N R S P

Rural Poverty Reduction through Social Mobilization The Union Council Poverty Reduction Plan (UC Plan) Local Support Organizations (LSOs) – Kamar Mashani, Tehsil Isa Khel, District , Punjab,

Progress Report as of November 2009

BY Akhlaq Hussain and Salma Khalid

National Rural Support Programme 46 – Aga Khan Road, F – 6/4, Islamabad, Pakistan T: +92 51 2822319, 2822324 Fax: +92 51 2822779 Email: [email protected] Website: www.nrsp.org.pk

Table of Contents Background______3 UC and Management Arrangements ______4 Selection Criteria ______4 Union Council Kamar Mashani ______5 UC Plan Kamar Mashani ______5 Progress of Kamar Mashani UC Plan______7 Capacity Building of Community Resource Persons ______7 Quantitative Achievements______8 Target wise consolidated report of Achievements in UC______9 Progress before and after the start of the UC Plan ______11 Activity wise Analysis______12 Activity 1.1 Village Development Plans ______12 Activity 1.2 Situation analysis report ______12 Activity-2 Small Grants for the extremely poor and women headed households ______13 Activity -3 Small Loans from Community Investment Fund______14 Activity- 4 Provision of Micro credit from NRSP______16 Activity -5 Vocational training______17 Activity-6 Community Infrastructure schemes for job creation______18 Activity-7 Social protection through provision of health insurance ______18 Activity-8 promoting private public partnership ______19 Activity-9 Exposure visit of LSO/VO office bearers______19 Gender Sensitization ______20 Functional Literacy ______24 Key Project Outcomes ______25 Challenges and the Way Forward ______26 Annexures Annex-1 List of Income generating grant beneficiaries ______28 Annex-2 List of credit borrowers from CIF______31 Annex-3 Details of NRSP’s micro credit borrowers ______35 Annex- 4 Details of vocational training participants ______41

2 Background NRSP aims to reduce poverty and improve the quality of life of people. To achieve this goal NRSP implements the Rural Support Progamme’s conceptual and programme package. The salient features of the RSP’s conceptual package and approach are (a) organizing people to harness their potential (b) fostering a cadre of community Activists (c) capacity building (d) capital formation (e) community driven development i.e. implementation of community plans and portfolios and (f) forging linkages with government and private agencies. The programme also aims at empowering the community and enabling them to identify, plan and implement various programmes/projects for their own development.

Although the organized communities carry out various activities on a self help basis or through linkages with government and private agencies, the fact is that many communities cannot always achieve their objectives due to funding constraints. Recognizing this fact, NRSP and RSPN have designed a programme package based on their past experience and poverty assessment in some selected Union Councils. The programme package is known as Rural Poverty Reduction through Social Mobilization (The UC Poverty Reduction Plan (UC Plan) 1. This programme package comprises various interventions that target different poverty bands. The main theme of the UC plan is to support the poorest through grant funding and enable them to mainstream through a UC based system that provides a variety of options to the poor people to increase their incomes and sustain their livelihood. Along with the incomes, the plan also suggests some minimum investment in infrastructure, skills, health and education to improve the living standards and to create local employment.

NRSP has selected various union councils in its programme area where the UC Plan is being implemented with some assured funding for investment in community organizations. The Union Council Kamar Mashani of Tehsil Isa Khel in District Mianwali is one of such UCs. However, in order to multiply the benefits of the standard UC plan, NRSP and RSPN have agreed to implement the UC plan with some variations which are as following:

a) In order to ensure the investments being made in the UC empower women in terms of decision making, the UC plan in Kamar Mashani also covers a number of additional activities such as baseline survey for assessing existing situation with regards to women empowerment, capacity building of staff, office bearers, CRPs and government officials in the UC, exchange visits, preparation of a documentary about change in status of role model women which can be used to educate other women, evaluation at the end of the project to evaluate the impact of the project in terms of women empowerment; and b) The UC plan for Kamar Mashani also includes functional literacy for women that are not covered in the basic UC plan. The purpose of this intervention is to empower illiterate women and men in decision making and improving accountability and transparency

1 Please see RSPN Brochure dated April 2009

3

UC Kamar Mushani and Management Arrangements

Out of the total budgeted amount of Rs 20.368 million, RSPN has agreed to provide Rs 8.552 million (42%) of funds under this plan. NRSP is contributing Rs 11.816 million (58%) to implement the UC plan activities in Kamar Mashani. The project duration is of 9 months starting from April 2009 to December 2009.

The Local Support Organization (LSO) of Kamar Mashani along with NRSP’s Social Mobilization Team in Isa Khel Field Unit of is implementing the UC plan through Village Organizations (VOs) and Community Organizations (COs). The Project Manager Social Mobilization at the head office and regional team are supervising the implementation through the Field Unit Isa Khel. RSPN is also participating in the monitoring of the project. The Programme Manager Gender and Development NRSP is the focal person for the gender component and is responsible for arranging necessary inputs eg survey, training, monitoring etc. The Project Manager Literacy will conduct the survey in consultation with the PM GAD. The lesson learned after implementing the UC development plan will be replicated in the entire NRSP program area.

NRSP has provided a Community Investment Fund grant to the LSO. In addition, the LSO has established a fund through collection of annual membership fee in shape of both cash and kind from COs and VOs by charging fee to individual households for the provision of services in NRM, health and education.

NRSP is providing professional and financial support to LSOs in establishing and managing community training centers and to establish social protection systems in the union council.

Selection Criteria

NRSP has selected the UC Kamar Mushani for the implementation of UC plan activities based on the following criteria:

a. Presence of good activists wh are willing to assist their communities as Community Resource Persons (CRPs); b. The UC faces many challenges such as security threats, lack of women participation and high poverty incidence. The assumption is that if UC plan activities were successfully implemented in the most difficult area then it can be replicated anywhere; c. The COs have already set up a Local Support Organization (LSO) named Mohar Rural Development Programme that can take lead in the implementation; d. NRSP is lucky to have a team of professional who are able to train activists to work as CRPs for social mobilization activities and for the provision of various services in the UC plan; and e. NRSP has already conducted a poverty assessment through the Poverty Score Card and therefore can assist the LSOs/VOs/COs in selecting beneficiaries for various interventions.

4 Union Council Kamar Mashani

Kamar Mashani is a town and union council, an administrative subdivision, of Mianwali District in the Punjab province of Pakistan. It is part of Isakhel tehsil and is located at 32°50'38N 71°22’1E.

It is one of the main towns of Mianwali, it has a population of about 20,000 and is located between Isakhel and . Kamar Mushani is surrounded by many small towns that include Makarwal, , Tarag, Isa Khel, Nasiriwala, Chapri, and Kalabagh. It lies between the Bhangi Khel Salt Range in the west and the River Indus in the east.

The first CO was formed in the UC in July 2006. As of March 31, 2009, there were 80 COs which included 14 Women COs, 9 Mixed COs and 52 Men COs. These COs had also federated into 5 VOs with very little presence of women. These VOs had also formed the LSO at the UC level. The LSO had also done the poverty score card survey. The COs were mainly engaged in infrastructure projects.

UC Plan Kamar Mashani

As mentioned above, NRSP is implementing the standard UC plan with some variations. The revised UC plan with additional components is as follows. This tentative UC Plan which will be changed after compiliation of VDPs based on current needs:

5 Total Targets Total Ref. Unit of RSPN Share Output-wise Activities For the Budget Rs # Measure Rs Million project million period

A UC Plan Activities Preparation of UC detailed Plan ( originated from UC detailed 1 1 men and women VOs) Plan 150,000 150,000 2 Small grants for extremely poor and women No. of grants headed households to be identified through 59 472,000 330,400 WCOs using PSC data 3 Small loans from community managed lump sum "Community Investment Fund" to chronically 100 2,600,000 2,600,000 poor households (PSC: 10-34) through WCOs

4 Micro-credit loans for transitory poor (PSC : 25- No. of loans 34) and at least 60% of the loanees are women 871 8,710,000 -

5 Vocational training programme for chronically No of persons poor (PSC: 10-34) (70% of the trainees are self- trained 150 2,700,000 1,890,000 employed or employed contributing to household income) 6 Community Infrastructure Schemes (CPIs) No. of CPIs 4 - identified by women for job creation 620,000 7 Social protection through provision of health No of HHs 871 217,750 152,425 Insurance insured 8 Promoting public private partnership No. of MOU 1 signed 2,000,000 1,400,000 9 Capacity building of 3 tier social mobilization No. of structure i.e. COs, VOs and LSO (training, training events 15 300,000 210,000 planning local resource mobilization etc) 10 Community Resource Persons providing services No .of CRPs in health, NRM, book keeping and education providing 20 480,000 336,000 services 11 Exposure visit of LSO/VO office bearers and No. of events 1 160,000 112,000 CRPs

12 Gender based activities(survey, training of staff and CRPs, exposure visits, functional literacy, 1,959,000 1,371,300 documentary for CMST) Grand Total 20,368,750 8,552,125

6 Progress of Kamar Mashani UC Plan Situational Analysis, Poverty Assessment and Baseline Survey for Gender Assessment NRSP field teams have already carried out a situational analysis which includes a household census that has been done using the poverty score cards. The PM GAD has designed questionnaires for the baseline gender assessment. The concerned staff and activists have been trained and the base line took place after pre testing in Swanse. This baseline information will be helpful in evaluating the impact of the programme. Individual level Micro Investment Plans (MIPs) and village level Village Development Plans (VDPs) have also been prepared and consolidated at the UC level.

Three tiered organisation structure Attempts are being made to organize 70% or more of the population through the community activists. As of November 2009, 115 COs have been formed which include 42 Women Community Organisations (WCOs), 11 Mixed COs and 62 Men Community Organisations (MCOs). The total number of VOs is 10 which include 5 WVOs. The total membership of the COs is 1,797 which include 1,085 men and 712 women. The total number of households covered is 1,497 which is 70% as of November 2009.

Community Activists and Community Resource Persons NRSP is engaging COs, VOs and LSO leaders as Community Subject Specialists and CRPs in the implementation of the entire project. 11 men CRPs and 08 women CRPs are participating in the implementation.

Capacity Building of Community Resource Persons

The LSO utilizes the services of both men and women COs, VOs and LSO leaders as CRPs to act as local Social Organizers at a much lower cost than NRSP presently incurs. Under this project LSO has acquired the services of 19 CRPs against the 20 planned for providing the services at local level. Community Resource Persons Out these 19 CRPs 8 were engaged in social mobilization 30 activities, 3 are serving as community livestock workers, 20 19 two are providing their services as master trainers to train 20 women in tailoring and embroidery skills, one is working 10 as a Traditional Birth Attendants (TBAs) one person is 0 providing services to improve the health and hygiene Achievement conditions in the UC. Targets Achievements These COs, VOs and LSO leaders as CRPs have been given specific targets regarding new CO formation, provision of assistance to extremely poor households’ men and women, and the reactivation of dormant COs and VO formation and for the provision of community services in health, education, agriculture, livestock and vocational training related activities. NRSP provided the necessary technical assistance and financial support to CRPs by involving LSOs, to establish partnerships with other Government and private institutions. The LSO in turn builds the capacities of CO and VDO office bearers by organizing

7 managerial and other training events especially for women at LSO level.

Under this project special focus is given to improve the existing village sanitation infrastructures schemes to manage the solid and liquid wastes though improvement of sewer water drains and construction of community bins. In this regard the CRPs run health and hygiene campaigns to motivate residents to construct the household level latrines in order to create open defecation free environment. The LSO organizes Activist workshops at the UC and village levels to raise awareness to improve the sanitation conditions. A fund is established at LSO and VO level to maintain the community infrastructure schemes and to manage the solid waste.

NRSP also arranged exposure visits. The office bearers of the VO, LSO and SOs/S SOs visited mature LSOs of District Kotli, Sehansa, Bagh and Rawalakot. The specific objectives of the exposure visits were to:

a. Improve record keeping and governance at LSO and VO level b. Build the capacity of the LSOs leaders through experience sharing to include women and poor in their programmes c. Devise strategies to achieve the objective of organizing more than 70% of all the households including 100% of the poorest households in the LSO quickly; d. Enhance motivation of LSO leaders for better performance

A number of training events were organized to build the capacity of office bearers of COs, VOs and LSO

Quantitative Achievements The UC plan started in April 2009. The gender baseline survey has been completed in November. The following table shows the quantitative achievements of the project.

8 Target wise consolidated report of Achievements in UC

Total Total Targets Achievements Ref. Output-wise Unit of For the as of Remarks # Activities Measure project November period 2009

A UC Plan Activities Preparation of UC detailed Plan ( UC detailed 1 1 1 originated plan 2 Small grants for extremely poor and No. of grants women 59 96 headed households to be identified 3 Small loans from community lumpsum managed 100 148 "Community Investment Fund" to chronically 4 Micro-credit loans for transitory poor No. of loans (PSC : 870 177 25-34) and at least 60% of the loanees are Women 5 Vocational training programme No of persons Heavy Machinery chronically poor (PSC:10-24) (70% of the trained 150 126 Training 20 trainees are self-employed or men employed 6 Community Infrastructure Schemes No. of CPIs 4 3 (CPIs) 7 Social protection through provision of No of HHs 871 177 health insured 8 PromotingInsurance public private partnership Survey of three water No. of MOU supply signed 1 0 schemes in UC is conducted in partnership with TMA 9 Capacity building of 3 tier social No. of training Organized 12VDP mobilization events 15 18 Workshops and 814 structure ie COs, VOs and LSO (training, participants planning local resource mobilization etc) 10 Community Resource Persons 9 CRP, 5 CLEW, 1 providing No .of CRPs Tailoring, 1TBA, 1- services in health, NRM, book keeping providing 20 19 Sanitation, 1- Embroidery, and services 1 -Electrician education 11 Exposure visit of LSO/VO office bearers No. of events 1 1 and CRPs

9 B Gender Based Activities

Gender Base Baseline survey data 12 collection 1 0 Completed and analysis through consultant Gender analysis 13 Gender Training for NRSP staff working in 1 3 res pective UC/FU lump sum 14 Events 8 5 95 Women Participants CMST trainings for women COs Fund management and account Events 15 2 3 48 women pax keeping 16 VDO training on planning and awareness Events 2 2 18 Women Participants raising regarding health and hygiene 17 Best practices documentary development( to

be put as GAD activity) lump sum # of CRPs 18 TOT for CRP to act as trainer providing 12 0 services 19 Exposure visit of LSO/VO office bearers and 8 men and 16 women to No. of events 2 1 CRPs ( women focused) AJK 20 CRPs intensive training (4 days) 1 1 18 men and 6 women Budget for Women CRPs mobility (500 per Mobility budget was 21 No. of CRPs 6 6 month) provided 22 Gender Sensitization of men CRPs and 12 women and 10 No. of centers 1 1 VDOs men 23 executive body members ( 2 days) participants 8 women and 11 men No. of centers 1 1 Gender Sensitization with AEO, DEO and participants EDOs ( 2 days) Functional Literacy for women ( HH level Baseline data 24 adult No. of centers 8 0 has been collected from Literacy) entire UC. 25 Improving village health & No. of activist 15 6 Sanitation workshops 26 No. of Training of subject specialists 7 8 2 CLEW Specialists Sub-total Gender Based Activities

10 Progress before and after the start of the UC Plan

Activities First Phase Before UC Plan as of March09 Second Phase After UC Plan April 2009 to Kamar Mushani as of November 2009 November 09

Men Women Mix Total Men Women Mix Total Men Women Mix Total

COs 57 14 9 80 5 28 2 35 62 42 11 115 VOs 5 0 5 5 5 5 5 0 10 LSOs 1 0 1 0 0 0 1 0 0 1 CO Membership 987 223 1210 98 489 587 1,085 712 0 1797 Savings 55,200 19,400 12,350 86,950 3300 8770 1,000 58,500 28,170 13,350 100,020 Credit (No) 115 312 427 0 217 217 115 529 0 644

Amount 1,505,000 417,700 1,922,700 0 2,387,000 2387000 1,505,000 2,804,700 0 4,309,700 Poverty Score Card (PSC) PSC completed in Aug-08 PSC already completed Completed Community Management skill 116 24 140 95 95 116 119 0 235 training (CMST) No. of Pax Fund Management and account 72 14 86 48 48 72 62 0 134 keeping (FMAK) No. of Pax Activist W workshops 436 84 520 12 116 128,448 200 0 648 Exposure 116 24 140 24 64 88 140 88 0 228 Health camps 75 21 96 55 90 145 130 111 0 241 Vocational Training 28 0 28 20 106 126 48 106 0 154 Village Planning 0 Village Planning completed at VO level Village Planning completed at VO level UC Planning 0 Only planned at VO level which will ultimately be UC Only planned at VO level which will ultimately be

plan UC plan Income generating grant 0 96 96 0 96 0 96 Amount 0 472,000 472,000 0 472,000 0 472000

Community Investment Fund 0 149 149 0 149 0 149 (CIF) Amount 0 1,247,000 1,247,000 0 1,247,000 0 1247000 Functional Literacy 0 Household Survey completed Household Survey Completed

Community training centers 0 LSO has established a training centre LSO has established a training centre LSO Office 0 LSO Office Established LSO Office Established Linkages 0 Linkages established with Local Government, TMA, Linkages established with Local Government,

11 In this section we will analyze the progress made so far activity wise as per the UC plan agreed with RSPN. Activity wise Analysis

Activity 1.1 Village Development Plans In order to cater to the development needs of villages, all VOs office bearers and VO members both men and women of the respective villages planned their village needs collectively to form Village Development Plans (VDPs). In order to have a complete picture of the needs of the UC, the VDPs were compiled and consolidated. The UC Plan of Kamar Mashani reflects the consolidated needs of all the comprising VOs. The summary of UC Plan prepared from the VDPs will be presented in

the next report.

Activity 1.2 Situation analysis report In order to assess the economic status of the people in the UC, NRSP facilitated the LSO to conduct the Poverty Score Card Survey. The results of the poverty classification based on PSC are given below. The poverty profiling of each household in the UC helps a lots to target the poor households for different interventions undertaken for poverty reduction. The summary of the PSC results is shown in the following pie chart.

Poverty Ranking of UC Kamar Mushani

Extreemly Non Poor Poor T ransitory 7% 3% Chronically Non-Poor Poor 19% 25%

Transitory ransitory T Poor Vulnerable 16% 30%

12 Total H. Score Likelihood %age Poverty Band HHs Holds

0 – 4 85.40% 9 0.40% Extremely Poor 59 2.80% 5 – 9 74.90% 50 2.30% 10 – 14 68.20% 205 9.60% 15 – 19 60.20% 132 6.20% Chronically Poor 530 24.80% 20 – 24 53.50% 193 9% 25 – 29 35.50% 189 8.80% Transitory Poor 341 15.90% 30 – 34 29.60% 152 7.10% 35 – 39 23.20% 259 12.10% 40 – 44 18.30% 220 10.30% Transitory Vulnerable 662 30.90% 45 – 49 11.70% 183 8.60% 50 – 54 5.70% 157 7.30% 55 – 59 3.20% 117 5.50% 60 – 64 1.30% 82 3.80% 65 – 69 4.20% 51 2.40% Transitory Non-Poor 407 19% 70 – 74 0.00% 54 2.50% 75 – 79 9.20% 47 2.20% 80 – 84 0.00% 27 1.30% 85 – 89 0.00% 10 0.50% 90 – 94 0.00% 2 0.10% Non-Poor 140 6.50% 95 - 100 0.00% 0 0%

Overall poverty rate of 2139 29.1 0% Program Participants is 29.1 0%

Activity-2 Small Grants for the extremely poor and women headed households

Based on the PSC results a total of 59 households in the UC were identified as Provision of Small Grants extremely poor with poverty score (0-9). These 120 households have no assets or a regular source of 96 income and were dependant on others for their 90 59 livelihood needs. The LSO verifies these 60 households as extremely poor through house to house survey by involving the COs, VOs 30 members and leaders as CRPs. These COs, VOs 0 and LSO leaders then assist the COs to prepare Achievement Micro Investment Plans (MIPs) of each Targets Achievements household. NRSP has transferred an amount of Rs. 472,000 to the LSO for the provision of

13 income generating grants to 96 women (average of 5,000 rupees per household). The LSO has involved the CRPs and COs to assist these households in identification of proper livelihood activities and preparation of cases for the sanctioning of income generating grants. Once the income generating grant is sanctioned, the LSO issues a cheque in each household head’s name to ensure transparency. The CO office bearers and CRPs provide assistance in purchasing of planned items according to the household’s need. In most of the cases these households buy goats, sheep, rope making (“wan making”), sewing machines and grocery shop items to start their income generating activities with the assistance of their respective VO and COs. The gender wise summery of small income generating grants is given below and

List of income generating grant beneficaries is given as Annex-1

Small Grants to Destitute Purpose Men Women Total Amount Disbursed Enterprise 20 20 109,100 Agriculture 4 4 17,200 Livestock 72 72 345,700 Total - 96 96 472,000

Activity -3 Small Loans from Community Investment Fund

CIF is a grant of 2.6 million and 1.8 million has been transferred by NRSP to the LSOs account to run a credit programme for the poor member of the CO. The LSO is responsible for designing systems to manage this grant. The beneficiaries are CO members whose poverty level ranges between 10-24 scores in the PSC survey. A total of 531 households were identified as poor and eligible for the provision of support as micro credit from CIF managed by the LSO. The LSO has disbursed an amount of Rs. 1.231 million to 148 women CO members. As of November 2009 NRSP has achieved more than 27% of the project period targets. The package and gender wise summery of amount disbursed from CIF as micro credit is given below

CIF Amount Distribution

Purpose Men Women Total Amount Disbursed Enterprise 12 12 119,000 Agriculture 66 66 636,370 Livestock 40 40 384,000 Poultry 26 26 52,000 Others (house & Marriage) 4 4 40,000 Total 0 148 148 1,231,370

14

A list of micro credit beneficiaries from CIF is given as Annex-2

CIF objectives:

CIF grant is provided to the LSO to achieve the following objectives: a) To provide the poorest access to funds for small loans that are managed by their own institutions, hence easy procedures, low transaction costs and better targeting; b) To encourage the CO/VO/LSO to scale up gender sensitive social mobilization by using the CIF as a tool that empowers women; c) To foster sustainable community institutions that are owned and run by themselves. The LSO is authorized to use the grant as a loan to COs and thereby generate some surplus for running the LSO and VOs. The VO/LSO can adopt innovative approaches to add resources to the core CIF by collateralizing the core fund for leveraging more funds; d) To develop social capital in the form of community level credit officers, accountants, book keepers and managers through the management of the CIF; and e) To encourage savings as the CIF shows the ways to learn better management of available financial resources. Procedure adopted for the sanctioning of CIF as loan to CO members

1. LSO has opened an account in the bank operated Provision of credit from CIF

jointly by LSO President and Manager. 300 260 2. The LSO with the help of constituent VOs has developed a system for the disbursement of micro grants to the poorest people. This includes 200 selection criteria, formation of supervisory 131 committee(s), method of procurement of materials to be loaned, methods to build the capacity of the 100 poorest people, method of payment, credit ceiling etc; 0 3. The LSO has designed the following product Achievement a. Loan size (up to maximum of Rs. 10,000) Targets Achievements b. Modes of repayment (Monthly installments with one extra installment than actual loan amount and also Rs.100 processing fee for loan amount more than 5,000) c. Duration of loans (12 months) d. Target beneficiaries ( PSC score 10-34) 4. The VO/LSO Executive Body allocates the funds over to COs/households as per the PSC results; 5. The LSO informs the COs through the VOs about the availability of the CIF, products and terms and conditions for its disbursement to poor members; 6. The LSO appoints a Credit Supervisory Committee with the help of the VOs and prepares disbursement plans showing the number of COs and number of clients to be covered phase wise; 7. The COs identifies the borrowers and sends a resolution to the LSO through the concerned VOs for the provision of loans by the VO. The COs conducts the screening process and

15 selects the households for the provision of small loans (with PSC from 10-34) based on the poverty score card results; 8. The LSO appoints staff as book keeper and accountant to conduct appraisal of the cases selected by the Credit Supervisory Committee; 9. VO disburse CIF as credit @ 10% service charge per anum and also charge 100 rupees as processing fee to borrower with loan amount more than 5,000 rupees; 10. The LSO makes disbursements to the COs through the VOs for the intended borrowers; 11. The CO disburses the amount to the individual borrowers; and 12. The CO recovers the installments and deposits it into LSO account or with the LSO office.

Activity- 4 Provision of Micro credit from NRSP

NRSP provides micro credit to the households who meet the criteria ie repayment capacity and willingness to repay the loan. NRSP has disbursed an amount of Rs. 2.107 million to 177 CO members (all women) for income generating activities e.g. buying livestock, agri inputs, setting up grocery shops as an enterprise etc. The women CO members are also involved by LSOs/ VOs in social appraisal and identification of the clients. As of November 2009 NRSP has achieved 25% of the planned targets for the project period. The delay has been caused due to liquidity crisis that has hit NRSP’s credit programme seriously. Package wise and gender wise micro credit summery is given in the below table where as details of borrowers who receieved micro credit from NRSP is given as Annnex-3

Micro Credit Disbursement

Amount Purpose Male Female Total Disbursed Agri Inputs 28 28 352,000 Live Stock 118 118 1,395,000 Enterprise 31 31 360,000 Total 177 177 2,107,000

Provision of credit from NRSP 1000 871 800 600 400 177 200 0 Achievement Targets Achievements 16 Activity -5 Vocational training Skilled hands are capable of earning their own bread and contribute to the economic growth and development of the area where they dwell. The poor augment their incomes by upgrading their skills to conduct income generation activities. Skill enhancement of the target group/ poor (PSC 10-34) is one of the priority areas under this project. Under this activity NRSP has imparted skill enhancement training to the poor households with a poverty score of 10-34 The attainment of this objective calls for;

a) Involvement of local employers, potential employees and government and non government organizations, local level training institutes in the development and implementation of need based vocational, technical and skills training programme; and b) Review the existing training programmes, promotion of and support for successful and replicable training programmes which link the trained manpower with local and adjacent markets.

The priority areas under this activity are:

• Increasing the income generating opportunities of the farmers andTheir families by diversifying their off farm sources of incomes; and • Creation of economic opportunities for the rural poor by involving the private sector such as firms/ employers, private manufacturing enterprises, industry, and other stakeholders etc.

NRSP has established local contacts and engaged the LSO in training need assessment, screening of needs, selection of trainees and then referring trainees to different training institutions. Based on the training need assessment and local employment opportunities 126 persons were Vocational trainings trained in different vocational and technical skills i.e. heavy machinery operations, plumber, 200 150 rope making, advance tailoring, auto mechanics 131 and mobile repairing etc. Out of 126 trained 150 persons 106 were women (84%) and more than 100 80% of the trained professionals were either self employed or got employment locally. As of 50 November 2009 NRSP has achieved 87% of the planned targets for the provision of vocational 0 training to chronically poor households to Achievement improve their livelihood conditions. The type Targets Achievements

17 wise summery of vocational training participants are given below whereas the name of participants along with CO details are given as Annex-4 Vocational Trainings

Type of Training Male Female Total Venue 1 Hand Fan Making 36 36 Local Level 2 Wan Making through Machines 22 22 Local Level 3 Hand Fan "Dandi" Making 20 20 Local Level 4 Tailoring Training 23 23 Local Level 5 Heavy Machinery 20 20 IRM Islamabad 6 Civil Surveyor 2 2 IRM Islamabad 7 Beatution 1 1 IRM Islamabad 8 Embroidery 1 1 IRM Islamabad 9 Dress Designing 1 1 IRM Islamabad Total 22 104 126

Activity-6 Community Infrastructure schemes for job creation The COs and VOs prepare their VDPs in which they identify and prioritize their development needs. Out of the three schemes the communities preferred doing income generating/livelihood schemes than the physical infrastructure. The following table gives more details. It is worth mentioning that provision of poultry to poor women was extremely successful as this directly affects their household income and helps in meeting their nutritional requirements.

Type of Approved CO Share Total S.No CO H/holds Scheme Cost Rs Rs Cost Rs DalaMeer Wala 1 200 Plantation 14240 3560 17800 F 2 Jattian Wala F 35 poultry rearing 70000 70000 140000

3 Ameen Khail (F) 20 DWSS 131,224 33,050 164,274 Total 255 215,464 106,610 322,074

Activity-7 Social protection through provision of health insurance

The poor families mostly depend on single earning Provision of health Insurance source. Sudden shocks or sudden changes like illness, 1000 871 accidental injuries, even the birth of a child and in most extreme cases death of the earning member places them 800 in the vicious poverty circle and their livelihood 600 conditions deteriorate. In this project NRSP provides 400 210 health cover to poor families so that they can absorb 200 such sudden shocks. For the provision of health cover 0 NRSP engaged Adam Jee Insurance Company and paid Achievement the agreed premium @ Rs 250 per family to provide Targets Achievements them a health cover over a period of one year. The LSO

18 will continue this activity in future from its own resource to provide health cover to these poor families. This health cover package covers the hospitalization expenses of each family member, accidental injuries, delivery and in most extreme cases death of household head. NRSP has linked this activity with micro credit and provide the health cover to poor members getting credit either from NRSP or from LSO from CIF. As of November 2009 NRSP has provided health cover through Adam Jee Insurance to 177 poor families against the target of 871. The NRSP’s Insurance Programme is negotiating with Adam Jee a better deal to cover the remaining households.

Activity-8 promoting private public partnership NRSP encourages the VOs and LSO to identify and plan village and UC level development plans. NRSP builds the capacity of LSO leaders and office bearer in advocacy strategies to develop productive linkages with Government and Non Government organizations and insinuations to channelize financial resource to implement these plans. Under this project NRSP has budgeted Rs 2 million so that the LSO can develop partnership with private sector, Government and non Government organization for the implementation of different projects in the union council. In this regard LSO has contacted Tehsil Municipal Administration (TMA) Isa Khail for the rehabilitation of 6 drinking water supply schemes in the UC which are currently non functional. Both parties formed a supervisory committee consisting of TMA engineer, DDO(R), LSO President and NRSP field unit In charge to undertake the rehabilitation of abundant water supply schemes. Both parties will sign an agreement for the rehabilitation of drinking water supply as identified by LSO in their UC level plan as one of the top priority needs.

Activity-9 Exposure visit of LSO/VO office bearers The exposure visit helped to build the capacity of VO and LSO officer bearers to manage their organizations effectively, to undertake initiatives for inclusion of women and poor through developing different procedures, steps and methodology for scaling up, good governance and inclusion. The office bearers of the VO, LSO and SOs/SSOs visited mature LSOs of District Kotli, Sehansa, Bagh and Rawalakot. The specific objectives of the exposure visits were to:

a. Improve record keeping and governance at LSO and VO level; b. Build the capacity of the LSOs leaders through experience sharing to include women and poor in their programmes; c. Devise strategies to achieve the objective of organizing more than 70% of all the households including 100% of the poorest households in the LSO quickly; and d. Enhance motivation of LSO leaders for better performance

The LSOacquired the trust of the communities with the support of NRSP and then planned an

19 exposure visit of AJK to enable the community members to learn different mobilization skills from other areas. A four day visit was scheduled and 24 people participated in this exposure visit where 16 were women (67%) and 8 were men (33%).This exposure has helped them in taking an active part in mobilization to increase coverage in their UC through community organizations. Women participation in development activities is being realized so LSO is taking these women step by step with them and involving in decisions.

Gender Sensitization As the Kamar Mashani is known for very conservative environment for women, special attention is being given to sensitize both men and women to increase women participation and empower them economically as well as socially. For this purpose, following activities were carried out: • 3 Training gender workshops were held for regional and field staff in Mianwali and Kamar Mashani, Isa Khel. • 2 day gender sensitization officials including Head Teachers and AEOs of the area were delivered by GAD unit from HO. NRSP got full support and cooperation from education department in this regard where EDO granted special permission workshop. • 2 days gender sensitization workshop for CRP and VO/LSO office bearers was arranged at LSO training centre. This too was managed by field staff of Isa Khel and GAD unit from HO. There were 22 participants in this gender sensitization workshop were 12 were women while 10 were men participants. • The GAD unit convinced the LSO and field staff to include women as signatories of the LSO bank account; • Special programmes were started to increase women role eg special efforts were made to get CNICs for women; • The LSO has been convinced to provide micro credit facility through women only to empower them; • Micro health insurance is being refined to make it more responsive to women needs; • NRSP field staff and LSO have been convinced to engage women in some non conventional activities eg managing he Community Physical Infrastructure projects. Women are also being encouraged to participate in non traditional training for example in Kamar Mashan “waan making” is considered to be a men’s enterprise but due to the efforts of GAD, women are also being imparted skills training in Waan making;

20 • Community Management Skills imparted to 95 women community • Fund management and account keeping training of 42 women from COs.

Sr. Variations Proposed for the Situation in March 2009 Targets Achieved No Gender Analysis

1 Social Mobilization 987 men and 223women were organized 42 WCOs and 11 Mixed COs (total (CO’s pertaining to women were only 14 number of members of the COs is 100 % Targeted HH to be covered and 9 Mix COs out of a total of 80) 1,797 which include 1,085 men and by women’s HH considered 712 women) ‘covered’ when both women and 22% chronically poor were included. 15 70% households are organized in the men in CO. % destitute included. UC.(Poverty Score Card results are NRSP will concentrate on women’s mentioned above i.e. 44 % belong to VDOs over year 1 (2009) and 5 Village Organizations with very little the lowest three bands) increase the number & quality of women representation women participation in the 88 % chronically poor included. 98 % Executive and general body. destitute included

5 Women Village Organizations formed

32% Women representation in General Body of the of the LSO 21% Women representation in the Executive Body of the LSO A day long Gender Training took place on the 13 th of May in Kamar Machani, Mianwali for the field staff of Essa Khel. The resource person was Salma Khalid.

21 C2 Capacity Building 80 men and women participants A day long Gender Training took place • Women social organisers’ belonging to Mianwali District trained in on the 13 th of May in Kamar Machani, refresher gender training Gender in 2008 by the PM GAD. Mianwali for the field staff of Essa Khel. The resource person was Salma • 50% Women COs to have Khalid. trained women office

bearers. Specific record keeping training and 119 women trained in CMST Only 24 women trained in CMST. CMSTs for educated 62 Women and 72 Men trained in Fund women to be office bearers 14 Women trained in Fund Management Management

• Video on best practices of

women’s programmes in CMST

• Women activists to be trained as master trainers 84 Women trained in Activist Being prepared by consultants (Walk for VDOs/COs about Films) Workshops.

200 women trained in Activist • Gender sensitisation of Workshops. male CRPs, men’s VDOs (ie 2 day Gender Trg for presidents,

managers of VO’s and the chairman • Executive and General and secretaries of LSO (Kamar Bodies) Machani) by the PM GAD NRSP.

• Allocate part of PPP 2 Gender Trg for Govt officials in

budget for gender training Mianwali Rg of partner Pax (14 men, 9 women) by the PM GAD NRSP.

• organisations/govt (eg 88 Women visited. education PPP) Very successful exposure visits to • Exposure visits for 24 Women and AJK, actively participated LSO/VO office bearers and by women with the whole hearted CRPs (50 % women to support of men after the gender Azad Kashmir) sensitization of staff.

3 Micro Credit 2.3 87 million Rs were disbursed to Demand to be created 312 Women and 115 men 217 CO members in November (all women) for income generating activities e.g. buying livestock, agri inputs, setting up grocery shops as an enterprise etc. Total number of women as of November is 529 (only women efocused as the no of men is still 115 with no increase)

22 4 Grants 96 Women identified as destitute by the Poor Women to be targeted None Poverty Score Card . 5 Budget allocated

• for extended CRP training Nominations shared with IRM, response awaited. • to mobilise women CRPs taking into account their 500 Rs is being provided to 8 Women limited mobility and safety CRP’s.

6 Poverty Score Card NADRA Camps were set up in 2008 and 2009. As the condition to acquire Women enumerators to ensure 10% Women had ID cards. credit is to possess a ID, so all the responses regarding women women who had acquired CIF and CNICs credit had to acquire it. 40% women have ID Cards. 7 Gender Base Line

Situation analysis recommended to Study designed and staff & a team of include Focus Group Discussions consultants trained by GAD NRSP. (FGDs) Base line completed to assess future Quantitative gender data to be impact. collected as a baseline e.g. enrolment, employment, etc related to targets in UC Plan

Focus Groups will be qualitative, to include discussions on women’s mobility, household and public sphere decision making authorities, etc. 8 Community Investment The LSO has disbursed an amount of Rs. 1.247 million to 149 women CO Fund to chronically poor members. 50% of the project period targets have been achieved (As of through women’s VDOs (as in November 2009). Layyah and SRSO CIF 9 Vocational Training (84%)Out of 126 trained 106 were women Scholarships

50 % for women/girls (training in non-traditional skills with budget provision to accommodate male relatives of women during the training)

23 10 Functional Literacy for Baseline completed, survey forms designed and Household survey Women completed.

For WCO members

11 Awarenessraising Health camps set up.

on health & hygiene through women’s and men’s COs and VDOs Coverage of Specific diseases

related to women due to work

/environment? Medical camps specific to the local problems/diseases

Health related training should men 130 men &111 women trained and women both

12 Livestock and agriculture related training provided only to women with budget provision to accommodate male relatives of women

13 CPI should be identified, managed 5 CPIs identified where project proposal of 5 is complete. These CPIs and monitored by women members would be implemented by women COs. (women’s active participation to be Purchase and Audit committee consisting women `members have been ensured) formed for these two projects.

Functional Literacy Education level in female is comparatively very low and most of the women remained illiterate in previous times. One element of this project was functional literacy which was a challenge within limited time of nine months. In this time frame only structure can be formed but proper literacy setup needs some more time. NRSP field team, Program on Adult Literacy (PALLS) team and Gender Aand Development (GAD) incharge from HO discussed PALLS model. NRSP field staff along with CRPs has collected baseline data of all households in the UC. Expertise of Regional and PALL S team were used in developing survey form and field activity. It is expected that the literacy programme will start sometime in the next month.

24 Key Project Outcomes The project has brought a behavioral change in the UCs in terms of empowering men and women, self help, funds management, targeting the poor and implementing various activities to reduce poverty. An evaluation of the project will be carried out after one year to assess the impact of the programme. However, in terms of increasing women participation which was a core issue when NRSP started the programme, there are visible changes as follows: a. The LSO/VO/COs are giving special attention to increasing women coverage at all levels i.e. as members of COs, VOs and LSO as well as CRPs and Office Bearers. Currently the number of women members is 43% in the COs. This will increase women voice in planning and implementation of COs/VOs and LSOs plans. Previously there was no representation of women at the VO level, now 5 additional VOs have been formed comprising all women members; b. The LSO/VO/CO are targeting the poor members especially women in all developmental activities; c. More than 90% of extremely poor and women headed households identified during poverty score cards were given small grants for income generating and asserts creation activities; d. COs and/or VDOs were able to establish partnership with TMA for the rehabilitation of drinking water supply schemes; e. Community training center has been established at UC level, run and managed by the LSOs for managerial and vocational trainings f. A cadre of local resource persons both men and women were available for the managerial training of the Presidents and Managers of the newly formed COs, in the “LSO- managed” community training centers. A cadre of 18 CRPs is providing services in social mobilization, health, education and NRM activities at local level. Out of the 18 CRPs 8 CRPs are women; and g. The LSO/VO/COs has changed their focus from physical infrastructure (roads etc) to productive and more useful livelihood interventions.

25 Challenges and the Way Forward The present LSO is increasing women participation at all levels but attempts are being made to give women a leadership role which is currently missing to allow the women to express freely. This will take at least one year more considering the conservative culture of the area but once the women come forward and were capacitated they will be able to cater to the managerial training needs of COs and VOs in addition to carrying out policy advocacy for external resource mobilization.The main challenge is to ensure the sustainability of all the three institutions i.e. COs/VOs and LSO. The other bigger challenge is to ensure the project achieves its overall objective of reducing poverty and empower women. There is no easy and short cut method to meet these challenges. What is required is a careful assessment of the approach we have adopted and to change it according to the changing circumstances. If NRSP continued focusing on nurturing the CO, VO and LSO leaders to take lead role as CRPs, book keepers and subject specilists, they will make make it possible.

26

Annexures

27

Annex-1 List of Income generating grant beneficiaries Sr. Disbursement Amount Name of Beneficiary Parentage CO Name VO Name Purpose No Date disbursed 1 Zubaida Bibi Shafi ullah Abi zar wala Sarmat Khel Agriculture 15-09-2009 4,300 Gulam Muhammad 2 Alam Khatoon Khan Dar waish khail Sarmat Khel To buy Goats 17-09-2009 4,300 3 Mano Bibi Gul Jan Abi zar wala Sarmat Khel Agriculture 18-09-2009 4,300 4 Roshan Bibi Alam Khan Aman Abad Sarmat Khel To buy Goats 15-09-2009 4,300 5 Gul Naz Atta Ullah Khan Ghaze khail Sarmat Khel To buy Goats 18-09-2009 4,300 6 Zobaidan Bibi Saif Ullah Ghazi Khel Sarmat Khel To buy Goats 18-09-2009 4,300 7 Tasleem Bibi Ahsan Ullah Khan Khanjo khail F Sarmat Khel To buy Goats 17-09-2009 4,300 8 Azizan Bibi Muhammad Jameel Dera Jahangeer Sarmat Khel Shop 18-09-2009 4,300 9 Hameedan Bibi Kalim Ullah Khan Abi zar wala Sarmat Khel To buy Goats 15-09-2009 4,300 10 Gulam Aisha Bibi Ubaidullah Khan Aman Abad Sarmat Khel To buy Goats 15-09-2009 4,300 11 Fazlaan Bibi Atta Muhammad Abi zar wala Sarmat Khel To buy Goats 15-09-2009 4,300 12 Bakht Bibi Gulam Jafar Khan Sarmat khail M Sarmat Khel To buy Goats 21-09-2009 4,300 13 Fazlaan Bibi Gulam Rasool Khan Dala meer wala M Sarmat Khel Agriculture 20-09-2009 4,300 14 Zahida Bibi Sana Ullah Kahnjo khail F Sarmat Khel To buy Goats 20-09-2009 4,300 15 Zaitoon Bibi Atta Muhammad Abi zar wala Sarmat Khel To buy Goats 20-09-2009 4,300 Fiaz Muhammad 16 Wazeraan Bibi Khan Dar waish khail Sarmat Khel To buy Goats 17-09-2009 4,300 17 Zara Bibi Khair Muhammad Khan zaman khail Dhandianwala To buy Goats 15-09-2009 4,300 18 Gul Sima Bibi Sawan Khan zaman khail Dhandianwala To buy Goats 15-09-2009 4300 19 Gul Nawaz Khan Haqdad Khan Kiran Dhandianwala To buy Goats 20-09-2009 4,300 20 Khali Main Bibi Sawan Khan zaman khail Dhandianwala To buy Goats 15-09-2009 4,300 21 Rizam Bibi Aqeel Khan Wandha Khurasan Dhandianwala To buy Goats 5/10/2009 4,300 22 Wazeraan Bibi Khan Zaman Khan Khan zaman khail Dhandianwala To buy Goats 16-09-2009 4,300 23 Mehar Fatima Gulam Muhammad Ameen khail Dhandianwala To buy Goats 5/10/2009 4,300 24 Sakina Bibi Umar Khan Khanzaman Khel Dhandianwala To buy Goats 15-09-2009 4,300 25 Sofia Bibi Kher Muhammad Gull Baz Khel Dhandianwala Shop 15-09-2009 4300 26 Walayatan Bibi Atta Ullah Alami khail Dhandianwala Shop 20-09-09 5,000 27 Wazeraan Bibi Habibul Rehman Alami khail Dhandianwala To buy Goats 20-09-2009 4,300 28 Sograan Bibi Rab Nawaz Abi zar wala Sarmat Khel Agriculture 20-09-2009 4,300 29 Hajraan Bibi Baz Gul Roshan Mustaqbal Shimalwal To buy Goats 15-06-09 5380 30 Maryyam Bibi Elam Din Roshan Mustaqbal Shimalwal Baan Machine 15-05-09 12000 To buy Sewing 31 Zainab Bibi M.Iqbal Roshan Mustaqbal Shimalwal Machine 15-05-09 4300 32 Nazir Bano Shayed Gul Roshan Mustaqbal Shimalwal To buy Goats 15-06-09 5380 To buy Sewing 33 Hazrat Bibi Muhammad Jaan Roshan Mustaqbil Shimalwal Machine 15-06-09 4300 34 Sakhi Marjana Nizab Gul Roshan Mustaqbal Shimalwal Baan Machine 2/5/2009 12000 35 Bakhtaan Bibi Mawaz Khan Roshan Mustaqbal Shimalwal To buy Goats 15-06-09 5380 36 Naseem Baigam Khoshab Gul Roshan Mustaqbal Shimalwal To buy Goats 15-06-09 5770 37 Naziran Bibi Omar Hayyat Uttar khail Dhandianwala To buy Goats 11-09-200 6200 38 Sangarzada Abdul Aziz Roshan Mustaqbil Shimalwal Baan Machine 2/5/2009 12000 39 AmirZada Liaqat Khan Roshan Mustaqbil Shimalwal To buy Goats 15-06-09 5900 40 Nawabzada Nizamudin Roshan Mustaqbil Shimalwal To buy Goats 15-06-09 5650 41 Kalsoom Bibi Gull Mohabat Roshan Mustaqbil Shimalwal To buy Goats 15-06-09 5700

28 Sr. Disbursement Amount Name of Beneficiary Parentage CO Name VO Name Purpose No Date disbursed 42 Naseem Khushab Gull Roshan Mustaqbil Shimalwal To buy Goats 12/6/2009 5800 43 Anar Gull Abdullah Khan Roshan Mustaqbil Shimalwal To buy Goats 1507-09 5500 44 Reshma Jana Khan Shreen Roshan Mustaqbil Shimalwal To buy Goats 15-06-09 6100 To buy Sewing 45 Gull Anar Bibi Munawar Din Roshan Mustaqbil Shimalwal Machine 15-06-09 4300 46 Resham Jana Norang Roshan Mustaqbil Shimalwal To buy Goats 15-07-09 6200 47 Zainab Bibi Ghulam Yaseen Ibrahim Khel Murghanwala To buy Goats 5/10/2009 4230 48 Parveen Moh Shehzad Gidar Khel Murghanwala To buy Goats 12/6/2009 6590 49 Amina Bibi Nawaz Khan Uttar Khel Dhandianwala To buy Goats 12/6/2009 5900 50 Zubaida Bibi Moh Hayyat Buland Khel Dhandianwala To buy Goats 12/6/2009 5600 51 Zainab Bibi Shehnaz Khan Narr Khel Murghanwala To buy Goats 5/6/2009 5800 52 Sardaran Bibi Sakhi Jan Liary Khel Murghanwala To buy Goats 12/6/2009 6000 53 Taj Bibi Ahmed Rasool Rehman Abad Kurianwala To buy Goats 15-06-09 5700 54 Bilqees Bibi Sadeeq Khan Arif Abad Kurianwala To buy Goats 15-06-09 6000 To buy Sewing 55 Taj Bibi Abdul Aziz Pahar Khel Murghanwala Machine 12/6/2009 4300 To buy Sewing 56 Reshma Bibi Ayob Khan Wandha Khurasan Dhandianwala Machine 12/6/2009 4300 To buy Sewing 57 Hadayatan Bibi Ali Khan Liary Khel Murghanwala Machine 12/6/2009 4300 To buy Sewing 58 Mehar Fatima Ahmad Khan Dalamirwala Sarmat Khel Machine 14-07-09 4300 To buy Sewing 59 Bibi Ayaisha Meharban Pahar Khel Murghanwala Machine 14-06-09 4300 To buy Sewing 60 Kashmiran Bibi Mani Khan Uttar Khel Dhandianwala Machine 12/6/2009 4300 To buy Sewing 61 Bakhtawar Bibi Moh. Sharif Ghazi Khel Dhandianwala Machine 12/6/2009 4300 To buy Sewing 62 Ghulam Bibi Sarwar Khan Pahar Khel Dhandianwala Machine 12/6/2009 4300 To buy Sewing 63 Zainab Bibi Yaqoob Khan Arif Abad Kurianwala Machine 5/6/2009 4300 To buy Sewing 64 Haleema Bibi Yousaf Khan Pahar Khel Dhandianwala Machine 12/6/2009 4300 Wandha To buy Sewing 65 Azizan Bibi Raza Moh Khan Khursanabad Dhandianwala Machine 12/6/2009 4300 66 Amiran Bibi Amir Moh Khan Ibrahim Khel Murghanwala To buy Goats 17-9-09 4300 67 Khursheed Bibi Ghulam Abbas Ibrahim Khel Murghanwala To buy Goats 17-9-09 4300 68 Ayaishia Zar Khan Ibrahim Khel Murghanwala To buy Goats 17-9-09 4300 69 Maryyam Bibi Gull Mohammad Madad Khel Murghanwala To buy Goats 17-9-09 4300 70 Maryyam Bibi Sakhi Jan Khan Madad Khel Murghanwala To buy Goats 16-09-09 4300 71 Maryyam Bibi Hayyatullah Khan Sarwar Khel Murghanwala To buy Goats 16-09-09 4300 72 Bibo Jahan Khan Gidar Khel Murghanwala To buy Goats 16-09-09 4300 73 Walayatan Bibi Omar Hayyat Madad Khel Murghanwala To buy Goats 16-09-09 4300 To buy Sewing 74 Hajraan Bibi Shahnawaz Gidar Khel Murghanwala Machine 16-09-09 4300 75 Parveen bibi Rafiullah Arif Abad Kurianwala To buy Goats 15-09-09 4300 76 Khateeja Bibi Ghulam Qadir Arif Abad Kurianwala To buy Goats 15-09-09 4300 77 Fazlaan Bibi Mohmammad Khan Rehman Abaz Kurianwala To buy Goats 15-09-09 4300 78 Sakina Bibi Fateullah Rehman Abaz Dhandianwala To buy Goats 15-09-2009 4300 To buy Sewing 79 Maraj Bibi Anar Gull Roshan Mustaqbil Shimalwal Machine 15-06-09 4300 To buy Sewing 80 Jantan Bibi Hayyatullah Khan Roshan Mustaqbil Shimalwal Machine 15-06-09 4300 81 Kanizan Bibi Hamidullah Khan Shimalwal 1 Shimalwal To buy Goats 17-09-09 4300 82 Jawai Bibi Bhai Khan Jattanwala lll Jattanwala To buy Goats 25-09-09 4300

29 Sr. Disbursement Amount Name of Beneficiary Parentage CO Name VO Name Purpose No Date disbursed 83 Saeeda Bibi Ghulam Jan Jattanwala ll Jattanwala To buy Goats 25-09-09 4300 84 Noor Jahan Sattar Jattanwala lll Jattanwala To buy Goats 25-09-09 4300 85 Alo Mehar Jan Al Habib Jattanwala To buy Goats 25-09-09 4300 86 Waziran Bibi Ghulam Hassan Al Habib Jattanwala To buy Goats 25-09-09 4300 87 Ghulan Bibi Ghulam Qasim Arif Abad Kurianwala To buy Goats 16-09-09 4300 88 Zargulay Ghulam Rasool Rehman Abaz Jattanwala To buy Goats 16-09-09 4300 89 Anaran Bibi Sher Zaman Kaly Khel Jattanwala To buy Goats 16-09-09 4300 To buy Sewing 90 Zainab bibi M Iqbal Roshan Mustaqbil Shimalwal Machine 16-09-09 4300 91 Maryyam Bibi Latif Khan Rehman Abad Kurianwala To buy Goats 16-09-10 6200 92 Ayaishia bibi Ghulam Yaseen Rehman Abaz Kurianwala To buy Goats 10/6/2009 6000 93 Nazran bibi Raza Mohammad utter khel Kurianwala To buy Goats 15-06-09 5900 94 Izat Bibi Habibullah Gidar Khel Murghanwala To buy Goats 14-07-09 5800 95 Bashiran Bibi Khan Moh Gagranwala Sarmat Khel To buy Goats 2/9/2009 4300 96 Sahib Khatoon Fateh Moh Musa Khel Shimalwal To buy Goats 2/9/2009 4300

30 Annex-2 List of credit borrowers from CIF Sr Amount Name Father/Husband CNIC Gender CO Name Purpose Period No. Rs. 2 Sakeena Bibi Gul Nawaz 383017314214-2 F Shamalwal No.1(F) Agriculture 8,000 11 3 Zainab Bibi Khalaq Dad Khan 383017261218-6 F Rosahn Mustaqbil (F) Agriculture 10,000 11 Musa Khel Shimal 4 Mehr Khatoon Habibullah 383011846617-0 F Agriculture 9,000 11 Wal(F) Musa Khel Shimal 5 Kabol Janay M.Ameer Khan 383011857074-8 F Agriculture 8,000 11 Wal(F) 6 Zainab Bibi Ahmad Khan 383011110158-8 F Rehman Abad (F) Agriculture 10,000 11 7 Gulam Bibi Nazam Khan 383011845137-4 F Mustarika Shimwal Agriculture 10,000 11 8 Sugraan Bibi Asmat ullah 383011851252-8 F Mustarika Shimwal Agriculture 10,000 11 9 Daraan Bibi Gul Baz 383011851551-8 F Mustarika Shimwal Agriculture 10,000 11 10 Fatima Bibi Khan Zaman 383011818260-6 F Mushtarika Shimalwal Agriculture 10,000 11 11 Shamshad Bibi Zafarullah 383017389186-2 F Mushtarika Shimalwal Agriculture 10,000 11 12 Zubaida Bibi Saadullah 383016128855-8 F Raza Abad Agriculture 9,000 11 13 Fatima Bibi Hamidullah 383014706459-0 F Wandha Kamalzai Agriculture 10,000 11 14 Bashiran Bibi Amir Amanullah 383018179447-8 F Gull Shimalwal Agriculture 10,000 11 15 Zainab Bibi Latifullah Khan 383011852986-6 F Gull Shimalwal Agriculture 10,000 11 16 Zaitoon Bibi Habibullah Khan 383017450953-8 F Azizullah wala Agriculture 9,000 11 17 Nusrat Bibi Moh. Rafiq 383013295551-2 F Shimalwal Musa Khel Agriculture 10,000 11 18 Sataran Bibi Jan Gull 38301-1799303-8 F Malik Shimalwal Agriculture 10,000 11 19 Fazlan Bibi Mohammad Khan 38301-1841632-8 F Rahman Abad F Agriculture 10,000 11 Mohammad Akram 20 Faizan Bibi 38301-1845130-4 F Rahman Abad F Agriculture 10,000 11 Khan Mohammad Raiz 21 Faizan Bibi 38301-7893388-4 F Wandha kamal Zai Agriculture 10,000 11 khan 22 Kanizan Bibi AbdulHammed Khan 38301-7481704-3 F Rahman Abad F Agriculture 10,000 11 23 Aalam Khaton Zia ullah khan 38301-5763056-6 F Sarmat khail F Agriculture 9,000 11 24 Anaran Bibi Atta Muhammad 38301-2550531-8 F Jattanwala F Agriculture 10,000 11 25 Hameedan Bibi Ghulam Muhammad 38301-8572073-6 F Jattanwala F Agriculture 9,000 11 26 Bashiran Bibi Naizi khan 38301-1818872-8 F Mussa khail 1 Agriculture 10,000 11 27 Fazlah Bibi Sultan Gull 38301-1791990-2 F Mussa khail Agriculture 10,000 11 28 Azizan Bibi Asmat ullah 38301-1851218-6 F Noor khan F Agriculture 9,000 11 29 Ghulam bibi Aubaid ullah 38301-1853424-6 F Noor khan F Agriculture 10,000 11 30 Roshaan Bibi Abdullah khan 38301-2943297-0 F Kalay Khail Agriculture 10,000 11 31 Zainab Bibi Sana ullah 38301-7654122-0 F lando khail F Agriculture 10,000 11 32 Naziran Bibi Rafi ullah 38301-8220019-0 F lando khail F Agriculture 10,000 11 33 Bakhtawar Bibi Noor khan 38301-8786151-4 F Mussa khail F Agriculture 10,000 11 34 Wazeeran Bibi Basheer ahmad 38301-1851764-6 F Sarmat khail F Agriculture 10,000 11 35 Wazeeran Bibi Ghulam Dastageer 38301-7365358-8 F Shair Muhammad khail Agriculture 10,000 11 Farzana 36 Najeeb ullah Khan 383011815167-6 F Arif Abad (F) Business 10,000 11 Yasmeen 37 Sahib Khatoon Ata Muhammad 383011858716-6 F Jattan Wala Business 10,000 11 38 Zainab Bibi Mohammad Khan 38301-9204966-4 F Arifabad F Business 10,000 11 39 Safia Bibi Yaqoob Khan 38301-9980278-0 F Arifabad F Business 10,000 11 40 Fazlaan Bibi Azizullah 38301-1803973-4 F lando khail F Business 10,000 11 41 Gullan Bibi Ghulam Qasim 38301-1767887-8 F Arifabad F Business 10,000 11 42 Hassina Bibi Shafiullah 383011851525-0 F Hassan Khel (F) Fertilizer 10,000 11 43 Bashiran Bibi Moh. Yaqoob 383011843265-2 F Rehman Abad (F) Fertilizer 10,000 11 44 Isma Bibi Adam Khan 383011844074-2 F Dilamir Wala Fertilizer 10,000 11 45 Amiran Bibi Omar Khan 383010280567-4 F Khanzaman Khel F Fertilizer 10,000 11 46 Naziran Bibi Nadir Khan 24052023649 F Khanzaman Khel F Fertilizer 9,000 11 47 Faizan Bibi Yaqoob Khan 383012063459-6 F Sarmet Khel F Fertilizer 9,000 11

31 Sr Amount Name Father/Husband CNIC Gender CO Name Purpose Period No. Rs. 48 Naseem Bibi Mohammad Riaz 383010183464-6 F Kaly Khel F Fertilizer 9,000 11 49 Sardaran Bibi Ubaidullah Khan 383019367408-2 F Dera Jahangir Fertilizer 1,000 11 50 Kosar Bibi Shafiullah Khan 383015843076-4 F Dera Azizullah Fertilizer 10,000 11 51 Zubaida Bibi Matiullah Khan 383011845596-4 F Sawan Khel Fertilizer 10,000 11 52 Balqees Bibi Abul Rahman 38301-1843150-6 F Darwashi Khail F Fertilizer 10,000 11 Khair Mohammad 53 Bashiran Bibi 38301-7428757-4 F Rahman Abad F Fertilizer 10,000 11 khan 54 Azizan Bibi GhulamRasool Khan 38301-8633639-6 F Arifabad F Fertilizer 10,000 11 55 Kanizan Bibi Muhammad Zaman 38301-1840843-2 F Jattanwala F Fertilizer 10,000 11 56 Sainfull Bibi Kareem Khan 38301-2638661-2 F Jattanwala F Fertilizer 7,000 11 57 Meeran Bibi Ismail F Jattanwala F Fertilizer 10,000 11 58 Nassem Bibi Ashaq khan 38301-5790590-0 F Ghaze khail F Fertilizer 10,000 11 59 Bashiran Bibi Gull Nawaz 38301-2827542-2 F Hassn khail F Fertilizer 10,000 11 60 Naziran Bibi Nasrullah khan 38301-8731214-6 F Hassn khail F Fertilizer 10,000 11 61 Wazeeran Bibi Hayat ullah 38301-1853426-8 F Noor khan F Fertilizer 10,000 11 Mohammad Ameer 62 Meer zadoo 38301-8333540-6 F Kamal zay Fertilizer 10,000 11 khan 63 Meraan Muhammad Raiz 38301-4495929-6 F Kamal zay Fertilizer 9,000 11 64 Khudeja Bibi Atta Muhammad khan 38301-4841162-4 F Sarmat khail F Fertilizer 10,000 11 65 Nasreen Bibi Atta Muhammad 38301-2881134-8 F Jattanwala F Fertilizer 10,000 11 66 Main Bibi Rafi ullah 38301-8179916-0 F Jattanwala F Fertilizer 10,000 11 67 Naziran Bibi Hameed ullah 38301-0849637-2 F Jattanwala F Fertilizer 10,000 11 68 Basraan bibi Baz Gull 38301-1845071-4 F Sarmat khail F Fertilizer 10,000 11 69 Kanizan Bibi Hameed ullah 38301-1855138-0 F Gull Shamalwal Fertilizer 10,000 11 70 Kalsoom Bibi Abdul Aziz 38301-2629882-6 F Shair Muhammad khail Fertilizer 9,000 11 71 Haleema Bibi Noor khan 38301-3255970-8 F Jattanwala F Fertilizer 10,000 11 Muhammad Rafeq 72 Mahar Bano 38301-2445137-0 F Ramzan khail F Fertilizer 10,000 11 khan 73 Ghulam Aaysha Hameed ullah khan 38301-9789521-8 F Kamal zay Fertilizer 10,000 11 74 Kanizan Bibi Ghullam Mohammad 38301-1851616-6 F Sarmat khail F Fertilizer 10,000 11 Mohammad Lateef 75 Azizan Bibi 38301-1842630-4 F Hassn khail F Fertilizer 9,000 11 khan 76 Jantaan Bibi Hayat ullah 38301-1840404-8 F Malik Shimalwal Fertilizer 9,000 11 77 Khadeeja Bibi Azizullah Khan 383018114617-0 F Dera Azizullah General Store 10,000 11 78 Samina Yasmin safiullah Khan 383013958970-6 F Dera Azizullah General Store 9,000 11 Musa Khel Shimal 79 Wazeeran Bibi Haq Nawaz 383010320327-6 F Goats 9,000 11 Wal(F) 80 Yasmeen Bibi M.Razzaq Khan 383011838724-4 F Wanda Kamal Zai (F) Goats 10,000 11 81 Noorazan Bibi Munir Bibi 383011435175-8 F Rosahn Mustaqbil (F) Goats 10,000 11 82 Shidan Bibi Ghulam Jaffar 383011803975-0 F Dera Hassan Goats 10,000 11 83 Hamidan Sultan 383015752674-8 F Jattanwala F Goats 10,000 11 84 Salamina Bibi Islam Din 383019640208-8 F Goats 10,000 11 85 Zohran Bibi Sanaullah 38301-1846583-8 F Malik Shimalwal Goats 10,000 11 86 Kanizan Bibi Mehr Gull 38301-1775424-8 F Malik Shimalwal Goats 10,000 11 Ghulam Mohamad 87 Naziran Bibi 38301-3187221-4 F Hassn khail F Goats 10,000 11 Khan 88 Marajan bibi Abdullah jan 38301-1845609-6 F Jattanwala F Goats 8,000 11 89 Hameedan Bibi Sultan 38301-5752674-8 F Jattanwala F Goats 10,000 11 90 Khan Bibi Muhammad Ramzan 38301-0354376-8 F Jattanwala F Goats 10,000 11 91 Mashuday Ghulam Mohammad 38301-7645170-8 F Jattanwala F Goats 10,000 11 92 Asal Bibi Muhammad ashaq 38301-8251010-6 F Jattanwala F Goats 10,000 11 93 Tasleem Bibi Ahssan ullah khan 38301-8731214-8 F Khanjo khail F Goats 10,000 11 94 Musarat janay Nazrat Gull 38301-1836625-4 F Malik Shimalwal Goats 9,000 11 95 Anaran Bibi Azizullah 38301-1037319-8 F Malik Shimalwal Goats 10,000 11 96 Sakeena Bibi Fati ullah Khan 38301-1857647-6 F Rahman Abad F House 10,000 11

32 Sr Amount Name Father/Husband CNIC Gender CO Name Purpose Period No. Rs. Shamal Dad Muhammad Rafeq 97 38301-1806328-4 F Jattanwala F House 10,000 11 Bibi khan 98 Rukhsana Bibi Mushtaq 38301-1582035-6 F Ramzan khail F House 10,000 11 99 Fazlaan Bibi Gulam Rasool Khan 383011844072-6 F Sarmad Khel (F) Karyana Store 10,000 11 100 Walataan Bibi M.Shakeel Khan 383011154174-4 F Arif Abad (F) Karyana Store 10,000 11 101 Azizan Bibi Mian Muhammad 38301733765-6 F Arif Abad (F) Karyana Store 10,000 11 102 Jaan Bibi Aman ullah 38301-3711456-8 F Jattanwala F Marrige 10,000 11 103 Sakena Bibi Moh. Azim 38301-5911741-6 F Jattanwala(F) 1 Poultry Rearing 2,000 11 104 Zohra Bibi Niaz Moh. 38301-3823809-6 F Jattanwala(F) 1 Poultry Rearing 2,000 11 105 Rasoolan Bibi Moh. Iqbal 38301-7530818-0 F Jattanwala(F) 1 Poultry Rearing 2,000 11 106 Haleema Bibi Khan Zaman 38301-3255544-2 F Jattanwala(F) 1 Poultry Rearing 2,000 11 107 Rukhsana Bibi Amiran Bibi 38301-1854176-2 F Jattanwala(F) 1 Poultry Rearing 2,000 11 108 Amiran Bibi Moh. Ismail 38301-4341068-6 F Jattanwala(F) 1 Poultry Rearing 2,000 11 109 Saeeda Bibi Sher Khan 38301-2080340-2 F Jattanwala(F) 1 Poultry Rearing 2,000 11 110 Ruqia Bibi Khizar Hayyat 38301-4621731-4 F Jattanwala(F) 2 Poultry Rearing 2,000 11 111 Samreen Bibi Sultan 383015752674-8 F Jattanwala(F) 2 Poultry Rearing 2,000 11 112 Sumaira Bibi Alam Khan 38301-1830033-6 F Jattanwala(F) 2 Poultry Rearing 2,000 11 113 Parveen Rais 38301-1858716-6 F Jattanwala(F) 2 Poultry Rearing 2,000 11 114 Jawai Bhai Khan 38301-1845646-8 F Jattanwala(F) 3 Poultry Rearing 2,000 11 115 Sughran Bibi Habibullah 38301-8905515-6 F Jattanwala(F) 3 Poultry Rearing 2,000 11 116 Shazia Bibi Nazar 383012741873-4 F Jattanwala(F) 3 Poultry Rearing 2,000 11 117 Masturan Bibi Inayyatulla 383019003742-2 F Jattanwala(F) 3 Poultry Rearing 2,000 11 118 Gull Bibi Nasirullah 383014862380-2 F Jattanwala(F) 3 Poultry Rearing 2,000 11 119 Miran Bibi Azeem 383012908957-2 F Jattanwala(F) 3 Poultry Rearing 2,000 11 120 Naziran Bibi Barkhurdar 383019371469-6 F Jattanwala(F) 3 Poultry Rearing 2,000 11 121 Sobia Bibi Ahmed Khan 383019406436-0 F Jattanwala(F) 4 Poultry Rearing 2,000 11 122 Manzooran Bibi Zulfiqar 383016176795-2 F Jattanwala(F) 4 Poultry Rearing 2,000 11 123 Gull Raana Bibi Shifaullah 383011853117-2 F Jattanwala(F) 4 Poultry Rearing 2,000 11 124 Noor Jehan Bibi Abdul satar 383017954852-8 F Jattanwala(F) 4 Poultry Rearing 2,000 11 125 Nooreen Bibi Jan Mohammad 383012460819-6 F Jattanwala(F) 4 Poultry Rearing 2,000 11 126 Zubaida Bibi Moh.Ramzan 383014740303-4 F Jattanwala(F) 5 Poultry Rearing 2,000 11 127 Tharan Bibi Zar Khan 383019727884-6 F Jattanwala(F) 5 Poultry Rearing 2,000 11 128 Noor Bibi Abdu Ul Rehman 383013397340-5 F Jattanwala(F) 5 Poultry Rearing 2,000 11 Alam Khatoon 129 Ameer Abdullah 383011800362-4 F Wanda Kamal Zai (F) Seed 10,000 11 Bibi 130 Fatima Bibi Abas Khan 383010519543-4 F Wanda Kamal Zai (F) Seed 10,000 11 131 Fazlaan Bibi Saif Ullah 383011827197-2 F Mustarika Shimwal Seed 10,000 11 Alaam Khatoon 132 Habibullah 383011792294-8 F Khanjo Khel (F) Seed 10,000 11 Bibi 133 Haditaan Bibi M.Aslam Khan 383011793695-4 F Khanjo Khel (F) Seed 10,000 11 134 Sedaan Bibi Habibullah 383017278328-6 F Arif Abad (F) Seed 10,000 11 135 Raz Bibi Atta ullah 383015866344-0 F Jattan Wala Seed 10,000 11 136 Miran Bibi Azeem 383012908957-2 F Jattan Wala Seed 10,000 11 137 Hamedaan Bibi M.Sadiq 383019876823-0 F Rehman Abad (F) Seed 10,000 11 138 Zainab Bibi Gulam Jaan 383015013054-6 F Daira Jhangirwala Seed 10,000 11 Gulam Asha 139 M.Mushtaq Khan 240-57-102332 F Wanda Kamal Zai (F) Seed(Agriculture) 10,000 11 Bibi 140 Tasleem Bibi Mihar Khan 38301-1836735-2 F Jattanwala F Shop 10,000 11 141 Maqsodaan Bibi Ahmad Khan 383018574304-8 F Arif Abad (F) To buy Cow 10,000 11 142 Saleema Bibi Zafrullah 383011643281-2 F Jattan Wala To buy Cow 10,000 11 143 Nasreen Bibi Asmat ullah 383012743838-8 F Jattan Wala To buy Cow 10,000 11 144 Miran Bibi Amir Abdullah 383011845024-2 F Malik Shimalwal To buy Cow 10,000 11 145 Wazeeran Bibi Talab jan 38301-0516533-0 F Kalay Khail To buy cow 10,000 11 Ameer Muhammad 146 Ghullam Fatmah 38301-1800360-6 F Gull Baz khail To buy Cow 10,000 11 khan

33 Sr Amount Name Father/Husband CNIC Gender CO Name Purpose Period No. Rs. Mohmmad Akram 147 Ghullam Fatmah 38301-1794608-0 F Gull Baz khail To buy Cow 10,000 11 khan Mohmmad Aslam 148 Hajran Bibi 38301-1800793-2 F Gull Baz khail To buy Cow 10,000 11 Khan 149 Yasmeen Bibi Shafi ullah khan 38301-1837039-8 F Arifabad F To buy Cow 10,000 11 150 Naziran Bibi Ghullam Mohammad 38301-2476348-0 F Gull Baz khail To buy Cow 10,000 11 151 Kamri Nasrullah 383010384274-8 F Jattan Wala To buy Goats 10,000 11 Musa Khel Shimal 152 Asmat Bibi Asmat ullah 383015208034-2 F To buy Goats 8,000 11 Wal(F) 153 Tasleem Bibi Zia ullah 383012479404-6 F Sarmad Khel (F) To buy Goats 10,000 11 154 Kalsoom Bibi Khalid Khan 383011835847-8 F Sarmad Khel (F) To buy Goats 10,000 11 155 Khairaan Bibi M.Aslam Khan 383011839667-8 F Hassan Khel (F) To buy Goats 10,000 11 156 Azizan Khatoon M.Khan 383010613593-4 F Wanda Kamal Zai (F) To buy Goats 10,000 11 157 Balqees Bibi Rafi ullah 383015025947-0 F Mustarika Shimwal To buy Goats 5,000 11 Shahzadaan 158 Sana ullah 383015249466-6 F Mustarika Shimwal To buy Goats 10,000 11 Bibi 159 Jantaan Bibi Rehmatullah 383010840001-4 F Mustarika Shimwal To buy Goats 9,000 11 160 Gulshad Bibi Anatullah 383011557567-0 F Mustarika Shimwal To buy Goats 10,000 11 161 Fazlaan Bibi Asmat ullah 383011810536-8 F Malik Shimalwal To buy Goats 8,000 11 162 Rasheed Bibi Rafi ullah 383011845087-0 F Malik Shimalwal To buy Goats 10,000 11 163 Munizaan Bibi Zafarullah 383012752278-4 F Malik Shimalwal To buy Goats 8,000 11

34 Annex-3 Details of NRSP’s micro credit borrowers

Sanction Cheque Cheque Loan Sr.No No Name CO Name date No Amount Period 1 IKL-23701-E NAZIRAN BIBI CG-KURIAN WALA-240 1/Apr/09 12433886 15,000 12 GHULAM AYESHA 2 IKL-23185-L BIBI CG-KURIAN WALA-240 1/Apr/09 12433894 10,000 12 3 IKL-23186-L KHAIRAN BIBI CG-KURIAN WALA-240 1/Apr/09 12433895 10,000 12 4 IKL-23187-L HAJIRAN BIBI CG-DHADIAN WALA-250 1/Apr/09 12433896 10,000 12 5 IKL-23188-L ZUBEIDA BIBI CG-DHADIAN WALA-250 1/Apr/09 12433897 10,000 12 6 IKL-23194-L AMINA BIBI CG-DHANDIAN WALA-183 1/Apr/09 12433903 15,000 12 7 IKL-23195-L ZEENAT BIBI CG-DHANDIAN WALA-183 1/Apr/09 12433904 15,000 12 8 IKL-23198-L AYESHA BIBI CG-DHANDIAN WALA-183 1/Apr/09 12433907 15,000 12 9 IKL-23147-L ARSHAN BIBI CG-DHADIAN WALA-257 1/Apr/09 12433914 15,000 12 10 IKL-23204-L SHAHIDA BIBI CG-DHADIAN WALA-257 1/Apr/09 12433915 15,000 12 11 IKL-23208-L ZUBEIDA BIBI CG-DILLA MIR WALA-253 1/Apr/09 12433919 15,000 12 12 IKL-23209-L KALSOOM BIBI CG-DILLA MIR WALA-253 1/Apr/09 12433920 15,000 12 13 IKL-23219-L SAKINA BIBI CG-DILLA MIR WALA-253 1/Apr/09 12433944 15,000 12 14 IKL-23220-L YASMIN BIBI CG-DHADIAN WALA-257 1/Apr/09 12433945 15,000 12 15 IKL-23229-L HAMIDAN BIBI CG-DILLA MIR WALA-160 1/Apr/09 12433954 15,000 12 16 IKL-23721-E SARDARAN BIBI CG-DILLA MIR WALA-26 1/Apr/09 12433957 15,000 12 17 IKL-23233-L MHER BANO BIBI CG-BULND KHEL-258 3/Apr/09 12433961 10,000 12 18 IKL-23234-L NOOR BIBI CG-BULND KHEL-258 3/Apr/09 12433962 10,000 12 19 IKL-23235-L WAZEERAN CG-BULND KHEL-258 3/Apr/09 12433963 10,000 12 20 IKL-23259-L ALAM KHATOON CG-DILLA MIR WALA-29 17/Apr/09 12434008 10,000 12 GHULAM FATIMA 21 IKL-23260-L BIBI CG-DILLA MIR WALA-29 17/Apr/09 12434009 15,000 12 22 IKL-23261-L KANEEZAN BIBI CG-DILLA MIR WALA-29 17/Apr/09 12434010 12,000 12 23 IKL-23275-L SAKINA BIBI CG-DILLA MIR WALA-142 23/Apr/09 12434036 15,000 12 24 IKL-23277-L NAZRAN BIBI CG-DILLA MIR WALA-142 23/Apr/09 12434038 15,000 12 25 IKL-23278-L NAZIRAN BIBI CG-DILLA MIR WALA-142 23/Apr/09 12434039 15,000 12 26 IKL-23281-L WAZEERAN BIBI CG-DHADIAN WALA-264 23/Apr/09 12434046 10,000 12 27 IKL-23282-L SHAMIM BIBI CG-DHADIAN WALA-264 23/Apr/09 12434047 10,000 12 28 IKL-23283-L ZAINAB BIBI CG-DHADIAN WALA-264 23/Apr/09 12434048 10,000 12 29 IKL-23310-L SHAMA BIBI CG-SERMAT KHEL-37 30/Apr/09 12434100 15,000 12 30 IKL-23311-L AMINA BIBI CG-DILLA MIR WALA-269 30/Apr/09 12434101 10,000 12 31 IKL-23312-L SHAHIDAN BIBI CG-DILLA MIR WALA-269 30/Apr/09 12434102 15,000 12 32 IKL-23313-L NAZIRAN BIBI CG-DILLA MIR WALA-269 30/Apr/09 12434103 15,000 12 33 IKL-23314-L YASMIN BBI CG-SERMAT KHEL-37 30/Apr/09 12434104 20,000 12 34 IKL-23315-L ZUBEIDA BIBI CG-SERMAT KHEL-37 30/Apr/09 12434105 15,000 12

35 Sanction Cheque Cheque Loan Sr.No No Name CO Name date No Amount Period 35 IKL-23354-L GHUALAM SAKINA CG-KARIAN WALA-187 19/May/09 12434188 15,000 12 36 IKL-23355-L ZEENAT BIBI CG-KARIAN WALA-187 19/May/09 12434189 15,000 12 37 IKL-23356-L ROSHAN BIBI CG-KARIAN WALA-187 19/May/09 12434190 15,000 12 38 IKL-23846-E RAFIA BIBI CG-JNC-30 19/May/09 12434532 15,000 12 39 IKL-23847-E BASHIRAN BIBI CG-JNC-30 19/May/09 12434533 15,000 12 40 IKL-23848-E FOUZIA BIBI CG-JNC-30 19/May/09 12434534 15,000 12

41 IKL-23878-E FAZLAN BIBI CG-DILLA MIR WALA-274 30/May/09 12434564 6,000 12 42 IKL-23879-E UZMA BIBI CG-DILLA MIR WALA-274 30/May/09 12434565 15,000 12 GHULAM FATIMA 43 IKL-23397-L BIBI CG-DILLA MIR WALA-274 30/May/09 12434589 15,000 12 44 IKL-23406-L SARDARAN BIBI CG-KURIAN WALA-21 30/May/09 12434598 15,000 12 45 IKL-23407-L ROSHAN BIBI CG-KURIAN WALA-21 30/May/09 12434599 15,000 12 46 IKL-23408-L GHULAM AYESHA CG-KURIAN WALA-21 30/May/09 12434600 15,000 12 47 IKL-23412-L SARDARAN BIBI CG-DILLA MIR WALA-275 31/May/09 12434605 12,000 12 ALAM KHATOON 48 IKL-23413-L BIBI CG-DILLA MIR WALA-275 31/May/09 12434606 12,000 12 49 IKL-23414-L KHURSHID BIBI CG-DILLA MIR WALA-275 31/May/09 12434607 12,000 12 50 IKL-23889-E SALMA BIBI CG-JANAH COLONY-174 31/May/09 12434631 15,000 12 51 IKL-23890-E FARZANA BIBI CG-JANAH COLONY-174 31/May/09 12434632 15,000 12 52 IKL-23891-E GHULAM SAKINA CG-JANAH COLONY-174 31/May/09 12434633 15,000 12

53 IKL-23936-E MUNEERAN BIBI CG-JATTAN WALA-281 15/Jun/09 12434704 8,000 12

54 IKL-23459-L MIAN BIBI CG-JATTAN WALA-281 15/Jun/09 12434708 8,000 12

55 IKL-23460-L HALIMA BIBI CG-JATTAN WALA-281 15/Jun/09 12434709 8,000 12 56 IKL-23461-L NASIM BIBI CG-DILLA MIR WALA-279 15/Jun/09 12434710 15,000 12 57 IKL-23462-L RUKHSANA ASLAM CG-DILLA MIR WALA-279 15/Jun/09 12434711 10,000 12 58 IKL-23463-L AMIRAN BIBI CG-DILA MIR WALA-26 15/Jun/09 12434712 20,000 12 59 IKL-23464-L TAHIRA BIBI CG-DILLA MIR WALA-279 15/Jun/09 12434713 10,000 12 60 IKL-23465-L GHULAM FATIMA CG-DILA MIR WALA-26 15/Jun/09 12434714 20,000 12 61 IKL-23466-L MEERAN BIBI CG-DILA MIR WALA-26 15/Jun/09 12434715 15,000 12 CG-WANDHA KARIAN 62 IKL-23502-L WAZEERAN BIBI WALA-188 27/Jun/09 12434775 15,000 12 CG-WANDHA KARIAN 63 IKL-23503-L MHER FATIMA WALA-188 27/Jun/09 12434776 15,000 12 CG-WANDHA KARIAN 64 IKL-23504-L BALQIS BIBI WALA-188 27/Jun/09 12434777 15,000 12 65 IKL-23587-L MERYAN BIBI CG-DILLA MIR WALA-195 13/Jul/09 12435139 15,000 12 66 IKL-23588-L HAMEEDAN BIBI CG-DILLA MIR WALA-195 13/Jul/09 12435140 15,000 12 67 IKL-23589-L MUMTAZ BEGUM CG-DILLA MIR WALA-195 13/Jul/09 12435141 15,000 12

36 Sanction Cheque Cheque Loan Sr.No No Name CO Name date No Amount Period 68 IKL-23590-L AYESHA BIBI CG-DILLA MIR WALA-286 13/Jul/09 12435142 15,000 12 69 IKL-23591-L ZAHIDA BIBI CG-DILLA MIR WALA-286 13/Jul/09 12435143 10,000 12 70 IKL-23592-L WALYITAN BIBI CG-DILLA MIR WALA-286 13/Jul/09 12435144 10,000 12 71 IKL-23612-L FAZLAN BIBI CG-KURIAN WALA-288 24/Jul/09 12435181 10,000 12 72 IKL-23615-L KANEEZAN BIBI CG-KURIAN WALA-288 24/Jul/09 12435182 10,000 12 73 IKL-23614-L FAIZAN BIBI CG-KURIAN WALA-288 24/Jul/09 12435183 10,000 12

74 IKL-23629-L RASHIDAN BIBI CG-KURIAN WALA-289 28/Jul/09 12435217 8,000 12 75 IKL-23630-L ZAINAB BIBI CG-KURIAN WALA-289 28/Jul/09 12435218 10,000 12

76 IKL-23631-L GULAN BIBI CG-KURIAN WALA-291 28/Jul/09 12435219 7,000 12

77 IKL-23632-L ASIA BIBI CG-KURIAN WALA-291 28/Jul/09 12435220 7,000 12

78 IKL-23633-L ZAINAB BIBI CG-KURIAN WALA-291 28/Jul/09 12435221 7,000 12

79 IKL-23634-L KHAIRAN BIBI CG-KURIAN WALA-290 28/Jul/09 12435222 6,000 12

80 IKL-23635-L SAKINA BIBI CG-KURIAN WALA-290 28/Jul/09 12435223 5,000 12

81 IKL-23636-L SAEEDAN BIBI CG-KURIAN WALA-290 28/Jul/09 12435224 7,000 12

82 IKL-23639-L AMINA BIBI CG-KURIAN WALA-292 28/Jul/09 12435227 7,000 12 83 IKL-23640-L FAZLAN BIBI CG-KURIAN WALA-292 28/Jul/09 12435228 10,000 12 84 IKL-23641-L MEERAN BIBI CG-KURIAN WALA-292 28/Jul/09 12435229 10,000 12 85 IKL-24080-E NAZIRAN BIBI CG-KURIAN WALA-289 28/Jul/09 12435253 10,000 12 86 IKL-24121-E RUQIA BIBI CG-SHAH ALAM WALA-299 31/Jul/09 12435295 10,000 12 87 IKL-24123-E RUKHSANA BIBI CG-SHAH ALAM WALA-299 31/Jul/09 12435297 10,000 12 88 IKL-24126-E SHAMIM AKHTER CG-SHAH ALAM WALA-299 31/Jul/09 12435300 10,000 12 89 IKL-23673-L WAZEERAN BIBI CG-KURIAN WALA-297 31/Jul/09 12435327 10,000 12 90 IKL-23674-L ALAM KHATOON CG-KURIAN WALA-297 31/Jul/09 12435328 10,000 12 91 IKL-23675-L PERVEEN BIBI CG-SHAH ALAM WALA-299 31/Jul/09 12435329 10,000 12 92 IKL-23676-L FAIZAN BIBI CG-KURIAN WALA-297 31/Jul/09 12435330 10,000 12 93 IKL-23686-L NAZIRAN BIBI CG-KURIAN WALA-296 31/Jul/09 12435340 10,000 12 94 IKL-23688-L BASRAN BIBI CG-KURIAN WALA-296 31/Jul/09 12435342 10,000 12

95 IKL-20528-A NAZIRAN CG-KURIAN WALA-296 31/Jul/09 12435343 8,000 12 96 IKL-23722-L HADYATAN BIBI CG-DILLA MIR WALA-304 19/Aug/09 12435405 15,000 12 97 IKL-23723-L HALIMA BIBI CG-DILLA MIR WALA-304 19/Aug/09 12435406 10,000 12 98 IKL-23724-L AMIRAN BIBI CG-DILLA MIR WALA-304 19/Aug/09 12435407 15,000 12 ALAM KHATOON 99 IKL-23725-L BIBI CG-MELI WALI-204 19/Aug/09 12435408 10,000 12 100 IKL-23726-L LALO BIBI CG-MELI WALI-204 19/Aug/09 12435409 12,000 12

37 Sanction Cheque Cheque Loan Sr.No No Name CO Name date No Amount Period 101 IKL-23727-L KANEEZAN BIBI CG-MELI WALI-204 19/Aug/09 12435410 10,000 12 102 IKL-24166-E ZUBEIDA BIBI CG-JATAN WALA-301 22/Aug/09 12435417 10,000 12 103 IKL-24174-E TASLIM BIBI CG-DHADIAN WALA-307 22/Aug/09 12435425 10,000 12 104 IKL-23734-L KANEEZAN BIBI CG-DHADIAN WALA-307 22/Aug/09 12435429 10,000 12 105 IKL-23735-L RUQIA BIBI CG-DHADIAN WALA-307 22/Aug/09 12435430 10,000 12 106 IKL-23752-L SAKINA BIBI CG-JATAN WALA-301 22/Aug/09 12435447 10,000 12 107 IKL-23753-L ZAITOON BIBI CG-JATAN WALA-301 22/Aug/09 12435448 10,000 12

108 IKL-23776-L GHULAM AYESHA CG-KURIAN WALA-305 31/Aug/09 12435501 6,000 12 109 IKL-23787-L BALQIS BIBI CG-KURIAN WALA-310 31/Aug/09 12435512 10,000 12 110 IKL-23788-L MERYAM BIBI CG-KURIAN WALA-310 31/Aug/09 12435513 10,000 12 111 IKL-23789-L ZEBA BIBI CG-KURIAN WALA-310 31/Aug/09 12435514 10,000 12 112 IKL-23791-L SHAMIM BIBI CG-KURIAN WALA-311 31/Aug/09 12435516 10,000 12 113 IKL-23792-L ZAITOON BIBI CG-KURIAN WALA-311 31/Aug/09 12435517 10,000 12 114 IKL-24205-E PERVEEN BIBI CG-KURIAN WALA-305 31/Aug/09 12435540 10,000 12

115 IKL-24206-E BALQIS BIBI CG-KURIAN WALA-305 31/Aug/09 12435541 6,000 12 116 IKL-24230-E KANEEZAN BIBI CG-KURIAN WALA-311 31/Aug/09 12435565 10,000 12 117 IKL-23834-L MHER BIBI CG-DHADIAN WALA-314 12/Sep/09 12435620 10,000 12 118 IKL-24263-E NEHA CG-DHADIAN WALA-314 12/Sep/09 12435622 10,000 12 119 IKL-24265-E FARZANA BIBI CG-DHADIAN WALA-314 12/Sep/09 12435624 10,000 12 120 IKL-24282-E MURIDAN BIBI CG-NAR KHEL-318 18/Sep/09 12435661 10,000 12 121 IKL-23856-L BALQEES BIBI CG-NAR KHEL-318 18/Sep/09 12435670 10,000 12 122 IKL-23858-L KASHMIRAAN BIBI CG-NAR KHEL-318 18/Sep/09 12435672 10,000 12 CG-WANDHA AZIM WALA- 123 IKL-20539-A ZAINAB BIBI 321 30/Sep/09 12435746 10,000 12 CG-WANDHA AZIM WALA- 124 IKL-20540-A BASHIRAN BIBI 321 30/Sep/09 12435747 10,000 12 CG-WANDHA AZIM WALA- 125 IKL-20541-A YASMIN BIBI 321 30/Sep/09 12435748 10,000 12 126 IKL-23895-L NAZRAN BIBI CG-GULLA KHEL-322 30/Sep/09 12435761 10,000 12 127 IKL-23896-L ZUHRAN BIBI CG-GULLA KHEL-322 30/Sep/09 12435762 10,000 12 128 IKL-23897-L TASLIM BIBI CG-GULLA KHEL-322 30/Sep/09 12435763 10,000 12 129 IKL-20549-A WALYIAT BIBI CG-DHANDIAN WALA-193 13/Oct/09 12435800 12,000 12 130 IKL-20550-A SUGHRAN BIBI CG-DHANDIAN WALA-193 13/Oct/09 12435801 12,000 12 131 IKL-23925-L KHAIRAN BIBI CG-DILLA MIR WALA-63 13/Oct/09 12435824 15,000 12 132 IKL-20551-A PERVEEN BIBI CG-DHANDIAN WALA-193 13/Oct/09 12435828 12,000 12 133 IKL-20552-A YASMIN BIBI CG-DILLA MIR WALA-63 13/Oct/09 12435829 15,000 12 134 IKL-20553-A RASHEEDAN BIBI CG-DILLA MIR WALA-63 13/Oct/09 12435830 12,000 12 135 IKL-24382-E RUQIA BIBI CG-SAMAND WALA-327 17/Oct/09 12435869 10,000 12

38 Sanction Cheque Cheque Loan Sr.No No Name CO Name date No Amount Period 136 IKL-23941-L AZIZAN BIBI CG-SAMAND WALA-327 17/Oct/09 12435870 10,000 12 137 IKL-23942-L AZIZAN BIBI CG-SAMAND WALA-327 17/Oct/09 12435871 10,000 12 138 IKL-24846-E BISMIYAN BIBI CG-DILLA MIR WALA-331 24/Oct/09 12435910 15,000 12 139 IKL-24847-E ARSHAD BIBI CG-DILLA MIR WALA-331 24/Oct/09 12435911 10,000 12 140 IKL-23959-L SUGHRAN BIBI CG-DALA MIR WALA-185 24/Oct/09 12435912 20,000 12

141 IKL-23960-L SAID BIBI CG-GARDAI KHEL-328 24/Oct/09 12435913 5,000 12

142 IKL-23961-L NIAZ BIBI CG-GARDAI KHEL-328 24/Oct/09 12435914 5,000 12 143 IKL-23962-L MASTAR BIBI CG-GARDAI KHEL-328 24/Oct/09 12435915 10,000 12 144 IKL-23963-L MIRZADA BIBI CG-DILLA MIR WALA-331 24/Oct/09 12435916 15,000 12 145 IKL-23964-L GHULAM SAKINA CG-DALA MIR WALA-185 24/Oct/09 12435917 12,000 12 146 IKL-23967-L NASREEN BIBI CG-DILLA MIR WALA-329 24/Oct/09 12435920 15,000 12 147 IKL-23976-L AMINA BIBI CG-DILLA MIR WALA-330 24/Oct/09 12435934 20,000 12 148 IKL-20563-A KHATOON BIBI CG-DILLA MIR WALA-330 24/Oct/09 12435935 10,000 12 149 IKL-20564-A SAKINA BIBI CG-DALA MIR WALA-185 24/Oct/09 12435936 20,000 12 150 IKL-20565-A ZAIBAN BIBI CG-DILLA MIR WALA-329 24/Oct/09 12435937 20,000 12 151 IKL-20566-A KALSOOM BIBI CG-DILLA MIR WALA-329 24/Oct/09 12435938 20,000 12 152 IKL-20567-A AMINA BIBI CG-DILLA MIR WALA-330 24/Oct/09 12435939 20,000 12 153 IKL-20573-A ZAINAB BIBI CG-DILLA MIR WALA-332 31/Oct/09 12435986 12,000 12 154 IKL-20574-A SAEEDAN BIBI CG-DILLA MIR WALA-332 31/Oct/09 12435987 12,000 12 155 IKL-23999-L SHAMA BIBI CG-DILLA MIR WALA-332 31/Oct/09 12435992 12,000 12 156 IKL-24387-E WAZEERAN BIBI CG-DILLA MIR WALA-334 14/Nov/09 13650047 10,000 12 157 IKL-24017-L NASIM BIBI CG-DILLA MIR WALA-334 14/Nov/09 13650059 10,000 12 158 IKL-20591-A WAZEERAN BIBI CG-DILLA MIR WALA-334 14/Nov/09 13650070 10,000 12 159 IKL-20592-A KALSOOM BIBI CG-SODRY-336 14/Nov/09 13650071 10,000 12 160 IKL-20593-A GHULAM FATIMA CG-SODRY-336 14/Nov/09 13650072 12,000 12 161 IKL-20594-A AZIZAN BIBI CG-SODRY-336 14/Nov/09 13650073 10,000 12 CG-WANDHA BORE KHEL- 162 IKL-20595-A BASHIRAN BIBI 219 14/Nov/09 13650074 15,000 12 CG-WANDHA BORE KHEL- 163 IKL-20600-A SAEEDAN BIBI 219 14/Nov/09 13650079 15,000 12 CG-WANDHA BORE KHEL- 164 IKL-20601-A KANEEZAN BIBI 219 14/Nov/09 13650080 15,000 12 165 IKL-24035-L SARDARAN BIBI CG-GULLA KHEL-337 20/Nov/09 13650314 10,000 12 166 IKL-24036-L CHAN BIBI CG-GULLA KHEL-337 20/Nov/09 13650315 10,000 12 167 IKL-24037-L SAIDAN BIBI CG-GULLA KHEL-337 20/Nov/09 13650316 10,000 12 168 IKL-24444-E RUQIA BIBI CG-SDC-338 23/Nov/09 13650377 10,000 12 169 IKL-24445-E GHULAM AYESHA CG-SDC-338 23/Nov/09 13650378 20,000 12 170 IKL-24446-E ZAHRAN BIBI CG-SDC-338 23/Nov/09 13650379 10,000 12

39 Sanction Cheque Cheque Loan Sr.No No Name CO Name date No Amount Period CG-WANDHA JALO KHEL- 171 IKL-24455-E NASREEN BIBI 339 24/Nov/09 13650388 10,000 12 CG-WANDHA JALO KHEL- 172 IKL-24059-L JANNTAN BIBI 339 24/Nov/09 13650389 10,000 12 173 IKL-20618-A ZAKIA BIBI CG-GHARION WALA-335 24/Nov/09 13650392 10,000 12 174 IKL-20621-A ZAHRAN BIBI CG-GHARION WALA-335 24/Nov/09 13650395 10,000 12 175 IKL-20622-A SAFIA BIBI CG-GHARION WALA-335 24/Nov/09 13650396 10,000 12 CG-WANDHA JALO KHEL- 176 IKL-20623-A MEERAN BIBI 339 24/Nov/09 13650397 10,000 12

40

Annex- 4 Details of vocational training participants S No Name Parantage Training type Gender CO Name 1 Niaz Bibi Moh Sidiq Hand Fan Wood Making Woman Jattanwala Fll 2 Ruqia Bibi Khizar Hayyat Hand Fan Wood Making Woman Jattanwala Fl 3 Rubina Bibi Ghulam Rasool Hand Fan Wood Making Woman Jattanwala Fll 4 Naheed Bibi Moh Sidiq Hand Fan Wood Making Woman Jattanwala Fll 5 Samreen Sultan Hand Fan Wood Making Woman Jattanwala Fll 6 Shamshad Bibi Rafiq Hand Fan Wood Making Woman Jattanwala Fl 7 Sarwar Bibi Mohmmad Iqbal Hand Fan Wood Making Woman Jattanwala Fll 8 Rashida Bibi Ahmad Khan Hand Fan Wood Making Woman Jattanwala Fl 9 Saeeda Bibi Ghulam Jan Hand Fan Wood Making Woman Jattanwala Fll 10 Zaitoon Noor Khan Hand Fan Wood Making Woman Jattanwala Fl 11 Haleema Bibi Moh Zaman Hand Fan Wood Making Woman Jattanwala Fl 12 Zohran Bibi Niaz Bibi Hand Fan Wood Making Woman Jattanwala Fl 13 Saeeda Bibi Sheer Khan Hand Fan Wood Making Woman Jattanwala Fl 14 Suria Bibi Habibullah Hand Fan Wood Making Woman Jattanwala Fl 15 Ruqia Bibi Mian Moh Hand Fan Wood Making Woman Jattanwala Fl 16 Sumaira Bibi Alam Khan Hand Fan Wood Making Woman Jattanwala Fl 17 Hayyat Bibi Mumtaz Hand Fan Wood Making Woman Jattanwala Fl 18 Shabnam Bibi Ghulam Yaseen Hand Fan Wood Making Woman Jattanwala Fll 19 Rabia Bibi Sultan Hand Fan Wood Making Woman Jattanwala Fll 20 Sakina Bibi Ghulam Rasool Hand Fan Wood Making Woman Jattanwala Fl 21 Maryyam Bibi Moh Afzal Waan Making Woman Wandha Musa Khel F 22 Zubaida Bibi Ghazi Khan Waan Making Woman Shimalwal F 23 Suria Bibi Abdullah Waan Making Woman Wandha Musa Khel F 24 Salma Bibi Amir Abdullah Waan Making Woman Gull Shimalwal 25 Noor Bibi Omar Khan Waan Making Woman Shimalwal F 26 Shamshad Bibi Zafarullah Waan Making Woman Gull Shimalwal 27 Sadan Bibi Khan Zaman Waan Making Woman Gull Shimalwal 28 Shaheen Nimattullah Waan Making Woman Gull Shimalwal 29 Mehr Khatoon Habibullah Waan Making Woman Wandha Musa Khel F 30 Zubaida Bibi Gull Nawaz Waan Making Woman Gull Shimalwal 31 Maryyam Bibi Ilm Din Waan Making Woman Roshan Mustaqbil 32 Begum Janey Habib Gull Waan Making Woman Shimalwal F 33 Rehmat Bibi Sher Ali Khan Waan Making Woman Mushtarika Shimalwal 34 Zainab Bibi Abdur Rehman Waan Making Woman Mushtarika Shimalwal 35 Naseem Bibi Hazrat Gull Waan Making Woman Shimalwal F 36 Bakhtan Bibi Mawaz Khan Waan Making Woman Mushtarika Shimalwal 37 Hajran Bibi Baz Gull Waan Making Woman Malik Shimal Wal 38 Jantan Bibi Hayyat Gull Waan Making Woman Malik Shimal Wal 39 Sughran Bibi Asmatullah Waan Making Woman Mushtarika Shimalwal 40 Ghulam Fatima M Aslam Waan Making Woman Mushtarika Shimalwal 41 Janat Bibi Rehmatullah Waan Making Woman Musa Khel 42 Bilqees Bibi Rafiullah Waan Making Woman Mushtarika Shimalwal 43 Sabila Bibi Faizullah Waan Making Woman Mushtarika Shimalwal

41 S No Name Parantage Training type Gender CO Name 44 Bilqees Bibi Moh Sadiq Hand Fan Making Woman Jattan Wala Flll 45 Farzana Bibi Habib Hand Fan Making Woman Jattan Wala Flll 46 Sobia Bibi Ahmed Khan Hand Fan Making Woman Jattan Wala Flll 47 Israeela Bibi Khan Zaman Hand Fan Making Woman Jattan Wala Flll 48 Gull Rana Shifaullah Hand Fan Making Woman Jattan Wala Flll 49 Manzoran Bibi Zulfiqar Hand Fan Making Woman Jattan Wala Flll 50 Noor Jehan Sattar Hand Fan Making Woman Jattan Wala Flll 51 Azizan Bibi Jabbar Hand Fan Making Woman Jattan Wala Flll 52 Chan Bibi Shafiullah Hand Fan Making Woman Jattan Wala Flll 53 Saeeda Bibi Sheer Khan Hand Fan Making Woman Jattanwala Fl 54 Zaitoon Noor Khan Hand Fan Making Woman Jattanwala Fl 55 Niaz Bibi Moh Sidiq Hand Fan Making Woman Jattanwala Fll 56 Rashida Bibi Ahmad Khan Hand Fan Making Woman Jattanwala Fl 57 Hayyat Bibi Mumtaz Hand Fan Making Woman Jattanwala Fl 58 Samreen Sultan Hand Fan Making Woman Jattanwala Fll 59 Saeeda Bibi Ghulam Jan Hand Fan Making Woman Jattanwala Fll 60 Farzana Bibi Habib Hand Fan Making Woman Jattan Wala Flll 61 Sakina Bibi Moh Azim Hand Fan Making Woman Jattanwala Fl 62 Niaz Bibi Ghulam Yaseen Hand Fan Making Woman Jattanwala Fl 63 Rukhsana Bibi Mian Moh Hand Fan Making Woman Jattanwala Fl 64 Arshad Bibi Moh. Mushtaq Hand Fan Making Woman Jattanwala Fl 65 Zubaida Bibi Moh. Ramzan Hand Fan Making Woman Jattanwala FlV 66 Tasleem Bibi Gull Moh Hand Fan Making Woman Jattanwala FlV 67 Shehnaz Bibi Gull Moh Hand Fan Making Woman Jattanwala FlV 68 Gull Bibi Nasarullah Hand Fan Making Woman Jattan Wala Flll 69 Masturan Bibi Inayattullah Hand Fan Making Woman Jattan Wala Flll 70 Anaran Bibi Atta Moh Hand Fan Making Woman Jattan Wala Flll 71 Sugran Bibi Habibullah Hand Fan Making Woman Jattan Wala Flll 72 Shamshad Bibi Rafiq Hand Fan Making Woman Jattanwala Fl 73 Haleema Bibi Moh Zaman Hand Fan Making Woman Jattanwala Fl 74 Ruqia Bibi Khizar Hayyat Hand Fan Making Woman Jattanwala Fl 75 Zohran Bibi Niaz Bibi Hand Fan Making Woman Jattanwala Fl 76 Naheed Bibi Moh Sidiq Hand Fan Making Woman Jattanwala Fll 77 Sarwar Bibi Mohmmad Iqbal Hand Fan Making Woman Jattanwala Fll 78 Sakina Bibi Ghulam Rasool Hand Fan Making Woman Jattanwala Fl 79 Gull Bibi Allah Yar Hand Fan Making Woman Jattan Wala Flll 80 Najeebullah Khan Behram Khan Heavy Machinary Man Dera Azizullah 81 Mo Arshad Khan Abdul Sattar Heavy Machinary Man Sermat Khel 82 Javeed Khan Zafarullah Heavy Machinary Man Mushtarika Shimalwal 83 Bilal Khan Amir Abdullah Heavy Machinary Man Mushtarika Shimalwal 84 Samiullah Inayattullah Heavy Machinary Man Gull Shimalwal 85 Ahmad Nawaz Gull Nawaz Heavy Machinary Man Musa Khel Shimalwal 86 Mushtaq Khan Gull Baz Heavy Machinary Man Gull Shimalwal 87 Mehmood Khan Adam Khan Heavy Machinary Man Ghazi Khel 88 Ziaullah Khan Moh Aslam Heavy Machinary Man Rehman Abad 89 Moh. Shakeel Abdur Rehman Heavy Machinary Man Arif Abad 90 Moh. Razaq Alam Khan Heavy Machinary Man Kurianwala

42 S No Name Parantage Training type Gender CO Name 91 Mohammad Sadiq Abdullah Khan Heavy Machinary Man Rehman Abad 92 Rafiullah Khan Yaqoob Khan Heavy Machinary Man Rehman Abad 93 Mumtaz Khan Mawaz Khan Heavy Machinary Man Musa Khel Shimalwal 94 Hyattullah Atta Mohammad Heavy Machinary Man Sermat Khel 95 Shokat Khan Saadullah Heavy Machinary Man Raza Abad 96 Khalid Khan Amir Abdullah Heavy Machinary Man Almi Khel 97 Hameedullah Baz Gull Heavy Machinary Man Kurianwala 98 Samiullah Ghulam Abbas Heavy Machinary Man Kurianwala 99 Fatehullah Ghulam Qadir Heavy Machinary Man Almi Khel 100 Arshad Gull Khan Civil Surveyor Man Jattanwala l 101 Shafiq Rafiq Civil Surveyor Man Jattanwala ll 102 Saeeda Bibi Sher Khan Beautician Woman Jattanwala l 103 Hayyat Bibi Mumtaz Dress Designing Woman Jattanwala Fl 104 Arshad Bibi Moh. Mushtaq Embriodary Woman Jattanwala Fl 105 Asia Bibi Sher Khan Tailoring Woman Jattanwala Fl 106 Suria Bibi Ghulam Habib Tailoring Woman Jattanwala FV 107 Samara Bibi Alam Khan Tailoring Woman Jattanwala Fl 108 Rabia Noreen Sultan Tailoring Woman Jattanwala Fll 109 Zakia Bibi Gull Moh Tailoring Woman Jattanwala FV 110 Amina Bibi Niaz Moh Tailoring Woman Jattanwala FV 111 Rubina Bibi Ghulam Rasool Tailoring Woman Jattanwala FV 112 Shamshad Bibi Moh Rafiq Tailoring Woman Jattanwala FV 113 Amina Bibi Moh Hayyat Tailoring Woman Jattanwala FV 114 Jamila Bibi Hamidullah Tailoring Woman Jattanwala FV 115 Mehnaz Bibi Usman Ghani Tailoring Woman Jattanwala FV 116 Zainab Bibi Fazalur Rehman Tailoring Woman Jattanwala FV 117 Shaheen Bibi Attaullah Tailoring Woman Jattanwala FV 118 Naseem Bibi Zar Khan Tailoring Woman Jattanwala FV 119 Khatoon Bibi Mian Moh Tailoring Woman Jattanwala FV 120 Najma Bibi Attaullah Tailoring Woman Jattanwala FV 121 Farzana Bibi Moh Ishaq Tailoring Woman Jattanwala FV 122 Noor Jehan Sattar Tailoring Woman Jattan Wala Flll 123 Noreen Bibi Jan Moh Tailoring Woman Jattan Wala FlV 124 Shama Bibi Dost Moh Tailoring Woman Jattan Wala FlV 125 Fozia Bibi Gull Janan Tailoring Woman Jattan Wala FlV 126 Taj Bibi Haqdad Tailoring Woman Jattanwala FV

43

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