Benazir Income Support Program

Introduction to Appraisal,Monitoring and Evolution

Group Members

Raja Shoaib AkbarAzhar Ali

Sohail NaeemMuhammad

BENAZIRIncome Support ProgramA Social Security and Women Empowerment Programm

Constitution of Pakistan

1Pakistan is one of the few developing countries whose constitutionguarantees 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)].

Safety Net Initiatives in Pakistan

2

BISPMicrofinance Pakistan Bait-ul-

MaalPeople’s Work

Program

People’s Rozgar Scheme Subsidies on Wheat, Sugar and

Fertilizer

Utility Stores

ZAKATEmployees Old-Age Benefit Scheme

Social health insurance

Workers Welfare Fund

BISP overview

3

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.

Objective

4

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

M&E Matrix5Performance

QuestionInformation 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

BISP Initiatives

6

CASHGRAN

TS

Waseela-e-Haq

Waseela-e-Sehat

EmergencyRelief

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

CASHGRAN

TS

Performance

7Cash 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.

Performance

8Waseela-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.

Performance

9Waseela-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

Satisfaction with payments

10

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%

Issues with delivery of payments

11

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

Audit of BISP

11

Federal Directorate of Audit Report 2012-13Auditor 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

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 programs2- 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?

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.

THANK YOU