in partnership with Express News Helpline Trust,nrsp.org.pk/publications/Evaluation-Assessment-Studies/...Abid Hussain, DG Khan (Express Housing Project) 38 Gul Wali, Charsadda (Behbud

in partnership with Express News Helpline Trust, ICMC, Rotary International, Behbud Association and Islamic Charity UK

June, 2012

Monitoring, Evaluation & Research SectionNational Rural Support Programme

© Copyright - June 2012

Established in 1991, NRSP is the largest Rural Support Programme in the country in terms of outreach, staff and development activities. It is a not for profit organization registered under Section 42 of Companies Ordinance 1984. NRSP’s mandate is to alleviate poverty by harnessing people’s potential and undertaking development activities in Pakistan. It has a presence in 59 Districts in four Provinces and Azad Jammu and Kashmir through Regional and Field Offices. NRSP is currently working with about two million poor households organized into a network of over 129,000 Community Organizations. With sustained incremental growth, it is emerging as Pakistan’s leading engine for poverty reduction and rural development.

NRSP Owner Driven Low Cost Housing

Author: Rachel AbbeyData collection by: Qadir Bakhesh Leghari, Mazhar Khan, Ghaffar Paras, Michael Khilji and Ahmed Hasan

Designed by: Mansoor Abid

National Rural Support Programme46, Aga Khan Road, F-6/4, Islamabad, Pakistan.Tel: +92 (51) 2822319, 2822324, Fax: +92 (51) 2822779Email: [email protected], Website: www.nrsp.org.pk

Printed at PanGraphics (Pvt) Ltd., Islamabad

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Table of Contents

Acronyms iiExecutive Summary 1Background 2 Damage to infrastructure/ housing within the project areas 2Introduction 4 Report Objectives 4 Report Methodology 4Pilot to develop NRSP’s low cost housing model 5 Unit design and costing 5Selection of project areas- rapid assessment 9Selection process within each district 10Community driven approach - selection 11 Participant selection criteria 11 Procedures 11 Inclusion: women and the poor 12Design against cost 17 Cost 18 Design 19Data Management 20Construction and management 22 Roles and responsibilities 23Summary: the community driven approach vs. the donor driven approach 28Participant feedback and key findings 30The way forward 32Success Stories 34 Kima and Suke Bash, Rajanpur (ICMC) 34 Umair Zeb Jahanzeb, Charsadda, KPK (Express Housing) 35 Feroz Shah (Rotary International) 36 Khadim Hussain, Thatta, Sindh (Express Housing) 37 Abid Hussain, DG Khan (Express Housing Project) 38 Gul Wali, Charsadda (Behbud Association) 39 Hazrat Bilal, Charsadda, Islamic Charity 40Annexes Annex 1: Agreement with Beneficiary 43 Annex 2: List of beneficiaries - Behbud Association of Pakistan (KPK) 44 Annex 3: List of beneficiaries - Islamic Charity (KPK) 46 Annex 4: List of beneficiaries - Express Housing (KPK) 48 Annex 5: List of beneficiaries - Express Housing (Sindh) 49 Annex 6: List of beneficiaries - Express Housing (Southern Punjab) 52 Annex 7: List of beneficiaries - Rotary International (KPK) 58 Annex 8: List of beneficiaries - ICMC (Southern Punjab) 61

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Acronyms

CNIC Computerized National Identity CardCO Community OrganisationFGDs Focus Group DiscussionsGM General ManagerGPS Global Positioning SystemICMC International Catholic Migration CommissionKPK Khyber PakhtunkhwaLSO Local Support OrganisationMER Monitoring, Evaluation & ResearchMIS Management Information SystemMOUs Memorandum of understandingNDMA National Disaster Management AuthorityNRSP National Rural Support ProgrammePDMA Provincial Disaster Management AuthorityPSC Poverty ScorecardToP Terms of PartnershipUC Union CouncilVO Village Organisation

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Executive Summary

Executive Summary

The flash floods caused by the heavy rains that hit Pakistan over July and August 2010 are estimated to have affected over 20 million people1. This disaster destroyed or partially damaged nearly 1.9 million housing units nationwide2 with the mass displacement of people into relief camps, unsafe buildings, makeshift shelters and along the roadside. 27 out of NRSP’s 59 districts were affected. The worst affected districts were: Charsadda in KPK, Rajanpur and DG Khan in Southern Punjab, and the coastal district of Thatta in southern Sindh. The National rural Support programme responded by developing a low cost housing model comprising one room, a latrine and an optional veranda/ kitchen. This was to be implemented through the community driven approach. The costshare required for each housing unit is 30:70, with Rs. 100,000 to be contributed towards each unit by donors and Rs. 45,000 by participants in the form of cash, materials and labour. Five donors came forward funding the construction of 653 houses using NRSP’s housing model and approach. These are the Behbud Association, Islamic Charity UK and Rotary International, the Express News Helpline Trust, and the ICMC.

This report is intended to guide all stakeholders on the lessons learned during the eleven projects funded by these donors. These lessons relate to the design, the approach, selection criteria, cost, project management, data management and technical support. All data was collected for this report through 11 focus group discussions alongside individual interviews conducted with communities and project staff across all project areas. The findings are very much in favour of the community led approach for house construction with 100% of participants interviewed in support of this model. 100% of participants were also in favour of the higher cost unit used in the programme using cement mortar rather than mud mortar stating increased security against future floods to be their first priority. One of the drawbacks of this meant that the costshare was relatively high and it was therefore difficult to include the poorest in the programme. It was also challenging to use housing as a means for women empowerment given that land in Pakistan is in the main owned by men to ensure this asset is retained within the family. In these aspects the report advises to investigate the options of land transfers and higher grants for the poorest.

Despite these issues, the community led housing model was preferred by all focus group participants including those that had been involved in donor driven (top down) housing projects within the same communities. Reasons for this, were that the community led approach builds capacity, places control over the construction process in the hands of the owners/ beneficiaries, and most importantly of all, ensures that the house is not viewed as a unit or project target but as a home. This was observed by the fact that almost all beneficiaries not only immediately moved into their houses but further invested in them adding shelving, designs, and paintwork. It is advised that this approach be adopted in future post-disaster programmes.

1 National Disaster Management Authority (NDMA), Pakistan, (April, 2011)2 Ibid

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Background

The flash floods in Pakistan over July and August 2010 and the later floods in Sindh in 2011 had a severe and long term impact on livelihoods and standards of living. The floods destroyed community level and large scale infrastructure, communications networks, transport networks, and destroyed nearly 1.9 million houses nationwide3. In order to limit the spread of disease and enable people to re-start their daily lives, the reconstruction of housing was an urgent priority. Following initial emergency response activities, the National Rural Support Programme (NRSP) conducted a rapid assessment of housing damages within its operational area. This assessment was conducted through its regional offices, LSOs, VOs and COs. The findings indicated that within the 27 affected districts that fell within NRSP’s operational area, a significant portion of housing within these had been damaged or destroyed.

Damage to infrastructure/ housing within the project areas

Charsadda, KPK: All of Charsadda’s 31 union councils holding a total population of 1.4 million were affected by the 2010 floods. Situated next to the Kabul River, Charsadda experienced 52 hours of torrential rains which amounted to an average of 29cm of water, all rivers

3 Ibid

Flood affected districts, 2010

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and streams in Charsadda experienced flooding. 44,200 houses were severely damaged/ destroyed by the flooding and 1.2 million people were temporarily/ permanently displaced.

Rajanpur and DG Khan, Southern Punjab: 945,644 people from Rajanpur’s population of 1,490,665, and 360,647 people from DG Khan’s population of 1,514,0734 were directly affected by the floods. In Rajanpur, the flooding covered 32 of the 44 union councils and in DG Khan, 44 out of 59. During periods of high rainfall, these two districts are frequently affected by flooding from river overflow and intersecting hill torrents from the Sul-e-man mountain range. In 2010, water levels were even higher with overflow water from the West Bank of the Indus filling narrow valleys. This allowed water to enter the main city and kutcha areas of Jampur. Three protective bunds were breached in this process5. Transport was cut off from Multan, Muzaffargarh and the rest of Punjab. Tribal areas in both districts received little assistance having a low accessibility due to security.

Thatta, Sindh: All of Thatta’s 55 UCs were hit by the 2010 floods6 with 874,030 people from Thatta’s population of 1,778,043 people experiencing flooding in their communities. 70% of the population were reported to have fled their homes after the break of the levee in Taluka Sajawal allowing water to rapidly spread through canals with extensive overflow7. Thatta on the coast of Southern Sindh was the last district reached by the flood waters and from where they flowed into the sea. The water reached a height of 10-12 feet in some areas and 107,981 houses (primarily made from kutcha – mud/ straw) were destroyed.

4http://floods2010.pakresponse.info/Portals/0/Pakistan/District_Profiles/District_Profile_Rajanpur_Feb%2018,%202011.pdf5http://www.sappk.org/publications/Flood_reports_districtwise/District_Rajanpur_Flood_Report.pdf6http://www.pdma.gos.pk/DistrictProfile/Thatta_District_Profile_March_2011_final.pdf7http://www.guardian.co.uk/world/2010/aug/27/pakistan-floods-levee-thatta

Background

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Introduction

NRSP collaborated closely with the donor community in its flood relief and rehabilitation activities, attending cluster meetings and sharing information, resources and contacts. Following the emergency response phase, the NRSP regional teams developed a set of low cost housing models to assist in the long term rehabilitation of flood affected families. Five donors came forward to work with NRSP to provide the low cost housing model in Charsadda, Thatta, Rajanpur and DG Khan. These were Express News Helpline Trust (250 units), the International Catholic Migration Mission (250 units), Rotary International (70 units), Islamic Charity UK (43), and the Behbud Association (40 units). All projects used the same transparent community approach for beneficiary selection. Each donor provided Rs.100,000 towards the cost of each unit, Rs.30,000-60,000 was to be contributed by beneficiaries in the way of labour and materials. All housing projects took place from November 2010 to March 2012.

Background research for this report was undertaken in two parts. The first part consisted of the evaluation of three of the initial housing projects conducted in Charsadda and Thatta (Express News, Islamic Charity and Rotary International) with field visits and five focus groups carried out during the process of beneficiary selection and house construction. These evaluation visits took place between January 2011 and March 2011. The results of these evaluations were used for lessons learning, implemented in the latter projects in this area. Further data was collected in March 2012 in the form of six focus groups discussions with communities (beneficiaries and non beneficiaries) and interviews with project staff on the ICMC project in Rajanpur. This was to evaluate how the lessons learned from earlier projects had been put into practice and to decipher whether any further areas needed improvement. The findings from these are summarised in the following report.

Report Objectives• To evaluate the community led approach for the construction of housing• To evaluate the cost and model of the proposed unit• To evaluate support provided to programme participants• To decipher areas whether the NRSP housing programme can be further improved

Report Methodology• All documentation related to the NRSP housing programme was reviewed at the

start of the evaluation. This included unit design, beneficiary lists taken from the MIS, selection criteria, contract documents, MOUs and PSC results.

• Primary data for this report was collected through eleven focus group discussions with beneficiaries and non beneficiaries in the project areas. Five of these were conducted in Thatta and Charsadda (FGDs carried out between January 2011 and March 2011) and a further six focus group discussions completed in Rajanpur in March 2012. Further data was collected from Social Organisers, Field Engineers, Project Managers, District Managers, the GM and MER staff.

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Pilot to develop NRSP’s low cost housing model

Following the emergency relief and early recovery phases of the response, the NRSP focused on the need to reconstruct much of the housing in severely flood affected areas. Regional teams in Mianwali, DG Khan, Rajanpur and Bhakkar were provided with a budget of Rs. 500,000 to develop and test a set of low-cost housing models. The resultant models differed by region in terms of size, cost and materials. They also tested both semi-permanent using mud mortar and permanent structures using cement mortar. The selection process followed a community driven approach with residents identifying those most in need in their area, later verified by NRSP regional staff. Residents were also heavily involved in the construction of the houses. Following this pilot, feedback was taken from project beneficiaries in the form of FGDs, potential donors were also involved in this process. Following this feedback, the NRSP opted to build permanent housing structures (smaller than the semi permanent structures due to cost) being preferred by communities. The cost of each housing unit was approximately Rs. 145,000. The new design was shared with potential donors with the understanding that housing would be provided on a costshare basis.

Unit design and costing

The plans show the initial design used in the Rotary International, Express Housing, Islamic Charity and Behbud projects. This low cost design comprised one room, a latrine, and an optional veranda/ kitchen (14’ x 16’). In the latter ICMC project, the veranda was removed from the design due to the significant rise in the cost of materials and labour during this period. The design was enlarged to 14’ x 20’ in the first phase of the ICMC housing construction and later constructed according to the earlier design of 14’ x 16’ on the recommendation of PDMA, Punjab.


Pilot of low cost housing model, Mianwali

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Front view of housing unit

Side view of housing unit

Plan view of housing unit (optional veranda included)

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Front view of latrine Plan view of latrine

FeaturesRoofing: Roof tiles laid in C/S mortar supported with structural steel T-Iron and iron girderFloor: Brick ballast and P.C.C (1:4:8) and (1:2:4) Drainage: Open drains and PVC pipe 4” diameterWalls: Burnt bricks in C/S mortar (1:4)Joinery: M/S Steel Gate, steel window ventilator and doorsSeptic Tank: Brick masonry in C/S (1:4), Plaster in C/S (1:3), and P.C.C in C/S (1:2:4)External wall: Brick masonry in C/S (1:4), Plaster and flush pointing

Table 1: Breakdown of costing per unit (estimates as of June, 2011)

S.# Labour/ materials Estimated Cost (Rs.)1 Skilled Labour 7,6002 Unskilled Labour 7,200SUB TOTAL LABOUR 14,8001 Bricks 54,9182 Cement 30,6163 Sand 7,8724 Crush 5,885 5 Brick Ballast 3666 RCC/PVC Pipes 6’’dia Bathroom drain 350


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S.# Labour/ materials Estimated Cost (Rs.)7 W/C for bath 7508 P-Trap for drains, 1509 elbows for drains 9011 Whitewash material + labour charges 1,41412 Door (1.5”, 20 swg of pipe and 20 swg sheet) 4,00013 Window (1.5”, 20 swg of pipe and 20 swg sheet) 3,80014 Bath Door Same Above Specification 2,00015 Ventilators 45016 Steel 2,10017 T-Iron (0.9 kg/ft) 16,33518 Girder (2.8kg/ft) 12,96019 Roofing brick tiles 8,64520 Plastic sheet 47421 Electrical fitting and charges 1,000SUB TOTAL MATERIALS 154,175Total A + B 168,975

This cost is based on estimates as of June, 2011 (so higher than the previous figure provided of Rs. 145,000). In future programmes the 70:30 ratio should be maintained with flexibility for the poorest.

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Selection of project areas- rapid assessment

Districts were selected on the basis of set indicators. These were: • the severityofimpact: assessed through damage assessment surveys conducted

prior to each project, • need i.e. the potential number of beneficiaries (see background section for figures), • whether other donors were working on similar projects in the area, and • how quickly NRSP would be able to implement the community driven approach e.g.

whether COs werealreadyoperationalinthearea. • In some areas the communities approached NRSP to initiate housing projects in

their area; this was followed by the due processes.

Table 2: Summary of housing construction by area

District Union Councils Villages Units DonorCharsadda, KPK

Hisara Yaseen Zai, Hasan Zai, Kato Zai, Mohammad Nari

Akbar Abad Kot Tarnaw, Sadar Ghari, Bela, Hisar Dheri

40+43+ 70+25 = 178

Behbud Association, Islamic Charity UK, Rotary International, Express News

Thatta, Sindh Bijora and Belo Belo, Vicholo 75 Express News DG Khan, Southern Punjab

Ghousabad, Jhok Utra

Dhadhar Wala Rasheed Abad, Memar Wala, Rugh Ranjhy Wala, Kory Wala, Ahmed Khan

50 Express News

Rajanpur, Southern Punjab

Murghai, Sabzani, Kot Tahir, Basti Rindan

Rakh Mud Molvi, Mud Molvi, Kotla Said Khan, Kotla Murtaza Shah, Bhagsar, Rakh Qadra, Rakh Sabzani, Rakh Prawar, Kot Tahir, Thakra, Basti Rindan, Kotla Daha

250 + 100 = 350 International Catholic Migration Commission, Express News

The Express Housing, Behbud Association, Rotary International and Islamic Charity projects in Charsadda, KPK (164 units) were located in seven villages close to Hisara Model Camp holding more than 600 persons. This camp had been set up by NRSP with funding from Rotary and Oxfam. 15 COs (men only) were also already operational in this area meaning that trust had already been built up with the project communities and that staff were familiar with the area.

Selectionofprojectareas-rapidassessment

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Similarly the Express Housing project in Thatta, Sindh (75 units), implemented in two villages, was located close to NRSP relief camps in Thatta. Again NRSP had conducted previous work in the selected areas facilitating the community driven model. This strategy of placing projects in villages close to camps also meant that it was easy to find participants being located in one area rather than scattered enabling a continuous line of communication at all stages in project planning and implementation.

This strategy was continued in phase two of the Express Housing project in DG Khan. Here, six villages were selected for the construction of 50 units close to NRSP and Rotary funded camps. In the latter ICMC project in Rajanpur, many of the flood affectees stayed in government buildings rather than camps and most had already returned to their communities where they had erected tents/ makeshift shelters. For this reason, the NRSP selected the project areas primarily according to levels of damage to housing and on whether there were existing donor projects running in the area. Prior to the start of these projects, six COs (two men only and four mixed) were already established in DG Khan and eight in Rajanpur (four men only and four mixed).

Selection process within each district

Relief Camp, Makli, Thatta

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Community driven approach - selection

Although the methodology for selection varied slightly across projects, the same broad criteria was followed.

Participant selection criteria

• The affected household should be poor and have a completely damaged kutcha or pukka house

• The head of the household or tenant should have valid house ownership documents in his/her name.

• The head of the household should have a CNIC.• The affected should be in the same geographical proximity of the village or

settlement.• The household should have good and honest social recognition and bearing.• The household should be ready to contribute in cash, available materials and by

way of skilled/ unskilled labour.• The Grantee should be married, a widow or a widower.

Prioritised

• Widows• The poorest i.e. those without means to reconstruct safe housing

Procedures

Communities were fully engaged in all aspects of the projects from participant selection to construction. Communities were asked to verify that potential beneficiaries:

1. had the capacity to construct their own house (financial and human capital) and 2. were deserving (would not be able to construct their houses without significant

financial support).

Processes for selection varied across different projects with informal committees and COs being set up in the Express Housing, Behbud, Islamic charity and Rotary Project in Charsadda and DG Khan, in some cases beneficiaries were selected by donors also who completed a door-to-door verification process, a two-way open discussion was undertaken between NRSP and communities for the Express Project in Thatta, and the PSC and Village Development Committees were used on the ICMC project in Rajanpur and in DG Khan. Due to the fact that the earlier projects were completed in the immediate post-flood period, need was much higher in terms of demand and projects were undertaken on a much quicker timescale. For this reason, in earlier projects less formal procedures were followed or procedures tended to change from one project to the next depending on donor requirements.

Communitydrivenapproach-selection

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In earlier projects such as the Express Housing Project in Charsadda, informal committees/ newly formed COs had the task of both selecting and verifying potential participants for the projects. This process was later amended due to transparency issues with committee members found to be largely selecting themselves. In the revised process, it is staff members that draw up this initial list either using the PSC survey as used on the ICMC project or through a two way open discussion between NRSP and the community as used in the second part of the Express Housing project in Thatta. This latter approach has proved much more successful in terms of inclusion and transparency.

Inclusion: women and the poor

The poor

Due to the relatively high contribution expected from beneficiaries, in many of the projects, the very poorest were excluded or in two cases identified in Sindh – unable to complete their houses within the project period. This factor was noted following an assessment of the Express Housing and Rotary International Projects in Charsadda. In the Express Housing Project in Charsadda, the community elders realised that the amount of Rs.100,000 was insufficient to construct a one room unit according to the required specifications. The elders therefore requested that only those who had savings to step forward. “Wedidnotwantafamilyto struggle to build a house ..andlaternotbeabletofinishthisorlaternotbeeligibleforotherfinancialassistance due to already being involved in the Express project.”(SalmanKhan,AkhbarAbad,Charsadda).

Being one of the first areas affected by the floods, Charsadda was one of the worst damaged

Housing committee/ CO meeting in Akbar Abad, Charsadda, KPK

Community in Rajanpur being informed of selection criteria

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areas since people did not have any warning and therefore time to move assets such as farming equipment or livestock. The community here stated that regardless of whether people were considered to be well-to-do or poor prior to the floods, the disaster affected everyone equally. During the focus groups conducted in Charsadda, Jalander Juma Gul, a beneficiary of the Express Housing Project, stated that prior to the floods he was a farmer that tended 20 acres of sugarcane crop for a landowner, when the floods came the entire crop was damaged. Jalander and his family not only lost their house but their main source of income. It is suggested that in future projects where assets are significantly destroyed that regular income and savings and hence a family’s capacity to raise funds for construction are taken into account during selection. This should be both from the perspective of whether they are able to construct a housing unit without project support and whether they are able to complete construction even with project funds.

It is advised that when committee members are selected that it be completed in an open process in conjunction with NRSP. This is particularly important in areas where tribal politics are strong such as in Charsadda. It is also advised that a separate neutral party be used for the verification of participants rather than relying on project staff at the field level or the community themselves. This aspect was also requested by participants for future projects in the ICMC housing areas where they requested that the District Manager confirm participant lists.

In the Express Housing Project in Thatta where selection was undertaken through an open two-way discussion between NRSP and project participants, it was decided that the contribution from the participant should not impede the selection process, as this was felt to prioritise savings over need. Further to this, very few people in Thatta would have been able to meet this condition, also due to the greater number of houses to be reconstructed in Thatta, there was greater leniency in selection and savings were not made a mandatory criterion. Allah Dino living in Rahim Dino Charan stated that “Householdsavingsisanunfaircriteriainsuchasituationwheremostpeoplehavelostalloftheirassets.BynatureofworkingasasmallscalefarmerIhadinvestedeverythingintomyland,however,duetothefloodsIhadlosteverything.TherewasnowayIcouldhavebeenselectedifsavingswasacriteria.” Mir Muhammad, a daily wage earner with a family of 12 stated “mostpeopleinourvillagehavelargefamiliesandconsideringtheaverageincome,notmuchisleftforsavingsthatcouldbeusedforreconstruction.Itshouldbelefttotheparticipanttodecidehowmuchtheyareabletocontribute.”

It was again noted in later projects conducted with ICMC, that 22 potential participants in the lowest PSC category of 0-11 did not receive any support in the way of housing due to their inability to pay the costshare, three of these people were widows. This factor has also increased the gap between rich and poor in some villages with those able to contribute coming from the higher categories of the PSC. Despite this, the selection criterion that those already in possession of pukka housing should be excluded from the project was


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maintained. Although some of the project participants fell into the next category of the PSC (12-24), they were still noted to be needy and all were previously living in kutcha or in a few cases semi-kutcha housing prior to the floods. It was noted that due to the high levels of coverage in the ICMC project villages (due to other housing projects being run in tandem to this), that conflict over selection was lower than in earlier projects.

In the main, project participants were hesitant to come forward to speak out for the poorest that were missed in fear that their houses would be placed at risk in some way. This aspect also shows the vulnerable nature of communities in these areas and the importance placed on such projects. Unfortunately this also meant that those identified as needy by the project but unable to contribute were at times viewed by others in somewhat negative terms. It is suggested that grant provisions/ alternative housing, perhaps at a lower cost, be made available to the poorest families who continue to live in very unhygienic conditions post-flood. It also needs to be made clear to communities in future projects that the inability by some to contribute should not be seen as a threat or hindrance to other project activities.

The continued need for housing amongst the poorest, Kondon Bhai, Rajanpur, Southern Punjab

Kondon Bhai, 37 years old is an inhabitant of village Danusha. She has no education. Kondon states that her life has been a continuous struggle since her husband died six years ago from hepititis C. Kondon was pregnant when he died and the couple already had two young children. She makes money now through cotton picking, labouring, harvesting and charity (zakat).

During the floods, her neighbour, also a CO member, supported her and she moved in with his family. She lived with her neighbour’s relatives for two months in Dingle, during this period three families were staying in the two-room house. Kondon and her children returned to the village when the waters receded staying in an NRSP tent which she shared with four other families. They stayed in the tent for six months sleeping on a rotational basis or at times in the open. After the winter season, the same family assisted Kondon to construct a straw house, she had no money for materials or labour. This type of construction is unhygienic due to the rain coming through the roof and the abundance of flies. It is also extremely hot.

Mamtaz Mai, 50 year old cotton worker, explaining the difficulty in being able to meet the costshare

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“OfcourseIwouldlovetohave a house like the others nowhave.Idon’thavethemoneyforthecontribution,at the most I could pay Rs.10,000,andeventhiswouldbeastruggleforme,Ihave nothing now, how can Igive.”As a widow without support, Kondon and her family were given first priority for housing in the village following the PSC survey but she had no capacity for the contribution and was therefore removed from the list.

Apprehension: the case of Muhammad Siddique, Thatta

Muhammad Siddique, an inhabitant of revenue village Bello participated in the Express Housing Project in Thatta. By profession he is a carpenter and has four sons. Two of his sons work as carpenters whilst the others obtain employment on a casual basis as labourers at local hotels. Even before the floods Muhammad suffered from a respiratory disease. When the floods came his sons had to move him on a stretcher to an army camp located 35 kms from their village in Makli. After staying there for two months, he returned with his family, however, since this time he has been hospitalised two or three times.

Having provided funds for the construction of his house, the work continuously gets placed on hold due to the need to prioritise his medical expenses. The local committee in the area continuously requests the family to complete the construction work, however, due to state of his health and now with the weak condition of his granddaughter who is suffering with kidney problems, progress is slow.

Due to Muhammad’s condition, the family has not prioritised the completion of this construction work. Muhammad Siddique says “IamreallythankfultoNRSPandExpressforselectingmeasaparticipantforthisproject,howevermystateofhealthhasreallymademeredundantandasaresultIhaven’tbeenabletocompletetheconstructionwork.


Kondon Bhai outside her home, Rajanpur

Muhammad Siddique sitting in his home, Thatta

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However,IamadamantthatasmyhealthgetsbetterIwillbeabletocompletethework”.Please note that, since the time of this case study, Muhammad Siddique has managed to complete his house construction.

Women

In the early housing projects initiated, very few terms of partnership (TOPs) were signed with women. This is because these projects were primarily in the conservative area of Charsadda in KPK. It is also very unusual in Pakistan for women to own land and property, this is in the main in the names of men to ensure that these assets stay within the family. For this reason, with the exception of widows, all TOPs for construction work were signed with men. In the later ICMC project in Rajanpur, the donor made the advocacy of women’s rights a strong component of the project and it was therefore made a condition that affidavits were made transferring land into the names of women. Plaques were also placed outside the houses to show women’s ownership of these, CNICs were obtained for documentation and awareness sessions provided on women’s rights. For this reason, although the majority of TOPs on the ICMC project are signed with men (88%), women are essentially now the owners of these houses. This strategy of empowering women through asset ownership was found to significantly increase women’s sense of security stating that this would increase their rights within the household and reduce cases of polygamy. They also stated that their husbands now confer with them more on household decisions such as the education or marriage of their children.

Focus group discussion with women ICMC project Rajanpur

Figure 1: % breakdown of housing contracts by gender

Figure 2: Signing of TOP

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Design against cost

One of the primary concerns from the outset of the NRSP housing programme was to ensure that costs were kept as low as possible to enable as many participants as possible to benefit from the scheme. This was balanced against the need to ensure that houses were safe and as much as possible secure against future flooding. For this reason, despite the cost of materials having doubled since the 2010 floods in Pakistan due to the high number of construction projects, foundations in the unit design were kept deep and made from cement mortar and walls were kept thick. A structural steel t-iron and iron girder were also used to ensure safety and durability. During six focus group discussions conducted in Rajanpur, beneficiaries were asked if they would have preferred the housing to be provided at a lower cost with compromises in the design such as the use of mud mortar rather than cement. 100% of participants stated that they would have been unhappy with any compromises in the design with their primary concern being the safety of their families against future flooding.

For this same reason, in earlier projects such as Express, Behbud an Islamic Charity, where the price of materials and labour was lower, the design was larger incorporating the option of having an added kitchen or veranda. In the ICMC project also, many participants asked for a second stage to the project enabling a kitchen to be added or a storage room, many requested a second smaller area for privacy purposes with large families often residing in the one room structure. In many areas, beneficiaries requested a boundary wall also, this was a major aspect missing in the earlier projects in Charsadda and one that can be easily rectified with the use of bamboo or mud mortar. It is suggested that a programme be designed for additions/ modifications to housing through microfinance.

Table 3: Breakdown of design and cost by project

Donor Units

SizeDuration for unit

construction

Average cost per unit (donor and beneficiary)

Room LatrineVeranda/ kitchen

(optional/ compulsory)

Behbud 40 14’ x 16’ 6’ x 5’ 8’ (optional veranda/ kitchen) 3 months 152,015

ICMC focus group discussion 4, Rajanpur

Design against cost

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Focus Group Discussion 5, Rajanpur

Donor Units

SizeDuration for unit

construction

Average cost per unit (donor and beneficiary)

Room LatrineVeranda/ kitchen

(optional/ compulsory)

Islamic Charity (phase I)

8 14’ x 16’ 6’ x 5’ 8’ (compulsory veranda) 1 month 250,000

10 10’ x 12’ 6’ x 5’ No veranda 1 month 200,000Islamic Charity (phase II) 25 14’ x 16’ 6’ x 5’ 8’ (optional

veranda/ kitchen) 3 months 126,200

Express Housing (KPK) 25 14’ x 16’ 6’ x 5’ 8’ (compulsory

veranda) 1 month 155,200

Express Housing (Thatta)

75 14’ x 16’ 6’ x 5’ 12’ (compulsory veranda) 2.5 months 139,936

Express Housing (DG Khan)

50 14’ x 16’ 6’ x 5’ 8’ (compulsory veranda) 2 months 172,820

Express Housing (Rajanpur)

100 14’ x 16’ 6’ x 5’ 8’ (compulsory veranda) 2 months 166,658

Rotary International 70 14’ x 16’ 6’ x 5’ 8’ (optional

veranda) 3 months 155,643

ICMC (Rajanpur) 250

14’ x 18’6’ x 5’ No veranda 2 months

165,50014’ x 16’

TOTAL 653

Cost

As seen from figure 3, the costshare ranged from Rs.8,455 to Rs.127,734 depending on beneficiary need e.g. family size and capacity. The average costshare has as planned, remained within the bracket of 30-40% with a small number of people exceeding this (shown in the maximum category). The widest variation in costshare range, was found in the project showing the lowest average contribution (29%), the Express Housing Project in Thatta. This is illustrative of inequalities within wealth ranking and asset ownership in Sindh. The highest average costshare was found on the Express Housing Project in DG Khan (41% or Rs. 68,712). It has been noted that the cost of construction has increased through the life of the housing programme. This is due to significant rises in the cost of materials and skilled labour.

Many participants were noted to have sold off livestock and other assets such as jewellery in order to pay the costshare. One problem with this was that

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these assets were sold off very quickly to enable people to construct housing within the project timeframe, for this reason many lost money on these assets, in some cases this was noted to be by as much as Rs. 15,000 per animal. For this reason, participants requested that they be informed of being selected under housing projects up to one month in advance so that they be given time to collect funds for this and liquefy assets. Despite the difficulties some faced in the costshare component, this was noted to enhance the sense of achievement and ownership people had over their homes.

Figure 3: Donor share and costshare range

Design

Design preferences tended to change according to area and hence climate and culture. In the Express Housing and Rotary Projects in Charsadda people were unhappy with the need to add a veranda and in Behbud and Islamic Charity Projects many chose to construct a kitchen instead of this. In contrast, all participants in Thatta chose to extend the veranda from 8’ to 12’. This is due to the more conservative culture in Charsadda with a boundary wall being requested in many cases before participants moved into these houses. In the case of Rajanpur in Southern Punjab, preferences tended to change by UC although many requested a kitchen in all areas. In more conservative villages a boundary wall was also requested. Some families formally living under the joint family system in one house were also found to have separated in Rajanpur choosing instead to build two houses in close proximity or sharing a structural wall.

Design against cost

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In the Express Project in Charsadda people also added rooms, boundary walls, and sanitised toilets, using their own funds, in some cases, the capacity in the way of both funds and labour shown by participants places into question whether some of these can be considered to be the most needy. Other additions included the adding of concrete shelving, ventilator shafts, wooden doors on the windows and extending the roof for more shade. In a few cases, windows were moved to the back of the house depending on the position of the house to the sun. Other additions were primarily in the area of design with these being added to ceilings, walls and on the outside of the house. These were in the main viewed as very positive additions demonstrating that people had a strong sense of ownership over the properties and had personalised them into homes. This aspect contrasted sharply with the top-down approach used for housing in other projects viewed with beneficiaries in some cases choosing not to move into these houses due to problems with design or location. 100% of participants interviewed preferred the owner driven approach to the construction of housing, these included participants from programmes using both top down and owner driven approaches.

Data Management

An MIS database was designed for the project which maintained information on beneficiary CNIC numbers, village names, family name, poverty score, number of family members, number of women beneficiaries in the household, covered area in square feet, cost per square foot, donor share, household share, construction start and end date, features of the construction, account number and GPS coordinates. All programme information on participants and constructed houses is accessible. The comprehensive MIS developed for this programme needs to be used from the field level.

The MIS is managed at the regional level where a full time MIS assistant is responsible for data entry on NRSP infrastructural projects. Field Engineers provide information about the estimated costs which is entered into the MIS. Information about the release of instalments is verified from the Finance section and then entered into the same system. However, the MIS has no option to incorporate the actual costs. During the implementation of these housing projects, regional teams adopted different strategies for data entry. In KPK and Sindh, the actual beneficiary share amount was entered into the MIS while in the DG Khan region, the estimated beneficiary share was entered into the MIS. To obtain the analysis

ICMC Project house, Rajanpur

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of beneficiary costshare, the DG Khan region compiled the information about actual beneficiary shares through a separate survey which is used for analysis in this report. NRSP plans to improve the MIS by adding the field for actual beneficiary costshare, and depending on the size of projects, also deploy this at Field Unit level so that field engineers have direct access to this information.

Design against cost

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Construction and management

As seen from figure 4 many of the housing projects were undertaken in phases meaning that the management of HR had to be very flexible according to project timelines.

Figure 4: Project timelines

Despite the majority of these projects being undertaken in KPK, construction targets remained relatively low with the maximum for houses under construction at any one time reaching 86 houses in May and 96 in June 2011. Much larger projects were undertaken in Southern Punjab with 350 houses constructed in Rajanpur as part of the Express Housing and ICMC projects. Due to these projects being undertaken in the post-flood period, meaning that a large number of schemes were being undertaken in tandem, engineers were overstretched. It is however suggested that it be kept to be maximum of 50 schemes per engineer so that construction can be checked on a daily basis or every other day.

In the ICMC project it was found that up to 331 schemes were allocated to each field engineer (with schemes being defined as any small scale infrastructural initiative such as hand pumps, latrines or housing), meaning that it was not possible to check/ monitor all work on a daily basis. This was primarily due to problems in project management and the distribution of schemes per engineer. This component needs to be planned in advance and taken into account by donors from the project budget stage, particularly for projects where there are multiple schemes/ components significantly increasing the workload. For this

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reason, larger projects had a higher risk of potential errors. The scope for error should ideally be limited as much as possible due to participants having to pay for rectifications during a period when they are already overstretching their household budget. On the other hand, donors are encouraged to be as flexible as possible in house design to limit additional costs for beneficiaries.

Roles and responsibilities

During all the housing projects conducted, clear guidelines were to be provided to engineers and project beneficiaries on unit design, material type and specifications.

Table 4: Agreed roles between NRSP and project participants

Role of NRSP Role of beneficiariesProvide the design and specifications Procure materialsTechnical assistance Organise skilled and unskilled labourFacilitating financing Participate in project meetingsOrientation training for participants and masons

Manage the construction work

Quality control and monitoring Adhere to safety guidelines

It was found that in Express Housing, Islamic Charity, Behbud and ICMC, these guidelines were in the main followed. In the case of the Rotary Projects conducted in Charsadda, there appears to have been some confusion among field engineers resulting in houses of different sizes/ specifications being constructed. However, despite these variations, all safety guidelines were adhered to.

Procurement

Due to the high number of construction projects post-flood in rural areas, the cost of materials raised considerably during the programme period. This is reflected in the rising costs of construction in the latter projects undertaken. To facilitate procurement, village level procurement committees were set up consisting of four to six beneficiaries. The scope of work these committees undertook tended to change from project to project being decided by the participants themselves.

Construction and Management

Engineer taking and comparing levels, Thatta, Sindh

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The committee system was used most successfully in the Express Housing Project in Thatta, here, these committees were used to purchase all construction materials in bulk lowering costs. It was very challenging to transport materials in this area due to road blockages, stagnant water and the fact that the project villages were quite remote, these factors made transaction costs very high. Due to the shortage of materials in the area immediately post-disaster, these committees also setup and managed a system whereby any extra materials could be given to another family. This system of exchange was also used if a family had materials but did not yet need them; these would be provided to another family and replenished when further materials arrived through the committee. In this way, many problems were resolved and delays avoided. Although the system of exchange was not practiced in the ICMC Rajanpur Project, materials were again purchased in bulk and transport arranged through the procurement committees. In this case, the committee was also used to keep a record of transactions to facilitate project management and monitoring. This was noted to have greatly assisted more vulnerable people such as widows. In other projects such as the Rotary Housing Project in Charsadda, these had a more advisory role informing people of where they could find the necessary materials.

Labour

Again due to the high number of construction projects post-flood, there was a shortage of skilled labour in many areas. This particularly affected Thatta where the supply of skilled labour is already low. In Thatta, it was also difficult for participants to prioritise construction work due to it being the season for sowing crops. These factors both slowed progress at the initial stages and raised the price of masonry work with participants in Thatta paying as much as Rs. 600-700 per day. In contrast, many men from the project areas of Charsadda work as day labourers. This was a major advantage for this housing project speeding up construction. In the Express Housing and ICMC projects in Charsadda, Thatta, DG Khan and Rajanpur, it was ensured that houses had the same specification and size

The construction process in ICMC, Rajanpur

Committee review meeting, Rajanpur

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across the board. However, for other projects in Charsadda noticeable variations were seen in this. In some cases this was due to the unavailability of field engineers meaning that work was not checked at frequent intervals, in other cases this condition was unclear or not a priority for donors meaning greater flexibility was allowed on these projects.

Instalments

Set milestones were provided for the release of instalments. The first instalment was provided after the construction of the plinth, the second following the completion of masonry work upto the roof, the third was released after the plaster work, and the final instalment was given on completion of the work. Each instalment was approved following an inspection of each of the key stages by NRSP engineers. In Charsadda, these instalments were transferred to the participants’ bank accounts, bearer cheques were issued to those in Thatta as many did not have access to a bank account. In many cases where cheques were distributed, this was the first time that participants, both men and women, had entered a bank broadening their understanding of how the banking system functions. In the ICMC project, beneficiaries from each village chose to go together to collect their instalments. Many participants stated that this was the first time they had been to such a building or even joined a formal queue for something. The milestones used for the release of instalments were also used to report progress on the projects.

Support

The burden on field engineers was excessive in some projects and as a result of this, in some cases, people did not receive the support they needed. This was noted in the Rotary projects where participants carried out all work individually in procurement, the selection of masons and in the transportation of materials. On none of the projects did participants or engineers receive a project orientation or training. This was requested to be added into the project design by all participants stating that it would have reduced costs and stress had they been more aware of the procedures. Participants requested training in negotiation, price awareness, on which materials to purchase and from where and on basic construction and the monitoring of this work. Due to the high workload of field engineers on the project, it was found that some of the more vulnerable beneficiaries such as widows were not provided with adequate support in the construction process.

Cheque distribution, DG Khan, Southern Punjab


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More support needed for widows: Nara Mai, Rajanpur

Nara Mai is 65 years old and resident of village Danusha where she has lived all her life. Her husband died sixteen years previously due to a problem with his liver. She has six children, all girls, four are now married and two reside with her. She earns an income cotton picking and harvesting crops occasionally travelling to Rahim Yar Khan for work. She states that there have always been floods in the village but nothing like that seen in 2010.

When the floods came, Nara moved with her family to a school in Umerkot. She found this period stressful as she was continuously worried about expenses. “We were not earning moneyandjustspending,wehadtobuyeverythingandbringitfromthecity…tea,food…It was very expensive, normally we make or grow these things at home or buy them in the market, even getting water wasaproblem.” After the water receded the family moved back to their village to find their house had been completely destroyed. They built a temporary straw/ mud hut which Nora had learnt to do from her parents. “Therewasnoplacetocookin the hut and rain water continuously came inside destroyingthefewbelongingswehadleft.”

Nora was relieved and happy when the ICMC project came. Prior to the project the whole family lived in a one room house together, during the project they took the opportunity to separate the family into two houses sharing a structural wall; this was to enable more privacy and space. Nora is happy to have her own home now with her two daughters but states that the process of construction was very difficult for her. “I was dependent on others foreverything:thedoor,windows,masons,walls,cement…Ihadtoaskagainandagain.Icouldn’tgotothemarketoftenmyself,IgettravelsickandIwassostressed,afewtimeswe went to get the cheque on the motorbike and we had to stop at the hospital on the way as Iwassosickwithstress.Iwastensealsoduetotherushinthebank,thereweresomanypeople,despitethis,theywereveryrespectfulandtheytookmetothefrontoftheline.” Nora’s daughter states that the engineer guided her on how to correctly construct the house and to some extent she understood a lot of what she had to do although some type of daily support in getting materials and labour would have helped her further. “My mother (Nora) would go to each and every house being constructed in the village on a weekly basis, she would check each and everything and compare it to her own house, she would then tell the mason that her house should be the same; she has a design on her wall also, no one

Nara Mai discussing the construction process

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elsehasthis,nowIthinkshehasthebesthouseinthevillage.Sheisverydisciplined,shelikes neatness and things to be clean, that’s another reason the construction process was so stressfulforher”. Nora says that no one can ask anything from her now, “I have achieved everythinginthishouse.”


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Summary: the community driven approach vs. the donor driven approach

The rationale behind the community driven approach is that it is cost effective, quick, builds capacity at the community level, and creates a sense of ownership or homes rather than units. A comparison of the donor driven (top-down) versus community approach (driven from the grassroots levels) is provided in table 5:

Table 5: Comparison of donor driven versus community driven approach

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Summary:thecommunitydrivenapproachvs.thedonordrivenapproach

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Participant feedback and key findings

653 houses have been constructed to date using the NRSP low cost housing model in Thatta (Sindh), Charsadda (KPK), Rajanpur and DG Khan (Southern Punjab).

Design: The central areas where changes were requested were:

• in the provision of shade (in later projects where the veranda was excluded from the design),

• shelving • the addition of a second room for privacy i.e. in the case of larger/ joint families or to

be used for storage• the addition of a boundary wall

Cost: The average cost per unit including beneficiary share was Rs.151,887. The lowest cost per unit was found on the Express Project in Thatta at Rs.139,936 and Phase III of the Islammic Charity project (Rs.126,200) with Rs.80,000 being contributed by the donor rather than Rs.100,000 as provided on most owner driven projects. The highest cost was found on the Islamic Charity (Phase I) project in Charsadda at Rs.250,000 where the amount was fixed with no costshare.

• Costshare: The average costshare (excluding the two phases under the Islamic Charity Project where this was not a requirement) was Rs.54,744. The highest average for this was found in the later project funded by Express in Rajanpur and DG Khan (Rs.68,712) following significant rises in the price of construction materials and labour. The lowest costshare was provided on the earlier project funded by Express in Thatta.

• Costshare vs. the inclusion of the poor: Due to the costshare requirement, the poorest were found to be in the main excluded from the scheme widening the gap in communities between the poorest and the “rest”, with housing found to lead to a significant rise in social status. Where the poor were included (in the Thatta project) there were a few cases where they were unable to complete their houses with household budgets already stretched to the limit due to health/ medical or other expenses.

Completed house in Thatta, Sindh under the Express Housing Project

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Inclusion of women: • Few TOPs were signed with women for the construction of housing. This is due to

the fact that few women own land titles in Pakistan. • A significant impact in the area of women empowerment was found under the later

ICMC project in Rajanpur where affidavits were made to transfer land into the names of women as a condition for housing. This was found to increase women’s sense of security and status within the household.

Timelines: The average timeline for project completion was two months. • Project timelines were heavily dependent upon the supply of skilled labour and

construction materials. This is shown in the case of the Express Housing project in Thatta where severe shortages in skilled labour extended the project by a month and a half.

Technical support: • More support was found to be needed for widows and other vulnerable groups who

found the construction process difficult and stressful having little exposure, life skills or awareness of pricing, labour and procurement.

• In connection to this, it was found that ideally each field engineer should not be responsible for more than 50-60 schemes at a time. Where schemes were found to be unevenly distributed resulting in a higher than average number of schemes per engineer, the margin for error/ mistakes in construction was found to be higher resulting in an increased cost for beneficiaries where corrections were needed to ensure that safety guidelines were followed.

• Training:Participants requested a 1-2 day training to be provided on safety guidelines, the unit model, pricing and market awareness and on how to monitor construction work. Field engineers also requested that a comprehensive orientation workshop take place at the start of each project outlining donor requirements, unit specifications and timelines.

Participantfeedbackandkeyfindings

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The way forward

100% of beneficiaries were found to be in support of this housing model and approach. This report therefore concludes with recommendations on how programmes of this type can be upscaled whilst maintaining or even improving impact.

• Design: the one room, latrine with the optional veranda/ kitchen was found to be the preferred model. Although in cases where a veranda is chosen some provision should be made for a temporary boundary wall either made from bamboo or straw like material.

• Flexibility: The core reason participants prefer this approach is that they obtain a home rather than a unit. If this approach is to be maintained, control over the process and to some extent the design of the unit must remain with the participants.

• Selection: this should be completed in a transparent process using the Poverty Scorecard or through a two-way open discussion between the project staff and community members. Individual interviews should also be conducted by at least two members of staff to verify selected participants. This should be conducted by neutral actors who will not be directly involved in implementation such as MER.

• Cost: Due to the rising cost of material and skilled labour, the donor share needs to be increased by an average of 20% per year with inflation. This may need to be increased further depending on market demand and pricing. However the percentage should remain at 70-80% donor share and 20-30% as the participant share with this varying slightly depending on average incomes in the project area and transaction costs in the market.

• Materials: 100% of beneficiaries preferred the permanent but more expensive option of using cement mortar rather than mud mortar. This is because security against future disasters (flooding or earthquakes) was placed as peoples’ first priority in construction.

• Database Management: The MIS should be used to obtain regular information on the status of individual beneficiaries. This should be updated from the field level to reduce time for data entry and ensure that the Project Manager, donor and finance receive as up-to-date information as possible.

• Larger grants are to be provided to the destitute defined as those in the

Beneficiary family, Rajanpur, under the ICMC project

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category of 0-9 of the poverty scorecard or those who otherwise do not have the capacity to participate in the programme. In the past, these have been largely excluded from these projects further increasing the poverty gap.

• Support: Greater support is to be provided in future programmes to widows and the vulnerable during the process of construction in the way of technical support/ monitoring.

Mainstream programme for housing (excluding post-disaster period)• Scope for microfinance initiatives: A microfinance programme could be initiated

for those who require the construction of a second room or additional improvement to the property.

• Empowering the vulnerable: There is scope for this programme to be initiated alongside a land redistribution scheme to enhance opportunities for women empowerment, one such project being the Small-House-cum-Garden project currently underway in Southern Punjab.

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Success Stories

Kima and Suke Bash, Rajanpur (ICMC)

Kima and Suke, aged 43 and 46, have ten children, four of which are attending school. Kima has no education and Suke has studied until metric level. The family work as labourers cotton picking, harvesting wheat, livestock rearing and cleaning houses. The family learnt about the coming floods from newspapers, mobile phone alerts, the police and radio messages.

When the floods arrived in their village, the family travelled on a police boat to a school in Umerkot. Buffalos were moved using swimmers and the goats and sheep taken on the boat. During this period approximately 1,000 people were residing in the fourteen-room school building with three to four families allocated to each room. They resided in the school for two months. For the first 2-3 days they received food from different organisations and then after that they bought this themselves. Access to clean drinking water was a major problem but Kima states that after some time a “water machine” was provided. They washed their clothes in a nearby canal. “It was very difficultasthefirstdaytherewasnowheretosit.Wehadnofodderforourlivestock.Luckily we had no issues with security as we knew the other familiessharingtheroomwithus.”

When the family returned to the village there was nothing left, the village appeared flat. “Itwasahorribleplace,ourhousesweregone,therewerejustsomedamagedthingsontheground.Webecameverytensewhenwesawthis.” The family constructed a straw hut but they state that living in these is extremely difficult due to the heat and abundance of flies every afternoon. “Thehutswerenotsecure,therainfrequentlycameinandourchildrenfellsickwithdiarrhoea,itfeltverycongestedinsideandhotandtherewasnoelectricity.WelivedinthehutforsevenmonthsbeforetheICMCprojectcametoourvillage.” The family state that it was difficult constructing the house. “We carried materials on our heads during therainsandsometimeswefell,wesoldourjewelleryandlivestockcheaply,weworked6-8hoursonthehouseandthencompletedourworkinthefields,wefacedproblemsobtainingbricksandgettingagoodmason–NRSPnevercompromisedonthequalityofmaterialtobeusedbutwearenotangryaboutthesethings.Weknewdoingallthiswouldhelpusinthelongtermtoconstructabetterhouseforourfamily.Nomatterwhatwefaced,wealwaysbelievedwewouldfinish.”

Kima and Suke Bash with their children outside their home

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The family now has an increased sense of security and in their new house they are not affected by the rain. “Whenourhousewascomplete,wehadthesamefeelingsasifasonhadbeenborn,weweresohappy.”

Umair Zeb Jahanzeb, Charsadda, KPK (Express Housing)

Umair Zeb Jahanzeb, his wife Basirat and their two children were living in a one bedroom mud house prior to the floods. Umair’s profession as a labourer often required him to travel as far as Kashmir to work on livestock farms, in the fields and on construction sites. Since the floods occurred he has remained in Akbar Abad attempting to find some means of ensuring the safety and health of his wife and two young children. Basirat often spent her days taking care of her two-year old son and three-year old daughter stitching clothing, bed sheets, and other linens for her family.

When the rains came, their house was swept away along with their personal belongings, and their security. Basirat’s sewing machine, her main activity in the home, was also damaged by the flood waters. After the floods, Umair and Basirat lived in a tent with their two children in Hisara Camp for five months. “ItwasatoneoftheCOmeetingsthatIlearned about the Express NewsHousingProject.” Umair consulted with his neighbors who had been selected as participants for other similar housing ventures, such as the Diakonie project. From these, he learned about the type of challenges he would face and how the project would support him to overcome these.

“ThecommunityeldersinformedpotentialbeneficiariesthattheExpressNewsProjectwouldprovide100,000rupeestoconstructaoneroomhousingunit.Asacommunityweallagreedthatthisamountwouldnotbeenoughtocoverthecompletecosts” said Umair “I had 40,000 rupeesofsavingsthatIwaswillingtocontributetotheconstruction”.“WhenIputmyownmoneytowardsbuyingthematerialsandpayingforconstructionIfeltlikethishousewasmyown.Express,NRSPandtheCOwereflexiblewithmeabouthowIcouldconstructmyhouse.” It was this sense of ownership and the flexibility of the design that sped up the construction process for many to less than a month.

For Umair the completion of his house and settling in was one of the happiest days of his life. Unfortunately the family faced a further shock on February 10th when his brother

Success Stories

Basirat picks out clothes for her 4 year old daughter to wear. Life has become a little easier for her since moving from Hisara Camp.

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Muhammad aged 18 was killed by a suicide bomb attack in Charsadda. Muhammad had gone to the market to sell his donkey cart, someone placed a bomb device underneath the cart. Many of the community members identify Umair as one of the most deserving people in the village. “It’sonethingtobepoor,andthentobefurtherimpoverishedbycircumstancessuchastheflood.ButthentofacethisformofterrorismisveryunfairandnotthetypeoflifeIwouldwishforanyone.”

Basirat is hopeful that once she is fully settled into her new house, she will start her own informal tailoring business. She discussed her plans to obtain a second-hand sewing machine or potentially repairing her old one. Basirat realised that her husband does not have to be the sole earner of the family. “I am not embarrassed to work, as I know I am doingitforthewellbeingofmychildren.”“Asmuchaswehavebeenthrough,insteadoffallingintoself-pityIamgratefultoAllah,myfamily,NRSPandExpressNews.Myfamilyhashaditsshareofproblems,butatleastweareoutofthetentsandIhaveahousewheremydaughterandsonhaveachancetoliveabetterlife.” –Umair.

Feroz Shah (Rotary International)

Feroz Shah, aged 65, is a resident of village Hisara, Charsadda. The family includes three daughters and two sons. Feroz brought up the children by himself after his wife passed away due to illness. Feroz earns income to support his family working as a shoemaker from which he earns Rs.300-350 for 8-9 hours on daily basis.

Prior to the floods, the family were living in a two-roomed mud house. This made them highly vulnerable to flooding and other hazards. When the floods came in early August 2010, the family along with other households had to leave the village. All their assets were destroyed as the water reached a height of 10-12 feet reducing to rubble the family house where they had resided for the past twelve years. Feroz Shah states that “theadventofthefloodswasacalamityforus,therewassomuchchaosanddestructioneverywhere,thedifficultieswefacedatthattimecanneverbeerasedfromourmemories.”

After fleeing from their home, Feroz and his family shifted to a village called Pernga in Charsadda where they moved in with relatives for five months. Feroz says that it was difficult living with their relatives as they had a small house. “When we returned to our village,ourhomehadbeendestroyed,nothingwasleftofit,waterwaseverywhere.”

Feroz Shah, enjoying an afternoon with his two sons and three daughters in his veranda

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The community as a whole identified the reconstruction of housing as one their most important priorities. The community members contacted NRSP for assistance and the housing project was implemented with funding from Rotary International.

Feroz constructed his house within two months using the Rs. 100,000 grant provided by Rotary International and also contributed Rs. 100,000 in funds himself by borrowing from different relatives. “Iworkedreallyhardfortheconstructionofmyhouse.Iamthankfulalsotothesupportofmyrelativesinthis.IwasverytenseafterthefloodsbelievingthatIwouldnotbeabletoconstructanotherhouseformychildrenwhohavealreadygonethroughsomuchintheirlives,butwhatwebelievedtobeimpossiblehashappened.Wefeelthatwearenowmoresecure,wealsohavepropersanitaryfacilities.Wefeelthatintheadventoffloodsinthefuture,wewillbemoreprotected.” Feroz also states that his perception of the home has altered because of the project, “Wealsonowunderstandtheimportanceofinvestinginourhometomakeitcomfortableandsecure.”

Khadim Hussain, Thatta, Sindh (Express Housing)

Khadim Hussain a resident of village Rahim Dino Charan lives in his newly constructed house with his five brothers, wife, mother and four children. Following his parents, he works as a mason and earns Rs. 300-350 for 6-7 hours work. Before the floods came he used to live in a one room mud house, where his family were highly vulnerable to natural disasters. When the floods came in early August, he along with about 135 other households had to leave the village. All his assets were destroyed as the water reached a height of 10-12 feet reducing his house to rubble. Khadim Hussain states that “theadventoffloodprovedtobeacalamityforus,atthattime,chaoswaseverywhereandwejustleftourhouseswithnoplanningorthoughtastowherewewouldgo.Thesufferingwefacedatthattimecanneverbeerasedfromourmemories”.

After leaving their house, Khadim and his family sought refuge first on the roadside and then on the empty grounds near Makli. They were provided with tents and food by an INGO from Iran; however aid was delivered at irregular intervals, so often they had to seek support from their relatives and caste members. After two to three months, Khadim and his family returned to their village. His wife, Zarina states that “when we returned, our house was barely recognisable, nothing wasleftofit,waterwaseverywhere and only debris and mud remained where our househadoncestood.” Khadim Hussain enjoying a quiet afternoon with his two sons

in his veranda.

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Kadim along with other community members identified the reconstruction of housing as on essential priority for inhabitants after which assistance was sought from NRSP and funding later obtained from Express News. Khadim viewed the process of the selection of participants as fair and transparent. He states “theselectionofparticipantswasundertakenthroughmutualdialogueandconsensusreachedbetweenNRSPstaffandcommunitymembers,innowaywascontributiondemandedfromparticipantsandtheabilitytocontributewasnotaconditionforjoiningtheproject”.

Khadim constructed his house within one month using the grant of Rs. 100,000 given through Express News and has contributed some of his own resources with money collected through his other five brothers who are also labourers. In regards to the instalment process, Khadim agreed that linking these to progress construction at each level allowed them to understand the importance of construction milestones. Kadim states that “we now understandtheimportanceofaddingvaluetoourhouse.ThroughsomeresourcesonourownpartwehaveaddedplastertotheinsidepartofthehouseandintimewewillmakeitRCCfitted,westillhaveelectricityproblemsintheareasointhefuturewewilltrytofitafanontheveranda”.

Myentirefamilyworkedhardfortheconstructionofthehouse,thewomeninthefamilywerealsoinvolved.Throughtheassistanceoftheprocurementcommitteewereceivedconstructionmaterialwheneverwefacedshortages,henceourworkwasn’tstalled.Todaywefeelthatwearemoresecure,wealsohavepropersanitaryfacilities.Intheadventoffloodsinthefuture,weareconfidentthatourpreparationwillminimiseanydamage-KhadimHussain

Abid Hussain, DG Khan (Express Housing Project)

Abid Hussain is resident of Basti Dhadhar Wala. He has seven children including two sons, Khalid Hussain and Tariq Hussain, with physical disabilities. Khalid aged 20, was healthy until the he was eight years old. The condition of his legs gradually deteriorated with time and the family were unable to maintain treatment for him due to the expense of this. Khalid is now unable to move unaided even within the house; he is dependent on his family for his every need. His younger brother Tariq, 18 years old was also healthy until the age of 12 when he was affected by polio. The family were again unable to fund proper treatment for Tariq, now unable to move or stand by himself. Their father states that the whole family is distressed by their situation. Khalid and Tariq Hussain outside newly constructed house

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Prior to the floods, the family were living in Arain Wala, located close to the Indus River; this area was completely flooded destroying most of the houses in the village. Abid’s house was also destroyed and the family’s belongings swept away. Abid states that due to the rapidity at which the flood waters rose, it was very difficult to take his two sons from the house, both having physical impairments in their legs. They were very frightened by the waters panicking at the prospect of being unable to escape.

After the floods they lived in tents, they had no income to start constructing a new house. Abid states that he was very relieved and happy when he learnt that his family had been selected to participate in the NRSP-Express Housing Project. NRSP also gave him assistance and facilitated him in all aspects of the construction process. With this assistance, Abid managed to complete the room with the latrine in two months, “I am very happythatwereceivedthisassistance,Godwillrewardthosewhogaveusthismoney”.

Gul Wali, Charsadda (Behbud Association)

Gul Wali, aged 43, lives with his wife and six children in village Kamar Kali, Charsadda. Neither husband nor wife have ever attended school. Gul works as a daily wager earning an average of Rs. 200 per day. Gul states that it is very difficult for him to support his family on this income.

The family’s home was washed away in the 2010 floods. After the floods they moved to rented accommodation in Sadar Garhi. The rent came to Rs. 800 per month which enabled them to have a small room but with no open space. The family lived together in this room for eight months. Although the rent was relatively low, it amounted to more than a week’s earnings for Gul who only obtains work on a casual basis and the family struggled to pay this. The owner of the house was also putting pressure on Gul to work on his land, and in his home at no cost. Gul owned a small plot of land, but he was unable to start constructing a home on this, due to having no permanent source of income.

NRSP with the help of Behbud provided one hundred thousand rupees for the construction of the family’s home. Gul borrowed a further Rs.40,000 rupees from family members bringing the total cost of his home to Rs.140,000. With the assistance of NRSP engineers, Gul managed to complete the construction in three months. Now Gul is living happily with his family without stress. “Thisismyownhouse,andthereisnoonecannowwho

Gul Wali standing outside his newly constructed house with his family

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cancompelmetoworkforfreebecauseoflivinghere.” Gul was unable to pay for the cost of the veranda, but he has constructed the boundary wall and the family feel more secure with this. Gul shifted to the new house with his family soon after the construction was completed. He is now working to return the money he borrowed from his family through the money he earns from daily wage work. “IwillneverforgetthesupportofNRSPandBehbud,theassistanceoftheseorganisationsgaveusthecouragetoliveindependently.”

Hazrat Bilal, Charsadda, Islamic Charity

Hazrat Bilal, son of Fazli Malik, is resident of village Bela in district Charsadda. Hazrat who is educated to degree level, has only one child, his daughter. Prior to the 2010 floods, the two lived with his two brothers and parents in a five roomed house. The family obtained their income through growing sugarcane on eight jareeb of land which they owned. When the floods came, Hazrat and his family moved to a camp for flood affected families based in the Government Primary School Dera Kai. The family spent two and a half months in the camp later moving in with another family member in Union Council Katozai. During the floods, three rooms within the family house were destroyed along with all their belongings.

After conducting a damage assessment of housing in the area, the NRSP registered Hazrat’s name in the house construction project. Under this project Hazrat managed to construct a new room for his family who contributed Rs. 44,000/- to the cost of the construction. The family purchased all material under the supervision of the NRSP field engineer. Funding for the construction was transferred in four tranches into Hazrat’s account. Each tranche was released following the inspection and approval of the Project Field Engineer on progress made and safety checks. It took almost three months to complete the construction of Hazrat’s one room unit, his family also added another room from their own funds due to the size of their family meaning that more space was needed. Technical guidance was provided to them throughout by NRSP engineers.

Since the completion of the construction, the family state that they have had no problems with the building work with good quality materials being used. The NRSP team further helped the family by clearing the debris from his land and in the provision of hygiene kits, kitchen sets, and a tarpaulin sheet. Hazrat has now obtained employment in the police

Hazrat Bilal standing outside his newly constructed house, Charsadda

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department earning a monthly income of Rs. 18,000/-. Hazrat states that he and his family are extremely grateful for the support and guidance of NRSP and Islamic Charity in the construction of their home. “Thiswasbuiltatatimewhenwehadalmostnothingandwhenweneededitthemost.”

Success Stories

Annexes

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Annex 1: Agreement with Beneficiary

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dar

Has

an Z

aiM

imta

zira

Sada

r Gha

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3Lo

w C

ost H

ousi

ng U

nit

2/26

/201

110

0,00

010

0,00

072

,500

172,

500

100

30/0

6/20

11

Shab

qada

rSh

abqa

dar

Has

an Z

aiM

ousa

war

Kha

nSa

dar G

hari

18

Low

Cos

t Hou

sing

Uni

t2/

24/2

011

100,

000

100,

000

55,6

0015

5,60

010

030

/06/

2011

Shab

qada

rSh

abqa

dar

Has

an Z

aiM

uham

mad

Am

een

Sada

r Gha

ri1

5Lo

w C

ost H

ousi

ng U

nit

2/25

/201

110

0,00

010

0,00

075

,000

175,

000

100

30/0

6/20

11

Shab

qada

rSh

abqa

dar

Has

an Z

aiM

uham

mad

iqba

lSa

dar G

hari

14

Low

Cos

t Hou

sing

Uni

t2/

23/2

011

100,

000

100,

000

76,0

0017

6,00

010

030

/06/

2011

Shab

qada

rSh

abqa

dar

Kato

Zai

Muj

eeb

jan

Sada

r Gha

ri1

9Lo

w C

ost H

ousi

ng U

nit

5/15

/201

110

0,00

010

0,00

042

,000

142,

000

100

30/0

6/20

11

Shab

qada

rSh

abqa

dar

Has

an Z

aiN

asir

Khan

Sada

r Gha

ri1

9Lo

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ost H

ousi

ng U

nit

2/27

/201

110

0,00

010

0,00

048

,000

148,

000

100

30/0

6/20

11

NRSP O

wner D

riven Low Cost H


ith Express New




K

Page 45

Tehs

ilFi

eld

Uni

tU

C N

ame

HH

Ow

ner N

ame

Villa

ge N

ame

Bene

ficia

ries

Popu

latio

nPr

ojec

t Typ

eD

ate

of

Initi

atio

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ent

Don

or

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eH

H

Ow

ner

Tota

l Cos

tPh

y Pr

og %

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e of

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mp:

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llah

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2/24

/201

110

0,00

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056

,000

156,

000

100

30/0

6/20

11

Shab

qada

rSh

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Has

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aiN

azar

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2/27

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0,00

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0,00

057

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000

100

30/0

6/20

11

Shab

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rSh

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Has

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aiN

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acha

Sada

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6Lo

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ousi

ng U

nit

2/23

/201

110

0,00

010

0,00

041

,000

141,0

0010

030

/06/

2011

Shab

qada

rSh

abqa

dar

Has

an Z

aiPa

ri M

uhta

jaSa

dar G

hari

15

Low

Cos

t Hou

sing

Uni

t2/

25/2

011

100,

000

100,

000

48,0

0014

8,00

010

030

/06/

2011

Shab

qada

rSh

abqa

dar

Has

an Z

aiSa

bzal

i Kha

nSa

dar G

hari

18

Low

Cos

t Hou

sing

Uni

t2/

24/2

011

100,

000

100,

000

55,4

0015

5,40

010

030

/06/

2011

Shab

qada

rSh

abqa

dar

Kato

Zai

Saha

wat

Sha

hSa

dar G

hari

18

Low

Cos

t Hou

sing

Uni

t5/

15/2

011

100,

000

100,

000

53,2

0015

3,20

010

030

/06/

2011

Shab

qada

rSh

abqa

dar

Has

an Z

aiSa

if U

r Reh

man

Sada

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ri1

8Lo

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ousi

ng U

nit

2/25

/201

110

0,00

010

0,00

058

,400

158,

400

100

30/0

6/20

11

Shab

qada

rSh

abqa

dar

Has

an Z

aiSy

ed B

hada

rSa

dar G

hari

110

Low

Cos

t Hou

sing

Uni

t2/

25/2

011

100,

000

100,

000

38,5

0013

8,50

010

030

/06/

2011

Shab

qada

rSh

abqa

dar

Kato

Zai

Syed

Ibra

r Sha

hSa

dar G

hari

111

Low

Cos

t Hou

sing

Uni

t5/

15/2

011

100,

000

100,

000

45,6

0014

5,60

010

030

/06/

2011

Shab

qada

rSh

abqa

dar

Has

an Z

aiW

ajid

Kha

nSa

dar g

hari

16

Low

Cos

t Hou

sing

Uni

t2/

23/2

011

100,

000

100,

000

46,8

0014

6,80

010

030

/06/

2011

Shab

qada

rSh

abqa

dar

Has

an Z

aiYa

r Hus

sain

Sada

r Gha

ri1

7Lo

w C

ost H

ousi

ng U

nit

2/26

/201

110

0,00

010

0,00

049

,500

149,

500

100

30/0

6/20

11

Shab

qada

rSh

abqa

dar

Has

an Z

aiZa

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Reh

man

Sada

r Gha

ri1

8Lo

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ost H

ousi

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nit

2/27

/201

110

0,00

010

0,00

046

,900

146,

900

100

30/0

6/20

11

Shab

qada

rSh

abqa

dar

Has

an Z

aiZa

rnos

h Kh

anSa

dar g

hari

18

Low

Cos

t Hou

sing

Uni

t2/

25/2

011

100,

000

100,

000

37,5

0013

7,50

010

030

/06/

2011

Tota

l Sc

hem

es:

40G

rand

Tot

al40

302

4,00

0,00

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P O

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en L

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ngin

par

tner

ship

with

Exp

ress

New

s H

elpl

ine

Trus

t, IC

MC,

Rota

ry In

tern

atio

nal,

Behb

ud A

ssoc

iatio

n an

d Is

lam

ic C

harit

y U

K

Page 46

Anne

x 3:

Lis

t of b

enefi

ciar

ies

- Isl

amic

Cha

rity

(Cha

rsad

da, K

PK)

Tehs

ilFi

eld

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9/16

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00

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10/3

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Char

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10/1/

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Char

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2010

Char

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0,00

020

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000

100

10/3

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Char

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000

100

10/3

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10

Char

sadd

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10/1/

2010

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16

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Char

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Char

sadd

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Moh

amm

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Muh

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Akba

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9/16

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100

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10

Char

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14

Low

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2010

Char

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amm

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asib

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17

Low

Cos

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sing

Uni

t10

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0,00

025

0,00

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100

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10

Char

sadd

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Moh

amm

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Nia

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19

Low

Cos

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Uni

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10

Char

sadd

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Moh

amm

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Saba

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110

Low

Cos

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sing

Uni

t10

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025

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250,

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100

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10

Char

sadd

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Moh

amm

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Sabi

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17

Low

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2010

Char

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Shar

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19

Low

Cos

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sing

Uni

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0,00

025

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250,

000

100

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Char

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Moh

amm

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d1

8Lo

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nit

9/16

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00

200,

000

100

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10

Shab

qada

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Afza

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nit

4/25

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180

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4/25

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011

Shab

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16

Low

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Uni

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80,0

0080

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6/30

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1

Shab

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Baht

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nit

4/25

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011

Shab

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rSh

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la1

11Lo

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4/25

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0010

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011

Shab

qada

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18

Low

Cos

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sing

Uni

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011

80,0

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100

6/30

/201

1

Shab

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rSh

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anBe

la1

7Lo

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ousi

ng U

nit

4/25

/201

180

,000

80,0

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80,0

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06/

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011

Shab

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rSh

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dar

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Haz

rat B

ilal

bela

111

Low

Cos

t Hou

sing

Uni

t4/

25/2

011

80,0

0080

,000

080

,000

100

6/30

/201

1

NRSP O

wner D

riven Low Cost H


ith Express New




K

Page 47

Tehs

ilFi

eld

Uni

tU

C N

ame

HH

Ow

ner N

ame

Villa

ge N

ame

Bene

ficia

ries

Popu

latio

nPr

ojec

t Typ

eD

ate

of

Initi

atio

nD

isbu

rsem

ent

Don

or

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H

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ner

Tota

l Cos

tPh

y Pr

og %

Dat

e of

Co

mp:

Shab

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Kato

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n Kh

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ng U

nit

4/25

/201

180

,000

80,0

000

80,0

0010

06/

30/2

011

Shab

qada

rSh

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Kato

Zai

Isla

m G

ulbe

la1

6Lo

w C

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ousi

ng U

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4/25

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180

,000

80,0

000

80,0

0010

06/

30/2

011

Shab

qada

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abqa

dar

Kato

Zai

Jeha

nzeb

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16

Low

Cos

t Hou

sing

Uni

t4/

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011

80,0

0080

,000

080

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100

6/30

/201

1

Shab

qada

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19

Low

Cos

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sing

Uni

t4/

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011

80,0

0080

,000

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100

6/30

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1

Shab

qada

rSh

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Meh

naz

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m F

bela

110

Low

Cos

t Hou

sing

Uni

t4/

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011

80,0

0080

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100

6/30

/201

1

Shab

qada

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Zai

Muk

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15

Low

Cos

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sing

Uni

t4/

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011

80,0

0080

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100

6/30

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1

Shab

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Nau

shad

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19

Low

Cos

t Hou

sing

Uni

t4/

25/2

011

80,0

0080

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080

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100

6/30

/201

1

Shab

qada

rSh

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Kato

Zai

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19

Low

Cos

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sing

Uni

t4/

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011

80,0

0080

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080

,000

100

6/30

/201

1

Shab

qada

rSh

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Raza

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11Lo

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ousi

ng U

nit

4/25

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80,0

000

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0010

06/

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Shab

qada

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4/25

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80,0

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0010

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011

Shab

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rSh

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h ja

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4/25

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180

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80,0

000

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011

Shab

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16

Low

Cos

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Uni

t4/

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80,0

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100

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1

Shab

qada

rSh

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Zai

Shah

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n Ba

dsha

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la1

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4/25

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180

,000

80,0

000

80,0

0010

06/

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011

Shab

qada

rSh

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dar

Kato

Zai

Taj M

aloo

kBe

la1

10Lo

w C

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ousi

ng U

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4/25

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180

,000

80,0

000

80,0

0010

06/

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011

Shab

qada

rSh

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Tila

Muh

amm

adBe

la1

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Page 48

Anne

x 4:

Lis

t of b

enefi

ciar

ies

- Exp

ress

Hou

sing

(Cha

rsad

da, K

PK)

Tehs

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of

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NRSP O

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Page 49

Anne

x 5:

Lis

t of b

enefi

ciar

ies

- Exp

ress

Hou

sing

(Tha

tta,

Sin

dh)

Tehs

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2011

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Rota

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tern

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nal,

Behb

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d Is

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K

Page 50

Tehs

ilFi

eld

Uni

tU

C N

ame

HH

Ow

ner N

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Villa

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Nam

eBe

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2011

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NRSP O

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Page 51

Tehs

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Anne

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Page 56

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Page 57

Tehs

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Page 58

Anne

x 7:

Lis

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- Rot

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KPK

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Char

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NRSP O

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Page 59

Tehs

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Uni

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HH

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Popu

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Initi

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Prog

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1/30/

2012

Char

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3/2/

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Char

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Char

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Char

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Char

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Char

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Char

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8/15

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1

Char

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Char

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Char

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Char

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Char

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3/2/

2011

100,

000

100,

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0014

5,00

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05/

16/2

011

Char

sadd

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His

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Yasi

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6/10

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0,00

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100

8/15

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1

Char

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3/2/

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Char

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100

8/15

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1

Char

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1

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Char

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8/15

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1

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100

8/15

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1

Char

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Char

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11/15

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0,00

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150,

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100

1/30/

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Char

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11/15

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0,00

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0,00

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150,

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100

1/30/

2012

NRS

P O

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par

tner

ship

with

Exp

ress

New

s H

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MC,

Rota

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tern

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K

Page 60

Tehs

ilFi

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Uni

tU

C N

ame

HH

Ow

ner N

ame

Villa

ge N

ame

Bene

ficia

ries

Popu

latio

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t Typ

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isbu

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NRSP O

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Page 61

Anne

x 8:

Lis

t of b

enefi

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- ICM

C (R

ajan

pur,

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ther

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njab

)

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Exp

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New

s H

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MC,

Rota

ry In

tern

atio

nal,

Behb

ud A

ssoc

iatio

n an

d Is

lam

ic C

harit

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K

Page 62

Tehs

ilFi

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NRSP O

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Page 63

Tehs

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Page 64

Tehs

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NRSP O

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ith Express New




K

Page 65

Tehs

ilFi

eld

Uni

tU

C N

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HH

Ow

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Popu

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Raja

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Raja

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9/29

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195

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3/2/

2012

Raja

npur

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03/

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Raja

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Shel

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9/29

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195

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328

100

3/2/

2012

Raja

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9/29

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3/2/

2012

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03/

1/201

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Raja

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100

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2012

Raja

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Raja

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Raja

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3/2/

2012

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9/29

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3/2/

2012

Raja

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Raja

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03/

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Raja

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Raja

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2012

Raja

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Raja

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Raja

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100

3/16

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2

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9/29

/201

195

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3823

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328

100

3/2/

2012

Raja

npur

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rM

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Rakh

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vi1

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elte

r9/

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011

95,3

3895

,338

23,9

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9,32

810

03/

2/20

12

Raja

npur

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n Pu

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or A

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011

95,3

3895

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810

03/

2/20

12

Raja

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011

95,3

3895

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23,9

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9,32

810

03/

1/201

2

Raja

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011

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810

03/

2/20

12

Raja

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3/2/

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NRS

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Raja

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Raja

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Raja

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03/

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Raja

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Raja

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9/29

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3/2/

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Raja

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Raja

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2/20

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Raja

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Raja

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2/20

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Raja

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03/

2/20

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Raja

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/201

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3823

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2012

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han

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9/29

/201

195

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3823

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328

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3/2/

2012

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aiN

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uxM

ud M

olvi

18

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ter

9/29

/201

195

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3823

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328

100

3/2/

2012

Raja

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011

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2012

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328

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3/2/

2012

Raja

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ayed

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328

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2012

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195

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328

100

3/2/

2012

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110

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195

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2012

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han

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3/2/

2012

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9/29

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3/2/

2012

Raja

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NRSP O

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Page 69

Tehs

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Documents

in partnership with Express News Helpline Trust,nrsp.org.pk/publications/Evaluation-Assessment-Studies/...Abid Hussain, DG Khan (Express Housing Project) 38 Gul Wali, Charsadda (Behbud