Social Impact Assessment of Microfinance Programmes - weman

The worker’s degree of mobility depends on the type of terrain and the settlement pattern.
In areas with high population density, the FW visits COs and clients on foot, and in areas
where the population is scattered the FW is provided with a motorcycle. Women FWs
work only in areas that have a high population density. For areas with smaller
populations, the Social Organizers will continue providing credit services. Women credit
officers will have vehicles at their disposal to ensure they reach far flung areas, except in
densely populated areas, where they will travel on foot.
7.1.12 Internal Controls
NRSP has a comprehensive MIS with a database for all its programmes. In the new set
up, the credit MIS is not accessible to Credit Officers or Field Workers. The accounting
staff at the district level reports directly to the Regional General Manager and to Finance
and Accounts at the head office. However, in order to ensure the correct postings of data
in the MIS, the Credit Officers are authorized to check the daily postings from the
receipts. In addition, the other principles are:
The CO formation and credit delivery are two distinct processes which must take place
independently of each other:
Only those COs should have access to the rural credit programme, which are
recognized by the Rural Credit Section as viable institutions. For this purpose, the
Rural Credit section will register the COs with NRSP, rather than the person who
formed it;
The credit should always reach the intended client, who must acknowledge the
receipt of the credit from NRSP;
The staff responsible for credit should be able to focus exclusively on credit
operations and should be able to implement a strategy that leads to 100% on time
recovery;
The organizational structure, such as location of offices and staffing patterns,
should make it possible to pursue clients effectively;
The entire process should be transparent;
All credit disbursement and recovery activities should be implemented in a
planned manner;
The system should allow performance evaluation of staff on the basis of
predefined criteria. For example, the Social Organizers will be evaluated on the
quality and performance of the COs they form, and credit staff on the credit
outreach and the quality of the loan portfolio.
7.2 Urban Poverty Alleviation Project (UPAP)
UPAP began its operations in June 1996 in the urban and peri-urban areas of Rawalpindi
and Islamabad. Since then it has been testing various strategies and adopting the best
ones to cope with the field realities. Having successfully established UPAP as a
microcredit delivery model, NRSP decided to initiate UPAP operations in some of
Pakistan’s major cities. The first expansions were in Faisalabad and Karachi in 2002. The
10