Complementary Initiatives Waseelas

  • In past, BISP took some initiatives to improve the income earnings capacity of the beneficiary households, in the form of following:
  • BISP also launched Waseela-e-Haq (WeH) scheme in 2009 to provide and enhance small business, self-employment and entrepreneurship among poorest of the poor to come out of poverty trap. Interest free loan amounting up to Rs.300,000 in two installments of 1,50,000 were provided to randomly selected beneficiaries of BISP. An amount of Rs. 2205 Million was disbursed among 13455 beneficiaries. Another initiative was Waseela-e-Sehet in 2010 to provide health insurance. It provided health coverage of BISP Beneficiaries to maximum of25,000 per family per annum. The package included; full hospitalization, surgeries, maternal and child health (MNCH) package, diagnostic tests during hospitalization; transportation cost etc. It was piloted in Faisalabad. The contract with SLIC expired on 30 June 2015. The BISP Board decided to wrap up these Waseela programmes due to inadequate service delivery, faulty design, weak monitoring etc.


One of the conditional cash transfer programs was called Waseela-e-Rozgar (WeR), a package of free training and stipend offered to one individual (trainee) from each household eligible for BISP support.

  • The WeR programme was launched in 2012 with an aim to provide work opportunities to select marginalized BISP beneficiaries by providing them vocational training as well as necessary knowledge and skills for enabling them to earn a livelihood and a subsequent integration in the labor market.
  • The initiative was started with a target of providing training to 70,000 beneficiaries in different trades.
  • 68 training providers with 322 Training Institutes were engaged in imparting vocational training with the capacity of 86,000 approximately with which that contract was signed.0174
  • 58,528 beneficiaries /nominees were trained through 322 institutes.
  • There were three kinds of payments involved in the contract. i.e, Training Cost to firms/institutes, Stipend to the trainees and Tool kit to the trainees.
  • An Amount of Rs. was disbursed 1,850,141,295 on account of stipend and training cost.
  • An amount of Rs. 488,022,383/- is payable liability on account of stipend, training cost and examination & certification.
  • The initiative was suspended by BISP Board on the recommendations of BISP management due to weak design and implementation without properly formulated manual and Log frame, weak monitoring, weak and rudimentary MIS and Grievance Redressed System.
  • The BISP Board in its 20th meeting directed the management to clear outstanding liabilities of WR in the light of Tracer Study.
  • In 2014, Tracer Study of 9 districts of KPK was conducted but not approved by competent authority.
  • In April 2018, Tracer Study was conducted in respect National College Multan.
  • The Tracer study of remaining 5 training providers who proceeded to courts has been conducted by M&E w.e.f. June, 2018


The insurance covered BISP Beneficiaries of all age groups up to maximum of Rs. 25,000 per family per annum.  The package included: (a) Pre-existing diseases, (b) Full hospitalization (24 hours or more) procedures that involve day long indoor treatment, day care surgeries, Maternal and child health (MNCH) package, (c) Diagnostic tests during hospitalization; one day prior and five days after the event and (d) Transportation cost to admitted patients.

BISP signed a Contract Agreement with State Life Insurance Company (SLIC) on 3rd February 2012 for provision of Insurance Services for three years subject to yearly extension based on satisfactory performance.

After completion of three years i.e., from April 2012-15, Faisalabad pilot was granted transitory extension from 16th April to 30th June by Secretary BISP for smooth transfer of Pilot to Punjab Health Insurance Company, as one option, under consideration of BISP Management.

Current Status:

Post 18th Constitutional amendment, the subject of health sector has been devolved to the provinces. A discussion on BISP’s mandate on the subject matter has emerged; in addition to its overlaps with other programs especially the Prime Minister’s National Health Insurance initiated by Ministry of Health Regulatory Services and BISP management decided to wrap up this initiative to prevent overlapping. BISP facilitated Ministry of Health for designing project and common standards and quality assurance, benefit levels and data provision.

Furthermore, contract agreement for BISP Health Insurance Pilot with SLIC expired on 30th June 2015 and no further extension was granted.

Waseela -e –Haq Programme

Waseela-e-Haq initiative was launched in September, 2009. It was an Interest free loan of Rs.300, 000/- provided in two installments of Rs. 150,000 annually. It was meant to promote self-employment among women beneficiaries. The initiative has been abandoned by BISP Board in 2013 on the recommendations of BISP management due to weak design and implementation, weak monitoring, weak and rudimentary MIS and Grievance Redressed System. Under this programme 13,454/- beneficiaries availed loan. An amount of Rs.2,205/- million disbursed for Waseela e Haq initiative.

Reasons for which the programme was capped

  1. Lack of comprehensive project/design document.
  2. Identification and selection through balloting, not on need basis.
  3. Weak Monitoring & Evaluation of the programme.
  4. It is difficult to recover amount due to lack of any valid guarantee from defaulter cases.
  5. Lack of comprehensive guideline for the establishment of needful business.
  6. Only ten days Enterprise Development Training (EDT) by PPF was not enough to establish     businesses on sustainable basis.
  7. Recovery over fifteen years is impracticable for a loan of Rs.300,000
  8. Less Recovery of loans which is currently around 50 %.
  9. Non-Reconciliation of recovered amount.
  10. Problems in recovery due to nonpayment of 02nd installment to majority of beneficiaries