GBTI Ghazi Barotha Taraqiati Idara 2018.pdfGhazi Barotha Taraqiati Idara Licensed under section 42...

Ghazi Barotha Taraqiati Idara

Licensed under section 42 of the Companies Ordinance (1984) with the assistance of WAPDA Approved under section 2(36)/61 of the Income Tax Ordinance, 2001

GBTI

As of Sep, 2018

Harnessing People’s Potential to help themselves

Quarterly Programme Update

2

Quarterly Programme Update

As of Sep, 2018

Harnessing People’s Potential

Ghazi Barotha Taraqiati Idara Monitoring, Evaluation & Research Section

Chairperson

Board of Directors

Chief Executive Officer

Audit/Risk Management &

Compliance Committee (BoD)

Internal Audit

Investment Committee (BoD)

Company Secretary

GBTI’s Organizational Structure

General Manager

Recruitment Committee (BoD)

Budget Monitoring

Committee (BoD)

Social M

ob

ilization

Gen

der &

Social Secto

r Services

Hu

man

Reso

urce D

evelop

men

t

Ad

min

istration

& H

um

an R

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rce

Finan

ce & A

ccou

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M

on

itorin

g, Evaluatio

n &

Re

search

P

hysical In

frastructu

re & Tech

no

logy

Develo

pm

ent

R

ural C

redit &

Enterp

rises De

velop

men

t

En

viron

men

t & N

atural R

eso

urce D

evelop

men

t

Affectees Facilitatio

n C

ell

Sectors

Contents

Introduction -------------------------------------------------------------------------------------------------------------------------- 6

Vision ----------------------------------------------------------------------------------------------------------------------------------- 6

Mission --------------------------------------------------------------------------------------------------------------------------------- 6

Key Assumptions -------------------------------------------------------------------------------------------------------------------- 6

1. GBTI Working Area and Sector ---------------------------------------------------------------------------------------------- 9

2. Affectees Facilitation Cell (AFC) --------------------------------------------------------------------------------------------- 9

3. Social Mobilization (SM) ---------------------------------------------------------------------------------------------------- 14

4. Human Resource Development (HRD) ---------------------------------------------------------------------------------- 16

5. Physical Infrastructure and Technology Development (PITD) ----------------------------------------------------- 19

6. Environment and Natural Resource Management (ENRM) -------------------------------------------------------- 21

7. Gender and Social Sector Services (GSSS) ------------------------------------------------------------------------------ 23

8. Livelihood Enhancement & Protection (LEP) Programme: --------------------------------------------------------- 27

9. Rural Credit & Enterprise Development Programme (RCED) ------------------------------------------------------ 31

10. Pakistan Poverty Alleviation fund (PPAF) ------------------------------------------------------------------------------ 32

11. Micro Health Insurance Programme (MHI) ---------------------------------------------------------------------------- 36

…

G B T I P r o g r a m m e U p d a t e a s o f S e p , 2 0 1 8

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Acronyms ADB Asia Development Bank AFC Affectees Facilitation Cell BISP Benazir Income Support Programme CIF Community Investment Fund CMST Community Management Skills Training CO Community Organization CPI Community Physical Infrastructure CRP Community Resource Person ENRM Environment and Natural Resource Management FLF Female Livestock Farmers GAD Gender and Development GBHP Ghazi Broatha Hydro Power Project GBTI Ghazi Broatha Taraqiati Idara HRD Human Resource Department HRDN Human Resource Department Network IRDP Integrated Regional Development Plan IRM Institute of Rural Management LBoD Local Board of Directors LEP Livelihood Enhancement Programme LHW Lady Health Worker LSO Local Support Organization LSON Local Support Organizations Network MER Monitoring, Evaluation and Research MIS Management Information System MFI Micro Finance Institution NBFC Non-Banking Finance Company NRSP National Rural Support Programme NPO Non-Profit Organization PCP Pakistan Centre of Philanthropy PITD Physical Infrastructure and Technology Development PO Partner Organization PPAF Pakistan Poverty Alleviation Fund RSPN Rural Support Programme Network RSP Rural Support Programme SM Social Mobilization SO Social Organizer SSI Small Scale Infrastructural Scheme VDO Village Development Organization WAPDA Water and Power Development Authority WB World Bank


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Introduction

• Ghazi Barotha Taraqiati Idara (GBTI) was established as a Project Non-Government Organization (PNGO), in 1995 with the financial support of WAPDA in the Ghazi Hydropower Project (GBHP) area.

• GBTI is a Non-Government Organization registered as a company limited by guarantee under section 42 of the companies’ ordinance (1984).

• It is an approved Not for Profit Organization under clause 2 (36) of the Income Tax Ordinance, 2001.

• It is certified as an NPO by Pakistan Centre of Philanthropy, the certification agency of Government of Pakistan.

• It is licensed to carry out Investment Finance Services as Non-Banking Microfinance Company.

• It is a member organization of Rural Support Programme Network.

• It is a member organization of Pakistan Microfinance Network.

• It is a member organization of Human Resource Development Network.

• GBTI core operations are managed from the income of an endowment fund provided by WAPDA. • It is autonomous and independent. • It has no pre-conceived package for delivery of services or supplies. • It is a gender sensitive development organization. • It has no political agenda.

Key Assumptions

1. People have tremendous potential and willingness to identify and prioritize development activities. 2. There is at least one Activist in each community who is willing to mobilize the community.

Vision

Directly & indirectly GBHP Project Affected Person (PAPs) will be organized in the form of their own organizations. The community institutions and their activists are recognized by the Government and private

development agencies as vehicles for the sustainable development and poverty reduction

Mission

To ensure fair and just implementation and compensation packages announced for affected communities of Ghazi Barotha hydro Project (GBHP) through involvement of all stakeholders and promote area development

programme with a special focus on the poor and deprived communities

Objective

To foster the institutions of the people in all villages and settlements in GBHP affected area through a committed cadre of community activists and community extension workers/specialists. GBTI works to harness

people’s potential for poverty reduction and improving their quality of life.


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Cumulative Progress as of Sep, 2018 Affectees Facilitation Cell (AFC) Social Mobilisation (SM) Physical Infrastructure -Schemes

Completed

Total Affectees 36,958 Community Organizations (COs) Formed

3,326 Households Benefited 28,140

No. of Affectees Paid 30,487 MCOs 1,436 Total Cost (Rs.) 427 M

Remaining No. of Affectees

6,471 FCOs 1,890 GBTI Share (Rs.) 341 M

Total Awards 167 CO Membership 57,702 Total Schemes 792

Award announced 160 MCOs 26,508 Sanitation/Households Toilet 356

Awards Pending 07 FCOs 31,194 Communication 217

Total Awarded Amount 4,560.61 M CO Savings (Rs.) 10,051,060 DWSS 76

Amount paid to affectees

4,409.61 M MCOs 5,511,327 Education 32

Remaining Amount 150.99 M FCOs 4,539,733 Health 06

Rural Credit & Enterprise-Development (RCED)

Micro Health Insurance (No. of Insurance Cases)

80,295 Irrigation 51

Total Disbursement (Amount)

2,149,963,950 Men 10,959 Protection Work 46

Men 263,924,900 Women 69,336 Others 09

Women 1,886,039,050 Premium Collected (Rs.) 14,594,310 Environment and Natural- Resource Management

No. of Loans disbursed 94,923 Total # of Claims received 529 Agriculture

Men 10,132 Claims Approved 397 Plants raised (Forest and Fruit) 378,691

Women 84,791 Claims in verification process 02 Improved seeds (kg) 225,919

Agriculture (Amount) 7,682,500 Claims Rejected/Pending 130 Fertilizer provided (01bag=50kg) 4,020

Agriculture (No. of loans) 928 Claims Reimbursed to the Clients 397 Potato seeds provided through CAVC (01bag=50kgs)

1,096

Men 772 Amount Reimbursed (Rs.) 5,196,540 Guidance & Demonstration Plots 422

Women 156 Human Resource -Development Programme Sprayed Area (Acers) 606

Livestock (Amount) 546,591,500 Total Persons Trained 22,552 Tunnel Vegetable (R&D) 5

Livestock (No. of loans) 25,802 Total Men Beneficiaries 7,271 Land Levelling 109

Men 3,372 Total Women Beneficiaries 15,281 Orchard established/ Nursery 10

Women 22,430 Community/Staff Management Training Programme (Events)

366 Agri-Machinery (spray machines) 25

Enterprise Development (Amount)

1,595,384,950 Men 3,341 Kitchen Gardens (Packets Seed) 2,934

Enterprise Development (No. of loans)

68,181 Women 3,343 No. of Soil Tests 1,019

Men 6,318 Subject Specific Training Programme (Events)

465 Livestock, Poultry & Dairy Farming

Women 61,863 Men 1,541 Vaccination and De-worming of animals

58,158

Small Infrastructure Individual Enterprise (Amount)

305,000 Women 8,280 Animals treated 17,914

SIIE (No. of loans) 12 Tech & Vocational Training Programme (Events)

546 Poultry units provided (01 units= 06 birds)

26,081

Men 6 Men 2,389 Honey Production (kg) 1,209

Women 6 Women 3,658 Quail Farms established 10

Beneficiary Cos/Groups 19,202 Gender and Social Sector Services (GSSS) Dairy Farms established 2

Men 2,254 Activities No. of Beneficiaries

2,048 66,774

No. of Clinics established (PMILS) 2

Women 16,929 Gender 158 15,718

No. of CLEWS trained (PMILS) 2

Mixed 19 Women Empowerment 693 6,499

Feed blocks provided for animals (kg)- Linkage

600

No. of Active Loans 16,953 Educational Promotion 36 3,587

FLF Training 103

Outstanding Portfolio 313,645,974 Health Promotion 1,161 40,970

Other Activities 7,300


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4,409.61 (96.69%)

Million Rupees paid to Affectees

22,552 Persons trained in managerial and vocational trainings (68% women)

80,295 Persons insured under the Micro Health Insurance (87% women)

2,149.963 Million Rupees loan disbursement

to 82,867 (90% women)

313.645 Million Rupees is an

Outstanding Portfolio

66,774 Women benefited under the

Gender & Social Sector Services

13.724 Million Rupees disbursed to 644 poor HHs under the Community

Investment Fund

32,514 Community members benefited under Agriculture Livestock and

Poultry

792 Physical Infrastructure Projects

completed benefitting more than 28,140 HHs

38,570 Households Organized

57,702 Members Community

Organisations

3,326 Community

Organisations (58% Women)

81 Village Development Organisation

(VDOs)

16 Local Support Organizations

(LSOs)

30,487 (82.49%)

No. of Affectees paid

1. GBTI Working Area and Sector

Since its inception, GBTI has continued to assist WAPDA and the affected communities in all Project related activities including (but not just limited to) land compensation, employment and resettlement activities. At initial stage the entire team of GBTI carried on facilitation of the affectees in getting their due right and assist GBHP related agencies in smooth and timely completion of the project. But with the passage of time, as most of the problems were solved, and pace of project related activities has slowed down, GBTI has established a separate “Affectees Facilitation Cell” to continue its assistance in the project related activities and rest of the team is fully concentrating on development related activities. GBTI is also continuing to implement the IRDP to keep abreast the twin objectives, i.e., community development through Project advocacy and conflict resolution activities. GBTI’s programme area consists of union councils which are the part of three districts namely Attock, Harripur and Swabi. The IRDP consists of a wide-ranging development portfolio of the GBHP affected communities; which include Community Physical Infrastructure schemes (CPI’s), Capacity Building, Skill Enhancement and Management, a variety of Vocational Training Programmes (HRD), Micro Credit for Small Enterprises for income generation (RC&ED), Environment and Natural Resource Management (ENRM) and Gender & Social Sector Services (GSSS), etc.

2. Affectees Facilitation Cell (AFC) To solve problems including land compensation payment, enhanced land compensation, legal matters and resettlement issues, etc. the AFC was established. The cell comprises of experienced staff to perform as a task force in coordination with the local representatives of the community Local-Directors (LBoDs). The objective is to facilitate Water and Power Development Authority (WAPDA) and the Project Affected Persons (PAPs) more efficiently.

• Up to the end of Sep, 2018 there were 30,487 PAPs (Project Affected Persons) paid against their land compensation payments with an amount of Rs.4,409.61 million out of total 36,958 PAPs.

• WAPDA has constituted a committee for the settlement of the court cases related to land compensation payment. Assisted Resettlement Claims Committee (RCC) for out of the court settlement of cases pertained to land compensation payments after consultation with the concern PAPs. GBTI arranged meetings with the PAPs individually and collected their willingness to settle their cases out of the court. As a result of these dialogues, 127 applications were received out of total 173 court cases. Out of 123 hearings, 84 were settled and 39 have been withdrawn by the affectees. While payments of Rs.277.6 million made to only 62 cases.

• TUAs (Tube-Well User Associations” are pursuing for the installation of 11 tube wells on the sold spoil banks under the “Spoil Bank Disposal Policy”. So far 07 tube wells have been installed by WAPDA and handed over to concerned persons.

• GBTI have also raised the matter of land compensation payment of the PAPs having less than Rs.10,000 payments. GBTI requested the committee to sort out an appropriate way for these payments, so that number of pending land compensation payment could also be reduced.

GBTI had provided categorization of pending land compensation payments to Director Legal for taking appropriate steps for 77% of total PAPs having payments below Rs.10,000/, which were 3,337 in numbers out of total 4,310. Moreover 22% PAPs were in between Rs.10,000 to Rs.50,000/- (724 PAPs) and only 1% belongs to category more than Rs.50,000 (241 PAPs).

• In this quarter three small orchards were auctioned amounting of Rs.39,500 in which GBTI participated.

• GBTI has provided detailed moza wise list of PAPs of Attock District having remaining

land compensation payments to Director Legal GBHP-WAPDA for expediting the payment process.

• Participated in auction of a fruit orchard developed on the spoil banks.

• Rehabilitated and reactivated two dispensaries Barotha Model Village and Bahadur Khan Village through VOs and support from Health Department.

• Rehabilitated a Girls elementary school, Gondal Village damaged in 2010 flood and primary school, Salar Village Attock District.

• Provided furniture to Feroz Banda Model Village School for pre-nursery classes; Detail is given in Tables 4, 4a & 4b

AFC-GBTI facilitated for the conduction of meetings of Affectees and “Land Acquisition Resettlement Committee” (LARC) to settle land compensation payments


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Rehabilitation of Ghost Dispensary, Village Bahadur Khan. A Govt. Dispensary/Sub health centre existed in village Bahadur Khan, for many years without adequate staff, medicines and maintenance and turned into an abundant place converted in to a dark ghost house. There was no other health facility available for the villagers. LSO Bahadur Khan requested GBTI to re-activate this

ghost dispensary. After getting NOC from Health Department, GBTI acquired the building and completed all necessary renovation and installation of Solar System for the electricity. Initially it was decided with LSO Bahadur Khan that there will be regular arrangement of Health and Medical activities. Now Health department nominated a doctor who is visiting on every Friday for health awareness and free medical check-ups.

Girl’s Elementary School, Village Gondal. The previous building of school was totally damaged due to flood and there were 274 girls students studying. Then the school was shifted in a rental building which was not suitable and good enough. Most of the classes had to sit in open area or varanda. With the great efforts of VDO-Gondal and school teachers now the building of school

including four class rooms have been completed with the contributions of VDO, Education Department and GBTI. Now it is being extended with additional four class rooms and boundary wall by the Education Department

.

Re-construction of Girl’s school at Gondal

Sub Health Centre, Bahadur Khan


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Rehabilitation and construction of additional class rooms, Girls Primary School, Salar: Village Surg Salar comprises of 419 HHs in Sarwala Region. There is only one Boy’s Primary School in the village and Girl’s Middle School is 2-3 kilometer far away from the community. It was very difficult for the community to send their girls there. This issue was discussed in VDO-Surg Salar meeting where it was decided to ask for some space in existing Boy’s school they allocated some

space but it was so ruined and not possible to even sit there. VDO Surg Salar requested GBTI to renovate the school. GBTI conducted survey and approved the project and with an amount of total Rs.520,191/- school was renovated in which two rooms were constructed. VDO Surg Salar not only got NOC from Education department but also convinced them to declare it a branch of Girls Middle School and nominated two Female teachers who are performing their duties and now 74 girls from Class-I to Class-V are getting education comfortably.

Rehabilitation of Barotha Model Dispensary, Village Barotha: A dispensary developed by WAPDA in Barotha Model Village, for many years without adequate staff, medicines and maintenance and turned into a dark ghost house. There was no other health

facility available for the villagers. VDO Barotha requested GBTI to re-activate this ghost dispensary. After getting NOC from WAPDA, GBTI acquired the building and completed all necessary renovations. Now GBTI is organizing free medical clinics on weekly basis in which two Doctors are permanently nominated by DHO-Attock.

Barotha Model Dispensary

Girls Primary School, Village Salar

Distribution of computers to Tehsil Headquarter (THQ) Hospital, Hazro, District Attock: THQ Hazro is facilitating more than 500 patients on daily basis by providing health facility. Apart from that a doctor on weekly basis has been designated for the dispensary at Bahadurkhan village which is being managed by GBTI focusing mother & child health care with the support of

Village Development Organization (VDO) Sammer, BahadurKhan. VDO identified that there is a problem being faced by doctors and IT department at THQ, Hazro in managing database and information of patients. Due to several issues it was not possible for the Government of Punjab to provide computers. Considering the request of VDO and doctors, GBTI supported THQ Hazro by donating five computers costing of Rs.76,000/-.

Distribution of Dialysis Kits to Tehsil Headquarter (THQ) Hospital, Hazro, District Attock: At the moment THQ Hazro is facilitating more than 12 poor/deserving patients by providing free dialysis facility. There is a need of eight to ten dialysis kits for each patient in a month. In THQ, Hazro the dialysis machines and doctors are

available but dialysis kits are not being given by Government of Punjab due to several issues of procurement and funds. VDO-Jityal and community activists tried to get support from well-off and approached several wealthy people and arranged several kits but not enough to support for the registered patients. The average cost of one kit is Rs.1500/-. On the request of VDO-Jityal and doctors of THQ, GBTI provided 180 kits with an amount of Rs.2,00,500/-.

Distribution of computers to THQ, Hazro, District Attock

Distribution of Dialysis Kits to THQ, Hazro, District Attock


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3. Social Mobilization (SM) GBTI works to release the potential abilities, skills and knowledge of rural men and women, to enable them to articulate their aspirations and to effectively organize the resources they need to meet their identified needs. The purpose is poverty alleviation – enabling people to break the cycle of poverty, which begins with the lack of opportunity, extends to the well-known miseries of economic and nutritional poverty and leads new generations to endure the same conditions. The process is social mobilization - bringing people together on new terms for a common purpose. The conceptual tools are ‘social guidance’ (recruiting local men and women who will take on a leadership role), advocacy, capacity building and awareness raising. The programmatic tools are training, support to institutions, micro-credit, infrastructure development, natural resource management and ‘productive linkages’. GBTI’s vision is manifested in expanded opportunities for income-generation; community schools which provide quality primary education, community owned and managed infrastructure schemes, improved agricultural productivity and higher returns for labour and so on. From the widest perspective the vision is manifested as the first stage of a transformation of civil society. Social Mobilization, the core of GBTI’s philosophy Social mobilization is based on acknowledging that the community is the center of all development activities. It is only informed and engaged community members who can plan and undertake sustainable grass roots development. GBTI utilizes the following steps in mobilizing rural men and women:

i. Programme introduction:

The process of social mobilization in a village begins with a series of dialogues with community members, explaining the purpose of the organization and the mutual obligations which CO formation entails. These dialogues:

• Help to establish relationship and build trust between the GBTI Social Organizers and the villagers. • Enable potential CO members to identify the socio-economic and infrastructural opportunities available in their communities. Every effort is made to include both men's and women's perspectives as the dialogues proceed. • Help identify potential areas of effective intervention, as defined by the men and women of the community. Once identified, the opportunities are grouped into sector- specific categories.

ii. Situation analysis:

As part of the entry process, the Social Organizer completes a 'Situation Analysis', which covers demographic trends, economic data (household income, agricultural and other earnings), employment data, the institutions (schools, hospitals etc.) found in the area, the amount and condition of land, health and education facilities and physical infrastructure and the state of the agricultural economy. The situation analysis utilizes primary and secondary sources (interviews, Census data, etc.) is valuable as a benchmark, as a tool for entry level planning and for eventual programme expansion.

VDO meeting in village-Khairbara, Tehsil Ghazi, District Harripur


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iii. CO Formation: The GBTI staff ask people to form Community Organizations (COs) which will function as a platform for development. Each CO then elects a President and a Manager. The GBTI staff and the CO members identify an Activist from amongst the CO members.

iv. Poverty Profile through Poverty Score Cards (PSC):

PSC is the questionnaire format comprises of thirteen questions, in this format the social organizers enter data correctly. Its fundamental need is to collect information about destitute and very poor households, later on this information is validated through online BISP survey results. This gives GBTI a good idea of the scale of poverty in the area and enables GBTI to match its intended interventions with local needs. The categories under PSC bands are: 0-11: Extremely Poor/Destitute. 12-18: Chronically Poor/Very Poor 24-100: Non-Poor 19-23: Transitory poor

v. Micro investment plans (MIPs): Once a CO has been formed, the *Activists and Social Organizers help the members to draw up micro-investment plans (MIPs). Established at three levels, household, group and the village, these help the CO members to identify their economic needs in concrete terms and to plan ways to improve their economic standing. *Activist for MIPs is defined as, “a person who has enhanced/improved his/her own household income through this platform of community organizations.

3,326 Community Organizations (COs) have been formed with 57,702 members, while the saving amount is Rs.10,054,010. While during the period (Jul-Sep, 2018-19) 21 Women Community Organizations and 03 Village Development Organizations were revitalized. 81 Village Development Organizations (VDOs) have been formed while 16 Local Support Organizations (LSOs) have been constituted in the programme area of GBTI. The detail status is given in Tables 5, 5a & 5b

4. Human Resource Development (HRD) Human Resource Development (HRD) plays a significant role in the development. Acting as a catalyst, it makes on-going and multi-faceted contributions to increase the overall wealth of the society. We believe that “skill enhancement is one of the major factors in achieving optimal rural development”. Since the establishment of HRD component this sector is meeting the need for capacity building by teaching new skills or by enhancing existing skills and capacities. With the steady growth in its area of operations, the HRD section had also established linkage with the Institute of Rural Management (IRM). The Institute meets the training needs of GBTI (staff and community) in particular and the development sectors in general.

i. HRD Objectives:

• To enhance people’s productivity and to consolidate the human capital base to optimize the utilization of labor.

• To upgrade the technical and managerial skills of rural men and women, so as to increase production and minimize losses.

• To improve the utilization of local resources and reduce dependency on external resources.

• To build self-confidence.

• To strengthen village based skills to enhance productivity and increase returns.

ii. Training portfolios:

In response to the dilemma of human poverty, HRD has been running both staff and community trainings portfolios. The following programmes are included in the Community Training portfolio:

Community management training programme.

• Vocational & technical training programme.

• Natural resource management training programme.

• Enterprise development training programme.

• Social sector training programme.

• Physical infrastructure trainings.

• Community investment fund trainings. The Staff training portfolio ensures capacity building through three programmes: Management development training programme, Micro finance training programme and Intern training programme. The Managerial-training programme ensures the level of management skills required for proper functioning of the community organizations. These programmes are led by professionals who have knowledge of the fields, the community issues, and training along with their respective qualification. The Vocational & Technical Training Programme, enhances the technical skills of community members and contributes to self-employment.

A batch of vocational training completed at Institute of Rural Management (IRM)


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The Natural Resource Management Training Programme strives for optimal utilization of available resources at the local level and provision of assistance to reduce dependency on external resources. The section provides support to members engaged in agriculture, livestock, poultry, water resource development and management, and forestry and rangeland management. The programme endeavors to develop and strengthen local capabilities for sustainable resource management by preventing losses in natural resources, productivity enhancement and environmental rehabilitation. The Social Sector Training Programme plays a pivotal role by providing training and assistance in health and education. These training programmes are provided in collaboration with governmental and non-governmental institutes and organizations.

i. Khabarnama:

GBTI’s “khabarnama” is the update which is being issued quarterly covers all activities of organization during the quarter, i.e. formation of COs, need identification, actions taken by GBTI’s sectors on resolution of COs etc. Sectoral activities regarding HRD, CPIs, GSSS (health and NADRA camps), RCED and ENRM are also included in this update. It also covers all incoming and outgoing field visits. It is being printed in Urdu language so that a lay man/woman could easily understand covering some articles and success stories which represent that how people are being benefitted through GBTI’s interventions. It also creates sense of motivation and awareness among the community.

• 4,940 Office-bearers have been given training

under the “Community Management Skill Training” (CMST) component.

• 3,658 (women) community members have been given training under the technical and vocational training programme such as tailoring machine/hand embroidery, cushion and bed sheet making etc.

• 2,389 (men) community members have been given training under the technical and vocational training in several different trades

i.e. heavy machinery, building electrician, civil surveyor, driving and plumbing etc.

• Under the “subject specific trainings” component 9,821 community members have been given trainings on subject specific such as candle making, pickle making, surf making and tie & dye etc.

• During the quarter (Jul-Sep, 2018-19) two batches for the tailoring have been initiated in two villages i.e. Jaba and Ghourgushti in which poor girls/women are being given trainings.

• Every month record keepers from LSOs/VDOs managing CIF are being given refreshers and they share progress and discuss their issues.

• Every month RCED Staff receive refresher trainings on various topics such as CART “Credit Appraisal and Recovery Techniques” and on Risk Management The detail status is given in Table 6

Completion of training of tailoring


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Muhammad Azam S/o Muhammad Sadiq is the member of MCO Thalikot Mera, UC-Kotehra. His family comprises of eight members. He has three younger brothers and two sisters. He belongs to a very poor family, his father is a daily wager. The good thing is that instead of poverty his father always appreciated and helped him to get education. Azam completed his intermediate, 12 year study in 2011 and continuously applying for an appropriate job but couldn’t succeed because of an ordinary F.A which he completed. He wanted to get any sort of skill which could help him in getting employment but due to lack of resources unable. His father’s income was not enough and day by day their debt burden was increasing. Thanks to LACIP-KfW-PPAF project due to which COs “Community Organizations” were formed and revitalized. In programme introduction when Azam was informed, he requested GBTI through his CO that he wanted to get training of heavy machinery. On his request and CO’s recommendation TNA (Training Need Assessment) was conducted and he was included in the batch of other trainees from UC-Kotehra and UC-Zarobi. After getting approval from PPAF this batch was sent to NLC (National Logistic Cell, Dina, Jehlum) Institute.

This was the turning point of his life when he successfully completed his training of Operating Excavator. He kept applying to different companies as advised by GBTI and within two months he got an opportunity at foreign company “Almabani- Saudi Arabia” where he got a job. He got a loan amount from his relatives and friend which he needed to go there. Now from last six months he is doing his job and getting 2500 Saudi Rayyal, He says, “Now I paid off all loan amounts which I and my family had taken. I am very thankful to GBTI and PPAF who had given me this opportunity, I feel so blessed because now I can easily afford my family. Now my family position is changed and I will keep supporting my family”

Basic Information of Beneficiary

Name Muhammad Azam

Father Name Muhammad Sadiq

Gender Male

Education Intermediate

Contact Number +966580292406

PSC 24

CNIC 13301-1963299-5

Age 23

Family members 8 members (4 brothers and 2 sisters)

Address Thalikot, UC-Kotehra

Date of training December, 2014

Type of training Excavator (Heavy Machinery)

Muhammad Azam “Received Training of Operating Excavator under LEP-Technical & Vocational Training Programme funded by LACIP-KfW-PPAF”

Muhammad Azam S/o Muhammad Sadiq member of CO Thalikot Mera, UC-Kotehra

5. Physical Infrastructure and Technology Development (PITD)

GBTI’s Physical Infrastructure and Technology Development (PITD) section‘s purpose is to offer guidance to the COs in technical and construction related initiatives. GBTI also acts as an intermediary and facilitates linkages of the COs with donor agencies, including Government Departments, involved in the provision of infrastructure services in rural areas. The Objectives of this section are to:

• Involve local community members in the identification, planning, execution and monitoring of physical infrastructure schemes.

• Enhancing capacity of local community.

• Make efficient and productive use of local resources.

• Demonstrate the acquired skills and capacities of the community to other agencies.

• Create a sense of ownership and responsibility.

• Facilitate the process of community needs assessment and prioritization.

• Develop a transparent system during the execution of infrastructure schemes.

• Create effective linkages between communities and other agencies.

• Introduce low cost technologies.

i. PITD Procedures:

a. Survey of priority schemes

As part of the Micro Planning exercise, the Community Organizations (COs) identify those village activities which they are willing and able to implement. These activities include infrastructure projects. GBTI engineering staff attends the general body meetings of the COs and holds detailed discussions in order to assess the capacity of COs to implement the schemes they have identified as necessary. GBTI ensures

that the community identifies those schemes, which it has the capacity to implement and monitor. GBTI engineers conduct feasibility surveys and social and technical appraisals in collaboration with the local community. b. Assessment of Schemes for Implementation

In addition to assessing the technical aspect of a scheme, a social feasibility assessment is also done to ascertain the ability of CO to resolve conflicts, if any, before the initiation of the scheme. c. Cost Estimation

Cost estimates for the schemes are prepared jointly by community members and GBTI engineers according to the market rates of labour and material needed. The GBTI Social Organizer and Engineer mobilize the community for resource generation by themselves. In some cases, the communities opt to fund schemes from their own savings, supplemented by credit from GBTI. d. Preparation of Portfolio of Schemes and Financial Support

PITD prepares a portfolio of all the schemes that are identified as priority community projects. The GBTI management takes responsibility for creating linkages or mobilizing resources for the community to implement these projects. When GBTI is able to mobilize the necessary financial resources – or to create linkages with the concerned government and/or private developmental organizations – a second round of dialogue is carried out with the COs to see if the schemes for which funding is available still rank as the community’s priorities. The CO is then informed in the meetings whether the scheme merits financial assistance. If it does, the CO is informed about the source, type and conditions of financial and technical assistance. The amount of contribution and commitment from GBTI, donors and the COs are equally important and are therefore carefully discussed during the meetings.

Up to June, 2018, under the community physical infrastructure (CPI) programme, (funded through IRDP WAPDA, PPAF Phase I, II, III, IV, Irrigation Projects –WMCs, LACIP-KfW-I, II, III and PCERT) 793 schemes had been completed, benefiting 28,560 households. Beneficiaries of these schemes are being proactively persuaded to come under the organized fold by joining existing COs or to form new ones. Total cost of the schemes is Rs.427.611 million. The schemes were implemented by the communities, where GBTI contributed 80% cost of a scheme; while the COs contributed 20% of the total cost. The COs are responsible for operation and maintenance (O&M) of schemes on self-help basis.

During the period (Jul-Sep, 2018-19) one scheme of retaining wall of graveyard has been completed while following project’s feasibilities have been prepared as per need identified by the community institutions;

▪ Girls school improvement, Village Surg.

▪ Girls school improvement, village Dher

Detail is given in Table 7, 7a, 7b & 7c

Village Development Organization (VDO) “Jaba” constructed a check dam with the financial and technical support of GBTI to store rain water which is irrigating more than 200 acres of land. The project was completed in just three months benefitting 180 households. Total Cost of the project: Rs.1,436,157 Community Share: Rs.287,231

6. Environment and Natural Resource Management (ENRM)

The quality of the relationship between ecological and social systems defines, to a large extent, the quality of community life and the ability of communities and their institutions to sustain themselves. The links between poverty and the environment are bi-directional: environmental degradation, whether occurring naturally or as a result of human interventions, threatens the livelihoods of the rural poor most of them depend directly on agriculture, livestock and poultry, horticulture and orchard management to earn a living. Basic nutritional needs cannot be met when crop yields are reduced because of poor soil quality. Home-based enterprises requiring natural resources must be abandoned when those resources are no longer available or affordable. Similarly, poverty has negative environmental effects when the poor must resort to unsustainable practices - cutting down trees and polluting water supplies, for example - in order to survive. Whatever its cause, environmental degradation affect the poor and vulnerable first, because they have fewer social or economic resources with which they meet their needs and little to fall back on in times of scarcity. In many areas environmental degradation has created a new class of poor people – those whose resource-based livelihoods have been severely damaged. ENRM sector continues to foster productive linkages of COs with the line departments for the purpose of benefiting from their services. It has established linkages of COs with the agriculture extension department, soil conservation, livestock and poultry, forest and on Farm Management Developments. ENRM sector continues to foster productive linkages of COs with the line departments for the purpose of benefiting from their services. It has established linkages of COs with the agriculture extension department, soil conservation, livestock and poultry, forest and on Farm Management Developments.

• Linkages have also been developed with

Pakistan Tobacco Company for the provisioning of plants.

• ENRM sector under the social forestry program has assisted 1,164 COs to raise 0.378 million fruit/forest plants.

• Created linkages of COs with the Govt. line departments and assisted 136 COs to obtain 4,020 bags of fertilizers.

• Assisted 466 COs to obtain 0.226 million kg of improved variety of crop and vegetable seeds from line departments.

• Established 422 research and demonstration plots of crops and vegetables.

• Provided 26,081 poultry units in 270 COs.

• Vaccination and disease control services to 58,158 animals (including livestock and poultry) in 965 COs (multiple counts).

• Provided 2,934 kitchen gardens plant seeds (packets) to 378 community organization members

Animals are being vaccinated

Awareness raising walks on plantation were organized in two union councils of Swabi. After that more than 5000 fruit plants were distributed among the community


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• ENRM sector has also managed to have 1,019 soil tests throughout the project area by “soil and water test laboratory Attock”.

• 08 Grapes orchards were developed in the programme area. From last two years ENRM sector had also been establishing nursery of grapes in which 35,000 plants were grown and distributed in community organizations.

• 566 Awareness and guidance campaigns/field days/camps on agriculture, forestry and fisheries have been conducted which are integral part of the ENRM programme.

• ENRM sector has held 331 programme introductions to date.

• 480 seeds bags of potatoes were provided to farmers of 09 COs in Chach and Harripur region through linkage with CAVC (Connecting Agro Value Chain pvt.ltd). They also trained farmers how to grow potatoes by using latest techniques/procedures to maximize their yield.

• 500 Olive’s plants were distributed in 16 COs, These plants were provided by NARC (National Agriculture Research Council) through NRSP. (Detail is given at Table 8)

Training of farmers through linkage with “CAVC” Crop of Potato is ready as guided by CAVC

Nurseries of grapes plants developed by GBTI

7. Gender and Social Sector Services (GSSS)

GBTI has identified gender as a crosscutting theme. This requires that gender be integrated into policy planning, programming, implementation and evaluation of activities. GBTI believes that its efforts to reduce poverty cannot achieve their full potential unless the organization addresses the constraints that limit the capabilities of men and women to improve their standard of living and quality of life. Key aspects of this are:

• Recognizing and harnessing the full potential of rural men and women.

• Increasing their productive capacity.

• Reducing barriers, which limit men’s and women’s participation in society.

GBTI acknowledges Gender Mainstreaming a means of consciously raising the visibility and support to women’s contributions to poverty alleviation. This is different from assuming that women will benefit equally from gender- neutral development intervention.

i. Guiding Principles

The Guiding Principles of GBTI’s Gender Policy are as follows: • Gender Integration: GBTI realizes that

addressing gender inequality as a crosscutting theme requires that women’s views, perceptions, needs and aspirations shape the development agenda as much as those of men.

• Diversity and Intersection: Gender equality requires recognition that every policy, program and project affect women and men differently.

• Partnership between men and women: Partnership between men and women is inevitable to enlarge choices. It involves working with men and women to bring about

• changes in attitudes, behavior, roles and responsibilities at home, in the workplaces, communities and the society at large.

• Empowerment: Empowerment enables women and men to identify unequal power relations and unequal access to and control over resources and the implications of unequal power relations for a prosperous society. Empowerment begins with consciousness raising and leads to self-realization.

• Gender Equality/Equity: an effort to promote sustainable humane development achieving gender equality does not mean that women become the same as men. Rather, it is a conscious effort to ensure that one’s rights or opportunities do not depend on being male or female. GBTI is aware that its efforts and contributions to poverty reduction must be coupled with actions to eliminate gender inequalities in order to promote sustainable humane development.

Training workshop on managing “Community Investment Fund” (CIF)


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The Goal and Objectives of GBTI’s Gender Mainstreaming Policy: To support the achievement of humane governance in order to reduce poverty and to ensure sustainable humane development. From this goal, GBTI derives the following Objectives;

• To integrate gender equality concerns into policies, planning, programming, implementation and evaluation of activities in all areas.

• To develop institutional mechanisms (organizational structures, culture) and sector specific strategies to carry forward the gender integration process.

• To establish linkages with other RSP’s, and governmental and non- governmental organizations striving to achieve gender equality.

GBTI aims to reach and serve the poorest and most vulnerable community members and to bring them into the mainstream of Rural Support Programme development.” GBTI is committed to advocacy and action focused on the right to social protection, based on the assumption that the destitute and the vulnerable have the right to have their basic needs met; to be protected from hazardous working conditions, the right to a good education, the right to earn a decent living, the right to decent shelter and the right to protection from physical and economic exploitation and violence. If those needing social protection are children, they have the right to develop to their fullest potential, in preparation for lifelong well-being. The Gender and Social Sector Services sector of GBTI continues to establish productive partnerships with the education and health departments and other development organizations and donors. Productive partnership has been established with the National Commission for Human Development, which has picked some GBHP affected villages in Sarwala region District Attock for provision of health and education services.

• GBTI had trained 95 Traditional Birth Attendants (TBAs), who provide basic health, maternity and family planning services to their clients, who also refer them to hospitals if required.

• Construction of community/ village physical infrastructure schemes, (CPI’s), is largely associated with the GSSS needs of the communities.

• The revitalization of government health dispensaries in villages such as Bahadur Khan and Barotha are also the programme initiatives under the GSSS.

• GBTI take role in improvement of teaching environment in government primary schools.

• Capacity building of the local NGOs and Local Support Organizations (LSOs), and helping them in the establishment of a drug addict rehabilitation centre at Kottah .

• GBTI established a stitching center at Sheen Bagh.

• Community income generations initiatives have been taken under the Livelihood Enhancement & Protection (LEP) 568 households were given assets just for the income generation activities.

• GBTI facilitated NADRA in organizing camps for the registration of CNICs. There were 133 camps had been organized in which 15,142 persons registered.

• 636 women members have been given interest free loans under the Community Investment Fund (CIF) being managed by

concerned Village Development Organizations (VDOs).

Medical Camp is being organized at Village “Barotha”


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• 11,549 women members have been given interest free loans under the Prime Minister’s Interest Free Loan (PM’s IFL) programme. Cases are being recommended Village Development Organizations (VDOs).

• 3,658 women members have been given vocational/skill trainings such as; advanced tailoring, Gaba work, decoration piece making, machine and hand embroidery etc.

• 1,853 women members have been given trainings under Female Livestock Farmer’s (FLF) training programme to nourish their livestock by adapting latest practices.

• 13,688 women have been received antenatal and basic health facilities in medical/health camps organized by GBTI.

• Established a Mother and Child Health Center (MCHCC) at Gala, village link road, drinking water supply.

• GBTI improved existing conditions at boys’ schools.

• Established a basic health center in Pontia and Gala on the right bank side.

• Rural Credit & Enterprise Development section of GBTI has disbursed credit to 84,791 women through FCOs for income generation activities under the income restoration activity portfolio.

• During the period (Jul-Sep) 1,293 women

were participated in 43 “Health Awareness Workshops” organized by GBTI.

• 518 persons have been given medical facility with medicines in 43 medical/health camps organized by GBTI.

(Detail is given at Table 9)

Health Awareness Camp is being organized in Village “Bahadur Khan”


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With the collaboration of COMSATS Research Team GBTI/GSS Sector arranged additional health screening camps in its programme area for research group which was mainly focused on screening of inherited as well as multifactorial diseases in Pakistan, including retinal dystrophies, intellectual disabilities, skeletal deformities, autoimmune diseases, glaucoma, psychiatric diseases, type 1 and type 2 diabetes mellitus and its induced microvascular and macrovascular complications. The genetic screening is being done at Translational Genomics Lab, COMSATS Institute of Information Technology, Islamabad. The blood samples are being collected from the diseased and normal individual and following services will be provided by their Lab.

• Initial genetic screening of the individuals taking part in the study

• Awareness campaigns and counseling sessions for affected individuals

• Genetic counselling (after initial genetic screening)

• Treatments like Fundoscopy, Grid Laser therapy (if needed for Diabetic Retinopathy patients)

• Counselling sessions arrangement with Psychologists for psychiatric patients

COMSATS has collaborations with clinicians and psychologists in different hospitals. They will refer patients after their complete genetic analysis to them. However, their genetic analysis may take time (appx 1-2 years) to complete in few complicated cases. So far 205 blood samples have been collected from GBTI’s programme area as per given detail;

Date VDO/LSO No. of Blood Samples Collected

11-Aug-17 VDO Barotha 39

11-Aug-17 LSO Khairbara 27

18-Aug-17 VDO Jatyal 117

18-Aug-17 VDO Khushhali Nartopa 22

Total 205

Blood samples are being collected

8. Livelihood Enhancement & Protection (LEP) Programme:

To improve the living standards and reduce vulnerability to shocks of targeted households, GBTI disbursed grant only for the income generating activities. Special focus is given to the destitute. A proper assessment plan is going to be followed.

i. Poverty Targeting Fund/Asset Transfer (PTF)

The Poverty Targeting Fund (PTF) is an asset transfer programme, its objective is to build or improve livelihood of extremely poor household through their own community organizations. The poorest households are provided with micro assets for income generating activities only. Before transferring of asset, the related trainings (LMST/BMST) are also given for the efficient and effective utilization of assets. It also builds the confidence and capabilities of households. These extremely poor households identified by using the Poverty Score Card (PSC) of which the results are verified by the community.

• 568 assets have been transferred to poorest households only for the income generating activities. Before transferring of these assets the trainings (LMST: Livelihood Management Skill Training/ BMST: Business Management Skill Training) were given to all beneficiaries which is the pre-requisite for asset transfer to utilize their assets properly and more efficiently.

Najma Bibi lives in “Chabee Chay” muhalla of village Kotehra with her disabled husband, Rafaqat Ali, and four daughters. Rafaqat is a polio victim. According to village traditional myths, Rafaqat suffered from typhoid which resulted in shrinking of his legs and also paralyzed his lower body movement. Rafaqat thought that many people of the village with such a condition are left to beg by families as they are no longer a source of proper income, but he will not let his weakness become a reason for their impoverished condition at home. Instead, he planned for the future based on using his hands. Since then he has been walking from his house to the main market in Ghazi for working as a tailor at someone’s shop. Total walking time was four hours per day. During the rainy season, he suffered much as did his family for he could not walk to the market to work. On such occasions his family had less food to eat. Within the community, CO members encouraged Najma to join the CO, which she did. At this time, the only money he received at the end of every month was BISP money allocated to his family. A total of Rs. 1,500 per month was received and used to settle small debts with local shopkeepers.

Rafaqat “A Disabled Tailor, Recipient of Sewing Machine and some accessories under LEP-Asset Transfer Programme only for income generating

activities”


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In addition to this, none of his children went to school. When the opportunity arose, CO members asked Rafaqat if he wanted to pursue any micro business which he thought would help him generate income. Rafaqat, a tailor since 24 years, opted for a Joki machine (special tailoring machine) worth Rs 25,000 as an asset under the component of LEP- Asset Transfer of LACIP-KfW project funded by Pakistan Poverty Alleviation Fund (PPAF) to be placed at his own premises. Najma also supports her husband in his work and after two years with day and night hard work, they had not only repaid all his debts and their children had also started going to school regularly with all the dues paid on time and expenses taken care by their father. Working from his home, he earns about Rs 500-600 per day and is able to meet all the needs of his family. He has also created external linkages with the shops in the market to give him orders at his house while the material is transported to them by his nephew. They had also built a new room cum shop outside their home with the saving amount. Then they applied for the loan of Rs.20,000 from GBTI’s programme of Rural Credit and Enterprises Development (RCED) to expand their business of tailoring and bought accessories and fabric, which also have been paid off. Rafaqat continues to save Rs. 10-15 per month with CO, for as he says, “CO made me strong, and I have to play my role in making CO strong”. Najma and Rafaqat are very happy and thankful to GBTI and LACIP-KfW-PPAF on this type of help which improved their livelihood.

ii. Community Livelihood/Investment Fund (CLF/CIF)

The Community Investment Fund (CIF) is a community-managed model in which small microloans are provided to poor households. However, what is unique in CIF is the fact that not only does it provides access to much-needed amount for income generating activities; it also builds the confidence and capabilities of poor rural women. The reason for this is because in CIF it is women who make the decisions and not external agencies. Therefore, decisions such as who to provide loan to, what type of plan are all decided by these organised women themselves. These decisions take place in their own community organisations, which are formed at neighborhood level and then federated at the village level. The model has only two conditions which cannot be waived by the community; firstly, that the fund should be used by poor women (using a poverty-identification tool, called the poverty scorecard) only for income generating activities and secondly that the fund should be used as a revolving fund. In this way, the managerial skills of VDO is also enhanced.

An activists workshop on Community Investment fund (CIF) is being organized regarding its utilization, management and keeping financial record.


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• Following is the status of Community Livelihood/Investment Fund (CLF/CIF);

Table 1: Community Investment Fund (CIF) as of Sep, 2018 Sr. No

VDOs Amount disbursed by

GBTI to VDOs/LSOs

Amount disbursed by VDOs/LSOs

Overall Categories No. of Ben No. of Ben

Total M F Agr Livestock Entr

1 LSO Surg 1,000,000 3,042,000 144 0 144 11 89 44

2 LSO Dakhnair 1,000,000 1,825,000 93 0 93 31 55 7

3 LSO Sarwala 400,000 834,000 54 0 54 0 8 46

4 VDO Sangat Jatial 100,000 205,000 9 0 9 0 4 5

5 Khushali Nartopa 500,000 940,000 36 0 36 8 20 8

6 VDO Janat Dhaki Shamsabad 500,000 690,000 26 0 26 1 8 17

7 LSO Kotha 1,000,000 3,205,000 147 0 147 0 43 104

8 LSO Umeed Maini 400,000 675,000 27 0 26 9 0 18

9 VDO Galla 200,000 275,000 11 0 11 0 2 9

10 LSO Khair Bara 78,100 120,000 5 0 5 0 2 3

11 VDO Essa 200,000 320,000 15 0 15 2 13

12 LSO Ghanghar Kotera 250,000 723,000 48 7 41 0 26 22

13 VDO Ghourghusti 500,000 540,000 18 0 18 0 6 12

14 VDO Kamra* 300,000

15 VDO Qazi Pur 300,000 330,000 11 0 11 0 5 6

TOTAL 6,728,100 13,724,000 644 7 636 60 270 314

*VDO Kamra has been given CIF fund recently who are planning to disburse loans to the poor community


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WISE Project WISE project comprises of following four components;

1. Water 2. Immunization 3. Sanitation and 4. Education

The importance of aforementioned components can’t be denied as they play a significant role in defining the quality of life of particular vicinity. WISE focused on improved quality of life of rural communities through improved immunization, increased enrollment of children at schools, safe disposal of solid waste and provision of safe drinking water by enhancing their knowledge and linking them to services.

Objectives of WISE The objectives and tangible targets of this project are as follows;

• Ensuring that 100% households consume safe drinking water

• Taking the coverage of immunization for children less than five years of age and women of reproductive age in the target areas rom current level to 100% and developing a sustainable system to maintain it at 100%

• Ensuring 100% households become habitual of proper disposal of Solid Waste and improve Sanitation conditions and a system of ensuring the disposal is developed and sustained.

• Taking the enrollment of school going children from current level to 100% and developing a system to maintain it at 100%

Keeping in view the said importance GBTI launched WISE project in its program area. Initially six union councils in the programme area were selected for the implementation of this

project in which survey of 100% households is being conducted to find out actual gaps. Progress as of Sep, 2018;

• After conducting survey of following five union councils the report on situation analysis have been developed to plan activities as per identified gaps in above mentioned components;

• Kharibara

• Kottah

• Dhaknair

• Maini

• Surg Salar

• Kotehra

• Capacity Building of 6 LSOs • A cadre of 64 CRPs trained under WISE

Programme • Enrollment increased from 94.6% to

97.6% • Immunization coverage increased from

47% to 75% in women • Immunization coverage increased from

43% to 72% in children (0-23 months) • 70 water tests have been done; 66% safe

and 34% unsafe (Chemically & Bacteriological)

• More than 2,160 Aqua tabs have been distributed

• Awareness raising sessions- 1,220 HHs have been educated

• Solid waste management Initiatives- 24 Dustbins have been installed/constructed

• Coordination with local shop keepers/community members for recycling and disposing the collected solid waste

• MoUs signed with District Government for smooth implementation

• Regular Coordination Meetings with Line Departments on monthly and quarterly basis

9. Rural Credit & Enterprise Development Programme (RCED)

The Community Organizations (COs) fostered by GBTI prepare Micro Investment Plans. Members prepare household-level MIPs and the CO prepares a group Micro Investment Plan. An analysis of the MIPs shows that while the COs as grassroots institutions are generally interested in carrying out social sector projects such as schools, roads, and drinking water and sanitation schemes, individual members are most interested in carrying out income-enhancing activities. This usually requires training or financial capital – sometimes both – to begin or expand an income generating activity. GBTI has created a programme of skills enhancement and a credit line to meet these household level needs. RCED’s primary role is to ensure that the credit funds are available to the poor households through COs and groups.

During the period (Jul-Sep, 2018-19) GBTI has disbursed 4,346 loans with an amount of Rs.157,313,400 covering agriculture-inputs, livestock & enterprise development through different fund sources. While the outstanding portfolio is Rs.313,645,974. (Detail is given in Tables 10, 10a, 10b)

Table 2: Donor wise credit disbursement

Donor/Source of Fund Particulars As of Jun, 2018 During the period

(Jul to Sep, 2018)

As of Sep, 2018

PPAF No. of Loans 9,178 - 9,178 Amount 160,425,000 - 160,425,000

PM's IFL (PPAF) No. of Loans 10,678 902 11,580 Amount 304,550,000 36,830,000 341,380,000

MC- Reflows (PPAF) No. of Loans 4,080 - 4,080 Amount 100,000,000 - 100,000,000

GBTI (MC) No. of Loans 63,962 2,832 66,794 Amount 1,278,512,000 86,110,000 1,364,622,000

GBTI (KSS) No. of Loans 2,679 612 3,291 Amount 149,163,550 34,373,400 183,536,950

Total No. of Loans 90,577 4,346 94,923

Amount 1,992,650,550 157,313,400 2,149,963,950

Credit Staff Training is being conducted


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Karobari Sarmaya Scheme (KSS)/Business Financing Scheme In January, 2016 Ghazi Barotha Taraqiatia Idara (GBTI) has launched a new opportunity/product named “Karobari Sarmaya Scheme (KSS)” following the Islamic mode of financing “Musharka” to support poor households, especially for those poor skilled persons who have lack of capital to start their own businesses. This financing is on sharing basis and its salient features are given below;

• The borrower must have at least three years of experience of related field for which he/she wants to take financing

• The business will be on partnership basis.

• GBTI will finance and share profit and loss equally, and it will be the responsibility of working partner to maintain its financial record.

• The ceiling of financing will be from Rs.10,000 to Rs.100,000 only.

• The borrower must be a local resident.

• The duration of agreement will be from six months to one year.

• In case of death GBTI will not charge its due amount disbursed.

During the period (Jan, 2016 to Sep, 2018) GBTI has disbursed an amount of Rs.183,536,950/- benefiting 3,291 households.

10. Pakistan Poverty Alleviation fund (PPAF)

Pakistan Poverty Alleviation Fund (PPAF) had the similarity in the objectives with GBTI. Various proposals for poverty reduction and development work were submitted and approved by GBTI under the Community Infrastructure Schemes (CPIs), community and staff training programme and Micro-finance programmes.

a) Community Infrastructure Schemes (CPIs) Funded by PPAF;

In 2001-2002, PPAF signed its first agreement with GBTI for the implementation of Community Infrastructure Schemes (CPIs) effective from July 2001 for one year. Later it was extended to coming years up to 2011. GBTI implemented 307 various projects/Schemes with financial support of PPAF amounting of Rs.92.116 million. In 2012 GBTI signed an agreement with PPAF (KfW) for Livelihood Support & Small Infrastructure Projects/Schemes (LACIP) for three union councils (Kottah, Batakra and Maini) of Swabi, KPK with the grant of Rs.136,150,000/- which was completed successfully in December, 2015 as per given detail;

LACIP-KfW-I;

• All 146 CPI’s have been successfully completed.

• 241 COs were formed/revitalized.

• 20 VDOs (Village Development Organizations) are formed.

• 485 COs members were trained in 26 events.

• 28 Staff members were trained in 02 events.

• 26 Exposure Visits were arranged.

• 02 LSO (Local Support Organization) are formed in UC-Batakra and Kottah.

In 2014 GBTI signed another agreement with PPAF (KfW-LACIP) for two more union councils (Kotehra-Harripur and Zarobi-Swabi) with the grant of Rs.118,000,000/- which was completed successfully in September, 2016 as per given detail;

LACIP-KfW-II; • 02 UCDPs (Union Council Development

Plans) were developed.

• 153 COs were formed/revitalized in two UCs i.e. Kotehra and Zarobi.

• 15 VDOs were formed/revitalized.

• 398 assets under LEP (Livelihood enhancement & protection) programme for the income generating activities.


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• 231 COs members trained in 13 events of CMSTs.

• 407 male members have been given vocational and skill trainings under different trades such as; Building Electrician, Civil Surveyor, A/C Mechanic and heavy machinery operators from NLC and IRM.

• 235 female have been completed their vocational/skill trainings for advance tailoring, bed sheet making, cousion making and hand embroidery.

• 15 Staff Officials were given training on “Community Based Disaster Risk Management” under ToT of LACIP-KfW-PPAF.

• 11 VDMCs (Village Disaster Mitigation Committees) formed and training of committee member have been completed (128 Beneficiaries).

• 10 EW “Early Warning” Trainings organized in boys and girls schools to mitigate disaster risks. (227-Beneficiaries)

• A Mock drill exercise conducted under the “DPM” Component of LACIP-KfW-Project. Main objectives of Mock drill were:-preparedness, understanding and practical demonstration of the community activists to mitigate disaster risks. (69-Beneficiaries)

• All 66 CPI’s have been completed in Harripur and Swabi under LACIP-KfW-PPAF-II programme.

In January 2017 GBTI signed a third agreement with PPAF (KfW-LACIP) for three union councils (Kottah, Maini and Zarobi) of Swabi, KPK with the grant of Rs.54.481 million. The project duration is only six month (From1st Jan, 2017 to 30th Jun, 2017);

LACIP-KfW Extension-III; • 70 COs were formed/revitalized in two

UCs i.e. Kottah and Maini.

• 09 VDOs were formed/revitalized.

• 109 COs members trained in 06 events of CMSTs.

• 48 projects committee members were trained in 2 events of O&M.

• 75 members from Local Support Organizations have been given trainings on the formulation of Union Councils Development Plan (UCDPs).

• 380 community members have been given trainings on different subjects including climate change adaptation practices, linkage development, value governance, sustainable development goals and disaster risk management.

• 09 Integrated Area Up-gradation Projects (IAUPs) have been completed comprising of 23 CPI’s including link roads, sanitations and cause ways for the eight villages.

b) Community and Staff Training Funded by

PPAF: In addition to above, GBTI also implemented a community and staff training programme with the financial support of PPAF amounting to Rs 1.268 million and trained 298 persons in different trades/subjects.

c) Micro-Credit Programme Funded by

PPAF: With the financial support of PPAF, GBTI is also taking up micro-credit programme side by side with its own programme as per given detail;

Before Link Road, FCO-Qiswa (UC-Kottah)

After Link Road, FCO-Qiswa (UC-Kottah)


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Prime Minister’s Interest Free Loan (PM’s IFL): Under this programme GBTI signed two agreements with PPAF for five union councils of Swabi and eight union councils of Harripur. So far GBTI has disbursed 11,580 interest free loans with an amount of Rs.341,380,000. A Team of ADB (Asian Development Bank) along with PPAF visited GBTI’s branch of PMIFL situated in district harripur and interviewed some of the beneficiaries in detail. After meeting with beneficiaries of interest free loans and staff they appreciated the work being done by the team of GBTI and real understanding of the programme delivery in support of poverty alleviation.

Freedom from wants; I am Fazeelat and I belong to a very remote village of Ali Zai Batakara Tehsile Topi Dist Swabi from Khyber Pakhtunkhwa. My family was very poor and we were hardly able to make our bread and butter. I am married and have 4 kids age between 8 years to 14 years. My husband was a mason and hardly made any money as the work is totally seasonal and depending upon available opportunity. My family life was not very good and I had to work to contribute towards the household expenditures and helping my children to go to school. We do not own any agricultural

land neither our resources were such to start off our own business. The relatives had also become stranger, if one is poor and living a hard life. So, we did not have any other source from where our life can depend on we were able to take off for any other work. There were no savings as what I and my husband made was hardly enough to meet our daily meals. Normally we looked for local loans in the events like Eid’s or to attend the wedding of any close relative. We often prayed to Allah to save us from illness as we did not make enough to meet the health expenditures.

An appreciation award has been granted by PPAF to GBTI on “Efficiency in Utilization of Funds” which is

the great honor for GBTI and its team as well

Shabnam Bibi from village Chamba, District Haripur is receiving award by Mr. Farid Sabir (GM-PMIFL) on the best utilization of loan amount under the PMIFL

scheme

Fazeelat Biti standing with her husband beneficiary under the PMIFL scheme


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In the end of 2014 I heard about the Prime Minister’s Interest Free Loan Scheme being launched in our village by (GBTI). Our living conditions compelled us to apply for this loan as we thought that Allah has brought us the opportunity to change our fates through this scheme. As we were not earning enough we decided to apply for the Livestock loan where the repayment is in one installment. I bought a calf for Rs. 10,000 I had taken as loan from the Scheme. After four months, due to Eid the calf was sold at a price of Rs. 40,000 (PSC: 25) leaving a net saving of Rs. 30,000 at our end. I and my husband decided that rather using this money for our expenditure, we need to invest it in some business to increase the monthly income of the family. Then I had applied for a second loan for a business of Karyana Store. My second loan was of Rs. 20,000 (PSC: 30) and with the investment of my own savings of Rs. 30,000; we have managed to open a store with variety of items available. In March, 2017 I had received another loan Rs.30,000/- (PSC:40) for the further improvement of our karyana shop. We are now Masha Allah living a better life and enjoying it more. The

relatives that in the past were not even recognizing us as their known now meet us with smile. In future, I wish to have my own business setup in Urban Area and my ambition is to give my children their own house with better facilities. Moreover, recently my son has completed a course of medical store I wish to open a medical store for him.

She received three loans as per given detail;

Sr. No Loan Amount (In Rupees) Date of Disbursement

1 10,000/- 05/12/2014 2 20,000/- 06/11/2015

3 30,000/- 07/03/2017

11. Micro Health Insurance Programme (MHI)

Micro Health Insurance offers limited protection at a lower contribution. Aimed at poor segment of the population and designed to help them cover themselves collectively against risk. Events such as death, illness or accidental disability brings severe consequences of the poor households. Especially if a bread earner falls ill or faces an accidental death/permanent disability, the household becomes vulnerable to economic shocks. Micro Health Insurance facility is one such instrument for the social protection of the poor. In this regard GBTI signed agreements with Insurance Companies and providing health facility to its credit clients at possible minimum low rate;

• Premium: Rs.200/-

• Sum Insured: Rs.15,000/ which includes all hospitalization treatment.

• Maternity Limit /Child Birth: Rs.10,000/-

During the period (Jul-Sep, 2018) the total amount of Rs.688,800 collected as a premium from 3,444 persons regarding micro health insurance. While seven claims have been reimbursed with an amount of Rs.93,220/- No. of health claims reimbursed; 07 No. of death claims reimbursed: 02 Detail is given in Table 11


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Table 3: Status of Agreement with PPAF

Years Donor Agreements Nature Duration Commitments Achievements Status

Units Amount Units Amount

2002-2003

PP

AF

Phase I CPIs 1 Yr 45 13,500,000 46 13,356,097 Successfully completed

2003-2004 Phase II CPIs 1 Yr 66 19,455,533 68 17,484,796 Successfully completed 2004-2005 Phase III CPIs 1 Yr 38 11,039,890 48 9,642,919 Successfully completed

2005-2008 Phase IV CPIs 3 Yrs 96 24,000,000 109 25,192,526 Successfully completed 2007-2008 Trainings Community

& Staff 1 Yr 123 1,268,000 235 1,114,375 Successfully completed

2009 - 2011 WMC Irrigation 2Yr 32 17,200,000 36 17,200,000 Successfully completed 2011-2012 Phase I Micro Credit

& Capacity Building

1 Yr 1,200 20,000,000 1273 20,000,000 Successfully Completed

2012-2014 Phase II Micro Credit & Capacity Building

2 Yr 4,190 70,000,000 4376 70,000,000 Successfully Completed

2015-2016 Phase III Micro Credit 1 yr 1,800 50,000,000 2493 50,121,000 Successfully Completed 2015-2016 MC-Reflows Micro Credit

Reflows 1 yr 800 20,000,000 1104 22,265,000 Successfully Completed

2012-2015 LACIP (KfW)-I ID and CPIs 2.5 Yr 206 136,150,000 146 136,175,288 Successfully Completed

2014-2015 LACIP (KfW)-II CPI's DPM, Livelihood, Trainings

1.2 Yr 1,342 118,000,000 1516 118,244,288 Successfully Completed

2014-2015 IS Training, Audit MIS & FIS

1 yr 1 850,000 1 850,000 Successfully Completed

2014-2018 PM's IFL (Swabi) Interest Free Loan

4 Yr 1,000 14,000,000 3592 102,245,000 Ongoing

2015-2019 PM's IFL (Haripur) Interest Free Loan

4 Yr 2,800 56,940,000 7988 239,135,000 Ongoing

2016-2017

LACIP (KfW) Ext-III ID and CPI's 6 Month 11 54,481,000 09 54,481,547 Successfully Completed

2016-2017

MC-Reflows Micro Credit Reflows

1 Yr 5,000 103,133,798 4,321 100,000,000 Successfully Completed

Statistical Summary


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Table 4: Status of Payment, Land and Affectees (AFC) (As of Sep, 2018)

Amount (Rs. In Million)

Province Total awarded amount

Amount paid %age Remaining %age

Khyber Pakhtunkhwa 1,170.99 1,165.06 99.49% 5.928 0.51%

Punjab 3,389.62 3,244.55 95.72% 145.07 4.28%

Total 4,560.61 4,409.61 96.69% 150.99 3.31%

Affectees

Province Total Affectees # of Affectees Paid

%age Remaining %age

Khyber Pakhtunkhwa 10,159 8,536 84.02% 1,623 15.98%

Punjab 26,799 21,951 81.91% 4,848 18.09%

Total 36,958 30,487 82.49% 6,471 17.51%

Land (Kanals-Marlas)

Province Land Required Land Awarded

%age Remaining %age

Khyber Pakhtunkhwa 25,643.00 25,640.03 99.99% 2.17 0.01%

Punjab 59,525.02 59,484.19 99.93% 40.03 0.07%

Total 85,168.02 85,125.02 99.95% 43.00 0.05%

Table 4a: Status of Awards announced (AFC)

Table 1a: Status of Awards

Province Total awards Awards announced Awards pending

Khyber Pakhtunkhwa 35 34 1

Punjab 132 126 6

Total 167 160 7

Table 4b: Categorization of remaining Project Affected Persons (PAPs)

Province

1-10,000

10,000-25,000

25,001-50,000

50,001-75,000

75,001-100,000

100,001 and above

Total

Punjab 3,793 534 244 114 60 103 4,848

KPK 1,267 178 82 40 36 20 1,623

Total 5,060 712 326 154 96 123 6,471

%age 78.20% 11.00% 5.04% 2.38% 1.48% 1.90%


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Table 5: GBTI's Programme Coverage (As of Sep, 2018)

District Region /Area

Union Council

HHs COs Membership HHs Coverage

(%age)

No. of

LSOs

No. of VDOs MCO FCO Total MCO FCO Total

Harripur Harripur 4 9,460 299 479 778 5,065 7,205 12,270 81.43% 3 13

Swabi Swabi 6 20,515 454 400 854 8,054 6,418 14,472 48.68% 3 32

Attock Sarwala 5 13,338 316 493 809 6,500 8,777 15,277 60.52% 5 15

Chachh 7 20,157 367 518 885 6,889 8,794 15,683 45.09% 5 21

Total 22 63,470 1,436 1,890 3,326 26,508 31,194 57,702 54.91% 16 81

Table 5a: Revitalization of Cos Social Mobilization During the Qtr (Jul-Sep)

Regions CO Formation Membership Savings

Men Women Total Men Women Total Men Women Total

Ghazi 3 3 47 47 750 750 Swabi 3 3 51 51 500 500 Sarwala 7 7 104 104 900 900 Chachh 8 8 120 120 800 800 Total 0 21 21 0 322 322 0 2,950 2,950

Table 5b: Social Mobilization (As of Sep, 2018)

Regions CO Formation Membership Savings Men Women Total Men Women Total Men Women Total

Ghazi 299 479 778 5,065 7,205 12,270 881,222 891,948 1,773,170 Swabi 454 400 854 8,054 6,418 14,472 1,882,363 1,383,243 3,265,606 Sarwala 316 493 809 6,500 8,777 15,277 1,572,709 1,356,642 2,929,351 Chachh 367 518 885 6,889 8,794 15,683 1,175,033 910,850 2,085,883 Total 1,436 1,890 3,326 26,508 31,194 57,702 5,511,327 4,542,683 10,054,010


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Table 5c: Local Support Organizations (LSOs)

District Region/Area

No.of UC

Union Council

LSOs Registration Status

Executive Body

General Body

CIF / Revolving

Fund (Amount

in Rs.)

Total F Total F

Haripur Ghazi 4

Qazipur

300,000

Ghazi Ghazi Welfare Society No 8 2 14 2 200,000

Kotehra LSO Ghanghar Kotehra No 6 3 21 3 250,000

Khairbara Local Support Organization Shaheen

Yes 7 3 18 3 78,100

Swabi Swabi 6

Kottah Utman Welfare Society Yes 7 3 20 5 1,000,000

Batakra LSO Wada Batakra No 8 2 21 2 200,000

Topi East

Topi West

Maini Umeed Support Organization

No 8 3 18 3 400,000

Zarobi

Attock

Sarwala 5

Haji Shah Haji Shah Local Support Organization

No 7 3 18 3

Dakhnair Dakhnair Local Support Organisation

No 7 3 21 8 1,000,000

Kamra Al- Madad Welfare Society

Yes 7 3 18 6 300,000

SurgSalar Surg Salar Local Support Organization

No 7 4 20 4 1,000,000

Sarwala Sarwala Local Support Organization

No 7 4 16 4 400,000

Chach 7

Malik Mala Awami Welfare Society Barazai

Yes 7 3 21 6

Kaghwani

Ghorghoshti Ujala Welfare Society Yes 7 2 20 5 500,000

Jalalia Jalalia Local Support Organization

No 7 2 14 2

Nartopa

500,000

Bahadur Khan

Anjuman Falah-O- Bahbood

Yes 7 4 21 13 100,000

Shamsabad S.A.R.D Shamasabad Yes 7 4 21 11 500,000

3 4 22 22 16 7 114 48 302 80 6,728,100


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Table 6: HRD Programme Level Summary of Trainings

HRD Components Events/Beneficiaries As of Jun, 2018

During Qtr (Jul-Sep, 2018)

As of Sep, 2018

Community Management Skill Trainings (CMSTs)

Events 256 - 256

Men 2,207 - 2,207

Women 2,733 - 2,733

Subject Specific Trainings (SSTs) Events 462 3 465

Men 1,529 12 1,541

Women 8,261 19 8,280

Tech & Vocational Trainings (T&VTs)

Events 546 - 546

Men 2,389 - 2,389

Women 3,658 - 3,658

Staff Management Trainings (From July 2012 to date)

Events 106 4 110

Men 1,076 58 1,134

Women 601 9 610

Total Events 1,370 7 1,377

Total Men Beneficiaries 7,201 70 7,271

Total Women Beneficiaries 15,253 28 15,281

Total Beneficiaries 22,454 98 22,552

Table 7: Physical Infrastructure & Technology Development (PITD) as of Sep, 2018 Number of Schemes/projects completed

Scheme/project Type Projects Total Cost GBTI Share

(Rs.) Community Share

(Rs.) Beneficiary HHs

Communication 217 203,397,626 164,809,602 38,588,024 8,774

DWSS 76 22,760,780 17,650,242 5,110,538 1,681

Education 32 8,947,040 7,285,523 1,661,517 3,436

Health 6 1,983,097 1,744,267 238,830 535

Irrigation/Check dam 51 33,378,352 25,702,040 7,676,312 1,436

Sanitation 356 130,159,461 101,923,374 28,236,087 7,840

Protection Work (DPM) 46 26,500,225 21,976,160 4,524,065 4,849

Bio-Gas Plants 9 485,000 233,000 252,000 9

793 427,611,581 341,324,208 86,287,373 28,560


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Table 7a: Physical Infrastructure & Technology Development (PITD) as of Sep, 2018

Scheme/project Type Projects Total Cost GBTI Share (Rs.)

Community Share (Rs.)

Beneficiary HHs

Sarwala

Communication 22 587,727 463,018 124,709 1,170

DWSS 27 8,353,199 6,470,004 1,883,195 576

Education 12 4,385,999 3,488,143 897,856 1,536

Health 1 290,299 263,908 26,391 55

Irrigation 14 9,357,508 7,199,155 2,158,353 491

Protection Work (DPM) 10 1,528,564 1,168,737 359,827 2,060

Sanitation 87 21,474,997 16,557,092 4,917,905 1,856

Sub Total 173 45,978,293 35,610,057 10,368,236 7,744

Chachh

Communication 25 7,607,448 5,867,184 1,740,264 1,320

DWSS 4 1,123,178 894,582 228,596 90

Education 14 2,985,333 2,291,123 694,210 1,400

Health 3 1,110,408 1,033,398 77,010 360

Irrigation 14 8,030,213 6,169,252 1,860,961 390

Protection Work (DPM) 4 371,440 285,065 86,375 495

Sanitation 93 29,907,431 22,982,292 6,925,139 2,233

Sub Total 157 51,135,451 39,522,896 11,612,555 6,288

Ghazi

Communication 42 35,511,508 28,475,613 7,035,895 1,655

DWSS 39 12,057,820 9,334,817 2,723,003 878

Education 3 1,458,891 1,416,605 42,286 200

Irrigation 15 11,497,998 8,858,779 2,639,219 357

Protection Work (DPM) 31 23,008,966 19,169,791 3,839,175 2,247

Sanitation 40 17,310,143 13,666,001 3,644,142 915

Bio-Gas Plants 9 485,000 233,000 252,000 9

Sub Total 179 101,330,326 81,154,606 20,175,720 6,261

Swabi

Communication 128 159,690,943 130,003,787 29,687,156 4,629

DWSS 6 1,226,583 950,839 275,744 137

Education 3 116,817 89,652 27,165 300

Health 2 582,390 446,961 135,429 120

Irrigation 8 4,492,633 3,474,854 1,017,779 198

Sanitation 136 61,466,890 48,717,989 12,748,901 2,836

Protection Work (DPM) 1 1,591,255 1,352,567 238,688 47

Sub Total 284 229,167,511 185,036,649 44,130,862 8,267

Grand Total 793 427,611,581 341,324,208 86,287,373 28,560


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Table 7c: Community Infrastructure Schemes (CPIs) completed with the financial support of PPAF

Years Agreements Units/ CPI’s Amount Beneficiary HHs

2002-2003 Phase I 46 13,356,097 2,109

2003-2004 Phase II 68 17,484,796 3,913

2004-2005 Phase III 42 9,642,919 2,705

2005-2008 Phase IV 109 25,192,526 4,822

2009 - 2011 WMC 36 17,200,000 695

2012-2015 LACIP (KfW)-I 146 136,341,159 3,703

2014-2016 LACIP (KfW)-II 66 70,188,771 2,317

2016-2017 LACIP (KfW)-Ext-III 23 52,379,469 1,266 Total 536 341,785,737 21,530

Table 8: Environment & Natural Resource Management

Activities As of Sep, 2018 Beneficiaries

Agriculture

Plants raised (Forest and Fruit) 378,691 6,375

Improved seeds (kg) 225,919 2,330

Fertilizer provided (01bag=50kg) 4,020 680

Potato seeds provided through CAVC (01bag=50kgs) 1,096 92

Guidance & Demonstration Plots 422 422

Sprayed Area (Acers) 606 195

Tunnel Vegetable (R&D) 5 5

Land Levelling 109 15

Orchard established/ Nursery 10 1,240

Agri-Machinery (spray machines) 25 350

Kitchen Gardens (Packets Seed) 2,934 1,890

No. of Soil Tests 1,019 270

Livestock, Poultry & Dairy Farming

Vaccination and De-worming of animals 58,158 4,870

Animals treated 17,914 5,972

Poultry units provided (01 units= 06 birds) 26,081 4,346

Honey Production (kg) 1,209 8

Quail Farms established 10 46

Dairy Farms established 2 2

No. of Clinics established (PMILS) 2 2

No. of CLEWS trained (PMILS) 2 26

Feed blocks provided for animals (kg)- Linkage 600 25

FLF Training 103 1,853

Other Activities

Programme Introductions, ENRM Awareness workshops, Camps, Field days 896 5,520

Pamphlets/Brochures/Calendars Distribution 6,335 9,220

Linkage with line Agencies 69 848


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Table 8a: Disaster Preparedness & Mitigation

DPM Activities Activities Beneficiaries

Staff training on Community Based Disaster Risk Management (CBDRM) 1 15

Village Disaster Mitigation Committees (VDMCs) formation 11 128

Early Warning” Trainings 10 227

Mock drill to mitigate disaster risks 1 69

Development of ICE Material 7 8,500

Table 9: Gender and Social Sector Services (GSSS)

Activity As of Jun, 2018 As of Sep, 2018

Act Ben Act Ben

Gender 158 15,718 158 15,718

Gender Sensitivity Workshops (staff) 6 117 6 117

Gender related awareness in community 19 459 19 459

NADRA Camps 133 15,142 133 15,142

Women Empowerment 693 6,499 693 6,499

Destitute linkages 55 80 55 80

Presentation skills training 40 400 40 400

Establishment of vocational centres 8 625 8 625

Women’s business promotion 2 150 2 150

Women’s legal issues addressed 13 13 13 13

Facilitation in establishing/reactivation of COs, CCBs 7 1,300 7 1,300

Poverty Targeting Fund (LEP) 568 3,931 568 3,931

Educational Promotion 36 3,587 36 3,587

School endowment 2 275 2 275

Schools improvement 12 1,828 12 1,828

Community teachers training 9 1,200 9 1,200

Literacy programme (office bearers) 2 40 2 40

CO based Pre-Nursery Schools 3 34 3 34

Adult/Child literacy programme events/campaigns 8 210 8 210

Health Promotion 1,075 39,159 1,161 40,970

Health awareness workshops 422 12,395 465 13,688

Health awareness seminars 12 2,774 12 2,774

Traditional birth training 85 85 85 85

Medical camps/eye camps, anti-natal camps 430 15,121 473 15,639

TBA kits provided to trained TBAs 95 95 95 95

Dialysis kits provided to DHQ for poor patients 12 180 12 180

Local NGOs reactivation/capacity building 5 5,060 5 5,060

Dispensary Improvement/Reactivation 5 1,279 5 1,279

Solid Waste Management 9 2,170 9 2,170

Total 1,962 64,963 2,048 66,774


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Table 10a: Rural Credit & Enterprise Development

Sources of Funds As of Jun, 2018

During the Qtr (Jul-Sep, 2018) As of Sep,

2018 PPAF GBTI Total

PM's IFL KSS MC

Total Disbursement (Amount)

1,992,650,550 36,830,000 34,373,400 86,110,000 157,313,400 2,149,963,950

Men 241,596,500 - 21,353,400 975,000 22,328,400 263,924,900

Women 1,751,054,050 36,830,000 13,020,000 85,135,000 134,985,000 1,886,039,050

No. of Loans disbursed 90,577 902 612 2,832 4,346 94,923

Men 9,772 - 329 31 360 10,132

Women 80,805 902 283 2,801 3,986 84,791

Agriculture (Amount) 7,682,500 - - - - 7,682,500

Agriculture (No. of loans) 928 - - - - 928

Men 772 - - - - 772

Women 156 - - - - 156

Livestock (Amount) 520,911,500 15,180,000 1,615,000 8,885,000 25,680,000 546,591,500

Livestock (No. of loans) 25,097 393 33 279 705 25,802

Men 3,354 - 16 2 18 3,372

Women 21,743 393 17 277 687 22,430

Enterprise Development (Amount)

1,463,751,550 21,650,000 32,758,400 77,225,000 131,633,400 1,595,384,950

Enterprise Development (No. of loans)

64,540 509 579 2,553 3,641 68,181

Men 5,986 - 303 29 332 6,318

Women 58,554 509 276 2,524 3,309 61,863

Small Infrastructure Individual Enterprise (Amount)

305,000 - - - - 305,000

Small Infrastructure Individual Enterprise (No. of loans)

12 - - - - 12

Men 6 - - - - 6

Women 6 - - - - 6

Beneficiary Cos/Groups 17,626 264 482 830 1,576 19,202

Men 1,994 - 246 14 260 2,254

Women 15,614 264 236 815 1,315 16,929

Mixed 18 - - 1 1 19

No. of Active Loans 18,128 3,524 2,153 11,276 16,953 16,953

Outstanding Portfolio 302,028,676 69,331,059 85,463,434 158,851,481 313,645,974 313,645,974


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Table 10b: Region Wise Loans and Disbursement During the Qtr (Jul-Sep, 2018)

Tehsil/Region Gender No. of loan/amt PPAF GBTI Total

PM's IFL KSS MC

Chach Men No. of loan 70 1 71

Amount 4,275,000 30,000 4,305,000

Women No. of loan 16 254 270

Amount 1,130,000 7,920,000 9,050,000

Sub Total No. of loan - 86 255 341

Amount - 5,405,000 7,950,000 13,355,000

Sarwala Men No. of loan 47 27 74

Amount 1,525,000 25,935,000 27,460,000


Amount 845,000 2,682,900 3,527,900


Amount - 2,370,000 28,617,900 30,987,900

Ghazi Men No. of loan 19 19

Amount 1,460,000 1,460,000

Women No. of loan 294 5 33 332

Amount 12,175,000 210,000 1,255,000 13,640,000

Sub Total No. of loan 294 24 33 351

Amount 12,175,000 1,670,000 1,255,000 15,100,000

Swabi Men No. of loan 29 29

Amount 1,865,500 1,865,500


Amount 10,530,000 600,000 11,130,000

Sub Total No. of loan 213 37 - 250

Amount 10,530,000 2,465,500 - 12,995,500

Fateh Jang Men No. of loan 22 22

Amount 1,355,000 1,355,000


Amount 625,000 8,005,000 8,630,000


Amount - 1,980,000 8,005,000 9,985,000

Jand Men No. of loan 50 1 51

Amount 3,525,000 30,000 3,555,000


Amount 2,365,000 5,755,000 8,120,000


Amount - 5,890,000 5,785,000 11,675,000

Pindi Gheb Men No. of loan 68 68

Amount 4,590,000 4,590,000


Amount 705,000 4,320,000 5,025,000


Amount - 5,295,000 4,320,000 9,615,000

HasanAbdal Men No. of loan 6 6

Amount 340,000 340,000


Amount 500,000 2,695,000 3,195,000


Amount - 840,000 2,695,000 3,535,000

Haripur Men No. of loan 18 2 20

Amount 1,260,000 70,000 1,330,000

Women No. of loan 395 130 985 1,510

Amount 14,125,000 5,360,000 29,250,000 48,735,000

Sub Total No. of loan 395 148 987 1,530

Amount 14,125,000 6,620,000 29,320,000 50,065,000

Total Men No. of loan - 329 31 360

Amount - 20,195,500 26,065,000 46,260,500

Women No. of loan 902 283 2,801 3,986

Amount 36,830,000 12,340,000 61,882,900 111,052,900

Grand Total No. of loan 902 612 2,832 4,346

Amount 36,830,000 32,535,500 87,947,900 157,313,400


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Table 11: Micro Health Insurance Progress

Micro Health Insurance As of Jun, 2018 During the Qtr (Jul-Sep, 2018)

As of Sep, 2018

Total # of Person Insured 76,851 3,444 80,295

Men 10,599 360 10,959

Women 66,252 3,084 69,336

Premium Collected (Rs.) 13,905,510 688,800 14,594,310

Total # of Claims received 522 7 529

Claims Approved & Reimbursed 390 7 397

Claims in verification process 2 - 2

Claims Rejected/Pending 130 - 130

Amount Reimbursed (Rs.) 5,103,320 93,220 5,196,540

Number of Health Cases 258 5 263

Number of Death Cases 132 2 134


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Ghazi Barotha Taraqiati Idara “Licensed under section 42 of the Companies Ordinance (1984) with the assistance of WAPDA”

Registered Office Office # 7, Park Road, Sunrise Avenue,

Chak Shahzad, Islamabad Tel: +92-51-8746605

Field Head Office

Off. GT Road, Opposite Old PWD Rest House, Hattian, District Attock,

Tel: +92-57-2640201 Fax: +92-57-2640202 Web: www.gbti.org.pk

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