Interest-free loans to 150 quake affected women

by Khwendo Kor

Disbursement details in the village Shehar and Harir bala (District Mansehra):

Village Shehar is situated in district Mansehra, this village is one of the earthquake affected areas.

After the disaster the living conditions of local people got below the survival line, to come out from these stressed conditions the only solution was to adopt a long term rehabilitation program which can benefit and empower women on urgent basis.

Since the area is very conservative the money was disbursed in the Islamic mod of finance to enable them to contribute to family income. As the people are interested in live stock therefore sheep, goats, cows and bufflows were purchased for 5 females (Families) cost 50,000 Rupees.

Harir bala village is situated in the district Mansehra and also one of the earthquake affected areas, 40,000 Rupees were disbursed among the 4 females (Families) for the same purpose.

After the disbursement now the families are benefited in two ways, Firstly they are using the milk for domestic needs and secondly it is sold in exchange of money.

Though a slow process but it is contributing in the uplifting the economic status of community women and in long term empowering them.

Project Summary:

PCP project was started in earth quake of Mansehra district. It covered four villages of two union councils namely Battal and Archian. The objective was to cover 150 direct and 600 indirect beneficiaries during one year of the programme duration. (July 06-June 07)

Micro enterprise activities under the project were started in district Mansehra covering seven villages of two union-council Battal and Archian. Villages covered are Khurmang and Seloona Nulla, Shaher Bai, Nemshahera, Hair Bala and Jalil Abad. So far Rs. 15, 31,230 has been distributed to 150 women, whereas Rs. 1, 72,302 has so been recovered for further use of similar activities. The main micro enterprises’ activities for which loan/grant has been provided to 150 women are poultry (Chicks), dairy activities like buffalo and cows, tailoring (sewing machines) and grocery shops.

In order to discourage dependency on grant in earth quake areas women were encouraged to take interest-free loans for establishing their businesses; and a recovery procedure is thus adopted. The amount so recovered forms part of the revolving fund to be used on furthering micro enterprise activities in the same area.

Case Study:

Haya Nisa is a poor woman in Khwendo Kor target villages. Due to mobilization of KK team she thought to open a shop grocery shop in her village Neem Shera UC Acharian District Mansehra..In county side to open Grocery shop is a strange thing especscilly for female. But she has courage to take a new step in male dominated society. When Khwendo Kor Started Micro Enterprise progrmme in this village she took loan for shop and opened a grocery shop to start business activities. Before her shop there was no shop in this village and people have many problems to purchase daily use articles. She now successfully running her shop and expands her business and also paying her installment on time. She herself perches different articles from market for her grocery shop. Case Study:

Miss Tanveer Akthar, was a poor women. Of the village Kormaing Her family financial position was very weak. Due to bad financial position her children were not going to school. Her husband worked as labor their income was low that their routine food expenses were not well run. Khwendo Kor visited this village and select village Kurmang for work. In the mean time micro enterprises programmed started in this village. KK gave loan (10,000) to her and she started business of poultry farm with this money. After starting business now her financial position is a little bit better before.

Note: The list of the 150 earthquake affected womens is attached


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Organization Information

Khwendo Kor

Location: Peshawar, NWFP - Pakistan
Website: http:/​/​
Project Leader:
Roohi Tabassum
Project contact
Peshawar, NWFP Pakistan

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