Ehsaas’ Kafaalat Programme

2020

The profiling criteria applied exclude women or their spouses who: (i) have travelled abroad; (ii) have one or more vehicles registered in their name; (iii) have monthly telephone bills (either landline or mobile) of on average of over PKR1,000; (iv) have applied for a passport via an executive centre; (v) belong to a family where three or more members applied for their CNIC with executive fees; or (vi) are government employees at the federal or provincial level or work for the national railways, the post office or the BISP

In total, EK plans to expand coverage to a total of 7 million poor households

Budget allocation: Rs. 3 billion to cover all the families in the 219 villages on the line of control

Total number of expected Kafaalat beneficiary women: around 7 million New enrollment - in 70 districts: • Begun by enrolling 1 million families in 70 districts.These families will start receiving Kafaalat stipends from February to March 2020. • More beneficiary families will be added through desk registration over the course of the year Other districts will be covered by end of the year All existing eligible beneficiaries of BISP will continue to be part of Kafaalat

Low income women, Poor Households (PHHs)

• Only the destitute are eligible under Kafaalat • Government servants and their spouses, taxpayers, car owners, people with history of multiple foreign travels are not eligible under Kafaalat. Data analytics will be used to exclude individuals on these parameters.

All existing eligible beneficiaries of BISP will continue to be part of Kafaalat

Cash

PKR 2,000 per month

Monthly

• Payment will be made through the new biometric Ehsaas Digital Payment System which will ensure transparency in payments. • Under this, women will draw money from Point of Sales (PoS) agents, dedicated branches and Biometric enabled ATMs of Habib Bank and Alfalah Bank. • Biometrically enabled ATMs have been opened for the first time, which means that women will not be hostage to Point of Sales agents and touts who used to deduct money from them, fraudulently • Designated bank branches have been opened for these poor women for the first time so that they can draw money with dignity • Each woman will have a bank account linked to her mobile phone to enable her to access economic opportunities

Regarding beneficiary identification, it is important to note that both the BISP and EK operate based on the NSER, which is Pakistan’s main unified registry, established by the national Poverty Score Card Survey in 2010 and covering 27 million households or roughly 85 per cent of the population at this point. However, this survey was executed by pen and paper and did not provide for any ex-post updating of beneficiary data—for example, in the event of a change in the socio-economic situation of a household, or postsurvey registration through web- or desk-based registration of households missed in the 2010 survey round. This means that an update of beneficiary information as is currently under way through a new, digital survey with provisions for ongoing registration and desk-based enrolment is a pressing need. Furthermore, EK now uses data analytics on a number of profiling criteria (such as government employment, tax data, car ownership and travel history) that serve as exclusion criteria to address the BISP’s high inclusion errors

Act 2010 (No XVIII of 2010)