P IPS

POLICY RESOURCE GUIDE FOR

Committees on Housing and Works

June 2008

This document is produced by Pakistan Legislative Strengthening Project (PLSP)

PAKISTAN INSTITUTE FOR PARLIAMENTARY SERVICES

Policy Resource Guide

Committees on Housing and Works

C O N T E N T S
1 2 3 4 5 6 7 Purpose of the Resource Guide Overview of the Ministry of Housing and Works Housing and Works Division Departments House Building Finance Corporation Ltd. Institutional Resources: Housing and Works based Projects in Pakistan Informational Resources 3 4 6 7 11 15 25

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PURPOSE OF THE RESOURCE GUIDE

The purpose of this resource guide is to gather available informational resources for Parliamentary Committees of the two Houses of Parliament and Provincial Assemblies on Housing and Works. It is noteworthy that one of the impediments for improving the performance of parliamentary committee is lack of relevant and timely information and expert opinion about the issues at hand. This guide specifically addresses this shortcoming by introducing most of the relevant institutional and expert support for the committee to consult from in the time of need. Most of the informational sources have been acquired by internet search and web databases e.g. Pakistan Development Gateway (www.pdg.com) etc. The resources are divided into three sections; informational, institutional (international and national) and Human resources.

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OVERVIEW OF THE MINISTRY OF HOUSING AND WORKS

This Ministry is responsible for acquisition and development of sites as well as construction and maintenance of Federal Government buildings. It is actively involved in the coordination of civil works, budget, fixation and recovery of rents from Government owned / hired and requisitioned buildings. The activities like management of Federal Lodges, matters, relating to Federal Government lands, licensed to various cooperative housing society in Karachi, except those under the different Ministries. Administration of officers belonging to the Engineering Group, registration to Housing Authority, including National Construction Limited and Housing Foundation are the responsibility of this Ministry. This Ministry has three Attached Departments and three Autonomous Bodies. This Ministry has three Attached Departments and three Autonomous Bodies. Functions (as per Rules of Business, 1973) 1. Acquisition and development of sites, construction, furnishing and maintenance of Federal Government Building except under the Defense Division. 2. (i) Coordination of civil works Budget; and (ii) Execution of Federal Government Works 3. Provision of Office and Residential Accommodation for officers and staff of the Federal Government, Acquisition, requisition and hiring of such accommodation and Payment of compensation or rent. 4. Fixation and recovery of rent of Government owned hired and requisitioned buildings. 5. Management of Federal Lodges. 6. Lands and Buildings belonging to the Federation wherever situated and revenues derived therefore. 7. Administration of the Federal Government Lands and Buildings, (recovery of possession) Ordinance 1965. 8. Matters relating to the Federal Government Lands, Licensed to various cooperative housing Society in Karachi except those under the Defense Division. 9. Administration of Officers belonging to the Engineering Group. 10. Transfer of Property other than Agricultural land, registration of deeds and documents. 11. Matters relating to National Housing Authority. 12. Matters relating to National Construction Limited. Besides the matter relating to Federal Government Employment Housing Foundation are being looked after by the Board of Governors (with Federal Minister, Housing & Works as Chairman) and through an Executive Committee Headed by the Secretary, Housing and works.
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13. Matters relating to Pakistan Housing Authority. Organizational Chart

PAKISTAN INSTITUTE FOR PARLIAMENTARY SERVICES

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HOUSING AND WORKS DIVISION

Management, maintenance and construction of all federal buildings This Division is responsible for acquisition and development of sites as well as construction and maintenance of Federal Government buildings. It is actively involved in the coordination of civil works, budget, fixation and recovery of rents from Government owned / hired and requisitioned buildings. The activities like management of Federal Lodges, matters, relating to Federal Government lands, licensed to various cooperative housing society in Karachi, except those under the different Divisions. Administration of officers belonging to the Engineering Group, registration to Housing Authority, including National Construction Limited and Housing Foundation are the responsibility of this Division. This Division has three Attached Departments and three Autonomous Bodies. Functions (as per Rules of Business, 1973) 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. Acquisition and development of sites, construction, furnishing and maintenance of Federal Government Building except under the Defense Division. (i) Coordination of civil works Budget and (ii) Execution of Federal Government Works Provision of Office and Residential Accommodation for officers and staff of the Federal Government, Acquisition, requisition and hiring of residential accommodation and Payment of compensation or rent. Fixation and recovery of rent of Government owned hired and requisitioned buildings. Management of Federal Lodges. Lands and Buildings belonging to the Federation wherever situated and revenues derived therefore. Administration of the Federal Government Lands and Buildings, (recovery of possession) Ordinance 1965. Matters relating to the Federal Government Lands, Licensed to various cooperative housing Society in Karachi except those under the Defence Division. Administration of Officers belonging to the Engineering Group. Transfer of Property other than Agricultural land, registration of deeds and documents. Matters relating to National Housing Authority. Matters relating to National Construction Limited. Besides the matter relating to Federal Government Employment Housing Foundation are being looked after by the Board of Governors (with Federal Minister, Housing & Works as Chairman) and through an Executive Committee Headed by the Secretary, Housing and works. Matters relating to Pakistan Housing Authority.
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DEPARTMENTS
Federal Government Employees Housing Foundation Housing is a basic and fundamental human need. Today, there is a virtual housing crisis in the country. Rapid population growth, overcrowding, shortage of supply, aging housing stock, development of slums and Katchi Abadis, seracity of land and lack of financial resources has further aggravated the situation. According to 1998 census, the total number of housing units throughout the country was 19.3 million. 67.7% housing was in rural areas and 32.3% in urban areas. The overall housing stock comprised of 39% kucha houses, 40% semi pukka houses and 21% pukka houses. The housing backlog, as estimated according to the 1998 census, was 4.3 million units. The additional annual requirement is estimated around 300,000 units, thereby, resulting in a recurring shortfall of 270,000 housing units annually. Realization of the present and future scenario caused the creation of Federal Government Employees Housing Foundation in 1989 to achieve the following objectives: 1. 2. 3. 4. To formulate policies, programs and projects for providing shelter to serving and retired Federal Government Employees and their dependents. To initiate, launch, sponsor and implement Housing Schemes for Federal Government Employees on ownership basis in Islamabad, the Provincial Capitals and other major cities of Pakistan. To undertake redevelopment of FG Housing Estates to increase housing stock and improve the living and environmental conditions; and To do all such things as are incidental or conducive to the attainment of the above objectives or any of them.

This organization was registered in March 1990 as a Private Company limited by guarantee under Companies Ordinance 1984. Since its inception, it has served more than 22000 members of the target groups. http://www.fgehf.gov.pk/index.htm http://www.fgehf.gov.pk/Overview/Objectives.htm

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National Housing Authority The National Housing Authority (NHA) was established on August 13, 1987 under a Resolution with the primary objective of preparing short and long terms plans/programmes and policy guidelines and mobilizing financing resources for development of housing for low income groups. The NHA was declared as an attached department of Ministry of Housing and Works vide Cabinet Division Notification No.7/2000-Mn-I dated 8th June 2000. http://www.pakistan.gov.pk/divisions/ContentInfo.jsp?DivID=26&cPa th=276_582&ContentID=3844 Pakistan Housing Authority Pakistan Housing Authority, a subsidiary of Ministry of Housing & Works, was established to undertake construction of approximately 4500 high quality apartments at affordable prices. It is for the first time ever that the Government of Pakistan has engaged itself in actual construction of affordable housing. PHA is also undertaking following two housing schemes; 1. 2. Housing scheme for the officers of Federally Constituted Occupational Groups. Construction of apartments for low paid Federal Government Employees on ownership basis.

The objective of this organization is to help in developing modern community living with all the comforts and amenities of 21st Century at affordable cost for the middle & low-income groups. For this purpose, the authority has identified Prime locations in Karachi, Lahore, Islamabad and Peshawar where construction work is near to completion. To ensure world-class standards and professional excellence, Pakistan Housing Authoritys Housing program is perceived by the leading designers and is being implemented through the most renowned Engineering Consultants and Construction Companies of Pakistan. http://www.pha.gov.pk/

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Pakistan Public works department The objective of Pak. PWD are to execute the offices and residential accommodation for federal Government employee and to overcome the backlog of millions of square foot of office space and housing units being presently accommodated in hired office space and privately owned residences within budgetary provisions of Federal Government http://www.pwd.gov.pk/front.asp Estate Office Management The Estate Office, an attached department of Ministry of Housing and Works was established in 1947 at Karachi. The government of Pakistan had inherited certain units of Housing properties and the primary objective for the establishment to this department was to allot these housing units of the officers and the staff of the Federal Government posted at the then capital i.e. Karachi. The organization was initially headed by two successive British Heads of Department namely Mr.M.S.Fieldman and Mr.K.H.Henly till mid 1949. After that the government of Pakistan posted its own officers from the then Ministry of Agriculture, Rehabilitation and Works. The present strength of the department is 356 out of which 352 officers and officials are in position; there are 23 officers in the departments in BPS-17 and above. The administrative set up of the department is that its Head Office is situated at Islamabad which was shifted after the transfer of capital from Karachi to Islamabad in 1964 and the organization have established its sub offices at the four provincial headquarters. The Head Office is headed by Estate Officer, its Karachi office is headed by Additional Estate Officer while the Joint Estate Officers has been posted to steer the organization at mofassil offices situated at provincial Head Quarters. Functions of estate offices The business of the department is being carried out under Pakistan Allocation Rules, 1993. The important functions are summarized as under; 1. 2. 3. 4. Provision of government accommodation to the Federal Government officers or officials from BPS1 to 22 Provision of Government accommodation to the Ministers, Minister of State, advisors and other authorities under the rules Assessment of rent of privately hired /requisitioned houses with the help of Pak PWD and Finance Division. Maintenance of General Waiting Lists of FGS in BPS 1 to 22.
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5. 6. 7.

Ejectment of unauthorized occupants from Government accommodation Maintenance of record of payment (Cash Books, Ledgers, Cheque Books etc) in respect of privately hired houses and buildings. Maintenance of record of the house rent charges being recovered from the FGS who are provided with government or private hired houses.

http://www.pakistan.gov.pk/divisions/index.jsp?DivID=26&cPath=276

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HOUSE BUILDING FINANCE CORPORATION LTD. (HBFC LTD.)

The HBFC has over the last 55 years has gradually and steadily developed as the leading institution for housing finance in Pakistan. Starting with an initial paid-up capital of Rs.5 million, it expanded its activities necessitating enhancement of its paid-up capital and now paid-up capital is Rs.3.50 Billion. Today, it is the largest housing finance insititution providing investment facility for construction and purchase of house/flats through a large country-wide network of 3 Regional, 12 Zonal and 58 District Offices, 4 camp offices and 25 Representative Offices/Service Agents and 21 more such offices will be opened very soon. Where by adoption of market-going techniques services agents will be appointed. HBFC Ltd. has financed over one and half million units for Rs. 41.437 billions, provided housing finance facility to 28 corporate clients for Rs. 1.7 million, made recoveries of Rs. 51.368 billions and has an investment portfolio of Rs. 19.6 billion. HBFC Ltd.'s average annual disbursements and recoveries are around Rs. 2.5 to 3 billions. At present, it is handling over 103,736 operative accounts with work force comprising of 864 H&R officers and H&R support staff. The credit facilities of the company are available throughout Pakistan including Azad Kashmir and Northern Areas. House Building Finance Corporation, the oldest housing finance institute of Pakistan, was established as a statutory federal body in 1952 with the objective of providing financial assistance for the construction of houses. Ensuingly HBFCs scope also branched out into diverse dominions like purchase, repair and renovation of houses. Later on HBFCs mission was evermore reformed to specifically target the needs of the low and middle income strata of the country by providing Small and Medium Housing (SMH) Solutions, hence successfully providing skilled and user friendly service at affordable costs. Over the years HBFCs operation has flourished and is now spread over a network of 3 Regional, 12 Zonal and 58 District Offices, 4 camp offices and 25 Representative Offices/Service Agents and 21 more such offices will be opened very soon. HBFC today has its presence in 80 cities and towns all over Pakistan and is targeting to expand its business to 150 cities and towns. HBFCs Head office is situated in Finance & Trade Centre Karachi. Since inception todate, the corporation has financed over one and half million units for Rs. 41.437 billions, provided housing finance facility to 28 corporate clients for Rs. 1.7 million, made recoveries of Rs. 51.368 billions and has outstanding portfolio of Rs. 19.6 billion. Disbursed Rs. 600 millions flood loans to over Rs 0.4 million affected families granted remissions to Widows, Orphans and retired Government Servant of Rs. 1.23 billion on Federal Governments
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directive. Its Average annual disbursements and recoveries are around Rs. 2-1/2 to 3 billions. It has contributed Rs. 17.149 billion towards National Exchequer in shape of payment of interest, profit and income tax to Government and State Bank of Pakistan. In 1984-85, the corporation launched Faisal Town Housing Project, at Lahore consisting of 312 bungalows and also constructed 19storeyed Office Building named HBFC House Islamabad. HBFC owns prestigious Office Buildings/Premises at Karachi, Lahore and Hyderabad. It also owns valuable plots at Lahore, Islamabad, Hayatabad (Peshawar) and Hyderabad. Arrangements are afoot to construct on these plots modern commercial-cum-residential buildings, estimated to cost over Rs. one billion. Design concept of 12-16 storeyed Flat Project consisting of 208 apartments at Lahore and 12-storeyed office building at Islamabad conceptualized by M/S NESPAK stands approved by HBFC Board of Directors. HBFCs paid up capital is Rs. 3.50 Billion (53.7 percent for Federal Government and Rs. 46.43 percent for State Bank of Pakistan). The general directive and administration of the corporation and its affairs is entrusted to a Board of Directors and the Managing Director, who together with the assistance of Board Committee manages and controls the affairs of the corporation. HBFC Ltd. HBFC Ltd. which was on its way to become a corporate organization has finally been incorporated as HBFC Ltd. under Banking Companies Ordinance 1984, since July, 2007. Henceforth, Part privatization by offering share holding to firms like IFC, ADB and IDB etc is also a part of the agenda. HBFC Ltd. is also intent upon the securitization of mortgages and establishment of Real Estate Investment Trusts (REITs) and Mortgage Bonds (MBs). To meet the upcoming corporate challenges and to cater to the growing needs of the corporation, HBFC Ltd. has taken certain drastic steps. It is enhancing its operational efficiency through preparation and implementation of manuals, computerization, human resource development and elimination of ineptness and corruption through internal controls and redesigned reward structure. In the near future HBFC Ltd. plans on expanding its outreach representative offices from 80 to 150 towns and cities. HBFC Ltd. is trying to augment its market image by having pro-active, efficient and customer friendly policies. Thus HBFC Ltd. is paving the path for a brilliant future by amplifying its present HBFC Ltd.s main aim has remained to provide Sharia compliant financing to its consumer market. HBFCs financing schemes have also evolved over its 55 years of establishment to acquiesce with this aspiration. These schemes have propelled HBFC towards the fulfillment of its Business Focus which is to accommodate the low and middle income groups housing needs. Thus HBFC offers a wide range of products for the ministration of its consumers. House Construction Financing, financing for purchase of house/flat, renovation of
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House (Home improvement financing), loan transfer and Balance transfer fund is the range offered by this organization. At present HBFC Ltd. has following housing finance schemes in operation: 1. Ghar Aasan Scheme based on diminishing Musharka, a Shariah compliant scheme under which credit for construction and purchase of houses is allowed. Shandar Ghar Scheme under which credit for repairs, renovation/upgradation is available. Loan facility for Small Builder for construction and sale of small houses/flats Ghar Aasan Scheme (Flexi) for construction, purchase and renovation for houses/flats

2. 3. 4.

New up-coming Schemes 1. 2. 3. 4. 5. 6. 7. Step-up-plan Savings and Loan Plan Equity Building Plan Construction Project Finance Residential Hostels Finance Home Finance for Overseas Pakistani Syndicated Finance for Large Construction Projects

The earlier schemes which were discontinued were Interest bearing scheme, Profit & Loss scheme based on income sharing and Simplified & New Simplified Schemes base on income sharing. HBFC Ltd. Future Plans HBFC Ltd. has been a household name traditionally associated with housing finance. The scenario changed with the entry of banks and leasing/house finance companies in the house finance sector from late 1990. HBFC Ltd. had reconsidered its whole business philosophy. This was rather inevitable for its survival. The new management has brought a revolutionary changes for the Corporation in all areas of its working including Operations, Human Resource, Administration, Finance, IT, etc as well as client services. The strategic changes being initiated is expected to help HBFC Ltd. emerge as a vibrant and customer friendly housing finance institution thereby establishing
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more firmly its age old place in the field of house financing with a new look. HBFC Ltd. occupies a special place in the house finance business as it has all along catered to the needs of the lower and lower-middle income groups whereas the commercial banks have targets of high profile clients. Commercial Banks have a large negative list of locations as well as professions. HBFC Ltd., on the other hand does not maintain any negative list of locations or professions and it rather encourages applicants from lower income localities, as long as housing constructions are on valid land title and the client meets other minimum eligibility criteria. Presently nearly 85% of HBFC Ltd.s clientele is low-income people where loan amount is less than Rs.100, 000 whereas nearly 80% clients have per party loan below Rs.500, 000 and have monthly income between Rs3, 500 to Rs5, 000 and could only afford to pay an installment of Rs1000 to Rs1200 per month in 15 to 20 years besides meeting their monthly expenditure of basic necessities. For HBFC Ltd., its social role is an integral and inseparable part of its commercial stance. Since the beginning of the year 2005, HBFC Ltd. is striving for a new outlook with a new ideology. Consequently, it has changed its Vision to to be the prime housing finance institution of the country, providing affordable housing solutions to low and middle income groups of population by encouraging new constructions in Small & Medium Housing (SMH) sector. Its Mission is now to be a socially responsible and commercially sustainable housing finance institution http://www.hbfc.com.pk/default.asp?pgid=6

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INSTITUTIONAL RESOURCES: HOUSING AND WORKS BASED PROJECTS IN PAKISTAN

Community Development Program Community Development Program, a non-profit organization based in Shakardarra, Kohat is committed to providing essential necessities to the underprivileged people of the NWFP. Their goal is to improve the quality of life in the rural areas of this region through various projects including health, sanitation, and educational programs. A list of proposed projects, contact information on volunteering and donations are also available on this site. http://www.mycdp.org/ Lachi Poverty Reduction Project (LPRP) The Lachi Poverty Reduction Project (LPRP) is a continuation of the South Asia Poverty Alleviation Program (SAPAP), which seeks to replicate, in all SAARC member countries, the community based approach for poverty alleviation. Major focus areas of the program include social mobilization; human resource development; building rural infrastructure; providing micro credit to rural poor; and development of an arid zone natural resource management model. Photographs and reports about how the project's various activities have helped rural communities in the area and detailed contact information is available on this site. www.rspn.org/files/mo/lprp.htm Northern Area Development Project (NADP) The Northern Areas (NA) of Pakistan covers 72500 sq.km on Pakistan's Northeast frontier border. Diamer District one of the five districts of Northern Areas was created in 1972, and spreads over 14650 sq.km. It comprises of three subdivisions, Chilas (3500 sq.km) Darel/Tangir (3000 sq. km) and Astor (8150 sq.km). The Northern Area Development Project (NADP) covers Chilas and Darel/Tangir subdivisions of Diamer District. The NADP is a seven years community based multi sectoral rural development and poverty alleviation intervention. Its focus areas include agriculture and community development; institutional strengthening; livestock development; social forestry and range management; social infrastructure; the valley's roads and village infrastructure. This website provides further details of the project, a calendar of events and relevant contact information. http://www.ifad.org/english/operations/pi/pak/i453pk/index.htm
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Shahen Qabile Parmakh Thag (SQPTG) Established in 1984, Shahen Qabile Parmakh Thag (SQPTG) is welfare, humanitarian relief and development NGO working with the poorest communities in North Waziristan (FATA) Pakistan. It plans and implements longterm development programs to empower them through the equitable development of human and natural resources. Working with a network of community-based organizations, its focus areas include education, health, agriculture, population, environment, women empowerment and physical infrastructure development. http://www.sqptg.sdnpk.org/ Khidmat Foundation Based in Abbottabad, the Khidmat Foundation believes in participatory selfreliance for rural development. Targeting landless peasants, wage labourers, subsistence farmers, youth and women, it establishes Khidmat Centers in rural areas. These centers cater to on-the-job practical skills enhancement while participating in profit oriented micro-enterprises and intensive agriculture projects. Indigenous knowledge about plant nutrition; poverty alleviation and nutrition enhancement; rural development and low-cost construction is available on this information-rich site. http://www.khidmat.sdnpk.org Insaniyat Insaniyat is an NGO for the rural poor, established in Gujranwala in 1996. It aims to reduce poverty through sustainable agriculture and rural development in the areas of Gujranwala, Hafizabaad and Chakwal in the Punjab and mountains territories in NWFP and AJK. Special focus includes rural development activities; addressing problems of women; children and disadvantaged groups; good governance and special attention to human rights violations. This website provides an outline of its objectives, a photo gallery of its activities, its Board of Trustees, and detailed contact information. http://www.insaniyat.sdnpk.org/

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Health and Education Rural Association (HERA) The Health and Education Rural Association (HERA) is an NGO established in Jhang since 1997, working for poverty eradication in remote areas of Punjab. Its areas of focus include basic education; child rights; community development; adult education and empowerment; education; health and population welfare; integrated rural development; water and sanitation and public health. http://www.hera.sdnpk.org Falaahi Tanzeem Hasil This is one of the few websites which provides its contents entirely in Urdu. Hasil village's interesting history dates back to the 16th century. Falaahi Tanzeem Hasil was established in 1978 to work within the community for the basic amenities of life, like clean drinking water and sanitation facilities, roads, hospitals, electricity and schools. The society's activities to improve the quality of life of the residents are outlined in this site, together with relevant contact information. http://www.hasil.sdnpk.org/ Area Development Programme Balochistan (ADPB) Description: The Area Development Programme has been launched in eight districts of Balochistan, namely Quetta, Pishin, Killa Saifullah, Loralai, Musa Khel, Mastung, Kalat and Khuzdar. All these districts are located in upland Balochistan, and constitute 25% of the province's total land mass and 42% of the population. The programme's objectives include increasing the province's economic activity and human resource development; arresting rural environmental degradation and restoring it to sustainable levels; and promoting village communities' proactive involvement in economic growth. According to the 1998 census, Balochistan has an estimated 6.5 million inhabitants, and its economy is dominated by agriculture, livestock and fisheries. A fledgling industry includes handicrafts, embroidery, and wool and leather products. Unexploited mineral reserves of coal, marble, baryte, chromite, fluorite, iron, copper and gold require proper infrastructure to yield dividends. This website provides details of ADPB's activities, from social and gender mobilization; horticulture; and livestock to range management and more, together with relevant contact information. http://www.adpb.sdnpk.org/

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Thal Welfare Organization (TWO) Thal Welfare Organization (TWO) is a rural development organization working in district Layyah of southern Punjab. This website outlines its introduction and objectives. An overview of the various health activities is presented here; including a women's skill enhancement center, agriculture extension services and a resource center for the rural community provided by the organization. Future plans and relevant contact information is also available on this site. http://www.thal.sdnpk.org/ Sindh Society The Sindh Society for Research and Development (Sindh Society) is based in Sindh. This website provides mailing lists forums and links to local development organizations. It presents an overview of initiatives undertaken in the region in the fields of agriculture, economy, health, heritage and politics. An online feedback form is also available online for comments. http://www.geocities.com/sindhsociety Frontier Resource Center (FRC) Frontier Resource Center (FRC) aims to enhance the capacity of NGOs & CBOs in NWFP through its various programmatic interventions that include Information - collection & dissemination; Training; Research & Documentation; and establishing functional Networks & Linkages. The site includes extensive information on FRC's programme, research documents, publications and its training schedule for the partner CBOs and NGOs. Besides listing the library books, the site offers a glimpse to its exclusive data-base directory of CBO's and NGOs of the province. Another feature of the site is its directory of the resource persons. http://www.frc.sdnpk.org/ Environmental Protection Society (EPS) Founded in 1991, Environmental Protection Society (EPS) is a non-profit and non-ethnic organization concerned with the physical, social & cultural environment of the Swat District. The site carries valuable information about the mission, vision, structure, working strategy and objectives of the organisation. Besides information on the history of Swat, the site brings a comprehensive list of CBOs working in Malakand Division. Publications and Newsletter of EPS can also be viewed on this site.
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http://www.eps-swat.org/ International Water Management Institute (IWMI), Pakistan The International Water Management Institute is a scientific research organization focusing on the use of water in agriculture and on the water needs of developing countries. IWMI has ongoing research and development projects in Pakistan since 1986. The central thrust of the Pakistan program is to implement IWMI's mission in a local context. Details about their major projects on this website are: Institutional Reforms in the Irrigation Sector; Decision Support for Irrigation Canal Management; Water Markets in Irrigated Agriculture of Pakistan; Salinity, Drainage and Groundwater Management, and On-Farm Water Management: Evaluation of Bed and Furrow Irrigation Methods. A list of IWMI's national and international partners in Pakistan is also accessible here. http://www.iwmi.cgiar.org/Publications/Pakistan_Reports/index.aspx Thardeep Rural Development Programme (TRDP) An information rich website, with a comprehensive introduction to TRDP, outlining its operational objectives and areas of influence. Details of its historical perspective, mission statement, organizational structure, ten major programmes and partners, various publications and reports, and necessary contact information is also available online. http://www.thardeep.org/ Human Resources Management and Development Centre (HRMDC) Human Resources Management and Development Centre (HRMDC) is a NonGovernmental Organization established in 1994. Its vision is to evolve peoplecentered development through training, research, community development and networking in the North West Frontier Province, Pakistan. The site carries some worthy information about HRMC's initiative like Paper Recycling, communitybased primary education, research, networking and various training programmes for the governmental and non-governmental organizations. www.hrmdc.sdnpk.org/

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Thread Net Hunza A project of the Karakoram Area Development Organization (KADO), a nonprofit community-based organization working to promote sustainable development of mountain areas in northern Pakistan. Comprising embroidery, carpets, traditional goat/yak hair rugs (Sharma), wood carvings, musical instruments and fabrics in traditional motifs and designs, the project aims to transform local crafts into globally marketable products and claims to generate work and income for about 2000 women producers. The website is linked to the 'Pan Asia' website (www.panasia.org.sg) which contains the images of these products and from where mail orders can be placed for them. www.threadnethunza.com.pk

Pakistan Housing Authority Pakistan Housing Authority (PHA) is a subsidiary of Ministry of Housing & Works. The website offers comprehensive information on its housing schemes, containing the locations, sizes of plots, their prices, procedure for overseas Pakistanis, various bank branches, their names and addresses. An application form can also be downloaded. It is an extremely useful information centre for anybody interested in participating in PHA's schemes. http://www.pha.gov.pk/

Asian Development Bank: Pakistan This section of ADB's website contains information about its operations in Pakistan in addition to some general development information about the country, details of the projects and latest news about them. List of publications, depository libraries and related links are also available. Some useful documents in the pdf format can be downloaded from the site. http://www.adb.org/Pakistan/default.asp

Global Eco Village Network - Pakistan The site consists of brief information pertaining to Sindh Development Studies Centre (SDSC), The Left Bank Outfall Project, Sindh Agricultural & Forestry Workers Co-operative Organization (SAFWCO), Rural Women's Welfare Organization, and Guards of Environment and Nature (GE&N). http://www.gaia.org/secretariats/genoceania/index.html
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Matching Grants Programme in Punjab Province The Matching Grants Programme was initiated in 1981-82 with a view to develop the physical infrastructure in small towns and villages. It aimed at eliciting the support of the local population and their participation in the development process. It is a multi-faceted undertaking with investments in a variety of types of physical infrastructure. http://www.hsd.ait.ac.th/bestprac/matching.htm Pakistan Junior Chamber The Pakistan Junior Chamber is an organization for young people between the ages of 18-40. PJC is affiliated to Junior Chamber International. The site briefly outlines the opportunities that PJC provides in different areas. Links to JC Europe Jaycees International home page are located on the site. It also lists down the major projects of PJC. http://www.tpcg.com/jaycees/

Humdard Welfare Society Humdard Welfare Society is a CBO (Community Based Organization), nongovernmental, non-political and non-religious organization established in October 1996. The basic aim of the society is to support & promote the community development at grass root level. The site outlines the objectives, achievements and future plans of the Society in their respective links. http://Hamdard.hypermart.net/ Urban Resource Centre The Urban Resource Centre (URC) was established in January 1989 by students and interested faculty members at the Department of Architecture Planning (DAP) at the Dawood College in Karachi and staff members of the Orangi Pilot Project (OPP). The original aim of the URC was to provide a forum where students and graduates from the DAP could continue their involvement and interest in the urban issues of Karachi in particular and Pakistan in general. URC prepares a monthly bulletin "facts and figures" from newspaper clippings and from any other literature that may be developed on Karachi from time to time. Besides these, URC shares information with several NGOs and CBOs on a number of their problematic issues, such as, unemployment, sanitation, education, regularization of their settlements, funds for their community level
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activity and lobbying with government to address their neighborhood problems. In URC's web site the surfer can find all the material related to its background, activities, different projects and a list of publications available at URC. www.urckarachi.org

Urban Management Consortium The Consortium aims to strengthen the capacity of governments, NGOs and communities to achieve the better, planning, implementation and management of development policies, programmes and projects within the urban milieu. The site points out the work being done by the Water, Engineering and Development Centre (WEDC) of Loughborough University, with respect to Pakistan. http://info.lut.ac.uk/cgi-bin/AT-wedcsearch.cgi?search=Pakistan

Small Grants Programme Arranged categorically into tabular form, the site provides details of the small grant programme relating to Asia and Pacific in terms of Grant, Grant Recipient, Operational Programme and Period specifically. http://www.undp.org/gef/sgp/sgpasia.htm

South Asia Sub-Regional Resource Facility The South Asia Sub-Regional Resource Facility, based in Islamabad, is an information and technical resource facility providing services to nine country offices, as well as to other development partners in the sub-region while having a regional focus on governance in the area of technical backstopping and the dissemination of best practices. For the questions of the sort who, what and how, linkages are inserted providing whatever may ask for specifically. http://www.surfsouthasia.org/

DFID - Publications The site maintains published reports regarding the DFID projects in Pakistan. http://www.dfid.gov.uk/dfidaroundworld/asia/pakistan.htm

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Pakistan Institute of National development (PIND) Pakistan Institute of National Development (PIND), a non profit making, non political and non government voluntary organization was established in September 1991 to work as facilitator for implementation of nation building programmes of the government or the donor agencies for national integration. After a brief introduction, netter can learn about the aims, objectives, strategy, activities etc. of PIND. http://www.geocities.com/RainForest/Vines/4813/intro.htm

Strengthening Participatory Organizations (SPO) The organizational setup and history of the Strengthening Participatory Organizations (SPO) is outlined on this website. Projects undertaken at its various offices include development planning and management; capacity building; women's emancipation; participatory development coalitions; project funding and special village education programmes. SPO's success stories; its Learning Information System (LIS); Development Resource Centre (DRC); database of support organizations; employment opportunities and contact information are also available online. http://www.spopk.org/

ASIANICS International, Pakistan ASIANICS inspires to improve standard of living of rural masses through agriculture and rural development in Pakistan and other developing countries. ASIANICS works in close cooperation with academia, government and people in providing technical assistance on development projects to eliminate backwardness and poverty. http://asianics.sdnpk.org/ Earthquake Reconstruction and Rehabilitation Authority (ERRA) Earthquake reconstruction and rehabilitation Authority (ERRA) is established to rebuild, revive with dignity and hope. Its mission is to plan, coordinate, monitor and regulate reconstruction & rehabilitation activities in earthquake affected areas, encouraging self reliance via private public partnership and community participation, ensuring financial transparencies.

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This site has different links of reconstruction sectors like housing, education, health care, livelihood, transportation, agriculture and livestock, environmental, power generation, protection/vulnerable group, water supply and sanitation, industries and tourism, traditional relief, telecommunication and governance. It also provides maps and guidelines. ERRA not only provide earthquake news, but also have weather updates.

http://www.islamicrelief.org.pk/http://www.erra.gov.pk/WebForms/home.aspx

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INFORMATIONAL RESOURCES
Fundamental Rights And Principles Of Policy, Constitution Of Pakistan The Fundamental Rights and Principles of Policy as envisaged in first two chapters of the country reflect the states role to provide basic necessities of life, such as food, clothing, housing, education and medical relief, for all such citizens, irrespective of sex, caste, creed or race, as are permanently or temporarily unable to earn their livelihood on account of infirmity, sickness or unemployment; in addition to various economic, social, cultural and political rights of the citizens. http://www.pakistani.org/pakistan/constitution/part2.ch2.html PAKISTAN SOCIAL AND LIVING STANDARDS MEASUREMENT SURVEY (PSLM) 2006-07, ISLAMABAD: FEDERAL BUREAU OF STATISTICS. The Pakistan Social and Living Standards Measurement Survey is one of the main mechanisms for monitoring the implementation of the MDGs and PRSP. It provides a set of representative, population-based estimates of social indicators and their progress under MDGs and PRSP. These include intermediate as well as output measures, which assess what is being provided by the social sectors enrolment rates in education, for example. They include a range of outcome measures, which assess the welfare of the population Immunisation Rate, for example. An important objective of the PSLM Survey is to try to establish what is the distributional impact of different government programs carried out in Social Sector. Policymakers need to know, for example, whether the poor have benefited from the programme or whether increased government expenditure on the social sectors has been captured by the better off. In the remainder of this introduction, a description of the 2006-07 PSLM Survey is provided. In the following chapters, data relating education, health, household assets / amenities, immunisation, pre and postnatal care and satisfaction of services is given. http://www.statpak.gov.pk/depts/fbs/statistics/pslm2006_07/conten ts_tables_figures.pdf UNITED NATIONS DECLARATION FOR HUMAN RIGHTS Article 26 of the UNDHR, adopted and proclaimed by General Assembly resolution 217 A (III) of 10 December 1948, recognizes the RIGHT TO EDUCATION as one of the basic rights and therefore expects that all member states provide free elementary education to all citizens which shall be directed to
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the full development of the human personality and to the strengthening of respect for human rights and fundamental freedoms. http://www.un.org/Overview/rights.html

INTERNATIONAL RIGHTS

COVENANT

OF

ECONOMIC,

SOCIAL

AND

HUMAN

The right to housing is explicitly recognized as a basic human right among a wide range of international instruments. As one of the facets of an adequate standard of living, it is stipulated in the Universal Declaration of Human Rights (UDHR) and the International Covenant of Economic, Social and Cultural Rights (ICESCR). This right is applicable to all persons regardless of nationality or legal status. The most complete provision for the right to adequate housing is mentioned in article 11, paragraph 1 of the ICESCR, which states: The States Parties to the present Covenant recognize the right of everyone to an adequate standard of living for himself and his family, including adequate food, clothing and housing and to the continuous improvement of living conditions. The State Parties will take appropriate steps to ensure the realization of this right, recognizing to this effect the essential importance of international cooperation based on free consent. http://www.unhchr.ch/html/menu3/b/a_cescr.htm

Convention on the Elimination of All Forms of Discrimination against Women, CEDAW, (1979) Article 14.2 (h) of the Convention on the Elimination of All Forms of Discrimination against Women (1979) states that: States Parties shall undertake all appropriate measures to eliminate discrimination against women in rural areas in order to ensure, on a basis of equality of men and women, that they participate in and benefit from rural development and, in particular, shall ensure to such women the right(h) to enjoy adequate living conditions, particularly in relation to housing, sanitation, electricity and water supply, transport and communications. http://www.picum.org/HOUSING/Housing_Right1.htm
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CONVENTION ON THE RIGHTS OF THE CHILD, CRC Article 16.1 of the Convention on the Rights of the Child (1989) states that: No child shall be subjected to arbitrary or unlawful interference with his or her privacy, family, home or correspondence, nor to unlawful attacks on his or her honour and reputation. Article 27.3 further states that: States Parties, in accordance with national conditions and within their means, shall take appropriate measures to assist parents and others responsible for the child to implement this right and shall in the case of need provide material assistance and support programmes, particularly with regard to nutrition, clothing and housing. Article 5 (e) (iii) of the International Convention on the Elimination of All Forms of Racial Discrimination (1965) obliges States: to prohibit and eliminate racial discrimination in all of its forms and to guarantee the right of everyone, without distinction as to race, colour, or national or ethnic origin, to equality before the law, notably in the enjoyment of(e)(iii) the right to housing The Council of Europes European Social Charter (Art. 31) clearly states that with a view to ensuring the effective exercise of the right to housing, member states undertake to take measures designed: 1. To promote access to housing to an adequate standard; 2. To prevent and reduce homelessness with a view to its gradual elimination; 3. To make the price of housing accessible to those without adequate resources The position at the Council of Europe level is more limited than in the other international conventions mentioned because the revised European Social Charter only protects the right to housing of nationals of other Contracting State Parties. However, the right to be free from degrading treatment in Article 3 of the European Convention on Human Rights (ECHR) and the right to private and family life, home and correspondence in Article 8 of the ECHR might also be invoked to protect undocumented migrants from intolerable housing conditions. http://www2.ohchr.org/english/law/crc.htm
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Federal Bureau of Statistics Federal Bureau of Statistics (FBS) is an attached department of Statistics Division. It is Pakistan's official statistical organization. It assists and encourages informed decision-making, research and discussion within governments and the community, by providing a high quality, objective and responsive national statistical service. FBS compiles statistics from many sources and produces global updates, including the Statistical Yearbook , Pakistan Statistics Handbook and yearbooks in specialized fields of statistics http://www.statpak.gov.pk/depts/index.html Population Census Organisation, PCO The census organization was established in 1950 as a part and parcel of Ministry of Home Affairs and first three censuses were conducted by this organization while working under that Ministry. After 1972 Census, Census Organization was established on a permanent footing and was made an attached department of Ministry of Interior, so as to maintain expertise, experience and continuity which used to be lost after every census as was the case in 1951 and 1961. With the creation of Registration organization in 1973, as an attached department of Ministry of Interior and also headed by Census Commissioner, both the departments were merged in 1976 to be called Census & Registration Organization. In March 1978, the Census & Registration Organization was split into two separate departments and Population Census Organization was placed under the Statistics Division which remains as such thereafter. The main functions of PCO are as under: 1. 2. 3. 4. 5. 6. 7. Planning and execution of decennial Population & Housing Census. Processing and dissemination of data in the form of Census Reports. Analysis of census data and demographic research. Evaluations of census results. Intercensal sample studies/surveys in related areas. Supply of census data to the data users. Tabulation of data to meet specific demand of data users.

The Census (Population & Housing) is a Federal subject as listed at Sl. NO. 38, of Federal Legislation list, Part-1, Fourth Schedule, Constitution of Pakistan. The seats in the National Assembly are allocated to each Province/FATA and Federal Territory on the basis of the Population in accordance with the last proceeding census officially published. Article-51(3) of the Constitution Further distribution of funds between the Federation and the Provinces are made through National Finance Commission. Article-160(2) speaks about the formation of the National Finance Commission which also uses census figures.

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The quota for recruitment to Federal posts is worked out on the basis of Population ratios as given by the census. Establishment Divisions O.M.No. 8/9/72, TRV, dated 31st August, 1973, refers in this regard. The census is undertaken with the legal cover of Census Ordinance, 1959 amended. There are two approaches of census enumeration: (a) De-jure in which persons are counted at their usual place of residence (b) De-fecto in which persons are counted where they are found on the census data. In 1998 census both the approaches were applied simultaneously during enumeration, but the data was tabulated on de-jure basis. In addition to various Population statistics, following set of Housing statistics are accessible on the website of PCO: Housing Housing Housing Housing Used Housing Indicators, 1998-Census Units by Number of Rooms and Type Units by Construction Material Units by Source of Drinking Water, Lighting and Cooking Fuel Units by Kitchen, Bathroom and Latrine Facilities

http://www.statpak.gov.pk/depts/pco/statistics/statistics.html#housing

Pakistans Housing Policy A few salient features of the housing policy is as under: Policy Measures - Low Income, Low Cost & Rural Housing All new construction of houses on plots measuring upto 150 sq.yds. & flats / apartments having an area of 1000 sft shall be exempt from all types of taxes for a period of 5 years. Land for housing schemes shall be provided to development agencies and private sector builders and developers on concessionary rates subject to the condition that proportionate subsidy is passed on to the target group . Housing loaning agencies and companies shall provide standard and cost effective designs and plans to the prospective home builders. POLICY MEASURES - RURAL HOUSING To promote rural housing the Provincial Governments shall examine the possibility of granting proprietary rights to individuals and families residing in houses constructed on shamlat deh and state land .
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Subsidized micro loaning facilities shall be extended for construction and improvements through micro-financing institutions like Khushhali Bank, Zakat funds, etc.

rural housing systems and

4. The role of local bodies in planning, determining needs and preparing action plans to mitigate the housing shortages shall be effectively defined including resource mobilization at the local level 5. Construction clinics shall be established in rural areas to provide guidance and advice for cost effective, durable and environment friendly construction. For details refer to: http://www.pakistan.gov.pk/divisions/ContentInfo.jsp?DivID=26&cPath=276_58 2&ContentID=3844 Victoria Housing Victoria Housing services is a private limited concern formed to undertake and float housing schemes, act as Project Advisors and build houses for and on behalf of clients/customers in all major cities of Pakistan and abroad. Victoria is working on a Vision for Tomorrow. Its mission is to provide healthy, peaceful homes and complete peace of mind through the provision of the basic necessities of life with ease and excellence. Only a well-built house is not enough- Victoria Housing does not aim only to run a business and earn profit, it aims to provide both social and mental peace to people while conforming to the words of Phillip Moffitt: A House is a home when it shelters the body and comforts the soul. http://www.victoriahousing.pk/About_Victoria_Housing.htm NGO major group discussion paper on WATER, SANITATION AND HUMAN SETTLEMENTS, This paper was written based on contributions from the wider NGO community, in response to a call for information sent out by the NGO Major Group Focal Points. December 2003.

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