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BISP
         BENAZIR INCOME SUPPORT PROGRAMME
                  Government of Pakistan




www.bisp.gov.pk
                                            1
BISP
Background
Commitment
• To realize the dream of making Pakistan a
  welfare state.
• Poverty Alleviation and women empowerment.
Conviction
• War against terrorism and poverty which breeds
  extremism.
                                               2
BISP
Vision, Mission & Objectives

          Meeting the targets set by
           Millennium Development Goals:
          Establishment of largest &
           transparent Social Safety Net.

               Eradication of extreme & chronic
                poverty
               Empowerment of women


                                              3
LAUNCHING OF BISP

• BISP launched in July 2008.
• Remarkable progress in short time.
• Relief to 4 million families.
• Relief to Internally Displaced Persons (IDPs – Swat
  & FATA).
• Relief to flood affectees.
• Relief to Bombs Blast/Terrorism Victims.
• Rs. 7 billion disbursed so far to BISP beneficiaries.

                                                          4
RECOGNITION

• August 2010 – Both Houses of Parliament
  unanimously approved the BISP Act 2010 due to
  transparency, integrity and efficiency of BISP.
• BISP now leading Social Safety Net Authority.
• International recognition due to technology based &
  transparent system.
• President WB, UN Secretary General, US
  Government, UK Government, ADB have
  appreciated and provided financial and technical
  support to BISP.
                                                        5
ESTABLISHMENT-BISP




Regional Head Quarters 6
Divisional Directorates 35
Tehsil Offices          550
* Complaints redressing and monitoring offices, establishment under process .

                                                                                6
BISP INITIATIVES




                   7
CASH GRANTS
   To compensate marginalized and low income
families.
   A cash grant of Rs.2,000/- every alternate month.
  Beneficiaries: 4 million families.
  Total Cash Grant Disbursements: more than Rs.70
  Billion.
  Scientific Targeting based on POVERTY
SCORECARD        SURVEY.
  Payment through Money Orders, Mobile Banking &
  Smart Card.
   Target: 5 - 7 million families by June 2011.        8
IMPROVED TARGETING
     POVERTY SCORECARD SURVEY
First time ever in Pakistan, a Proxy Means Testing based POVERTY
SCORECARD SURVEY is being conducted in the entire country to
improve targeting and have an objective assessment of the poverty.
Pilot phase of this survey was done in 16 districts from all over
  Pakistan.
Nationwide Survey has also been completed in Baluchistan, AJK, and
Gilgit Baltistan. In total 60% of the country has been surveyed.
Data entry is simultaneously going on in NADRA.

Approximately 1 million families have already been identified in 38
districts whose data entry has been completed.
Nationwide Survey is planned to be completed by June 2011. 
                                                                       9
PAYMENT MECHANISMS
Transparency is the keystone of BISP’s functions. Initial mode of
payment was through money orders. Now BISP is planning to
modernize the payment mechanism by introducing technology
based solutions through BENAZIR SMART CARDS / BRANCHLESS
BANKING.
For cash grant payments, transition from manual payments (money
orders ) to BENAZIR SMART CARD has started in selected districts
(Mirpurkhas, Sanghar, Mianwali, and Multan).
Approximately 174,000 beneficiaries have already received BENAZIR
SMART CARDS.
Mobile Phone Banking has also been started in selected districts
(Larkana, Layyah, Barkhan, and Batagram).
More than 32,000 mobile phones have already been distributed in pilot
districts free of cost.
                                                                         10
DISBURSEMENT THROUGH MONEY
                ORDERS

1. Initially, Benazir Income Support Programme was distributing its
   funds through Money Orders.
2. A large number of complaints:
   • Non-payment
   • Late payment
   • Demand of bakhsheesh
   • Delivery of Money Orders at the Post Office rather
     than door-steps etc.
1. Pakistan Post could not put in place a viable mechanism to
   address the complaints expeditiously.
2. The data not reconciled well in time. Results in outstanding
   amounts with the Pakistan Post.
                                                                  11
BENAZIR SMART CARD


• The mechanism will further strengthen the transparency
  and speedy delivery to beneficiaries.
• The mechanism includes modern modes of branchless
  banking systems e.g. Card to Phone, Card to Point of
  sale and Phone to Phone.
• This payment mechanism (Card to Phone) has already
  been implemented in the four districts (Mianwali, Multan,
  Sanghar and Mirpurkhas), where the Poverty Scorecard
  Survey has already been completed.
                                                          12
Continued…

• UBL, through a competitive bidding process, has
  been selected as the Payment Agency.
• Main features of the system are as follow;
• The payments process handled by UBL is electronic
  in its purest definition.
• Cards are sourced by and personalised by NADRA.
• Personalised cards are delivered to the appropriate
  NADRA issuing office.
• Beneficiaries are authenticated - finger print match
  to NADRA Automated Fingerprint Identification
  System (AFIS) and cards are issued.                13
Continued…


• NADRA informs BISP when beneficiaries issued
  cards. Cards are activated within 3 days.
• The card issuance information is sent by BISP to
  UBL for accounts opening process.
• Beneficiary presents themselves in person to collect
  cash at a UBL (OMNI) branch.
• The Smart Card is scanned using a QR infra-red bar
  code scanner connected to a personal computer
  (PC) that is online through an Internet connection.
                                                   14
Continued…

• First time a user presents himself to receive first
  payment, the Cards PIN (printed on the PIN mailer
  with the card) is changed as required by the
  payment system.
• The franchisee then establishes how much money
  is available.
• The franchisee then draws the full amount payable
  to the beneficiary.

                                                        15
Continued…


• The beneficiary is paid in cash (normally either Rs
  1000 or Rs 2000), required to sign a register of
  payment with their fingerprint and is then handed
  back their cards.
• After the successful pilot in 4 districts, payment
  mechanism is being implemented in 12 districts
  where the poverty survey was conducted during the
  pilot phase.

                                                    16
Phone To Phone Delivery
           System
• Another Alternate Payment System (Phone to
  Phone) being launched is also a mode of branchless
  banking system.
• 12 districts will be covered.
• The proposed methodology:
  – BISP’s beneficiaries will be issued specially
    formatted mobile phone set/SIMs.
  – Payments to the beneficiaries will be made by
    the payment agency, franchise or agents.

                                                    17
Continued…


– The system shall allow for payments to be made to
  BISP beneficiaries that have a mobile phone and most
  importantly those who do not have a mobile phone.
– BISP will create a payments schedule monthly that
  lists each beneficiary’s CNIC and the amount that is to
  be paid to the beneficiary by the nominated agents.
– BISP would transfer funds equal to the total of funds
  to be paid to beneficiaries plus any fees to the service
  provider.
                                                        18
Continued…


– The system would hold a balance due to the
  beneficiary, such beneficiary being identified by
  their CNIC number (and not necessarily a mobile
  phone number).
– When the beneficiary presents themselves at the
  payment agency’s agent, the agent must identify
  the beneficiary against their CNIC card and/or
  BISP card that would include a photo of the
 beneficiary.
                                                  19
Continued…

– Satisfied as to the identity of the beneficiary, the
  agent would make the applicable payment to the
  beneficiary (per the balance held in the payment
  system).
– The agent would be required to take a photo of
  the beneficiary being paid and MMS such with the
  beneficiary CNIC to a mobile network number
  designated by BISP from time to time.


                                                    20
EMERGENCY RELIEF
          PACKAGES

• BISP is also implementing an Emergency Relief
  Package for Internally Displaced Persons (IDPs) of
  FATA, Swat, Bajaur and South Waziristan and
  earthquake affectees of Baluchistan.
   – A total of Rs.28 million has been
     paid to 3965 IDPs families.
   – A total of Rs.34 million has been
     paid to 3729 earthquake affected
     families in Baluchistan.
                                                       21
Continued…

• An agreement with United Bank Limited (UBL) was signed
  by BISP to pay benefits to 318,126 verified IDPs from
  Swat/Malakand. A total of 120,000 cards were issued to the
  IDPs. Rs. 12000 were disbursed to each IDP family from
  April, 2009 to March, 2010 at the rate of Rs.1000/- per
  month.
• Data on the bomb blast victims is obtained and benefits are
  paid to the next of kin in case of a deceased person and the
  victim in case of injury.
• A total of 720 victim families were registered and Rs.1.4
  million paid up till now.
                                                             22
WASEELA-E-HAQ

Long-term interest-free financial assistance of Rs.300,000, along
with basic training & counseling, is given to randomly selected
beneficiaries for small businesses.
        1- Identification                 3- Necessary
           of business.                   training required to
                                          execute the
                                          identified
                                          business.

        2- Counseling                     4- Monitoring and
        regarding choice                     evaluation of
           of business.                      business. *



                                          * Against already determined
                                            Objectively Verifiable Indicators
                                          (OVI’s)                               23
WASEELA-E-HAQ: SALIENT FEATURES


 Offers long term interest free returnable financial
  assistance through computerized balloting to randomly
  selected beneficiaries.
 Based on the premise that marginalized families have
  skills, which remain unutilized and untapped.
 Alternative to the conventional banking system, which
  rejects the poor classifying them non-creditable.
 . Based on personal trust instead of any collateral.
 So far more than 14000 families have been pre-
  qualified in 17 draws.
                                                    24
WASEELA-E-ROZGAR

Demand driven, free of cost,        Training
                                    Facility &
technical & vocational training     Trainers
is offered to one individual
per beneficiary family.
                      Choice      Beneficiary
                                                  Training
                         of         or her       Expenses
                      Training     Nominee




                                    Boarding
                                      and
                                    Lodging

                                                             25
WASEELA-E-ROZGAR: SALIENT FEATURES

 Domestic as well as international markets’ demand has
  been ascertained through Ministry of Labour & Manpower.
 Certificate-based skills as well as in-house or product-
  based training.
 BISP, through partner organizations, is providing guidance
  & counseling to the trainees, training in vocational training
  centres by professional trainers.
 Duration of offered training is: 4 weeks, 3-6 months and
  one year.
 Training has already started in Bannu and Karak districts.
                                                             26
WASEELA-E-SEHET

                       • Designed to Improve access to health services
                         and reducing income loss of the already
                         marginalized due to health related expenditure.
PATIENT
WITH
           BISP DESK
BENAZIR
           IN EVERY
HEALTH
          DESIGNATED      BISP
CARD
           HOSPITAL       DESK

                                  POS TERMINAL
                                   REFERAL TO    DISCHARGE
                                  CONCERENED     INVOICE
                                    SECTION
                                                             COMPUTERIZED
                                                              DEDUCTION
                                                               FROM THE
                                                               ACCOUNT
                                                                OF USER
                                                                        27
WASEELA-E-SEHET: SALIENT FEATURES
First Phase
 Life Insurance of Rs. 100,000 provided to the bread
    earner of the beneficiary’s family.
 Approximately 1 million beneficiary families have been
    provided life insurance.
Second Phase
 Health and Accident insurance cover will be provided
    to all members of beneficiary's families.
 Maximum benefit of Rs.25000/- per family per year.
 Benazir Health Cards (Biometric cards ) will be issued
  to enrolled families.                                28
EMERGENCY RELIEF PACKAGE

• Addresses the urgent financial needs of
  the families affected by any emergency.
 BISP reached flood affectees immediately due to
  availability of a current and extensive data base.
 Financial assistance provided to:
         Victims of 2010 Floods.
         IDPs of Swat, FATA and Bajur.
         Civilian bomb blast victims.
         Earthquake affected families in Baluchistan.


                                                         29
EMERGENCY RELIEF PACKAGE

Following disbursements have been made to
the families affected by emergency.




                                            30
SEPARATION OF FUNCTIONS

To further ensure transparency BISP has
adopted following separation of functions:




                                         31
TECHNOLOGY BASED TRANSPARENCY

 Following initiatives have been taken for the first
 time in the history of Pakistan:
                     PMT based Poverty Scorecard
    Targeting        Survey using GPS.


                     Through State of the Art NADRA
   Verification      Database.


                     Smart Card/ Mobile Banking/
    Payments         Branchless Banking.


    Grievance        Solutions based management
    Redressal        information system.
                                                       32
DONOR’S SUPPORT

• Due to the transparency, objectivity and efficacy
  of the programme international financial
  institutions and donor agencies have shown full
  trust in BISP.
• Major donors of BISP are:
 World Bank funded Social Safety Net Technical
  Assistance    worth (US$ 60 million).
 USAID support for cash grants – US$ 160 million.
 Asian Development Bank support for cash grants – US$
  150 million.
                                                   33
BENAZIR INCOME SUPPORT PROGRAMME




               Thank You


              www.bisp.gov.pk


                    BISP MEDIA WING:11112010
                                               34

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BISP presentation

  • 1. BISP BENAZIR INCOME SUPPORT PROGRAMME Government of Pakistan www.bisp.gov.pk 1
  • 2. BISP Background Commitment • To realize the dream of making Pakistan a welfare state. • Poverty Alleviation and women empowerment. Conviction • War against terrorism and poverty which breeds extremism. 2
  • 3. BISP Vision, Mission & Objectives  Meeting the targets set by Millennium Development Goals:  Establishment of largest & transparent Social Safety Net.  Eradication of extreme & chronic poverty  Empowerment of women 3
  • 4. LAUNCHING OF BISP • BISP launched in July 2008. • Remarkable progress in short time. • Relief to 4 million families. • Relief to Internally Displaced Persons (IDPs – Swat & FATA). • Relief to flood affectees. • Relief to Bombs Blast/Terrorism Victims. • Rs. 7 billion disbursed so far to BISP beneficiaries. 4
  • 5. RECOGNITION • August 2010 – Both Houses of Parliament unanimously approved the BISP Act 2010 due to transparency, integrity and efficiency of BISP. • BISP now leading Social Safety Net Authority. • International recognition due to technology based & transparent system. • President WB, UN Secretary General, US Government, UK Government, ADB have appreciated and provided financial and technical support to BISP. 5
  • 6. ESTABLISHMENT-BISP Regional Head Quarters 6 Divisional Directorates 35 Tehsil Offices 550 * Complaints redressing and monitoring offices, establishment under process . 6
  • 8. CASH GRANTS  To compensate marginalized and low income families.  A cash grant of Rs.2,000/- every alternate month. Beneficiaries: 4 million families. Total Cash Grant Disbursements: more than Rs.70 Billion. Scientific Targeting based on POVERTY SCORECARD SURVEY. Payment through Money Orders, Mobile Banking & Smart Card.  Target: 5 - 7 million families by June 2011. 8
  • 9. IMPROVED TARGETING POVERTY SCORECARD SURVEY First time ever in Pakistan, a Proxy Means Testing based POVERTY SCORECARD SURVEY is being conducted in the entire country to improve targeting and have an objective assessment of the poverty. Pilot phase of this survey was done in 16 districts from all over Pakistan. Nationwide Survey has also been completed in Baluchistan, AJK, and Gilgit Baltistan. In total 60% of the country has been surveyed. Data entry is simultaneously going on in NADRA. Approximately 1 million families have already been identified in 38 districts whose data entry has been completed. Nationwide Survey is planned to be completed by June 2011.  9
  • 10. PAYMENT MECHANISMS Transparency is the keystone of BISP’s functions. Initial mode of payment was through money orders. Now BISP is planning to modernize the payment mechanism by introducing technology based solutions through BENAZIR SMART CARDS / BRANCHLESS BANKING. For cash grant payments, transition from manual payments (money orders ) to BENAZIR SMART CARD has started in selected districts (Mirpurkhas, Sanghar, Mianwali, and Multan). Approximately 174,000 beneficiaries have already received BENAZIR SMART CARDS. Mobile Phone Banking has also been started in selected districts (Larkana, Layyah, Barkhan, and Batagram). More than 32,000 mobile phones have already been distributed in pilot districts free of cost. 10
  • 11. DISBURSEMENT THROUGH MONEY ORDERS 1. Initially, Benazir Income Support Programme was distributing its funds through Money Orders. 2. A large number of complaints: • Non-payment • Late payment • Demand of bakhsheesh • Delivery of Money Orders at the Post Office rather than door-steps etc. 1. Pakistan Post could not put in place a viable mechanism to address the complaints expeditiously. 2. The data not reconciled well in time. Results in outstanding amounts with the Pakistan Post. 11
  • 12. BENAZIR SMART CARD • The mechanism will further strengthen the transparency and speedy delivery to beneficiaries. • The mechanism includes modern modes of branchless banking systems e.g. Card to Phone, Card to Point of sale and Phone to Phone. • This payment mechanism (Card to Phone) has already been implemented in the four districts (Mianwali, Multan, Sanghar and Mirpurkhas), where the Poverty Scorecard Survey has already been completed. 12
  • 13. Continued… • UBL, through a competitive bidding process, has been selected as the Payment Agency. • Main features of the system are as follow; • The payments process handled by UBL is electronic in its purest definition. • Cards are sourced by and personalised by NADRA. • Personalised cards are delivered to the appropriate NADRA issuing office. • Beneficiaries are authenticated - finger print match to NADRA Automated Fingerprint Identification System (AFIS) and cards are issued. 13
  • 14. Continued… • NADRA informs BISP when beneficiaries issued cards. Cards are activated within 3 days. • The card issuance information is sent by BISP to UBL for accounts opening process. • Beneficiary presents themselves in person to collect cash at a UBL (OMNI) branch. • The Smart Card is scanned using a QR infra-red bar code scanner connected to a personal computer (PC) that is online through an Internet connection. 14
  • 15. Continued… • First time a user presents himself to receive first payment, the Cards PIN (printed on the PIN mailer with the card) is changed as required by the payment system. • The franchisee then establishes how much money is available. • The franchisee then draws the full amount payable to the beneficiary. 15
  • 16. Continued… • The beneficiary is paid in cash (normally either Rs 1000 or Rs 2000), required to sign a register of payment with their fingerprint and is then handed back their cards. • After the successful pilot in 4 districts, payment mechanism is being implemented in 12 districts where the poverty survey was conducted during the pilot phase. 16
  • 17. Phone To Phone Delivery System • Another Alternate Payment System (Phone to Phone) being launched is also a mode of branchless banking system. • 12 districts will be covered. • The proposed methodology: – BISP’s beneficiaries will be issued specially formatted mobile phone set/SIMs. – Payments to the beneficiaries will be made by the payment agency, franchise or agents. 17
  • 18. Continued… – The system shall allow for payments to be made to BISP beneficiaries that have a mobile phone and most importantly those who do not have a mobile phone. – BISP will create a payments schedule monthly that lists each beneficiary’s CNIC and the amount that is to be paid to the beneficiary by the nominated agents. – BISP would transfer funds equal to the total of funds to be paid to beneficiaries plus any fees to the service provider. 18
  • 19. Continued… – The system would hold a balance due to the beneficiary, such beneficiary being identified by their CNIC number (and not necessarily a mobile phone number). – When the beneficiary presents themselves at the payment agency’s agent, the agent must identify the beneficiary against their CNIC card and/or BISP card that would include a photo of the beneficiary. 19
  • 20. Continued… – Satisfied as to the identity of the beneficiary, the agent would make the applicable payment to the beneficiary (per the balance held in the payment system). – The agent would be required to take a photo of the beneficiary being paid and MMS such with the beneficiary CNIC to a mobile network number designated by BISP from time to time. 20
  • 21. EMERGENCY RELIEF PACKAGES • BISP is also implementing an Emergency Relief Package for Internally Displaced Persons (IDPs) of FATA, Swat, Bajaur and South Waziristan and earthquake affectees of Baluchistan. – A total of Rs.28 million has been paid to 3965 IDPs families. – A total of Rs.34 million has been paid to 3729 earthquake affected families in Baluchistan. 21
  • 22. Continued… • An agreement with United Bank Limited (UBL) was signed by BISP to pay benefits to 318,126 verified IDPs from Swat/Malakand. A total of 120,000 cards were issued to the IDPs. Rs. 12000 were disbursed to each IDP family from April, 2009 to March, 2010 at the rate of Rs.1000/- per month. • Data on the bomb blast victims is obtained and benefits are paid to the next of kin in case of a deceased person and the victim in case of injury. • A total of 720 victim families were registered and Rs.1.4 million paid up till now. 22
  • 23. WASEELA-E-HAQ Long-term interest-free financial assistance of Rs.300,000, along with basic training & counseling, is given to randomly selected beneficiaries for small businesses. 1- Identification 3- Necessary of business. training required to execute the identified business. 2- Counseling 4- Monitoring and regarding choice evaluation of of business. business. * * Against already determined Objectively Verifiable Indicators (OVI’s) 23
  • 24. WASEELA-E-HAQ: SALIENT FEATURES  Offers long term interest free returnable financial assistance through computerized balloting to randomly selected beneficiaries.  Based on the premise that marginalized families have skills, which remain unutilized and untapped.  Alternative to the conventional banking system, which rejects the poor classifying them non-creditable.  . Based on personal trust instead of any collateral.  So far more than 14000 families have been pre- qualified in 17 draws. 24
  • 25. WASEELA-E-ROZGAR Demand driven, free of cost, Training Facility & technical & vocational training Trainers is offered to one individual per beneficiary family. Choice Beneficiary Training of or her Expenses Training Nominee Boarding and Lodging 25
  • 26. WASEELA-E-ROZGAR: SALIENT FEATURES  Domestic as well as international markets’ demand has been ascertained through Ministry of Labour & Manpower.  Certificate-based skills as well as in-house or product- based training.  BISP, through partner organizations, is providing guidance & counseling to the trainees, training in vocational training centres by professional trainers.  Duration of offered training is: 4 weeks, 3-6 months and one year.  Training has already started in Bannu and Karak districts. 26
  • 27. WASEELA-E-SEHET • Designed to Improve access to health services and reducing income loss of the already marginalized due to health related expenditure. PATIENT WITH BISP DESK BENAZIR IN EVERY HEALTH DESIGNATED BISP CARD HOSPITAL DESK POS TERMINAL REFERAL TO DISCHARGE CONCERENED INVOICE SECTION COMPUTERIZED DEDUCTION FROM THE ACCOUNT OF USER 27
  • 28. WASEELA-E-SEHET: SALIENT FEATURES First Phase  Life Insurance of Rs. 100,000 provided to the bread earner of the beneficiary’s family.  Approximately 1 million beneficiary families have been provided life insurance. Second Phase  Health and Accident insurance cover will be provided to all members of beneficiary's families.  Maximum benefit of Rs.25000/- per family per year.  Benazir Health Cards (Biometric cards ) will be issued to enrolled families. 28
  • 29. EMERGENCY RELIEF PACKAGE • Addresses the urgent financial needs of the families affected by any emergency.  BISP reached flood affectees immediately due to availability of a current and extensive data base.  Financial assistance provided to:  Victims of 2010 Floods.  IDPs of Swat, FATA and Bajur.  Civilian bomb blast victims.  Earthquake affected families in Baluchistan. 29
  • 30. EMERGENCY RELIEF PACKAGE Following disbursements have been made to the families affected by emergency. 30
  • 31. SEPARATION OF FUNCTIONS To further ensure transparency BISP has adopted following separation of functions: 31
  • 32. TECHNOLOGY BASED TRANSPARENCY Following initiatives have been taken for the first time in the history of Pakistan: PMT based Poverty Scorecard Targeting Survey using GPS. Through State of the Art NADRA Verification Database. Smart Card/ Mobile Banking/ Payments Branchless Banking. Grievance Solutions based management Redressal information system. 32
  • 33. DONOR’S SUPPORT • Due to the transparency, objectivity and efficacy of the programme international financial institutions and donor agencies have shown full trust in BISP. • Major donors of BISP are:  World Bank funded Social Safety Net Technical Assistance worth (US$ 60 million).  USAID support for cash grants – US$ 160 million.  Asian Development Bank support for cash grants – US$ 150 million. 33
  • 34. BENAZIR INCOME SUPPORT PROGRAMME Thank You www.bisp.gov.pk BISP MEDIA WING:11112010 34