Waseela-e-Haq Overview

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. For Waseela-e-Haq initiative, BISP beneficiaries had been sub-divided into sub-groups of 3, 000 each (Commune System). Every month one beneficiary out of each commune was selected randomly through computerized balloting. An amount of Rs. 2205 Million has been disbursed among 13455 beneficiaries.

Figure  Number of Beneficiaries to whom Loan Amount has been disbursed


The region wise analysis shows that an amount of Rs. 1009.9 million was disbursed to Waseela-e-Haq beneficiaries residing in Punjab and 410.8 million in Sindh. Similarly an amount of Rs. 602.9 million was disbursed to Waseela-e-Haq beneficiaries located in KPK and 123.6 million to Balochistan.

Figure  Region wise Amount Disbursed to beneficiaries (Rs. Millions)


There are various types of business stated by the Waseela-e-Haq beneficiaries. The figure shows that around 49 percent Waseela-e-Haq beneficiaries invested their loan money in livestock and dairy farming business. Secondly around 23 percent started general store business while only 2 percent invested in Risckshaw. The remaining 26 percent have stated miscellaneous business which includes cloth shop, tailoring shop, welding and atta chaki etc

Current Status:

As per BISP board policy, strategy has been changed to provide micro-finance to the beneficiaries. BISP is exploring collaboration with public sector Organizations/NGOs working in social sector for the provision of microfinance loans to BISP beneficiaries. In this regard, BISP is collaborating with Pakistan Poverty Alleviation Fund (PPAF) in respect of Prime Minister Interest Free Loan (PMIFL) Scheme and with Akhuwat Foundation (NGO). Under the scope of these collaborations, both organizations are extending microfinance loans to BISP women beneficiaries to establish their own businesses.