The document summarizes the Akhuwat-Chief Minister's Self Employment Scheme, a massive scale project launched by the Punjab government to provide interest-free loans to entrepreneurs. Key points: - The scheme has a Rs. 2 billion fund to provide loans ranging from Rs.10,000 to Rs.100,000 to over 83,000 borrowers so far for business purposes. - It aims to cover 90% of Punjab province and has a 99.87% loan recovery rate. - Popular business types financed include embroidery, food stuff, garments, and transportation. - Several mega loan disbursement events have been held across Punjab presided over by the Chief Minister and other officials

1. Akhuwat- Chief Minister’s Self
Employment Scheme---- Taking Qarz-e-
Hasan To Scale

2. Salient Features of the Akhuwat- CHIEF MINISTER SELF
EMPLOYMENT SCHEME:
• Massive scale Project.
• Rs. 2.0 Billion Qarz-e-Hasan Fund
• Loan size Range
• Loans to be used for enterprise purposes
only.
• Collaboration with PVTC/TEVTA.
• Strengthen relationship with mosque

3. Salient Features of the Akhuwat- CHIEF
MINISTER SELF EMPLOYMENT SCHEME:
• No mark-up on the Pool.
• Covering 90 % of the province of Punjab.
• Eligibility criteria for the disbursement of
loans.
• 83000 loans disbursed in the last one
year.
• Joint venture between public sector and
civil society

4. Progress Report – up till 23rd November, 2012
PROGRESS INDICATOR 31 October -12 23-Nov-12 Total
Total Benefiting Families
73,809 9,252 83,061
Loans Utilized by Male
Entrepreneurs
44,855 5,718 50,573
Loans Utilized by Female
Entrepreneurs
28,954 3,534 32,488
Amount Disbursed Rs
1,305,997,500 149,556,000 1,455,553,500
Percentage Recovery 99.87 - 99.87
Active Loans
69,127 78,379 78,379
Number of Branches 142 - 142
Number of Districts 30 - 30

5. Types of Businesses under taken by
Beneficiaries of this Joint Programme
October 31, 2012
Serial No. Categories of Business
No. of Borrowers
1 Agriculture inputs 394
2 Artificial Jewelry 849
3 Auto workshop 2,352
4 Beauty salon & Cosmetics 2,627
5 Butcher shop 377
6 Clinics 863
7 Construction & Material 1,378
8 Crockery Business 586
9 Cycle Works 411
10 Dairy Industry 571

6. Types of Businesses under taken by
Beneficiaries of this Joint Programme
October 31, 2012
Serial No. Categories of Business
No. of Borrowers
11 Decoration & gift item 571
12 Electronic & services 3,610
13 Embroidery 10,231
14 Foods Stuff 9,754
15 Furniture 1,981
16 Garments 6,521
17 Handicrafts 332
18 Home Appliances & services 338
19 Home Industry 416
20 Leather Industry 1,291
21 Live stock 2,140
22 Lubricant Business 265

7. Types of Businesses under taken by Beneficiaries of
this Joint Programme
October 31, 2012
Serial No. Categories of Business
No. of Borrowers
23 Mechanical & Engineering works 2,130
24 Music & Instruments 86
25 Plastic Molding 281
26 Poultry Business 414
27 Scrap & Recycling Work 1,409
28 Sports Industry 117
29 Stamp paper & Composing 100
30 Stationery & Printing 670
31 Transportation 6,209
32 Tuition Centre 444
33 Vendor 14,041
Total 73,809

9. Inauguration of CMSES Project - disbursement event presided over by Mian
Muhammad Shahbaz Sharif, Chief Minister Punjab in Shah Jamal Mosque on 3rd
November 2011
LAHORE

10. Mian Mohammad Shahbaz Sharif, Chief Minister Punjab and Mr. Zulfiqar Ali Khosa
presenting cheque to a borrower in D.G. Khan on December 11, 2011
DG Khan

11. Chaudhary Naseer Ahmad Bhutta, MNA addressing borrowers in a disbursement
event in Township on December 18, 2011
Lahore

12. Muzaffargarh
Beneficiaries of the Muzafargarh Branch as on January 26,2012

13. Beneficiaries of the Farooqabad Branch as on March 13,2012
Farooqabad

14. Beneficiaries of the Township and Green Town Branch as on April18,2012
Lahore

15. Beneficiaries of the Mian Meer and Badar Colony Branch in the Mian Meer Darbar as
on May 22,2012
Lahore

16. Lahore
Mega Disbursement event in the Lahore as on October 18, 2012 in Alharma Cultural
Complex in the presence of the Chief Minister Mian Shahbaz Sharif

17. Lahore
Mega Disbursement event in the Lahore as on October 18, 2012 in Alharma Cultural
Complex in the presence of the Chief Minister Mian Shahbaz Sharif