Annual Reports

As we come to a close of our financial year, and another year in our journey of ishq, ilm and aml, it is time to reflect on our various opportunities, and take pride in our achievements and review many challenges and obstacles that we have overcome. It has been another busy year for PPAF with new innovative projects undertaken and new relationships being built.

According to several Global Indicators, Pakistan is facing many challenges with inclusion. At PPAF, we take these indicators very seriously and have been committed to making inclusion a priority in all our work. PPAF’s Institutional Development Unit has remained committed to nurturing social mobilization in all PPAF projects and programs. By strengthening human and institutional resource development at a local level, social mobilization seeks to facilitate change through a range of players engaged in interrelated and complementary eorts. PPAF’s approach of reinforcing the ability of community institutions & poor households to participate more effectively in social, economic and political forums, sets the precedence for a more inclusive and productive Pakistan.

By creating a platform for dialogues and listening to various narratives, PPAF is harboring all around inclusivity that works towards a greater goal.

A pilot project titled ‘Ending Gender- Based Violence in Punjab’ focused on addressing gender based violence. The pilot project created awareness in the community on women’s issues, rights and laws. The plan engaged people through Youth Centers, the Women Development Department (WDD), Non-Formal Literacy and Basic Education (NFLBE), and the Department of Government of Punjab, who are all looking to create modes of service delivery at the grass-roots level. Under the pilot, women were able to share their personal stories through a radio program called ‘Roshan Raahein’ (Pathways of Light).
The Program for Poverty Reduction (PPR) has launched as a three-year investment program titled: “Poverty Reduction through Rural Development in Balochistan, KP and FATA”. The Government of Italy (GoI), through the Directorate General for Development Cooperation (DGCS), financed it. Under this program, PPAF has taken some new initiatives resulting in some strategic shift from its standard approach. This program is exciting and challenging for PPAF as it is an opportunity for the organization to reprogram itself in the light of those learning, best practices and experiences. PPR provides fresh approaches to the partner selection process, preparing for entering an area, socio economic development program and union council development plans.

In 2009 PPAF entered into an arrangement with the World Bank’s Consultative Group to Assist the Poor (CGAP) and Innovations for Poverty Action (IPA), a research and policy non-pro¬fit, to be part of a global experiment to test its poverty graduation pilot, “Targeting the Ultra Poor (TUP)”. The purpose of the study was to assess the impact of PPAF’s TUP program on household social and economic outcomes and look into whether a multifaceted graduation program can help the extreme poor establish sustainable self-employment activities and generate lasting improvements in their well-being. The Poverty Graduation report helped PPAF go to scale with the basic poverty graduation approach, which consisted of asset transfers along with relevant trainings, vocational skills training, formation of common interest groups around specifi¬c trades/ skills, and a community livelihood fund. For PPAF this is just the beginning – we believe that supporting ultra-poor and vulnerable households out of poverty requires further scale-up and continuous innovation around this basic formula that has already shown positive results.

Resulting in successful experiences working with PPAF, the Government of Pakistan (GoP) asked PPAF to design, mobilize, implement and monitor the Prime Minister’s Interest Free Loan (PMIFL) through its partner organizations. PPAF is targeting least developed and most deserving areas where it has already invested in terms of social-mobilization, livelihood projects the poor, training, health, education, water, small infrastructure and post flood rehabilitation projects. The scheme has been successful in making interest free loans available to men, women and youth from vulnerable and marginalized households. The loan also emphasizes that 50% of its borrowers must be women.

In order to add value in aiding Pakistan’s continuous energy crisis, PPAF established an independent Renewable Energy (RE) Unit which is involved in the development of indigenous renewable energy resources (small scale hydropower, solar, wind and biomass) to generate electricity locally to o grid communities. The RE Unit was successful in designing and initiating the construction of 5 Mini Hydropower Projects in Chitral, Upper Dir and Buner districts of KP Province with varying capacity of 100 to 300 kW. The design of these Mini Hydro Projects is in line with the international standards and based on data collected from ¬field with detailed engineering surveys.

In January 2015, PPAF’s Education, Health and Nutrition (EHN) team initiated an exercise in Sindh that would ensure that PPAF’s strategic direction was based on field realities, and PPAF’s own strength in grass roots program implementation. Consultations were held with community based households, Mohallah committees, village organizations (VOs), local support organizations (LSOs), PPAF partners organizations, technical organizations in health, nutrition and education, district and union council based government officials, and relevant provincial departments. The consultations indicated that nutrition and preventive health were two important, stand alone areas that communities should focus on, including attention to malnutrition, balanced diet, food security, breast feeding, menstrual hygiene, anemia in adolescent girls, hand washing, and safe drinking water. Once the results of these consultations were analyzed, and aligned with PPAF’s Framework for Socio-Economic Transformation, the two strategic frameworks for Education and Health and Nutrition were finalized. In February 2015, the World Bank formerly approved these. The Frameworks are supported by a policy guideline for all PPAF’s current and future programming in EHN.

PPAF contributed its eorts in aiding in conflict hit areas, by implementing the Chamalang Education Program. This initiative provides scholarships to 4,000 children from the poorest families of the district Kohlu and Lora Lai to integrate them into the mainstream society. PPAF helped children to enroll in the best schools of the province. The overall support included tuition fees, uniforms, books and stationery.

Furthermore, PPAF also provides the cost for exposure visits of these children to different cities of the country so that they have opportunity of cross-cultural learning.

As a sector developer, PPAF continued its eorts to improve the business environment and foster growth in the microfinance sector of the country. Forming a strategic relationship with the government, regulators, investors, practitioners, public sector entities and other stakeholders has yielded a conducive environment for microfinance to be rated as one of the best in the world by Economist Intelligence Unit. All this significantly contributed to another year of consistent growth and development in the microfinance sector of Pakistan. By June 30 2015, the sector served 4.2 million microinsurance policyholders, and 13.15 million savers. The penetration rate increased to 12.8% with potential microfinance market estimated at more than 25 million clients. The number of branches reaching the poor to offer fi¬nancial services has crossed to 2,700 gross loan portfolio reached at PKR 80.95 billion, active borrowers at 3.50 million. The average amount of loan disbursed is PKR 31,563 Finally, we continue to grow our alliances and networks and strongly acknowledge PPAF partner organizations for implementing our developmental initiatives. The Livelihood Support & Promotion of Small Community Infrastructure Program (LACIP) Unit organized the Mashal-e-Khyber Awards Ceremony to acknowledge the best practices in project implementation under various program components by its partner organizations. The award ceremony was held in Islamabad, on April 23, 2015. Mashal-e-Khyber provided a platform for PPAF to celebrate and salute our communities whose courage and spirit encourages us to end poverty.

We are grateful to the Government of Pakistan for their assistance and proactive support, to our Board and General Body for their direction and advice, to our bilateral and multilateral donors who continue to trust and have confidence on our delivery. Finally, we salute the women, men and children in the communities we work with, whose courage and spirit inspires us to work harder.
Qazi Azmat Isa
Chief Executive Officer
For complete Annual Report 2015 (English)     Download here
For complete Annual Report 2015 (Urdu)     Download here
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