NRSP Annual Report 2008 09

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15th Annual

Progress Report
2008-2009

Including the vulnerable

National Rural Support Programme


Islamabad, Pakistan
© Copyright NRSP 2009

Established in 1991, NRSP is the largest Rural Support Programme in the country in terms of outreach,
staff and development activities. It is a not for profit organization registered under Section 42 of
Companies Ordinance 1984. NRSP's mandate is to alleviate poverty by harnessing people's potential and
undertaking development activities in Pakistan. It has a presence in 58 Districts in four Provinces and Azad
Jammu and Kashmir through Regional and Field Offices. NRSP is currently working with more than a
million poor households organized into a network of over 88,000 Community Organizations. With
sustained incremental growth, it is emerging as Pakistan's leading engine for poverty reduction and rural
development.

Parts of this report may be reproduced for professional purposes, provided that the source is
acknowledged and the material is not sold.

Report Designed by: Mansoor Abid


Printed by: PanGraphics (Pvt.) Ltd. Islamabad

Published by National Rural Support Programme (NRSP), Islamabad, Pakistan.


Contents
Abbreviations and Acronyms ii
Message from the CEO iii
NRSP Organizational Structure iv
NRSP at a Glance in 2008-09 v
NRSP's Thematic Working Areas vi
Current NRSP's Areas of Operation viii
Programme Coverage by Offices ix
Progress Overview 1
1- Social Mobilization 3
2- Mainstreaming Gender and Development 10
3- Microfinance & Enterprise Development Programme) 13
4- Urban Poverty Alleviation Programme 18
5- Human Resource Development 20
6- Physical Infrastructure and Technology Development 28
7- Environment and Natural Resource Management 31
8- Social Sector Services 35
9- Social & Human Protection Programme 44
10- Monitoring, Evaluation & Research 48
Improving Transparency 53
Partnerships and Linkages 55
Statistical Abstract as of June 30, 2009 59
Table 1. Annual CO Formation by NRSP Regions and Districts, 2008-09 60
Table 2. Cumulative CO Formation by NRSP Regions & Districts, as of June 2009 61
Table 3. Annual (2008-09) and Cumulative CO Membership 62
Table 4. Annual (2008-09) and Cumulative CO Savings 63
Table 5. MEDP Programme-Level Disbursement 64
Table 6. Annual UPAP Credit Disbursement 2001 – 2009 65
Table 7. NRSP – IRM Staff Training Programme Participants 66
Table 8. NRSP – IRM Community Training Programme Participants 67
Table 9. Physical Infrastructure Schemes, as of June, 2009 by Direct Input (PPAF & others) 70
Table 10. Physical Infrastructure Schemes during 2008 – 09 by Direct Input (PPAF & other) 70
Table 11. Physical Infrastructure Schemes as of June 2009 by Direct Input, Linkages & Credit 70
Table 12. Physical Infrastructure Schemes during 2008 - 09by Direct Input, Linkages & Credit 71
Table 13. Region wise CPI Implementation as of June 2009 (By Direct Input) 71
Table 14: Cumulative Achievements of ENRM sector as of June, 2009 72
Table 15. PESRP Phase I Achievements, as of June, 2009 73
Table 16: Adult Literacy Movement Programme as of June, 2009 73
Table 17: Details of Activities under Balochistan Education Support Project - June 30, 2009 74
Table 18: PRIDE Project Activities as of June 30, 2009 74
Table 19: Community Schools established by NRSP, as of June, 2009 75
Table 20: Achievements under PPAF Community & Government Schools Initiative as of June 2009 75
Table 21. District wise progress of the FALAH Project as of June 2009 76
Table 22: OPD Services offered at NRSP - PAPF Community Health Centers as of June, 2009 76
Table 23: CMAM Project - Summary of Achievements as of June, 2009 76
Table 24: Progress update under Social Mobilization Component of CMP-II Project – June 30, 2009 77
Table 25: Summary of cumulative and annual achievements under SLBAP 78
Statement of Audited Accounts 79
Abbreviation & Acronyms
ADB Asian Development Bank
AJK Azad Jammu & Kashmir
BHU Basic Health Unit
BRDP Bahawalpur Rural Development Project
BVDP Barani Village Development Project
CBDRM Community Based Disaster Risk Management
CGAP Consultative Group to Assist the Poor
CLEW Community Livestock Extension Worker
CLRP Community Livelihood Reconstruction Project
CMST Community Management Skills Training
CMTP Community Management Training Programme
CNIC Computerized National Identity Card
CO Community Organization
CPI Community Physical Infrastructure
CPWB Child Protection & Welfare Bureau
CRP Community Resource Person
CTP Community Training Programme
DFID Department For International Development
DGKRDP Dera Ghazi Khan Rural Development Project
DVM Doctor of Veterinary Medicine
ENRM Environment & Natural Resource Management
ERRA Earthquake Rehabilitation and Reconstruction Authority
FATA Federally Administrated Tribal Areas
FSS Financial Self Sustainability
FY Financial Year
GAD Gender And Development
IDP Internally Displaced Person
IFAD International Fund for Agricultural Development
IGG Income Generating Grants
IRM Institute of Rural Management
KAP Knowledge, Attitude & Practice
LLIN Long Lasting Insecticide Nets
LSO Local Support Organization
MEDP Microfinance and Enterprise Development Programme
MER Monitoring Evaluation and Research
MFI Microfinance Institution
NADRA National Data Registration Authority
NARC National Agriculture Research Centre
NRMTP Natural Resource Management Training Programme
O&M Operation and Maintenance
OSS Operational Self Sustainability
PCRET Pakistan Council for Renewable Energy Technologies
PDSM Participatory Development through Social Mobilization
PESRP Punjab Education Sector Reforms Programme
PITD Physical Infrastructure and Technology Development
PMSIL Prime Minister's Special Initiative for Livestock
PPAF Pakistan Poverty Alleviation Project
PRIDE Primary Healthcare Revitalization Integration & Decentralization
PSC Poverty Score Card
RISE Revitalizing, Innovating and Strengthening Education
ROSCA Rotatory Savings and Credit Association
RSPN Rural Support Programmes Network
SCCDP Sindh Coastal Community Development Project
SDDNCF Socio-economic Development of Destitute and Neglected Children's Families
SERP Society for Elimination of Rural Poverty
SMC School Management Council
SO Social Organizer
SSTP Social Sector Training Programme
UCBPRP Union Council Based Poverty Reduction Project
UPAP Urban Poverty Alleviation Project
USAID United States Agency for International Development
VO Village Organization
VTP Vocational Training Programme
WES Water Environment and Sanitation
WUA Water Users Association

ii NRSP's 15th Annual Progress Report 2008-2009


Message from the CEO
being implemented by the RSP Consortium in which NRSP
is an active partner and is implementing several key
components of the project in District Shikarpur and
Kashmore. During 2009-10, it is expected that this
programme would be expanded to six more districts of
Sindh and also in 12 Districts of NWFP where NRSP and
SRSP may be involved in its implementation.

This year we also witnessed challenges especially in NWFP


It is my pleasure to present 15th Annual Progress Report and Balochistan. In NWFP while the microfinance
2008-09. During the year, NRSP focused on improving the operations had to be closed down, NRSP worked on a
quality and outreach of social mobilization to ensure massive scale for rehabilitation of IDP's from Swat, Buner
inclusion of the poorest and the vulnerable. Thanks to our and Malakand Districts. These initiatives were undertaken
Chairman Shoaib Sultan Khan who had earlier exposed us by NRSP on its own and in collaboration with other
to the three tiered social mobilization model (COs, VOs & national and international organizations, mainly the Rotary
LSOs) which he introduced and implemented in Andhra International / Shelter Box, PPAF/World Bank, WFP,
Pradesh, India. It led to greater understanding of how to Sungi, Behbood Association, Mission Rescue Pakistan.
foster organizations of the poor, for the poor through
community resource persons. The introduction of the We are grateful to our partners (Federal and Provincial
World Bank poverty score card supplemented our targeting Governments), and donors including ADB, DfID, IFAD,
efforts. In addition, separation of microfinance operations ILO, PPAF, USAID, WB, Oxfam and others who remain
from rest of the operations and pursuing the gender committed to working with us and to accept our
mainstreaming as a policy also facilitated our efforts to methodology of combining social mobilization with other
target the poorest and the vulnerable, especially women. interventions. We are also proud to be associated with the
RISE, PRIDE and FALAH (USAID assisted) projects, the
In order to strengthen social mobilization in areas where SLBAP (ADB/IFAD) and the SCCDP (ADB). The role of
microfinance operations were dominating, separate “social the State Bank of Pakistan for granting a license to set up
mobilization units” were set up and entrusted to focus on the NRSP MF Bank will go a long way in creating a
social mobilization. Thanks to the PPAF and the launch of specialized institutional mechanism for provision of
the PPAF/World Bank funded Social Mobilization Project financial services. The provision of technical and financial
that facilitated the strengthening of our three tiered social assistance by RSPN to improve the quality of social
mobilization approach. mobilization is also acknowledged.

The focus on the poorest and vulnerable communities led As always, the success of the Programme continues to
to establishing a new unit within NRSP namely the Social depend upon the time and resources provided by our
and Human Protection Unit. This unit is mandated to Community Activists especially the Women Community
design and implement targeted pro poor projects and Resource Persons (CRPs) who have worked tirelessly to
products. Currently the unit is implementing the expand the breadth and depth of development and poverty
Government of Punjab funded child protection project alleviation in their communities.
which addresses the problems of the most vulnerable
communities such as the families of rehabilitated street We are thankful to our BoD, in particular the Chairman Mr.
children. The Naya Qadam Project (Artificial Limbs Shoaib Sultan Khan, who continues to guide us and leads
Workshop) initiated to help the amputees of the earthquake the development process from front. Finally, the
affected areas is now providing services in the entire unprecedented efforts and commitment of all NRSP
programme area of NRSP through its camp in Sihala and a employees, men and women, who work in remote rural
fully fledged mobile workshop, which is unprecedented. areas in difficult conditions is acknowledged. It is they along
with community members, our activists, who carry the
During this year, a landmark achievement has been the vision of NRSP forward.
acceptance of the NRSP's proposed Union Council based
Poverty Reduction Programme (UCBPRP) by the provincial Dr. Rashid Bajwa
governments in Sindh and NWFP. In Sindh, the project is Chief Executive Officer

Message from the CEO iii


iv
BOARD OF DIRECTORS

Chief Executive Officer

General Manager

NRSP's 15th Annual Progress Report 2008-2009


Social & Human Human Resource Microfinance & Enterprise Physical Infrastructure & Natural Resource Social Sector Monitoring Evaluation Gender & Finance & Information
Protection Development Technology Development Management Development Administration Technology
UPAP
Development Programme Services & Research

Bahawalpur Badin D. G. Khan Mianwali Malakand Rahim Yar Khan AJ & K Rawalpindi Turbat Zone 1
RWP/ IBD
Rwalpindi Cantt
Bahawalnagar Bahawalpur Badin D. G. Khan Khushab Malakand Rahim Yar Khan Rawalakot Attock Turbat Karachi
Bahawalnagar Bahawalpur Badin D. G. Khan Quaidabad Thana Bahadurpur Rawalakot Attock Turbat Gujaranwala
Haroonabad Yazman Golarchi Tounsa Noorpur Thal Dargai Fateh Pur Abbaspur Fateh Jang Tajaban Sargodha
Fort Abbas Hasil Pur Matli Rajan Pur Noushera Swat Jamal Din Wali Hajira Hassan Abdal Dasht Sialkot
Minchinabad Ahmed Pur East Tando Bhago Rajan Pur Jauharabad Kabal Rajan Pur Kalan Bagh Jand Gwadar Jhang
Chishtian Khairpur Tamewali Hyderabad Jampur Sargodha Khawaza Khela Shehbazpur Bagh Pindi Gheb Pasni
Dahranwala Khanpur/Muzafargarh Hyderabad Rojhan Shahpur Mardan Abadpur Fwd. Kahuta Rawalpindi / ICT Lasbela Zone 2
Sahiwal Khanpur Hyderabad (U) Muhammad Pur Sahiwal Chargulli Bhundi Dheerkot Kotli Satian Gwadar
Murree Uthal
Faisalabad West
Sahiwal Liaqatpur Tando Mohd. Khan D. G. Khan Urban Kot Momin Mardan (Katlang) Rahimabad Muzaffarabad
Chichawatni Khan Bela Silanwali Hattian Rukan Pur Muzaffarabad Rawalpindi Panjgoor Faisalabad East
Mirpurkhas Faisalabad South
Pakpattan Lodhran Mianwali Takht Bai Chak 173/P Patika ICT Chitkan
Mirpkhas Mianwali Mardan Khas Hatian Bala Gojar Khan Gramkan Lahore West
Pakpattan Lodhran Kot Samaba
Digri Piplan Ath Maqam/Neelum Jhelum Gwargo
Arifwala 12 MPR Swabi Sadiqabad Lahore East
Kot Ghulam Mohd Kala Bagh Kotli Jhelum Kelkore
Toba Tek Sing Dunyapur Swabi Ahmed Pur Lamma Multan South
Kamalia Kahror Pakka Thatta Isa Khail Nawan Kalay Kot Sabzal Kotli Dina Tasp Multan North
Toba Tek Singh Vehari Thatta Bhakkar Lahor Sehensa Sohawa Awaran
Gojra Vehari Sujawal Bhakkar Charsadda Pallandri Chakwal Awaran
Matiari Burewala Mirpur Sakro Kaloor Kot Charsadda Nakyal Chakwal Geshkor
Matiari Garha More Chauhar Jamali Mankera Hero Shah Khuiratta Choa Saiden Shah Jahoo
Hala Khanewal Jati Dullewala Shab Qadar Talagang
Jhang Pind Dadan Khan
NRSP's Organizational Structure

Tando Allah Yar Jahanian Ghorabari Mardan (urban)


Nawabshah Mian Channu Kharo Chhan Mardan (Bazar) Pind Dadan Khan
Shadab Pur Khanewal Keti Bunder Takhtbhai (Bazar)
Sarkand Kabirwala Charsadda (Bazar)
Multan Tangi (Bazar)
Shujabad Nowshera (Bazar)
Jalalpur Pirwala Bat Khela (Bazar)
Larr Shab Qadar (Bazar)
Qadir Pura
NRSP at a Glance in 2008-09
Numbers
Activity
2008-2009 As of June 2009
New Community Organization formed 18,585 88,938
Women’s 11,256 26,366
Men’s 5,932 56,381
Mixed 1,397 4,720
WUAs - 1,471
CO membership 258,747 1,280,849
Women 172,349 427,059
Men 86,398 853,790
CO members’ savings (Rs million) (75.92) 1,026.04
Women (11.11) 149.94
Men (64.81) 876.09
Village Development Organization formed 616 974
Local Support Organization formed 105 146
Community Physical Infrastructure (CPI) schemes implemented 2,946 20,264
CO members’ contributions to CPIs (Rs million) 28.47 942.23
CPI Operation and Maintenance Committees formed 2,946 20,264
CO members acquired managerial skills 45,635 105,394
Women 11,833 29,401
Men 33,802 75,993
CO members acquired vocational skills 58,342 95,064
Women 52,311 72,034
Men 6,031 23,030
Households with new drinking water supply 3,569 203,930
COs implemented drainage and sewage schemes 202,752 203,930
People graduated Adult Literacy classes 4,623 21,753
Women 4,141 19,715
Men 482 2,038
Community Schools established 26 479
Women teachers 7 444
Men teachers 20 188
Children currently enrolled in Community Schools 14,198
Girls enrolled 6,746
Boys enrolled 7,452
Patients treated at NRSP-managed Health Facilities 371,878 603,286
Children 238,731 289,099
Women 56,610 164,178
Men 76,537 150,009
Traditional Birth Attendants trained 263 1,571
Community Health Workers Trained 454 1,763
Long-lasting insecticide-treated bed nets distributed 35,332 80,202
CO members covered by insurance 480,062 1,494,412
Number of loans availed by UPAP members 109,558 380,155
Amount borrowed (Rs. M) 1,418.13 4,877.32
Number of loans availed by MEDP members 439,892 2,153,240
Amount borrowed (Rs. M) 7,116.17 31,602.26
Physically Challenged persons benefited from artificial limbs 710 1,218
Women 152 228
Men 537 959

NRSP at a Glance in 2008-09 v


NRSP's Thematic Working Areas
Institutional Development and Advocacy
• Community empowerment by establishing and nurturing the grass root level Community
Organizations
• LSO & VDO formation NRSP's: 2nd generation Social Mobilization for accelerated social
mobilisation and community empowerment
• PPAF capacity building for program outreach, and NRSP-PPAF liaison for poverty elimination.
• BVDP and SLBAP– strengthening NRSP's social mobilization expertise in the specific issues of the
rain-fed areas of Punjab
• Dera Ghazi Khan Rural Development Project – building NRSP's capacity for working in poor and
remote Districts of Southern Punjab
• USAID - Shore Bank, providing institutional support to NRSP Microfinance Bank.
• IRM's Higher Studies programme to provide a highly-skilled workforce to meet the RSPs'
personnel requirements
• Field-testing the Poverty Scorecard, an innovation that will ensure inclusion of poorest households
in programme expansion.

Social Protection and Humanitarian Works


• NRSP Housing Project for former bonded labourers in District Hyderabad: C-GAP, ILO and Federal
Ministry of Labour and Manpower
• Relief and Rehabilitation Project for earthquake affected areas: NRSP and PPAF
• Post Disaster Livelihoods Reconstruction for extremely vulnerable households in AJK: NRSP and
Oxfam Novib (Netherlands)
• Prosthetic limbs for amputees in AJK: Jaipur Foot, Nayya Qaddam Trust and NRSP
• Elimination of the Worst Forms of Child Labour from the Glass Bangles Industry in District
Hyderabad - NRSP and ILO.
• Credit innovations for destitute households in Bahawalpur Region: Goat 'share-rearing'
programme for widows and Rohi Handlooms Project (GoPunjab)
• Advancing Microfinance for Post-Disaster Economic Reconstruction' project for extremely
vulnerable households: NRSP, Shore Bank International.
• Support to Poor and Vulnerable Households in Inaccessible Areas Devastated by the Earthquake'
Project: World Bank
• Building community members' capacities for seismic resistant housing reconstruction: World Bank
• Mobile MCH Service in Turbat: Government of Balochistan
• Poverty Scorecard' to identify the poorest households for future programme expansion: NRSP
• Health care provision and education: UNICEF and Munawar Memorial Hospital (Chakwal)
• Flood relief in Turbat and Sindh: NRSP, Rotary Club, Government of Balochistan

Health and Sanitation


• Preventing Malaria through social marketing of Insecticide Treated Nets
• Field Health Clinic management in AJK: UNICEF
• Community Health Workers Training Programme in AJK: UNICEF
• Community Health Centers established: PPAF
• Rehabilitation & Operation of Kario Medical Center in Badin
• Establishment of a Birthing Station
• Meeting Community needs for eye care in Chakwal: Munawwar Memorial Hospital
• Providing Health Service at Village Branches: NRSP
• Community-Led total Sanitation Project: NRSP, RSPN and NGO Integrated Rural Support Programme
• Training Traditional Birth Attendants

vi NRSP's 15th Annual Progress Report 2008-2009


Education
• School Council Capacity Building Project: Government of Punjab PESRP
• Increasing Community Participation in Education in AJK.
• Education Sector Reforms Assistance – Public Community Partnership project in Baluchistan.
• Support to Community, Non-Formal and Government Schools in Southern Punjab: PPAF
• Non-Formal education and adult literacy centers established for children in the glass bangle
industry in District Hyderabad
• Revitalizing, Innovating and Strengthening Education (RISE) in AJK: USAID
• Quality Education for All: NRSP, Jamal Din Wali Sugar Mills and PPAF.
• Community Schools established in remote areas
• Adult literacy programme – NRSP and Pakistan Educational and Research Institute.

Livelihoods
• Microfinance provision through NRSP's MEDP and UPAP.
• Vocational skill enhancement programme for employment generation: IRM and ILO-TREE project.
• The Prime Minister's Special Initiative for Livestock Project.
• Sustainable Livelihoods in Barani Areas Project: ADB and Government of Punjab.
• Rehabilitation of Women's Livelihoods in Marginal Areas: NRSP and IFAD
• Agribusiness Support Fund' Project: NRSP and ADB
• National Programme for the Improvement of Watercourse Project for improved water use
efficiency and enhanced per capita income: Government of Pakistan
• Vocational and Business Management skills training programme: NRSP and Oxfam Novib
Post-Disaster Livelihood Reconstruction Project.
• Land-based livelihoods improvement through DG Khan Rural Development project.

Enterprise Development for Poverty Alleviation


• Enterprise Development Program: World Bank
• Rohi Handlooms project, Bahawalpur: NRSP - GoPunjab project to enhance skills and ensure links
to markets
• Cash grants and business management skills: NRSP - Oxfam Novib Livelihoods Reconstruction
project in AJK.

NRSP's Thematic Working Areas vii


Current NRSP Area of Operations

Gilgit
Chitral
Ghizer NORTHERN
AREAS Skardu
Astore

Diamer
Swat

Shangla Neelum
Malakand
Mardan
Charsadda Muzaffarabad
Pershawar Swabi
Bagh
JAMMU
Nowshera
Islamabad
Poonch
Sudhnuti
& KASHMIR
Disputed Territory
NWFP Attock
Rawalpindi
Kotli
Mirpur
Chakwal Bhimber
Jhelum
FATA Mianwali

Khushab Sialkot

Sargodha Gujranwala
Dera
Ismail khan Nankana
Zhob* Bhakkar Jhang Lahore
Faisalabad

PUNJAB
Toba Tek Singh
Muzaffargarh Sahiwal
Quetta Khanewal Pakpattan
Dera ghazi khan
Multan Vehari
Bahawalnagar
Lodhran
Rajanpur
Chagai
Bahawalpur

Rahimyar khan

B A LO C H I S TA N
Sukkur
Khuzdar

Panjgur SINDH
Dadu
Awaran
Nawab shah

Turbat
Lasbela Sanghar
Matiari
Jamshoro
Gwadar Tando allayar
Mirpur khas
Hyderabad
Umarkot
Karachi Tando m. Khan

Tharparkar
Thatta Badin

NRSP Programme Districts

viii NRSP's 15th Annual Progress Report 2008-2009


Programme Coverage by Offices
No. of VBs /
Province Region/Hub District Tehsil Field Unit Settlement
offices
Rawalpindi Murree Murree 1
Kotli Sattian Kotli Sattian 1
Rawalpindi Rawalpindi 6
Gujar khan Gujar Khan 3
Kahuta Islamabad Capital 3
Islamabad Islamabad Territory 6
Attock Attock
Attock 5
Hazro
Fateh Jang Fateh Jang 5
i
l pind Jand Jand 5
w a Pindi Gheb Pindi Gheb 5
Ra Hassanabdal Hassanabdal 5
Chakwal Chakwal Chakwal 12
Talagang Talagang 13
Choa Saidan Sha Choa Saidan Sha 5
Jhelum Dina 3
Dina
Sohawa 1
Jhelum Jhelum 10
Pind Dadan Khan 8
Pind Dadan Khan
Bhalwal 3
Sargodha Sargodha Sargodha 5
Shahpur Shahpur 3
Sahiwal Sahiwal 3
Kot Momin Kot Momin 2
Silan Wali Silan Wali -
Khushab Jauharabad 9
Khushab Naushara 3
Quaidabad Quaidabad 6
Noor Pur Thal Noor Pur Thal 2
li Bhakkar Bhakkar Bhakkar 6
wa
an Darya Khan Darya Khan 5
Mi Mankera Mankera 6
Kaloor Kot Kaloor Kot 6
b
nja Jhang Jhang 5
Pu Chiniot
Jhang
1
Shorkot 1
Ahmedpur Sial 3
Mianwali Piplan Piplan 6
Isa Khel 4
Isa Khel
Kala Bagh 5
Mianwali Mianwali 9
Dera Ghazi Khan Dera Ghazi Khan Dera Ghazi Khan 4
n Taunsa Taunsa 1
ha
zi K
Rajanpur Rajanpur Rajanpur 3
a
Gh Jampur
Jampur 1
ra Muhammad Pur 1
De Rojhan Rojhan -
Rahim Yar Khan Rahim Yar Khan -
Fatehpur -
Bahadurpur -
Abadpur -
Rahim Yar Khan
Rukanpur -
Rajanpur -
n
ha Kot Smaba -
arK Bhundi -
Y P)
him PE
Sadiqabad -
Ra (S Jamaldinwali 1
Shahbazpur -
Sadiqabad Ahmedpur Lamma -
Chak 173/P -
Kot Sabzal -
Rahimabad -
Khanpur -
Khanpur
Khan Bela -

lp ur Liaquatpur Liaquatpur -

a wa Lodhran
Lodhran
Lodhran 1
h 12-MPR -
Ba Dunyapur Dunyapur -
Kahror Pakka Kahror Pakka -

Programme Coverage by Offices ix


No. of VBs /
Province Region/Hub District Tehsil Field Unit Settlement
offices
Vehari Vehari Vehari -
Burewala Burewala -
Mailsi Garha More 1
Bahawalpur Bahawalpur Bahawalpur 8
Khairpur Tamewali Khairpur Tamewali -
Hasilpur Hasilpur -
Ahmedpur East Ahmedpur East -
Yazman Yazman 3
Khanewal Jahanian Jahanian -
Mian Channu Mian Channu -
Kabir Wala Kabir Wala -
Khanewal Khanewal -
Multan Shujabad Shujabad -
r
lpu
Lar -
Multan
w a Qadir Pura -
ha
Ba Pakpattan
Jalapur Pirwala
Pakpattan
Jalapur Pirwala
Pakpattan
-
-
Arifwala Arifwala -
Bahawalnagar Haroonabad Haroonabad -
Chishtian -
Chishtian
Dahranwala -
Bahawalnagar Bahawalnagar -
Fortabass Fortabass 1
Minchinabad Minchinabad -
Sahiwal Sahiwal Sahiwal -
Chichawatni Chichawatni -
Toba Tek Singh Toba Tek Singh Toba Tek Singh -
Kamalia Kamalia -
Gojra Gojra -
Tando Allah Yar Tando Allah Yar
Chambar Tando Allah Yar -
Jhando Mari
Matiari Matiari Matiari -
Hala
-
Saeedabad Hala
Nawabshah Nawabshah Nawabshah -
Sakrand Sakrand 1
Sanghar Shadadpur Shadadpur -
Badin Badin Badin 1
Golarchi Golarchi -
Tando Bhago
Tando Bago -
Talhar
Matli -
Tando Muhammad Tando Gh. Hyder Matli
Khan Tando M. Khan Tando M Khan 1
Thatta Thatta Thatta 1
d
dh ra ba Mirpur Sakro Mirpur Sakro -
Sin de Sajawal
-
Hy Mirpur Bathoro Sajawal
Shah Bunder Chauhar Jamali -
Jati Jati -
Ghorabari Ghorabari at Gharho -
Kharo Chhan Kharo Chhan at Gharho -
Keti Bunder Keti Bunder at Gharho -
Mirpurkhas Mirpurkhas
Hussain Bux Mari Mirpurkhas -
Sindhri
Jhudo 1
Digri
Digri -
Kot Ghulam Mohd Kot Ghulam Mohammad -
Hyderabad Hyderabad (rural) Hyderabad 1
Latifabad 4
Qasimabad -
Hyderabad (U)
Hyderabad City 7
Jamshoro Kotri 2
Malakand * Dargai Dargai 8
Thana 8
Bat Khaila Bat Khaila (City Branch)
FP -
NW nd Charsadda
Charsadda 4

la ka Charsadda* Charsadda (City Branch)


Heeroshah
Ma Tangi
Tangi (City Branch)
5
Shabqadar
Shabqadar 2
Shabqadar (City Branch)

x NRSP's 15th Annual Progress Report 2008-2009


No. of VBs /
Province Region/Hub District Tehsil Field Unit Settlement
offices

Sawabi Sawabi 4
Sawabi Sawabi (City Branch)
-
Nawan Kali
Lahor Lahor 2
Mardan Mardan Khas (Women)
Mardan Khas/Chargulli 13
Mardan
nd
la ka Mardan (Katlang) 11

Ma
Mardan (City Branch)
Takht Bhai / Hattian
Takht Bhai 13
Takht Bhai (City Branch)
Swat* Matta Khawaza Khela 3
Mingora (City Branch)
Swat 6
Kabal
Peshawar Peshawar Peshawar (City Branch) 4
Nowshera Nowshera Nowshera (City Branch) 2
Poonch Rawalakot Rawalakot 9
Hajira Hajira -
Abbaspur Abbaspur -
Sudhnuti Pallandari Pallandari -
Kotli Kotli Kotli 3
Nakyal Nakyal 1
Sehnsa Sehnsa 1
ad
rab
Khuiratta Khuiratta 1
K
AJ z af fa Bagh Bagh Bagh 13
Mu
Forward Kahuta Forward Kahuta 4
Dheerkot Dheerkot -
Muzaffarabad Hatian Bala Hatian 1
Muzaffarabad Muzaffarabad 3
Patika Patika -
Neelam Athmuqam Athmuqam/Neelam -
Sharda -
Kech Turbat
Turbat -
Tump
Dasht Dasht -
Buleda Tajaban -
Gawadar Gawadar
Gwadar -
Jiwani
Pasni Pasni -

is tan t Lasbella Bela Bela -


h rba Uthal Uthal -
aloc Tu Panjgoor Chitkan -
B Panjgoor Gramkan -
Tasp -
Gwargo Gwargo 2
Kelkore/Hoshab 1
Awaran Awaran Awaran -
Geshkore -
Jahoo Jahoo -
Sub-total 9 51 156 170 358

UPAP
No. of
Province Zone District Tehsil District Office Settlement
Offices
Sindh Karachi Karachi 16
Islamabad 3
Rawalpindi/ Islamabad
13
Rawalpindi
1 Rawalpindi Cantt 16
ne
Zo Gujranwala
Sialkot
Gujranwala
Sialkot
11
10
Sargodha Sargodha 10
Jhang Jhang 10
b
u nja Nankana 2
P Faisalabad
Faisalabad East 14
Faisalabad West 16
Faisalabad South 14
2 Lahore East 16
ne Lahore
Zo
Lahore West 10
Khanewal 4
Multan North 12
Multan
12
Multan South
Muzafargarh 4
Sub Total 2 13 14 193

Grand Total 11 58 156 184 551

* Closed Temporarily

Programme Coverage by Offices xi


Progress Overview
Over the last decade NRSP's has concepts and strategies, the separation of
remained the market leader in the MF micro credit has brought significant
sector in Pakistan. In order to improve changes in the mindset of the staff as
the integration of the microfinance well as the community.
programme with rest of the programme,
the Board of NRSP and the management The major conceptual differences are as
decided in 2003 to separate the operations follows:
of micro credit programme from rest of
the operations. The separation of micro a) Enhanced role of Activists:
credit operation has been an uphill task as Previously the Social Organizers
it involved many sensitive administrative (SOs) were responsible for credit
and programmatic decisions and delivery and recovery. They always
complicated process. The main challenge avoided using the community
was to ensure the Community volunteers (Activists) because the
Organizations (COs) continue receiving SOs' performance was mainly gauged
credit and at the same time they based on credit performance
transform into real community indicators and not based on social
institutions that could provide a platform mobilization indicators (inclusion,
for harnessing people's potential. accountability, empowerment, social
capital etc). Now that there is
The separation of micro credit operations a clear segregation of duties, there is
took a lot of time and effort of the clarity regarding the role of SOs. The
management and it was only in the Chairman NRSP has always described
beginning of year 2008 that the two the role of an SO as the one who
streams of the programme shaped up in helps the community identify good
two distinct structures. The distribution Activists from amongst them. The
of duties between these two structures is SO with the support of other
as follows: professionals then polishes the
abilities of the Activists so that they
Credit Operations Core NRSP are able to lead their community
Structure Structure effectively. Now the SOs take pride in
The staff responsible The community Activists saying that they have identified so
for forming leads the social mobilization many Activists rather saying their
Community process. The Activists and recovery rate is 100%;
Organizations (COs) Social Organizers (SOs) form
for credit and new COs. They also
specializing in the transform the COs (formed by b) Inclusion: The SOs and other staff
delivery of micro credit the credit staff) into multi have time to think and focus on their
service. They are not sector organizations. This mission i.e. organizing the poor or
required to participate unit links the COs with including the poor in the COs.
in non financial many programmes including
services. the micro credit programme
Thanks to the MER section of
and encourages the COs to NRSP, which introduced the Poverty
federate at village and union Score Card (PSC) tool that helps
council levels. identify the poor in a scientific
manner. Previously the SOs would
encourage only those households to
join the COs who in their opinion
What is different now? were credit worthy. Now they
encourage those households to come
Since the beginning of year 2008, the forward who as per PSC are classified
programme has started transforming in as the Poor;
two directions (a) the administration of
the microfinance programme c) Gender: The most amazing outcome
transforming into a more formal of separating the micro credit
structure with separate cost centres and programme is a focus on including
(b) the current credit focused programme women in social organization and
transforming into real mobilization of increasing their role in their own
community. In terms of the programme

Progress Overview 01
the fact that they (the borrowers) pay
market based service charges. The
relationship at times is like that of a
donor and a recipient where
the recipient has to comply with all
the conditions imposed by the donor.
In the new setup, the SOs do not go
with a preconceived package and have
to mobilize the community first
around their own opportunities and
skills then linking them with any
other outside service. This brings the
SOs in a different relationship with
the community. Dr. Akhter Hameed
development. The SOs are fully aware Khan once said that an SO is a
that unless they organize women and teacher, a guide and a philosopher.
bring them in mainstream The SOs are now trying to raise their
development, they would not achieve own level to meet this
their goal of reducing poverty and expectation of Dr Akhter Hameed
improving the quality of life of Khan;
people. The Women Activists being
given attention are playing a catalyst g) Harnessing Peoples' Potential: As
role to organize the women; mentioned above, the SOs are no
more service providers. They are now
d) Fostering organizations of the trained to help people look around
people: The Community themselves and find opportunities.
Organizations (COs) being formed Since the start of this phase of
are truly the organizations of the transforming the credit COs to
people. The community activists take fostering community institutions, the
a lead role in spreading the social number of persons being trained in
mobilization message. As they cannot the COs has increased significantly.
make any promise for providing This has happened because the SOs
credit or any other support, the have started encouraging the CO
message is clear that if the managers to lead the development
community wants to do anything, process and for this purpose increase
they must get organized and they their skills;
must own the organizations they
form; h) Self Help and Linkages: The COs are
being sensitized to understand that
e) Federating the COs into VOs and they are the first resource for
LSOs: The specialization of themselves and then the government
functions is also helping in improving departments. These two sources are
the quality of social mobilization and the most sustainable sources if
adding value to it. Now the COs are properly tapped. This message was
federating into Village Organizations not so easy for the SOs to spread
(VOs) and the VOs into Local previously, as they had to market their
Support Organizations (LSOs) at product (i.e. credit) than encouraging
Union Council level because the the COs to look into their own
Activists are now leading the social potential and link up with other
mobilization process and their thrust agencies.
to organize the community and tap
resources can be met only by
fostering their own institutions at all
possible administrative levels;

f) Independence of COs:
Unfortunately, the micro credit
programme has not yet recognized
the borrowers as "customers" despite

02 NRSP's 15th Annual Progress Report 2008-2009


Social Mobilization
2008-09 was a year of building on the
work of last seventeen years. It was a year
of creating impact and transforming the
social mobilization process into a more
effective tool for empowering people and
recognizing the community institutions as
effective vehicles for poverty reduction
and delivery of services. Following are
the major areas where NRSP attempted
to improve the impact of social
mobilization:

a) Enhanced role of Community


Activists
b) Inclusion of Women and Poor This approach helped scale up the social
c) Transparency, Accountability and mobilization activities in the most cost
Equitable Distribution efficient way. Recognizing the success of
d) Independent Fund Management by this approach all other components of
the Communities NRSP also started engaging the CRPs for
e) Self Help and Civic responsibilities many other roles e.g. in FALAH project
f) Forging linkages for disseminating information and lessons
on birth spacing, in UNICEF project for
Thanks to Mr. Shoaib Sultan Khan for his disseminating information and lessons on
continued guidance for teaching us how health and sanitation etc. Being cognizant
to foster “institutions of the people” with of the fact that the rural elite may capture
the help of CRPs. This fast tracked the these institutions of people, NRSP
entire process of social mobilization. The sensitized the COs/VOs and LSOs on
CRPs (community activists) came up with bringing forward the poor members as
innovative approaches to not only foster the office bearers and CRPs.
the COs but also federate them into VOs
and LSOs. The formation of VOs and
LSOs provided a platform to the Inclusion
community activists to demonstrate their of the vulnerable;
leadership abilities at a higher level. As a
result, many LSOs/VOs succeeded in women and the poorest
forging linkages with a number of
government and private institutions. The learning from SERP India and the
launch of Participatory Development
Many VOs/LSOs established their own through Social Mobilization Project
offices and appointed office bearers for (World Bank/PPAF) has been
record keeping and delivery of a variety instrumental in putting in place some
of services. Some of them also operating procedures to ensure inclusion
established their own training centers. of women, poor and vulnerable in the
Many COs/VOs/LSOs started internal COs. This targeted approach along with
lending and targeted the poorest and the introduction of Poverty Score Card
women through this mechanism. These survey greatly helped in including the
organizations can rightly claim to be the women and poor people in the fold of
institutions of the people. This could COs/VOs/LSOs. The second most
have not been possible had NRSP not important strategy that helped increase
recognized the importance of community the inclusion of women and poor was the
activists as true leaders of the community. role of the CRPs who were able to
organize a large number of women. They
In order to institutionalize the role of also succeeded in keeping the new COs
Activists, NRSP encouraged the LSOs busy in a number of small activities such
and VOs to engage the activists as as skills training, preparation of National
Community Resource Persons (CRPs). Identity Cards, registration of voters,

Social Mobilization 03
manner, maintenance of records and their
open inspection. The NRSP management
led by the General Manager visited many
programme areas during the year to have
a direct feedback on how the internal
systems of COs, VOs and LSOs work.
The COs/VOs/LSOs developed various
tools and NRSP helped them in
developing records and systems to track
community savings and records for
different interventions. The NRSP staff
gave a lot of attention on sensitizing the
COs to develop a transparent system for
federating the COs into VOs and LSOs
and the election of General Body,
vaccination of animals, installation of
Executive Body and Office Bearers of the
latrines, internal lending through their
VOs and LSOs in a transparent manner.
own savings programme.
The Internal Audit of NRSP and MER
The sensitization sessions have motivated
conducted joint monitoring visits and
the VOs/LSOs to include empowering
field studies to get a feed back on the
women and poor as their core objectives.
internal management of
The Gender and Development (GAD)
COs/VOs/LSOs. The GAD and Social
unit of NRSP also conducted surveys and
Mobilization units carried out
sensitization sessions on how to increase
sensitization sessions with the Activists,
the role of women in social mobilization.
SOs and other staff to introduce tools
Many COs/VOs/LSOs, which had
and methods for inculcating a culture of
previously appointed men office bearers
transparency, accountability and equitable
are now appointing women office bearer,
allocation of resources. The
thus empowering them in decision-
COs/VOs/LSOs are now required to
making. The VOs and LSOs now very
make presentations around these
proudly report how many of their office
concepts rather than just briefing on their
bearers belong to the Poorest categories.
quantitative achievements.
It is hoped that this institutional behavior
will have very long-term impact on
Along with these approaches, NRSP also
bringing a change in the leadership
introduced the Community Investment
paradigm at the grassroots.
Fund mechanism where the selected
COs/VOs/LSOs were given a grant to
Transparency, use it as a revolving fund for running an
internal lending programme. This proved
Accountability and to be a real test for the COs/VOs/LSOs
Equitable distribution to prove that they are truly transparent
and accountable institutions and the
of resources resources they are provided are equitably
used.
As the number of COs/VOs/LSOs
increases, there become more chances for
elite capture. The fact that the community Fund Management
institutions are "institutions of the and CIF
people", emphasize on transparency and
how this can be ensured by the Financial capital plays an important role
community itself. The Community in poverty reduction. Managing finance
Management Skills Training (CMST) and enables the community to learn financial
Activists Conferences play a very effective management, accounting and general
role in sensitizing the community on the managerial skills. NRSP encouraged the
importance of transparency in terms of COs/VOs/LSOs to utilise their savings
formation of COs that include the poor, for internal lending purposes. Many COs,
giving authority to Activists, doing VOs and LSOs were imparted training to
transactions in a fair and equitable mange internal lending. Through the

04 NRSP's 15th Annual Progress Report 2008-2009


funding of RSPN and some other
donors, NRSP provided seed capital to
selected LSOs/VOs as Community
Investment Fund (CIF) to augment their
savings and to train them as the true
institutions of the people. This process
enables the COs/VOs/LSOs to prepare
their rules of business, develop products
that can help those who do not have
access to micro credit even from NRSP
and generate some additional revenue for
running the operations and above all help
the poorest through easy access to
finance. NRSP can proudly claim to have
created an environment where the donor
resource mobilization through linkages
community can use the platform of
with government agencies. During the
COs/VOs/LSOs to offer livelihood
year, the most important linkage
projects for the poorest by providing a
developed was with NADRA for CNIC
one time CIF grant rather than project
registration of CO members. Other
funding. These grants would leverage
initiatives include linkages with Social
community savings for a sustainable
Welfare department, which helped the
poverty reduction programme.
Women COs in setting up training
centres.
Self Help and
Civic responsibilities 2008-09
With a large number of COs organized
Progress Overview
without any preconceived package for
During 2008-09, 18,585 COs (60 %
credit or any other intervention, NRSP
women and 8% mixed i.e. having both
encouraged the COs to do as much as
men and women members) were formed.
they can on a self help basis. As a result,
This number is greater than the
NRSP found many innovations for
cumulative Women COs formed in the
sustaining the COs like establishing their
previous 7 years. Likewise the number of
own training centres, production centres,
mixed COs in the reporting year has been
and Village Banks from their savings.
highest ever since the establishment of
NRSP management also provided
NRSP (Figure 1). The ratio of women
additional funds as an incentive to those
and mixed COs that was 26% on 30th
COs/VOs/LSOs who demonstrated
June 2008, accelerated to 35% by the end
commitment for self-help initiatives. The
of reporting year. In other words a 9%
PDSM project inspired the NRSP teams
raise was noted in the cumulative
to inculcate a culture of understanding
numbers of women and mixed COs.
civic responsibilities among the CO
While this trend will eventually reduce the
members. This ignited a number of
initiatives such as setting up of funds by
the COs/VOs/LSOs for the destitute,
tree plantation, preparation of CNICs,
Figure 1: Comparison of the CO & WO Formation in Last 10 Years
registration of births and voters.
17,575
18,000

16,000
Forging linkages 14,000

12,000 11,256

Forging linkages between the community 10,000 8,960

and government line agencies has always 8,000 7,312

been an important element of social 6,000


5,440
5,932
3,654
mobilization. The staff training (OTW) 4,000
2,644
1,666 1,806
and the community training (CMST) plays 2,000 2,843
531
1,392
2,486
3,096
1,194 1,104 1,652
a very important role in sensitizing the - 1,074 1,130

activists/CRPs about the importance of 2000 2001 2001 2003 2004 2005 2006 2007 2008 2009
Male Female

Social Mobilization 05
represent 9,640 COs and cover 194,515
households. In addition to specific
activities, most LSOs are working on a
common agenda to:

a) Organize at least 70% households of


the UC;
b) Organize 100% poor and poorest
households;
c) Reduce poverty and improve living
standards.

The LSOs have also been instrumental to


increase the following:
differences between the number of men
a) Coverage: the cumulative household
and women COs and beneficiaries that
coverage in such UCs where LSOs
have existed since inception of NRSP, it
have been established has surprisingly
will open up equal windows opportunities
risen from 20% to 65% in a time of
for women to enter into a more dynamic
two years. This has been because of a
role for their empowerment.
cadre of local activists or CRPs who
have been trained by NRSP for
Figure 2 presents the overview of the
carrying forward the social
percent share of regions in the CO
mobilization programme at scale; and
formation during the reporting year. DG
Khan, Mianwali and Turbat regions being
b) Inclusion of poor women in the
comparatively smaller regions have
Programme: another major thrust of
contributed significantly, which is
the LSOs has been identification of
attributed to the PDSM project and
poorest households, especially
strategic shift towards three-tiered social
women headed households, and their
mobilization by engaging a cadre of
inclusion into COs, VOs and LSOs.
committed CRPs for programme
As a result the ratio of women
expansion.
members in UCs with LSOs has
reached 53% by June, 2009. This is
Progress on Three-Tier 28% more than the average women
Social Mobilization membership of entire programme as
on June 30, 2008 and 23% more as
NRSP started the establishment and on June 30, 2009. This is a
nurturing of Local Support Organizations phenomenal and real change that has
in 2005. Currently NRSP is the leading been infused into the programme.
RSP with a network of 146 LSOs across
Pakistan and holds 47% share of LSO The LSO formation witnessed the highest
formation among all RSPs. These LSOs growth in 2008-09. Well over 2/3 of the
LSOs established by NRSP were fostered
in the year 2008-09. An interesting aspect
of the LSO formation is that non-credit
regions (i.e. AJK, Turbat and, to some
Figure 2: Share of ROs in CO Formation (2008-09)
extent, Rawalpindi) have emerged to be
Turbat, 7%
'early adopters' for the replication and
Badin, 2% RWP, 16%
expansion of LSO model. The cumulative
AJK, 10% share of these three regions in LSO
Malakand, 0% formation is 85%. Figures 3 and 4,
Mianwali, 14% respectively, present the year wise trend
of LSO formation and the regions share
DG Khan, 12%
in the established LSOs.
RY Khan, 0%

The revelation of the fact that community


activists are the only sustainable and
BWP, 38%
viable option for reaching the poorest and

06 NRSP's 15th Annual Progress Report 2008-2009


at scale, has now become the cornerstone Figure 3: LSO and VDO Formation (2005-06 to 2008-09)
of the three tier social mobilization
strategy of NRSP. 700
616
600

During the reporting year, 743 CRPs were 500


contracted by LSOs which included 62%
400
women. They were trained and are now
performing different activities like 300
240

programme introduction, poverty 200

profiling by using Poverty Scorecard, CO 100


118 105

formation, delivering sessions in CMSTs 0 7


34

0
for COs. In the year 2008-09, CRPs
established 5,923 COs which included LSOs VDOs
58% women COs. This is unprecedented
in the history of NRSP and undoubtedly
has laid the foundation of a very vibrant Figure 4: Region's Share in LSO Formation (June 30, 2009)
social capital at the local level. The
community is now at the driving seat to
take the vehicle of development and reap Tturbat, 23%

the benefits. Figure 5 presents the region RWP, 33%

wise pictures of CRP-fostered COs Badin, 1%


during year 2008-09. As Dera Ghazi
Khan and Bahawalpur regions have Mianwali, 5%
formed the largest number of COs as a
foundation for the formation of VOs and
LSOs, NRSP expects that in the next Mardan, 8%

financial year, the VO and LSO formation AJK, 29%


BWP, 1%

in these regions will take pace.

Purpose Specific Figure 5: Region Wise Share of COs Formed by CRPs in 2008-09

Social Mobilization 35%

35%

28%
The work of RSPs in social mobilization 30%

has been acknowledged amongst donors 25%

and Governments and is now a corner 20%


stone of almost all community driven 13%
15%
development projects and programmes. 10%
9%

The following examples tries to explain 10%

3%
the importance of social mobilization: 5%
2%

0%

Social Mobilization AJK RWP Turbat Mardan Mianwali Badin DG Khan

for Crop Maximization


Table 1: Details of LSO activities as of June 2009
and Food Security Details of LSO Activities Total
Number of Tehsils 28
Ministry of Food and Agriculture – Districts 20
MINFA – has started a Food Security Number of LSOs Organized 146
Total Households LSOs Ucs 347,907
Project namely 'Special Programme for No. and % of organized households 194,515 (56%)
Food Security and Productivity Total Number of VDOs under LSOs 974
Enhancement of Small farmers (SPFS)' Total COs working under LSOs 9,640
Men’s 4,558
or more commonly known as Crop Women’s 3,724
Maximization Project – II (CMP-II) in Mixed 1,358
food deficient districts of Pakistan. The LSO General body members 5,517
project has been designed and being Men 3,470
Women 2,047
implemented in the backdrop of existing Community investment funds 38
food shortage in Pakistan resulting into available to LSOs (Rs. In Million)
soaring food prices. It is foreseen that No. of VRPs contracted by LSOs 743
No. of new COs formed by VRPs 7,275
until and unless some mega initiatives are

Social Mobilization 07
by MINFA.
During the reporting year, the major
focus remained on mobilizing the small
farmers into FAs and their federation into
VOs. NRSP successfully achieved the
targets vis-à-vis yearly planning. A major
breakthrough was the registration of the
VOs as Cooperatives Societies under
Cooperative Society Act 1925. NRSP was
able to get 70 VOs registered with the
Cooperative Department. It was a new
experience for NRSP that added to our
institutional capacity to understand the
mechanics of Cooperatives. Table 24 at
the Statistical Abstract end provides
taken to ensure food security and
detailed progress of the period under
productivity enhancement, the food
review.
shortage will have adverse effects on the
already vulnerable economy of the
country. Social Mobilization for
Community Based Disaster
Social Mobilization is the main pillar of
the project design. NRSP and other RSPs Risk Management (CBDRM)
are engaged to mobilize resource poor
farmers, organize them into Farmers NRSP has conceptualized CBDRM as a
Associations (FAs), cluster FAs into protective shield to narrow down the
Village Organizations (VOs), facilitate collateral damages as a result of disasters,
VOs for registration as Cooperative be it a natural catastrophe or a human-
Societies and build the capacity of FAs induced phenomenon. It aims at inducing
and VOs to function as representative immunity among the vulnerable and poor
organizations of the poor farmers with a communities against disasters by
focus on productivity enhancement, preparing them to respond quickly and
pooling of resources and market linkages effectively in such situations.
development.
NRSP, in partnership with German based
The award of this project to RSPs, and organization Diakonie and a Netherlands
even before that placing social based Oxfam Novib, has mobilized the
mobilization at the core of a public sector communities of Muzaffarabad, AJK, in
project, is again an indication of the the highest at-risk areas and organized
successful demonstration of the approach them into Disaster Management
and philosophy of RSPs whereby socially Committees (DMCs). These DMCs are
and economically marginalized actually cluster organizations at Revenue
communities are developed as a vibrant Village level with the representation of
stakeholder in development initiatives constituent COs. NRSP built capacities
rather than being treated as mere of the COs and DMCs in CBDRM and
beneficiaries. has provided them with certain
emergency response equipment for rescue
The project was commenced on July 01, operations. The DMCs have three major
2008 and shall complete by June 30, 2012. functions and accordingly three sub-
NRSP is implementing the project in 7 committees are working in a DMC. These
(out of a total of 26) districts. These sub-committees have been provided
include Mirpur Khas, Sanghar & Nawab relevant training work systematically.
Shah in Sindh; Lasbella in Balochistan; These sub-committees and their functions
Rahim Yar Khan in Punjab; and Kotli & include:
Poonch (Rawalakot) in AJK. For project
implementation, NRSP established eight 1. Emergency response and
district Social Mobilization Units (SMUs) search/rescue during and after
with the exception of Rahim Yar Khan disasters. The committee responsible
where two SMUs are established. NRSP is has been trained in the use of
working in 262 villages already identified emergency equipment to rescue the

08 NRSP's 15th Annual Progress Report 2008-2009


injured, missing and expired persons; provincial and federal governments. The
2. First Aid to ensure providing instant UCBPRP is the next step towards
and lifesaving treatment to seriously community empowerment and poverty
injured persons and transport them reduction but based on the social
to health outlets. The First Aid mobilization methodology. It suggests a
committees have been trained in First number of cost efficient and cost
Aid and emergency medical treatment effective interventions that the
tips; community institutions and their
3. Mobilizing the communities for managers/leaders can implement on a
disaster risk reduction and taking sustainable basis and thereby reduce
actions that minimize or delay the poverty and keep the people engaged in
disasters. For instance tree plantation productive activities.
on slopes, constructing earthquake
resistant structures, maintaining flood The most important outcome that NRSP
water channels to ensure smooth foresees is an enhanced role of women in
runoff of the rainwater and so on. the development of Pakistani society. A
large number of new CO members are
The social mobilization and capacity young women. This will further trigger
building under these CBDRM projects participation of youth especially the girl
focused changing the Knowledge, youth in the development of our society.
Attitude and Practices (KAP) of the The introduction of various non financial
communities for enhanced resilience interventions such as awareness raising
against disasters. NRSP used innovative about human rights, civic responsibilities,
approaches for mass level mobilization cleanliness, environment, capacity
and awareness raising about the need and building, health and education awareness
tips of disaster risk reduction and disaster and self managed microfinance
preparedness. These include simulation programme by the COs/VOs/LSOs will
exercises at village levels, TV and radio enable the COs/VOs/LSOs play their
programmes, sensitization of the print role in implementing the government
media, puppet shows at schools, policies and projects for development and
development and circulation of poverty reduction on a sustainable basis.
educational film on CBDRM. The State The COs/VOs/LSOs will soon have a
Disaster Management Authority of AJK stronger voice to participate in policy
appreciated the approach of NRSP and making through the network of RSPs.
emphasized the need of connecting
DMCs with the relevant state agencies to NRSP is also confident that the
work together to respond future community institutions and the CRPs will
emergencies. The End of Project play an important role in reducing
evaluation of NRSP-Diakonie CBDRM frustration among the Pakistani society as
project (see details under MER section) the social mobilizations process
reflects the KAP change as the result of introduced by NRSP is not agitative but
project interventions. constructive. It facilitates both the
government as well as the society in
synergizing their actions for a better
Future plans Pakistan. It is only the peoples' potential
that if harnessed, will bring prosperity
The year 2008-09 has brought NRSP to a
and peace to our society. NRSP will
turning point in terms of influencing
continue working on its belief that the
Governments, policy makers, donors and
people in Pakistan have tremendous
other development actors on the
potential to work for their betterment.
importance of social mobilization. The
This potential can be harnessed by
current NRSP approach of mobilizing
organizing them through their own
the community especially the women
leaders.
through their own institutions and their
own leaders has brought a high level of
confidence at all levels in NRSP. This
confidence is manifested in the Union
Council based Poverty Reduction
Programme that NRSP has offered to the

Social Mobilization 09
Mainstreaming Gender and Development
• Policy Review of the Programme and
technical inputs to accommodate
emerging needs
• Sensitisation of NRSP employees,
community activists and the
members of the COs/VOs/LSOs on
gender and development especially
the role of women in the
development of society;
• Review of Project Documents and
Programme Products with a gender
lense to ensure that they are sensitive
to the needs of women;
• Analytical review of ongoing projects
NRSP recognises that women focused and operational procedures to
projects alone cannot bring any significant improve targeting of the vulnerable
change in terms of women and women;
empowerment. Rather, the change can • Representing the Programme at
occur only if all policies, procedures and policy level dialogues;
systems are sensitive to the needs of • Facilitating the impact assessment of
women and disadvantaged communities Programme and Projects to gauge the
along with the needs of men. NRSP's benefits in terms of social and
Gender programme aims at empowering economical betterment of women;
women and recognising their equal role in • Capacity building in the form of
the development of the society. This identification and grooming of
Gender Mainstreaming Policy has the women professionals as future
following features: leaders and managers; and
• Capacity building in the form of
a) Removing inequalities in all sectors identifying and men gender trainers
of development to ensure women's from NRSP for having NRSP's own
equal access to all development gender experts for future training
benefits and services – creating programmes.
equal opportunities for women and
disadvantaged communities, Policy Input
building their capacities to access
services; in Programme Activities
b) Ensuring effective women
participation by involving women in Policy Review
decision making processes;
c) Enhancing effective and meaningful The GAD Unit organized a programme
participation of women in their own level meeting in which all tiers of NRSP
institutions i.e. COs, VOs and LSOs; management team participated, reviewed
d) Advocating and lobbying to safeguard the Gender Mainstreaming Policy and
and protect women's rights, made recommendations to put the policy
especially the protection and welfare in action. With the technical input of
of women headed households; and Oxfam Novib, NRSP's GAD unit
e) Creating an environment in which conducted a Gender Audit of NRSP and
both men and women work in a participatory gender review with the
harmony for the welfare of the entire technical assistance of Aga Khan
society. University. These two reviews helped
identify the areas that required
Snapshot of 2008-09 improvement. The findings of this
analysis are documented and available in a
report “NRSP Gender Mainstreaming in
The following activities were undertaken
Practice”.
during the year:

10 NRSP's 15th Annual Progress Report 2008-2009


Policy decision to in the implementation of NRSP policies.
The GAD Section also organized
target Women workshops for the senior managers in
which international experts and
The internal review revealed that the consultants participated as Resource
NRSP field staff had mental barriers and Persons.
women participation would not increase
in certain geographical areas unless clear The main theme of the workshops was to
targets were set. Consequently, the NRSP sensitize the senior managers on concepts
management decided to form only regarding Gender and Social Justice. The
women organizations as a target in the Gender head also conducted gender
eight districts funded by PPAF under the sensitisation for the newly inducted staff.
Participatory Development through Social Altogether 545 NRSP Staff and some
Mobilization Project. This decision government officials participated in these
greatly helped in forming a large number workshops.
of women Community Organizations.
The GAD also initiated the gender
The platform of a large number of sensitization training for the leaders of
women COs has opened various venues the LSOs and office bearers. One such
for women to show their potential. In event was organized in AJK where 60
these districts the federations of COs i.e. executive and general body members of 4
VOs and LSOs have women managers LSOs were given orientation as how they
and leaders and they manage all the affairs can make the environment and operations
on their own. of their newly established institutions
gender responsive Through these
NRSP funded Interventions trainings, the LSOs were facilitated to
for women inclusion develop gender sensitization plans for
their Union Councils. This is an area
The gender audit identified the need for where gender section would focus in the
the design and implementation of some coming years so that the rapidly
women focused interventions. For this expanding network of LSOs can serve
purpose, the General Manager, hundreds of thousands of vulnerable
Programme Manager GAD and other women through their gender sensitive
sector managers carried out a needs approaches and specially designed
assessment and designed such products interventions.
that could trigger meaningful
participation of women in developmental Consequent upon sensitisation of staff in
activities. gender and the targeting for women CO
formation, the performance in all sectors
The menu of women focused witnessed a significant change for
interventions include women literacy, example the number of Women COs and
entrepreneurship, improvement in the women participants in the Community
mother and child health, and Management Training (CMT) increased
implementation of small-scale CPIs that significantly.
directly benefit the women and girls. For
the implementation of this Action Plan,
NRSP approved an annual budget of Rs. Figure 6: Yearly comparison of women participation in CTP in last 5 years
50 million from its core funds. (2004-05 - 2008-09)

60% 56%

Capacity Building 50%

Gender section continued the 40%


35%

implementation of the capacity building 30% 27%


30%
27%
of all tiers of NRSP staff from the
highest management positions to the 20%

lowest. The focus however was on the 10%


Regional and District Managers who are
operational heads and very instrumental 0%
2004-05 2005-06 2006-07 2007-08 2008-09

Mainstreaming Gender and Development 11


Input in Projects
Gender Analysis of Union Council Based Poverty Reduction
Plan - UC Kamar Mashani (Mianwali) The GAD unit analysed and reviewed the
projects namely the Crop Maximization
In order to make sure that the Union Council Based Poverty Reduction Plan Project, Social Mobilization Project,
Project is gender sensitive, the GAD section decided to participate in the SDDNCF, and PMSIL from a gender
implementation of a pilot in Union Council Kamar Mashani of Mianwali perspective, and made recommendations
District. NRSP is implementing it with the financial support of the Rural Support for improvement. As the NRSP policy
Programme Network (RSPN). requires that all projects be gender
sensitive, the GAD section also reviewed
The purpose of GAD intervention was to analyse each intervention and process in all the new project proposals. As a follow
the pilot UCBPRP from gender perspective and align them to meet the requirements up of the GAD recommendation, the
in terms of empowering women in decision making through this project. Based on Project Manager PMSIL decided to
this review, following conditions have been made an integral part of the pilot include women a target for the training of
UCBPRP: women as CLEWs, which was not
originally envisaged in the project. The
a) Ensuring 100% membership of poor households in the WCOs; Badin region took lead and trained 40
women as CLEWs.
b) 60% participation of women in the executive and general bodies of LSOs;
c) Ensuring 100% women members of the poor households have CNIC; Trend Analysis
d) Engaging women enumerators for the Poverty Scorecard exercise and inclusion
of a gender profile of the household in the PSC format; The GAD section initiated a trend
analysis of women inclusion in various
e) Formation of 50% Women COs in the Union Council; programme interventions. The findings
f) Changing the CMST training module for a uniform message about gender of the exercise identified gaps, both in the
mainstreaming; sectors and at regional levels. This is a
regular activity where MER section also
g) Ensuring that 50% beneficiaries of the microfinance are women; provides assistance in compiling and
h) Encouraging women to participate in non conventional training such as analysing the data.
electrician, mobile repairing in addition to the conventional training e.g.
tailoring etc.; Conclusion and
i) 100% women in O&M committees of CPIs; the Way Forward
j) Loans from CIF to be provided through only Women COs;
NRSP believes that the last two years
k) Ensuring that LSOs and VOs involve trained poor women in the social have brought tremendous attitudinal
appraisal of loans and further identification of poor households; and changes in the mindset of NRSP
l) Ensuring 50% of the participants of activists' workshops are women. employees and the communities in terms
of gender sensitisation. These changes are
reflected in the performance of all sectors
The GAD section is participating in the implementation of this pilot initiative and especially in social mobilization and
is documenting the progress as action research. training. In almost all the sectors women
participation has shown considerable
improvement in the review year.
A large number of NRSP employees and
community activists have received gender
training and have prepared gender action
plans for increasing effective women
participation in all spheres of community
development. The presence of LSOs with
women leaders and a large number of
newly formed women COs has set the
stage for empowering women to take
decisions and thereby providing playing
field to them to unleash their potentials.
NRSP commits to ensure this happens in
the years to come.

12 NRSP's 15th Annual Progress Report 2008-2009


Micofinance and Enterprise
Development Programme
Overview of
NRSP Microfinance
Programme
The Microfinance and Enterprise
Development Programme (MEDP) offers
three types of financial services including
credit, savings, and micro health insurance
respectively. During the year NRSP had to
reduce its micro credit operations. This
was due to liquidity constraints which led
to a loss of 165,000 clients, This
reduction posed many challenges like savings. We hope that this new product
exclusion of clients, reduced financial will enhance the capacity of the Women
sustainability and staff reduction. NRSP COs and eventually mainstream them into
looked at this challenge as an opportunity the MEDP.
to consolidate and maintain its status as
the country's prime microfinance During the year NRSP also refined the
programme. Another challenge faced Insurance product to make it more
during the year was the closure of the customer-friendly in terms of increasing
microfinance programme in NWFP efficiency in claims reimbursement and
region. reducing the premium cost for the clients
and increasing its cover to the family
It is a known fact that Micro Credit only members of the credit clients.
works well for the “productive poor” and
that the bottom poor or the poorest of
the poor remain excluded. NRSP Synopsis of performance
addressed this issue by introducing the during 2008-09
Community Investment Fund (CIF). CIF
is a seed capital which is left at the NRSP disbursed Rs.8.5 billion in the year
disposal of the COs/VOs/LSOs to start 2008-09 through 549,450 loans (218,891
a village banking model. This enables the being women borrowers). As of June 30,
community to design and implement pro 2009, NRSP's total disbursement was
poor micro credit products and teach Rs.36.479 billion through 2,533,395 loans.
financial literacy to the clients. The CIF is The percentage of women loans was over
further expanded by pooling the
community's own savings. Since is run by
the people, they find no difficulty in
targeting the poorest of the poor and
offer this financial product. The risks of Figure 7
failure of businesses are also mitigated by
the community itself. C. Largest Providers of Microcredit (Active Borrowers)
Active Borrowers Market Share
MFP (30 June) (% of Active Borrowers)
1 NRSP 429,642 24.1
In terms of targeting women, a new 2 KB 372,171 20.9
community savings product was 3 KASHF 288,609 16.2
4 FMFBL 219,820 12.3
introduced especially for those women 5 PRSP 81,754 4.6
COs who are not part of the mainstream C. Largest Providers of Micro-Savings (Active Savers)
Active Borrowers Market Share
MF programme. This savings product is a MFP (30 June) (% of Active Borrowers)
ROSCA in which NRSP also participates 1 NRSP 1,115,118 51.8
2 PRSP 328,205 15.2
as a ROSCA member but gives back its 3 TRDP 261,512 12.1
ROSCA share into the Women CO 4 FMFBL 173,895 8.1
5 TMFB 97,002 4.5

Microfinance and Enterprise Development Programme 13


This has been a sort of an irreversible
loss for NRSP; both in terms of draining
out about 1/3 of its clientele and
additional income that could have
provided NRSP a chance of further
penetration to reach to those who are 'un-
bankable'.

Despite all the problems, NRSP


maintained its status as the leading
microfinance provider having a 24.1%
share in active borrowers and 51.8% share
in active savers.

33.8%. The share of UPAP in terms of Staff Productivity


total amount disbursed and number of
loans was 13% & 15%, respectively. For the sustainability of a rapidly
expanding microfinance programme,
NRSP has ensured that its management
Micro Credit structure and operating system follow
Portfolio Analysis some basic principles: a) operational
transparency, b) lower transactions cost
As given in Figure 8, 55.9% of the total and c) maintaining appropriate staff
disbursement was for agricultural productivity. These principles are built-in
purposes followed by 30.3% for the loan disbursement methodology,
enterprise development, 13.6% for product and training of the microfinance
livestock rearing and 0.3% for small staff. Another fundamental factor has
infrastructure as individual enterprises been the specialization of the
(SIIE). Table 5 in the Statistical Abstract microfinance programme and keeping its
gives other details in of annual and management separate from other
programme level disbursement. Figure 9 operations.
explains the share of each credit product
in the total disbursement. NRSP achieves the required staff
productivity targets by advance level
The liquidity crunch leading to non- financial management trainings, rewarding
flexible funding sources had retrogressive loan officers on best performances and
impacts and the disbursement of NRSP putting in place effective and efficient
declined from Rs.12.002 billion in 2007- systems of monitoring. As of June 2009,
08 to Rs.8.534 billion in 2008-09. This the overall staff productivity was 162,
resulted into a contraction of about 41% which is ever highest since the inception
in the volume of NRSP's micro credit of NRSP microfinance programme. This
and over 165,000 active clients either left year the highest staff productivity was
the programme or remained un-served. 199 at Rawalpindi region.

Figure 8: Disbursement trends (as of June 09 & during 2008-09) Figure 9: Yearly disbursement growth (2004-05 - 2008-09)

56% 58%
60%
80% 66%

50%
60%
42%

40% 33%
30% 32% 40%

30% 10%
20%

20% 14% 0%
10%
2004-05 2005-06 2006-07 2007-08 2008-09
10% -20%
0% 0%

0% -40% -41%

As of June 09 2008-09 -60%

14 NRSP's 15th Annual Progress Report 2008-2009


Portfolio at Risk
Despite the fact that many MFIs in
Pakistan faced recovery crisis during the
year, NRSP maintained its operational
PAR at less than 1%. However, due to
security threats in NWFP where NRSP
had to stop its micro finance operations,
the overall programme level PAR as of
June 30 was 2.2%. It is worth mentioning
that as of June 30 2008, the PAR of
NRSP in NWFP was Zero with a
portfolio of Rs. 868 million and 74,130
active borrowers. flexible and more clients friendly. At the
time of inception of the scheme, the total
Financial Sustainability premium was Rs.250 per person per
annum while now it is Rs.100 per annum
As a leading Microfinance Programme for two persons i.e. client and his/her
(MFP) NRSP attempts to achieve spouse.
financial self-sufficiency by increasing
outreach for achieving higher gross The policy provides health cover to all
margin and reducing operating costs NRSP credit clients between the age of
through sound financial management 18 -65 along with their spouses. The
practices and keeping a low key profile. benefits include Rs.15,000 for accidental
death or permanent disability, Rs.15,000
Despite severe liquidity crises in 2008-09 for funeral cost and payment of unpaid
coupled with downfall in NWFP's balance of credit in case of natural death.
portfolio, NRSP managed to achieve In addition, the current scheme also
103% operational and 90% financial self- covers the transportation cost of the
sufficiency. clients.

Micro Health Insurance Currently NRSP is working out some


modifications in the scheme to provide
Programme the insurance cover to all members
including children under the age of 18 of
Launched in year 2005 and linked with a nucleus family in the above-mentioned
the Adamjee Insurance Company, NRSP's scheme with the same premium of
micro health insurance has become the Rs.100.
largest programme of its type in the
private sector. NRSP has consistently NRSP is focusing on increasing awareness
lobbied with Adamjee Insurance and capacity of the clients to utilize the
Company to make the product more facility. Where the acceptance of the

Figure 10: Growth of the policy holders of NRSP Micro Health Insurance Table 2: Yearly and cumulative progress of NRSP Health Insurance Programme

1,800,000
Activities During 2008-09 As of June 30, 2009
1,579,671
1,600,000
No. of persons insured 267,191 946,064
1,400,000 Total number of insurance cases (including 565,322 1,579,671
repeat clients and spouse)
1,200,000 Men 370,427 1,156,269

962,331
Women 194,895 423,402
1,000,000
Premium collected (Rs.) 47,378,020 185,660,360
800,000 Claims received by NRSP 3,467 6,577
600,000 Claims sent to Adamjee 1,862 4,810
473,147
Claims in process at Adamjee - 1,255
400,000
Claims rejected by Adamjee 33 512
175,201
200,000 Claims approved by Adamjee and reimbursed 2,500 4,810
- Amount reimbursed to policy holders 25,205,634 49,370,832
Dec. 06 Dec. 07 Dec. 08 June. 09

Microfinance and Enterprise Development Programme 15


their loans during hard times and they
utilize these savings as a matching fund
when NRSP cannot offer them sufficient
amount of credit.

The scaling back of the NRSP credit


component in year 2008-09 due to
financial crises also adversely affected the
saving accumulation that dropped by 7%.
However, the withdrawals from the
accumulated savings helped many micro
credit clients to meet their financial needs
partially from these savings. Table 4 in the
Statistical Abstract provides additional
details on the saving status as of June
product has grown exponentially during
2009.
the last four years, the number of claims
and amounts reimbursed to the claim
holders has also increased manifolds. NRSP Microfinance Bank
Figure 11 presents this change. The
figures show that the loss ratio has started During the year, the State Bank of
increasing which means more and more Pakistan issued an NOC for setting up
clients are benefitting from the scheme, the NRSP Micro Finance Bank in August
which now the clients understand better 2008. The Securities and Exchange
than before. Commission of Pakistan (SECP)
registered the Bank as a Microfinance
NRSP is striving to convince the Banking Company in October 2008.
government to offer this product with Finally, NRSP received the Banking
certain modifications as a social security License from the State Bank in February,
scheme to the poorest people. The Sindh 2009.
government has accepted this proposal
and is supporting the poorest through the NRSP is operationally prepared to launch
proposed scheme as a social security the operations of the NRSP Microfinance
programme in two selected districts. Bank. However, this launching will take
more time than was anticipated originally
Saving Mobilization because of the negotiations that are still
undergoing with the potential investors.
Saving mobilization is one of the integral NRSP has decided to maintain 52%
component and foundation stone of the shares in the Bank's equity. The delay may
philosophy of NRSP. These savings work cause frustration for the field employees
as a risk management fund to meet of the Bank who are fully prepared to
unforeseen expenditures such as sudden take on new challenges. However, at the
illness, loss of job or natural disasters. same time it has enabled NRSP to be
NRSP clients also use the savings to repay more prepared in terms formalizing its
practices into documented Standard
Operating Procedures (SOPs) for all the
operations and products. The current
Figure 11: Loss ratio of NRSP micro health insurance programme liquidity crisis have led to further thinking
50% 45%
48%
on the portfolio financing options and the
45%
Bank will have to do more aggressive
40% marketing for raising deposits than were
35% originally estimated.
26%
30%
22%
25%
The ultimate objective of the Bank will be
20%
to continue providing diversified financial
15%

10%
services to the members of the
5%
Community Organizations. Once
0% launched, the Bank will be a major stake
Dec. 06 (Premium Rs.250) Dec. 07 (Premium Rs.200)
(Premium Rs.100: member (Premium Rs.100: Member
+ Spouse) + Spouse)
holder amongst all MF Banks in Pakistan.

16 NRSP's 15th Annual Progress Report 2008-2009


Future plans
As the transformation of NRSP
microfinance programme into a licensed
Microfinance Bank continues, NRSP
hopes to overcome the liquidity problems
through the bank on a sustainable basis
by tapping the savings funds and bringing
in investors equity. The NRSP
Microfinance Bank may offer many other
services such as remittances, which will
strengthen the microfinance programme
and will increase the client base. The
Bank is also preparing to introduce IT
based products and/or link the existing
products with IT facilities to increase
efficiency and reduce costs.

As mentioned above, NRSP has recently


introduced a new microfinance product
for the poorest, which will be run and
managed by the community institutions.
This specialization of functions i.e. the
commercialization of NRSP's own micro
credit programme for the productive poor
and community based village banking for
the poorest will help improve the quality
of financial services for the target
population. NRSP hopes to continue
playing a lead role for all segments of
microfinance clients.

Microfinance and Enterprise Development Programme 17


Urban Poverty
Alleviation Programme
Following a year of unprecedented expansion
during FY 2007-08, UPAP's disbursement in
FY 2008-09 declined by 12% due to liquidity
crisis prevalent in the country (Figure 12).

In order to maintain its client base, UPAP


decided to reduce the loan size systematically
rather than reducing the number of clients.
This strategy helped UPAP to maintain its
active loans over 100,000. On June 30, 2009
the number of UPAP clients was 108,215 as
compared to 104,623 on 30 June 2008.
However UPAP's outstanding loan portfolio
reduced from Rs.917,416,820 on 30 June 2008
to Rs. 745,129,988 on 30 June 2009.
Poverty in urban and peri-urban areas of
Pakistan is more severe as compared to rural
areas due to weak social safety nets, extremely
Transparency
poor living conditions and inconsistent and
weak income sources. Responding to this felt Since its inception UPAP is known for its
Late Dr. Akhter need, NRSP, established an Urban Poverty transparent operations and reporting. UPAP's
Hammed Khan, a Alleviation Programme (UPAP) in 1996. quarterly progress reports and MIS generated
monthly and daily reports give a complete
legendry rural Initiated as a pilot initiative, UPAP has
account of its entire operation.
development icon, transformed into a leading urban
microfinance programme. The Pakistan
termed UPAP as a Microfinance Network rates UPAP as the fifth It is the first MFI of the country rated by
different, creative, largest microfinance programme of Pakistan. MCRIL with the funding of CGAP. UPAP
viable and UPAP is currently operating in 14 Districts maintains separate accounts and gets its
accounts separately audited by the M/s A.F.
sustainable model through one-room settlement offices covering
Ferguson – a member firm of Price Water
of its own type. the major cities namely Rawalpindi,
Islamabad, Faisalabad, Karachi, Multan, House Coopers – every year in accordance
Muzaffargarh, Khanewal, Lahore, Gujranwala, with the financial disclosure guidelines of
Sialkot, Sargodha and Jhang. CGAP for microfinance institutions.

UPAP exclusively focusses the low-income Progress


households and its clients are economically
marginalised women who do not have access for Year 2008-09
to mainstream micro credit market. Since
inception UPAP has disbursed Outreach and Disbursement
Rs.4,877,339,069 through 380,156 loans.
These loans were given to 380,067 women
During the review year, UPAP continued
and 89 men.
expanding its outreach and established 13 new
settlement offices taking the cumulative
number to 193 from 179. During the FY
Figure 12: Disbursement of UPAP since inception 2008-09 UPAP disbursed Rs.1,418,147,000
through 109,558 loans in 2008-09 compared
1,700.0 1,614.6 to Rs.1,614,583,500 disbursed through
1,500.0 1,418.1 111,156 loans in 2007-08. This 12% fall off
1,300.0 resulted due to the countrywide liquidity crisis.
1,100.0
Table 6 in the Statistical Abstract provides the
Disbursement (Rs. M)

900.0
full details of UPAP's disbursement since its
772.8
inception.
700.0

500.0 422.2

300.0
281.0 Productivity
162.7
60.1 93.7
100.0 26.1 26.1
As UPAP managed to retain its clients despite
(100.0)
a 12% decline in the amount disbursed during

18 NRSP's 15th Annual Progress Report 2008-2009


the review year, it maintained the staff 1st July 2008 comprising three products, as
productivity as well that stood at 96 elaborated below:
borrowers per staff member on 30 June 2009.
This is likely to improve further. a) Credit Life: In case of client's death,
UPAP pays an amount equal to the
Efficiency outstanding loan balance with interest to
the deceased family. The premium is
0.3% of the loan amount disbursed.
Reduction in portfolio by 20% during the
b) Additional Benefits: In case of client's
review year negatively affected UPAP's
death, an amount equivalent to 50% of
Operating Expense Ratio (OER), which
the loan amount disbursed is paid to the
increased to 19.8% in FY 2008-09 from
deceased family members to cover the
16.9% in 2007-08. This is likely to come down
funeral expenditures. The premium is
in the next financial year with the expected
0.3% of the loan amount disbursed.
increase in UPAP's disbursement and
c) Additional Lives: In case of death of any
portfolio.
member of the insured client, an amount
equivalent to 50% of the loan disbursed
Financial Sustainability is paid to the client to cover the funeral
expenditures. The premium is 0.3% of
UPAP's decision to reduce its outstanding the loan amount disbursed.
loan to respond to the liquidy crisis affected
its profitability. Consequently, its OSS and The beneficiaries were 109,558 borrowers and
FSS came down from 126% and 110% during their spouses. During this period UPAP
FY 2007-08 to 110% and 92% during 2008- received Rs.6,625,257 as premium. Of the
09, respectively. UPAP's phenomenal realized income, UPAP paid Rs.5,036,268
achievement of achieving financial against insurance claims (Rs.1,978,768, Rs.
sustainability vis-à-vis many other 1,394,500 and Rs.1,663,000 respectively for
contemporary microfinance programmes in credit life, additional benefits and additional
Pakistan underscores its commitment to life) to 445 clients. The loss ratio stood at
maintain the sustainability of the 76%. The micro insurance product is
microfinance programme. Despite a reduction mandatory for all credit clients of UPAP.
in the profit margin, UPAP earned an
operational surplus of over Rs. 41.4 Million
resulting into a net 9% increase in its equity. Future Challenges
The UPAP equity was Rs. 281.6 Million as on
June 30, 2009, which is 33.15% of its total Expansion
assets (Rs.849.4 million). This strong financial
position will greatly help UPAP to attract UPAP has all the institutional capacities with
investors to keep UPAP's growth at pace with sound management systems to expand the
the expanding credit needs of the urban poor operations exponentially and reach hundreds
communities. of thousands of poor and poorest urban
communities. However, in the backdrop of
Loan Utilisation financial crises, UPAP faces severe constraints
of accessing ample debt capital to reach its
UPAP requires collection of essential targets of about 200,000 active borrowers by
analytical data for each loan. This data the year 2011. Accessing vibrant and flexible
collection and the loan appraisals enable funding sources will enable UPAP to work to
UPAP to determine the utilisation of loans its full potential.
for different income generating activities.
After disbursement, UPAP also monitors the
loan utilisation through its own monitoring
system. Figure 13: Monthly per capita income of UPAP clients (as of June 30, 2009)

The information collected during the


appraisal process is entered in the MIS and is 2501 -Above, 10.5% Up to 500, 1.2%

analysed. Figure 13 gives an analysis of the 2001 -2500, 8.9%


501-1000, 22.1%

loans disbursed by the type of


enterprise/income generating activity.

Micro Insurance
1501 -2000, 22.2%

Realizing the paramount significance of the


need of social protection for its poor clients, 1001 -1500, 35.1%

UPAP initiated a micro insurance scheme on

Urban Poverty Alleviation Programme 19


Human Resource Development
and autonomous institution in 1993. IRM
combines a flexible organizational
structure with integrated managerial
control and provides technical support to
NRSP and other partner organizations.

Over the years, NRSP-IRM has


broadened its canvas and scope through
demonstration of design and delivery of
a large number of training programmes
within and outside Pakistan. The services
of NRSP-IRM have been widely
acknowledged nationally and
internationally. In 2001, the United
Nation's Economic and Social
Need of Human Commission for Asia and Pacific (UN
Resources Development ESCAP) declared NRSP-IRM as the
"Center of Excellence" based on its
systems and services in the field of rural
NRSP is cognizant of the fact that the
development.
world is changing rapidly and both men
and women need to be prepared to rise to
The certification of NRSP-IRM under
meet the challenges and tap opportunities.
BSEN ISO 9001-2008 is a reflection of
Human Resources Development is
the sound systems and processes that It
therefore centre to the integrated rural
has developed and used. The services of
development approach of NRSP. The
NRSP-IRM are not restricted to NRSP
NRSP-Institute of Rural Management
only as it serves as the training wing of all
(NRSP-IRM) is responsible to run the
the Rural Support Programmes (RSPs) in
HRD programme. It aims at:
Pakistan. The outreach of the Institute
extends directly to almost 76 Districts (in
a) Enabling the poor communities to
the four provinces as well as Azad Jammu
acquire knowledge, learn new
and Kashmir) representing the presence
methods, new techniques and ways to
of NRSP and the network of Rural
utilize their latent potentials;
Support Programmes.
b) Enabling the poor to enhance their
skills to improve productivity of
In order to meet current requirements,
natural resources, develop enterprises
NRSP-IRM underwent some structural
and business opportunities and/or be
re-adjustments during the year under
engaged for gainful employment;
review. This reorganisation culminated
c) Enhancing the skills and capabilities
into the formation of following units
of the poor to proactively participate
within NRSP-IRM:
in their socioeconomic well being;
and
• Livelihoods: maintains the broadest
d) Preparing community activists and
spectrum of community and staff
development professionals for
training operations. NRMTP, VTP
empowering the community through
and EDP are core areas of
a development process.
Livelihoods. The livelihood section is
also responsible for social sector
NRSP's Institute training i.e. SSSTP.
of Rural Management • Social Mobilization Training
Programme: This section prepares
NRSP-IRM is one of Pakistan's foremost the Social Organizers and
training institutes in the non-profit sector. Community Activists/Managers in
Although an integral part of NRSP, it various managerial skills that are
began its operations as a self-managed required for effective mobilisation.

20 NRSP's 15th Annual Progress Report 2008-2009


The portfolio includes ITP, STP,
CMTP and MFTP. The PPAF
supported Participatory
Development through Social
Mobilisation (PDSM) was major
project in the reporting year.

• Management Development
Programme aims to increase the
efficiency and effectiveness of
organizations in the field of
development and to train a cadre of
development professionals with a
high degree of expertise in a variety
of sectors. This is done by
nature of livelihood component, this
strengthening human resources at
is being separately managed in order
every level within the organization.
to achieve huge project targets
MDP's Women Leadership
efficiently.
Programme is an effort in this
direction, with the aim to augment
and capacitate RSPs senior and mid Training Programmes
level women managers. Women and Courses
Leadership Programme (WLP) is
affiliated with Iqra University. MDP The training portfolio of NRSP-IRM is
also offers Professional Career broadly divided into two-subdivisions i.e.
Counseling. Community Training Programme (CTP)
and Staff Training Programme (STP).
• Academics: Setting standards for Under CTP, NRSP-IRM currently offers
excellence and discovering new over 300 different tailor-made training
horizons has led IRM to expand its courses to respond to a diverse need of
scale of intervention by entering into the communities in almost every aspect
the fields of Academics. In 2003 of rural life. The 'training menu' of
NRSP-IRM spread out from skill NRSP-IRM has never been static. Being a
enhancement to Academics. IRM learning and flexible organization, NRSP-
began with Executive Diploma in IRM ensures that new and innovative
English Language Proficiency, which training courses are offered either by
was designed for professionals for designing new portfolio or by adding
enhancement of interpersonal value to the existing courses. However all
communication skills and for training courses are aligned with the
furtherance of their professional market and community needs. NRSP-
prospects. This section looks after IRM has designed special training courses
the FATA-CBP (Federally for persons with disabilities to
Administered Tribal Area - Capacity mainstream them into normal life. While
Building Project), Post Graduate maintaining a vibrant and dynamic
Diplomas (in collaboration with training portfolio, for both staff and
IQRA University) and MS leading to community, NRSP-IRM ensures to
Ph.D in Rural Development (in maintain a balance between training on
collaboration with IIUI). RSPs' standard social mobilisaton
approach and new technical skills and
• Union Council Based Poverty capacities.
Reduction Project: This section is
responsible for imparting managerial,
vocational and technical skills under Snapshot of 2008-09
the UCBPRP. The unit is currently
responsible for imparting training for NRSP-IRM's Community Training
participants from Sindh province but Programme (CTP) grew significantly by
is expected to extend its outreach 42% in year 2008-09 and 124,186
from the expected funding. Though community members (54,757 men and
the training being imparted is in the 69,429 women) were trained in 92

Human Resource Development 21


(USAID Funded), HESCO and Royal
Norwegian Embassy.

As an implementing arm of NRSP, IRM


facilitated various projects and regions
during the year in achieving their targets.
These projects included Sindh Coastal
Community Development Project,
Sustainable Livelihood in Barani Areas
Development Project, Punjab Education
Sector Reforms Project and
RSPN/DFID staff capacity building
projects (WLP etc).

different training trades compared to Community Training


87,708 community members trained in
previous year (2007-08). However under Programme
staff training, 2,526 staff members (1,877
men and 649 women) were trained NRSP-IRM expanded its community
compared with 8,030 staff members training portfolio considerably in 2008-09
trained in year 2007-08. and 42% more community members were
trained under different CTP training
The gender ratio of CTP trainees and trades compared with previous year 2007-
share of different community training 08 (Figure 16). NRSP-IRM trained
components are given in Figure 14 and highest number of community members
15, respectively. Tables 7 and 8 in the in year 2008-09 since its inception. This
Statistical Abstract present the detailed boost has been due to some major
information on the community and staff projects such as PESRP, UCBPRP along
training achievements of NRSP-IRM with the core programme activities.
during 2008-09.
Another significant change has been the
During year 2008-09, NRSP-IRM ratio of women participation and for the
imparted training to a number of local first time in the history of NRSP-IRM
NGOs, RSPs and other organizations women surpassed their men counterparts
which include GBTI, SRSP, AJK/FAO, under the community training component
Balochistan Education Foundation (BEF), (Figure 17). As of June 2008, the women
PIEDAR RUDP, Islamic Relief, AKDN, participation was 33%; whereas during
ILO, PIDS & BRDRS, HRDN, Plan 2008-09, women participation remained
Pakistan, DIR Area Support Programme, 56% which improved the overall women
BRSP, FIDA, SLSP- Punjab, RSPN participation ratio from 33% as of June
(AHKRC), IRC, HANDICAP – 2008 to 37% as on June 2009 (Figure 18).
International, SRSO, Concern Pakistan, This change is an outcome of the efforts
Abt. Associates Inc., FATA – CBP of NRSP at all levels to ensure women

Figure 14: Gender ratio of CTP participants (2008-2009) Figure 15: Components of CTP offered in 2008-09

CMTP, 12,891

NRMTP, 1,769

SSTP, 10,439
44%
Others, 50,177
VTP, 6,487

56%
Refreshers, 238

Activist
Relief & Workshops, 31,963
Rehabilitation, 8,490
Men Women Exposure Visits, 1,732

22 NRSP's 15th Annual Progress Report 2008-2009


participation in the Programme. NRSP
Figure 16: Trend of CTP training participants (year wise since 00-01 to 08-09
regional offices adhered to their Gender
Action Plans whereby both community 140,000
124,186
and NRSP staff were sensitized to 120,000

encourage women to proactively 103,412

100,000
participate in the development endeavors
for sustainable change. 80,000 87,210

60,000 48,788

The CTP has a training portfolio of 40,000


42,630
36,274
47,753

around 300 different tailor-made training 31,301


20,000 20,987
courses:
-
00-01 01-02 02-03 03-04 04-05 05-06 06-07 07-08 08-09
1) Community Management Training
Programme (CMTP);
2) Natural Resource Management
Training Programme (NRMTP);
3) Social Sector Training Programme Figure 17: Yearly gender ratio of CTP participants (00-01 - 08-09)
(SSTP);
80,000 75,746
4) Vocational Training Programme 69,429
70,000
(VTP).
60,000 56,712 54,757

50,000
The Community Management 40,000 36,283

Training Programme focuses on good 30,000


33,356

22,617
governance at local level. The ultimate 20,000 13,584
19,823 19,681 27,666
30,498

objective of CMTP is to enable the local 10,000


20,013
16,451
14,397
11,620 12,505
level grass root organizations – COs/VOs -
7,403

and LSOs – to attain that level of self


suffice where they function as Male Famale

homegrown and autonomous


organizations to address the local level
development issues. The skills acquired
through CMTP enable the local Figure 18: Gender ratio (cumulative) in CTP
institutions to contribute to the 67%
socioeconomic development of the local 70%
63%

56%
poor communities, understand the 60%
dynamics of existing issues and hunt 50%
44%
37%
resources to undertake various economic 40%
33%

and social activities. The community


30%
activists become capable to maintain
20%
transparency in their institutions, lead the
10%
community and spearhead for a change.
0%
As of June 08 2008-2009 As of June 09
The community members trained under Men Women

CMTP during 2008-09 were 26% more


than the previous year (2007-08) and were
highest in a single year in the history of
NRSP-IRM (Figure 19). Cumulatively
Figure 19: Annual participation trend under CMTP
12,891 community members (6,265 or 14,000
12,891
49% being women) were trained. The 12,000
significant feature was women 10,209

participation that rose from 31% in 2007- 10,000

8,450

08 to 49% in 2008-09. Contrary to this, 8,000 7,363 7,035


6,626
the men participation significantly 6,000
6,278 6,236
5,932

decreased from 69% in 2007-08 to 51% 3,975


4,619
4,382 4,557 4,725 6,265

in 2008-09. NRSP-IRM continued 4,000


2,631 3,221
2,819
3,174
broadening the base of training portfolio 2,000 1,869
2,172 2,261
2,638

and new courses like CBDRM and -


762
1,398 1,563 1,375

trainings for Persons with Disabilities 00-01 01-02 02-03 03-04 04-05 05-06 06-07 07-08 08-09

CMTP Male CMTP Famale CMTP Total


were included in the training portfolio.

Human Resource Development 23


The Social Sector Training
Programme includes community-based
education and health sectors. It focuses
on bridging the gaps for quality
education, health, personal hygiene and
sanitation issues among the target
communities. NRSP's experience suggests
that education and health are the two
major areas where tremendous room
exists for improvement and where NRSP
can facilitate the public sector for service
delivery and improved management.

Training in Community-based Education


The Natural Resources Management includes training of the community-
Training Programme sees sustainable school teachers in multi grade teaching,
management of natural resources as a use of innovative and child-friendly
basis to achieve sustainable development education practices and capacity building
in terms of poverty reduction, improved of the community to manage the
equity and resource conservation. The operations of community schools. At the
sustainable management of forestry, same time SSTP trains Government
livestock, land and water resources often schoolteachers and teachers and staff of
means addressing complex institutional, other similar organizations.
social, economic and ecological issues.
The NRMTP encompasses a range of Under Community-based Health, major
activities by which individuals, groups and training events include First Aid Training,
organizations improve their capacity to TBA training, training of community
achieve sustainable natural resource activists on health and sanitation and
To obtain on-ground management. Capacity in this context capacity building of school management
improvement in our includes awareness, skills, knowledge, committees in school health services.
environment, those motivation, commitment and confidence.
During 2008-09, SSTP trained 10,439
who live and work Beyond formal capacity building, it offers community members (2,105 being
directly with it have a a multitude of NRM activities like access women) in different areas of community-
major role to play to accurate information, learning by based education and health. Table 8 at
along with doing, setting up interface with the line Statistical Abstract presents additional
government. It is well departments and other agencies and details of SSTP.
recognized that in access to time-tested technology and
order to achieve long- inputs. The training portfolio includes Vocational Training Programme
term environmental both formal class-room training as well as Since the inception of NRSP-IRM,
outcomes, informal capacity building through vocational and technical training
investments in people exposure visits and organizing field days programme has occupied a special niche
are as critical as and field workshops. with a belief that vocational skills
investments in on- development can make a significant
Besides training the community members contribution to and have a widespread
ground works. in skills and techniques for the impact on poverty reduction.
optimization of their natural resources,
NRMTP has also developed a cadre of The VTP aims at increasing the incomes
NRM experts from amongst the COs of the poorest and most vulnerable
who provide technical support to the sections of the society. Young men and
resource poor farmers in remote areas. women are the participants of the VTP.
During year 2008-09, NRMTP trained Through coordinating and integrating its
1,769 community members (over 84% activities with other programmes of
being women) in different aspects of NRSP (like micro credit, CPIs, NRM
NRM. Training in natural resource etc.), VTP endeavors to establish an
management supplemented with fostered efficient and flexible learning system that
linkages and access to micro credit has addresses local requirements and is
proved very effective in diversifying the sensitive and supportive to the actual
land-based livelihoods.

24 NRSP's 15th Annual Progress Report 2008-2009


needs of the community for lifelong
learning. Few significant features of VTP
are:

• it promotes access to vocational


training opportunities, particularly for
the poor and disadvantaged segments
of the population through a vibrant
training portfolio;
• supports the development and
adaptation of national standards
governing the activities and quality of
offered trainings;
• supports different ways of making
vocational training options more 2008-09, highest number of community
widely available and affordable, e.g. by members participated in VTP since it
reducing entrance barriers, inception in 1997 and this number has
supporting innovative teaching and been steadily rising for the last five years.
learning methods, expanding and It is a combined effect of few factors:
adapting such options for rural
regions, and including business a) increased awareness among the
expertise in the curriculum in order communities to opt for decent
to promote self-employment; employment through acquiring
• does not compromise on the vocational skills;
relevance and quality of vocational
skills by bringing them more into line b) increased capacity to keep at pace its
with market demands. This is done by VTP to meet the accelerated demand
gearing them to local and regional of the community;
economic conditions and
encouraging the involvement of c) the recognition and
public and private vocational and acknowledgement of the training
technical training institutions to quality that has opened up ways for
innovate training options that enable thousands of graduates to enter into
employees to adapt to the changing public and private sector job markets
requirements of the job market for a decent living.
(lifelong learning).
The women participation in VTP has
During 2008-09, VTP trained 6,487 considerably increased from 50% as on
community members in vocational and June 30, 2008 to 60% on end of June
technical skills at its different vocational 2009 (Figure 21). Additional details of the
training centers. These included 3,863 or VTP can be seen in Table 8 at Statistical
60% women. The VTP participation Abstract.
trend (Figure 20 suggests that during

Figure 20: Annual participation trend of VTP Figure 21: Gender ratio of VTP participants (2008-09)
7,000
6,487

6,000 5,609 5,482


5,126
5,000
4,411

3,863
4,000 Men,
3,326 40%
3,081 3,182
3,003
3,000 2,781 2,744
2,754
2,505
2,373
2,738 2,624
2,000 2,372 2,427
1,585
1,516 1,479
Women, 60%

1,302 1,408 1,496


1,000
989 953

-
00-01 01-02 02-03 03-04 04-05 05-06 06-07 07-08 08-09

Men Women Total

Human Resource Development 25


g) Project Designing, Monitoring and
Evaluation

Broadly speaking, the Staff Training


Programme of NRSP-IRM is divided into
following sub-sections.

Management Development
Programme focuses on the enhanced
efficiency and capacity of the mid-level
managers for office and resource
management, administrative controls and
polishing the interpersonal skills;

Staff Training Programme Microfinance Training Programme


caters two types of trainings: i)
One of the core functions of NRSP-IRM microfinance management (appraisal,
is to develop a cadre of development disbursement, documentation, MIS
professionals to meet the market needs management etc.), and ii)
for development institutions from public entrepreneurship development for
and private sector. Through a series of financial management of the small
different tailor-made training enterprises, developing business plans and
programmes, NRSP-IRM instills the cash management for business growth;
professional and managerial skills that
enhance the efficiency, effectiveness and Internship Training Programme fuels
productivity of the staff. The staff the staffing needs of NRSP as well as
training focuses on developing skills like other RSPs and sister organizations to
envisioning for rural / participatory respond to the staffing requirements for
development, implementing policies and enhanced outreach of the organizations.
strategies, networking & advocacy, These are usually fresh university
soliciting contracts with government and graduates who have a long-term plan to
donors organizations, and above all contribute to the efforts for poverty
ensuring the development that fits with elimination. The trainings are a mix of
the mandate of the institutions. short and long-term courses, pre and on-
the-job training and classroom sessions
During 2008-09, NRSP-IRM trained and field exposures/attachments;
2,526 staff members (649 being women)
in different areas. Table 7 in the Statistical Summer Internship Programme meets
Abstract presents additional details of the thirst of university students to learn
staff training. Social Mobilization as a about rural development and mechanics
base of every training, few major areas of of participatory development as a part of
staff training during reporting year their academics. It has been initiated upon
included: the request of universities to embrace
their students with the concepts of RSPs
a) Information, Communication and for socioeconomic development of the
Technology poor communities;
b) Competencies for strategic
operational planning, budgeting and Executive Diploma in English
financial management Language Proficiency is designed for
c) Effective Planning, Management and senior professionals and mid level
Coordination managers to improve their English
d) Participatory Rural Development presentation and communicational skills
e) Improving Governance amongst the and bring them at par with staff of
three tiered grass root level international organizations; and
institutions (COs/VOs/LSOs)
f) Leadership Management and
Professional Development
Managerial Skills with a special focus
for women professionals Programme focuses on meeting the

26 NRSP's 15th Annual Progress Report 2008-2009


emerging needs of competent managers
among RSPs and other sister
organizations. It places a special emphasis
on capacity building of women
professional staff to raise their
confidence and managerial skills at a level
of successful managers.

The impact of
NRSP-IRM's work
NRSP-IRM has been successful in
establishing a solid reputation as a high
quality, innovative and flexible training
provider. It has achieved unmatchable
Issues and challenges
outreach in marginalized rural
communities of Pakistan including AJK • Enhanced collaboration with other
and FATA due to its broadened scope of RSPs
a vibrant training portfolio and current • International recognition as a Center
projects. The effectiveness of NRSP- of Excellence
IRM's Professional Staff Courses is • Institutional capacity building with
apparent from increasing enrolment and regards to the orientation and
organizational promotion. NRSP-IRM attachment of staff in field
has seen people transforming from • Setting up vocational centers in all the
destitute into self-sustained and four provinces
productive citizens through Social • Carrying forward and preserving
Mobilization and Employable Vocational RSPs learning in rural development
Skills. The Vocational programme has for coming generations.
been highly successful and is now • Expanding scope of work to all the
recognized as a strategy to provide RSPs and non RSPs.
employment to the youth in Pakistan.

Future plans
Acquiring new skills has always been a
top priority of NRSP-IRM to keep the
programme at pace with changing global
scenario and advent of latest and
innovative technologies in the
development world. NRSP-IRM takes a
practical approach to being effective and
goes beyond traditional boundaries. It is
currently in the process of accreditation
with HEC as degree awarding institute. It
also plans to initiate International Joint
ventures of Training Programmes and
Academia through networking and
participants exchange programmes. This
approach will help to keep abreast with
fast passed development methodologies.
Media projection (on TV and Internet
channels) is in pipeline for recognition of
RSPs for the global outreach. IRM is
constantly innovating and evolving in
response to the ever-changing local and
global market.

Human Resource Development 27


Physical Infrastructure
and Technology Development
infrastructure schemes implemented by NRSP
have two types of broader benefits i.e.
economic and social.

The role of NRSP in the development and


rehabilitation of rural infrastructure is that of
a catalyst to mobilize the community and
provide technical assistance, and at the same
time NRSP mediates the linkages between the
resource poor communities and the funding
options. This multi-disciplinary approach for
CPIs stems from few integral components:

a) The community need is genuine and


prioritized by the entire community with
consensus;
NRSP perceives existence of basic rural
b) It benefits a wider range of recipients;
infrastructure as a key factor in socio-
c) It is not in conflict with environmental
economic and sustainable development of the
rehabilitation efforts and has no
marginalized communities. It plays an
associated disastrous aftermaths for the
important role in community development
community;
and is a major contributor to poverty
d) Socially and technically it is a feasible
reduction and better livelihoods of the poor
substitute to the existing issue;
people. NRSP experience suggests that
e) It is affordable, manageable and has
improved community infrastructure results in
sustainable impacts; and
better health and education, safe water supply
f) Community takes the responsibility of
and sanitation, and improved access to
the implementation, management and
economic opportunities. Where Community
subsequently of O&M functions.
Physical Infrastructure schemes (CPIs) act as
a stimulus for social cohesion, it also affects
rural development through many channels, Progress Overview
such as improved agricultural productivity,
increased rural non-farm employment, and NRSP is the largest organization in terms of
reduction in rural migration to urban areas. improving rural physical infrastructure
There are anecdotal evidences that the through effective community participation. As
of June 30, 2009, NRSP initiated 20,264
schemes (2,946 schemes in 2008-09). Of
Table 3: CPIs initiated and completed during 2008-09 through all sources these, 19,719 schemes were completed (2,773
Category CPIs Initiated CPIs Completed schemes in 2008-09) and the remaining were
Direct Inputs 385 559 at different stages of completion. The total
Linkages 2,527 2,180 cost incurred on these CPIs was to the tune
Micro Credit 34 34 of Rs.3,900 million (Rs.288 million in 2008-
Total 2,946 2,773 09) which included Rs.942 million of the
community contribution (Rs.28.5 million in
2008-09) . These schemes benefitted 846,751
Figure 22. Analytical framework of the link between rural infrastructure development (88,158 in 2008-09) households.
and poverty elimination
Investment in Rural Infrastructure
Roads, Culverts, paths Land preparation and irrigation schemes Schools and Health
Based on community needs, there are five
and bridges culverts, paths and bridges facilities Infrastructure major categories of the CPIs. These include
agriculture (land development, irrigation,
Agricultural Improved Access Off-farm water channels etc.), drinking water supply,
Productivity to market Employment
communication (small scale roads, bridges,
culverts etc.), Sewerage & Drainage and
Real Economic Growth Wages & Employement for the poor others (mostly social infrastructure like
community building, school boundary
rehabilitation etc.). Agriculture development
Real income/ consumption of the poor communities
infrastructure schemes occupy the largest
share i.e. 45% among the completed schemes
Poverty Reduction
(Figure 23).

28 NRSP's 15th Annual Progress Report 2008-2009


NRSP is striving to increase women
participation in the implementation of CPIs.
These efforts have resulted into a 1% increase
in women in the implementation (Figure 24).
NRSP expects more participation of women
in CPIs in the next year.

PPAF-CECP Health
Facilities Reconstruction
Project in AJK
During 2008-09, NRSP supervised the
construction of a Basic Health Unit (BHU) in
Rangla district Bagh of AJK and a Rural a) Community mobilization around the
Health Centre (RHC) in Ali Sojal, district facilities so that the conflicts, if any, are
Poonch. These facilities were constructed resolved and the community participates
under a tri-partite arrangement comprising a in the post-construction operations and
building contractor firm, a designing and ensures maintenance of the facility;
supervision consultant and NRSP as an b) Facilitation in the site clearance and
executing agency on the site. PPAF provided removal of debris etc.;
overall guidance and technical support. c) Facilitation and technical support in the
identification and selection of contractor
The funds were provided by the Committee (for construction) and 3rd party
for Encouragement of Corporate consultant (for top supervision);
Philanthropy (CECP) USA through PPAF. d) Coordinating with the consultant and
The cost of BHU Rangla was Rs.57.6 million contractor for technical supervision and
and RHC Ali Sojal, Rs.110.5 million. After the construction;
construction, NRSP will equip the facilities e) Supervision of the physical work and
with the required medical equipment and run coordination with contractor, consultant
it for two years. The facilities will be and PPAF; and
eventually transferred to the Health f) Coordination with Department of
Department. Health AJK, ERRA, consultants and
contractors for operationalization of the
This “Build, Operate and Transfer (BOT)” facilities.
project is a new learning experience for NRSP.
This project has added to the institutional Social and
capacity of NRSP to take up larger projects in
public-private partnerships. The quality of the Technical Audits
NRSP inputs was greatly admired at highest
level by the President and Prime Minister of of CPIs during 2008-09
AJK. It is estimated that about 7,500
households of surrounding 8 Union Councils The CPIs are implemented through
will benefit from these facilities. The PITD community participation by the regional and
section took the lead and major tasks field teams of NRSP. The PITD Head Office
performed were: staff conduct periodic visits of selected

Figure 23: Number of completed schemes by type (as of June, 2009) Figure 24: Comparison of Men, Women & Mixed COs accessing CPIs (07-08 vs. 08-09)

DWSS 80%
77%
2,468
13% 80%
Others
6,174
70%
31%
60%

50%

40%

30%
11% 12%
9% 10%
20%
Sewerage & Drainage
Agriculture 10%
1,208
6% 8,935
Communication 45%
934 2007-08 2008-09
5% Men COs Women COs Mixed COs

Physical Infrastructure and Technology Development 29


• 4% of the completed CPIs were not
functional due to different reasons;
• In 100% of the completed CPIs –
regardless of their physical condition and
functionality – the O&M committees had
maintained completed CPIs record
at the CO level;
• Physical condition of 50% completed
CPIs was excellent, 41% good and 8%
satisfactory (Figure 26)

Future Plans
• Various impact assessments have
witnessed immense social and economic
schemes, some of which are ongoing or impacts of the CPIs that NRSP has
recently completed while some as old as ten fostered through the poor communities.
year. The purposes of this site verification and By virtue of its scale, NRSP has acquired
review of records with the COs are to: greater capacity to implement a much
larger portfolio of CPIs. In the next year,
a) assess the current status of the schemes NRSP will implement a very large
in terms of their existing, maintenance portfolio of CPIs under the Sindh
and working conditions; Coastal Community Development
b) assess the quality of services being Project (SCCDP) through ADB and
rendered by the CPIs vis-à-vis their GoSindh funding. NRSP also expects to
objectives; scale up CPIs through PPAF III funding
c) assess the systems in place for Operation and Union Council based Poverty
and Maintenance by the COs; Reduction Programme.
d) learn the level and accuracy of CPIs • An independent CPI impact study is
record keeping at CO level; and being negotiated with RSPN to review
e) capture gaps in any of the aforesaid the programme strategy and planning so
aspects and suggest corrective actions. as to maximize the outreach and benefits
of CPIs for rural poor.
During 2008-09 too, PITD section conducted • PITD section uses a sophisticated MIS to
12 such audits of the completed CPIs in AJK, track the progress of CPIs. It is hoped
Bahawalpur, Badin, Turbat, Dera Ghazi that this MIS will be instrumental to
Khan, Mianwali and Rahim Yar Khan regions suggest changes in the Standard
where 83 CPIs of different types and of Operating Procedures (SOPs) based on
different post-completion duration were analytical reports;
examined. The significant findings of audits • The PITD section is taking a lead role to
were: test Innovative technologies,
interventions and approaches through
• 96% of the completed CPIs were fully the UCBPRP and SCCDP in Sindh.
functional and serving the purpose for
which they were implemented. Of these
5% CPIs needed minor repair (Figure
25);

Figure 25: Functionality status of CPIs audited in 2008-09 Figure 26: Physical condition of audited CPIs during 2008-09

4%
5% Poor, 1%
Satisfactory, 8%

Excellent, 50%

Good, 41%

91%

Functional Functional but needed repair Non-functional

30 NRSP's 15th Annual Progress Report 2008-2009


Environment and
Natural Resource Management
The overarching objective of ENRM at
NRSP is to introduce a long lasting
attitudinal change among the poor
farming communities to adopt sustainable
environment and natural resource
management practices to avert
deterioration of natural resources – soil,
water, forests, fishery and biodiversity.
NRSP has adopted a two-pronged
ENRM management strategy:

a) building the capacities of


communities to increase productivity,
reduce losses, save environment and Livestock, PPAF funded projects and so
optimizes the use of rapidly depleting on are few examples.
natural resources; and
b) Introducing new technologies and
methodologies for increasing ENRM Activities
production, reducing losses, in 2008-09
increasing efficiency and improving
environment. During the reporting year, ENRM
assisted the farmers in order to make
ENRM operations at NRSP are rarely them available improved variety of seed,
standalone as all other sectors contribute saplings for plantation, better breeds of
in different ENRM activities. For instance cows, buffaloes, and various other
NRSP IRM is looking after the capacity services and inputs in collaboration with a
building segment through public sector number of government and private
and private institutions, PITD provides agencies. During year 2008-09, ENRM
technical assistance in the implementation section in collaboration with NRSP-IRM
of irrigation CPIs and other NRM trained 1,769 community members (278
infrastructure, and MEDP provides men and 1,491 women) in different
microfinance support to small and disciplines of ENRM.
resource-poor farmers. In order to
increase access of the target communities In addition to the core activities
to information, technologies and inputs mentioned above, NRSP also
that are required to increase yields or implemented targeted projects such as
reduce losses, NRSP works closely with a Prime Minister's Special Initiative for
number of government and private Livestock (PMSIL), Crop Maximization
agencies and research institutions that can Project, SLBAP, and projects supported
provide such services e.g. NARC, PCRET by Pakistan Poverty Alleviation Fund.
or Livestock Training Institute Kheri Table 14 in Statistical Abstract presents
Moorat. the yearly and cumulative achievements
of ENRM sector during year 2008-09.
NRSP's demonstrated ability to mobilize
the communities for integrated rural
development has attracted the Replicating the tested
government and other donor agencies to methodologies and practices
implement their ENRM and poverty
reduction projects with NRSP. The Crop In addition to the core programme of
Maximization Project, Sustainable providing access to different services,
Livelihoods in Barani Areas Project, inputs and the targeted project, the
Sustainable Land Management Project, ENRM section also carried out various
Prime Minister's Special Initiative for pilot projects to test and implement new

Environment and Natural Resource Management 31


Promoting Biological Control
of Sugarcane Insect Pests
through Integrated Pest
Management techniques
In order to promote biological pest
control on sugarcane crop, ENRM
section of NRSP has developed a pilot
project for testing in District Bhakkar.
The objective of the project is to reduce
and eventually eliminate the use of
chemical pesticides and replace it with
biological and integrated pest control
technologies or methodologies. Some of
practices. Its salient features include:
these initiatives are elaborated below:
a) awareness raising among the
Bio-Gas Plants – An Initiative sugarcane producers for adopting
for Promoting Renewable biological pest control practices;
b) establishment of a laboratory at
Source of Energy District Bhakkar for raising and
proliferation of natural predators of
With the technical assistance of PCRET, sugarcane pests;
NRSP has successfully pilot tested the c) orientation of farmers to the concept
installation of biogas plants which is of integrated pest management, pest
environment friendly and a cheap source scouting and use of natural predators;
of energy. The advantages of bio gas and
plants are: d) promoting sugarcane trash
conservation for substantial use as
a) Rich source of eco-friendly energy mulching and biological fertilizers.
production for heating, lighting,
cooking, electricity etc.; The physical implementation of the
b) Transformation of organic wastes project will begin in year 2009-10.
into high quality fertilizer for However as of June 30, 2009, NRSP has
subsequent use in cropping; established a laboratory at District
c) Improvement of hygienic conditions Bhakkar and laboratory technicians are
through reduction of pathogens, working for the inoculation of natural
worm eggs and flies; predators. NRSP plans to reach 4,000
d) Reduction of workload, mainly for small farmers in three years time. Based
women, in firewood collection and on the pilot testing in the field, NRSP
cooking; and hopes to scale up this initiative in its
e) Environmental advantages through entire programme area.
protection of forests, soil, water and
air.
Off-Season Vegetable
Visible advantages of the biogas plants Production through Tunnel
coupled with awareness raising from Farming
NRSP, technical assistance from PCRET
for effective O&M of the biogas plants
NRSP has pilot tested tunnel farming at
and financial assistance have altogether
Bahawalpur regional office by setting
made this a 'buy-able product' for the
high-rise walkthrough plastic tunnels for
communities. During the year 2008-09,
the off-season production of cucumber at
100 biogas plants were installed. Of these,
one acre.
50 plants were installed on a 50% cost-
sharing basis. With the acceptance of
This pilot has been very successful
biogas as an alternative strategy, NRSP
experience for NRSP. Only in two
will undertake an impact assessment of
cropping seasons, NRSP has recovered
the initiative to have anecdotal evidences
the entire investment through off season
for further promoting this technology.

32 NRSP's 15th Annual Progress Report 2008-2009


cucumber production. This experience
tells that progressive farmers can earn 5-6
times more through off-season vegetable
production compared with conventional
cropping. Table 4 elaborates the cost and
benefits of this model:

Wheat Seed Multiplication


For the Rabi wheat crop of 2008, NRSP
ENRM section contacted Punjab Seed
Corporation (PSC) for the multiplication
of Chakwal 50, Bhakkar 2002 and GA
2002 wheat seed through COs of District
Chakwal, Attock, Jhelum, Bhakkar, Achievements: The Project activities
Mianwali and Khushab. NRSP procured commenced in January, 2007
the new varieties of the wheat seed and
provided this to farmers on cash 98 Veterinary Clinics have been
payment. The average yield of local established and equipped and are now
varieties is 20-25 monds per acre, while providing livestock services. A “Revolving
the average yield of the new varieties of Fund” of Rs. 39.2 million for purchase of
seed was between 30-35 monds per acre. veterinary medicines and supplies has
As a result, 5-10 monds per acre yield been set up. As of June 2009 medicines,
increased as compared to the local vaccines and veterinary supplies worth Rs.
varieties. 39.2 million have been purchased and
supplied to the Clinics. The targets have
been set to achieve additional milk
The Prime Minister's Special production of 4.11 and 67,586 tons of
Initiative for Livestock Project meat by completion of the project. As of
June 2009, a total of 1,034 CLEWs have
NRSP is engaged in this project since received training and they are providing
November 2006 through the Rural first aid, vaccination, advice on better
Support Programmes Network (RSPN). husbandry practices to the communities
The objectives of the project, all aimed at in their respective villages. In addition
ultimately alleviating poverty, are: 25,109 women farmers have received
training in better animal husbandry
• Livestock productivity enhancement practices. Out of these many women
through livestock extension and farmers have adopted improved animal
veterinary services; husbandry practices. As of June 2009,
• Rural livestock assets creation, with
the objective to increase milk and
meat production. Table 4: Two year income expanse
Description Year one Year two
NRSP will target a population of about 4
Total Area under cultivation 1 Acre 1 Acre
million rural men and women in 697 Total crop time 6 Month 6 Month
Union Councils in 30 Districts in four Crop Cucumber Cucumber
provinces and AJK. NRSP provides Depreciation of tunnels and steel frames* 36,627 36,627
Cost of Land preparation (Rs) 21,275 6,200
necessary extension services through 98
Cost of Plastic Sheet (Rs) 64,000 50,000
DVMs, 8 District Livestock Officers and Cost of Seed (Rs) 28,000 50,500
2,450 'self-employed' Community Cost of Pesticides (Rs) 14,020 15,500
Livestock Extension Workers. The DVMs Cost of Irrigation water (Rs) 9,000 10,000
Fertilizer Rs. 54,190 64,500
operate from Field Clinics while the Vertical strings 9,185 8,200
CLEWs coordinate with the DVMs from Unskilled Labor Rs. 12,280 7,800
their home places. They mobilize the Skill Labor (Rs) 32,000 78,000
community for improved livestock Total Expenditure Rs 280,577 327,327
Total production** (Kg) 35,150 53,650
management practices. The DVMs Total income obtained from sale 426,550 645,250
arrange treatment of the cases referred to Net profit(sale - expenditure) Rs. 145,973 317,923
by the CLEWs to the DVMs. The * Capital cost of Steel Framed walk through tunnels and other accessories is Rs. 183,184. total life
span is expected to be 10 Years.
CLEWs goes through extensive training. ** Number of plants per acre are increased by 50% in year two

Environment and Natural Resource Management 33


since September 2006. ASF provides
grant funds to eligible Farmers Enterprise
Groups (FEGs) for (i) capacity building;
(ii) start up of agribusiness enterprises;
(iii) demand driven research; (iv)
development of private sector extension
services; and (iv) purchase of Business
Development Services.

The objective of NRSP's collaboration


with ASF is to enable the farmers to
increase agricultural production and
diversity sources of their incomes
through value addition projects. As of
3,095,057 animals have been vaccinated, June 2,009 a total of 87 Farmers
2,885,809 have been treated for various Enterprise Groups have been formed, out
animal diseases and 17,121 breedable of which 44 FEGs were clustered into
cows & buffaloes have been inseminated Nine Apex Enterprise Groups (AEGs)
using superior germ plasm. for setting up eight milk collection,
chilling and processing units and a potato
Impact chips manufacturing unit. The remaining
43 FEGs undertook various other
1. A large number of women agribusiness activities such as gladioli
farmers are now aware of better flowers growing and marketing, potato
seed production, tunnel farming,
animal husbandry practices. vaccination of livestock, fruit processing,
2. The creation of a cadre of 1,034 etc. As of June 2009, 2,256 farmers have
self employed CLEWs are now benefited from this collaborative initiative
providing livestock services at the and ASF has provided technical assistance
door step of the communities. and financial aid to FEGs amounting to
3. Marginalized communities had Rs. 8.8 million. Formation of remaining
increased access to livestock 13 FEGs is in hand.
services.
4. Adoption of better animal Future plans
husbandry practices has improved
milk & meat production resulting Realizing the significance to promote the
in higher income to the modern farming technologies and
communities. demonstration of best practices to
mobilize small farmers for profit
Lessons Learnt maximization, ENRM section at NRSP
will focus on Research and Evaluation
• In order to enhance access to activities in the coming year. The
livestock services, training of CLEWs Research and Extension areas include
and their deployment in their Integrated Pest Management, Organic
respective villages is rewarding for the Farming, commercial production of Cut
communities, CLEWs and Flower, Tunnel Farming for off-season
Government; and vegetables and fruits etc., Drip Irrigation,
• In order to enhance capacity of Rainwater Harvesting and Renewable
farmers there is a need to scale up the Energy initiatives.
field level livestock management
workshops. ENRM section is also lobbying with
national and international organizations
to combat the food crises and soaring
Partnership with food prices through productivity
Agribusiness Support Fund enhancement initiatives, especially in food
deficient areas of Pakistan.
NRSP is also working in partnership with
the Agribusiness Support Fund (ASF)

34 NRSP's 15th Annual Progress Report 2008-2009


Social Sector Services
Recognizing the fact that health and
education sectors are public goods,
NRSP's role is to act as a conduit between
the service providers including
Governments and communities to
facilitate and improved service delivery. In
addition, NRSP also undertakes
operational research to create models and
then initiate policy dialogue amongst
stakeholders on the basis of the research.
The salient features of NRSP's social
sector policy are therefore the following:

• Demand creation and awareness


raising for education, health, hygiene,
sanitation and safe drinking water;
• Forging linkages between poor
communities and service providers
particularly the government
Project under Punjab Education
departments and agencies for
Sector Reforms Program (PESRP) in
awareness raising and effective
more than 15,000 government
delivery of services;
schools in 10 Districts;
• Providing health cover to poor
• Extension of capacity building
communities through innovative
programme in Balochistan with the
delivery channels like the Micro
financial support of the Balochistan
Insurance scheme (Please see chapter
Education Fund (BEF);
Microfinance & Enterprise
• Successful implementation of the
Development) as a sustainable and
USAID and DFID funded education
long term programme
projects in AJK ;
• Implementing pilot projects as role
• Initiation of a pilot project named as
models (e.g. schools, health centers,
“Programme on Adult Literacy and
literacy centers etc) for the
Life Skills” with in-house institutional
government institutions to follow;
capacities;
• Participating in donor funded
• Partnership with UNICEF for Water
projects to demonstrate the impact
Environment and Sanitation Services
of working in partnership with the
(WES) in government schools of
communities;
Lasbella;
• Special initiatives to increase women
• Partnership with David and Lucile
participation and increasing their role
Packard Foundation and FALAH for
in the development of society and
awareness raising about reproductive
improving quality of life; and
health;
• Capacity building of local networks
• Extension of PAIMAN project
and community activists in
activities in current districts and two
undertaking health and education
additional districts namely Gwadar
initiatives at primary level on a self-
and Jhelum;
help basis and through linkages with
• Distribution of LLINs in six districts
government and private agencies.
under GFATM round 7 Malaria
programme;
Snapshots of 2008-09 • Implementation of small grants
programme for health under PRIDE
The significant achievements of NRSP project;
about Social Sector in year 2008-09 are: • Service provision in health clinics
established with support of PPAF
• Participation in the implementation and other organizations;
of School Council Capacity Building • Support to identification of

Social Sector Services 35


February 2009 to June 2012). The
extended phase requires the
implementation in 29 districts of the
Province. NRSP has undertaken this task
in 10 districts namely Rawalpindi, Jhelum,
Lodhran, Bahawalpur, Bahawalnagar,
Khushab, Bhakkar, Mianwali, Dera Ghazi
Khan and Rajanpur. NRSP will be
working with 15,900 government schools.
The project aims at increasing primary
class enrollment by 10%, decline in
dropout by 20%, increase the primary
school completion rate by 10% and
reduce the teacher absenteeism by 20%.
malnourished children, pregnant and
lactating women (Community NRSP has collected baseline data for
Managed Acute Malnutrition) 2,475 schools and has formed /
through UNICEF assistance; reorganized 1,068 School Councils (SCs)
of which 293 have been notified. Based
on the experience of the first phase,
Education NRSP is confident that it would achieve
the targets and objectives as envisaged in
Major Projects the second phase. Table 5 provides todate
achievements under Phase II. The major
Punjab Education Sector Reforms components of the project remain same
i.e. social mobilization for effective SCs,
Project (PESRP)
capacity building of SCs and officials of
the District Education Department
The first phase of the project concluded
(DED). NRSP also continued providing
in December 2008 with remarkable
support to School Councils in the PESRP
successes. NRSP participated in the
phase I pilot projects where SCs were
project through 1,650 government
utilizing the funds provided to them from
schools in 5 districts of Punjab. NRSP
District Governments.
was able to achieve an increase of 11%
enrollment in first year, 8% in second year
and 3 % in third year of project because Balochistan Education
of social mobilization and awareness Support Project
raising campaigns. Table 15 in Statistical
Abstract provides cumulative NRSP is working with the Balochistan
achievements of Phase I of the project. Education Department through
Balochistan Education Fund (BEF) in a
The successful implementation of the World Bank funded project to expand the
first phase has led to extension of the educational infrastructure in remotest
project for another three years (from rural areas in four districts namely Kech,
Panjgoor, Awaran and Gwadar. The
Project has three major components:

Table 5: PESRP Phase II Achievements, as of June, 2009 a) Establishment of new community


Activity
Total Target
for Year I (2009)
Achievement
as of June 2009
%e Achievement
(Against Total)
schools in rural areas;
Total Schools 4,328
b) Technical support to private schools;
Girls Primary Schools 1,748 and
Boys Primary Schools 1,933 c) Capacity building of Parent
Girls Elementary schools 189 Education Committees (PEC).
Boys Elementary schools 242
Masjid Maktab Schools 208
NRSP is responsible for the following
Community Model School 8
Baseline Data Collection 4,328 2,475 57%
tasks:
Programme Introduction 4,328 1,759 41%
SC Reorganization/ • Social mobilization to ensure that
Organization 4,328 1,068 25%
community participates in PECs
SC Notification 4,328 293 7%
• Assisting PEC in the establishment

36 NRSP's 15th Annual Progress Report 2008-2009


and operations of community
schools
• Supporting PEC for registration
• Providing on-site support to the
teachers
• Capacity building of PEC in school
management and finance
• Establishing baseline for schools,
community and PEC
• Monitoring enrollment and
attendance of children
• Monitoring quality of learning

NRSP has established 62 Community


Schools against a target of 56 with a total
Increasing Community
enrollment of 2,150 students (1,120 boys
& 1,030 girls). The review missions have Participation in Education
appreciated NRSP's performance. NRSP-
IRM has implemented the capacity With the financial support of DFID and
building component of PECs and administrative support of the AJK
teachers through a separate contract. As a government, NRSP implemented this
result of their excellent performance BEF project in four districts of AJK namely
expanded this contract from 4 to 15 Neelum, Muzaffarabad, Bagh and Kotli.
districts of Balochistan. Table 17 in The project, started late in 2006 and
Statistical Abstract presents cumulative achieved all the project targets
achievements of the project. successfully (Table 6).

The project aimed at strengthening school


School Water Environment
management and quality of education
and Sanitation Services (WES) through establishment and capacity
in Lasbella building of 2,364 primary and middle
School Management Committee (SMCs)
NRSP is implementing WES project with and establishment of 91 teachers
the financial support of UNICEF for Resource Centres (RCs) to provide
providing missing facilities of water and literary support to the teachers for adding
sanitation and capacity building of quality to the teaching skills and material,
teachers and Parents Teachers School and also provided space for meeting
Management Committees (PTSMCs) for SMCs and training events.
50 government schools in district
Lasbella. In line with the project requirements,
NRSP supported all SMCs to get
The project aims at increasing access of registered with the Education
about 6,000 students to safe drinking Department. These SMCs are now
water and sanitation facilities, training of proactively engaged in school
200 women school teachers in School
Sanitation Hygiene Education (SSHE),
training of 200 PTSMC members in
SSHE and establishment of 50 Children Table 6: Increasing Community Participation in Education in AJK
Clubs and their capacity building on life Total Total
Activities Targets Achievements
skill based hygiene education. With the SMC organized 2,364 2,377
active support of Department of SMC notified 2,364 2,377
Education Lasbella, NRSP has completed SMCs with active bank account 2,364 2,377
project targets as of June 2009. Based on Revolving funds transferred to SMCs 2,364 2,364
its excellent performance and SIP prepared 2,364 2,377
encouraging outcomes, UNICEF has SMC members trained 16,639 16,683
AEOs trained for SMCs 38 37
offered NRSP another Project
Resource Centers established 91 91
Cooperation Agreement for missing
Teachers Trained around RCs 1,007 1,007
school facilities component of BEF for Revolving fund transferred to RCs 91 91
289 schools in Lasbella. Funds transfer to RC 91 91

Social Sector Services 37


Revitalizing, Innovating
and Strengthening
Education (RISE)

A consortium comprising the American


Institute for Research (AIR), International
Rescue Committee, Sungi, SRSP and
NRSP is implementing this project. The
project aims at strengthening education
infrastructure in post-earthquake period
in the worst hit districts of AJK and
NWFP namely Muzaffarabad, Bagh,
Rawalakot and Mansehra. NRSP is
implementing the project in AJK. With
management issues and are active close association of Directorate of
partners of District Education Education (DOE) AJK, the project
Department (DED). follows an integrated approach to
revitalize and strengthen education system
The project was given eight months in AJK.
extension for mainstreaming the teacher
training programme under Resource During the year 2008-09, NRSP focused
Centres, capacity building of DOE staff on capacity building of SMCs to access
across AJK. Extended period also aimed small grants from RISE and use them for
at creating separate budget line on annual school improvement. The grants triggered
basis for SMCs and Resource Centres by community's engagement in school
the government of AJK. management affairs and people also
contributed generously to improve their
In order to create synergies for getting schools. NRSP provided follow up
maximum benefits from this project, support to the teacher clusters after they
NRSP worked closely with the received training from the RISE team.
government and other project namely
RISE. The RISE project supported the Awareness raising campaigns were
establishment of Resource Centres in two launched using the puppet shows,
districts. The joint efforts of DFID, advocacy and students competitions.
USAID, AJK Government, communities NRSP was able to provide more support
and NRSP have greatly contributed to the to Resource Centres in Neelum and Kotli
success of the project. NRSP supported under DFID project as RISE had taken
SMCs to develop their School care of the same task in Muzaffarabad,
Improvement Plans (SIP) and get funds Bagh and Rawalakot. Table 7 gives the
from DED for the improvement of summary of annual and cumulative
physical infrastructure. achievements of RISE project.

Community Empowerment
through the Provision of Quality
Formal Education
Table 7: Achievements under RISE Project, as of June, 2009
Project Deliverables/Activities During As of PPAF had initially provided financial
2008-09 June 2009
assistance for setting up community
SMCs reactivated/organized 596 1,600
schools in remotest areas of district
SMC members trained 7,337 10,552
Bhakkar, Khushab, Bahawalpur and
Teachers trained (Primary) 1,680 2,071
capacity building support to government
Teachers trained (Elementary) 894 967
schools in Rahim Yar Khan. In Rahim
No. of clusters formed for
220 269 Yar Khan PPAF, NRSP and Jamal Din
teachers training follow up
Teacher training cluster meetings conducted 131 335 Wali Sugar Mills work as partners to
Class room observation of teachers 86 456 improve the physical and learning
SIP prepared by SMCs - 1,486 environment in the selected government
Grants released to schools (1st installment) - 235 schools. Main aim of the PPAF support
Grants implementation completed - 15 in this schools is to ensure quality

38 NRSP's 15th Annual Progress Report 2008-2009


education to poor students in remote
areas where there is no alternative
available. Development of
entrepreneurship for making these
schools sustainable under the structure of
COs is the key project strategy. The
significant achievement of the project has
been improving ability of the community
schools to graduate by adding high school
classes, especially for the girls. The
communities are gradually taking charge
of the operational expenditures of these
schools. A summary of achievements is
given in Table 20 in Statistical Abstract.

Community Model Schools Adult Literacy


Programme through
Community Model Schools are a unique specialized NGOs
one-room one-teacher model and are
established in areas where no alternate To mainstream the Adult Literacy into
educational infrastructure exists, the areas core programme, NRSP has engaged two
is thinly populated and setting up specialized NGOs to train a cadre of
government schools is not NRSP staff as master trainers/teachers to
feasible/permissible or cultural implement a literacy programme in areas
sensitivities do not permit girls to go to having little access to adult literacy. This
distant schools for education. Community project is being implemented in Awaran,
plays central role by providing space, Panjgoor, Turbat, Gwadar, Rahim Yar
teacher and ensures the children Khan, DG Khan and Rajanpur. The
enrollment and presence. The SMC looks objective of this initiative is to increase
after the administrative matters of the the capacity and capabilities of illiterate
school and its O&M. NRSP supports members of NRSP COs so that they are
through teacher's salary and training of able to participate in decision making
SMC and the teacher. These schools effectively. Table 16 at Statistical Abstract
provide education up to primary level and presents the cumulative progress as of
thereafter students are mainstreamed into June 30, 2009.
formal and private schools. Table 19 at
Statistical Abstract provides achievements Programme on Adult Literacy
of this model.
and Life Skills (PALLS)
Adult Literacy This is an in-house developed programme
of NRSP with the technical assistance of
NRSP's adult literacy programme targets an expatriate of Volunteer Support
mostly adult women CO members and Organization (VSO). NRSP is pilot
aims at imparting basic literacy and testing it in one Union Council of
numeracy skills. This enables them to read Bhakkar District. Basically this is an
and write and hence understand the interactive and learning based Literacy
minimum record of savings and credit programme which revolves around day to
etc. These skills also enable them to take day activities of the communities besides
informed decisions regarding day to day the literacy and numeracy skills. It has
transactions and improve the quality of been designed after a careful analysis and
their interaction with banks, shop keepers deep observation of the life of the
etc. Currently NRSP is undertaking two community in Union Council Litten and
types of Adult Literacy initiatives. These covers all aspects of life i.e. agriculture,
are: health, education, income generation etc.

1. Adult Literacy Programme through The overall objective of the project is to


specialized NGOs develop a localized and low cost adult
2. Programme on Adult Literacy and literacy model that is managed and
Life Skills

Social Sector Services 39


implemented through the LSOs and is reproductive health, appropriate
able to make the illiterate CO members nutrition of mother and child, and
especially the women members literate optimizing the available health
and engaged in constructive and resources ;
productive activities through life skills. • Capacity building of Traditional Birth
This is still a pilot initiative and its scaling Attendants;
will be contingent upon successful • Educating communities, especially
implementation of the pilot. men, about the importance of family
planning in relation to improved
quality of life and enhancing the role
Future plans of women in deciding the family size;
• Hospitalization and Accidental Death
NRSP intends to work closely with the Insurance (details in MEDP chapter)
LSOs and the government at various • Capacity building of officials of the
levels for replicating the lessons learned Health Department and community
from successful pilot projects. The to improve the governance of health
ultimate goal is to improve the living outlets for improved service delivery;
standards of poor communities through • Facilitating national/international
education and literacy. donors and government departments
for the implementation ofhealth
Health projects in remote and difficult areas
as an effort to support the
The health component of the Social government in meeting MDGs with
Sector aims at increasing access of regards to health.
marginalized rural communities to
primary health services and preventing Major Projects
them from diseases through awareness
raising. NRSP achieves this objective by Family Advancement on Life and
forging linkages with government and Health (FALAH) Project
private service providers and building
capacities of the target communities. NRSP is one of the implementing
NRSP also implements pilot projects to partners of the USAID/FALAH project.
improve extension services and improve NRSP is implementing this project in four
delivery mechanisms. districts namely Thatta, DG Khan, Turbat
The major activities include: and Gwadar. The project focuses on the
incorporation of birth spacing into family
• Health education of the communities health programme to reduce the high
about personal health/hygiene, levels of maternal and infants illness and
deaths. Through social mobilization, the
project educates the communities,
especially the young married couples, on
Table 8: Summary of achievements in education (2008-2009) birth spacing for the better health of
Activities
During
Total
mother and children.
2008-09
No. of Govt./Community Schools Facilitated 2,442 8,254
No. of SMCs/PTSMCs/VECs/SCs established 1,094 5,893
NRSP has done the necessary preparatory
Students benefited from NRSP interventions 85,214 287,918 work to roll out the project. The FALAH
Boys 45,779 154,935 project has designed a unique
Girls 39,435 132,983 Information, Education and
Number of teachers in these schools 4,331 10,865
Communication (IEC) strategy for
Men 1,903 4,963
Women 2,428 5,902
effectively communicating the key
Number of teachers trained 279 6,678 messages to the communities.
Men 84 3,091
Women 195 3,587 NRSP has identified and trained 794 local
SMCs/PTSMCs/VECs/SCs members trained 9,269 29,779 level Community Facilitators (401 being
Men 5,482 14,098
women) to facilitate the dialogue with the
Women 3,787 15,681
No. of adult literacy graduates 2,765 19,895
communities. The messages are
Men 482 2,038
communicated through participatory
Women 2,283 17,857 dialogues, storytelling, demonstration of

40 NRSP's 15th Annual Progress Report 2008-2009


contraceptives, audio cassettes and
interactive discussion. Communities are
also linked with service providers such as
clinics of Ministry of population Welfare
and Greenstar outlets. Table 21 in
Statistical Abstract shows the district wise
progress of FALAH Project.

PRIDE Project

Primary healthcare Revitalization


Integration & Decentralization in
Earthquake-affected areas Project is
USAID funded initiative where
International Rescue Committee (IRC) is a) Capacity building and monitoring of
the lead implementing partner with a local NGOs in district Jhelum and
consortium of sub-guarantees; NRSP Rawalpindi. NRSP has successfully
being one such partner for the District of completed this component during
Bagh, AJK. The project aims at 2007;
revitalizing District Health Systems b) Establishment of a Birthing Station
through strengthening human resources in BHU Kot Siah, district Murree and
and financial management capacities of this component has also been
the officials of District Health completed successfully; and
Department and primary health care c) Community mobilization and
providers. capacity building in the catchments
areas of Birthing Station and selected
As of June 30, 2009, NRSP completed Union Councils of District
the establishment of 26 Health Rawalpindi
Management Committees that have also
been notified by the District Health NRSP continued community mobilization
Department. These HMCs are being with regards to antenatal/postnatal health
provided grant for supporting the health services. As of June 30, 2009, NRSP has
related concerns of the surrounding established 243 health groups and carried
communities e.g. access road to facility, out a series of awareness raising
clean water, rehabilitation of health campaigns. These health groups
facility etc. Prior to this NRSP completed generated funds, identified potential list
social assessment of 141 target villages in of blood donors and transport owners to
the district. NRSP established 129 Village facilitate emergency needs during delivery.
Health Forums (VHF) with a
membership of 2,709 (1,729 being A total of 8,446 patients have been
women). provided OPD services in the Birthing
Station. It also successfully facilitated 102
Capacity building programme included delivery cases. Based on this performance,
health awareness workshops (8 events), the TT vaccination and immunization of
UC level health forum workshops (4 the children has also been included in the
events), grant proposal writing training (3 project.
events), and Village Health Forum office
bearers workshops (5 events). Table 18 in Positioning of Family Planning as
the Statistical Abstract presents the Health Intervention
detailed progress of PRIDE project.
With the financial assistance of David
PAIMAN Project and Lucile Packard Foundation, NRSP is
implementing this three years' project in
NRSP has been working as a sub- Rahim Yar Khan and Rajanpur districts.
guarantee under a USAID funded The project aims at improving health
PAIMAN project since 2006. NRSP has status of rural communities of the
three major responsibilities under this poorest districts of South Punjab through
project: facilitating the adoption of family

Social Sector Services 41


from 3 project districts to all the
programme districts of NRSP. The
LLINs distributed through this campaign
are given in the Table 9 below.

NRSP also entered into agreement with


Directorate of Malaria control for
"GFATM Round 7 Malaria". This project
also aims at reducing the prevalence of
Malaria in highly endemic districts of
Pakistan. NRSP is one of the key partners
for community mobilization and LLIN
distribution in District Gwadar, Turbat,
Thatta, Tharparkar, Khairpur and
planning and birth spacing. NRSP is using Mardan. In Tharparkar NRSP is working
the platform of COs and cadre of in collaboration with TRDP and in
activists for raising awareness among the Khairpur with SRSO.
communities about reproductive health
and family planning. Under this project Under this project, households with
NRSP will carry out demand creation pregnant ladies and children under 5 are
activities and capacity building of public provided free LLINs through government
and private sector service provider in the health facilities and special outlets
project area. NRSP has done the established by RSPs. Project is also
necessary preparatory work and an working on provision of better diagnosis
extensive baseline survey is underway. and cure services through provision of
The project interventions will be finalized equipment, supplies and training to
on the basis of findings of the baseline concerned staff. NRSP is carrying out
survey, in consultation with the awareness raising campaign through
stakeholders and David and Lucile community dialogues, puppet shows and
Packard Foundation. structured sessions with health service
providers and community notables. The
Preventing Malaria through district wise progress is presented in
Insecticide Treated Bed Nets and Table 10.
Community Mobilization.
Community Health Centers
NRSP is carrying out this campaign since
it was partner with GFATM round 2 With the financial assistance of PPAF,
Malaria. After closure of that project NRSP established two Community Health
NRSP continued with awareness raising Centers for curative health services at
campaign and social marketing of LLINs Lakkarmar (Tehsil Jand) and Bhattian
from the funds provided by the project. (Tehsil Kotli Sattian) in 2006. These
Now this campaign has been extended centres were designed to provide OPD

Table 9: LLIN distribution under GFATM Round 7 Malaria Table 10: LLIN distributed as of June, 2009

RSP District No. of outlets LLIN Distributed GFATM Round 2 NRSP through
District
Malaria Revolving Fund
NRSP Kech 20 4,792 Turbat 17,989 3,700

NRSP Gwadar Badin 16,881 806


17 2,187
Mardan 10,000 433
SRSO Khairpur 45 1,045
Rawalpindi 108
NRSP Thatta 34 12,006 Mianwali 774

TRDP Tharparkar 33 4,318 Bahawalpur 2,432


Rahim Yar Khan 523
NRSP Mardan 20 10,984
DG Khan 612
Total 169 35,332 Total 44,870 9,388

42 NRSP's 15th Annual Progress Report 2008-2009


and MCH services in remote areas
without access to these services. Local
communities were expected to take
charge of the operations at these facilities
and sustain by June 2009.

However, in early 2009, it was concluded


that the Lakkarmar centre will not
become sustainable due to very low OPD
turnout and lack of interest shown be the
community while the Bhattian centre is
still functional but not financial viable. It
has been proposed to the PPAF to shift
the Lakkarmar centre to Bahawalpur
where there is strong need and continue pregnant and lactating women, NRSP
the financial support to both centres for carried out various activities to promote
another 3 years. breast feeding, dissemination of
knowledge about nutrients supply to
The NRSP's social mobilization team pregnant/lactating women and
have mobilized the COs/VOs/LSOs to malnourished children. NRSP used its
supervise the operations of these centres. COs' platform for awareness raising and
During the year 2008-09 the centres other services. Table 23 in Statistical
provided medical treatment to 11,258 Abstract presents the summary of
patients against nominal charges. achievements.
Community has been trained to revolve
the income of the centre to procure the
medicines and meet operational costs of
the centers. Table 22 gives cumulative
progress of the centers as of June 30,
2009.

CMAM activities in flood affected Union


Councils of Dera Ghazi Khan and
Rajanpur

NRSP implemented this emergency


nutrition project in six Union Councils of
District Dera Ghazi Khan and Rajanpur
that were worst hit by the monsoon
floods of 2008-09. The UNICEF
provided the required financial assistance
and technical assistance and the District Table 11: Summary of achievements in health (2008-2009)
Health Department supported the project Achievements
Activities
through BHUs and Stabilization Centers. 2008-09 As of June 2009

Operational support at health facilities - 17


The project aimed at addressing the Patients treated in health facilities 16,288 360,716
nutritional deficiencies of children (5-59 Men 2,570 103,804
months age), pregnant and lactating Women 2,894 155,043
Children 10,824 101,869
women in the flood affected areas. For
No. of LLINs/ITNs disbursed 33,628 85,881
this purpose, NRSP established
No. of Health Workers trained - 1,763
Supplementary Food Programme and No. of TBAs trained 135 1,571
Outpatient Therapeutic centers in the No. of health camps organized 29 296
BHUs and the children with No. of participants in health camps 33,658 49,536
complications were referred to the No. of HHs supported in the - 1,573
stabilization centers established at District construction of latrines
Headquarter Hospitals. No. of community health awareness 877 959
sessions conducted
No. of participants in community 17,825 19,718
In order to prevent further deterioration health sessions
of nutritional status among children,

Social Sector Services 43


Social & Human Protection Programme
The realization in NRSP to have separate poorest persons and families. The
programme and projects for neglected examples of such people are poor
and isolated communities who for various orphans, poor widows, disabled persons,
reasons cannot participate in the beggars, poor persons with chronic
mainstream livelihood activities came diseases, families involved in hazardous
from the experiences with bonded labor. businesses, migrants from villages to cities
Thanks to International Labour in search of a source of income, lost
Organisation (ILO) which gave an children and families who have lost their
opportunity to work for the rehabilitation main bread-earner.
of previously bonded labour families and
families engaged in hazardous businesses NRSP aims at helping the programme
such as glass bangle industry. beneficiaries to come out of present
vicious circle of poverty and humiliation
This realization further intensified when and eventually enter the mainstream
NRSP started working with the families development programme for their
of destitute and neglected children under sustainable development.
the Punjab Government's Socio-
economic Development of Destitute &
Neglected Children Families Project.
Strategy
Through this project, NRSP was exposed
NRSP's experience of working with ILO
to those families whose children either
has greatly helped NRSP in formulating a
beg on roads and in streets or sell petty
policy and preparing some basic strategies
things for their families. These
to deal with such special communities
experiences have led to the formation of
that require social protection. In order to
a separate unit within NRSP to support
test the applicability of learnings from the
ILO projects, NRSP implemented a small
grants programme in its core rural areas.
Through the forum of Local Support
Organizations (LSOs) NRSP identified
the destitute and the poorest families and
provided grant funds to such families and
helped them establish alternative sources
of incomes. This piloting greatly helped
NRSP in learning the dynamics of
working with the destitute and the most
vulnerable families.

The main learning was that such families


not only require financial aid, they also
need counselling, coaching and
handholding support for some initial
period. Without such non-financial
assistance, they are not able to utilize the
financial investment effectively.

Socio-economic Development
of Destitute & Neglected
Children's Families Project
The SDDNCF project is supported by
the Home Department of the Punjab
Government. NRSP and CPWB are the
key implementing partners. The project
aims at creating employment and

44 NRSP's 15th Annual Progress Report 2008-2009


diversifying sources of incomes of 10,250
poor families of destitute and neglected
children by providing skills training,
Income Generating Grants (IGG) and
improved access to services including
microfinance services. The project is
serving in five districts of Punjab
province (Lahore, Rawalpindi,
Gujranwala, Multan and Faisalabad).

The main responsibilities of the CPWB


include identification, rescue and
registration of the street children. NRSP
is responsible for capacity building and
engaging the families of these children in
various income generating activities Public Private Partnership –
through skills training, IGG and End Honour Crimes
microfinance services. As of June 2009,
NRSP has supported 2,669 families as The project aims at eliminating killing
against 3,156 families selected/screened and/or humiliation of women in the
for project interventions (Figure 27). Out name of honour. This is a joint project of
of the total families, 800 families were the National Commission on the Status
supported through IGG, 256 through of Women (NCSW) and the United
vocational trainings and 1,613 families Nations Fund for Women Development
through micro credit (Figure 28). (UNIFEM). NRSP is a main field partner
of the two for the implementation of the
Other Project Highlights project along with Rozan (an NGO). The
NRSP agreement with NCSW is effective
• All data is maintained in the MIS (MS from April 2009. The project duration for
Excel Spread Sheet); the first phase is one year. Major
• Close coordination with the CPWB activities to be undertaken under the
team through participation in project include:
coordination meetings, ceremonies
and daily coordination on project 1) Bench Mark Survey in Rajanpur and
activities; Mirpur Khas
• Trained staff is available for 2) Capacity Assessment of the
expanding the outreach; stakeholders;
• IEC material developed, printed and 3) Capacity building plan and
being used; development of material
• Family counselling and follow up 4) Training of law enforcement
services to the project beneficiaries agencies, judiciary and community
representatives;

Figure 27: Progress under SDDNCF Project (as of June, 2009) Figure 28: SDDNCF Project beneficiaries - Targets vs Achievements (as of June, 2009)

5,841
1800 1613
6,000

1600
5,000 4,462
1400
1094
3,659
4,000 1200
3,156
2,669 1000 800
729
3,000
800 535

2,000 600
256
400
1,000
200

- 0
Intervention Families Selected Families Traced Families CPWB Microcredit Vocational Training IGGs
Completed 2009 for Project Registered with Registrations
Interventions NRSP Targets Acheievements

Social & Human Protection Programme 45


mobilization and creation of
conducive environment;
c) Capacity building for service
providers and civil society
organizations to understand the
specific needs of PWFLs; and
d) Development of linkages of PWFLs
with service providers for variety of
needs.

NRSP identified 6,668 PWFLs through


community organizations. These included
5,830 adults (2,859 being women) and 838
children. NRSP conducted 777
counselling sessions and 36 awareness
5) Provincial and national consultations raising sessions and prepared 3,847
for the formulation of policy rehabilitation plans for the PWFLs. PPAF
recommendations; and consultants provided technical guidance
6) Impact Assessment about project implementation and
training to NRSP staff in community
NRSP in collaboration with the other based rehabilitation approach.
partners has done the necessary
preparatory work for the benchmark Naya Qadam Trust –
survey and capacity assessment. The full Supporting the Peoples with
project implementation will start in the
next financial year. Disabilities (PWDs)
In the backdrop of the earthquake of
Support for People with 2005, NRSP established a workshop to
Functional Limitations (PWFL) provide artificial limbs with the technical
support of Naya Qadam Trust and Jaipur
NRSP implemented this project in 16 Foot India. Based on the learning from
Union Councils of district Bagh and the Jaipur Foot which also provided
Rawalakot with the financial assistance materials and artificial limbs for the
provided by PPAF as a part of earthquake earthquake amputees, NRSP has now
Rehabilitation and Reconstruction (R&R) developed its own capacity to
project. The project had following major manufacture the artificial limbs and
components: accessories locally.

a) Identification and assessment of Last year, Oxfam Novib provided


PWFL financial assistance to NRSP for setting
b) Social empowerment of PWFL and up a mobile workshop. The mobile
their families through social workshop facility is fully equipped. The
permanent workshop established in Sihala
Islamabad along with the mobile
workshop has supported a large number
Table 12: Naya Qadam - detail of achievements as of June 2009 of persons with disabilities. Table 12
provides details of the achievements
Category 2008-09 As of June, 2009
during the year and cumulative:
Patients Registered 790 1,298

Men 580 1,002 Provision of Hearing Aids and


Women 170 246
Services to Community in
Children 40 50
District Bhakkar
Patients Treated 710 1,218

Men 537 959 The poverty ranking exercise of NRSP by


Women 152 228 using Poverty Scorecard has unveiled
Children 21 31
many interesting facts about the
socioeconomic limitations of the

46 NRSP's 15th Annual Progress Report 2008-2009


communities that call for remedial
actions. One such information was
presence of a large number of persons
with hearing deficiencies in UC Litten,
District Bhakkar. NRSP decided to
support such PWFLs by providing
hearing aids through LSO of UC Litten.
For this purpose NRSP carried out an
investigation through medical specialists.
Based on the advice of the specialists,
NRSP provided hearing aid equipment to
132 community members (42 men, 48
women, 28 boys and 14 girls) out of the
total 244 PWFLs. This intervention might
be smaller in terms of number or
investment; it has changed the life of 132
persons enabling them to mainstream into
normal life.

Future plans
NRSP expects to develop more
partnerships with specialized agencies
(such as ILO, Baitul Maal, Save the
Children, Oxfam, Plan International etc)
on social protection to scale up this
programme. The PPAF III and other
coming projects also focus on the
destitute and the extremely poor who
require social protection. The NRSP
management being cognizant of the need
for different packages for such
communities is modifying its existing
products ( such as CIF, Micro Insurance)
and systems to align them to be
compatible with the requirements of the
Social & Human Protection Programme.
Above all, through strategic dialogues and
sensitisation programmes, the SHPP unit
expects the LSOs forum to take a lead
role in empowering the destitute and the
extremely poor.

Social & Human Protection Programme 47


Monitoring, Evaluation & Research
Triggering brainstorming on
key issues
The MER section prepares working paper
and presentations on the basis of
information received for each
sector/region and analyse it before they
are presented in the six monthly
management meetings. This analysis
triggers discussions and helps the
managers identify the areas that require
improvement or the strengths on which
the programme could be further scaled
up. MER section documents the
The MER section in NRSP is responsible proceedings and follows up on the agreed
for: actions. During FY 2008-09, three such
meetings were held. The MER section
a) Developing and maintaining a sound highlighted the need for balancing the
management information system that attention of the management on
produces adequate reports at all microfinance and other sectors.
levels;
b) Developing and implementing base Field Monitoring Visits
line surveys and situational analysis;
c) Field monitoring and data analysis for MER uses field visits to collect empirical
decision making; evidence of the quality and quantity of
d) Evaluating the projects, programmes work. These visits also help to identify
and products; gaps, if any, between the agreed targets,
e) Impact Assessments; processes and expected outputs or
f) Designing and developing new outcomes. With a pragmatic approach,
projects; and MER section contributes to
g) Implementing a selected number of recommendations about changes and
projects for experiential learning and monitors the follow-up of the decisions
replication. thus undertaken.

Monitoring Developing and updating the


through reporting Management Information
and analysis Systems (MIS)
MER plays an active role in assisting the
The MER section produces a Monthly
management in the design and up
Programme Update that consolidates all
gradation of the management
internal reports. This update gives an
information system. In the six monthly
account of each sector, project and
meetings, it highlights the areas for which
scheme of NRSP. Based on the data
additional information is required. MER
received for the update, the MER section
section designs formats and determines
conducts a trend analysis to highlight
the frequency of reporting. It also
“exceptions”. The reporting of
facilitates the IT section to upgrade
“exceptions i.e. under and over
computer based IT programmes. During
achievement from period to period”
the year, major work was done on the
greatly helps the management in taking
development and up-gradation of the
timely decisions. During FY 2008-09 all
Poverty Scorecard MIS that is used in the
the twelve updates were issued with a one
Situation Analysis and baseline surveys of
month lag time.
the new Union Councils. The MIS was

48 NRSP's 15th Annual Progress Report 2008-2009


modified to apply the new Poverty Table 13: Poverty Scorecard Census1
Scorecard designed by the World Bank Funding Source No. of
Districts
based on the PSLM-2005-06 data and is Household

being used in the programme area. The NRSP own Poonch, Kotli, Bagh, Mardan, 799,753
PPAF developed an MIS for the Social Awaran, Panjgur, Bahawalnagar,
Bahawalpur, Bhakkar,
Mobilization Project. MER section Attock, Khanewal, Khushab,
facilitated the PPAF in its design. Mianwali, Multan,
Rahim Yar Khan, Rajanpur,
Rawalpindi, Matiari,
Baseline studies Tando Muhammad Khan,
Nawabshah and Thatta
During the reporting year 106 Situation BISP Mirpurkhas and Mianwali 378,175
Analyses were conducted in 106 Union UCBPRP (GoSindh) Kashmore and Shikarpur 257,988
Councils across Pakistan. The MER
Total 29 1,435,916
section also conducted the Poverty
Scorecard Census for different purposes,
details in Table 13. During the year 2008,
NRSP also carried out a baseline survey Microfinance for Decent Work - Baseline Survey
in collaboration with ILO to collect data
on specific aspects of decent work The sample included 200 microfinance clients from District
2
deficits amongst the microfinance clients Hyderabad and Rawalpindi. The survey report was finalized in
of NRSP in Hyderabad and Rawalpindi. January 2009 and on the basis of the survey results, NRSP
designed an action research project that addresses certain aspect
of decent work and benefits the clients and the local community
Evaluation in urban areas of Hyderabad. Under this action research,
NRSP plans to address child labour issue indirectly through the
During the year, MER conducted 2 provision of micro-insurance (health & death) to additional
evaluations directly and designed 3 members of a client's household. It is expected that extending
evaluation studies which were conducted the coverage to additional uninsured household members will
by the national consultants in close help these families to absorb income shocks. NRSP's proposal
collaboration of the MER. The MER has been accepted and the action research will start from August
section also facilitated the consultants 2009. As a result of this research NRSP hopes to see an
appointed by the Rural Support increase in insured household member, a decrease in the number
Programmes Network (RSPN) who of at-risk children (withdrawn from school to begin work
evaluated NRSP and other RSPs' prematurely), as well a general trend towards decreasing poverty
performance in relation to the overall levels in the sample.
objectives of the RSP movement.

Impact and Portfolio


Table 14: Summary of study conducted by SDPI
Assessment of the Microcredit
Duration Jul 1998 – Nov 2006 June 2000 to June 2007
Programme in the NRSP's
Project • Community Development • Community mobilization
DGK-RDP and BVDP (July 2007 components • Micro-credit • Community Infrastructure
• Physical Infrastructure Schemes
to April 2009) • Capacity building - training • Micro-credit

Project • Credit portfolio assessment • Credit portfolio assessment


NRSP commissioned a study which components • Institutional and impact assessment • Institutional and impact assessment
covered in • Review of financial statements • Review of financial statements
covered two projects namely the Dera the study
Ghazi Khan Rural Development Project
Objectives • To assess the impact
(DGKRDP) and Barani Village of the study • To ascertain money recovered by the • To assess the impact
Development Project (BVDP). NRSP against micro-credit • To ascertain money recovered
advanced to the beneficiary farmers. by the NRSP against micro-credit
Sustainable Policy Development Institute • To do a critical synthesis of the Punjab advanced to the
Economic Research Institute (PERI) beneficiary farmers.
(SDPI) conducted the study. Table 14
shows the summary for the study.

1: Six districts namely Mirpurkhas, Mianwali, Kashmore, Shikarpur, Badin and Thatta were 100% covered. In rest of the districts only selected Union Councils 100% covered.
2: Decent work sums up the aspirations of people in their working lives – their aspirations for opportunity and income; rights, voice and recognition; family stability and personal development; and fairness and
gender equality. Eight aspects of decent work deficiencies are i) productive employment, ii) child labour, iii) working conditions, iv) debt status, v) formalization, vi) equal opportunity, vii) risk management,
viii) association and voice

Monitoring, Evaluation & Research 49


Disaster Risk Management Project
(Formation, Strengthening, and
Institutionalization of Disaster
Management Committees in the Highest
at-Risk Areas of Azad Jamu & Kashmir)
in four Union Councils of District
Muzaffarabad. The principle focus of the
project was developing resilience among
the vulnerable communities for improved
response that would culminate into
marginal human and economic losses in
the event of natural disasters. The project
ended in December 2008 after 16 months
operations. The study was conducted in
April-May 2009 by Mansoor Hasan Khan
Findings (an independent consultant) and covered
the period from September 2007 to
The analysis shows that NRSP has put in December 2008. The study concluded
place all the best practices in terms of that the Project had brought significant
efficiency, productivity, risk management changes as follows:
and transparent financial reporting. Due
to good financial management practices, Change in Knowledge
the fund has been recycled to reach a
maximum number of poor clients. NRSP • The project broadened the
has also demonstrated ability to inculcate knowledge of the target beneficiaries
a culture of good repayment as it has kept with regards to natural hazards and
the default at below 1%. By leveraging the their causes. 84% of the respondents
revolving fund NRSP has created access had better information of natural
for a large number of poor households to disasters compared with 15% at the
micro-credit who would not get it time of baseline.
otherwise without a tangible collateral. • The knowledge of the respondents
about the ways and means to keep
In terms of outcomes of the programme home, schools and community safer
NRSP's micro-credit has shown positive improved from 23% at the time of
results in terms of increasing incomes, baseline to 72%.
generating employment, increasing • The project improved the disaster
women participation, improving nutrition, response/reaction as the number of
health and education respondents who had no knowledge
to react to disasters decreased from
Overall NRSP has managed the available 45% at the time of baseline to 8%.
funds in an effective manner thereby • The project improved information of
increasing the impact of the project the respondents to access to relevant
deliverables. Further, we have no reason institutions for help in the event of
to differ with the PERI assessment of the disasters. The number of
DGKRDP project as it accords closely respondents who did not know any
with our findings. such institution before the project
decreased significantly from 72% to
Community Mobilization for 7%.
Disaster Risk Management Change in Attitude
Project
• The communities, government
Findings of the Post-Project Survey on officials, school teachers and students
Knowledge, Attitude & Practices (KAP) were more concerned now than ever
before (97% after project compared
In the backdrop of the deadliest with70% before project) about the
earthquake 2005, NRSP and Diakonie need of remaining prepared for
implemented a Community Based disaster response.
• 68% change in the attitude of the

50 NRSP's 15th Annual Progress Report 2008-2009


respondents was inferred to the
project interventions including
trainings, awareness raising through
media and community sessions.
• The project has improved the
confidence of the respondents to
react to disasters in an improved way.
The number of respondents who
considered themselves Most Capable
to respond to disasters improved
from 15% (before project) to 40%
(after the project).

Change in Practices
improve exponentially disaster response
• The project had improved the in the event of natural disasters. The
practices of the respondents to project has also enabled NRSP to
undertake measures to make their mainstream the concept of CBDRM into
homes, community, school premises its core programme.
and offices safe from the
disasters.
• The number of respondents who had Future plans
never practiced any protective
measure had decreased by 30% at the The MER's research on poverty census
end of the project. has greatly contributed in the national
• The respondents were practicing level policies for targeting the poor. MER
building safer structures, educating section will conduct more research with
family members, and ensuring that the extremely poor people to design
they have emergency response products and packages that suit them and
equipment with them. help them maintain their self respect and
• Disaster Management committees confidence without isolating them from
(DMCs) were proactive in the mainstream development.
disseminating information about the
importance and means of The IT department of NRSP is
safeguarding the housing developing integrated software to track
structures and many trained DMC micro credit, general finance and
members were reported to have accounts, deposits, Human Resource ,
helped in emergency rescue fixed assets and other administrative
operations in the events of wild fire, procedures. While NRSP has already
landslides and roadside developed sound tracking systems for
accidents. social mobilization and other components
• The practice of remaining in contact of the programme. Based on the
with the departments that deal with information available through the
disaster response had increased and automated system, MER section plans to
59% respondents were regularly in design a system whereby social
contact with such departments performance of each component is
compared with 6% before the start reported regularly just like the quantitative
of project. and financial performance.
• 66% respondents had made efforts
and received information on disaster
management from NRSP, Diakonie
and other relevant departments
compared with 18% before project.

The project has been able to establish


local disaster management and response
structures in the form of DMCs. The
local civil administration has contact
information of trained DMCs that would

Monitoring, Evaluation & Research 51


Improving Transparency
During the FY 2008-09, the Finance & programme. In order to get additional
Accounts (F&A) section further refined assurance for proper compilation of
the Financial Information system to make accounts and transparent reporting, the
it responsive to the needs of different F&A section engaged the following firms
projects. The section developed various for auditing the regional/sectors accounts
tools and management reports to analyse in addition to the consolidated corporate
the programmes and projects accounts.
performance as an add-on to the core
financial ledger system. As NRSP is now a) M/s A. F. Ferguson & CO
involved in the implementation of a b) M/s Ford Rhodes Sidat Hyder &CO
variety of donor-funded projects for c) M/s KPMG Taseer Hadi Khalid &
health, education, family planning and CO
other social sector initiatives, the
requirements of reporting have increased It is satisfying to note that despite having
manifolds. However, due to teamwork of a different superisory capacity and
F&A and the concerned sections, most approach, all the three firms generally
reports were submitted to the donors on found the NRSP systems satisfactory.
time. In the wake of transformation of
NRSP's microfinance operations, the Internal Audit Unit
F&A remained busy throughout the year
in preparing a variety of new reports for During FY 2008-09, the Internal Audit
the potential investors. This helped the (IA) section carried out internal audit of
F&A in raising its level of understanding all NRSP Regional Offices, projects, and
about microfinance from an international sections. In addition to documenting its
perspective. findings and providing regular feedback
about the programme's administrative and
The most important contribution of financial controls, the IA section also
F&A in the management of NRSP has provided technical support to the regions
been its ability to manage fund balances and sectors for preparing them for the
efficiently. For this purpose, the F&A external audit. The Internal Audit unit
successfully managed bank balances carried out various investigations on the
through a website that was developed complaints received from NRSP
internally and in which all regional offices employees and CO members. This greatly
posted their balances on a daily basis. helped the NRSP management in
This greatly helped in managing the cash improving transparency at the field level.
sources efficiently. During the year, NRSP As micro credit portfolio is the largest
had to repay some of the credit lines with asset in NRSP balance sheet, the Internal
a balance of Rs.2 billion which seemed to Audit focused on verifying the
be a uphill task but F&A managed it in compliance of NRSP policies and
the most professional manner. procedures with regards to micro credit
disbursement, collection and reporting.
Transparency in Microfinance
F&A follows best practices in financial
Future plans
monitoring and reporting. F&A realizes
F&A realizes the need to update
that microfiannce can run successfully
operational manuals for consistent
only through a transparent reporting
application of rules and procedures at all
system. To enable transparent reporting,
locations. For this purpose, F&A has
F&A carried out various reconciliations
planned to engage a firm of Chartered
and spot checks of the microfinance
Accountants to consolidate the existing
transactions appearing in the automated
policies and procedures and update them
operations. Along with the substantive
to meet current requirements. F&A is also
checking of transactions, F&A also
participating in developing a new Oracle
followed the C-GAP disclosure guidelines
based integrated software to keep track of
in the prepation of separate accounts for
all financial transactions for more efficient
the microfiannce operations for each
reporting and analysis.
region as well as for the entire

Improving Transparency 53
54
Table 15: Income and Expenditure Account (Pak Rupees 000) for the year ended 30 June 2009
MRD BWP HYD MWI RWP RYK DGK UPAP Aggregate NRSP NRSP
CATEGORIES 2009 2009 2009 2009 2009 2009 2009 2 009 Adjustment 2009 2009 2008

FINANCIAL REVENUE
Income from micro credit activities 91,114,670 701,012,819 58,780,895 139,377,497 107,983,921 58,106,350 80,807,656 290,678 ,616 - 1,527,862,424 1,259,877,220
Other Income 262 22,079,413 18,911 1,227,357 752,330 8,639,746 (11,790,305) 20,927,714
Income from Bank Balances 702,130 38,958,513 1,397,270 1,584,929 2,016,030 2,188,762 1,048,735 4,014,642 39,208,746 91,119,757 116,734,022

Total 91,817,062 762,050,745 60,197,076 142,189,783 109,999,951 61,047,442 81,856,391 303,333,004 27,418,441 1,639,909,895 1,376,611,242
FINANCIAL EXPENDITURE
Head office financial charges 78,904,166 395,853,294 31,773,096 66,769,101 20,393,807 14,341,550 28,095,557 70,046,299 (706,176,870) -

NRSP's 15th Annual Progress Report 2008-2009


Interest on donor financing - - - - - - - - 331,140,658 331,140,658 231,138,587
Interest on bank borrowings 17,914,959 306,514,150 324,429,109 256,045,168

Provision against doubtful debates 224,751,966 37,171,484 490,163 1,870,837 3,010,303 3,672,260 4,607,447 4,879,453 280,453,913 (12,749,775)
Total 303,656,132 433,024,778 32,263,259 68,639,938 23,404,110 18,013,810 32,703,004 87,961,258 (63,642,609) 936,023,680 474,433,980
Financial Margin (211,839,070) 329,025,967 27,933,817 73,549,845 86,595,841 43,033,632 49,153,387 215,371,746 91,061,050 703,886,215 902,177,262

Administrative and other expenses (81,200,398) (202,247,843) (44,332,468) (36,323,194) (73,615,697) (24,394,486) (35,117,441) (173,930,089) 10,891,691 (660,269,925) (666,995,673)

Net (deficit) surplus for the year (293,039,468) 126,778,124 (16,398,651) 37,226,651 12,980,144 18,639,146 14,035,946 41,441,657 101,952,741 43,616,290 235,181,589

Operational Self Sufficiency % 23.86% 118.68% 78.67% 135.50% 113.00% 143.95% 120.70% 110.99% 102.73% 120.38%

Financial Self Sufficiency % 23.86% 106.09% 78.67% 135.50% 113.00% 143.95% 120.70% 92.10% 90.06% 105.00%

Return on Equity (ROE) (1,651.06%) 35.62% (40.95%) 38.50% 4.13% 13.16% 15.40% 16.02% 5.22% 35.82%

Ret urn on Assets (ROA) (46.20%) 3.72% (6.99%) 7.10% 2.82% 6.26% 3.80% 4.54% 0.60% 3.82%

Profit Margin (319.16%) 17.13% (27.24%) 26.20% 11.80% 30.53% 17.15% 14.26% 2.69% 17.08%

Yield on gross loan portfolio 10.43% 23.18% 25.92% 26.70% 25.10% 26.27% 25.46% 34.06% 27.95% 29.00%

Current ratio 0.83% 1.15% 1.22% 1.20% 2.70% 2.70% 1.48% 5.20% 2.76% 2.86%

Funding Expense Ratio 12.17% 13.16% 14.16% 13.20% 4.65% 6.17% 9.59% 10.31% 11.32% 10.27%

PAR Ratio (Over 90 days) 5.00% 2.17% 0.74% 0.50% 0.60% 1.59% 1.47% 0.00% 5.33% 1.11%

Risk Coverage Ratio 100% 75.51% 100% 100% 100% 100% 100% 100% 182.35% 225.00%

Loan officer productivity 196 159 187 226 350 166 341 112 206 197

Personnel productivity 118 178 125 149 199 130 187 96 162 141

Average disbursement loan size 13,929 15,466 11,589 12,678 14,224 15,345 15,685 12,830 14,408 14,090

Average outstanding loan size 9,828 17,433 9,954 8,155 8,032 19,196 16,900 6,866 11,504 12,900

Operating Expenses Ratio 12.5% 7.96% 19.72% 7.20% 16.78% 18.52 11.98% 19.79% 11.87% 13.94%

Cost per borrower 3,145 1,204 2,078 608 1,596 2,342 1,749 1,616 3,306 2,689
Partnership and Linkages
Ongoing linkages
NRSP considers itself as one of the
conduits that enable the communities to
access various goods and services from
Government and Private sector for
reducing poverty and improving quality
of life. On the one hand, NRSP builds
the capacities of the communities to do
many things on their own and access
services directly, while on the other hand,
NRSP assists and facilitates government
departments and other agencies in the
delivery of their services to the target
communities. This role of an implementation of Social Mobilisation
"intermediary" brings the COs, project. The examples of some ongoing
government and private service providers partnerships and linkages include the
in contact with each other. NRSP COs' linkage with NADRA for issuance
organises CO Presidents/Managers of CNICs, with Social Welfare
conferences and LSOs workshops in department by the women COs for
which all the parties are invited. setting up training centers, and with Agri
business solution for accessing funds for
During the year, 722 workshops were agriculture enterprises. These linkages will
organized. NRSP also participated in the have a long-term impact on the
LSO conventions organized by the Rural sustainability and effectiveness of NRSP
Support Programmes Network (RSPN) in programme as well as the quality of
which high-level government officials services being delivered by NADRA and
participated and had the opportunity to other agencies.
discuss issues with the community
representatives. In addition to the general NRSP values the long-term partnership
type of workshops, NRSP also organized with the Pakistan Poverty Alleviation
a number of health camps with the Fund (PPAF), which provides funding
collaboration of District Health Officers; support for a large number of NRSP's
and field days on agriculture in programme districts in all its sectors i.e.
collaboration with the Agriculture Micro Credit, Community Physical
Department in which thousands of Infrastructure, Health, Education,
farmers participated. Disability, Relief and Reconstruction and
now for Social Mobilisaiton. The
The Vocational Training Progarmme partnership with PPAF is not just a
(VTP) presently being managed by matter of funding relationship; both
NRSP-IRM is an excellent example of NRSP and PPAF complement the work
productive linkages between NRSP and of each other through close interaction
the government training institutes at and frequent dialogues.
Federal and Provincial level. NRSP could
not have imparted skills to thousands of The on going partnership with Jamal Din
youth had it not forged these linkages. Wali (JDW) Sugar Mill in Rahim Yar
NRSP is thankful to the government Khan is an excellent example of Civil
training institutes which have adjusted Society – Private Sector Partnershp. This
their programs and operating systems to is a win-win case for both the farmers and
meet the requirements of poor youth the JDW Sugar Mill where the farmers are
who are imparted skills training through able to increase their incomes while the
IRM at these institutes. JDW Sugar Mill is able to get the required
materials for producing sugar. The
During the review year, some new Project has improved the economic
linkages emerged because of the condition of thousands of farming

Partnership and Linkages 55


shared experiences and learning from best
practices that ultimately benefits the
communities.

Formal Contracts /
Partnership Agreements
NRSP is major implementing partner in
the Government of Pakistan funded
development projects that include the
Model Village Project; the Crop
Maximization Project, and the Prime
Minister's Special Initiative for Livestock.
families in 15 Union Councils of District Above all, the Government of Pakistan
Rahim Yar Khan. The Project has has provided the initial capital to NRSP,
expanded from the initial focus on which continues to be a good resource
agriculture to include a range of livestock- for leveraging more funds.
focused activities and most importantly
the support for education sector in the The Government of Sindh has worked
project area. closely with NRSP for the
implementation of various projects on
Since 1997, Habib Bank Limited (HBL) the issue of bonded labour and child
has extended a credit line to NRSP, which labour. During the year, the Sindh
has contributed significantly to fund the Government contracted the
micro credit portfolio. HBL has also implementation of “Sindh Coastal
facilitated the COs in opening bank Community Development Project” in the
accounts and has waived the condition for coastal areas of District Badin and
a minimum balance on those accounts. Thatta.
HBL has also made it possible to exempt
the COs from the deduction of zakat, if NRSP is also working closely with the
they so choose. NRSP also greatly Education Department of the
acknowledges the on-going relationship Government of Balochistan for the
with Habib Bank Limited and The First implementation of Balochistan Education
Women Bank. The First Women Bank has Fund project to expand the educational
also provided a credit line, and provides infrastructure in remotest areas of south
services to women CO members and Balochistan. Similarly, the School Water
UPAP clients. Environment and Sanitation project
(funded by UNICEF) is also being
implemented in close collaboration with
Networking the Education Department in District
Lasbella.
NRSP as the largest member of the Rural
Support Programmes Network (RSPN) During the review year, NRSP worked as
worked on various projects and activities a partner with the Government of the
during the year. NRSP also provided Punjab in the implementation of the
technical assistance and capacity building Sustainable Livelihoods in Barani Areas
support to the smaller RSPs through Project and the Punjab Education Sector
RSPN. Reforms Programme (PESRP).
As a member of the Pakistan During the relief operation for the IDPs
Microfinance Network (PMN), NRSP of Swat and Buner, NRSP worked closely
provided a variety of information to with the Government of NWFP to
PMN to facilitate them in highlighting the provide relief goods to the IDPs in
performance of microfinance sector. Mardan and Swabi.
NRSP also worked as member of the The Government of AJK has always been
International Union for Conservation of more forthcoming in terms of working
Nature (IUCN) during the year and with the communities. Consequenlty,

56 NRSP's 15th Annual Progress Report 2008-2009


NRSP's partnership with AJK has alwatys
been very productive. During the year, in
addition to the ongoing informal linkages,
NRSP also worked with the Govt. of
AJK under various projects, namely
USAID/RISE, USAID/PRIDE,
DfID/Education, UNICEF/Health etc.
The ERRA supported CLRP project is an
excellent example of GoAJK trust in
people as it agreed to work with NRSP
and LSOs to implement the livelihood
project in the earthquake affected areas.

NRSP considers the partnership with


Oxfam Novib as the most effective
mechanism in the form of active COs
relationship that helped NRSP provide
that can be used for many other purposes
livelihood support to a large number of
beyond the project targets. The project
poor households in Muzaffarabad and
will end in 2011 and it is hoped that it
Neelam. At the closure of the project,
would be rated as a successful project.
Oxfam Novib generously transferred the
unspent funds to the LSOs formed by
The status of NRSP's achievements viz a
NRSP as a Community Investment Fund
viz the targets is given in Table 25 in the
(CIF), which has helped the programme
statistical abstract.
sustain even beyond the project life.

Oxfam also supported the setting up of a Sindh Coastal Community


mobile Limbs workshop and Community Development Project
Based Disaster Risk Management Project.
The FAO provided tons of seed and In March 2009, NRSP entered into an
fertilizers to enable families to grow the agreement with the Coastal Development
crops they need. The German NGO Authority, Sindh for the implementation
Diakonie International and NRSP of Sindh Coastal Community
successfully implemented a community- Development Project. The effective date
based Disaster Risk Management project. of project initiation is May 22, 2009 and it
will end on May 21, 2013. The project
Sustainable Livelihoods in area includes Taluka Badin and Shaheed
Fazil Rahu (Badin District) and Taluka
Barani Areas Project (SLBAP) Mirpur Sakro, Shah Bandar, Jati, Kharo
2005-2011 Chhan, Keti Bandar and Ghorabari
(District Thatta).
SLBAP is an initiative of Government of
Punjab to improve the livelihood The project objective is “to improve the
opportunities of the poor rural sustainable livelihoods of the poor
communities in 10 rain-fed (Barani) inhabitants of the eight coastal talukas of
Districts of Punjab. It is a tripartite district Thatta and Badin”.
implementation arrangement where Asian
Development Bank has a major share of The project consists of four major
investment of 75%, and Government of components including 1) Improved
Punjab and Communities with 15% each. Coastal Management 2) Community
Other details have been presented in Development 3) Institutional Capacity
NRSP's Annual Report 2006-07. Under Development and 4) Project
the project, NRSP is mainly responsible Management. The project implementation
for two project components i.e. Targetted involves the District Governments of
Poverty Alleviation Component and Badin and Thatta, Coastal Forest
Literacy through Skills Training. Division, Forest Department, Livestock &
Fisheries Department, NRSP, IUCN,
NRSP has successfully implemented all District Project Implementation Unit,
the components of the project. The Project Management Consultants, District
project has created an effective receiving Line Agencies, COs, VOs and target

Partnership and Linkages 57


Way forward
NRSP believes that forging linkages of
communities with governments and
private agencies is extremely important, as
they are the real actors of development.
NRSP is a conduit, a facilitator and a
change agent. The most important and
sustainable linkages are those that are
built around common interests and
mission of the communities and the
development agencies.

In the days to come, NRSP will put more


emphasis and will invest more time and
beneficiaries. A Project Steering energies on developing such linkages. The
Committee oversees the progress while a examples are NADRA, government
Project Management Unit (PMU) is departments e.g. Agriculture, Health,
responsible for the supervision and Education, NARC, Training Institutes,
implementation of the project activities. Tehsil Municipal Administration, Local
NRSP is responsible for the Community Governments, Chamber of Commerce,
Development component. NRSP has to Private Mills etc. This task is becoming
organize 1,388 Community easier as NRSP has the strength of the
Organizations, provide training to 36,630 federations of COs in the form of Local
community members and complete 815 Support Organisations (LSOs) on its
Small Scale Community Managed back.
Initiatives (infrastructure projects) during
the project life.

As of June 30, 2009, NRSP has


completed the preparatory work to
implement the community development
component. An operational manual and a
field guide have been prepared to
implement the project. NRSP and PMU
have also finalized the format of the
Situation Analysis, which will be used as a
basis to implement the project. The PMU
has also approved a Village Selection
Criteria and Village Resource Mapping
Tool. The NRSP and PMU have also
designed the Reporting Formats to
monitor the project performance.
Though the project implementation has
stared, it will work at full scale during
2009-2010.

As of June 2009, NRSP's achievements


include: village resource mapping in 24
villages against the target of 20,
formation of 24 COs (including 2 women
COs and 4 Mixed COs) and conducted
one Community Management Skills
Training, four NRM-B workshops and
one Activists Workshop.

58 NRSP's 15th Annual Progress Report 2008-2009


Statistical Abstract
as of June, 2009

Statistical Abstract as of June, 2009 59


Table 1. Annual CO Formation by NRSP Regions and Districts, 2008-09

COs formed during the year 2008-09


Province Hub Office District
Men Women Mixed Total
Islamabad/ Rawalpindi 273 1,203 274 1,750
Attock 39 450 - 489
Rawalpindi Chakwal 186 369 72 627
Jhelum 37 47 13 97
Sub Total 53
5 2,069 359 2,963
Khushab 218 690 116 1,024
Bhakkar 253 765 141 1,159
Mianwali
Mianwali 152 219 107 478
Sub Total 623 1,674 364 2,661
AB Lodhran 385 22* - 363
UNJ
P Vehari 142 2 - 144
Bahawalpur 871 2,658 1 3,530
Bahawalpur
Bahawalnagar 1,358 1,395 6 2,759
Rahim Yar Khan 198 1 3 202
Sub Total 2,954 4,034 10 6,998
Rahim Yar Khan Rahim Yar Khan** 45 11 2 58
Sub Total 45 11 2 58
Dera Ghazi Dera Ghazi Khan 184 1,049 3 1,236
Khan Rajanpur 68 924 - 992
Sub Total 252 1,973 3 2,228
Malakand 19 10 - 29
Mardan 27 4 - 31
Charsadda - - - -
FP Malakand Swabi 17 - - 17
NW
Swat - - - -
Buner - - - -
Sub Total 63 14 - 77
Kotli 316 406 324 1,046
Poonch (Rawalakot) 41 124 14 179
K
AJ Muzaffarabad Muzaffarabad 234 207 119 560
Bagh 51 55 10 116
Sub Total 642 792 467 1,901
Badin 46 27 15 88
Hyderabad 6 1 4 11
Tando Muhammad Khan 15 2 4 21
Mirpurkhas 48 - 22 70
DH Hyderabad
SIN
Mitiari 140 64 5 209
Tando Allah Yar - - - -
Nawabshah - - - -
Thatta 17 9 6 32
Sub Total 272 103 56 431
Kech (Turbat) 215 180 60 455
AN Gwadar 12 29 3 44
IST
H Turbat Panjgoor 207 223 59 489
L OC
Awaran 112 154 14 280
BA
Sub Total 546 586 136 1,268
Grand Total 5,932 11,256 1,397 18,585

* Converted into mix and men COs


** Sugarcane Productivity Enhancement Project Area

60 NRSP's 15th Annual Progress Report 2008-09


Table 2. Cumulative CO Formation by NRSP Regions & Districts, as of June 2009

Community Organizations
Province Hub Office District
Men Women Mixed WUAs Total
Rawalpindi Islamabad/ Rawalpindi 1,688 2,086 916 - 4,690
Attock 1,580 1,393 68 - 3,041
Chakwal 1,169 943 200 - 2,312
Jhelum 638 353 57 - 1,048
Sub Total 5,075 4,775 1,241 - 11,091
Mianwali Khushab 1,992 1,587 253 - 3,832
Bhakkar 2,322 1,362 262 - 3,946
Mianwali 781 616 282 - 1,679
Sub Total 5,095 3,565 797 - 9,457
Bahawalpur Lodhran 3,126 389 13 - 3,528
B
NJA Vehari 2,567 163 - - 2,730
PU Bahawalpur 8,608 4,397 99 - 13,104
Bahawalnagar 8,426 1,707 96 - 10,229
Rahim Yar Khan 3,531 1 3 - 3,535
Sub Total 26,258 6,657 211 - 33,126
Rahim Yar Khan Rahim Yar Khan* 1,533 646 3 123 2,305
Sub Total 1,533 646 3 123 2,305
Dera Ghazi Dera Ghazi Khan 2,021 1,433 60 35 3,549
Khan Rajanpur 1,114 1,415 21 - 2,550
Sub Total 3,135 2,848 81 35 6,099
Closed Bahawalpur - BRDP 475 166 28 376 1,045
Sialkot 645 602 53 - 1,300
Sub Total 1,120 768 81 379 2,345
Malakand Malakand 795 302 2 - 1,099
Mardan 1,527 414 - - 1,941
Charsadda 615 63 - - 678
FP Swabi 612 37 - - 649
NW Swat 248 50 - - 298
Buner 19 - - - 19
Sub Total 3,816 866 2 - 4,684
Closed Mardan 117 254 - 937 1,308
Sub Total 117 254 - 937 1,308
Muza ffarabad Kotli 862 874 566 - 2,302
Poonch (Rawalakot) 682 755 204 - 1,641
K
AJ Muzaffarabad 358 360 196 - 914
Bagh 553 583 98 - 1,234
Sub Total 2,455 2,572 1,064 - 6,091
Hyderabad Badin 1,865 481 162 - 2,508
Hyderabad 250 108 59 - 417
Tando Muhammad Khan 327 127 45 - 499
Mirpurkhas 1,646 421 288 - 2,355
Matiari 1,332 575 161 - 2,068
DH Tando Allah Yar 355 63 41 - 459
SIN Nawabshah 25 36 67 - 128
Thatta 605 225 167 - 997
Sub Total 6,405 2,036 990 - 9,431
Closed Sukkur 92 53 1 - 146
Sub Total 92 53 1 - 146
Turbat Kech (Turbat) 805 734 165 - 1,704
AN Gwadar 156 215 11 - 382
HIST
Panjgoor 207 223 59 - 489
L OC
BA Awaran 112 154 14 - 280
Sub Total 1,280 1,326 249 - 2,855
Grand Total (Active) 55,052 25,291 4,638 158 85,139
Closed Regions 1,329 1,075 82 1,313 3,799
Grand Total 56,381 26,366 4,720 1,471 88,938
* Sugarcane Productivity Enhancement Project Area
Statistical Abstract as of June, 2009 61
Table 3. Annual (2008-09) and Cumulative CO Membership

New members between


Cumulative As of June 30, 2009
Province Hub Office District Jul 08-June 09
Men Women Total Men Women Total
Rawalpindi Islamabad/ Rawalpindi 5,945 18,470 24,415 35,454 38,666 74,120
Attock 588 6,292 6,880 28,874 22,532 51,406
Chakwal 3,676 5,895 9,571 24,435 17,496 41,931
Jhelum 703 718 1,421 11,092 6,716 17,808
Sub Total 10,912 31,375 42,287 99,855 85,410 185,265
Mianwali Khushab 4,005 10,580 14,585 35,251 24,503 59,754
Bhakkar 4,628 10,771 15,399 35,664 21,654 57,318
Mianwali 3,599 4,184 7,783 16,494 12,295 28,789
Sub Total 12,232 25,535 37,767 87,409 58,452 145,861
B
NJA Bahawalpur Lodhran 2,808 34 2,842 39,257 3,859 43,116
PU Vehari 1,484 15 1,499 31,922 1,498 33,420
Bahawalpur 9,819 38,579 48,398 94,741 53,492 148,233
Bahawalnagar 13,421 21,851 35,272 90,176 24,569 114,745
Rahim Yar Khan 1,353 15 1,368 36,921 15 36,936
Sub Total 28,885 60,494 89,379 293,017 83,433 376,450
Rahim Yar Khan Rahim Yar Khan* 707 171 878 19,791 5,329 25,120
Sub Total 707 171 878 19,791 5,329 25,120
Dera Ghazi Dera Ghazi Khan 2,166 13,570 15,736 25,246 18,387 43,633
Khan Rajanpur 900 12,651 13,551 15,956 18,326 34,282
Sub Total 3,066 26,221 29,287 41,202 36,713 77,915
Closed Bahawalpur - BRDP - - - 21,702 4,132 25,834
Sialkot - - - 11,554 9,683 21,237
Sub Total - - - 33,256 13,815 47,071
Malakand Malakand 336 111 447 12,819 3,976 16,795
Mardan 328 58 386 22,230 5,249 27,479
Charsadda - - - 8,872 793 9,665
Swabi 237 - 237 8,250 454 8,704
FP Swat - - - 3,878 798 4,676
NW
Buner - - - 269 - 269
Sub Total 901 169 1,070 56,318 11,270 67,588
Closed Mardan - - - 29,976 5,105 35,081
Sub Total - - - 29,976 5,105 35,081
Muzaffarabad Kotli 8,206 8,531 16,737 20,228 19,498 39,726
Poonch (Rawalakot) 677 971 1,648 15,766 17,439 33,205
K Muzaffarabad 5,568 5,430 10,998 9,182 9,799 18,981
AJ
Bagh 1,336 1,198 2,534 11,943 12,624 24,567
Sub T otal 15,787 16,130 31,917 57,119 59,360 116,479
Hyderabad Badin 803 706 1,509 36,877 9,686 46,563
Hyderabad 78 31 109 4,199 1,891 6,090
Tando Muhammad Khan 207 43 250 4,628 1,988 6,616
Mirpurkhas 830 98 928 29,000 9,329 38,329

DH Mat iari 1,242 346 1,588 15,758 7,342 23,100


SIN Tando Allah Yar - - - 4,513 1,100 5,613
Nawabshah - - - 589 703 1,292
Thatta 264 158 422 10,121 4,695 14,816
Sub Total 3,424 1,382 4,806 105,685 36,734 142,419
Closed Sukkur - - - 1,410 826 2,236
Sub Total - - - 1,410 826 2,236
Turbat Kech (Turbat) 4,382 3,134 7,516 19,444 18,029 37,473
AN Gwadar 243 545 788 3,449 5,390 8,839
IST
CH Panjgoor 3,936 4,280 8,216 3,936 4,280 8,216
LO
BA Awaran 1,923 2,913 4,836 1,923 2,913 4,836
Sub Total 10,484 10,872 21,356 28,752 30,612 59,364
Grand Total (Active) 86,398 172,349 258,747 789,148 407,313 1,196,461
Closed Regions - - - 64,642 19,746 84,388
Grand Total 86,398 172,349 258,747 853,790 427,059 1,280,849

* Sugarcane Productivity Enhancement Project Area

62 NRSP's 15th Annual Progress Report 2008-09


Table 4. Annual (2008-09) and Cumulative CO Savings

Savings between
As of June 30, 2009
Province Hub Office District July 08-June 09
Men Women Total Men Women Total

Rawalpindi Islamabad/ Rawalpindi 0.46 1.08 1.54 31.05 11.46 42.51


Attock 1.30 2.85 4.15 71.29 24.82 96.10
Chakwal 0.66 0.53 1.19 57.92 13.01 70.93
Jhelum 0.28 0.23 0.51 12.60 4.69 17.28
Sub Total 2.70 4.69 7.39 172.85 53.97 226.82
Mianwali Khushab 0.29 0.77 1.06 34.37 15.06 49.43
Bhakkar 0.40 0.97 1.38 22.98 4.97 27.95
Mianwali 2.55 0.20 2.75 3.66 1.05 4.71
Sub Total 3.24 1.94 5.18 61.02 21.07 82.09
Bahawalpur Lodhran (18.73) (5.22) (23.94) 61.11 - 61.11
B Vehari (7.64) (0.74) (8.38) 29.49 0.21 29.70
NJA
PU Bahawalpur (43.08) (15.17) (58.25) 129.50 1.70 131.20
Bahawalnagar (0.87) (0.02) (0.89) 115.72 2.05 117.77
Rahim Yar Khan (6.08) 0.00 (6.09) 52.56 - 52.56
Sub Total (76.40) (21.15) (97.55) 388.38 3.96 392.33
Rahim Yar Khan Rahim Yar Khan* (5.40) (1.83) (7.23) 72.41 4.06 76.47
Sub Total (5.40) (1.83) (7.23) 72.41 4.06 76.47
Dera Ghazi Dera Ghazi Khan (5.77) (0.34) (6.11) 25.16 2.98 28.14
Khan Rajanpur (8.85) (2.59) (11.44) 34.69 8.47 43.16
Sub Total (14.62) (2.93) (17.55) 59.85 11.45 71.30
Closed Bahawalpur - BRDP - - - 2.86 0.75 3.61
Sialkot - - - 18.23 5.71 23.94
Sub Total - - - 21.09 6.46 27.55
Malakand Malakand 0.27 0.17 0.44 1.75 1.06 2.81
Mardan 0.29 0.14 0.43 6.97 1.03 8.00
Charsadda - - - 1.03 0.14 1.17
Swabi 0.21 0.02 0.23 1.54 0.05 1.59
FP Swat - - - 0.59 0.12 0.71
NW Buner - - - 0.04 - 0.04
Sub Total 0.77 0.33 1.10 11.92 2.40 14.32
Closed Mardan - - - 2.19 2.24 4.43
Sub Total - - - 2.19 2.24 4.43
Muzaffarabad Kotli 1.33 2.14 3.47 3.31 4.97 8.29
Poonch (Rawalakot) 7.37 2.75 10.12 10.36 8.85 19.21
K Muzaffarabad 0.37 0.40 0.77 1.49 1.85 3.34
AJ
Bagh 0.18 0.14 0.32 2.59 3.90 6.49
Sub Total 9.25 5.44 14.68 17.75 19.58 37.33
Hyderabad Badin 1.32 0.46 1.79 24.35 5.28 29.63
Hyderabad 0.42 0.20 0.62 2.04 1.12 3.16
Tando Muhammad Khan 0.10 0.04 0.14 2.72 1.10 3.82
Mirpurkhas 0.43 0.53 0.96 6.36 1.98 8.33
Matiari 12.44 0.31 12.75 17.81 4.13 21.95
DH Tando Allah Yar - - - 2.40 0.59 2.99
SIN Nawabshah - - - 0.14 0.45 0.59
Thatta 0.25 0.24 0.48 6.62 5.42 12.04
Sub Total 14.96 1.78 16.74 62.45 20.07 82.52
Closed Sukkur - - - 0.85 0.39 1.24
Sub Total - - - 0.85 0.39 1.24
Turbat Kech (Turbat) 0.40 0.43 0.84 4.36 3.24 7.60
AN Gwadar 0.02 0.02 0.04 0.71 0.88 1.59
HIST
C 0.16 0.09 0.25 0.16 0.09 0.25
LO
BA 0.11 0.08 0.19 0.11 0.08 0.19
Sub Total 0.70 0.62 1.32 5.35 4.28 9.63
Grand Total (Active) (64.81) (11.11) (75.92) 851.97 140.85 992.82
Closed Regions 0.00 0.00 0.00 24.13 9.09 33.22
Grand Total (64.81) (11.11) (75.92) 876.09 149.94 1,026.0

* Sugarcane Productivity Enhancement Project Area

Statistical Abstract as of June, 2009 63


Table 5. MEDP Programme-Level Disbursement

Programme Activities As of June, 2008 During 2008-09 As of June 2009

Total Disbursement (Rs.) 24,486,089,969 7,116,173,674 31,602,263,643


Disbursement to Men 20,155,071,828 5,537,455,674 25,692,527,502
Disbursement to Women 4,331,018,141 1,578,718,000 5,909,736,141
Average Disbursement to Men 14,979 16,752 15,329
Average Disbursement to Women 11,776 14,440 12,386
Total Loans (1+2+3+4) 1,713,348 439,892 2,153,240
Loans to Men 1,345,562 330,559 1,676,121
Loans to Women 367,786 109,333 477,119
1. Agricultural Inputs (Rs.) 15,423,677,464 4,954,681,137 20,378,358,601
Disbursement to Men 15,122,898,748 4,881,568,437 20,004,467,185
Disbursement to Women 300,778,716 73,112,700 373,891,416
Sub total Agricultural Loans 1,017,065 294,174 1,311,239
Loans to Men 982,251 288,900 1,271,151
Loans to Women 34,814 5,274 40,088
Average Loan Size (Rs.) 15,165 16,843 1,311,239
2. Livestock Development (Rs.) 4,094,253,500 854,114,546 4,948,368,046
Disbursement to Men 2,397,185,800 338,422,146 2,735,607,946
Disbursement to Women 1,697,067,700 515,692,400 2,212,760,100
Sub total Livestock Development Loans 319,636 57,424 377,060
Loans to Men 180,293 21,774 202,067
Loans to Women 139,343 35,650 174,993
Average Loan Size (Rs.) 12,809 14,874 377,060
3. Enterprise Development (Rs.) 4,861,045,489 1,306,826,991 6,167,872,480
Disbursement to Men 2,536,004,614 316,954,091 2,852,958,705
Disbursement to Women 2,325,040,875 989,872,900 3,314,913,775
Sub total Enterprise Development Loans 371,246 88,260 459,506
Loans to Men 178,072 19,854 197,926
Loans to Women 193,174 68,406 261,580
Average Loan Size (Rs.) 13,094 14,807 459,506
4. Small Infrastructure Individual Enterprise (Rs.) 107,113,516 551,000 107,664,516
Disbursement to Men 98,982,666 511,000 99,493,666
Disbursement to Women 8,130,850 40,000 8,170,850
Sub total SIIE Loans 5,401 34 5,435
Loans to Men 4,946 31 4,977
Loans to Women 455 3 458
Average Loan Size (Rs.) 19,832 16,206 5,435
No. of COs and Credit Groups Availing Loans (Cumulative) 112,738 - 112,738
Men’s COs/Credit Groups 62,652 26,467 89,119
Women’s COs/Credit Groups 47,560 68,675 116,235
Mixed COs 2,526 1,552 4,078

64 NRSP's 15th Annual Progress Report 2008-09


Table 6. Annual UPAP Credit Disbursement 2001 – 2009

As of As of As of As of As of As of As of As of As of
June June June June June June June June June
2001 2002 2003 2004 2005 2006 2007 2008 2009

Total No. of Credit Cases 4,996 10,804 19,866 35,986 63,493 102,156 159,442 270,597 380,155

Loan Cases of Men 85 89 89 89 56 89 89 89 89


Loan Cases of Women 4,911 10,715 19,777 35,897 63,437 102,067 159,353 270,508 380,066

Total Amount Due (Rs. M) 36.29 75.8 147.94 267.38 482.49 813.16 1,588.83 2,940.22 4,806.74

Total Amount Recovered 30.06 75.56 147.73 267.17 482.28 812.95 1,588.83 2,940.22 4,806.74

Recovery Rate (%) 99 99.69 99.69 99.92 99.96 99.97 100 100 99.97
No. of Groups Formed 1,030 2,315 3,964 6,893 10,744 15,933 24,064 44,027 53,977

No. of Credit Cases 4,996 10,804 19,866 35,986 63,493 102,156 159,442 270,597 188,152

Total Credit Disbursed (Rs. M) 52.14 112.43 205.87 368.57 649.54 1,071.76 1,844.61 3,459.18 4,877.32

Total amount Recovered


40.42 84.61 165.25 300.24 544.17 918.95 1,588.83 2,940.22 4,806.74
(Rs. M) from 3 Sources

Total Principal Recovered 36.06 75.56 147.73 267.17 482.28 812.95 1,398.96 2,541.78 4,131.52
Total Service Charges Recovered 4.36 0.01 14.49 33 61.82 105.91 189.75 398.20 674.70

Total Excess Recovered 0.01 0.02 0.04 0.05 0.07 0.09 0.12 0.25 0.53
Principal Balance (Rs. M) 16.08 36.87 58.14 101.4 167.26 258.81 445.64 917.41 745.47

Current Cases 2,465 5,703 8,952 15,733 23,921 36,020 53,388 104,622 108,268

Closed Cases 2,531 5,101 10,914 20,253 39,572 66,136 106,054 165,975 271,823
Cumulative Recovery Rate (%) 99 99.69 99.86 99.62 100 100 100 100 99.97
On time Recovery Rate (%) 99 99.71 99.97 100 100 100 100 100 99.92

Statistical Abstract as of June, 2009 65


Table 7. NRSP – IRM Staff Training Programme Participants

During 2008 -2009 Cumulative As of June 2009


Training Course
Men Women Total Men Women Total

Audio Visual training - - - 14 1 15


Administration & Logistic Management - - - 22 - 22
Calculating sustainability Indicators Workshop - - - 18 1 19
Career Counseling and Job Hunting 32 - 32 32 - 32
Client Appraisal Techniques - - - 68 14 82
Communication & Presentation Skills 28 8 36 454 179 633
Computer Training - - - 378 46 424
Computerized Design of Drinking Water Supply Schemes - - - 12 - 12
Conflict Management - - - 37 11 48
Credit Appraisal - - - 117 32 149
Credit Appraisal & Recovery Techniques - - - 739 286 1,025
Design & Organization Of Training Events - - - 13 6 19
Developing Core Competencies (Writing & Speaking Skills) 40 10 50 130 21 151
Disaster Response Management 45 - 45 98 16 114
Driver 1st Aid, Road Safety & Attitudinal Training - - - 115 3 118
Enterp rise Development Programme - - - 61 16 77
Environment & NRM - - - 56 27 83
Executive Diploma in English Language Proficiency 30 1 31 128 21 149
External Training 10 4 14 44 22 66
Film Making - - - 71 4 75
Finance and Accounts 51 6 57 359 22 381
First Aid Training - - - 64 6 70
Global Environmental Fund Programme - - - 446 12 458
Gender and Development 20 1 21 309 178 487
General Training 136 22 158 984 260 1,244
HRD Committee Meeting 12 1 13 70 22 92
Institutional Building at the Grassroots 66 20 86 345 152 497
Leadership Management Development 55 13 68 219 41 260
Loan Portfolio Management 16 - 16 74 8 82
Logical Framework Analysis - - - 8 3 11
Micro Credit - - - 337 49 386
Monitoring & Evaluation of CPIs - - - 55 13 68
Office Equipment Trai ning 85 6 91 181 15 196
Operational Risk Management - - - 55 6 61
Orientation Training Workshop (Subject Specific) 205 78 283 1,300 341 1,641
Orientation Training Workshop (Field Staff) 158 103 261 362 147 509
Orientation Training Workshop (Interns) 70 25 95 1,205 577 1,782
Orientation Training Workshop (Management Team) - - - 80 6 86
Orientation Training Workshop (Support Staff) - - - 39 2 41
Participatory Rural Appraisal - - - 120 18 138
Planning Workshop - - - 581 184 765
Post Graduate Diploma in Human Resource Management - - - 7 6 13
Post Graduate Diploma in NGO & Leadership Management - - - 8 2 10
Profile for Achieving Creativity & Techniques ( PACT ) - - - 35 18 53
Project Cycle Management-PCM 27 1 28 61 9 70
Refresher Workshops 10 13 23 3,058 2,274 5,332
RSP Orientation 1 10 11 569 172 741
Sectoral Training 13 8 21 231 69 300
Seminars & Workshops 130 25 155 1,069 369 1,438
Social Appraisal Techniques - - - 21 2 23
Social Organization Training 345 135 480 984 346 1,330
Strategic Human Resource Management - - - 328 152 480
Strategic Human Resource Management - - - 6 3 9
Study Visits - - - 49 8 57
Sustainable Community Management - - - 68 19 87
Teacher Training (PLAN International) - - - 2,719 2,946 5,665
Time Management - - - 79 14 93
Train The Trainer - - - 11 2 13
Training for Mobile Credit Officers of ADBP - - - 17 2 19
Training Needs Assessment 27 13 40 146 85 231
Training of Monitors - - - 9 6 15
Training of Trainers 16 6 22 272 110 382
Training of Trainer (Subject Specific) 160 66 226 1,158 377 1,535
Women Leadership Programme - 36 36 - 73 73
Write Shop 66 22 88 182 53 235

Total 1,854 633 2,487 20,887 9,885 30,772

66 NRSP's 15th Annual Progress Report 2008-09


Table 8. NRSP – IRM Community Training Programme Participants

During 2008 -2009 As of June 2009


Men Women Total Men Women Total

Community Management Training Program


Activist Capacity Enhancement Workshop - - - 99 7 106
CAAP - - - 318 48 366
Credit Book Keeping 21 19 40 3,966 1,219 5,185
CMST Basic 3,486 5,062 8,548 35,444 18,441 53,885
CMST Advanced - - - 42 1 43
CMST for non-literate CO members - - - 13 43 56
Financial Management 373 433 806 4,733 2,293 7,026
General Training 742 241 983 1,174 637 1,811
Leadership & Management Skills Training 67 18 85 657 125 782
Nazim & Councilors - - - 67 75 142
Skills for Rural Marketing 35 5 40 71 117 188
Social Mobilization Training 107 328 435 374 668 1,042
Life Skills Passport to Success 85 111 196 149 111 260
1,710 48 1,758 1,710 48 1,758
Sub Total 6,626 6,265 12,891 48,817 23,833 72,650
Natural Resources Management Training Program
Bee Keeping - - - 656 32 688
Agriculture Training 15 40 55 1,013 47 1,060
Bee Keeping Advance - - - 84 - 84
Commercial Poultry - - - 202 125 327
Cotton Protection - - - 1,424 12 1,436
Crop Production - - - 946 16 962
Date Post Harvest Processing - - - 196 19 215
Fuel Efficient Stove Making - - - 715 3,826 4,541
Fish Farming - - - 48 - 48
Food Processing Advanced - - - - 41 41
Food & Nutrition - - - 11 44 55
Integrated Pest Management Manual Development - - - 79 13 92
Livestock Management 57 1,207 1,264 2,806 6,198 9,004
Livestock Management Advanced - - - 112 35 147
Livestock Specialist - - - 3,004 24 3,028
Livestock Specialist Advanced 104 5 109 800 5 805
Nursery Raising - - - 222 42 264
Off Season Vegetable Production - - - 82 94 176
Orchard Development - - - 21 - 21
Pest Scouting - - - 359 6 365
Plant Protection and Production - - - 256 - 256
Poultry Specialist 69 188 257 993 2,480 3,473
Rice Cultivation - - - 152 - 152
Rodent Con trol - - - 23 11 34
Sloppy Land Agriculture Technology - - - 48 31 79
Tobacco Production - - - 27 - 27
Use of Fertilizer - - - 26 - 26
Vegetable Production 18 51 69 1,798 1,720 3,518
Water Management - - - 86 12 98
Wheat Production - - - 374 - 374
W ild Boar Management - - - 552 - 552
Agronomic Practices - - - 77 - 77
Sugarcane Growing Technology - - - 155 - 155
Livestock Epidemic Prevention - - - - 87 87
Organic Farming - - - 14 - 14
Integrated Pest Management - - - 28 - 28
General Training 15 - 15 103 19 122
Maize Production - - - 16 - 16
Sub Total 278 1,491 1,769 17,508 14,939 32,447
Social Sector Training Program
Epidemic Prevention - - - 34 1 35
First Aid Training - - - 136 82 218
Family Planning Orientation - - - 70 117 187
Flood Rescue - - - 12 - 12
Health & Sanitation - - - 319 97 416
Traditional Birth Attendant Training - 155 155 - 1,726 1,726
Teachers Training 179 32 211 1,354 1,590 2,944
Village Education Committee 8,155 1,918 10,073 18,349 5,299 23,648
School Health Services - - - 10 27 37
Lady Health Workers Training (DFID) - - - 373 936 1,309
School Management Skill Training (PESRP) Step 1(2 Days) - - - 1,291 893 2,184
School Management Skill Training (PESRP) Step 2 (2 Days) - - - 154 109 263
School Management Skill Training (PESRP) (4 Days) - - - 3,001 2,212 5,213
Refreshers School Management Committee (SMC) - - - 1,729 1,428 3,157
Sub Total 8,334 2,105 10,439 26,832 14,517 41,349

Statistical Abstract as of June, 2009 67


During 2008 02009 As of June 2009
Men Women Total Men Women Total

Physical Infrastructure & Technology Development


Pipe Fitting & Water Purification - - - 3,079 322 3,401
Community Infrastructure Training - - - 728 4 732
CPI Workshop 32 - 32 1,055 39 1,094
CAAP for I ntegrated Projects 42 - 42 337 18 355
Other Training (O&M for CPIs) 348 90 438 9,789 451 10,240
Sub Total 422 90 512 14,988 834 15,822
Enterprise Development Training Program
Candy Floss Machine Training - - - 3 - 3
Use of Olive Seed as Micro Enterprises - - - 4 - 4
Business Management Skill Training - - - 367 404 771
Rope Making - - - 3 - 3
Enterprise Development Training 15 3 18 1,066 844 1,910
Sub Total 15 3 18 1,443 1,248 2,691
Vocational Training
A/c & Ref. 199 - 199 1,226 - 1,226
Auto Electrician 39 - 39 619 - 619
Auto Mechanic 57 - 57 1,109 - 1,109
Beautician - 204 204 12 479 491
Call igraphy - - - 23 6 29
Carpentry - - - 225 - 225
Carpet Making - - - 7 4 11
Civil Surveyor 168 - 168 591 - 591
Computer (Basic) 320 47 367 2,005 306 2,311
Dress Designing - - - 1 - 1
Driving 47 - 47 264 - 264
Dry Cleaning - - - 1 - 1
Electrician 249 - 249 2,417 - 2,417
Electronic (Dish Antenna, Radio) - - - 24 - 24
Embroidery 7 464 471 60 1,920 1,980
Fabric Printing 15 97 112 51 1,700 1,751
Football Apprentice - - - 28 276 304
Glass Painting - - - - 31 31
Greeting Card - - - - 7 7
Hand Pump Maintenance - - - 15 - 15
Jam Making 4 121 125 30 976 1,006
Knitting - - - 5 66 71
Machinist - - - 147 - 147
Motor Cycle Repair 160 - 160 275 - 275
Macramé Making 3 55 58 3 73 76
Paper Making - - - 26 15 41
Peter Engine Repair - - - 805 - 805
Plumb ing 136 - 136 1,806 - 1,806
Radio Repair - - - 5 - 5
Steel Fixer - - - 6 - 6
Shurbat Making - - - 48 938 986
Teacher Training Vocational - - - - 21 21
Tubewell Maintenance - - - 11 - 11
TV/VCR Repair - - - 283 - 283
Tie & Dye 17 2,122 2,139 341 8,655 8,996
Welding 115 - 115 1,036 - 1,036
Vaseline Making - 213 213 2 2,324 2,326
Tailoring (Advanced) 5 3 8 103 119 222
Tailoring (Basic) 246 338 584 1,533 3,750 5,283
Masonry Training - - - 143 - 143
Book Binding - - - 27 449 476
House Hold Appli ances 18 - 18 286 283 569
Shop Keeping - - - 113 11 124
Industrial Electronics - - - 4 - 4
Mechanical Draftsman - - - 3 - 3
Civil Draftsman - - - 7 - 7
CNC Operator - - - 4 - 4
Excavator Operators Course - - - 262 - 262
Mobile Set (Cell Phone) Rep air 571 - 571 2,127 - 2,127
Air Line Basic Course - - - 12 1 13
Basket Making (Voc 0 B) - - - - 38 38
Shovel / Bulldozer Operator - - - 138 51 189
CNG Kit Repairing - - - 47 - 47
Motor Winding 27 - 27 179 - 179
Papier0mâché - - - 2 87 89
Computer ( Advanced) 171 1 172 365 1 366
Wheel Loader Operator Training - - - 16 - 16
Handlooms Training - - - 242 150 392
General Training (Voc0B) 40 198 238 373 594 967
Mobile Set (Cell Phone) Repairing(Adv) - - - 1 - 1
UPS Repair 10 - 10 17 - 17
Patch Work - - - - 80 80
Sub Total 2,624 3,863 6,487 19,511 23,411 42,922

68 NRSP's 15th Annual Progress Report 2008-09


During 2008 -2009 As of June 2009
Men Women Total Men Women Total

Occupational Training
Candle Making 11 335 346 631 4,294 4,925
Surf & Soap Making 26 14,463 14,489 1,114 31,685 32,799
Tailoring (Professional) 81 2,168 2,249 331 11,069 11,400
Tailoring (Advanced) - - - - 327 327
Sub Total 118 16,966 17,084 2,076 47,375 49,451
Seminars
Seminar - - - 159 173 332
Sub Total - - - 159 173 332
Refreshers
CMST - 42 42 674 535 1,209
CMST for non0literate CO members - - - 2 3 5
Bee Keeping - - - 145 20 165
Family Planning Orient ation - - - - 97 97
Livestock Management - - - 316 39 355
Livestock Specialist - - - 1,355 650 2,005
LMST - - - 21 4 25
NRM Training - - - 4,761 1,348 6,109
Pest Scouting - - - 26 - 26
Plant Production & Protection - - - 13 - 13
Poultry Specialist - - - 42 36 78
Social Sector Training - - - 15 112 127
TBA Training - - - - 184 184
Teacher Training - - - 123 201 324
General Training 136 60 196 136 101 237
Village Education Committee - - - 144 82 226
Sub Total 136 102 238 7,773 3,412 11,185
Activist Workshops
Sub Total 15,099 16,864 31,963 90,255 37,396 127,651
Subject Specialist Workshop
SSW 216 240 456 32,334 11,156 43,490
NRM 10,351 5,882 16,233 49,022 18,724 67,746
SSS 5,940 9,934 15,874 9,236 19,580 28,816
Sub Total 16,507 16,056 32,563 90,592 49,460 140,052
Appropriate Technology
Appropriate Technology - - - 160 - 160
Total - - - 160 - 160
Exposure Visit
Exposure Visit 215 1,517 1,732 1,476 1,862 3,338
Sub Total 215 1,517 1,732 1,476 1,862 3,338
Capacity Building Support to LGO 2001
CCB0M - - - 18,590 2,116 20,706
PCM - - - 813 40 853
Sub Total - - - 19,403 2,156 21,559
World Bank 0 JSDF Project
Mas ter Skill Builder World Bank0JSDF/RSPN 23 573 596 1,663 2,409 4,072
Master Skill Labour World Bank0JSDF/RSPN 225 19 244 3,647 19 3,666
Sub Total 248 592 840 5,310 2,428 7,738
PPAF – Relief and Rehabilitation Project
Mason - - - 2,724 - 2,724
Carpenter - - - 1,423 - 1,423
Steel Fixer - - - 600 - 600
Block Maker - - - 84 - 84
Orientation for House Owners - - - 26,713 - 26,713
Craftsman (Carpenters) in Timber Frame Const ruction 3,099 2,826 5,925 3,976 3,472 7,448
Disaster Management Committee 601 189 790 997 435 1,432
Training of Volunteers 435 500 935 954 1,062 2,016
Sub Total 4,135 3,515 7,650 37,471 4,969 42,440

Grand Total 54,757 69,429 124,186 383,774 228,013 611,787

Statistical Abstract as of June, 2009 69


Table 9. Physical Infrastructure Schemes, as of June, 2009 by Direct Input (PPAF & others)

Total House Disbursement Donor Community Total


Schemes Holds to CO (Rs) Contribution Contribution Cost(Rs)
SCHEMES INITIATED ( By Type)
Drinking Water Supply 2,043 94,402 312,233,324 319,058,744 88,107,001 407,165,745
Agriculture 2,991 95,123 798,771,140 813,361,562 325,831,899 1,139,193,461
Communication 883 108,681 252,979,418 256,121,299 66,265,859 322,387,158
Sewerage and Drainage 992 202,410 568,464,708 580,962,978 129,969,090 710,932,068
Others 239 53,175 70,595,237 72,075,780 16,148,108 88,223,888

TOTAL 7,148 553,791 2,003,043,827 2,041,580,363 626,321,957 2,667,902,319


SCHEMES COMPLETED (By Type)
Drinking Water Supply 1,983 92,051 307,645,286 310,069,923 86,242,173 396,312,096
Agriculture 2,930 92,528 794,229,923 804,281,395 321,846,841 1,126,128,236
Communication 874 106,171 249,988,499 251,537,635 65,222,517 316,760,152
Sewerage and Drainage 977 198,841 556,868,701 559,222,211 128,647,732 687,869,943
Others 226 52,406 65,555,687 65,852,196 15,663,673 81,515,869

TOTAL 6,990 541,997 1,974,288,096 1,990,963,360 617,622,936 2,608,586,295

Table 10. Physical Infrastructure Schemes during 2008-09 by Direct Input (PPAF & other)
Total House Disbursement Donor Community Total
Schemes Holds to CO (Rs) Contribution Contribution Cost(Rs)
SCHEMES INITIATED ( By Type)
Drinking Water Supply 103 6,039 22,964,648 22,153,597 3,269,442 25,423,039
Agriculture 172 4,941 50,372,728 35,779,684 10,597,375 46,377,059
Communication 35 4,671 10,391,300 9,489,142 2,080,607 11,569,749
Sewerage and Drainage 45 5,379 66,439,425 25,634,809 2,841,171 28,475,980
Others 30 1,469 16,312,425 15,811,952 746,169 16,558,121

TOTAL 385 22,499 166,480,526 108,869,184 19,534,764 128,403,948


SCHEMES COMPLETED (By Type)
Drinking Water Supply 134 6,462 25,975,724 27,045,063 4,103,310 31,148,373
Agriculture 252 11,229 55,066,192 55,851,411 13,813,839 69,665,250
Communication 63 4,949 17,381,808 17,709,300 2,175,002 19,884,302
Sewerage and Drainage 74 11,867 131,435,184 131,488,856 7,186,576 138,675,432
Others 36 1,321 11,639,425 11,860,400 366,141 12,226,541

TOTAL 559 35,828 241,498,333 243,955,030 27,644,868 271,599,898

Table 11. Physical Infrastructure Schemes as of June, 2009 by Direct Input, Linkages & Credit
Total House Disbursement Donor Community Total
Schemes Holds to CO (Rs) Contribution Contribution Cost(Rs)
SCHEMES INITIATED ( By Type)
Drinking Water Supply 2,645 121,151 364,636,879 398,093,966 100,813,765 498,907,731
Agriculture 9,114 112,733 921,935,576 964,691,345 484,531,546 1,449,222,891
Communication 1,061 118,262 276,812,964 301,675,606 74,442,606 376,118,212
Se werage and Drainage 1,223 203,930 572,923,729 585,422,699 131,035,195 716,457,894
Others 6,221 290,675 667,524,078 708,182,473 151,409,300 859,591,773

TOTAL 20,264 846,751 2,803,833,226 2,958,066,089 942,232,412 3,900,298,500


SCHEMES COMPLETED (By Type)
Drinking Water Supply 2,468 113,726 340,333,513 346,770,281 97,675,113 444,445,394
Agriculture 8,935 106,396 908,964,211 935,526,426 478,258,148 1,413,784,574
Communication 934 110,645 256,420,738 258,527,368 68,863,916 327,391,284
Sewerage and Drainage 1,208 200,361 561,327,722 563,681,932 129,713,837 693,395,769
Others 6,174 283,204 654,310,291 684,688,235 147,431,730 832,119,965

TOTAL 19,719 814,332 2,721,356,475 2,789,194,242 921,942,744 3,711,136,985

70 NRSP's 15th Annual Progress Report 2008-09


Table 12. Physical Infrastructure Schemes during 2008-09 by Direct Input, Linkages & Credit

Total House Disbursement Donor Community Total


Schemes Holds to CO (Rs) Contribution Contribution Cost(Rs)
SCHEMES INITIATED ( By Type)
Drinking Water Supply 209 8,534 26,262,313 29,390,860 4,406,522 33,797,382
Agriculture 319 8,641 58,143,630 54,668,088 12,945,565 67,613,653
Communication 152 9,768 27,767,641 48,001,151 6,591,643 54,592,794
Sewerage and Drainage 45 5,379 66,439,425 25,634,809 2,841,171 28,475,980
Others 2,221 55,836 97,252,263 101,996,460 1,682,429 103,678,889
TOTAL 2,946 88,158 275,865,272 259,691,368 28,467,330 288,158,698
SCHEMES COMPLETED (By Type)
Drinking Water Supply 134 6,462 25,975,724 27,045,063 4,103,310 31,148,373
Agriculture 286 11,263 55,066,192 55,851,411 14,364,839 70,216,250
Communication 63 4,949 17,381,808 17,709,300 2,175,002 19,884,302
Sewerage and Drainage 74 11,867 131,435,184 131,488,856 7,186,576 138,675,432
Others 2,216 54,901 88,096,859 87,891,122 586,141 88,477,263
TOTAL 2,773 89,442 317,955,767 319,985,752 28,415,868 348,401,620

Table 13. Region-Wise CPI Implementation as of June, 2009 (By Direct Input)

No. of House Approved CO Schemes


Regions holds Disbursement Total Cost
Schemes Cost Contribution Completed
Bahawalpur 2,018 210,442 602,759,564 609,863,073 187,411,288 797,274,361 1,981

Rawalpindi 1,078 66,444 249,704,526 257,314,573 91,633,501 348,948,074 1,018

Hyderabad 863 47,811 213,259,615 215,795,108 34,369,143 250,164,251 855

Mardan 1,012 46,661 255,049,629 261,633,525 65,392,671 327,026,196 977

Mianwali 613 43,889 72,951,085 74,764,572 22,448,832 97,213,404 600

Turbat 413 89,594 181,648,201 184,489,939 46,227,406 230,717,344 411

D.G.Khan 782 31,251 294,399,057 296,995,079 121,477,272 418,472,351 780

Muzaffarabad 291 8,419 99,008,936 102,240,875 41,135,821 143,376,696 291

Rahim Yar Khan 78 9,280 34,263,214 38,483,619 16,226,023 54,709,642 77

Total 7,148 553,791 2,003,043,827 2,041,580,363 626,321,957 2,667,902,319 6,990

Statistical Abstract as of June, 2009 71


Table 14. Cumulative Achievements of ENRM Sector as of June, 2009

Quantity Households benefited


Activities During As of June During As of June
2008-09 2009 2008-09 2009

Improved seed arranged (Kg) 60,081 3,137,487 3,709 124,833


Fertilizer bags purchased and distributed 20,544 812,915 743 62,266
Pesticides purchased and distributed (Kg) - 563,911 - 19,155
Poultry ‘units’ (5 hens and 1 rooster) purchased and distributed 366 271,623 62 22,205
Forest saplings purchased and distributed - 936,312 - 35,950
Fruit saplings purchased and distributed 21,918 438,149 1,271 32,669
Orchards established 50 1,682 50 953
Saplings raised - 8,842,909 - 8,905
Nurseries established - 279 - 4,787
Guidance/ demonstration plots established 32 5,198 125 75,384
Animals vaccinated 152,637 5,251,852 5,925 545,811
Poultry chicks vaccinated 16,859 1,699,234 588 268,121
Villages receiving soil testing - 955 - 1,065
Units of agri - machinery supplied - 352 - 1,791
Agriculture workshop/field days held 266 3,888 9,979 87,144
Livestock works hops/field days held 957 3,933 5,594 41,217
Poultry workshop/field days held 16 584 415 6,209
Breed improvement bulls purchased - 673 - 691
Forestry workshop/field days held - 23,723 - 2,165
Urea Mineral Molasses Blocks purchased and distributed - 69,892 - 6,134
Bucket kit/ Abairee kits purchased and distributed - 2,000 - 1,902
Mini Dams established - 366 - 972
Dug wells - 1,867 - 2,806
Drip irrigation systems installed 26 55 22 55
Ponds - 534 - 1,575
Large animals de - wormed 38,552 254,766 6,612 22,188
Small animals de - wormed 46,487 135,219 3,623 14,296
Artificial Insemination containers purchased and distributed - 687 - 405
Biogas plants installed 133 160 133 160
Energy Efficient Stoves purchased and distributed 308 955 188 955
Effective Micr o - organism Fermentors purchased and distributed - 2 - 2
IPM Pest Control Card distributed - 357 - 157
SALT Model activities - 28 - 28
Solar Geyser 160 160 160 160
Solar LED light units installed 150 479 183 401

72 NRSP's 15th Annual Progress Report 2008-09


Table 15. PESRP Phase I Achievements, as of June, 2009

Social Mobilization Total Target Total Achievement % Achievement


Total Schools 1,649*
Girls Primary schools 770
Boys Primary Schools 816
Masjid Maktib Schools 34
Girls Elementary Schools 24
Boys Elementary Schools 5
School Council Reorganized 1,250 1,250 100%
School Council Notified 1,250 1,250 100%
Initial SBAP needs collected from Community -I 1,650 1,650 100%
as e
SBAP with Cost Estimates Prepared Ph 1,641 1,641 100%
SBAP Submitted to DG 1,641 1,641 100%
Funds Released in # of Schools 1,641 1,641 100%
Amount of Funds released 288,749,569
SBAP Work Initiated 1,641 1,641 100%
SBAP Work Completed 1,641 1,618 98%
Initial SBAP needs collected from Community II 1,650 1,640 99%
SBAP with Cost Estimates Prepared ase 1,618 1,608 99%
Ph
SBAP Submitted to DG 1,618 1,595 99%
Funds Released in # of Schools 1,618 1,528 94%
Amount of Funds released 233,144,082
SBAP Work Initiated 1,618 1,400 91%
SBAP Work Completed 1,618 1,000 71%
Regular SC meetings held 48,884
Trainings
SC Members trained 6,600 7,267 110%
SC Members trained (SC Refresher) 3,300 3,130 94%
Teachers trained In Teaching Skills 4,811 4,707 98%

* One School Was merged in another School

Table 16. Adult Literacy Movement Programme as of June, 2009

No. of Groups in Functional No. of Graduates


Region District
Literacy Programmes Men Women Total

Rahim Yar Khan Rahim Yar Khan 159 486 1,749 2,235
Mardan 119 36 3,090 3,126
Malakand 104 10 2,427 2,437
Swat 105 156 2,293 2,449
Mardan Swabi 102 - 2,559 2,559
Rawalpindi Attock 71 22 1,842 1,864
Bahawalpur Bahawalpur 105 546 1,825 2,371
Turbat (Kech) Turbat (Kech) 102 275 1, 858 2,133
Hyderabad 20 25 490 515
Hyderabad Mirpurkhas 40 482 321 803

Dera Ghazi Khan Rajan Pur 50 - 1,261 1,261

Total 977 2,038 19,715 21,753

Statistical Abstract as of June, 2009 73


Table 17. Detail of Activities under Balochistan Education Support Project – June 30, 2009

Activity Achievement

Need identification for Community Schools 72


Baseline survey conducted in the village 64
Villages identified as feasible for Community Schools 62
Parent Education Committees formed 62
Membership in Parent Education Committees 434
Men 291
Women 129
Parent Education Committees registered 62
Bank accounts opened for Parent Education Committees 62
Meetings held with Parent Education Committees 62
Follow up/support/monitoring visits to schools besides meetings 101
Schools which received funds from BEF for classroom/school setup 58
Schools which utilized the funds for classroom/school setup 58
Schools which received funds from BEF for operations 54
Schools which utilized funds from BEF for operations 52
Teachers identified 62
Men 48
Women 14
Agreements done with teachers 62
Men 48
Women 14
Students enrolled in schools 2,150
Boys 1,120
Girls 1,030
Parent Education Committee's members trained by TIP (No. of schools) 62
Men PEC members 242
Women PEC members 70
Teachers trained 31
Men 27
Women 4

Table 18. PRIDE Project Activities as of June 30, 2009

Cumulative Members/ Participants Total %


Activities
Achievements Men Women Total Targets Achievement
Social assessment/Village Profiling 141 141 100%
VHF formed 129 980 1,729 2,709 141 74%
VHAP review & update 137 1,071 1,563 2,634 110 125%
Health Management Committee established 26 280 166 446 26 100%
HMC notif ied by Health Department 25 271 155 426 26 96%
VHF office bearer workshop 5 55 43 98 6 83%
Grant proposal writing training 9Training) 3 33 22 55 7 43%
Solicitation of grant proposal from HMCs 7 523 987 1,510 15 47%
Grant implementation management training 1 9 5 14 4 25%
UC Health Forum Workshops (Events) 4 650 785 1,435 14 29%
Health awareness workshops (optional) 8 161 253 414 26 31%
Puppet shows 11 552 796 1,348 17 65%

74 NRSP's 15th Annual Progress Report 2008-09


Table 19. Community Schools established by NRSP, as of June, 2009

Active Schools No. of students No. of Teachers


No. of Currently currently Currently
Currently Community Total
Region Districts Established Supported Supported Self Help enrolled employed
Schools by NRSP by Donors Basis
Boys Girls Men Women

DG Khan DG Khan 71 22 - - 22 533 380 16 11


Rajanp ur 20 6 9 - 15 314 250 7 8
Rawalpindi ICT/Rawalpindi 50 - - 9 9 674 807 10 65
Attock 18 - - 4 4 236 245 4 21
Chakwal 29 - - 13 13 669 533 12 65
Bahawalpur Bahawalpur 13 - 10 1 11 1,067 931 26 43
Lodhran 21 1 9 - 10 398 355 8 9
Hyderabad Badin 41 - - - - - - - -
Thatta 1 - - - - - - - -
MP Khas 28 - - - - - - - -
Jamshoro 5 - 3 - 3 240 155 2 1
Hyderabad 7 - 7 - 7 446 186 6 1
Turbat Kech 56 - 17 - 17 340 362 13 4
Gwadar 12 - 12 - 12 153 148 8 -
Awaran 20 - 20 - 20 432 390 18 2
Panjgoor 8 - 8 - 8 195 130 8 5
Muzaffarabad Poonch 27 10 - 10 20 595 624 15 52
Kotli 4 - - 4 4 90 79 - 5
Sudhnuti 13 5 - - 5 145 148 5 4
Muzaffarabad 10 10 - - 10 579 524 7 62
Bagh 10 10 - _ 10 448 403 12 51
Mianwali Khushab 11 - 2 4 6 337 390 11 25
Bh akkar 4 - 2 - 2 90 153 - 10

Grand Total 479 64 99 45 208 7,981 7,193 188 444

Table 20. Achievements under PPAF supported Community & Government


Schools initiative - as of June, 2009

Enrollment Teachers VEC Members


District No. of Schools
Boys Girls Total Male Female Total Men Women Total

Bhakkar 2 90 153 229 - 10 10 16 14 30

Khushab 2 99 113 212 - 11 11 18 14 32

Bahawalpur 10 955 841 1796 25 36 61 51 50 101

Rahim Yar Khan 41 3,165 1,887 5,052 73 46 119 345 138 483

Total 55 4,309 2,994 7,289 98 103 201 430 216 646

Statistical Abstract as of June, 2009 75


Table 21. District wise progress of the FALAH Project as of June, 2009

No. of No. of Dialogues Dialogues conducted Total community


Districts UCs Locations conducted with Men with Women facilitators (CF) identified
intervened Covered Events Participants Events Participants Men Women Both
Thatta 5 143 132 2,664 132 2,748 132 132 264
Turbat 5 151 123 1,441 139 2,150 123 141 264
Gawadar 3 101 118 1,379 111 1,716 118 108 226
D.G. KHan 8 27 27 318 27 478 20 20 40
Total 21 422 400 5,802 409 7,092 393 401 794

Table 22. OPD Services offered at NRSP-PPAF Community Health Centers as of June, 2009

CHC Jand CHC Bhattian


Category (Attock) (Rawalpindi) Total

Number of male general patients [above 18] 2,001 4,315 6,316


Number of female general patients (excluding antenatal and
postnatal cases) [above 18] 2,919 16,164 19,083
Number of male children [0-18 years] 668 2,584 3,252
Number of female children [0-18 years] 455 2,073 2,528
Number of infants (<1 years) 135 1,033 1,168
Number of antenatal cases 970 2,821 3,791
Number of post natal cases 44 156 200
Total OPD 7,192 29,146 36,338
Total Income 465,219 2,031,162 2,496,381

Table 23. CMAM Project - Summary of Achievements as of June, 2009

Category No. of persons

Total persons screened 35,378


Total pregnant and lactating women screened 6,484
Pregnant women 2,941
Lactating women 3,543
Total children screened 28,894
Boys 14,502
Girls 14,392
No. of malnourished pregnant and lactating women identified and treated 2,216
Pregnant women 1,165
Lactating women 1,051
No. of moderately malnourished children ( <5) identified and treated 4,962
Boys 2,314
Girls 2,648
No. of severely malnourished children ( <5) identified and treated 1,735
Boys 982
Girls 783

76 NRSP's 15th Annual Progress Report 2008-09


Table 24. Progress update under Social Mobilization Component of CMP-II Project – June, 2009

Project Districts
Activities/Outputs Total
Lasbella Sanghar Nawabshah Mirpur Khas RY Khan Kotli Poonch

1. Formation of Farmer Associations (FAs)

Men 122 86 117 98 213 92 76 804


FAs formed Women 2 - - 2 - 2 2 8
Mixed - 1 - - 77 2 19 99

Total 124 87 117 100 290 96 97 911


Men 2,112 1,281 1,781 1,372 4,285 1,535 1,226 14,092
FA membership
Women 35 4 9 52 149 45 186 480

Total 2,147 1,285 1,790 1,424 4,434 1,580 1,912 14,572

2. Formation & Registration of Village Organizations (VOs)

Men 29 20 15 20 9 11 - 104
Formation of VOs Women - - - - - - - -
Mixed - - - - 16 4 15 35

Total 29 20 15 20 25 15 15 139

VO membership Men 2,087 600 447 902 1,546 1,116 1,232 7,930
Women 35 3 31 60 28 120 277
-
Total 2,122 600 450 933 1,606 1,144 1,352 8,207

Documents sent for Registration 12 15 15 20 20 12 6 100


VOs registered - 8 15 15 20 7 5 70

3. Community Management Skills Training (CMST) for Farmer Associations

No. of events 9 6 5 3 10 6 5 44
No. of participating FAs 115 48 52 37 123 72 71 518
CMST Men 222 100 97 68 238 151 122 998
Participants Women - - - - - - 17 17

Total 222 100 97 68 238 151 139 1,015

4. Savings Accumulated (Rs.)

Membership Fee 107,350 64,250 90,500 73,950 221,700 82,650 97,250 737,650
Share Money 210,000 485,225 706,900 835,000 1,131,320 345,500 469,000 4,182,945
Total 317,350 549,475 797,400 908,950 1,353,020 428,150 566,250 4,920,595

Statistical Abstract as of June, 2009 77


Table 25. Summary of cumulative and annual achievements under SLBAP

Over all Cumulative


Target for Achievement
SLBAP activities Targets Achi evement
2008 - 09 during 2008 - 09
(2005 - 2011) as June 09

Situation Analysis Completed


No. of villages with complete profiles 1,024 - - 1,042
No. of villages with complete poverty ranking 1,024 - - 1,042
No. UCs with complete UC profiles 106 - - 106
Social Mobilization
N umber of Program Introductions 1,024 351 1,500 7,810
Number of COs Formed(Total) 2,438 350 1,130 4,943
Number of Men’s COs Formed 1,417 170 302 2,507
Number of Women’s COs Formed 721 102 607 1,654
Number of Mixed COs Formed 300 78 221 782
No. of Micro Investment Plans completed 2,438 387 716 3,041
CO’s membership 48,760 7,000 17,714 82,058
Men 28,340 3,400 4,719 41,420
Women 20,420 3,600 12,995 40,638
Savings (Rs. M) 58,512,000 420,000 1,570,273 8,260,748
Men 34,008,000 204,000 572,514 4,524,904
Women 24,504,000 216,000 997,759 3,735,844
COs' Capacity Building
No. of Community Management Skill training events - - 53 290
Activists trained for CMST 4,876 700 1,290 6,593
Fund Management & Account Keeping events - - 33 240
Activists tra ined in Fund Management & Account Keeping 2,438 350 671 3,766
Activist Workshops - - 214 635
Activist workshop participants 22,578 2,882 8,282 27,174
Micro Credit Disbursement
Number of Loans sanctioned 24,062 - 3,358 62,945
Micro Credit Disbursed (Rs million) 240.62 - 22.57 778.02
Loans for Agri.input (Rs million) - - - 83.56
Loan for Enterprise Development (Rs million) - - 9.45 273.15
Loan for Livestock Development(Rs million) - - 13.13 421.31
Small Scale Infrastructure Schemes
Small Scale Infrastructure Schemes imp lemented 1,166 390 388 721
No. of projects approved 1,166 390 388 721
No. of Small Scale Infrastructure Schemes completed 1,166 390 369 702

78 NRSP's 15th Annual Progress Report 2008-09

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