From Micro-finance to the Building of Local Institutions: The Evolution of Micro-credit Programme of the OPP's Orangi Charitable Trust, Karachi, Pakistan

From Micro-finance to the Building of Local Institutions: The Evolution of Micro-credit Programme of the OPP's Orangi Charitable Trust, Karachi, Pakistan



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From Micro-finance to the Building of Local Institutions: The Evolution of Micro-credit Programme of the OPP's Orangi Charitable Trust, Karachi, Pakistan by Arif Hasan, Mansoor Raza

The Orangi Pilot Project (OPP) was established, by Akhtar Hameed Khan the renowned Pakistani social scientist, in the informal settlement of Orangi, Karachi, in 1980. The objective of the Project was to build models of participatory development that could overcome the problems faced by conventional development programmes in dealing with informal settlements and poverty related issues. Among other things the Project worked at establishing producer and consumer cooperatives. These attempts slowly evolved into a micro-credit programme, the first of its kind in Pakistan.

Though it was originally limited to Orangi, it soon moved to supporting NGOs and CBOs through the OPP's Charitable Trust (OCT), in the rural and urban areas of Pakistan in operating their own micro-credit programmes whose clients are small farmers, businessmen and rural women. This support consist of providing training-by-doing to local people in account keeping, market research, credit appraisal, issues related to defaults, and health for creating client associations that involve themselves in development and socio-political related affairs of their areas.

This book describes the evolution of the OCT programme, its current vision, unconventional methodology, the leadership of the OCT partners and the conditions that have produced it, and issues related to the programmes management and sustainability. The book also describes the impact of the programme on human resource development and women, and changes in power relations between producers and market operators, and between different classes in the areas where the programme is operative.

Product Details

ISBN-13: 9780199065097
Publisher: Oxford University Press, USA
Publication date: 04/19/2013
Pages: 250
Product dimensions: 5.80(w) x 8.80(h) x 0.70(d)

About the Author

Arif Hasan is an architect/planner in private practice in Karachi. He has been a consultant and advisor to many local and foreign CBOs, national and international NGOs, and bilateral and multilateral donor agencies. Since 1981, he has been involved with the Orangi Pilot Project (OPP) as its Chief Consultant and currently as Chairman of its Research and Training Institute. He is also one of the founder members of the Urban Resource Centre (URC) Karachi, and its Chairman since its inception in 1989.

Mansoor Raza has been a Deputy Director at the Usman Institute of Technology and is currently Deputy Director, Disaster Management for the Church World Service -Pakistan/Afghanistan. He has worked at the Church World Service since 2002. Prior to this he worked at the NGO Resource Centre Karachi as a Field Coordinator, building the capacity of community-based NGOs and designing training packages for grassroots organizations.

Table of Contents

Abbreviations and Local Terms
1. Introduction
2. From Cooperatives to Micro-credit 1983 - 1987
3. Expansion of the Micro-credit Programme
4. The Rural Development Trust Experience
5. Computerization of Accounts and After
6. The Vision and Present Structure
7. Loan Process within Orangi
8. Loan Process outside of Orangi
9. The Partnership Model
10. Impacts and Repercussions of the Partnership Model
11. Major Findings
01. Khajji Cooperative Society
02. Sassi Cooperative Society
03. OCT Branch Pir jo Goth
04. Mehran Education Welfare Society initiated MIOP Women Livestock Cooperative Farming Project L
05. Mehran Education Welfare Society
06. Foundation for Rural Development
07. Saath Development Society
08. Mehran Rural Development Society
09. Indus Community Development Organization
10. Shahdab Rural Development Organization
Appendix 1: A Note on Welfare Work by Akhtar Hameed Khan
Appendix 2: Pakistan Microfinance Network
Appendix 3: Persons Interviewed and Organizations Visited
Appendix 4: Literature Consulted
Appendix 5: Pakistan Poverty Alleviation Fund
Appendix 6: PPAF Reporting Requirements
Appendix 7: Members of the Board of Trustees
Appendix 8: Sample of Loan Form and Related Documentation
Appendix 9: Details of Loan Categories in Orangi
Appendix 10: Urban Versus Rural Loans: Few Variables
Appendix 11: Mat Programme Proposal
Appendix 12: Micro-finance Organizations Network of Pakistan
Appendix 13: Extracts from OCT Financial Statements, June 30, 2010

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