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Arshad Mehmood Head of ESAR Program 3rd Islamic Microfinance Forum 8th October 2013, Dubai-UAE

Vision Helping Hand as a Leader... Empowering lives, creating opportunities and strengthening the bond of humanity Mission Helping Hand is committed to serve humanity by integrating re-sources for people in need. We strive to provide immediate response in disasters, and effective programs in places of suffering, for the pleasure of God.

HHRD was established to fulfill the responsibility of Muslim community towards humanity regardless of race, gender, ethnicity, class, location, religion, color, cultural diversity and social background. Who feed the poor, the orphan, and the captive for the love of Allah, (saying) We feed you for the sake of Allah Alone; we seek from you neither reward nor thanks, for we dread our Rabbs (Lord) torment of a very distressful Day. (Quran Surah 76, verses 8, 9, 10)

Health Emergency Response Physical Rehabilitation ESAR Microfinance Skills Development Orphan Support Program Water for Life Infrastructure Development Education Seasonal Program In-Kind Donations Program Children with Disability Support

To facilitate and support livelihood opportunities and microenterprise development for poverty alleviation through provision of Islamic Microfinance as a Flagship Program of HHRD

To enable economic wellbeing and resilience for people with low incomes, especially suffering the disaster, through interest free microfinance. Provide social assistance, capacity building and integrated development ingredients to support the poor break the poverty cycle by creating the spirit of brotherhood. To institutionalize the ESAR Microfinance Program regarding sustainable, growth-oriented and replicable one.

2009

Starting of Interest Free Microfinance - IFMF Program

2010

Initial Stage, declared as a seprate program of HHRD

2011

Extension of IFMF Program from AJK and KPK to Punjab, Sindh and Baluchistan

2012

A Pardigm Shift launched for the sustainability of the IFMF Program; shifted from Qarad e Hasan to profit-loss modes of financing

2013

Decleired as year of sustainiability

No. of Clusters Geographic Coverage (District and UCs) Accumulative Beneficiaries Accumulative Disbursement Active Beneficiaries Recovery Ratio
Accumulative Beneficiaries
10,107

26 24 Districts, 26 UCs 10,107 PKR 230 Million 5,569 99%


Targeted Income Generating Activities
Poultry 1%

Asset Base 1%

6,168 3,583 535 Dec-10 Dec-11 Dec-12 Sep-13

SME 40% Agriculture 45%

163 Before 2010

Livestock 7%

Services 6%

Qarad e Hasan

Murabah
Mudarbah 1% Qarad e Hasan 9%

Mudarbah

Murabah 90%

HHRDs Interest Free Microfinance IFMF Program


Chitral Gilgit Swat Dir Mansehra Hattianbala Charsada Malakand Nowshera Rawalakot Kotli Rawalpindi Mianwali
Ziarat Muzaffargarh Rajanpur Bahawalpur

Jaffarabad Jacobabad Kashmoor Shikarpur Benazir Abad Matiari Tando Allah Yar Mirpur Khas Thatta

Cluster Base Approach Participatory Approach: Community oriented Interest Free: Islamic Modes of Financing Sustainable: Operational Self Sufficiency Universally Replicable Branchless Network with Online System Shariah Certified Enhancement of Income Generating Activities Livelihood Supportive with Capacity Building Component Breaking the Poverty Cycle through Integrated Approach Humanitarian Essence Believed in Potential of Poor Transparency through third Eye (through Community Humanitarian Forums)

Recovery & Follow up


Disbursement

Community Mobilization & Target Group Organization Identification


Base Line Survey HR Selection & Facilitation Area Identification

Area Identification
+ Acutely affected during any disaster and declared by concern authority + Relief activities completed + Special area identified by donor

Human Resource Selection & Facilitation


+ Microfinance Facilitation Officer MFO work at cluster level + Locally announced for suitable candidate, having master degree and preferred development sector experience + Test and interviews held and appointed at merit + Capacity building regarding field operation and basic concepts + Facilitation regarding transportation, mobile phone, laptop, internet, camera etc.

Base line survey.


+ Identification of Activists + Union Council Profile + Village Profile

Identification & Selection of Beneficiaries.


+ Individual meeting with people who engaged with different Income Generating Activities (IGAs) + Dialogs. + Mobilization. + Selection of beneficiaries.

Community Mobilization & Organization.


+ Program Introduction. + Listing the members, there should be 15-25 members in a CO/MC. + With mutual consultation, members elect their President and Manager. + Every member make saving as possible. + To fix the time, day and location for the meeting of CO/MC and lay stress on the 100% attendance. + Community Organization (CO)/Market Committee (MC) formed.

Disbursement.
+ CO/MC nominates the potential borrowers and passed resolution. + Borrower appraisal by Microfinance Facilitation Officer (MFO). + Appraisals sent to Head Office along with CO/MC resolution and two pictures & copy of valid CNIC. + Appraisal analysis and verification. + Delivery of cheque. + Agreement b/w HHRD & beneficiary. + Distribution of cheques/items.

Repayment.
+ Repayment in 10 monthly installments or lumsum. + Recovery through CO/MC.

Follow-up and assistance.

Initial Stage

Microfinance Facilitation Officer

CO & CFC

Field Level Scrutiny

Social Mobilization

Beneficiaries Identification

Appraisal

Regional Coordinator

Program Officer

MFC

Country Director

In-depth Analysis

Assistance Mechanism

Approved

Rejected

Recovery

Follow up

Disbursement

Cluster Average Portfolio ($48,000 given every six months)

Each Union Council $96,000

Average Number of Beneficiaries (Every Six Months = 150) 300

Portfolio of Each Beneficiary


Operational Expenses' Operation Cost Ratio Recovery Profits

$320
$14,000 14.58% $14,000

Expenses = Profits

Recycle

Donation

Recovery

Disbursement

Problem

Solution

Result

Abdul Majid from Batakundi, Naran Valley earthquake affected area and Pea farmer

Received seed and fertilizer from money lender.

Financial assistance with out exploitation

Got required inputs at low price and timely

The price was very high.


Delivery not timely. Bounded to sale out the production to same money lender. Sale price low compared to market price.

Got seed and fertilizer from HHRD on Murabah bases having amount PKR 35,000

Sale out the production in open market


Got PKR 70,000 additional benefit Shifted his kids to upper level school Purchased some household items

A Beneficiary from Agra-Charsada

Distribution Ceremony Naran Valley

A Beneficiary from Thana-Malakand

Distribution Ceremony Kalam-Swat

A Beneficiary from Nowshera

A Beneficiary from Madyan-Swat

Material handing over at Chitral

A Beneficiary from Lower Dir

A Beneficiary from Shinkiari

Community Meeting at Jampur

Distribution at Rawalpindi

Distribution at Kot Addu

Distribution at Mianwali

A Beneficiary at Goth Mehrab Bahawalpur

A Beneficiary at Tiba Badar Sher Bahawalpur

A Beneficiary at Sultan KotShikarpur

Introductory Meeting Zhair Pir-Matyari

A Beneficiary at Tando Hafiz Shah-Thatta

Community Meeting at Bandhi-Nawab Shah

A Beneficiary at ThulliJaccobabad

Community Meeting Tando Allah Yar

A Beneficiary at Ghous PurKashmoor

A Beneficiary at Dirgi-Jaffarabad, Baluchistan

Distribution Ceremony at Ziarat, Baluchistan

Distribution of Items at Jaglot-Gilgit

A Beneficiary in her Kitchen Garden, Hurnamera-Rawalakot

Community Meeting at LamnianHattian Bala

Distribution of Sewing Machines at Tarala-Kotli

192 Ahmad Block, New Garden Town, Lahore - Pakistan. Ph: (92-42) 35913096 - 98, Fax: (92-42) 35913056 Email: info@alhudacibe.com www.alhudacibe.com