This presentation was presented to Sir Ejaz Ahmed Bajwa in Iqra University Islamabad Campus, on 23rd April 2015

1. Introduction to Appraisal,
Monitoring and Evolution
Group Members
Raja Shoaib Akbar
Azhar Ali
Sohail Naeem
Muhammad

2. BENAZIR
Income Support Program
A Social Security and Women Empowerment Programm

3. Constitution of Pakistan1
Pakistan is one of the few developing countries whose constitution
guarantees the social security of its citizens. Clauses (c) and (d) of
Article 38 on the ‘Promotion of social and economic wellbeing of the
people’ stipulate:
__________________________________________________________
“The state shall: provide for all persons employed in the service of Pakistan or otherwise, social security
by compulsory social insurance or other means; and provide basic necessities of life, such as food,
clothing, housing, education and medical relief, for all such citizens, irrespective of sex, caste, creed or
race, as are permanently or temporarily unable to earn their livelihood on account of infirmity, sickness
or unemployment” [Constitution of Pakistan (2010)].

4. Safety Net Initiatives in Pakistan2
BISPMicrofinance
Pakistan Bait-ul-MaalPeople’s Work Program
People’s Rozgar Scheme
Subsidies on Wheat, Sugar and Fertilizer
Utility Stores
ZAKAT
Employees Old-Age Benefit Scheme
Social health insurance
Workers Welfare Fund

5. BISP overview3
Launched in 2008, the Benazir Income Support Programme is a key
pillar of the National Social Protection Strategy.
Payments are made to female head of the family, a measure to promote
women’s empowerment.
Programme in giving cash to women only increase their decision making
role in household expenditure, financial security, intra-household respect
and social status.

6. Objective4
According to section 4 of the BISP Act 2010, following are the objectives and purposes
of the program,
• Enhance financial capacity of the poor people and their dependent family member;
• Formulate and implement comprehensive policies and targeted programmes for the
uplift of underprivileged and vulnerable people;
• Reduce poverty and promote equitable distribution of wealth especially for the low
income groups

7. M&E Matrix5
Performance Question Information Needs/
KPIs
Baseline Information,
Status, Responsibilities
Data Gathering Methods,
Frequency, Responsibilities
Data Management,
other data sources
To what extent the
financial capacity of the
poor and their
dependents is enhanced
Is there a system and
mechanism in place to
improve financial
capacity?
BISP survey 2010 Annual BISP appraisal
survey
The BISP secretariat is responsible for
data management,
Human development index reports,
Oxford Poverty and Human
Development Initiative (OPHI) report
can be secondary data resources.
Are poverty targeted
programs established for
uplift of underprivileged
How many
beneficiaries of the
programs have
become independent?
Baseline BISP survey
2010, Status of
individual households
at the time of
selection for programs
Number of beneficiaries
being benefited from
targeted programs,
Random annual assessment
of the households
Annual Human development index
reports
Has poverty actually
reduced
How many
beneficiaries have
moved up the poverty
line?
Has poverty reduced
in the country overall?
BISP Survey 2010 Annual BISP appraisal
report
Poverty survey
Economic survey of Pakistan,
Human development index report

8. BISP Initiatives6
CASH
GRANTS
Waseela-e-HaqWaseela-e-Sehat
Emergency
Relief
Package
Wasela-e-
Rozgar Vocational/ Skill Training
Health/Accident
Insurance coverage
Interest free Returnable
Financial
Assistance
Assistance to affected by any emergency
Low income families, Grant of Rs.1500 every
month, 4 million families beneficiaries,
Payment through money order, Mobile
Banking, Smart card
CASH
GRANTS

9. Performance7
Cash Transfers
• 7.7 million families consisting of more than four crore individuals have
been identified through Poverty Scorecard Survey for disbursing
monthly cash grant.
• More than 4.7 million deserving families are receiving cash grant of
Rs.1500/month
Waseela-e-Haq
• Provides interest free loans up to Rs.300,000 to help the recipients to set up
small businesses
• Facility provided to approximately 11,000 beneficiaries, so far.

10. Performance8
Waseela-e-Rozgar
• Launched for provision of technical and vocational training to the
deserving youth, who do not have any skill, through public/private training
institutes
• More than 57,000 young male and female members of our beneficiary
household have completed training so far.

11. Performance9
Waseela-e-Sehet:
• Life Insurance
• BISP is providing insurance cover of Rs.100,000 to the bread earner of the poor family.
All beneficiary families are being extended this facility
• Premium is paid by BISP and in case of death of the bread earner of the family, the
support of Rs 100,000 is provided to the family.
• Life insurance has already been provided to more than 3 million beneficiary families
Health Insurance
• Health shocks are the major reason for pushing people below the poverty line
• Rs.25,000 health insurance is being provided to the poorest families for the first time in
Pakistan
• More than 74,000 families are using this health insurance through the Pilot launched from
Faisalabad

12. Satisfaction with payments10
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Very satisfied
Somewhat satisfied
Neither satisfied nor unsatisfied
Somewhat unsatisfied
Very unsatisfied
Proportion of recipients satisfied with the payments
41%
34%
7%
12%
6%

13. Issues with delivery of payments11
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Number of transfers received in previous 12 months
None
One
Two
Three
Four or
more
Three
Two
One
None
Over AllBalochistan
21%
35%
32%
In Balochistan 32%
reported receiving nothing

14. Audit of BISP11
Federal Directorate of Audit Report 2012-13
Auditor General of Pakistan Audit Report for the same Period
• 85% money from government funds
• 15 % expenditures were come from donor sources in the form of loan, which the
government of Pakistan will repay with interest.
BISP management paid Rs2.648 billion to State Life Insurance Corporation
without open competition, SLIC did not participate in the advertised
invitation for proposal, SLIC did not have any health insurance experience
as it only deals with life insurance.
http://tribune.com.pk/story/586569/bisp-management-pockets-rs975m-audit-report/
http://www.dawn.com/news/1039768/audit-department-reports-irregularities-in-bisp
Audit department reports irregularities in BISP

15. Evaluation12
Answers to key performance indicators
1- Is there a system and mechanism in place to improve financial capacity?
• BISP has established the cash trasnfer, waseela-e haq and waseela e rozgar programs
2- How many beneficiaries of the programs have become independent?
• 4.7 million deserving families are receiving cash grant of Rs.1500/month, 11,000
beneficiaries benefit from waseela-e-haq, 57,000 young male and female members of
beneficiary household have completed training so far.
• How many beneficiaries have moved up the poverty line?
• Targeted data is not available online
• Has poverty reduced in the country overall?

16. Findings and Conclusion13
• The BISP has been able to cover 4.7 out of 7.7 million families
• 39% identified families still await support
• waseelae-e-haq and waseella-e-rozgar programs, have been covering
relatively low numbers
• The data available at BISP only tells about numbers of beneficiaries, it
does not give qualitative analysis
• Data does not present real number of beneficiaries who came out of
poverty due to any BISP program
• Though the program covers a huge number of poor beneficiaries but it
still dose not completely full fill the purposes mentioned in its
inspection document.

17. THANK YOU