Meeting the targets set by Millennium Development Goals: Establishment of largest & transparent Social Safety Net . Eradication of extreme & chronic poverty Empowerment of women

1. 1
BISP
BENAZIR INCOME SUPPORT PROGRAMME
Government of Pakistan
www.bisp.gov.pk

2. Vision, Mission & Objectives
 Meeting the targets set by
Millennium Development Goals:
 Establishment of largest &
transparent Social Safety Net .
 Eradication of extreme & chronic
poverty
 Empowerment of women
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3. Establishment-BISP
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BISP (HQ)
Islamabad
Regional HQ
Punjab
Divisional
Directorates (9)
*Tehsil Offices
(175)
Regional HQ
Sindh
Divisional
Directorates (7)
Tehsil Offices
(126)
Regional HQ
KPK/FATA
Divisional
Directorates (7)
Tehsil Offices
(117)
Regional HQ
Baluchistan
Divisional
Directorates (6)
Tehsil Offices
(82)
Regional HQ
AJK/Gilgit
Baltistan
Regional
Directorates (6)
Tehsil Offices
(50)
Regional Head Quarters 6
Divisional Directorates 35
Tehsil Offices 550
* Complaints redressing and monitoring offices, establishment under process.

4. BISP Initiatives
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5. Cash Grants
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 To compensate marginalized and low income families.
 Scientific Targeting based on POVERTY SCORECARD SURVEY.
 Payment through Money Orders, Mobile Banking & Smart Card.
 A cash grant of Rs.2,000/- every alternate month
 Beneficiaries: 4 million families.

 Total Cash Grant Disbursements: more than Rs.70 Billion
 Target: 5 - 7 million families by June 2011.

6. Improved Targeting
Poverty Scorecard Survey
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First time ever in Pakistan, a
Proxy Means Testing based
POVERTY SCORECARD SURVEY
is being conducted in the entire
country to improve targeting and
have an objective assessment of
the poverty.

7. Poverty Scorecard Survey
 Pilot phase of this survey was done in 16 districts from all
over Pakistan.
 Nationwide Survey has also been completed in Baluchistan,
AJK, and Gilgit Baltistan. In total 60% of the country has been
surveyed.
 Data entry is simultaneously going on in NADRA.
 Approximately 1 million families have already been identified
in 38 districts whose data entry has been completed.
 Nationwide Survey is planned to be completed by June 2011.
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8. Payment Mechanisms
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Transparency is the keystone of BISP’s functions. Initial mode of
payment was through money orders. Now BISP is planning to
modernize the payment mechanism by introducing technology
based solutions through BENAZIR SMART CARDS / BRANCHLESS
BANKING.

9. Payment Mechanisms
 For cash grant payments, transition from manual payments
(money orders ) to BENAZIR SMART CARD has started in
selected districts (Mirpurkhas,Sanghar, Mianwali, and Multan).
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10. Payment Mechanisms
 Approximately 174,000 beneficiaries have
already received BENAZIR SMART CARDS
 Mobile Phone Banking has also been started in
selected districts (Larkana, Layyah, Barkhan,
and Batagram).
 More than 32,000 mobile phones have already
been distributed in pilot district free of cost.
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11. Payment Mechanisms
• Card to Phone
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12. Payment Mechanisms
• Card to Point of Sale
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13. Waseela-e-Haq
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1- Identification
of business.
3- Necessary
training required
to execute the
identified
business.
2- Counseling
regarding choice
of business.
4- Monitoring and
evaluation of
business. *
* Against already determined
Objectively Verifiable Indicators (OVI’s)
Long-term interest-free financial assistance of Rs.300,000, along
with basic training & counseling, is given to randomly selected
beneficiaries for small businesses.

14. Waseela-e-Haq: Salient Features
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 Offers long term interest free returnable financial assistance
through computerized balloting to randomly selected
beneficiaries.
 Based on the premise that marginalized families have skills,
which remain unutilized and untapped
 Alternative to the conventional banking system, which rejects
the poor classifying them non-creditable.
 . Based on personal trust instead of any collateral.
 So far more than 14000 families have been pre-qualified in 17
draws.

15. Waseela-e-Rozgar
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Training
Facility &
Trainers
Choice
of
Training
Boarding
and
Lodging
Training
Expenses
Beneficiary
or her
Nominee
Demand driven, free of cost,
technical & vocational training is
offered to one individual per
beneficiary family.

16. Waseela-e-Rozgar: Salient
Features
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 Domestic as well as international markets’ demand has been
ascertained through Ministry of Labour & Manpower
 Certificate-based skills as well as in-house or product-based
training
 BISP, through partner organizations, is providing guidance &
counseling to the trainee; vocational training facilities; and
professional trainers
 Duration of offered trainings is: 4 weeks, 3-6 months and one
year
 Trainings have already been started in Bannu and Karak districts

17. Waseela-e-Sehet
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Designed to Improve access to health services
and reducing income loss of the already
marginalized due to health related expenditure
PATIENT
WITH
BENAZIR
HEALTH
CARD
BISP DESK
IN EVERY
DESIGNATED
HOSPITAL
BISP
DESK
POS TERMINAL
REFERAL TO
CONCERENED
SECTION
DISCHARGE
INVOICE
COMPUTERIZED
DEDUCTION
FROM THE
ACCOUNT
OF USER

18. Waseela-e-Sehet: Salient
Features
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First Phase
 Life Insurance of Rs. 100,000 provided to the bread earner of the
beneficiary’s family
 Approximately 1 million beneficiary families have been provided
life insurance
Second Phase
 Health and Accident insurance cover will be provided to all
members of beneficiary's families
 Maximum benefit cap of Rs.25000/- per family per year
 Benazir Health Cards (Biometric cards ) will be issued to
enrolled families

19. Emergency Relief Package
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Addresses the urgent financial needs of the
families affected by any emergency.

20. Emergency Relief Package
 BISP reached flood affectees immediately due to availability of
a current and extensive data base.
 Financial assistance provided to:
 Victims of 2010 Floods
 IDPs of Swat, FATA and Bajur.
 Civilian bomb blast victims.
 Earthquake affected families in Baluchistan
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21. Emergency Relief Package
Area Nature of
Emergency
No. of
Beneficiary
Families
Benefits
Disbursed
(in Rs)
Benefits
Disbursed
(in $)
All Over
Pakistan
Floods of 2010 978,888 4.6 B 54 M
Swat/Malakan
d
IDPs 318,126 3.82 B 45 M
FATA/Bajur IDPs 3965 28 M 0.3 M
All over
Pakistan
Bomb blasts 1500 17 M 0.2 M
Baluchistan Earthquake 3729 71 M 0.8 M
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Following disbursements have been made to the
families affected by emergency.

22. Separation of Functions
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To further ensure transparency BISP has adopted
following separation of functions:

23. 23
Following initiatives have been taken for the first time in the
history of Pakistan:
Technology Based Transparency
Targeting
Verification
Payments
Grievance
Redressal
PMT based Poverty Scorecard
Survey using GPS.
Through State of the Art NADRA
Database.
Smart Card/ Mobile Banking/
Branchless Banking.
Solutions based management
information system.

24. Donor’s Support
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Due to the transparency, objectivity and efficacy of the
programme international financial institutions and donor
agencies have shown full trust in BISP.
Major donors of BISP are:
 World Bank funded Social Safety Net Technical Assistance
worth (US$ 60 million)
 USAID support for cash grants – US$ 160 million
 Asian Development Bank support for cash grants – US$
150 million

25. Chairperson BISP Ms.
Farzana Raja on SAARC
Conference
• Chairperson BISP Ms. Farzana Raja on SAARC
Conference April 18, 2011
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27. Meeting with US Coordinator
• Meeting with US Coordinator Ms. Robin Raphel
at BISP Secretariat May 04, 2011
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28. Press Conference at BISP
Secretariat
• Press Conference at BISP Secretariat April 26,
2011
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30. Meeting with Swedish
Ambassador
• Meeting with Swedish Ambassador. April 26,
2011
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31. Vocational Training under
Waseela-e-Rozgar
• BISP Provides Demand Driven Vocational
Training under Waseela-e-Rozgar April 20 2011
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32. Chairperson BISP at National
Press Club Islamabad
• Chairperson BISP at National Press Club
Islamabad April 17, 2011
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33. High Level Pakistan Post
Delegation at BISP
Secretariat
• High Level Pakistan Post Delegation Headed by
Sardar Muhammad Umer Gorgaje, Federal
Minister for Postal Services March 28, 2011
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34. Visit to Kacha Garhi Camp
Visit to Kacha Garhi Camp near Peshawer and
launching of Benazir Smart Card
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35. Launching of Benazir Income
Support Programme at Sindh
• Launching of Benazir Income Support
Programme at different locations of Sindh
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36. Meeting with Ambassador of
Pakistan to UN
• Meeting with H.E. Mr. Hussain Haroon
Ambassador of Pakistan to UN June 24, 2009
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37. Function for IDP's held at the
President House.
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38. Waseela-e-Haq Sixth Draw
• Waseela-e-Haq(The Right Source) Ceremony
Sixth Draw April 04, 2010 at Naudero,Sindh.
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39. Waseela-e-Haq Fourth Draw
• Waseela-e-Haq(The Right Source) Ceremony
Fourth Draw January 19, 2010 at Governer
House Punjab.
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40. Waseela-e-Haq Third Draw
• Waseela-e-Haq(The Right Source) Ceremony
Third Draw December 10, 2009 at President
House Islamabad
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41. Inauguration of Complaint
Centre Rawalpindi
• Chairperson's Inauguration of Complaint Centre
Rawalpindi on Wednesday 19th May 2010.
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42. Ceremony of Waseela-e-Haq
(The Right Source)
• Ceremony at Naudero April 03, 2011
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43. Ceremony of Waseela-e-Haq
Programme
• Ceremony of Cheques distribution among BISP
beneficiaries under Waseela-e-Haq Programme
in Governor House Lahore March 24, 2011
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44. Launching of Mobile Phone
Banking
• Launching of Mobile Phone Banking - December
26, 2010
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Benazir Income Support Programme
BISP MEDIA WING:11112010
www.bisp.gov.pk