From Micro-finance to the Building of Local Institutions: The Evolution of Micro-credit Programme of the OPP's Orangi Charitable Trust, Karachi, Pakistan
Published on 27. September 2012
Book
Hardback
250 pages
978-0-19-906509-7 (ISBN)
Description
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.
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.
More details
Language
English
Place of publication
Oxford
Pakistan
Target group
Professional and scholarly
Dimensions
Height: 226 mm
Width: 146 mm
Thickness: 19 mm
Weight
416 gr
ISBN-13
978-0-19-906509-7 (9780199065097)
Copyright in bibliographic data and cover images is held by Nielsen Book Services Limited or by the publishers or by their respective licensors: all rights reserved.
Schweitzer Classification
Persons
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.
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.
Content
PREFACE ; ACKNOWLEDGEMENTS ; ABBREVIATIONS AND LOCAL TERMS ; PART - ONE: REPORT TEXT ; 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 ; PART - TWO: CASE STUDIES ; 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 ; PART - THREE: APPENDICES ; 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 ; INDEX