Annual ProgressReport

2010

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DLooking back on the past 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 BaigExecutive Director

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SAF Asia Foundation

ACSM Advocacy Communication & Social Mobilization

AJK Azad Jammu Kashmir

AUS-Aid 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

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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 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

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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.

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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

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.

Cross Cutting Themes:• Gender equality

• Child and youth rights

• Inter-Faith Harmony

• Stakeholder participation

• Advocacy, Networking & linkages

• Sustainability

Values of NRDP:• Community Focused

• Humanity Benefiting

• Accountability and Transparency

• Trust and Commitment

• Creativity and Equity

• Goal orientation & Effectiveness

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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”

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2.1

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Preception of social Mobilization

Socia

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Social Mobilization

CommunityOrganization

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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 &

organize communities for sustainable development.

• Make village organizations devel-opment oriented, sustainable and responsive to local needs and priori-ties

• Motivation and organizing commu-nities to carry out development through mutual self help and in part-nership with government and non government agencies.

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NRDP

CDO

MC&ED Education Health Women Other Dev.initiatives

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

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

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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.

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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 FORSUSTAINABLE CHANGE

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2.2 MICRO CREDIT & ENTERPRIZED DEVELOPMENT “Eradicate Extreme Poverty and Hunger”

NRDP is empowering marginalized, deprived, neglected, oppressed and poorest sections of the society through Micro Credit & Enter-prise Development program since 1998 at 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

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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.

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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;

SECTOR WISE & GENDERWISE LOAN DISBURSEMENT

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 Loan July 2009-June 2010

10%

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34%

Agriculture Livestock Commerce

Gender wise Disbursement July 2009-June 2010

2,015,000

137 679 202 61 134 325

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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

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Loan Disbursement since inception till June 2010

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.

5,576,000

44,625,000

10,792,000

5,291,000

10,242,000

28,974,000

Agriculture Livestock Commerce

AmountWomen

AmountMen

Disbursment Growth ChartGender wise Disbursement

Since Inception till June 2010

2009-102008-092007-082006-072005-062004-05

35,000,000

30,000,000

22,000,000

18,000,000

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6,000,000

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Y Breaking Clutches of Poverty

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.

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A rising story of endless courage

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.

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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

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.

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

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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

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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.

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The village community and school children acquired knowledgeand were sensitized.

Activities carried out during the reported period.

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

S. # Activities # of # of Participants Total

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 &

fathers on hand washing practices 8 8 146 287 433

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

going children on hand washing practices 8 10 1115 1019 2134

5 Distribution of IEC Materials and Soaps 8 5 1115 1019 2134

Total 17 53 3137 4109 7246

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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-ics, health and social services, youth and community development, and civic engagement to improve student 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:

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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

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Name of Training Duration No. of Teacher

Men Women TotalTraining 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

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.

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.

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YCommunity 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 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.

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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.

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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:

Name of Activities

No. of No. of Participants

Activities Male Female Total

Speech & Quiz Competition at School & collage ” 4 585 742 1327level ‘Environmental pollution & our responsibility

Seminar on Environmental pollution & role of 1 115 290 405Society in its elimination

Awareness raising walk at district level 1 110 287 397

Total 6 810 1319 2129

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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.

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 “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.

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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.

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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.

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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.

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.

Sr. Name of Training

No. of

# 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

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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 resources.

CDD brings together, in a practical manner, participatory approaches, subsidiary in governance, community 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.

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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.

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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.

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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 Rivers to overflow their banks. Almost all of Pakistan regularly experiences earthquakes ranging from moderate to severe in intensity.

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.

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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.

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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 intervention to be able to take responsibility for their own development by 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 developmentc) 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.

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.

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L SU

PPO

RT

ME

CH

AN

ISM

S

Sr.# Topic of CB Workshop

# of # of Pax 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

35

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

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.# Topic of CB Workshop

# of # of Pax 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

Sr.# Topic of CB Workshop

# of # of Pax 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 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.RE

VIE

W 2

009-

10

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 ANALYSISStrengths

• 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

41

CONSOLDATED FINANCIAL REPORT2009-10

42

AUDITORS’ REPORTOF

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. Dated:

(HORWATH HUSSAIN CHAUDHURY & CO.)CHARTERED ACCOUNTANTS

Horwath Hussain Chaudhury & Co.Chartered Accountants

167-A Adamjee Road,Rawalpindi-46000 PakistanTel: (92-51) 5568680-5564593Dir.: (92-51) 5581678Fac: (92-51) 5581677mhc@dsl.net.pkwww.horwath.pk

Established Since 1947

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

HorwathTM

NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)BALANCE SHEETAS AT JUNE 30, 2010

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

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

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

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

CURRENT ASSETSMicro credit portfolio 9 17,764,131 14,671,189Other receivables 10 750,395 - Advances, deposits and prepayments 11 3,258,874 3,001,100Cash 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: RAWALPINDIDATED:

43

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

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

INCOMEGrants 13 10,870,645 10,263,327Donations 761,732 436,810Other 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: RAWALPINDIDATED:

44

NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)NOTES TO THE FINANCIAL STATEMENTSFOR 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 balance2.5 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) 2,980,620 564,9205 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) 326,668 291,2327 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 3,001,10012 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 7,807,87215 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

Land 30,000

60,000 (60,000)

30,000 -

-

- 30,000

-B

uilding 1,702,750

- -

1,702,750 197,570

- 75,259

272,829 1,429,921

5Furniture and fixture

1,234,839 335,000

- 1,569,839

412,782 -

115,706 528,488

1,041,351 10

Medical equipm

ent 246,820

86,900 -

333,720 91,069

- 24,265

115,334 218,386

10O

ffice equipment

529,040 -

- 529,040

180,340 -

34,870 215,210

313,830 10

Com

puter and printers 1,637,988

878,850 (30,000)

2,486,838 1,064,616

(14,056) 478,711

1,529,271 957,567

33.33Projector

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 w

ork 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

NA

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--------------------------------------------------------------------(Rupees)--------------------------------------------------------------------

(Deletions)

50

FINANCIAL REPORT OF THEMICRO CREDIT & ENTERPRISE

DEVELOPMENT PROGRAM 2009-10

51

52

AUDITORS’ REPORTOF

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. Dated:

(HORWATH HUSSAIN CHAUDHURY & CO.)CHARTERED ACCOUNTANTS

Horwath Hussain Chaudhury & Co.Chartered Accountants

167-A Adamjee Road,Rawalpindi-46000 PakistanTel: (92-51) 5568680-5564593Dir.: (92-51) 5581678Fac: (92-51) 5581677mhc@dsl.net.pkwww.horwath.pk

Established Since 1947

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

HorwathTM

NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)MICRO CREDIT & ENTERPRISE DEVELOPMENT PROGRAMBALANCE SHEETAS AT JUNE 30, 2010

ASSETS Note AMOUNT (Rupees) Non-current assetsProperty, plant and equipment 5 2,599,797

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

LESS: LIABILITIES

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

REPRESENTED BY:General fund 13 1,723,497Reserves 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: RAWALPINDIDATED:

53

NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)MICRO CREDIT & ENTERPRISE DEVELOPMENT PROGRAMINCOME AND EXPENDITUREFOR THE YEAR ENDED JUNE 30, 2010

Note AMOUNT (Rupees)

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

EXPENDITURE:Salaries, wages and other benefits 1,718,827General 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: RAWALPINDIDATED:

54

NAROWAL RURAL DEVELOPMENT PROGRAM (NRDP)NOTES TO THE FINANCIAL STATEMENTSFOR 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 3,905,5007 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) 3,258,8749 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 4,391,61910 DEFERRED GRANT

Opening balance - Grant received during the year 2,195,741 Amortization for the year (453,672) 1,742,06911 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 453,672 898,87216 OTHER INCOME Processing fee 594,530 Form fee 33,270 Contingency fee 112,750 Fine on late installment 5,025 Profit on bank deposits 231,836 977,41117 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

Furniture and fixtures 179,825

100,000 279,825

53,494 22,633

76,127 203,698

10 O

ffice equipment

36,650 -

36,650 12,605

2,405 15,010

21,640 10

Com

puters and printers 864,935

245,000 1,109,935

469,558 213,438

682,996 426,939

33.33 Electric equipm

ent 50,000

81,351 131,351

49,034 8,232

57,266 74,085

10 Vehicles and m

otor bikes 794,407

1,769,390 2,563,797

222,003 468,359

690,362 1,873,435

20 (R

upees) 1,925,817

2,195,741 4,121,558

806,694 715,067

1,521,761 2,599,797

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60

Written & Compiled by: Planning Monitoring Evaluation & Research DepartmentPublished 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

Annual Progress Report

2010