Helping Hand for Relief and Development (HHRD) is a non-profit organization committed to serving humanity through various relief and development programs. Its flagship program is an interest-free microfinance program that aims to alleviate poverty by providing loans and capacity building to help low-income individuals engage in livelihood and income-generating activities. The summary provides key details about HHRD's microfinance program operations across Pakistan, its financing mechanisms, beneficiaries served, and impact in empowering communities and improving lives.

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

3. » 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.

4. » 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 Rabb’s (Lord) torment of a
very distressful Day”.
(Qur’an Surah 76, verses 8, 9, 10)

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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

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

7. » 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.

8. 2009
2010
2011
2012
2013
• Starting of Interest Free Microfinance - IFMF Program
• Initial Stage, declared as a seprate program of HHRD
• Extension of IFMF Program from AJK and KPK to Punjab, Sindh and Baluchistan
• A Pardigm Shift launched for the sustainability of the IFMF Program; shifted from Qarad e
Hasan to profit-loss modes of financing
• Decleired as year of sustainiability

9. No. of Clusters
Geographic Coverage (District and UCs)
Accumulative Beneficiaries
Accumulative Disbursement
Active Beneficiaries
Recovery Ratio
Accumulative Beneficiaries
10,107
Asset
Base
1%
26
24 Districts, 26 UCs
10,107
PKR 230 Million
5,569
99%
Targeted Income Generating
Activities
Poultry
1%
6,168
SME
40%
3,583
163
Before 2010
Dec-10
Agriculture
45%
535
Dec-11
Dec-12
Sep-13
Livestock
7%
Services
6%

10. Qarad e
Hasan
Murabah
Mudarbah
1%
Murabah
90%
Mudarbah
Qarad e
Hasan
9%

11. HHRD’s 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

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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)

13. Recovery &
Follow up
Disbursement
Community
Mobilization &
Target Group Organization
Identification
Base Line
Survey
HR Selection &
Facilitation
Area
Identification

14. » 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.

15. » 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.

16. » 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.

17. » 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.

18. Microfinance
Facilitation
Officer
Initial Stage
Social
Mobilization
CO & CFC
Appraisal
Regional
Coordinator
Beneficiaries
Identification
Program
Officer
Country
Director
MFC
In-depth Analysis
Assistance Mechanism
Recovery
Follow up
Approved
Disbursement
Field Level
Scrutiny
Rejected

19. Cluster
Each Union Council
Average Portfolio ($48,000 given every six months)
$96,000
Average Number of Beneficiaries‘ (Every Six Months = 150) 300
Portfolio of Each Beneficiary
$320
Operational Expenses'
$14,000
Operation Cost Ratio
14.58%
Recovery Profits
$14,000
Expenses = Profits

20. Recycle
Donation
Recovery
Disbursement

21. Problem
Abdul Majid from
Batakundi, Naran
Valley –
earthquake
affected area and
Pea farmer
Solution
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.
Got seed and
fertilizer from
HHRD on Murabah
bases having
amount PKR
35,000
Sale out the
production in open
market
Delivery not
timely.
Bounded to sale
out the production
to same money
lender.
Sale price low
compared to
market price.
Result
Got PKR 70,000
additional benefit
Shifted his kids to
upper level school
Purchased some
household items

22. 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

23. 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

24. A Beneficiary at Sultan KotShikarpur
Community Meeting at
Bandhi-Nawab Shah
Introductory Meeting Zhair
Pir-Matyari
A Beneficiary at ThulliJaccobabad
A Beneficiary at Ghous PurKashmoor
A Beneficiary at Tando Hafiz
Shah-Thatta
Community Meeting Tando
Allah Yar

25. A Beneficiary at Dirgi-Jaffarabad, Baluchistan
Distribution Ceremony at Ziarat, Baluchistan
Distribution of Items at Jaglot-Gilgit

26. A Beneficiary in her Kitchen
Garden, Hurnamera-Rawalakot
Community Meeting at LamnianHattian Bala
Distribution of Sewing Machines at
Tarala-Kotli

27. 192 Ahmad Block, New Garden Town, Lahore - Pakistan.
Ph: (92-42) 35913096 - 98, Fax: (92-42) 35913056
Email: info@alhudacibe.com
www.alhudacibe.com