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

6. Environment & Natural Resource Management (ENRM)

Sapling plants 11,000

Biogas plants 100

Cost of biogas plants 4.52

Community share / Donor share 0.82 / 3.7

Kitchen gardening programme- Distribution of winter vegetable seeds (households) 5,490

No. of workshops organized / Participants 152 / 2,026 42 / 950 NA 194 / 2,976

7. livestock Development Programme

No. of animals treated 2,073,254

No. of animals dewormed 218,771

No. of animals vaccinated 700,565

No. of artificial insemination (AI) 13,911

8. Social Sector Services (SSS)-Education

Model Village School Project - No. of schools 1 2 NA 3

No. of students 118 46 NA 164

No. of teachers appointed 3 2 NA 5

No. of school council members 8 12 NA 20

No. of schools (QEFA) 55 41 NA 96

No. of students 8,212 5,191 NA 13,403

No. of teachers trained / teachers trained 175 / 168 130 / 170 NA 305 / 338

No. of school council members / members trained 478 / 125 206 / 61 NA 684 / 186

Operational cost (Rs. Million) NA NA NA 73.95

Funds utilized against missing facilities in schools (Rs. Million) NA NA NA 87.14

No. of schools in Ghotki 41 14 NA 65

No. of students 4,156 2,589 NA 6,745

No. of project teachers / No. of government teachers 64 / 06 21 / 08 NA 85 / 14

No. of schools in Rojhan 27 14 NA 41

No. of students 2,876 1,501 NA 4,377

No. of teachers 60 32 NA 92

No. of school council / no. of school council members 27 / 188 17 / 94 NA 41 / 282

Adult literacy centers (ALCs) / No. of learners 44 / 1,098 216 / 5,802 NA 260 / 6,900

10. Protective Learning and Community Emergency Services (PLaCES)

No. of static / mobile PLaCES established NA 13 / 26 NA 13 / 26

No. of children enrolled in static and mobile PLaCES 5,305 5,312 NA 10,617

No. of women enrolled in static and mobile PLaCES NA 2,962 NA 2,962

No. of child protection committees (CPCs) formed 26 26 NA 52

Membership of CPCs 208 208 NA 416

11. Combating Abusive Child Labour - II (CACL-II)

No. of worst form of children labour (WFCL) children enrolled in NFE 449 644 NA 1,093

No. of WFCL children mainstreamed in formal schools 301 516 NA 817

No. of WFCL children (15-17 years) enrolled in ALCs 878 1,338 NA 2,216

No. of mother group formed NA 119 NA 119

Distribution of training tool kits NA NA 411 411

12. ILM IDEAS - Second Shift Schools for Girls

No. of second shift schools established NA 30 NA 30

No. of teachers / teachers trained NA 57 / 32 NA 57 / 32

No. of students NA 944 NA 944

No. of school management committees (SMCs) formed NA 30 NA 30

13. Agriculture Implements to COs on subsidy

* No. of implements NA NA NA 628

Total cost of implements (Rs. Million) NA NA NA 16.0

* Chisel, Rotavator, Peter engine, Sugarcane Ridger, Wheat Drill, Ridger

NRSP Training & Resource Center - Rahim Yar Khan

We are specialist in Teachers training and capacity building

Because we believe that “Teacher” is the key of

transformation for quality education

Coming soon

Your feedback - National Rural Support Programme

JDW Sugar Mills Colony, Jamal Din Wali, Tehsil Sadiqabad, District

Rahim Yar Khan. Phone: +92-685672556, Fax: +92-5672002

Email: azharnrsp@gmail.com www.nrsp.org.pk

Combating Abusive Child labour - II (CACL - II)

Certificates & Toolkits Distribution Ceremony

On 20th Nov,

2012, NRSP

under CACL-II,

funded by EU

with technical

support from

ILO, organized

certificates and

toolkits distri-

bution ceremo-

ny for the pass

out vocational

training learn-

ers. On this oc-

casion eight

stalls of differ-

ent trades were

presenting

unique attrib-

ute of the

event.

These stalls

were collective-

ly installed by

mothers, boys

and girls who

received train-

ing in tailoring,

arc work, beau-

tician, motor

winding, motor-

cycle repairing,

and mobile

trades. Guests

and other par-

ticipants visited

their stalls and

acknowledged

their work.

Motor winding stall

Ms. Sadia Ainuddin (Development Advisor to

EU) is acknowledging project team efforts

Dr. Sono (CEO - SRSO) is expressing his views

A view of tailoring stall

The ground is full of participants

Ms. Sadia is awarding certificate & toolkit

Mr. Sujewa (Chief Technical Advisor-ILO) is

awarding certificate & toolkit

Tool kits of different trades