Annual

Progress
Report
2010
 Looking back on the past
FOREWORD year operations of NRDP in
the field of development
there is visibly an amazing
growth of organization both
in terms of program
outreach and institutional
strengthening.

Our experience confirms

that social and economic
development process must
take into consideration
people’s awareness,
understanding and
acceptance. Strategies need
to be identified, designed,
executed and evaluated by the poor themselves based on their own needs
and perceptions. Participation of the deprived ones is an essential feature of
the development process.

With the main goal of economic and social empowerment of underprivileged

women and betterment of the poorer section of the society, interventions in
the field of micro credit, education, health, training and capacity building
have helped the poorer of communities their anxieties and gain more
confidence in changing their fates collectively.

Heartiest thanks for entire moral and financial support of our partners and
NRDP team for the effective implementation & completion of the job. There
vast experience, consistent encouragement and careful supervision guided
us through the exercise.

We are indebted to the great cooperation and help of our partner

communities and CDO members for their commitment and enthusiasm for
the successful implementation and participation, timely feed back and
commitment with development & empowerment of rural poor communities.
We especially thank for the cooperation and guidance of our partners
especially Pakistan Poverty Alleviation Fund (PPAF).

We are grateful to all NRDP team members and volunteers for participation
and moral support for the achievement of the results.

Mirza Moqeem Baig

Executive Director

01
 AF Asia Foundation
ACSM Advocacy Communication & Social Mobilization
ACRONYMS AJK
AUS-Aid
Azad Jammu Kashmir
Australian Aid
BHU Basic Health Unit
CHC Community Health Center
CDOs Community Development Organizations
CMST Community Management Skills Trainings
CSOs Civil Society Organizations
DCO District Coordination Officer
DHQ District Head Quarter
DRM Disaster Risk Management
EDO Executive District Officer
GBHS Government Boys High School
GLAs Government Line Agencies
GPS Government Primary School
HCs Health Committees
HID Human & Intuitional Development
INGO's International Non-Governmental Organizations
LHVs Lady Health Visitors
LMSTs Leadership Management Skill Trainings
M&E Monitoring and Evaluation
MPA Member Provincial Assembly
NDMA National Disaster Management Authority
NGOs Non Government Organizations
NRDP Narowal Rural Development Program
PPAF Pakistan Poverty Alleviation Fund
PRA Participatory Rural Appraisal
RMCs Risk Management Committee
WSHG Women Self Help Groups
SMC's School Management Committee
SOPT Social Organization Primary Training
SWD Social Welfare Department
TBAs Traditional Birth Attendance
UC Union Council
VLC Village level Committee
VAW Violence Against Women
VDPs Village Development Plans
WSG Women Support Groups

02
 1.1 Introduction 04
GOOD GOVERNANCE IS WHAT WE WERE WAITING FOR
2.1 Social Mobilization 07
2.1.1 Institutional Development 09
2.1.2 Community Development Planning 09
2.1.3 Accountability 10
2.1.4 Linkages 10
ERADICATE EXTREME POVERTY & HUNGER
CONTENTS 2.2 Micro Credit & Enterprise Development 11
2.2.1 Micro Credit Program’s Executing Methodology 11
2.2.2 Capacity Building 12
2.2.3 Marketing 13
2.3.4 Gender Impacts 13
2.3.5 Loan Disbursed 13
2.3.6 Networking and Linkages Development 14
IMPROVE MATERNAL HEALTH & REDUCE CHILD MORTALITY
3.1 Health 17
3.1.1 Establishment of Service Delivery Outlet 17
3.1.2 Raising Awareness 18
3.1.3 Improve Health & Hygiene 18
3.1.4 Advocacy/Achievements 20
ACHIEVE UNIVERSAL PRIMARY EDUCATION
4.1 Education 21
4.1.1 Community Model Schools 21
4.1.2 Establishment of Child Referral Units 22
4.1.3 Awareness Raising/Capacity Building 22
4.1.4 Coordination and advocacy 22
4.1.5 Non Formal Education 24
4.1.6 Environmental Education 24
PROMOTE GENDER EQUALITY & EMPOWER WOMEN
4.2. Human Rights 26
4.2.1 Combat Violence against Women 26
4.2.2 Campaigning and Capacity Building on Rights 26
4.2.3 Establishment & Strengthen of WSGs 27
4.2.4 Public Meetings 28
4.2.5 Interactive Theaters 28
4.2.6 Networking & Linkage 29
4.2.7 Advocacy 29
COMMUNITY DRIVEN DEVELOPMENT
5.1. Communiity Driven Development 30
5.1.1 Services Provided 30
5.1.2 Linkages & Self initiative 31
5.1.3 Sport‐for‐Community Development 32
5.1.4 Planning & Review 32
DISASTER RISK MANAGEMENT
6.1 Disaster 33
6.1.1 Raising Awareness 33
6.1.2 Planning and Strengthening 33
6.1.3 Capacity Building 34
6.1.4 Relief/Aids 34
INSTITUTIONAL SUPPORT MECHANISMS
7.1 Human and Institutional Development 35
7.2 Planning, Monitoring, Evaluation & Research 37
REVIEW 2010 38
FINANCIAL STATEMENT 41

03
 INTRODUCTION
WE SAW CHANGE & WE THOUGHT OF US………

Narowal Rural Development Program (NRDP) is a non-government,

non-profit & non-political organization working in the remotest areas of
Narowal district (Punjab) Pakistan for the social and economic uplift of
deprived, neglected, oppressed communities above the caste, creed,
religion and other group boundaries. Organization was originated in 1992 by
a group of volunteers and registered in 1995 under Reg. & Control
Ordinance 1961.

Transforming the cherished dream of sustainable development seems to be

an uphill task, but NRDP experience shows that this gigantic goal can be
triumphantly achieved by mobilizing the local human resources and build up
their capacity to solve their socio-economic and tangible problems
collectively. In the vicissitude of life, people find themselves stuck up in a
blind alley when one does not have any way out, a sincere helping hand can
be a silver lining in such odd circumstances which can help to resolve ones
problems however greater in magnitude they may be. NRDP believes that
the real development can only be acquired by building up the capacity of
people for collective action at the grass root level to overcome their social
and economic problems. The main concentration is on ensuring the
empowerment of people for self reliance.

NRDP has experienced a number of cases where women rose to the

occasion and shared the burden of their families. It has been observed that
a number of women working as a group can increase the efficiency of
development activities by mobilizing local resources and skills.

The effort on the part of NRDP to involve communities in a process of

development through mobilization, capacity building and empowerment will
lead to achieve the long term goal of sustainable development through
capacity building of the communities and make them reliant in overcoming
their problems.

NRDP has initiated number of programs/projects aimed at the economic,

social and political empowerment on sustainable basis of the disadvantaged
sections of the society during 2010.

04
NRDP programme comprises the following major themes:

1) Good Governance and Democratization.

2) Micro Credit and Enterprise Development for sustainable
Livelihoods.
3) Quality Education.
4) Health services.
5) Social Sector Development
6) Relief & Early Recovery for Flood victims.
7) Human and Institutional Development/HID.

Gender, communication, RM&E, human rights, advocacy and capacity

building are cross related and contribute to all Programme interventions.

Vision of NRDP: To create an environment where development

opportunities are available to all the people of the
area without any distinction of gender, creed and
religion

Mission of NRDP: Empowerment of low-income communities to

improve their quality of life on sustainable basis

Cross Cutting Themes: Values of NRDP:

• Gender equality
• Child and youth rights
• Inter-Faith Harmony
• Stakeholder participation
• Advocacy, Networking & linkages
• Sustainability
• Community Focused
• Humanity Benefiting
• Accountability and Transparency
• Trust and Commitment
• Creativity and Equity
• Goal orientation & Effectiveness

LOGO of NRDP: NRDP is a source of light in darkness. Darkness is

symbol of poverty. The light and lush green background symbolizes
prosperity. The background rural scene symbolizes the wish for the program
areas on the path of development.

Accounts and Audit System: Accounting system is based on

international recognized procedures & transparent. Our annual financial
audit is prepared by an independent chartered accounting firm and is readily
available for all upon request.

05
 Institutional Strengths:
• Experienced, local, proactive, dynamic management and staff
members.
• Creditability with partner organizations at the partners, community
and stake holder's level.
• Attachment with the cause: motivated and committed team
willingness to contribute to the promotion of women/community
empowerment, education, health & poverty alleviation particularly in
the far flung areas.
• Experience in managing women development & empowerment,
education, health, micro credit/ micro enterprise development and
livestock/agriculture programs in areas like Narowal and AJK.
• Effective and functional linkages and coordination with GOs and
NGOs.
• Well-established, transparent system and procedures (Financial,
Administrative, Program Level).
• Cost efficiency in managing community development programs.

These strengths certainly help and facilitate NRDP in the efficient and
effective implementation and management of programs.

Volunteers Working at Community Level:

345 Community Development Organizations (men 169 & women 176) with
7,120 members organized & trained by NRDP. These CDOs working at grass
root level for information dissemination, awareness raising, planning,
implementation, monitoring & evaluation, raising their family income and
enhancement of their livelihood.

ACKNOWLEDGEMENT & LINKAGES

• The Chief Minster of Punjab appointed NRDP’s BOD member as
“District Health Coordinator”
• The Govt. of Punjab appointed NRDP’s BOD member (NRDP
representative) as a member of “District Education Management
Committee”
• The Govt. of Punjab appointed NRDP’s Executive Director as Vice
Chairman of BOG Center of Excellent (Education sector) district
Narowal.
• The Punjab Vocational Training Council, Govt. of Punjab appointed
NRDP’s Executive Director as a “BOG member of Vocational Training
Institute” for 3 years.
• NRDP is a member of the following district level committees notify by
the government:
• 1. District Commission for child welfare & development
• 2. District Rehabilitation & Training committee
• 3. Member Advisory Committee of “Modern Children Home”

06
 2.1 SOCIAL MOBILIZATION
GOOD GOVERNANCE IS WHAT WE WERE WAITING FOR……

The social mobilization is the core sector of the organization. NRDP believes
that the concept of development can not be realized without establishing
institutions at grass roots level, which provides a platform to community, &
enriches with the sense of empowerment and let the process of their devel-
opment boost. NRDP has introduced the formation of CDO through Social
Mobilization which ensure their active participation in the process of devel-
opment.

NRDP considers the social mobilization a basic element in the effective

completion of any development project. That is why, before launching any
program or project, NRDP sensitizes and mobilize its target community so
that they can gather on a common platform and struggle to solve their socio-
economic problems on participatory basis. Once a community is completely
mobilized, NRDP leads the community towards the formation of Community
Development Organization. CDO is a representative organization of a village
which later on plays a vital role in social and economic development of the
village. After the CDO formation, NRDP holds different workshops and train-
ings to build the capacity of CDO.

NRDP Believes: Social Mobilization is an excellent approach that enables

community to organize for collective action, to resolve common problems
and work towards community development.

Objectives:
• To create critical consciousness &
Preception of social Mobilization organize communities for sustainable
development.
Method • Make village organizations devel-
Organiza opment oriented, sustainable and
Tool ial
responsive to local needs and priori-
c

tio
So

Community
Organization ties
• Motivation and organizing commu-
So nities to carry out development
cia n
l M o b ili z a t i o
through mutual self help and in part-
Process nership with government and non
government agencies.

07
 NRDP Social Mobilization Process & CDO Formation
Social Mobilization is a persistent process and NRDP believes that “social
mobilization” is an excellent approach that enables people to organize for
collective action, to resolve common problems and work towards community
development because poor people have limited sources and unable to
improve their socio economic status on individual basis. Therefore they have
needed a common platform where they can collectively identify their
problems and sources. Following are the steps involved in CDO formation:

• First Contact
• Community Meetings
• Community Participation and Problem identification through PRA.
• Community action planning
• CDO Formation
• Capacity building
• Development Awareness
• Resources Management
• Networking & Linkages

NRDP ensures the participation/representation of all population i.e.

profession, religions and sects in a community development organization
(CDO).

NRDP Working Methodology with CDO

NRDP
Other Dev.
MC&ED Education Health Women initiatives

CDO
MSGs/FSGs Others
Loan Groups SMCs/WECs & HMCs WSGs

08
Achievements:
• Till the period of June 2010, 345 CDOs (men 169 & women 176) with
6512 members established in 345 villages of 30 UCs.
• During the period, 74 women support groups (WSGs) with 883
members (428 men & 455 women) established at UC level.
• 09 School management committees established & strengthened with
87 members (46 men & 41 women) in 09 villages.
• One health management committees established & strengthened with
07 members
• These CDOs & WSGs playing great role for awareness raising,
information dissemination, community development and sustainable
livelihood.

2.1.1 Institutional Development:

Forty two villages have been covered through well being exercises; as a
result a total of 52 ultra poor and 84 poor households became members of
CDOs whereas 12 of these became members of the executive body. After the
process of SOPT, 60 CDOs (30 men, 30 women were established with its
outreach to 660 households including 180 poor and 215 ultra poor
households. The partaker became sensitized with NRDP's philosophy and the
worth of being organized on a single social platform.

CDOs are skilled to share on the whole social and development issues of the
village along with the self initiatives and prolific linkages they made with
GLA's and NGO's. Trained members of CDO's are now able to develop
linkages with other organizations, resolve their local issues and update CDOs
records. Indeed the women folk in CDOs and committees become more
spoken to convey their concerns about various issues in the village or in the
CDO's. The CDOs activists are capacitated and able to manage the
community conflicts within the CDO and village.

2.1.2 Community development planning:

July 2009 till June 2010 Twenty seven VDP's were developed. The members
of social welfare and selected public departments' officials partaken in the
preparation of the VDPs which has been used for apparent scheduling and
development of their areas.

09
 It is understandable from the VDP review process that written detailed
planning of VDP, many villages have established and upsurge linkages with
Government Authorities, NGO's and even with the prominent elected
representatives of the concerned constituency for solving village level issues
regarding infrastructure & community development.
Various village level issues were solved and others are in process whereas
emerging issues/problems are becoming part of the VDP and in proceeding.

2.1.3 Accountability:
Five Village level Accountability forums were held by the CDOs where the
main focus of the forums was to review the performance of CDOs and its
future strategy. At the end of the meeting a work plan was prepared by
keeping in view the problems of the area and by separating responsibilities
among the community members and defining suitable time line for solving
those issues affably.

2.1.4 Linkages:
NRDP’s partner community organizations are taking self development
initiatives on regular basis resulting in the strengthening of grass root
institutions and contributing to community and village level development.

THINK WORK FOR

SUSTAINABLE CHANGE
10
 2.2 MICRO CREDIT & ENTERPRIZED DEVELOPMENT
“Eradicate Extreme Poverty and Hunger”
NRDP is empowering marginalized, deprived,
ERADICATE EXTREME POVERTY

neglected, oppressed and poorest sections

of the society through Micro Credit & Enter-
prise Development program since 1998 at
& HUNGER Narowal district. Micro credit program plays a
vital role in reducing poverty of the distressed
people. Credit helps investment and creates
self-employment resultantly enhance capital
and ensure future protection. We believe poverty is a multidimensional and
complex phenomenon. The problem requires an integrated approach to be
resolved. To visualize this scenario NRDP initiated micro credit & enterprise
development program to uplift the social and economic status of marginal-
ized, deprived, neglected, oppressed and poorest communities without any
distinction of male and female. Micro credit serves as a viable option for the
poor community to have credit facilities to develop small-scale business
opportunities to improve their livelihood. Effective provisions of the micro
credit definitely stimulate the uplift of the poor, and serve an efficient mean in
reducing poverty dilemma. Micro Credit and enterprise development
program is implemented thorough strong process of social mobilization.
Without community involvement and participation, development initiatives
either in the economic or social sector have little chance of success especially
at grassroots level, where majority of the population resides. NRDP believes
that only social mobilization is not enough to materialize a change in lives of
rural poor. Through the years of the experience NRDP learnt that credit could
be valuable input to better lives of the poor.

NRDP has started Micro credit & Enterprise Development operations in 1998
with the financial and moral support of “The Asia Foundation” and later on it
was continued with the support of OXFAM, AUS-AID, CRS & PPAF. NRDP has
started its journey to serve the financial services at grass root level from 1
village and now reached the figure of 42 villages among 18 union councils of
Narowal district under a group lending/support methodology to establish
micro-enterprises. NRDP has been working on micro credit & enterprise
development program with PPAF since 2004; total Rs. 105,500,500/-
disbursed to 6,745 men &women community members for enterprise devel-
opment. During the year 2009-2010 NRDP disbursed Rs. 29,500,000/- to 1538
community members.

2.2.1 Micro Credit Program’s Executing Methodology

• Area identification and area/poverty profile
• Problem Identification through PRA
• Contact meetings and identification of activists
• Introduction of NRDP programs
• Formation of Community Development Organization
• Capacity building of CDOs
• Potential client identification
• Loan group formation
• Orientation training of loan groups on MF program
• Client screening and Credit appraisal
• Counter check of credit appraisals
• Approval by credit committee
• Loan disbursement
• Loan monitoring
• Loan recovery
• Impact Assessment

11
 Acknowledgement & Awards
• NRDP has awarded “MEDAL” due to Best performance in Social Sector
from District GOVT. Narowal on 14th August, 2005
• NRDP’s Client (M C & E D) has awarded as Regional “Best Rural Micro
entrepreneurship Award 2006” Rs.100,000/- by citigroup & PPAF
• NRDP’s Client (M C & E D) awarded Regional “Best Rural Micro
entrepreneurship Award 2007” Rs. 75,000/- by citigroup & PPA
• NRDP’s Client (M C & E D) awarded Regional “Best Rural Micro
entrepreneurship Award 2008” Rs.83,000/- and Innovative Approach
Award of Rs. 25,000/- by citigroup & PPAF

2.2.2 Capacity Building

During 2010 NRDP organized multiple
training sessions to capacitate the
women entrepreneur. 42 women from
42 villages of District Narowal were
selected for skill up gradation. Training
e.g. dairy products, poultry & live stock
enhancement conducted by HID
center. The women were capacitated
on Different entrepreneur skills. A
group of differently able persons were
formed who had no personal source of
income and 14 days joint skill training
on Chick Making was organized, in
which 7 men and 5 women participated. The purpose of this training was to
enhance the skills of these people so that they could earn a decent living by
utilizing their own capabilities and skills.

NRDP believes that Women are the most poor and deprived section of the
society. To eradicate extreme poverty 20 differently-able women from
remotest rural area were trained in Tailoring and embroidery. These trained
women are now a productive part of the society, and economically
empowered.

12
2.2.3 Marketing:
Partner women and men are trained & linked in marketing their products
through various marketing channels. However NRDP promote the making of
women through different program. During
2010 NRDP instigated two exhibitions
focusing upon women embroidery and
tailoring products e.g Representative of
GLAs , Trade unions and general public were
invited . Govt representative and traders
encouraged the work. Plenty of samples
were approved by traders and exporters
because of the quality work and produced in
profitable orders and recognition of their skill
at the National and international level.
2.3.4 Gender Impacts:
Women's control over their earnings leads to their economic independence
but it also impacts and paves the way for their enhanced roles in decision
making at household and community levels and ensures increased mobility.
For this purpose women are trained to become Independent Business
Groups and are facilitated to market their products. Indicating enhanced
women capacity to manage their income independently ED go on in facing
challenges to motivate women to open their own account to deposit their
income earned through the production. 2010 showed a considerable
increased of women account in District Narowal.

2.3.5 Loan Disbursement:

NRDP has disbursed small loans under micro credit and enterprise
development program to small entrepreneur for the development of micro
enterprises from July 2009 to June 2010 is as below;

Women Men Total

Sr.# Sector # of Loan Amount # of Loan Amount Total # of Loan Total Amount

1 Agriculture 137 2,015,000 61 1,075,000 198 3,090,000

2 Livestock 679 13,880,000 134 2,597,000 813 16,477,000

3 Commerce 202 3,595,000 325 6,338,000 527 9,933,000

Total 1,018 19,490,000 520 10,010,000 1,538 29,500,000

SECTOR WISE & GENDERWISE LOAN DISBURSEMENT

Sector Wise Loan July 2009-June 2010 Gender wise Disbursement July 2009-June 2010
56% 13,880,000

34%
6,338,000

3,595,000
2,597,000
10% 2,015,000 1,075,000

137 679 202 61 134 325

# of Loan Amount # of Loan Amount

Women Men
Agriculture Livestock Commerce Agriculture Livestock Commerce

13
 42%
Gender Men
wise
Disbursement 58% Women

Loan Disbursement since inception till June 2010

Women Men Total

Sr.# Sector # of Loan Amount # of Loan Amount Total # of Loan Total Amount

1 Agriculture 390 5,576,000 410 5,291,000 800 10,867,000

2 Livestock 2,662 44,625,000 689 10,242,000 3,351 54,867,000

3 Commerce 720 10,792,000 1,874 28,974,000 2,594 39,766,000

Total 3,772 60,993,000 2,973 44,507,000 6,745 105,500,000

Gender wise Disbursement Disbursment Growth Chart

35,000,000
Since Inception till June 2010
30,000,000

22,000,000
44,625,000

28,974,000 18,000,000

12,000,000
10,792,000
10,242,000

5,576,000 5,291,000
6,000,000

Amount Amount
Women Men

Agriculture Livestock Commerce 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10

2.3.6 Networking and Linkages:

ED’s major focus remains to help partner women and men produce quality
products and link them with profitable market thus paving the way for their
economic empowerment. NRDP connected the EPs to different buying and
selling markets.
NRDP developed effectual link with PDDC to provide technical assistance to
dairy entrepreneurs. Due to technical assistance by PDDC there is significant
augment in dairy products.
Chik Makers from UC Jassar were linked to Southern Punjab, Sindh and KPK
markets; to increase the volume of production. The consumption volume of
Chiks is high in these areas because the people use these Chiks for roof sealing
and mostly for transitory houses particularly the consumption volume is so high
in Sindh and KPK. Mohammad Shehbaz used to work in a Football
manufacturing factory in Sialkot as a football receiving clerk, & used to earn
hardly Rs.3, 500/- per month. He was not satisfied with this meager income.
Shehbaz wanted to establish a small shop in his locality, having scarce
resources; it was not possible for him to start.

14
 Breaking Clutches of Poverty

CASE STUDY Mohammad Shehbaz used

to work in a Football
manufacturing factory in
Sialkot as a football
receiving clerk, & used to
earn hardly Rs.3, 500/- per
month. He was not
satisfied with this meager
income. Shehbaz wanted
to establish a small shop in
his locality, having scarce
resources; it was not
possible for him to start.

In the meanwhile his friend

(a client of NRDP MC & EDP) told him about NRDP micro loans and its
procedure. Shehbaz applied for 1st loan through local CDO. NRDP approved
his loan then he purchased necessary instruments (air compressor and heater)
to start the puncture workshop to utilizing his own savings of Rs.8,000/-

Shehbaz selected the business place on the main road, where the general
traffic was in. His place was accessible for the nearby villagers and all sorts of
vehicles.

Right now, Shehbaz enjoys high sales and relates his experience of recording
credit and cash sales. He said I control my business cash flow on daily, weekly
and monthly basis.

Shehbaz started his business five years ago with petty investment of Rs.18,
000/- and used to get profit Rs. 6,000/- per month. After the series of NRDP
financial and non financial interventions, his investment increased up to
Rs.155, 000/- his monthly sale was Rs.75,000/-..

Now he is in 5th loan cycle with NRDP and his profit after taking out all the
operational expenditures comes to the range of Rs.43, 000/- per month.

Shehbaz has further observed that there is no Tent Service shop within his
locality. He thought to add this product line in his existing business place. He
told that this would generate additional Rs.8.000/-income per month for him.
Shehbaz also wanted to add the full range of building material in his existing
business place and expecting Rs.10,500/- as an additional income. He has
started saving in shape of committee, with saving he has bought, Shuttering
material, Welding plant, Peter engine spare parts, instruments for cycle
repairing workshop ,Ceiling fan for his home usage, Juicer machine and Iron
for home usage, a mobile phone for personal use a plot and repaired his
house structure.

Prior to loan form NRDP Shehbaz’s children were used to involve in cutting of
bamboos. Now all are going to school. Shehbaz and his family are very happy
with his venture and income.

15
 A rising story of endless courage

CASE STUDY Asia Shaheen is a resident of village

Dalay pur and runs her Kiryana
Store in the village since last 10
years. She used to earn hardly Rs.2,
500/- per month. Asia Shaheen had
7 children and always thought how
the income will increase. As she
was a shop keeper, she had strong
interaction with community
because every body used to visit
almost daily to buy something.

Her husband was running a flour

machine in a village which was operated by Peter engine. In this business he had
to bears high diesel cost and less income that’s why all her profit of Kiryana
store used up in the shape of diesel cost. One day she attended the orientation
meeting and knew about the NRDP MC & ED program. Later on she joined local
CDO and applied for 1st loan of Rs.10,000. After the approval of loan she
bought the items for women general store. In this business she got good profit.

With its increased income she got electricity connection for husband’s flour
machine to save her Kiryana store’s profit. Now she is in 4th loan cycle with
NRDP and earning good income.

Asia Shaheen started her business 10 years ago and run her small Kiryana store
in her village but was unable to fulfill the needs/demands of local community
due to lack of finance. She had very small range of products in her shop.

After attending the OTW of loan group, she submitted the loan application
form of Rs.10, 000/- after processing and approval; she got desired loan amount
and added highly demanded products related to women, therefore she earned
more profit. Later on she applied for 2nd loan of Rs.10,000/- and after getting
loan amount; she added more variety of K/S.

After the completion of 2nd loan; keeping in view the customers demand she
applied for 3rd loan of Rs.30,000/-. After getting loan amount she inserted
more products in her display, now she has completed 4th loan cycle of
Rs.30,000/- and purchased peeper grinder.

Asia Shaheen has a business oriented mind and she is hardworking women she
said “success of an entrepreneur is depends upon the personal competencies
of an entrepreneur”.

Before attaining loan amount she used to earn hardly Rs.2, 500/- per month and
at the 4th loan cycle her monthly income jumped to Rs.24, 000/- per month.

10 years ago when she started her Kiryana store, her family member resisted
very much. They opposed that female of our family will never go in any income
generation activity; it is the violation of our family norms. But she faced bravely
and continued her venture.

With the rising income she admitted her children into school and now they are
going to schools. Her elder daughter is acquiring education in college. Her
status of self employed has increased as a entrepreneur her assets has
enhanced and lifted her image in the community as the trustworthy and
respectable women.

16
 IMPROVE MATERNAL HEALTH & REDUCE CHILD MORTALITY
3.1 HEALTH
3.1.1 Establishment of service delivery outlet:
NRDP established one service delivery outlet named as Community Health
Center (CHC) in Satuwal since 1998. The primary focus of the CHC is Mother
and child health care. CHC has successfully addressed primary health and
reproductive health needs of selected rural communities with the financial
and technical assistance of PPAF. The CHC center facilitates surrounding 20
remote & far flung villages. NRDP health program is focused to develop
community’s resources for improved children health status. The program is
consisted of different activities such as
health awareness campaigns, Promoting
Mother & Child Health awareness/programs,
medical camps and training of Community
Midwives.
The fundamental principle of the CHC is the
participation of community at all stages.
According to monitoring & evaluation conducted by community & NRDP
head office reports, NRDP has successfully deal with Primary Health and
Reproductive Health needs of selected rural women in the area. However
establishment of New CHCs is the mandate of NRDP. In this context NRDP
has planned to establish 8 new CHC in 2011.
NRDP has fulfilled all the requirements e.g selection of the areas, CHC’s
building, staff hiring and procurement process for five new CHCs which are
near to operation. During the year, 24 medical camps were organized in
remotest rural areas with the collaboration of local CDOs.

Beneficiaries during the year

Particulars Total Total Total Male Female Ante- Post- Boys Girls Vaccination Deliveries F.P.
Beneficiaries Male Female OPD OPD natal natal OPD OPD

CHC 3942 277 1694 176 950 409 8 101 88 96 16 127

Health Camps 1839 279 863 279 863 124 0 263 300 10 0 0
Total 5781 556 2557 455 1813 533 8 364 388 106 16 127

During the reported period NRDP Community health Center provided health
services to deprived and disadvantaged communities in remotest rural areas
with basic health check-ups, the provision of general medicines, Injection
courses to pregnant women and children, Mother & Child Health care,
growth monitoring of children, family planning services , counseling
,delivery service, used problem cords and tap, and laboratory tests.

17
 3.1.2 Raising Awareness/ Capacity building:
During the reported
NRDP health program
conducted various
sessions in remotest
rural areas on personal
hygiene, primary health
care, first aid, sexually
transmitted diseases
(STDs), and
antenatal/postnatal
care, child care and
nutrition, necessity of
injection course malaria prevention, importance of breast-feeding, diarrhea
and the production of ORS were conducted where community expressed their
satisfaction on value of these sessions, which was also reflected through their
changed behaviors and practices adopted after benefiting from NRDP's health
initiatives. Women's health has improved, especially during pregnancy; women
nutrition level has been improved. Women and girls have started to take care
of personal hygiene during menstruation period. The VHCs have started their
efficient role and sensitization on CDOs meetings. NRDP LHVs are participat-
ing and conversing health related issues in routine meetings. NRDP also orga-
nized community based health sessions on Mother Child Health, Hygiene,
water and Sanitation, importance of a balanced diet; especially during preg-
nancy, HIV and AIDS, reproductive and sexual health, Hepatitis C and TB.

3.1.3 Improved Health and Hygiene:

Diarrhea remains one of the main threats to a child
health killing nearly 250,000 in Pakistan. Washing
hands with soap has been shown to be one of the
most effective ways to prevent diarrhea. Narowal is
the backward district of Punjab situated at the
border line where hygienic situation is much critical
so NRDP decided to implement a program for
“Hand washing “with the cooperation of Pakistan
Poverty Alleviation Fund (PPAF) & Unilever Pakistan
in District Narowal. First of all, a pre evaluation
survey was conducted in 17 selected villages. In all
activities community participation were ensured male
and female as well as children for the promotion and
enable the adoption of effective hand washing.

Focused Groups:

• School Going Children

• Target Community members (male, female, Children)
• Young fathers & young mothers
• Barbers
• Health workers
• CDOs & WSGs members

18
NRDP launched a Hand washing program among
schools and community on hygiene. Children were
chosen as focused recipients of the session because of
the particular risk they pose in contracting and spread-
ing enteric infections. Schools were identified as the
most appropriate setting in which to deliver the mes-
sage. In order to ensure behavioral changes among
children concerning health, NRDP carried out 21 health
education sessions amongst school children to high-
light the importance of personal hygiene which
benefited 900 boys and 1041 girls. The objective of the
hygiene sessions were ;
• To teach children & Community about the spread of germs and disease.
• Increase awareness amongst the target group about the importance of
hand washing in reducing the spread disease.
• To facilitate the practices of a good hand washing technique.
• To use schools as a setting for the health based message.

A range of activities were developed to engage the community members and

schools children to demonstrate how germs can be spread and the
importance of effective hand washing. An Ultra Violet ‘Glo box’ and ‘magic’
disclosure cream was
used to demonstrate
effective hand washing.
Objects covered with the
‘magic’ cream were
passed around the class
to demonstrate how
easily germs can be
spread. All the children
and communities took
part in an exercise using
disclosure cream and the
‘glo box’. The cream was put on their hands and they were able to view them
before and after washing. A discussion then took place about how effective
their hand washing had been.

Many of the children and community members noted that they had missed
areas on their hands. They were then shown an effective technique for
washing their hands.

As a result of orientation meeting and walk, immediate behavior changes

were observed as villager and children have begun avoiding open defecation
and have started hand washing after using the wash rooms. It was further
observed that the children were now regularly taking bath before going to
school with trimmed nails.

In addition, NRDP constructed latrines along with Hand washing facilities in

10 boys and girls schools. Apart from school based health awareness
sessions on HIV and AIDS, Hepatitis C, TB, basic health and hygiene were
conducted.

19
 The village community and school children acquired knowledge
and were sensitized.

Activities carried out during the reported period.

# of # of Participants Total
S. # Activities
villages activities Men Women

A Community Level Activities

1 Orientation meeting with CDOs and WSGs members. 17 1 15 10 25
2 TOT sessions with health workers and community activists 17 1 0 18 18
3 Awareness raising sessions at village level 17 17 590 1363 1953
4 Health & Hygiene Sessions with young mothers &
8 8 146 287 433
fathers on hand washing practices
5 Awareness raising walks 1 0 103 190 293
B Activities with Barbers
1 Orientation Training with barbers 17 4 44 0 44
C School Level Activities
1 Orientation Meetings with teachers 8 5 3 64 67
2 Meeting with school committees & parents 8 0 0 130 130
3 Speech & Quiz competition & role play in schools 8 2 6 9 15
4 Awareness raising & Demo sessions with school
8 10 1115 1019 2134
going children on hand washing practices
5 Distribution of IEC Materials and Soaps 8 5 1115 1019 2134
Total 17 53 3137 4109 7246

3.1.4 Advocacy and Achievement:

To advocate for improved health care policies and provision of services,
NRDP established Tehsil and District Health Forum (THF & DHF). NRDP has
been regularly conducting the review meetings, in which, GLA
representatives from health departments and NGOs participated. The
participants used this forum as an opportunity to share their plans, get the
information regarding health issues of men, women and children. Their
acknowledgement through regular participation in it is evidence of
ownership. From these forums future planning by all the organizations is
chalked out with reference to the health issues of their respective area.
Following are the Achievement by 2010:
• 5781 community members benefited from health services
• 725 young mothers and fathers trained on mother & child health issues
• 587 community members sensitized on basic health issues

20
 4.1.1 Community Model Schools:
NRDP’s community schools are the
places and a set of partnerships
between the schools and communi-
ties resources. NRDP’s community
schools strategy integrates academ-
4.1 EDUCATION
ics, health and social services, youth
and community development, and
civic engagement to improve student
“EDUCATION FOR ALL”

learning and to develop stronger

families and healthier communities.
CMS schools are centers of the
community—open to everyone—all
day, every day, evenings, and week-
ends. Families, local government,
higher education institutions,
businesses, community-based organizations, and local citizens are all involved
in NRDP’s CMS program.

NRDP initiated its education program in Tehsil Shakargarh with the name of
CMS since 1999. During the reported period, 996 children are acquiring formal
education till primary level. Now it is being supported by PPAF for strengthen-
ing of existing CMS and provision of missing facilities since January 2008, with
the partnership and financial support of PPAF, NRDP is providing the following
components:

• Strengthening of school &

educational environment
• Furniture for students & teachers
• Playing equipment (multiple slides,
swings)
• Clean drinking water
• Teacher’s trainings
• Teaching aids

In this regard NRDP established 5 more community model schools and 3 Gov-
ernment Primary schools were adapted under this program and providing
above mention facilities to ensure the quality education and easy access of
marginalized and disadvantaged communities to education at local level in the
remotest rural areas. NRDP adopted the following 03 government & 6 commu-
nity model schools (established by NRDP) and trying to maintain the educa-
tional standard through its intervention:

School Name Students

Boys Girls Total
CMS Islamabad Village 88 81 169
CMS Hakeem Pura 41 32 73
CMS Ghona 43 32 75
CMS Qasim Pura 19 24 43
CMS Ali Abad 80 65 145
CMS Talwandi Kahlwan 18 28 46
Govt Boys Primary School Satuwal 145 25 170
Govt Girls Elementary School Satuwal 0 180 180
Govt Girls Primary School Manjitorr 0 95 95
Total 434 562 996

21
 4.1.2 Establishment of Child Referral Units:
NRDP’s CRU is a centre for children who are not able to attend a mainstream or
special school. Each CPC is responsible to make arrangements for the provision
of education in or out of school for all children of compulsory school age. If
children may not receive suitable education for any period for reasons such as
illness or exclusion due to any reason from school, these arrangements can be
made through CRU - which is supported by community volunteers. NRDP has
established 2 CRU in 2010, 19 pupils attended Child Referral Units (CRUs) at
two point. Although CRUs do not provide a full National Curriculum, they offer
a basic curriculum which includes English, mathematics, and sciences.
4.1.3 Awareness Raising/Capacity Building:
The literacy rate among men and women is
52.82% and 21.14% respectively. NRDP has
established 9 School Management Committees
(SMCs) at school level with 87 community
members to supervise the school’s affairs,
school performance and measure quality of
education. Women Education Committees and
SMCs work for mobilization & advocacy of girls
educational issues. NRDP field staff organized
sessions in monthly meetings on the importance
of education and elimination of gender
disparities in this sector. Sessions with schools students reflected by students
that “they were sensitized and learnt how to improve the school and how they
could contribute towards its betterment.
Name of Training Duration No. of Teacher
Men Women Total
Training Need Assessment Of teachers 1 day 2 22 24
Holistic Development, LCNC material preparation,
6 days 3 30 33
Lesson Planning
Training on Computer Skills 5 days 2 29 31
Teacher behavior during teaching. 3 days 4 32 36
Class room decoration 4 day 2 30 32

In order to capacitate and strengthen WEC/ SMCs, training sessions were

conducted to strengthening the SMCs and effective participation of the
community related to CMS and child education. Each SMC was responsible to
develop and implement School Management and Improvement Plans. Problem
listing was followed by developing work plans for school management and
improvement activities, with clear roles and responsibilities of WEC members
and relevant stakeholders. NRDP has conducted various teacher training
workshops to capacitate the teaching staff. The following activities were
conducted during the year for capacity building of teachers:

4.1.4 Coordination and Advocacy:

NRDP improved coordination with community partner organizations, Tehsil and
district education department and with governmental institutions working on
education, non governmental organizations for better working relationship.
During 2010 NRDP launched successful campaigns against Child Labour in
District Narowal, GLAs, NGOs, CDOs and other partners participated in the
campaign. Despite of this NRDP formed Child Protection committee at village
and school level, community volunteer and school going children were involved
in the advocacy of Child Labour. Three seminars were organized at village level
by NRDP, in which community and other stake holders participated and became
the advocate for disadvantaged children.

22
 Community model school Village Islamabad

In November 1998 Narowal Rural Development Program (NRDP) launched the

micro credit facility for the women of Islamabad – one of the poorest villages of
district Narowal, Punjab – Pakistan. The village was inhabited for the first time
in 1985 by the flood victims of River Ravi who were land less tenant even in their
villages of origin. The poor inhabitants of Islamabad village migrated from six
native local villages: Mandiali, Talwara, Kala Cheechi, Gole, Miadi, Kotli Ramdas
CASE STUDY
also three families migrated from the Sindh province. The new migrants were
also poor to pay for the lands therefore; they solicit for the landowners to make
the payment on easy installments. Consisting of 45 households, village

Islamabad even lacks the basic necessities of facilities e.g. (electricity,

education, employment) etc.

The habitant of village Islamabad does not own the land and situates as a
tenant, lives in very small (a few Marlas) mud houses. Employment ratio is (1%
Service employee), unskilled labor (93%), agricultural labor (2%), shopkeepers
(2%) and Skilled labor (2%), village majority is illiterate even none of them is
matriculate. They had a complete negative attitude towards girl’s education.
When NRDP launched micro credit program in the village at that time only 7%
boys with the age group of 5-12 years were going to schools. NRDP with the
help of 9 principles of micro credit Program mobilized the community to send
their children both boys and girls to the schools. With a constant and intensive
effort the villagers were sensitized to send their pupils to school.

They were reluctant to send their children especially girls to the distant schools.
The micro-credit groups started demanding establishment of a school in the
village. NRDP had no funds for establishment of the school but was equipped
with the skills of’ Community education and its management. NRDP organized
more male and female meetings on the issue and organized them to start a
school on self-help’ basis’. With consensus, a Village Education Committee
(VEC) was established.

After an objective oriented systematic planning a “Home School” was launched

with one Teacher. The community decided to provide a room on rotational
basis. VEC purchased 10 Marla land worth of Rs 11,500 in April, 2001. Then
NRDP constructed a two rooms building.

23
 FUNCTIONAL LITERACY
FOR GENDER EQUALITY AND EMPOWERMENT OF WOMEN

4.1.5 Non Formal Education:

NRDP has been engaged for educational needs of poor rural illiterate women
and girls especially belonging to remotest areas. It is envisaged that through
the provision of functional literacy to the illiterate women and young girls,
makes them able to read, write, and understand basic literacy skills, and plays
a vital role to reduce the existing gender inequalities upon completion of school
duration and have a direct and positive effect on well being of the women,
families and the communities.
After completion of literacy course NRDP provided story books and educate
these learners on human & democratic rights, basic health and business
management & income generation skills. NRDP has established women
education committees (WEC) at village level. These WECs playing a grater role
in managing and supervising the literacy school’s affairs, performance of
teacher & learners quality of education, promoting girls education and effective
community participation.
The non-formal education program has multiple aspects of human development
making the youth of marginalized communities a productive member of the
society. All functional literacy schools have been employed local women as
teachers and build their capacity through trainings required to run the
functional literacy schools.

Achievement:
• 253 illiterate rural women and girls graduated on literacy skills through 10
literacy schools in 10 villages
• 97% women & girls utilized their knowledge & skills in routine lives
confidently and able to read & write, can get information from different
resources
• Graduated women able to provide basic skills to other women/girls
• women meaningfully participated in decision making process
• 10 teachers trained and effectively utilizing their skills
• 100% teachers utilized their skills effectively at school and community level
• These graduated women linked to NRDP’s micro credit & enterprise
development program and became successful entrepreneurs

4.1.6 Environmental Education:

Environmental education is a process of recognizing values and clarifying
concepts in order to develop skills and added tools necessary to understand
and appreciate the inter relation among man, his culture and his bio-physical
surrounding. It creates an overall perspective which acknowledges the fact that
natural environment and man made environment are interdependent.

24
 FOR ENVIRONMENTAL SUSTAINABILITY
AWARNESS AND EDUCATION

Environmental education (EE) refers to organized efforts to teach about how

natural environments function and, particularly, how human beings can manage
their behavior and ecosystems in order to live sustainably. The term is often
used to imply education within the school system, from primary to
post-secondary. However, it is sometimes used more broadly to include all
efforts to educate the public and other audiences, including print materials,
websites, media campaigns, etc. Related disciplines include outdoor education
and experimental education.

During the reported period NRDP organized various seminars and walks to
increase the people's knowledge and awareness about the environment and
associated challenges, developed the necessary skills and expertise to address
the challenges, and fosters attitudes, motivations, and commitments to make
informed decisions and take responsible action for its stability. During the
reported year 4 speech competitions were organized in schools and colleges,
through this contest number of students communicated their thoughts and
opinions on issues related to the environment and its stability, number of
students, represented of Government authorities, participated in the contest
and sensitized among environment pollution. An environmental and peace walk
was organized in the District the participants of the walk held banners and
placards highlighting the need to protect the earth for the survival of humanity.
They demonstrated and clean some areas to create awareness among the
people about negative impacts of environmental pollution on the human life
and the need to fight, individually and collectively against the environmental
pollution. The participants laid special emphasis on the need to protect
environment and indigenous cultural values, and promote peace and harmony.
The following activities conducted during the year:

No. of No. of Participants

Name of Activities
Activities Male Female Total
Speech & Quiz Competition at School & collage ”
4 585 742 1327
level ‘Environmental pollution & our responsibility

Seminar on Environmental pollution & role of 1 115 290 405

Society in its elimination

Awareness raising walk at district level 1 110 287 397

Total 6 810 1319 2129

25
“Promote gender equality and empower women”
RIHGTS

4.2.1 Combat violence against women:

NRDP have been promoting a human rights culture in society by working
towards the empowerment of the women, children, civil society and law
enforcement agencies through education, awareness health, and
communication channels.
HUMAN

During the 2010 NRDP implemented a comprehensive awareness and

advocacy program to combat violence against women by mobilizing civil
society groups, raising general awareness, advocating legal implantation and
taking timely actions. The strategy for the implementation of program was
to sensitize civil society, media, Police, health department, elected
representatives, community leaders about the violence against women,
Women Rights and Human Rights from grass root level to district level.
Developed and disseminated I.E.C material 5,000 broachers, 5,000 posters,
5,000 booklets / flyers & stickers on gender equality, WAW, CEDAW manual
& human & democratic rights.
34 cases of VAW solved through counseling and 79 women victim of
violence provided legal aid.

4.2.2 Campaigning/Capacity Building on Rights:

NRDP launched number of
education cum orientation
workshops, conferences,
seminars and public forum on
human rights & violence against
women during the year. Four
seminars were conducted on
4.2

“Violence Against women”

during the session. The
objectives of the seminars were
to “combat violence against
woman by mobilizing civil
society groups”. Raising general
awareness to advocate legal
implantation and taking timely
actions against violence against
women.

26
Further seminars and workshops were carried out, on Violence against
women and Children mobilizing Community Volunteer to raise voices on
violence against women and Children were indeed another prominent
success/awareness. Sessions on 'Gender and Human Rights' at three Tehsils
were conducted. Representative from Government Authorities and
community volunteer enabled to understand the role of women in
economic and political development and highlighted different types of
violence in the society like gender discrimination, negative behaviors towards
women and role of society about ending of violence against women.

Well oriented and trained WSG members work at U/C level for awareness
raising, information dissemination and mobilization of their own communities
for ending violence against women.

The activities of capacity building enhanced the capacity of WSG members

and clear their concepts regarding violation against women.

In the result of capacity building, well oriented and trained WSG members
actively performed their role at local level to mitigate violation against
women

4.2.3 Establishment & strengthening of Women Support

Group (WSG)
NRDP established WSGs at UC level in order to make timely interventions in
to the matters related to violation against women organized a combine
group of male & female approx 10-15 people from 74 union council of district
Narowal. These Women support groups were capacitated on women rights.
These WSGs consisted on 883 (male 428, female 455) male and female
volunteers members were from well reputed, influential & activists from
various civil society groups

WSG members trained in some basic skills in order to fight violence against
women. Well oriented and trained WSGs working at UC level for awareness
raising, information dissemination and ending violation against women. WSG
network played a vital role for awareness raising and advocacy at stakeholder
& policy level. WSG’s presented information about important issues that
stimulated and developed a friendly public opinion on the issues of violence
against women. WSG played a vital role to change overall family trends and
behaviors, among the olden, traditional and reactionary families, geared up
democratization of the society and promoted culture of tolerance in the area.

27
 4.2.4 Public Meeting:
Twenty four public
meeting were organized
at divergent UCs of
district Narowal during
the session 2010. The
public meeting were
concentrating on the
rights, and good
governance. The
objective of the public
meeting was to sensitize
the folk among women
rights. The activity of
public meeting was
organized at UCs and
village level of District Narowal, through different topics speeches,
discussion and brainstorming the masses became sensitized and awared
about different form of violence which women have to bear at domestic &
social level.

4.2.5 Interactive theater:

To promote human rights and women rights NRDP launched 26 interactive
theater programs at UC and district level with the participation of general
public, representation of government authorities and other grass root
partner organizations. Interactive theatre is a low cost activity which leaves
deep affects on community. It is a way of entertainment, art for change and it
also matches the local values, norms and culture. Interactive theatre is a best
tool of awareness rising and mobilization of communities on grassroots level.
It is a participatory activity which builds confidence. It stimulates all human
senses and imprints the message in the minds of audience directly and more
effectively. It allows people to freely express

The prime importance

of this activity was; the
participants saw it with
keen interest and at the
end of performance
they interacted with
interactive theatre
team. Communities
members (Male &
Female) came at the
stage and changed the
decision positively that
have build confidence
among the audience
their ideas and point of
view and become sensitized amongst women and their rights.

28
4.2.6 Networking and Linkages Development:
NRDP established linkages of WSG with various agencies, NGOs and political
representative of the concerned locale to encourage and support the WSGs
at local level. A capacity building and review session in HID center of NRDP
was organized with the representation of Government authorities. As a
result, a district level dialogue was organized in which 300 people from civil
society groups, district administration line departments, representatives of
partner organization participated. The theme of this event was Women's
Socio-Economic Rights”.

Linkages of CDOs and WSG’s members were established to Education,

Health, Local Government, Agricultural, Livestock department, police and
judicatory department.

Sr. No. of
Name of Training
# Activities Men Women Total
1 Meetings with WSGs 12 61 69 130

2 Educational Cum Orientation workshop 5 140 127 267

3 Seminar & public forums 4 257 498 755

4 Public Meetings 24 1115 1318 2433

5 Interactive Theater Performances 26 1274 1612 2886

Total 71 2847 3624 6471

4.2.7 Advocacy
Advocacy for Better Implementation of Women’s Rights in district Narowal
was initiated by NRDP during 2010 It was designed within the scope of the
“Sensitization and capacity building of GA, Law enforcement and other
stakeholders for the effective implementation of the rights of women in
district Narowal. NRDP's advocacy efforts have brought visible attitudinal
changes at the rural community level in its working areas. Number of Women
committee at village level in the jurisdiction of Narowal women’s membership
has increased and they have started participating in community infrastructure
projects after NRDP conducted a joint session for both genders on Violence
against Women (VAW) and Civic education& democratic & Political Rights .
Subsequently, there has been a decrease in the reported incidents of violence
against women.

In 2010 NRDP conducted 2

Public rallies with 500 partici-
pants for raising popular support
according on violence against
women and their responsibilities
for the reduction of violence. 10
educations cum orientation
workshops conducted on issues,
concerns, laws related to VAW,
and a group of 200 civil
servants, police staff, local
government representatives, media, and other stakeholders sensi-
tized on VAW issues.

29
 Community driven development
(CDD) is an approach, in rural devel-
opment programmes, which puts
communities and local government
in control of the development
process. In particular, control over
planning decisions and investment
DEVELOPMENT
resources.
CDD brings together, in a practical
manner, participatory approaches,
subsidiary in governance, community
5.1 COMMUNITY DRIVEN

empowerment, responsive govern-

ment, and local capacity building.
Experience has shown that given appropriate financial support, poor men and
women can effectively work together and with local government to organize
themselves and address local problems.
During the reporting year NRDP has worked on CDD in remotest rural areas of
district Narowal. This has involved developing systems for community-
government interaction in small scale infrastructure development, monitoring
and recommending improvements to CDD implementation modalities, and
designing CDD interventions for loan-funded poverty reduction programmes .
The global emphasis on achieving the Millennium Development Goals (MDGs),
in particular the target to halve the proportion of people living in extreme
poverty by the year 2015, has underscored the importance of delivering
services that satisfy the actual needs of the poor rural people and the communi-
ties in which they live. However, rural poor people and the local organizations
that represent them, often lack the capacity to develop and articulate their
needs in ways that are meaningful for the institutions that must respond. NRDP
community driven development approaches are contributing both to building
the capacity of rural communities to articulate their needs and to supporting a
clearer and more constructive dialogue between the various actors, thus explic-
itly targeting improved local governance.
NRDP works through LGA, CDOs, and VCs at the district and commune levels
to support local and village development. NRDP has invested heavily in the
provision of clean drinking water, community health and hygiene and capacity
building of small scale institution at community level.

5.1.1 Services provided:

NRDP worked with 3 CDOs over a period of 1 years to develop and main-
stream an approach to participation. The assignment included:

• Capacity building within the government system: the project has trained
facilitators on district and village levels and established a network for
learning and experience sharing.
• Methods for Participatory Poverty Analysis (PPA), Participatory Planning
(PP), Participatory Project Implementation and Participatory Monitoring
and Implementation (PM&E): Methods for participation have been devel-
oped through practical application.
• Pilots on participatory planning and implementation of small-scale infra-
structure for learning and capacity building: "Easy Achievable Tasks"
(EATs) have been defined as small projects with a clear focus of maximiz-
ing community participation at all stages.

30
 NRDP’s community driven develop-
ment aims to build long-term
processes for sustainable poverty
reduction through MC&ED , Agricul-
ture & Livestock. It also aims to
change the culture of dependency
and to avoid quick technical fixes.

CDD focuses on strengthening the

capacity of rural communities to play
a greater role in their own develop-
ment. CDD may be a way to correct failures by governments, markets and civil
society, or a self-help approach to accelerate access, particularly by communi-
ties in remote areas, to public goods and services. The need for heavy up-front
investment in capacity building means that project implementation and moni-
toring and evaluation tend to be more expensive in CDD projects. Short- and
long-term quantitative and qualitative results must be identified for local-level
monitoring arrangements that fully involve community-based organizations.

5.1.2 Linkages & Self initiative:

NRDP organized 2 meetings with GLA and CDOs members for improving com-
munity linkages to address their agricultural needs. As a result numbers of CDD
initiative were taken in rural communities during 2010. NRDP implemented
community dairy farm program with
the partnership of Pakistan Dairy
Development Company (PDDC) in 5
villages through local CDOs. The
CDOs benefited through Training of
farmers/livestock keepers, Fencing
to untie the animals, Basic health care
(deforming, Vaccination & treat-
ment), milk making, and linkages
development with service providers.

Through self initiative 115 farmers benefited and 109 farmers trained on free
access of water, green fodder, breeding & artificial insemination, calving
rearing, teat dipping & basic health care , 209 farmers from 3 villages partici-
pated in the seminar about basic health care ,306 animal of 114 farmers vacci-
nated .

• Village Satuwal CDO got their link road project from the TMA which
benefited 110 households.
• CDO village Harsankot contacted Public Health Department and
obtained street and sanitation project approximately 250 households are
benefiting from this initiative.
• CDO Satuwal made contact with Local Government and obtained a
boundary wall (Around 1 acr ) project for their village graveyard also
updated Girls Middle School into Girls High School with the help of
Education Department.
• CDO village Aliabad in collaboration with district sports department
organized a tournament and 16 teams of football from far flung
villages participated in the tournament.

31
 5.1.3 Sports–for-Community Development:
“In 2002 the World Health Organisation (WHO) World Health Report indicated
that mortality, morbidity and disability attributed to the major non-
communicable diseases accounted for over 60% of all deaths, and unhealthy
diets and physical inactivity were among the leading causes of these diseases”

Sport and physical activity are crucial for life-long healthy living. Sport and play
improve health and well-being, extend life expectancy and reduce the likelihood
of several non-communicable diseases including heart disease. Regular physical
activity and play are essential for physical, mental, psychological and social
development. Good habits start early: Sport also plays a major positive role in
one’s emotional health, and allows building valuable social connections, often
offering opportunities for play and self-expression.
Sport is a catalyst for economic development. Individually, each of the various
sectors of the sports economy can create activity, jobs and wealth. When several
are combined together into a single strategy, it is possible to achieve additional
economic gains because of the synergies that result.
Local development through sport particularly benefits from an integrated
partnership approach to sport-for-development involving the full spectrum of
actors in field-based community development including all levels and various
sectors of government, sports organisations, Non Governmental Organizations
(NGOs) and the private sector. During the reported period CDO Satuwal with
the assistance of NRDP organized a Kabaddy Tournament for the promotion of
support culture in respective villages.
Teams from Pakistan Railway and Pakistan Army participated in the tournament,
representatives of Government line department and above 3000 villagers
participated from 40 villages.

5.1.4 Planning & Review:

To build effective link between community and Government NRDP conducted
meetings with GLA and rural communities to fill the gaps between GLA and rural
communities in this regard several project were obtained for rural communities.

32
 Pakistan is located in a region that is prone to a number of natural disasters. Due
to its diverse range of terrain, the country is susceptible to wide-ranging hazards
from droughts to floods to earthquakes to cyclones. Pakistan has been suffering
from a major drought for the last four years, which is unfortunately continuing
with varying degrees all over the country. With the exception of drought years,
Pakistan has suffered almost every year from floods as monsoon rains Cause
6.1 DISASTER RISK
Rivers to overflow their banks. Almost all of Pakistan regularly experiences
earthquakes ranging from moderate to severe in intensity.
MANAGEMENT
District Narowal is situated in southern Punjab touching the boundaries of India,
Jammu and Kashmir. Endowed with plenty of water resources in the form of
streams and Ravi River, Narowal is also prone to floods during the monsoons,
causing havoc to the crops, animals, and the villagers.

NRDP DRM program is for the prevention of disaster, the mitigation, and the
preparedness and capacity building for dealing with disaster situations as neces-
sary.

6.1.1 Raising awareness:

NRDP DRM Program designed an action to raise awareness among school

children, and communities to prepare and equip them for any emergency situa-
tion. In this regard two risk management sessions were conducted in communi-
ties and school.

NRDP also developed and disseminated booklet covering the Disaster Situation
of Pakistan, risk and mitigation. However the sessions were focused on the local
hazards and issues.

6.1.2 Planning and strengthening:

During (2009-2010) ten Risk Management Committees have been formed in

riverine villages of district Narowal. The District Endow with plenty of water
resources in the form of streams and Ravi River, Narowal is also prone to floods
during the monsoons, causing havoc to the crops, animals, and the villagers.

NRDP capacitated the RMCs on their role in emergency situation and preven-
tion measure .The RMCs have been playing their role in awareness raising and
involving other people in their activities. RMCs are also guiding people in taking
mitigations steps against existing hazards.

Risk Management has become the fundamental part of NRDP’s village develop-
ment planning. During the 2009-2010 thirty village level risk management plans
were developed with the help of CDOs and lots of village communities partici-
pated in these plans.

33
 6.1.3 Capacity building:

During 2009 -2010 two training workshops were organized on risk management
for the riverine communities of District Narowal , the number of activities related
to emergency and disaster mitigation were taken in these workshops.

6.1.4 Relief/Aid:

On 21 June, the Pakistan Meteorological Department cautioned that urban and

flash flooding could occur from July to September in the north parts of the coun-
try. The same department recorded above-average rainfall in the months of July
and August 2010, and monitored the flood wave progression, that change the
whole socio economic scenario of Pakistan leading to worst crises and heighten
gaps towards achievement of Millennium Development Goals.

Keeping in consideration the disaster’s magnitude and in-line with NRDP s

mission the organization immediately responded to support the people in catas-
trophe with all possible means. As part of response phase NRDP started with
Food items, NFI distribution, and Emergency Medical services in two badly
affected districts naming Rajanpur (Punjab), Muzaffargarh (Punjab).

A team of doctors (2 male, 2female) and health workers organized medical

camps in two badly affected districts. Medical camps performed check ups and
emergency medical services and distributed medicines and other lifesaving
equipment.

A Participatory Rapid Humanitarian Needs Assessment (PRHNA) was conducted

in the above mentioned two districts of Punjab.

This Rapid Assessment was conducted to analyze the situation of area and
people based on the international best practice, methods and tools used in
Pakistan Flood 2010 by Government, UN and development partners in Pakistan.
This assessment was conducted in 2 adversely flood affected districts of Punjab.
People living in villages, as well as in camps, collective centers and sites of spon-
taneous displacement were surveyed among two 2 district of Punjab: Rajanpur
and Muzaffargarh.

Teams of male and female researchers consisted on 6 members, carried out

household assessments with close to 378 households and facilitated separate
male and female community focus group discussions in 35 villages and settle-
ments.

The aim of the assessment was to provide deep insight into situation in 2
adversely affected districts and advice and facilitate response to these districts.

34
 7.1 HUMAN AND INSTITUTIONAL DEVELOPMENT:
NRDP sees HID as a process guided by existing values and principles
(particularly poverty reduction and developing social capital), which
contributes to Developing the skills and behaviors of individuals so that they
can lead, manage, serve and strengthen their institutions promoting
equitable and cooperative relationships between stakeholders and their
institutions. Participative, demand-driven and empowerment processes are
the basis of HID. Disadvantaged members of civil society need a voice in any
MECHANISMS
intervention to be able to take responsibility for their own development by
INSTITUTIONAL SUPPORT

representing and defending themselves. Sustainable development Links to a

thematic approach validation of experience and knowledge. Disadvantaged
members of civil society need a voice in any intervention to be able to take
responsibility for their own development by representing and defending
themselves. HID offers capacity building programs in three significant areas
essential for sustainable and easy survival of organizations and communities:
a) Organizational development
b) Enterprise management & Skill development
c) Professional development

a). Organizational development:

NRDP is helping CDOs/VDOs/WDOs/NGO to undertake the constraints
through community management skills trainings, leadership management
skills trainings, resource mobilization, financial and human resource
management, project and report writing etc. So that they may play a leading
role in further promoting development activities in district Narowal.
The statistical detail of trainings delivered to community/CDOs by NRDP.

Sr.# # of # of Pax
Topic of CB Workshop Total
Activities Men Women
1 Resource mobilization 2 19 20

2 Conflict Management 1 22 12 34

3 Building Public Opinion 2 29 31 60

4 Networking & Linkages Development 2 31 29 60

5 Art of Gender Reporting 1 25 0 25

6 Experience Sharing conference 1 39 57 96

7 Community management skills 7 69 83 153

8 Leadership management skills 3 29 37 66

Total 19 263 269 494

b). Enterprise Management & Skill Development

Keeping in view the target area needs and
requirements NRDP providing enterprise
management training to its borrowers to tackle the
issues through marketing of products, record/book
keeping, enterprise development trainings. For skill
enhancement NRDP has a unique skill enhancement
program in which HID offers different trainings like,
peter engine maintenance training, beautician skills,
embroidery, sewing and cutting and moray making
etc. so that they enhance their socio economic status
in an appropriate way.

35
 The statistical detail of trainings delivered to community/borrowers by NRDP
in reported period is shown in the following table.

Sr.# # of # of Pax
Topic of CB Workshop Total
Activities Men Women
1 Enterprise development 4 39 47 86

2 Tailoring & dress designing 3 0 63 63

3 Food preservation techniques 3 0 67 67

4 Livestock management & nutrition 2 23 19 42

Total 12 62 196 258

Enterprise Development and Professional services provided to other

organizations:

NRDP has provided the following Enterprise Development and Training

services to Strengthening Participatory Organization (SPO) Islamabad under
two different agreements:

• Developed feasibilities & business plans of 153 extremely vulnerable

individuals/ families in Muzaffarabad –AJK
• Developed Training manual & participant’s hand book on enterprise
development
• Conducted training of trainers (TOT) for SPO staff and community
members
• Developed feasibility & business plans of 20 violence against women
(VAW) survivors
• 02 training workshops conducted for women on Enterprise Develop-
ment Training (EDT) in Bagh & Neelum district.

c). Professional development

To ensure efficient, successful and
sustainable delivery of services to
the communities NRDP focused on
enhancing the skills and
competencies of its staff. In this way
a positive and real change could
brought within their attitudes and
behaviors. The statistical detail of
trainings delivered to staff by NRDP
is shown in the following table;

Sr.# # of # of Pax
Topic of CB Workshop Total
Activities Men Women
1 Field communication Skills 2 28 31 59

2 Negotiation and Facilitation skills 3 51 48 99

3 Orientation Training workshop 1 9 17 26

4 Social mobilization 1 8 11 19

Total 7 96 107 203

36
7.2 PLANING, MONITORING, EVALUATION & RESEARCH
NRDP has a multitude of research, monitoring and evaluation services for its
various levels of programs, within and across the organization. By suiting the
methodology to the needs of the organisation, NRDP is able to integrate
findings and methods into the
organizational structures with ease
and also with impact. Planning,
Monitoring, Evaluation & Research
(PMER) unit is a program support
unit of NRDP and given high priority
in NRDP approach. The main
purpose of this unit is to Provide
Program Support to program
Development, Implementation,
Evaluation, and Research.

One of the important elements in an effective management of an

organization is to have an effective Monitoring and Evaluation system. As per
NRDP, M & E is not seen as “fault finding” exercise but it is the process and
review of achievements of the project / program or organization and it
provides and uses the lesson learnt from the past experiences to repeat
successes and avoid mistakes in the future. PMER unit is also responsible for
conducting baseline surveys, research studies in the target area / other than
target area as per need and requirement.

NRDP believes that M&E is the key element in the effective management of
programs as well as organization. It helps the sound execution of
implemented projects and as well as helps in the decision making process.
The prime objective of the M&E is to gauge and assesses the performance to
know the development results. It identifies the gaps, constraints and
problems as well as recognizes future trends, challenges and opportunities.

During 2009-10 PMER took the lead role to plan the NRDP’s Strategic
Program. In this connection a planning workshop was organized for the
Programs where approaches and strategies were chalked out against the
committed outcomes of the Programs. This workshop enhanced the staff's
level of understanding about the core philosophy of the programme,
outcomes and intervention strategy.

Activities carried out by PMER unit:

• Monitoring & Mid-term Evaluations
• Baseline Survey for Non formal Education program
• Field Surveys for Benchmarking Data
• Social Researches (Problem & Need Identification Survey)
• Situation Analysis on Violence against Women (VAW)
• Participatory Rapid Humanitarian Needs Assessment (PRHNA) for flood
areas.
• Development of Extremely Vulnerable Individuals / Families (EVI/F)
profiles.

37
REVIEW 2009-10 Review of the Organization and its Operations
This review was carried out as the first step of the overall assignment. A
detailed exercise was carried out in the first Phase and the existing strategic
planning function and process being used by the organization was reviewed
among other functions.

PMER Unit has also documented and analyzed the current vision, mission, goals
and objectives of the organization.

A Strategic Planning Workshop was held and conducted by PMER Unit with the
assistance of top management for revisiting the various strategic planning
components including vision, mission, goals and objectives are their suitable
modification. The manner in which the workshop was conducted was focused to
ensure full participation from the core people of the NRDP ultimately resulting
in consensus over the components of strategic plan. The entire team of NRDP
was divided into two groups and one representative from PMER Unit was made
part of the group for facilitation purpose. PMER Unit was also engaged in the
group activity to provide a more in-depth input in the modification process.

Following activities were performed in the strategic workshop:

Overview of Strategic Planning Process:

An overview of the complete strategic planning and process was provided to
the participants to develop understanding and providing a basis for the
complete process by PMER unit.

Vision Setting: The first step of the strategic planning process was to
rethink and modify if necessary the vision of the organization. The participants
were briefed about the methodology to follow for vision setting and given the
task to prepare a new vision for the organization. Drafts prepared by the groups
were then discussed and analyzed.

Establishing the Mission: This activity was carried out in a similar fashion
to vision setting Mission statements prepared by both the groups were
questioned, analyzed, modified.

SWOT Analysis for NRDP: The next step in the workshop was to carry
out a SWOT Analysis for the organization. After a detailed briefing groups
carried out the activity under supervision of the workshop coordinator and
facilitation from PMER Unit. Strengths, Weaknesses, Opportunities and Threats
identified by each group were presented by one representative of the group
and other participants analyzed the identified SWOTs to determine their
meaning for the organization. At the end of the activity a single set of SWOTs
was finalized.

38
Developing Goals and Objectives: The final group activity was
development of goals and objectives for the organization. This was carried out
as a single group and specific and quantified goals and objectives were
determined to be obtained over a period of five years.

Strategy Implementation and Control: At the end of the workshop,

participants were briefed about tools that should be used for strategy
implementation and control for the achievement of defined goals and
objectives.

Strategic Plan: The first component of the Strategic Business Plan covering
vision, mission, goals and objectives and SWOT Analysis.

Business Plan: The second component of the strategic plan covering of

program interventions by 2015.
Strategic Plan For

Our vision
“To create an environment where development opportunities are available to all
the people of the area without any distinction of gender, creed and religion”

Our Mission
“Empowerment of low-income communities to improve their quality of life on
sustainable basis”

Objectives
To support initiatives for sustainable community based gender sensitive
development with particular focus on health, education, agriculture and micro
credit/micro enterprise development.

To initiate structured advocacy campaign related to women & child rights

issues.

To build and strengthen the technical and management capacity of

development organizations (CBOs, NGOs, WOs and Govt. line departments)

39
 SWOT ANALYSIS
Strengths
• Good Leadership
• Qualified Staff;
• Past Experience;
• Knowledge of the Area;
• Positive Image of NRDP in the Community;
• Better Community Participation/Cooperation;
• Effective Networking and Linkages with GOs, NGOs, CDOs & Donors.
• Direct Access to Community at Grass Root Level;
• Established SOPs;
• Low Staff Turnover; and
• Community Based /Demand Driven Projects.

Weaknesses
• Lack of Resources;
• Dependency on Grants and Donations;
• Under Staffing;
• Staff Mobility;
• Weak Monitoring and Evaluation System;

Opportunities:
• High Demand of MC & ED Program in Target Area;
• Neglected, oppressed communities
• Less Competitors;
• Absence of Government Social Services;
• Conducive Environment from Government Policies/Regularity;
• Donor Availability and Willingness; and
• Availability of Technical Support in Various Areas.

Threats
• Emerging Competitors;
• Risk of Adverse Government Legislation;
• Migration Risk due to Area Sensitivity;
• Effect of Inflation on Repayment Power of Borrowers;
• People Attitude;
• Culture &Traditions
• Political Pressures;
• Agencies Intervention;
• Resistance to Accept Change;
• Micro Management by Donors; and
• Non-availability of Qualified Human Resource

40
CONSOLDATED FINANCIAL REPORT
2009-10

41
 Established Since 1947

Horwath Horwath Hussain Chaudhury & Co.

Chartered Accountants
TM
167-A Adamjee Road,
Rawalpindi-46000 Pakistan
Tel: (92-51) 5568680-5564593
Dir.: (92-51) 5581678
Fac: (92-51) 5581677
mhc@dsl.net.pk
www.horwath.pk
AUDITORS’ REPORT
OF
NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)

We have audited the annexed Balance Sheet of “NAROWAL RURAL DEVELOPMENT

PROGRAM (NRDP)” as at June 30, 2010 and related Income and Expenditure Account
together with the notes forming part thereof, for the year then ended.

It is the responsibility of the organization’s management to prepare and present the above said
financial statements. However, we only assisted the management to prepare the financial
statements from the record maintained by the foundation. Our responsibility is to express an
opinion on these statements baed on our audit.

We conducted our audit in accordance with the auditing standards as applicable in Pakistan.
These standards require that we plan and perform the audit to obtain reasonable assurance
about whether the above said statements are free of any material misstatement. An audit
includes examining, on a test basis, evidence supporting the amounts and disclosures in the
above said statements. An audit also include assessing the accounting policies and significant
estimates made by management, as well as, evaluating the overall presentation of the above
said statements We believe that our audit provides a reasonable basis for our opinion and after
due verification.

In our opinion and to the best of our information and according to the explanations given to us,
we have found the Balance sheet of “NAROWAL RURAL DEVELOPMENT PROGRAM
(NRDP)” as at June 30, 2010 and the related Income and Expenditure Account for the year
ended to be in order and in accordance wit the record provided to us. We are satisfied that the
amount of grants shown in the statement of accounts have been spent on the objects for which
they were made within the specified limit. We have also satisfied ourselves about the propriety
of disbursement made from the grants.

Place: Rawalpindi. (HORWATH HUSSAIN CHAUDHURY & CO.)

Dated: CHARTERED ACCOUNTANTS

Horwath Hussaain Chaudhury & Co. Is a member of Horwath International, a worldwide network of independent accounting and management consulting firms
Offices also at Lahore, Karachi & Islamabad

42
NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)
BALANCE SHEET
AS AT JUNE 30, 2010

2010 2009
FUND AND LIABILITIES NOTE --------(Rupees)----------

Accumulated fund 3 2,159,579, 7,808,184

NON-CURRENT LIABILITIES
Loan from directors 642,700 1,060,000
Deferred grant 4 2,980,620 564,920
3,623,320 1,624,920
CURRENT LIABILITIES
Payable to PPAF 5 26,061,250 18,833,333
Accrued and other liabilities 6 2,876,572, 1,971,446
Provision for doubtful debts 7 532,924 198,476
29,470,746 21,003,255

35,253,645 30,436,359
ASSETS
NON-CURRENT ASSETS
Property, plant and equipment 8 9,114,301 5,950,301

CURRENT ASSETS
Micro credit portfolio 9 17,764,131 14,671,189
Other receivables 10 750,395 -
Advances, deposits and prepayments 11 3,258,874 3,001,100
Cash and bank balances 12 4,365,944 6,813,769
26,139,344 24,486,058

35,253,645 30,436,359
AUDITORS’ REPORT ANNEXED:
Note: The annexed notes form an integral part of these financial statements.

EXECUTIVE DIRECTOR FINANCE MANAGER

PLACE: RAWALPINDI
DATED:

43
 NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)
INCOME AND EXPENDITURE ACCOUNT
FOR THE YEAR ENDED JUNE 30 2010

2010 2009
NOTE --------(Rupees)----------

INCOME
Grants 13 10,870,645 10,263,327
Donations 761,732 436,810
Other income 14 7,539,079 7,807,872
19,171,456 18,508,009

EXPENDITURE
Project expenses 15 (15,331,938) (9,598,300)
Administrative expenses 16 (9,488,123) (11,446,642)
(24,820,061) (21,044,942)

Deficit for the year transferred to accumulated fund (5,648,605) (2,536,933)

Note: The annexed notes form an integral part of these financial statements

EXECUTIVE DIRECTOR FINANCE MANAGER

PLACE: RAWALPINDI
DATED:

44
NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED JUNE 30, 2010

1 THE ORGANIZATION AND ITS STATUS

Narowal Rural Development Program (NRDP) is a non-government, non-profit organization,
working for social and economic uplift of deprived, neglected, oppressed communities in the
remotest areas of District Narowal (Punjab), above the caste, creed, religion and other group
boundaries. NRDP was established in 1992 by a group of volunteers and registered in 1995
under Registration & Control Ordinance 1961.
The mission of NRDP is “the empowerment of low income communities to improve their
quality of life on sustainable basis”.

2 SIGNIFICANT ACCOUNTING POLICIES

These financial statements have been prepared in accordance with International Accounting
Standards (IAS). Following accounting policies are consistently used in the preparation of
these financial statements
2.1 Accounting Convention
These Financial statements shave been prepared under historical cost convention without
any adjustment for the effects of inflation or current values.
2.2 Property, Plant and Equipment
Property, plant and equipment are stated at cost less accumulated depreciation.
Depreciation is charged on the reducing balance method, so as to write off the
depreciable amount of an asset over its estimated useful life, at the annual rates
mentioned in the schedule of property, plant and equipment. Full year’s depreciation is
charged on additions to property, plant and equipment in the year it is acquired while no
depreciation is charged in the year of disposal. Gains and/or losses on disposal of an item
of property, plant and equipment are recognized as income or expense in income and
expenditure account for the year.
2.3 Taxation
The Society, being a welfare and charitable institution by virtue of its memorandum of
association that prohibits distribution of profits among its members, is exempt from
income tax under Clause 92 of Income Tax Ordinance 2001.
2.4 Provision for bad and doubtful debts
Provision for bad and doubtful debts is made on monthly basis in the following manner:
Overdue for:
1-30 days 10% of outstanding balance
31-60 days 40% of outstanding balance
61-90 days 65% of outstanding balance
91-180 days 85% of outstanding balance
More than 180 days 100% of outstanding balance
2.5 Revenue recognition
Grants, donations and other income are recognized on receipt basis.
2.6 Capital grant recognition
Capital grant is amortized over the useful life of the asset for which it is received.
2.7 Service charges recognition
Service charges are recognized on accrual basis.

45
 2010 2009
--------(Rupees)----------
3 ACCUMULATED FUND
Balance at the beginning of the year 7,808,184 10,345,117
Deficit for the year (5,648,605) (2,536,933
Balance at the end of the year 2,159,579 7,808,184

4 DEFERRED GRANT
Opening balance 564,920 -
Grant received during the year 3,285,991 724,638
Amortization for the year (870,291) (159, 718)
2,980,620 564,920
5 PAYABLE TO PPAF
Balance at the beginning of the year 18,833,333 10,312,499
Received during the year 29,500,000 23,500,000
Paid during the year (22,272,083) (14,979,166)
Balance at the end of the year 26,061,250 18,833,333

6 ACCRUED AND OTHER LIABILITIES

Service charges payable to PPAF 1,860,181 1,506,667
Audit fee 70,000 70,000
Staff welfare fund 6.1 326,668 291,232
Payable to Barlas company 16,222 -
Accrued expenses 603,501 85,423
Withholding tax payable - 18,124
2,876,572 1,971,446
6.1 Staff welfare fund
Opening balance 291,232 297,732
Contribution during the year 35,436 -
Paid during the year - (6,500)
326,668 291,232
7 PROVISION FOR DOUBTFUL DEBTS
Balance at the beginning of the year 198,476 198,476
For the year 334,448 -
Bad debts during the year - -
Balance at the end of the year 532,924 198,476

8 PROPERTY, PLANT AND EQUIPMENT

(Schedule annexed) 9,114,301 5,650,301

9 MICRO CREDIT PORTFOLIO

Micro credit PPAF
Balance at the beginning of the year 14,671,189 12,479,826
Prior year adjustment 9.1 71,170 (2,349,838)
Disbursements during the year 29,500,000 23,500,000
Recovery during the year (26,478,228) (19,055,467)
Balance at the end of the year 17,764,131 14,574,521
Micro credit NRDP - 96,668
17,764,131 14,671,189

46
 2010 2009
--------(Rupees)----------
9.1 Prior year adjustment
It represents understatement of opening balance of Micro credit

10 RECEIVABLE
Grant receivable from UNDP 750,395 -
Grant receivable from PPAF - -
750,395 -

11 ADVANCES, DEPOSITS AND PREPAYMENTS

Advance salary - 36,000
Advance for teacher training - 47,710
Service charges receivable from micro credit 3,258,874 2,347,390
Advance for Violence Against Women project - 570,000
3,258,874 3,001,100
12 CASH AND BANK BALANCES
Cash in hand 1,442 149,208
Cash at bank:
Habib Bank Limited:
A/c # 2740-73 450 1,455,551
A/c # 3920-03 3,743 499,627
A/c # 549-03 16,661 76,884
A/c # 550-03 19,800 237,350
A/c # 73617-03 998 33,189
A/c # 967-9 560,421 663,883
A/c # 0441-01 - 4,546
A/c # 266135-03 27,159 1,196,222
A/c # 2492-01 1,151,955 1,168,017
A/c # 65274-03 904,385 14,186
A/c # 291588-03 37,189 1,730
A/c # 4812-01 854,297 -
3,577,058 5,351,185
United Bank Limited:
A/c # 0002-6 524 25,674
A/c # 0091-8 429,255 223,832
A/c # 3353-7 193,178 1,057,385
622,957 1,306,891
Allied Bank Limited:
A/c # 1964-5 - 6,485

Bank Alfalah Limited:

A/c # 02900048 1,341 -
A/c # 02900047 163,146 -
164,487 -
4,365,944 6,813,769

47
 2010 2009
--------(Rupees)----------
13 GRANTS
Grants from PPAF 6,583,659 5,090,353
Grant from Unilever - 250,000
Frant from FTM - 1,469,256
Grant from UNOPs 3,274,395 3,145,000
Grant from UNDP - 99,000
Grant from Environmental Protection Agency 50,000 50,000
Fund from PID 92,300 -
Amortization of capital grant 870,291 159,718
10,870,645 10,263,327
14 OTHER INCOME
Membership fee 16,000 15,130
School fee 273,890 121,370
Training fee ASF - 58,000
Health fee 118,795 169,155
Consultancy fee - 846,000
Processing fee 594,530 470,000
Form fee 33,270 18,495
Fines received on late installments of Micro credit 5,025 1,728
Contingency fee 112,750 63,850
Bank profit 239,796 52,208
Service charges from micro credit 5,273,150 5,390,633
Gain/loss on disposal of assets 157,547 385,640
Vocational centre fee 3,360 6,410
Rent of training hall 9,000 124,500
Facilitation charges 662,780 81,203
Miscellaneous income 39,186 3,550
7,539,079 7,807,872
15 PROJECT EXPENSES
Capacity building project-PPAF - 1,094,497
Health project-PAFF 1,890,321 753,558
Education project-PPAF 8,401,453 2,181,195
Material of literacy-FTM project - 177,800
Violence against women project-UNOPs 3,031,452 1,838,216
Entrepreneur product development - 69,940
Environmental Protection project 13,114 75,954
Exposure visit PID 78,665 -
Service charges paid to PPAF 1,916,933 3,407,140
15,331,938 9,598,300

48
 2010 2009
--------(Rupees)----------

16 ADMINISTRATIVE EXPENSES
Salaries 4,432,303 4,342,865
Staff training 85,000 305,346
Employees welfare - 397,732
Consultancy fee paid 871,200 395,231
POL 634,088 1,511,003
Office supplies 90,195 253,159
Office expenses - 417,885
Office rent 341,483 46,000
Repair and maintenance 61,333 714,102
Entertainment 50,710 178,643
Traveling and conveyance 94,597 403,270
Printing and stationery 199,336 446,606
Audit fee 70,000 70,000
Utility bills 75,635 380,484
Provision for doubtful debts 334,448 198,476
Postage and communication 128,626 138,516
Bank charges 184,601 149,541
Advertisement 145,313 42,800
Facilitation charges - 4,490
Exposure visit 124,462 -
Research & training expenses (Islamic banking) 50,000
Miscellaneous expenses 4,347 194,388
Depreciation 1,510,446 856,105
9,488,123 11,446,642

17 GENERAL
- Figures have been rounded off to the nearest rupee.

49
NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)
SCHEDULE OF PROPERTY, PLANT AND EQUIPMENT
AS AT JUNE 30, 2010
Cost Depreciation W.D.V
As at As at As at For the As at As at Rate
Particulars Additions (Deletions) Adjustments
01-07-2009 30-06-2010 01-07-2009 year 30-06-2010 30-06-2010 %
--------------------------------------------------------------------(Rupees)--------------------------------------------------------------------
Land 30,000 60,000 (60,000) 30,000 - - - 30,000 -
Building 1,702,750 - - 1,702,750 197,570 - 75,259 272,829 1,429,921 5
Furniture and fixture 1,234,839 335,000 - 1,569,839 412,782 - 115,706 528,488 1,041,351 10
Medical equipment 246,820 86,900 - 333,720 91,069 - 24,265 115,334 218,386 10
Office equipment 529,040 - - 529,040 180,340 - 34,870 215,210 313,830 10
Computer and printers 1,637,988 878,850 (30,000) 2,486,838 1,064,616 (14,056) 478,711 1,529,271 957,567 33.33
Projector 90,500 - - 90,500 37,060 - 5,344 42,404 48,096 10
Electric equipment 127,373 215,851 - 343,224 70,186 - 27,304 97,490 245,734 10
Vehicles and motor bikes 4,201,109 1,769,390 (928,500) 5,041,999 1,961,622 (581,991) 732,474 2,112,105 2,929,894 20
Training equipment 203,860 - - 203,860 38,733 - 16,513 55,246 148,614 10
Capital work in progress - 1,750,908 - 1,750,908 1,750,908
2010 10,004,279 5,096,899 (1,018,500) 14,082,678 4,053,978 (596,047) 1,510,446 4,968,377 9,114,301
2009 11,309,641 724,638 (2,030,000) 10,004,279 4,188,513 (990,640) 856,105 4,053,978 5,950,301

50
 FINANCIAL REPORT OF THE
MICRO CREDIT & ENTERPRISE
DEVELOPMENT PROGRAM 2009-10

51
 Established Since 1947

Horwath Horwath Hussain Chaudhury & Co.

Chartered Accountants
TM
167-A Adamjee Road,
Rawalpindi-46000 Pakistan
Tel: (92-51) 5568680-5564593
Dir.: (92-51) 5581678
Fac: (92-51) 5581677
mhc@dsl.net.pk
www.horwath.pk
AUDITORS’ REPORT
OF
NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)
MICRO CREDIT & ENTERPRISE DEVELOPMENT PROGRAM

We have audited the annexed Balance Sheet of “NAROWAL RURAL DEVELOPMENT

PROGRAM (NRDP) MICRO CREDIT & ENTERPRISE DEVELOPMENT
PROGRAM” as at June 30, 2010 and related Income and Expenditure Account together with
the notes forming part thereof, for the year then ended.

It is the responsibility of the organization’s management to prepare and present the above said
financial statements. However, we only assisted the management to prepare the financial
statements from the record maintained by the foundation. Our responsibility is to express an
opinion on these statements baed on our audit.

We conducted our audit in accordance with the auditing standards as applicable in Pakistan.
These standards require that we plan and perform the audit to obtain reasonable assurance
about whether the above said statements are free of any material misstatement. An audit
includes examining, on a test basis, evidence supporting the amounts and disclosures in the
above said statements. Am audit also include assessing the accounting policies and
significant estimates made by management, as well as, evaluating the overall presentation of
the above said statements We believe that our audit provides a reasonable basis for our
opinion and after due verification.

In our opinion and to the best of our information and according to the explanations given to us,
we have found the Balance sheet of NAROWAL RURAL DEVELOPMENT PROGRAM
(NRDP) MICRO CREDIT & ENTERPRISE DEVELOPMENT PROGRAM” as at June
30, 2010 and the related Income and Expenditure Account for the year ended to be in order and
in accordance wit the record provided to us. We are satisfied that the amount of grants shown
in the statement of accounts have been spent on the objects for which they were made within
the specified limit. We have also satisfied ourselves about the propriety of disbursement made
from the grants.

Place: Rawalpindi. (HORWATH HUSSAIN CHAUDHURY & CO.)

Dated: CHARTERED ACCOUNTANTS

Horwath Hussaain Chaudhury & Co. Is a member of Horwath International, a worldwide network of independent accounting and management consulting firms
Offices also at Lahore, Karachi & Islamabad

52
NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)
MICRO CREDIT & ENTERPRISE DEVELOPMENT PROGRAM
BALANCE SHEET
AS AT JUNE 30, 2010

ASSETS Note AMOUNT

(Rupees)
Non-current assets
Property, plant and equipment 5 2,599,797

Current assets
Cash and bank balances 6 3,905,500
Micro credit portfolio 7 17,764,131
Service charges receivable 8 3,258,874
Advances, prepayments and other receivables 9 4,391,619
Total current assets 29,320,124
Total assets 31,919,921

LESS: LIABILITIES

Non-current liabilities
Deferred grant 10 1,742,069
Current liabilities
Payable to PPAF 11 26,061,250
Service charges payable 12 1,860,181
Total current liabilities 27,921,431
Total liabilities 29,663,500
NET ASSETS 2,256,421

REPRESENTED BY:
General fund 13 1,723,497
Reserves 14 532,924
2,256,421

AUDITORS’ REPORT ANNEXED:

Note: The annexed notes form an integral part of these financial statements.

EXECUTIVE DIRECTOR FINANCE MANAGER

PLACE: RAWALPINDI
DATED:

53
 NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)
MICRO CREDIT & ENTERPRISE DEVELOPMENT PROGRAM
INCOME AND EXPENDITURE
FOR THE YEAR ENDED JUNE 30, 2010

Note AMOUNT
(Rupees)

Grants 15 898,872
Service charges on micro credit 5,273,150
Other income 16 977,411
7,149,433
Financial charges (1,916,933)
Net financial margin 5,232,500
Provision against non-performing loan - net -
Operating income after provision 5,232,500

EXPENDITURE:
Salaries, wages and other benefits 1,718,827
General and administrative expenses 17 1,987,798
(3,706,625)
Net operating surplus 1,525,875

Note: The annexed notes form an integral part of these financial statements.

EXECUTIVE DIRECTOR FINANCE MANAGER

PLACE: RAWALPINDI
DATED:

54
NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED JUNE 30, 2010

1 THE ORGANIZATION AND ITS STATUS

Narowal Rural Development Program (NRDP) is a non-government, non-profit organization,
working for social and economic uplift of deprived, neglected, oppressed communities in the
remotest areas of District Narowal (Punjab), above the caste, creed, religion and other group
boundaries. NRDP was established in 1992 by a group of volunteers and registered in 1995
under Registration & Control Ordinance 1961.

The mission of NRDP is “the empowerment of low income communities to improve their
quality of life on sustainable basis”.

The principal activity of NRDP is to provide cost effective micro fiance services to poor
women and men in order to enhance their economic role. NRDP is also taking part in financial
and operating support for provision of primary education and basic health facilities through
community based schools and health centers in rural areas in vicinity of Narowal District, in
addition to these functions, NRDP also provides non-financial services, in the form of
training, both to its clients and staff.

2 STATEMENT OF COMPLIANCE
These financial statements have been prepared in accordance with approved accounting
standards as applicable in Pakistan and reporting framework advised by Pakistan Poverty
Alleviation Fund (PPAF).

3 BASIS OF PREPARATION
These financial statements have been prepared under the historical cost convention.

4 SIGNIFICANT ACCOUNTING POLICIES

The significant accounting policies adopted in preparation of these financial statements are set
out below. These policies have been consistently applied to all years prescribed, unless
otherwise stated.

4.1 Cash and cash equivalent

Cash and cash equivalents are carried in the balance sheet at cost.

4.2 Property, Plant and Equipment

Property, plant and equipment are stated at cost less accumulated depreciation. Depreciation
is charged on the reducing balance meoth, so as to write off the depreciable amount of an
asset over its estimated useful life, at the annual rates mentioned in the schedule of property,
plant and equipment. Full year’s depreciation is charged on additions to property, plant and
equipment in the year it is acquired while no depreciation is charged in the year of disposal.
Gain and/or losses on disposal of an item of property, plant and equipment are recognized as
income or expense in the income and expenditure account for the year.

55
 4.3 Income recognition
Service charges and income on loan portfolio are accounted for on accrual basis and collected
with loan installment.
Documentation and loan processing fee collected from micro credit loan customer is
recognized on receipt basis. The fee is charged a the rate of 2% of the loan amount.
Income from health center is recognized on receipt basis and considered as other income.
Donations in kind are recognized at fair value as and when donated items are received.
4.4 Recognition of grants
Funds provided by donors to subsidize operating and administrative expenses are recognized
as grant income, as per terms of agreement with donor.
Funds utilized for acquiring fixed assets are taken to deferred grant and amortized over the
useful life of the asset.
Funds related to capacity building are taken to deferred grant and amortized as actual
expenses incurred on account of capacity building.
4.5 Micro credit loan portfolio
These are stated on actual basis. The outstanding principal of the loans, payments against
which are overdue by over 30 days, is classified as non-performing.
4.6 General provision
General provision is made @ 3 % of the net outstanding loan balances after netting off
specific provisions
4.7 Specific provision
Provision for bad and doubtful debts is made on monthly basis on the following manner:
Overdue for:
1-30 days 10% of outstanding balance
31-60 days 40% of outstanding balance
61-90 days 65% of outstanding balance
91-180 days 85% of outstanding balance
More than 180 days 100% of outstanding balance
4.8 Write offs
All non-performing loans are written off after 360 days. However, the Society continues its
efforts for recovery of the written-off loans. Loans are classified as loss when installments are
overdue for 360 days or more.
4.9 Taxation
The society, being a welfare and charitable institution by virtue of its memorandum of
association that prohibits distribution of profits among its members, is exempt from income
tax under Clause 92 of Income Tax Ordinance 2001.

56
 AMOUNT
(Rupees)

5 PROPERTY, PLANT AND EQUIPMENT 2,299,797

(schedule annexed)
6 CASH AND BANK BALANCES
Cash in hand -
Cash at bank:
HBL Narowal A/C # 4812-01 854,296
HBL Narowal A/C # 2492-01 1,151,954
HBL Narowal A/C # 652-74 904,385
HBL Narowal A/C # 2739-20 3,743
HBL Narowal A/C # 10967 560,421
HBL Narowal A/C # 2740-73 449
HBL Narowal A/C # 617-03 997
UBL Shahpur A/C 0100091-8 429,255
3,905,500
3,905,500
7 MICRO CREDIT PORTFOLIO
Opening Balance 14,645,504
Prior year adjustment 7.1 187
Disbursement during the year 29,500,000
Recovered during the year (26,381,560
17,764,131
7.1: This represent the under statement of opening balance
8 SERVICE CHARGES RECEIVABLE
Opening Balance 2,319,585
Accrued during the year 5,272,858
Recovered during the year (4,333,569)
3,258,874
9 ADVANCES, PREPAYMENTS AND OTHER RECEIVABLES
Receivable from Health project / PPAF 224,491
Grant receivable from PPAF - capacity building 2008 1,138,386
Receivable from Education project / PPAF 597,000
Receivable from VAW project 750,395
Receivable from NRDP 1,681,347
4,391,619
10 DEFERRED GRANT
Opening balance -
Grant received during the year 2,195,741
Amortization for the year (453,672)
1,742,069
11 PAYABLE TO PPAF
Opening Balance 18,833,333
Loan during the year 29,500,000
Paid during the year (22,272,083)
26,061,250

57
 AMOUNT
(Rupees)

12 SERVICE CHARES PAYABLE TO PPAF

Opening Balance 1,506,667
Service charges on loan during the year 1,916,933
Paid during the year (1,563,419)
1,860,181

13 GENERAL FUND
Opening Balance 197,622
Surplus during the year 1,525,875
1,723,497

14 PROVISION FOR DOUBTFUL DEBTS

Opening Balance 198,476
For the year 334,448
Write offs during the year -
532,924

15 GRANTS
Grant for capacity building 445,200
Amortization of capital grant 453,672
898,872
16 OTHER INCOME
Processing fee 594,530
Form fee 33,270
Contingency fee 112,750
Fine on late installment 5,025
Profit on bank deposits 231,836
977,411
17 GENERAL AND ADMINISTRATIVE EXPENSES
Utilities 22,842
POL & maintenance 285,419
Repair & maintenance 20,590
Meeting & traveling 27,000
Communication & postahe 9,882
Recovery Incentives 28,000
Final settlement dues 41,802
Field visit allowance 20,160
Entertainment 2,975
Provision for doubtful debts 334,448
Office supplies 26,132
Office rent 187,047
Bank charges 151,545
Printing and stationery 100,000
Miscellaneous expenses 14,889
Depreciation 715,067
1,987,789

58
 AMOUNT
(Rupees)
18 OSS AND GENDER SEGREGATION
Total Male Female
Clients served 1538 520 1018
Disbursement 29,500,000 10,010,000 19,490,000
Active clients 1464 502 962
18.1:OSS
Operational self sufficiency ratio 127%

18.2: SINCE INCEPTION

Total client served 6745
Male clients 2882
Female clients 3863
Total disbursement 105,500,500

19 PORTFOLIO QUALITY REPORT

The organization’s main measure of loan delinquency is an aged portfolio-at-risk ratio. Loans are
separated into classes depending on the number of days they are over due. For each class of loan,
the aged portfolio- at-risk ratio is calculated by dividing the outstanding principal balance of such
class by outstanding principal balance of the gross loan portfolio.

Loans are considered overdue if any payment has fallen due and remained unpaid for more than 30
days. The number of days of delays based on the difference between reporting date (cut off date) and
the calculation of fully paid installments subtracted from scheduled installments, multiply by the
repayment cycle (30 days) and ading the resulting days in the date of disbursement of loan.

2010
Loan Rupees %age
Current and upto 30 days late 17,764,131 100%
31-60 days - 0%
61-90 days - 0%
91-180 days - 0%
More than 180 days - 0%
17,764,131 100%

The organization does not allow rescheduling or restructuring of loans. During the year, no loans
were rescheduled or restructured.

During the year, loans were disbursed relating to single project with tenures from 12 months, in
accordance with needs of the borrowers. Loan repayments are scheduled on monthly installments
based on repayment terms.

20 GENERAL
- Figures have been rounded off to the nearest rupee.

59
NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)
MICRO CREDIT & ENTERPRISE DEVELOPMENT PROGRAM
SCHEDULE OF PROPERTY, PLANT AND EQUIPMENT
AS AT JUNE 30, 2010
Cost Depreciation
W.D.V
As at As at As at For the As at As at Rate
Particulars Additions 30-06-2010
01-07-2009 30-06-2010 01-07-2009 year 30-06-2010
%
----------------------------------------------------------------(Rupees)----------------------------------------------------------------
Furniture and fixtures 179,825 100,000 279,825 53,494 22,633 76,127 203,698 10
Office equipment 36,650 - 36,650 12,605 2,405 15,010 21,640 10
Computers and printers 864,935 245,000 1,109,935 469,558 213,438 682,996 426,939 33.33
Electric equipment 50,000 81,351 131,351 49,034 8,232 57,266 74,085 10
Vehicles and motor bikes 794,407 1,769,390 2,563,797 222,003 468,359 690,362 1,873,435 20
(Rupees) 1,925,817 2,195,741 4,121,558 806,694 715,067 1,521,761 2,599,797

60
 Annual Progress Report

2010

Written & Compiled by: Planning Monitoring Evaluation & Research Department
Published by: Publication Section
Narowal Rural Development Program
Chowk Jassar Bypass, Circular Road, Narowal (Punjab) Pakistan
Tel: 0092-542-413085 Fax: 0092-542-413085
nrdp2002@yahoo.com