Regional Quarterly Newsletter Oct-Dec, 2012 Volume 17 NATIONAL RURAL SUPPORT PROGRAMME Rahim Yar Khan Microfinance & Enterprise Development Programme (MEDP) “Microfinance recognizes that poor people are remarkable reservoirs of energy and knowledge. And while the lack of financial services is a sign of poverty, today it is also un- derstood as an untapped op- portunity to create markets, bring people in from the mar- gins and give them the tools with which to help them- selves” Kofi Annan Inside In 2000, carrying the aim to serve the rural underserved community, NRSP initiated its micro- finance programme in district RYK. The major impact of NRSP’s microcredit include; Improved livelihood for men through agriculture loan (sugarcane, cotton, wheat and live- stock) and for women through enterprises loan. Enabled the rural community to break the shackles of local money lenders and arhties who charge them very high interest rate Imparted saving habit and ensured better health facilities through micro insurance Enlightened their future i.e. improved economic conditions enabled them to send their chil- dren to school To ensure optimum coverage of MEDP, NRSP RYK envisioned its programme for the next three years. Following figure (vision 2015) is depicting planning to expand its services for the rural community. Vision 2015 1-2 Why our clients prefer NRSP 3 QEFA- Sports week 4 ILM-IDEAS 4 PLaCES 4 CLEW case study 5 Vegetable seed distribution 5 NRSP region at glance 6-7 CACL-II: Certificate & tool kit distribu- tion ceremony 8
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Regional Quarterly Newsletter Oct-Dec, 2012
Volume 17
NATIONAL RURAL SUPPORT PROGRAMME
Rahim Yar Khan
Microfinance & Enterprise Development Programme (MEDP)
“Microfinance recognizes that
poor people are remarkable
reservoirs of energy and
knowledge. And while the lack
of financial services is a sign
of poverty, today it is also un-
derstood as an untapped op-
portunity to create markets,
bring people in from the mar-
gins and give them the tools
with which to help them-
selves”
Kofi Annan
Inside
In 2000, carrying the aim to serve the rural underserved community, NRSP initiated its micro-
finance programme in district RYK. The major impact of NRSP’s microcredit include;
Improved livelihood for men through agriculture loan (sugarcane, cotton, wheat and live-
stock) and for women through enterprises loan.
Enabled the rural community to break the shackles of local money lenders and arhties who
charge them very high interest rate
Imparted saving habit and ensured better health facilities through micro insurance
Enlightened their future i.e. improved economic conditions enabled them to send their chil-
dren to school
To ensure optimum coverage of MEDP, NRSP RYK envisioned its
programme for the next three years.
Following figure (vision 2015) is depicting
planning to expand its services for
the rural community.
Vision 2015 1-2
Why our clients
prefer NRSP
3
QEFA- Sports week 4
ILM-IDEAS 4
PLaCES 4
CLEW case study 5
Vegetable seed
distribution
5
NRSP region at
glance
6-7
CACL-II: Certificate
& tool kit distribu-
tion ceremony
8
As a tool for poverty alleviation NRSP’s MEDP
has provided credit to 191,488 clients in the
rural areas of two tehsils of the district; Rahim
Yar Khan and Sadiqabad. Men and women
from rural areas of these tehsils are utilizing
their loan to grow their farming and uplifting
their economic condition. NRSP RYK, in con-
sultation with field teams, planned filed unit
wise and year wise targets for loans so that ru-
ral underserved mass can benefit from NRSP’s
door step credit provision services.
Following graph is depicting filed unit level tar-
gets for vision 2015.
MEDP– Products
MEDP-Expansion at filed unit level
Strategic Re-
view of MEDP:
Consultants
visit to RYK
To carry out re-
gional level stra-
tegic review, risk
analysis and de-
velopment
of business plan,
Mr. Salim Jiwani
and Mr. Jamil Ahmad the consultants along with Mr. Tallat
Mehmood (PM-MEDP) visited NRSP RYK.
In the picture, team is conducting meeting with women clients re-
garding NRSP microcredit programme and their knowledge about oth-
er MFIs and how they differentiate NRSP’s microcredit from other
MFIs.
Doors step services - comprehensive briefing about
NRSP microcredit programme to its prospects
2
Zahoor Ahmed NRSP client since 2010 CO: Basti Moaj Ali “I had no ample
land to harvest
crops, but I have
uplifted my source
of income through
livestock. Thanks
NRSP that support-
ing me through its
client friendly mi-
crocredit pro-
gramme”.
Ashiq Hussain NRSP client since 2009 CO: Basti Kanjo “Process of disbursement is very
fast in NRSP that distinguishes it
from all other MFIs. Insurance
policy and saving concept is also
very beneficial for poor rural
community. The recovery rate is
also very appropriate, now we
never thought to take loan from
LML even they still present in
our village”.
Muhammad Auyob - NRSP client since 2010 CO: Jam Abdul Ghaffor “I am utilizing
my loan on live-
stock expan-
sion. But it only
happened after
becoming
NRSP’s client.
Taking loan
from LML remained
very bad experience.
Instead any positive
change, it troubled me
for the years. Now I
have loan with my
ample saving that can
be utilized in crucial
circumstances”.
Jam Hameedullah NRSP client since 2004 CO: Pir Gul Shah “Ten years back we were
forced to take loan on high-
er interest rates, in that
circumstance thinking about
prosperity was a dream.
From NRSP we receive loan
at the exact time when we
need money for meeting
irrigation expenses and pur-
chasing seeds without any
prolong proceedings”. Finally we got rid from
local money lenders
Why our clients prefer
NRSP
On the sound base of social
organization, NRSP’s MEDP
brought the opportunity for the
poor in the way to free them
from the clutches of local mon-
ey lenders (LML), who charge
them excessively high interest
rate and from those MFIs who
apparently charged low inter-
est rate but have huge hidden
costs in form of transport cost
(no. of visits by a client to MFI
office), bribery to credit officers
(to ensure credit provision) and
have to pledge their land and
pay Patwari fee.
Here NRSP’s clients are
sharing their experience and
problems they faced from local
money lenders, arhties, and
other MFIs before taking loan
from NRSP any why they prefer
NRSP over other MFIs and lo-
cal money lenders.
Noor Hassan Shah NRSP client since 2002 CO: Umar Din Telan “I always admire NRSP’s
efforts to eliminate poverty
by its microcredit pro-
gramme and multidimen-
sional developments in
form of CPIs, biogas plants,
and vocational trainings.
Indeed, NRSP is only organi-
zation that is truly contrib-
uting towards rural devel-
opment.”
As per rapid assessment, before NRSP, local
community was paying 50% to 245% interest
to local money lenders and arhties and average
fall around was 100% which is very high than
NRSP’s 28 % service charge.
Sultan Mehmood - NRSP client since 2009 CO: Pir Buxush “Why not I prefer NRSP
over other MFIs and LML
while I receive my loan
at my home without any
prolong delay, I even
never asked to pledge
my land, there is no brib-
ery concept, all the cli-
ents have equal importance and equally treated. We
don't find such attributes in any other MFI”.
3
4
ILM - IDEAS - Shikarpur - Enrollment Raising Campaign
Raising school enrollment
needs series of community
awareness campaigns. Door to
door enrollment raising walk at
village level is one of best meth-
odology of community aware-
ness campaigns for promoting
education in remote areas.
NRSP under ILM-IDEAS project,
conducted enrollment raising
walks for awareness and promotion of girls’ education. The project team along with school
teachers & students and officials of district education department Shikarpur warmly partici-
pated in enrollment raising walk.
Quality Education for All (QEFA) - Sports week
Protective Learning and Community Emer-
gency Services (PLaCES)
Initiated in Oct,2012, PLaCES has successfully established
39 protective centers (PLaCES) for providing urgent and im-
mediate protection services to flood affected children and
women in three districts (Jaccobabad, Kandhkot and Shik-
darpur) of Sindh. Under these PLaCES that were estab-
lished by UNICEF and NRSP, vulnerable community i.e.
children and women were provided information, services and referrals in health, nutrition,
water/sanitation, emergency education, protection and psycho social counseling.
These centers are also providing infor-
mation on how to report missing and
separated children, and incident re-
porting of violence, discrimination,
abuse and exploitation and seeking to
address problems and grievances
through humanitarian and government
partners. More over recreational activi-
ties are also done with children after
their school time.
In Oct,2012, QEFA schools celebrated sports
week. Sports participation was based on
inter/intera school competitions and initiated
through conducting an opening ceremony.
The objective of this fantastic event was to
promote physical and mental fitness. The
event remain full of fun and all the children
vigorously participated in different types of
games.
On last day of the event winning students re-
ceived their prizes.
Enrollment walk and students registration is continuing parallel
A view of sports week event
Vegetable Seed Distribution
Inducing people to grow vegetable at domestic
level is remained very productive exercise.
Many CO members who never put their atten-
tion to grow vegetables at domestic level now
highly prefer vegetable seed bags after realiz-
ing it as more economic input and more pro-
ductive output.
NRSP’s environment and natural resource
management (ENRM) sector is extensively fo-
cusing on provision of best knowledge and
practices to farmers regarding natural resource management, latest cropping techniques and
technologies to planting, harvesting and processing. The objective of this intervention is to cre-
ate a new trend of growing vegetables at domes-
tic level but also to provide cheap vegetables to
the people. One vegetable seed bag include dif-
ferent types of common vegetables like:
Carrot
Radish
Coriander
Onion & Garlic
Tomatoes
Livestock Programme
Community Livestock Extension Worker (CLEW)
Niaz Ahmed is the resident of village 198/NP, Union
Council 173/NP of tehsil Sadiqabad. In 2007, Niaz
received one month’s free of cost CLEWs training and
in 2008 he received artificial insemination (AI) train-
ing that initially supported him in form of employment
as a clinical assistant (CA) under NRSP’s PMSIL pro-
ject. After end of this project, he started his own work
at same clinic and continued his work. During his
tenure of working as CA, he got good knowledge and
experience to work independently.
Now Niaz is independently working in his own area so that he can
serve his own community. Niaz daily checks 15 to 20 cases of different kinds. Out of which
mostly are AI related cases. When asked about his income from this practice, he said that he
is easily earning Rs. 25,000 to 30,000 per month. As he is very proficient in livestock services
therefor his business is growing remarkably.
Niaz gives all the credit to NRPS behind its success. He said that what he is today is just be-
cause of the opportunities provided by NRPS for his brilliant future. He considered NRSP his
mother institution that nourished him. Niaz want to give his children advance & technical ed-
ucation so that they can get honorable status in society.
Nisar Ahmed at his own clinic
5
National Rural Support Programme - Rahim Yar Khan
Region at a Glance
The Canvas As of December, 2012
No. of Tehsils 2
No. of Union Councils Intervened / No. of Union Councils 58 / 63
No. of Villages Intervened / No. of Villages 474 / 649
Rural Population in Project Area 1,172,186
No. of Rural Household in Project Area 159,080
No. of Field Units 13
1. Social Organization Men Women Mixed Total
Community organizations (COs) formed 2,509 863 17 3389
Membership 32,133 8,031 NA 40,164
Saving (Rs. Million) 130.73 30.37 0.56 161.66
2. Micro - finance Enterprise & Development Programme (MEDP)
Credit disbursement (Rs. Million) 3,325.02 269.22 NA 3,594.24
No. of loans 169,812 21,319 NA 191,131
Active portfolio of loan (in million) 447.34 36.87 NA 484.21
Active borrowers 16,683 2,223 NA 18,906
Recovery rate cumulative (%) 99.70 99.90 NA 99.86
3. Micro Insurance
No. of insured persons 129,063 31,294 NA 160,357
Premium collected (Rs. Million) 15.78 2.08 NA 17.86
No. of insurance claim received / approved 446 / 385 217 / 189 NA 663 / 574
Amount of approved claims (Rs. Million) 5.10 1.97 NA 7.07
4. Physical Infrastructure & Technology Development (PITD)
Schemes completed 336 29 NA 365
No. of beneficiaries households 9,268 360 NA 9,628
Cost (Rs. Million) 168.61 4.67 NA 173.28
Community share (Rs. Million) / Donor share (Rs. Million) 48.25 / 120.35 1.1 / 3.57 NA 49.35 / 123.92
5. Human Resource Development (HRD)
Staff training 436 249 NA 685
Vocational training 413 947 NA 1,360
HRD - community training (CMST, BMST, LMST) 109 2,699 NA 2,808
Teachers training (QEFA, UCBPRP, PESRP, ILM-IDEAS, CACL-II) 1,728 2,085 NA 3,813
School council members training (QEFA, PESRP, UCBPRP) 6,827 5,493 NA 12,320