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Ehsaas Program/ Interest Free Loan

Introduction/ Background: Ehsaas is the biggest & boldest program ever launched in Pakistan to uplift marginalized people. The National Poverty Graduation Initiative (NPGI) was launched on July 5, 2019. This Rs. 42.65 billion NPGI is being rolled out in over 100 lagging districts across the country and will impact 16.28 million people with 50% beneficiaries being women. Loans will also be given to eligible youth, differently-abled people, transgender, minorities, and marginalized communities in lagging districts. As part of this, 80,000 interest-free loans will be given out every month for the next 4 years, and more than 220,000 asset transfers will be made. Objective:

  • Encourage behavioral change by demanding loan beneficiaries to ensure specific health and education practices.
  • Enhance the entrepreneurial competencies by extending capacity building services, e.g. enterprise training & counseling, market linkages, financial literacy, and numeracy training.
  • Establish and strengthen Rural and Urban Branches, and Union Council based community institutions for assessing, distributing, and recovering Interest-Free Loans.
Target Area: District Multan and Lodhran, 9 Union Councils Key Interventions/ Achievment:
  • Identification & Establishment of Loan & Business Development centers
  • Program Introduction & Advertisement
  • Formation of Committees (Loan & Review)
  • Registration of basic information of applicants and Receipts of Applications
  • Social, economic and Technical Appraisals of targeted applicants
  • Development of Business Plans and Provision of Guarantors
  • Approval of Loan from Loan & Review committees & Sign pronote
  • Issuance of Loan to beneficiaries
  • Recordkeeping & MIS Management