Workshop on South Asia Social Insurance Delivery Systems - Bangkok, Bangkok, Thailand - January 14-16, 2019

The experience in Pakistan

Naveed Akbar

Additional Director General

Benazir Income Support Programme

Government of Pakistan

Two types of Registries:-

➢Civil Registry being maintained by National Database Registration Authority(NADRA)

➢Socio-Economic Registry(NSER) being maintained by Benazir Income Support Programme

Type of Registries

Introduction of NADRA

(National Database Registration Authority)

OVERVIEW

NADRA

Above Sixteen

thousand Employees 560

Registration Centres; 14 Overseas

234 Mobile Vans; 44

Semi-Mobile Units

Two data-centres 150 miles apart

1,000 servers and

9,000 computers

128 Million Identities

Issued

106 Million Identity

Cards Issued

128 Million Facial

Images

800 Million Fingerprints

ID’s4

NADRA PROJECTS

Arms License (Punjab,Sindh,Federal)

ERRA, Livelihood Project, Housing project

Vehicle Registration Card (ETO - Islamabad)

E-Toll Collection System

ECP, Data Entry and Production of Electoral Rolls

National Identification System

DGIP, Machine Readable Passports and Visa

FIA, Integrated Border Management System

MOI, Safe City Islamabad

Prime Minister Health Program

Benazir Income Support Program

Punjab Kissan and Imdadi Package(KPIP)

Kiosk and e-Sahulat

Watan Card, Phase 1 & II

UNHCR, Afghan National Registration

5

Pakistan Engineering Council

Pension and Zakat Disbursement System

Tax Payers ID

SMS Services (7000, 8400, 8300, 8008)

Pakistan card

INGO Registration

Sindh Employee card

National Alien Registration System

Biometric Verification Services

Civil Registration Management System

National Action Plan

Frontier Corps Cards Production

contd...

6

BISP Project WFP-Cash for Food for IDPs

CDCP for Flood Affectees

Pakistan Card TDP-ERP Project

NADRA’s support to Safety Nets Response

Virtual Accounts Created: 8.62 Million, Amount Disbursed = US$ 1.15 Billion,

Introduction of NSER

(National Socio-Economic Registry)

9

Core Initiatives

Unconditional Cash Transfers (UCT)

5.6 million beneficiaries

Rs. 5000($40) quarterly stipend

Rs.650 billion($5Billion) disbursements (since inception)

Conditional Cash Transfers (CCT): Waseela-e-Taleem (WeT)

2.7 million children enrolment

Rs. 750/- quarterly stipend

Rs. 10 Billion($74 Million) disbursements

Operational in 50 districts

Overview of BISP

2010-11(Completed)(PAPI) 2016-19(Update)(CAPI)

• Door to Door Survey conducted

• 27 Million HHs and 155 Million covered (87% of the PoP.)

on 23 indicators

• Education, Employment, Marital, Gender, Age,possession of CNIC and disability status of each individual

• No. of rooms, type of latrine, vehicles, electronic and Gas appliances, type of livestock, cultivable land of each HHs

• PMT 16.17 eligibility cut-off (scale 0- 100)

• Ever Married Women and differently-abled

• Update is essential after every 5 years

• Coverage of 32 M HHs and 198 M Pop. Planned (3.8 m

HHs and 19.72 m Pop covered in 14 districts on 45indicators)

• Education, Employment, Marital, Gender, Age,possession of CNIC, chronic disease and disability statusof each individual

• No. of rooms, type of latrine, vehicles, electronic andGas appliances, type of livestock, cultivable land of eachHHs, Water source etc.

• PMT 27.83 eligibility cut-off (scale 0-100)

• Inclusion of differently-abled, senior citizens+65, unmarried women+40 and transgender

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National Socio Economic Registry (NSER)

Use of NADRA for BISP’s systems

NEED FOR A SEPARATE REGISTRY AT BISP

• Reliable data enables policy makers to rightly target the poor and vulnerable.

• NADRA being only a civil registry could not cater to the socio economic data needs of the country

• Therefore, BISP pioneered in targeting the poor through scientific mechanism

• BISP’s National Socio Economic Registry (NSER) ensures that:

• The supply side (Government, Ministries, Programmes etc.) benefits from a centralized pool of accurate and

overarching data.

• It makes future implementations more time efficient less cost intensive.

• The demand side (beneficiaries) benefits from tailored Programmes and a better coverage of benefit distribution;

• It can identify individuals that receive multiple benefits from different Programmes.

• It ensures redistribution can take place leading to a higher level of equity amongst the population.

• NSER can detect supply sided restraints and shift resources to those Programmes that have a deficit of coverage;

• BISP integrated it’s database with NADRA and uses it for verification, payments and compliance

Criteria to Determine the Unique Identification of People

• People are identified through CNIC and family tree matching withNADRA;

• At the time of payment, individual beneficiaries are verified throughBiometric verification;

• The criteria for the identification of a beneficiary involves:

➢ An eligible household with an ‘Ever Married Woman’ having a validComputerized National Identity Card (CNIC)

Challenges in the Construction of Unique Identifiers for People & Households

• Assuring that every person, household, location etc. has a unique identifier is a crucialstep in the survey design to:

➢Avoid duplication; and

➢Be able to track which response belongs to which household/member;

• Challenges in this regard has although not been many in the past, but few of the keypoints to mention includes the following :

➢People were found registered at multiple places;

➢A single paper form bearing a unique code was photocopied and used for data collectionof different households;

➢There had been instances, where paper forms in bulk were scanned twice by NADRA;

Tool/s Developed to Address the Challenges

• The issue of unique identifier for people was resolved through CNIC verification fromNADRA;

• For children, ‘Form-B’ was introduced as a unique identifier, but not many of these could beenrolled;

• To resolve the issue of photocopied forms used for different households, the followingapproach was adopted:

➢After the forms were scanned, the scanned image was assigned a unique ‘Scanned ID’ in addition to the oneprinted on the paper form;

➢The number of Scanned IDs generated against one form number were compared with the one originallyassigned to the form by BISP;

➢All such households that were registered against one ID were then allocated a unique identifier before tostore them in the system;

➢Forms that were scanned twice were identified through system and marked duplicated;

Tool/s Developed to Address the Challenges

➢The use of CAPI approach has enabled BISP to generate and assign unique identifiers tothe data stored in the Electronic Registry Form (ERF);

➢A separate application for generation of receipt bearing a unique QR code has beendeveloped and is administered by BISP;

➢Receipts with unique codes are generated in PDF file by specifying the range of anumber to Start from and End with;

➢The PDF files are shared with POs to print coloured receipts in the required quantity;

Tool/s Developed to Address the Challenges

➢The surveyor during enumeration scan the QR code using a built in feature ofthe data collection app to assign the unique number to the form;

➢The filled receipt is provided to respondent for their record and later use;

➢CNICs of household members are also used as a second level unique identifierto ensure no two forms have same CNICs;

➢During the last survey, forms with duplicated CNICs were to be dealt withBISP’s CMS.

➢This time around, duplication is checked instantly as the forms are uploaded tosever and are returned to field in case any is marked as duplicated;

Data Driven Interventions

18

Agriculture

01Hygiene

03

Disabilities

02Water

04

Targeted Subsidies interventions

Housing Asset data can lead to devise interventions to enhance household hygiene

Helping Differently Abled Water source

data analysis for interventions

© 2018 Benazir Income Support Programme

BISP will send letters to Beneficiaries having unverified status to update status with NADRA for collection of BC

NADRA office for update

BISP Letterto unverifiedBeneficiaries

YESCAMP

ENTRY

EXIT

BISP Letter

NO

BISP HelpdeskBISP camp office will check the status from

NADRA List n issue new letter

NADRA Verification Counter

Verified YES

TELCOCOUNTER

BISP Distribution Camp BANK COUNTER

VerificationBenazir Card

NADR’s ROLE DURING BENAZIR DEBIT CARD DISTRIBUTION PROCESS

Disbursement of Funds through BVS

BISP

Transfer of Funds

Data Transfer(Disbursement File and Disbursement Instructions)

Financial Assistance

Transfer/ Bulk Disbursement

NADRA Services are Hired by Partner Bank

Withdrawal through BVS

Visit to Franchise/Retai

lerPOS

21

© 2015 Social Protection and Labor, World Bank. All Rights Reserved.

Pakistani National (holding

CNIC)

BISP beneficiary

family

4-12 years Children

Agree to participate in the CCT Program

EligibilityCo-Responsibilities

✓ Simple✓ Easy to understand✓ Easy to monitor✓ Linked to transfer

Maintain at least 70% quarterly

attendance

Admission into Primary School

Collection of quarterly compliance data

Rs. 750 (US$ 7) per child per quarter

Exit and Graduation Policy

After a maximum of 6 years in the program, or 3 consecutive non-

complianceCompleted primary education

CCT DESIGN FEATURES

Children enrolled on the basis of B-form issues by NADRA

Thank You…….