There is an increasing role of complementary interventions in determining sustainable impact of cash transfer on uptake of education and health services, nutrition outcomes, and in improving livelihoods to increase the chance of graduation from poverty. Global experience suggests that where programmes are combined with complementary, well-sequenced interventions, they have greater potential. The programme has four closely associated and complementary components including Waseela-e-Rozgar (Technical & Vocational Training), Waseela-e-Haq (Micro-finance), Waseela-e-Sehat (Life & Health Insurance) and Waseela-e- Taleem (Primary Education).
BISP launched Health Insurance Scheme called “Waseela-e-Sehet Initiative” in 2010 in Faisalabad district on Pilot basis. The core objective of Waseela-e-Sehet Pilot Project was to protect the underprivileged and vulnerable population from economic consequences of potential health shocks and steer out of the catastrophic illnesses by providing social assistance through a health insurance.
The Benazir Income Support Programme (BISP) launched Waseela-e-Rozgar for addressing the issues of poverty and unemployment through ‘Human Resource Development’ in Pakistan. Waseela-e-Rozgar was designed as an exit strategy for BISP beneficiaries to come out of dependency syndrome of getting Rs 4700 per quarter. This initiative envisaged empowering the female beneficiary or her nominee to become economically independent through acquiring demand-driven vocational skills. The aim of the initiative was to arrange training programme in demand-driven trades in selected public and private institutions. It was to be helpful in bringing professional development and self-sustainability as investing in human capital is arguably the best way to improve its livelihood and earnings.
BISP had launched Waseela-e-Haq scheme in September 2009 to provide and enhance small business and entrepreneurship among poorest of the poor to come out of poverty trap. It was meant to promote self-employment among women beneficiaries or their nominated able bodied members of their families as a mean to improve their livelihood. Waseela-e-Haq was a targeted scheme of providing interest free loan amounting up to Rs.300,000 in two or more installments to the randomly selected beneficiary families already receiving the cash transfers under BISP. The loan for Waseela-e-Haq was meant for establishing businesses.
WeT was developed by BISP in consultation with all the programme stakeholders WeT Programme, a Co-responsibility Cash Transfer (CCT) Programme of BISP that was initiated to financially support the primary education of 5 to 12 years old children of BISP beneficiary families for their enrolments and retention. Each beneficiary child receives a cash transfer of PKR 750 per quarter upon meeting the admission verification in 1st quarter and attendance requirement of 70% in subsequent quarters till completion of the primary education. It is part of the Graduation strategy aiming to link the Unconditional Cash Transfer (UCT) to attainment of human development goals.