
20
Female
33
1,533
# of Enrolled Learners
Male
606
Female
927
Education
Livestock

Every household have Livestock and has
capacity
to
increase
the
number.
Unfortunately the breed is unproductive
Livestock
The Livestock sector in Pakistan is still
in a developing phase yet its role in the
National economy and export is
remarkable. Our livestock sector lacks
behind other countries in critical areas
like animal nutrition, livestock health &
breed improvement.
Above all, lack of an effective insight in
understanding the impact of livestock
breeding on future improvement in
dairy & meat productivity is of great
concern.
Livestock
Due to lack of training facilities and trained
manpower NRSP Regional office
Bahawalpur arranged a training
programme for Artificial Insemination in
collaboration with Government Livestock
and Dairy Development department
Bahawalpur.
Livestock Census of District
Bahawalpur as per Govt. data
Buff.
Sahiwal Cow
Cow Cross Breed.
Desi/Other Cow.
Sheep.
Goat.
Camel.
354,436
5,944
10,550
400,580
320,333
540,479
10,628
NRSP’s AIMS
Supply of better quality semen.
To improve genetic potential and fertility of
Livestock.
To improve production of Livestock.
Eliminate of scrub male stock through
• Castration and fattening for human
consumption.
• Arrangement of short training course to
educate the farmers in latest farming
techniques.
• Extension of veterinary services for the
treatment of sick and wounded animals.
Artificial Insemination Trainings
No. of Trainings
7
Total Participant
105
Credit Disbursed
for AI Persons
2,232,000
# of Container
Issued to AI persons
1 PAKR = 3 HUF
USD 37,200
74
NATIONAL RURAL SUPPORT PROGRAMME, BAHAWALPUR
STATUS OF LIVESTOCK BANK (May-05 to Apr-07)
Quantity
Goats
Households
Widows
Cost (Rs.)
145
145
504,000
13
13
(45,186)
3 Goats present
132
132
458,814
4 Total No. of Kids born
116
-
-
5 Total No. of Kids died
23
-
-
6 Total Remaining Kids
93
-
279,000
31
31
-
-
163
737,814
1 Total No. of Goats distributed
2 No. of Goat died
No. of Kids hand over to other
7 widows
8 Total Beneficiaries
1 PAKR = 3 HUF
NRSP / Prime Minister’s
Livestock Initiatives Project
District
# of Doctor of
Veterinary Medicine
Bahawalpur / RYK
4
Bahawalnagar
4
Lodhran
4
Vehari
3
Total
15
Income Generation through
Breed Improvement





Training in artificial insemination
Training in LS management
Provision of quality semen
Loan to female for purchase of cows
Guidance in breed selection
Difference Between Local & Exotic Breed
Local
Exotic
Milk Production
1300 Kg/year
8000 kg/years
Milking Period
220 days
305 days
Dry Period
120 days
60 days
Birth weight
20 Kg
40Kg
Growth Rate
½ kg/day
1 ½ kg/day
Age of Maturity
2 year
1 year
Calving Interval
400-500 days
365 days
6 month old calve
price
8,000 PAK Rs.
25000 PAK Rs.
Milk & concentrate
Ratio
1kg feed for
3 lit. milk
1kg feed for
7 lit. milk
Milk Production of F1





25 Kg (crossed with a proven bull)
Sufficient tolerance to heat
Sufficient resistance to dieses
Young calves can be sold on good price
Economical on feed
Background



A large number of
families are related
with hand weaving in
Bahawalpur and
Bahawalnagar
The weavers are poor
and asset less
They have potential to
up grade their
traditional skills
NRSP’s aims:
• Enhance skill of 600 weavers (30% women).
• Set up a capacity building and training unit at the NRSP office,
Bahawalpur.
• Bring the weavers in batches for one month training course. As these
are the bottom poor (Deharidaars), also set up a cash for training
programme (Rs. 100 per day per trainee).
• Provide them travel, full lodging and partial boarding facility by NRSP.
• Train them on the product for which orders have been secured
• Give them raw materials and buy back the products after paying them
the labour
• Back stop with a Micro Credit product that enables them to buy the
modern tools (modern hand loom in this case)
• Field visits of designers would be arranged for design intervention and
placement of orders.
• In house design development with the help of design consultant.
• Develop Linkages with designers & entrepreneurs who are the endcustomers.
• Market the designs & products to various buying houses.
• Get bulk orders for the products.
• Buy raw material and process them
Ground work - NRSP






Identification of skilled weavers
Training module developed
Training tested
Construction of training facility
Samples produced
Credit line available for purchase of
improved handlooms, Market Linkages
developed
TRAINING




30 days training cycle of 600
weavers (20 % Female) on
improved version of handlooms
at NRSP training facility in
Bahawalpur
Cash for training will be
provided for thirty days
An improved version of hand
loom will be provided to each
trainee on credit
Per person production will
increase from 5-6 meter / day
to 15-20 meter/day resulting in
increase in earning from Rs.57/meter to Rs.20-25 Rs./meter
Progress Overview; NRSP / AHAN
# of Trainings Conducted
10
Total Persons Trained
248
Male
135
Female
113
# of Trainers (Male 2, Female 2)
4
Handlooms installed at Training Center
17
Power looms installed at Training Center
4
Handlooms Issued on Credit
30
Cloth Weaved at Training Center (yards)
Weaved Cloth Purchased from Community (yards)
# of Samples prepared for marketing
2,015
61
PRODUCTION & MARKETING
NRSP will:
 Purchase Raw Material
 Develop Designs/Samples
 Obtain Orders from Market
 Facilitate producers at Training
Centre and Villages
 Ensure quality control and
screening of the product
 Pay wages and share profit
with weavers
Staff by Category
As of Apr-07
Management
3
Senior Professional
3
Professional
98
Consultant
5
Support
398
Auxiliary
89
TOTAL
596
Staff by Gender
As of Apr-07
TOTAL
596
As % of Total
Male
529
89%
Female
67
11%
This Year (2005) Benefit to Small Farmer by NRSP-BWP
Agri-Credit
500
450
400
350
300
250
200
150
100
50
0
28%
8.3
364 M
364+30
=394
M
364+102
=466
M
On Cash
NRSP
Arhti
1 PAKR = 3 HUF
Cost Comparison for One Acre Cotton Cultivation
7,000
6,000
28%
5,000
6,750
6,750+561
6,750+1,874
8.3%
On Cash
NRSP
Arhti
4,000
3,000
2,000
1,000
0
1 PAKR = 3 HUF
Cost Comparison for One Acre Cotton Cultivation
1600
1400
1200
1000
800
600
400
200
0
Spray
Seed
Potash
On Cash
Fertilizer
UREA
NRSP
Arhti
Fertilizer
D.A.P.
Key Factors as per my understanding
 Organize & harness the people
 Nothing is free
 Microcredit is for the poor who has no access/capacity to
conventional banking
 Private sector is more efficient as compare to public sector
 Business Appraisal
 Continues follow-up to ensure the proper utilization of the fund
and on-time repayment
 Develop the sense of ownership through community contribution
 Capital formation through saving
 Community capacity building through trainings
(SMEs/technical/vocational) for self employment
 Develop Sustainable policy and fund for the long life development
projects
 Trainings for staff
THANKS
for your passion and
kind attention