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Social EconomicSocial Economic
DevelopmentDevelopment
Based on Akhuwat ParadigmBased on Akhuwat Paradigm
Success StorySucc...
Sequence of PresentationSequence of Presentation
 Ranjha Farms in 1997Ranjha Farms in 1997
 Financial CrisisFinancial Cr...
Sequence of PresentationSequence of Presentation
 Financial improvementsFinancial improvements
 Improvements in Labor co...
Historical PerspectiveHistorical Perspective
Prevalent Social ConditionsPrevalent Social Conditions
Prevalent Economic ConditionsPrevalent Economic Conditions
Ranjha Farms in 1997Ranjha Farms in 1997
 100 acres100 acres
 60 acres kinno orchard60 acres kinno orchard
 40+ acres o...
Financial SituationFinancial Situation
 Annual Revenues less than 1.5 MAnnual Revenues less than 1.5 M
 Heavy loansHeavy...
Labor ConditionsLabor Conditions
 Hereditary workersHereditary workers
 Meager PaysMeager Pays
 Only paid in kind 8 mau...
Labor ConditionsLabor Conditions
 The amount always stayed inThe amount always stayed in
booksbooks
 Lack of availabilit...
Challenge for ManagementChallenge for Management
 Survival & existence doubtfulSurvival & existence doubtful
 To improve...
Options AvailableOptions Available
 Sell off the landsSell off the lands
oror
 Leave urban life and shift toLeave urban ...
Start of the DawnStart of the Dawn
 Following the Islamic PrinciplesFollowing the Islamic Principles
 Abolition of Inter...
DecisionsDecisions
 December 1999 (15December 1999 (15thth
Shaaban)Shaaban)
 All the loans to workers were writtenAll th...
OutcomeOutcome
 Salaries were paid in cash instead ofSalaries were paid in cash instead of
kindkind
 Gradual increase fr...
OutcomeOutcome
 Increase in production and rate of KinnoIncrease in production and rate of Kinno
 Fodder for Live stock ...
Ranjha Farms todayRanjha Farms today
 125 acres125 acres
 Wind fall of additional 25 acresWind fall of additional 25 acr...
Ranjha Citrus FactoryRanjha Citrus Factory
 67 % of industrial ventures were67 % of industrial ventures were
sold but the...
InfrastructureInfrastructure
 Tube wellsTube wells 33
 Bio Aabs UnitsBio Aabs Units 33
 Brick lined water coursesBrick ...
Human TreatmentHuman Treatment
 Treat other the way you wish toTreat other the way you wish to
be treatedbe treated
 No ...
Financial PositionsFinancial Positions
 All loans from PSIC, Banks etcAll loans from PSIC, Banks etc
have been paidhave b...
RevenuesRevenues
 Orchards 5 M plusOrchards 5 M plus
 WheatWheat 0.3 M0.3 M
 Dairy Farm self sufficientDairy Farm self ...
Package for LaborPackage for Labor
 Monthly pay 2,000 PMMonthly pay 2,000 PM
 40 kgs of wheat and rice as food40 kgs of ...
Package for LaborPackage for Labor
 Rs 300 PM free vegetablesRs 300 PM free vegetables
 300 oranges per head300 oranges ...
ResponseResponse
 No shortage of workersNo shortage of workers
 Willingness and commitmentWillingness and commitment
inc...
Ripples within the villageRipples within the village
 Resentment shown by other familyResentment shown by other family
me...
Road AheadRoad Ahead
 Salary package Rs 4000 by end 2008Salary package Rs 4000 by end 2008
 Educational Allowance for ch...
Road AheadRoad Ahead
 USAID is getting involved for DairyUSAID is getting involved for Dairy
Farms up gradationFarms up g...
Future PlansFuture Plans
 Marketing among the diplomatic circlesMarketing among the diplomatic circles
 Introduction of ...
ConclusionsConclusions
 Following the principles of Islam ofFollowing the principles of Islam of
abolition of interest an...
ConclusionConclusion
 If we are merciful to those living onIf we are merciful to those living on
earth, Allah will be mer...
Thank YouThank You
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Social development in wan miana

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Social Economic Development of a Punjabi Village

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Social development in wan miana

  1. 1. Social EconomicSocial Economic DevelopmentDevelopment Based on Akhuwat ParadigmBased on Akhuwat Paradigm Success StorySuccess Story Wan Miana, Tehsil Kot MominWan Miana, Tehsil Kot Momin District SargodhaDistrict Sargodha
  2. 2. Sequence of PresentationSequence of Presentation  Ranjha Farms in 1997Ranjha Farms in 1997  Financial CrisisFinancial Crisis  Labor ProblemsLabor Problems  Challenges for ManagementChallenges for Management  Options availableOptions available  Decisions, their basis & outcomeDecisions, their basis & outcome  Ranjha Farms todayRanjha Farms today  InfrastructureInfrastructure
  3. 3. Sequence of PresentationSequence of Presentation  Financial improvementsFinancial improvements  Improvements in Labor conditionsImprovements in Labor conditions  Ripples within the villageRipples within the village  ResponseResponse  Road AheadRoad Ahead  Future plansFuture plans  ConclusionsConclusions
  4. 4. Historical PerspectiveHistorical Perspective
  5. 5. Prevalent Social ConditionsPrevalent Social Conditions
  6. 6. Prevalent Economic ConditionsPrevalent Economic Conditions
  7. 7. Ranjha Farms in 1997Ranjha Farms in 1997  100 acres100 acres  60 acres kinno orchard60 acres kinno orchard  40+ acres of Wheat / Rice40+ acres of Wheat / Rice  40+ Cattle heads40+ Cattle heads  Two Ice factoriesTwo Ice factories  One Oil MillsOne Oil Mills  Two cold storagesTwo cold storages
  8. 8. Financial SituationFinancial Situation  Annual Revenues less than 1.5 MAnnual Revenues less than 1.5 M  Heavy loansHeavy loans  PSIC loan more than 4 MPSIC loan more than 4 M  Personal Loans + 5 MPersonal Loans + 5 M  ADBP,HBL and Cooperative loansADBP,HBL and Cooperative loans  Default and decrees issued by courtsDefault and decrees issued by courts in favor of various banksin favor of various banks  Annual interest more than .5 M perAnnual interest more than .5 M per annumannum  Very survival and existence were inVery survival and existence were in questionquestion
  9. 9. Labor ConditionsLabor Conditions  Hereditary workersHereditary workers  Meager PaysMeager Pays  Only paid in kind 8 maunds of riceOnly paid in kind 8 maunds of rice and wheat each after six monthsand wheat each after six months  Monthly less than Rs. 500 PMMonthly less than Rs. 500 PM  Two uniforms per annumTwo uniforms per annum  To have a worker the managementTo have a worker the management had to pay 20,000 – 30,000 perhad to pay 20,000 – 30,000 per person which was never repaidperson which was never repaid  Workers availability were gettingWorkers availability were getting sporadicsporadic
  10. 10. Labor ConditionsLabor Conditions  The amount always stayed inThe amount always stayed in booksbooks  Lack of availability of workers,Lack of availability of workers, their increasing demands, andtheir increasing demands, and lack of their commitmentlack of their commitment towards the farmtowards the farm
  11. 11. Challenge for ManagementChallenge for Management  Survival & existence doubtfulSurvival & existence doubtful  To improve the farm, Capital wasTo improve the farm, Capital was requiredrequired  Due to default, the capital sourcesDue to default, the capital sources were getting limitedwere getting limited  From where to get capital?From where to get capital?
  12. 12. Options AvailableOptions Available  Sell off the landsSell off the lands oror  Leave urban life and shift toLeave urban life and shift to farm to manage it morefarm to manage it more effectivelyeffectively
  13. 13. Start of the DawnStart of the Dawn  Following the Islamic PrinciplesFollowing the Islamic Principles  Abolition of InterestAbolition of Interest  Reducing the Cost of interest expensesReducing the Cost of interest expenses  Abolition of Slavery and Bonded LaborAbolition of Slavery and Bonded Labor
  14. 14. DecisionsDecisions  December 1999 (15December 1999 (15thth Shaaban)Shaaban)  All the loans to workers were writtenAll the loans to workers were written offoff  Amounting around Rs.150,000Amounting around Rs.150,000  Commitment not to give any furtherCommitment not to give any further loans in futureloans in future  Pays were monetizedPays were monetized  Cash paid instead of cropsCash paid instead of crops  No further loans from banksNo further loans from banks
  15. 15. OutcomeOutcome  Salaries were paid in cash instead ofSalaries were paid in cash instead of kindkind  Gradual increase from 500 to 2000 PMGradual increase from 500 to 2000 PM  Less land under wheat or rice cultivationLess land under wheat or rice cultivation  The land under wheat became availableThe land under wheat became available for Kinno orchards- much more profitablefor Kinno orchards- much more profitable
  16. 16. OutcomeOutcome  Increase in production and rate of KinnoIncrease in production and rate of Kinno  Fodder for Live stock secondary cropFodder for Live stock secondary crop  Substantial enhancement in livestockSubstantial enhancement in livestock headsheads  Availability of substantial quantity ofAvailability of substantial quantity of Green ManureGreen Manure  In house & cheap inputIn house & cheap input
  17. 17. Ranjha Farms todayRanjha Farms today  125 acres125 acres  Wind fall of additional 25 acresWind fall of additional 25 acres  Land recovered from old riverLand recovered from old river bedbed  100 acres Kinno orchard100 acres Kinno orchard  50 acres fodder as additional50 acres fodder as additional cropcrop  125+ live stock providing milk,125+ live stock providing milk, siblings and organic fertilizersiblings and organic fertilizer
  18. 18. Ranjha Citrus FactoryRanjha Citrus Factory  67 % of industrial ventures were67 % of industrial ventures were sold but the revenues are moresold but the revenues are more when 100% were ownedwhen 100% were owned  Establishment of Ranjha CitrusEstablishment of Ranjha Citrus FactoryFactory  6000 MT production Capacity6000 MT production Capacity  1000 MT Capacity of Cold Storages1000 MT Capacity of Cold Storages  Projections for next year exportsProjections for next year exports 100 M100 M  Ranjha Citrus registered brand ofRanjha Citrus registered brand of kinnokinno
  19. 19. InfrastructureInfrastructure  Tube wellsTube wells 33  Bio Aabs UnitsBio Aabs Units 33  Brick lined water coursesBrick lined water courses  Electricity availability on FarmsElectricity availability on Farms  Mettelled RoadsMettelled Roads  Huge battery of workers availableHuge battery of workers available due to comparative high salaries anddue to comparative high salaries and human treatmenthuman treatment
  20. 20. Human TreatmentHuman Treatment  Treat other the way you wish toTreat other the way you wish to be treatedbe treated  No threats, abuses, orNo threats, abuses, or punishmentspunishments
  21. 21. Financial PositionsFinancial Positions  All loans from PSIC, Banks etcAll loans from PSIC, Banks etc have been paidhave been paid  Interest Free operationsInterest Free operations  Process of repayment ofProcess of repayment of personal loans is on waypersonal loans is on way  Total repayment will beTotal repayment will be complete inshallah by 2009 endcomplete inshallah by 2009 end
  22. 22. RevenuesRevenues  Orchards 5 M plusOrchards 5 M plus  WheatWheat 0.3 M0.3 M  Dairy Farm self sufficientDairy Farm self sufficient  Additional Live Stock sales 0.5 MAdditional Live Stock sales 0.5 M  Income from Factories 0.4 MIncome from Factories 0.4 M  Projections for next year 1 MProjections for next year 1 M
  23. 23. Package for LaborPackage for Labor  Monthly pay 2,000 PMMonthly pay 2,000 PM  40 kgs of wheat and rice as food40 kgs of wheat and rice as food supportsupport  Valuing 450 PMValuing 450 PM  Three uniforms annuallyThree uniforms annually  Three pairs of shoesThree pairs of shoes  One Ltr of Milk daily Rs 600 PMOne Ltr of Milk daily Rs 600 PM
  24. 24. Package for LaborPackage for Labor  Rs 300 PM free vegetablesRs 300 PM free vegetables  300 oranges per head300 oranges per head  Housing rights to workers along with rightHousing rights to workers along with right to sellto sell  Total Package around 3,500 PMTotal Package around 3,500 PM  Introduction of Akhuwat interest free MicroIntroduction of Akhuwat interest free Micro loansloans
  25. 25. ResponseResponse  No shortage of workersNo shortage of workers  Willingness and commitmentWillingness and commitment increasedincreased  Well being of workers and theirWell being of workers and their familiesfamilies  Introduction of LiberationIntroduction of Liberation PackagePackage
  26. 26. Ripples within the villageRipples within the village  Resentment shown by other familyResentment shown by other family membersmembers  Opposition to Liberation PackageOpposition to Liberation Package  Accusing to destroy the labor marketAccusing to destroy the labor market  Other farms have minimum availability ofOther farms have minimum availability of workersworkers
  27. 27. Road AheadRoad Ahead  Salary package Rs 4000 by end 2008Salary package Rs 4000 by end 2008  Educational Allowance for childrenEducational Allowance for children  Medical insurance for all the employeesMedical insurance for all the employees in collaboration with NRSPin collaboration with NRSP  Akhuwat Live stock loans SEEP forAkhuwat Live stock loans SEEP for workers families to additional incomesworkers families to additional incomes
  28. 28. Road AheadRoad Ahead  USAID is getting involved for DairyUSAID is getting involved for Dairy Farms up gradationFarms up gradation  Protection against tyrannyProtection against tyranny  Availability of justice againstAvailability of justice against oppressionoppression
  29. 29. Future PlansFuture Plans  Marketing among the diplomatic circlesMarketing among the diplomatic circles  Introduction of Organic kinnoIntroduction of Organic kinno  Capacity building of workers for pluckingCapacity building of workers for plucking  25 acres orchard of Guava, dates and25 acres orchard of Guava, dates and Bamboo grovesBamboo groves
  30. 30. ConclusionsConclusions  Following the principles of Islam ofFollowing the principles of Islam of abolition of interest and bonded laborabolition of interest and bonded labor (slavery)(slavery)  We can bring prosperity, well beingWe can bring prosperity, well being and welfare not only to the life ofand welfare not only to the life of those who work on our farms but alsothose who work on our farms but also ensure prosperity for over selvesensure prosperity for over selves  Win - Win for AllWin - Win for All  It will be translated in much betterIt will be translated in much better results for our selvesresults for our selves  Need to replicate this modelNeed to replicate this model
  31. 31. ConclusionConclusion  If we are merciful to those living onIf we are merciful to those living on earth, Allah will be merciful on usearth, Allah will be merciful on us from Heavenfrom Heaven
  32. 32. Thank YouThank You

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