P IPS
POLICY RESOURCE GUIDE
FOR
Committees on Housing and Works
June 2008
This document is produced by Pakistan Legislative Strengthening Project (PLSP)
PAKISTAN INSTITUTE FOR PARLIAMENTARY SERVICES
Policy Resource Guide
Committees on Housing and Works
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Purpose of the Resource Guide
Overview of the Ministry of Housing and Works
Housing and Works Division
Departments
House Building Finance Corporation Ltd.
Institutional Resources: Housing and Works based Projects in
Pakistan
Informational Resources
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PURPOSE OF THE RESOURCE GUIDE
The purpose of this resource guide is to gather available informational resources
for Parliamentary Committees of the two Houses of Parliament and Provincial
Assemblies on Housing and Works. It is noteworthy that one of the impediments
for improving the performance of parliamentary committee is lack of relevant
and timely information and expert opinion about the issues at hand. This guide
specifically addresses this shortcoming by introducing most of the relevant
institutional and expert support for the committee to consult from in the time of
need. Most of the informational sources have been acquired by internet search
and web databases e.g. Pakistan Development Gateway (www.pdg.com) etc.
The resources are divided into three sections; informational, institutional
(international and national) and Human resources.
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OVERVIEW OF THE MINISTRY OF HOUSING
AND WORKS
This Ministry is responsible for acquisition and development of sites as well as
construction and maintenance of Federal Government buildings. It is actively
involved in the coordination of civil works, budget, fixation and recovery of rents
from Government owned / hired and requisitioned buildings. The activities like
management of Federal Lodges, matters, relating to Federal Government lands,
licensed to various cooperative housing society in Karachi, except those under
the different Ministries. Administration of officers belonging to the Engineering
Group, registration to Housing Authority, including National Construction Limited
and Housing Foundation are the responsibility of this Ministry. This Ministry has
three Attached Departments and three Autonomous Bodies.
This Ministry has three Attached Departments and three Autonomous Bodies.
Functions (as per Rules of Business, 1973)
1.
Acquisition and development of sites, construction, furnishing and
maintenance of Federal Government Building except under the Defense
Division.
2. (i) Coordination of civil works Budget; and
(ii) Execution of Federal Government Works
3. Provision of Office and Residential Accommodation for officers and staff of
the Federal Government, Acquisition, requisition and hiring of such
accommodation and Payment of compensation or rent.
4. Fixation and recovery of rent of Government owned hired and requisitioned
buildings.
5. Management of Federal Lodges.
6. Lands and Buildings belonging to the Federation wherever situated and
revenues derived therefore.
7. Administration of the Federal Government Lands and Buildings, (recovery of
possession) Ordinance 1965.
8. Matters relating to the Federal Government Lands, Licensed to various cooperative housing Society in Karachi except those under the Defense
Division.
9. Administration of Officers belonging to the Engineering Group.
10. Transfer of Property other than Agricultural land, registration of deeds and
documents.
11. Matters relating to National Housing Authority.
12. Matters relating to National Construction Limited. Besides the matter
relating to Federal Government Employment Housing Foundation are being
looked after by the Board of Governors (with Federal Minister, Housing &
Works as Chairman) and through an Executive Committee Headed by the
Secretary, Housing and works.
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13. Matters relating to Pakistan Housing Authority.
Organizational Chart
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HOUSING AND WORKS DIVISION
Management, maintenance and construction of all federal buildings
This Division is responsible for acquisition and development of sites as well as
construction and maintenance of Federal Government buildings. It is actively
involved in the coordination of civil works, budget, fixation and recovery of rents
from Government owned / hired and requisitioned buildings. The activities like
management of Federal Lodges, matters, relating to Federal Government lands,
licensed to various cooperative housing society in Karachi, except those under
the different Divisions. Administration of officers belonging to the Engineering
Group, registration to Housing Authority, including National Construction Limited
and Housing Foundation are the responsibility of this Division. This Division has
three Attached Departments and three Autonomous Bodies.
Functions (as per Rules of Business, 1973)
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
Acquisition and development of sites, construction, furnishing and
maintenance of Federal Government Building except under the Defense
Division.
(i) Coordination of civil works Budget and
(ii) Execution of Federal Government Works
Provision of Office and Residential Accommodation for officers and staff of
the Federal Government, Acquisition, requisition and hiring of residential
accommodation and Payment of compensation or rent.
Fixation and recovery of rent of Government owned hired and requisitioned
buildings.
Management of Federal Lodges.
Lands and Buildings belonging to the Federation wherever situated and
revenues derived therefore.
Administration of the Federal Government Lands and Buildings, (recovery of
possession) Ordinance 1965.
Matters relating to the Federal Government Lands, Licensed to various cooperative housing Society in Karachi except those under the Defence
Division.
Administration of Officers belonging to the Engineering Group.
Transfer of Property other than Agricultural land, registration of deeds and
documents.
Matters relating to National Housing Authority.
Matters relating to National Construction Limited. Besides the matter
relating to Federal Government Employment Housing Foundation are being
looked after by the Board of Governors (with Federal Minister, Housing &
Works as Chairman) and through an Executive Committee Headed by the
Secretary, Housing and works.
Matters relating to Pakistan Housing Authority.
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DEPARTMENTS
Federal Government Employees Housing Foundation
Housing is a basic and fundamental human need. Today, there is a virtual
housing crisis in the country. Rapid population growth, overcrowding, shortage
of supply, aging housing stock, development of slums and Katchi Abadis,
seracity of land and lack of financial resources has further aggravated the
situation.
According to 1998 census, the total number of housing units throughout the
country was 19.3 million. 67.7% housing was in rural areas and 32.3% in urban
areas. The overall housing stock comprised of 39% kucha houses, 40% semi
pukka houses and 21% pukka houses. The housing backlog, as estimated
according to the 1998 census, was 4.3 million units. The additional annual
requirement is estimated around 300,000 units, thereby, resulting in a recurring
shortfall of 270,000 housing units annually.
Realization of the present and future scenario caused the creation of “Federal
Government Employees Housing Foundation” in 1989 to achieve the following
objectives:
1.
2.
3.
4.
To formulate policies, programs and projects for providing shelter to
serving and retired Federal Government Employees and their dependents.
To initiate, launch, sponsor and implement Housing Schemes for Federal
Government Employees on ownership basis in Islamabad, the Provincial
Capitals and other major cities of Pakistan.
To undertake redevelopment of FG Housing Estates to increase housing
stock and improve the living and environmental conditions; and
To do all such things as are incidental or conducive to the attainment of the
above objectives or any of them.
This organization was registered in March 1990 as a “Private Company” limited
by guarantee under Companies Ordinance 1984. Since its inception, it has
served more than 22000 members of the target groups.
http://www.fgehf.gov.pk/index.htm
http://www.fgehf.gov.pk/Overview/Objectives.htm
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National Housing Authority
The National Housing Authority (NHA) was established on August 13, 1987
under a Resolution with the primary objective of preparing short and long terms
plans/programmes and policy guidelines and mobilizing financing resources for
development of housing for low income groups. The NHA was declared as an
attached department of Ministry of Housing and Works vide Cabinet Division
Notification No.7/2000-Mn-I dated 8th June 2000.
http://www.pakistan.gov.pk/divisions/ContentInfo.jsp?DivID=26&cPa
th=276_582&ContentID=3844
Pakistan Housing Authority
Pakistan Housing Authority, a subsidiary of Ministry of Housing & Works, was
established to undertake construction of approximately 4500 high quality
apartments at affordable prices. It is for the first time ever that the Government
of Pakistan has engaged itself in actual construction of affordable housing.
PHA is also undertaking following two housing schemes;
1.
2.
Housing scheme for the officers of Federally Constituted Occupational
Groups.
Construction of apartments for low paid Federal Government Employees on
ownership basis.
The objective of this organization is to help in developing modern community
living with all the comforts and amenities of 21st Century at affordable cost for
the middle & low-income groups.
For this purpose, the authority has identified Prime locations in Karachi, Lahore,
Islamabad and Peshawar where construction work is near to completion.
To ensure world-class standards and professional excellence, Pakistan Housing
Authority’s Housing program is perceived by the leading designers and is being
implemented through the most renowned Engineering Consultants and
Construction Companies of Pakistan.
http://www.pha.gov.pk/
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Pakistan Public works department
The objective of Pak. PWD are to execute the offices and residential
accommodation for federal Government employee and to overcome the backlog
of millions of square foot of office space and housing units being presently
accommodated in hired office space and privately owned residences within
budgetary provisions of Federal Government
http://www.pwd.gov.pk/front.asp
Estate Office Management
The Estate Office, an attached department of Ministry of Housing and Works was
established in 1947 at Karachi. The government of Pakistan had inherited
certain units of Housing properties and the primary objective for the
establishment to this department was to allot these housing units of the officers
and the staff of the Federal Government posted at the then capital i.e. Karachi.
The organization was initially headed by two successive British Heads of
Department namely Mr.M.S.Fieldman and Mr.K.H.Henly till mid 1949. After that
the government of Pakistan posted its own officers from the then Ministry of
Agriculture, Rehabilitation and Works. The present strength of the department is
356 out of which 352 officers and officials are in position; there are 23 officers in
the departments in BPS-17 and above.
The administrative set up of the department is that its Head Office is situated at
Islamabad which was shifted after the transfer of capital from Karachi to
Islamabad in 1964 and the organization have established its sub offices at the
four provincial headquarters. The Head Office is headed by Estate Officer, its
Karachi office is headed by Additional Estate Officer while the Joint Estate
Officers has been posted to steer the organization at mofassil offices situated at
provincial Head Quarters.
Functions of estate offices
The business of the department is being carried out under Pakistan Allocation
Rules, 1993. The important functions are summarized as under;
1.
2.
3.
4.
Provision of government accommodation to the Federal Government
officers or officials from BPS1 to 22
Provision of Government accommodation to the Ministers, Minister of State,
advisors and other authorities under the rules
Assessment of rent of privately hired /requisitioned houses with the help of
Pak PWD and Finance Division.
Maintenance of General Waiting Lists of FGS in BPS 1 to 22.
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5.
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Ejectment of unauthorized occupants from Government accommodation
Maintenance of record of payment (Cash Books, Ledgers, Cheque Books
etc) in respect of privately hired houses and buildings.
Maintenance of record of the house rent charges being recovered from the
FGS who are provided with government or private hired houses.
http://www.pakistan.gov.pk/divisions/index.jsp?DivID=26&cPath=276
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HOUSE BUILDING FINANCE CORPORATION
LTD. (HBFC LTD.)
The HBFC has over the last 55 years has gradually and steadily developed as the
leading institution for housing finance in Pakistan.
Starting with an initial paid-up capital of Rs.5 million, it expanded its activities
necessitating enhancement of its paid-up capital and now paid-up capital is
Rs.3.50 Billion. Today, it is the largest housing finance insititution providing
investment facility for construction and purchase of house/flats through a large
country-wide network of 3 Regional, 12 Zonal and 58 District Offices, 4 camp
offices and 25 Representative Offices/Service Agents and 21 more such offices
will be opened very soon. Where by adoption of market-going techniques
services agents will be appointed.
HBFC Ltd. has financed over one and half million units for Rs. 41.437 billions,
provided housing finance facility to 28 corporate clients for Rs. 1.7 million, made
recoveries of Rs. 51.368 billions and has an investment portfolio of Rs. 19.6
billion. HBFC Ltd.'s average annual disbursements and recoveries are
around Rs. 2.5 to 3 billions. At present, it is handling over 103,736 operative
accounts with work force comprising of 864 H&R officers and H&R support
staff.
The credit facilities of the company are available throughout
Pakistan including Azad Kashmir and Northern Areas.
House Building Finance Corporation, the oldest housing finance institute of
Pakistan, was established as a statutory federal body in 1952 with the objective
of providing financial assistance for the construction of houses. Ensuingly HBFC’s
scope also branched out into diverse dominions like purchase, repair and
renovation of houses. Later on HBFC’s mission was evermore reformed to
specifically target the needs of the low and middle income strata of the country
by providing Small and Medium Housing (SMH) Solutions, hence successfully
providing skilled and user friendly service at affordable costs. Over the years
HBFC’s operation has flourished and is now spread over a network of 3 Regional,
12 Zonal and 58 District Offices, 4 camp offices and 25 Representative
Offices/Service Agents and 21 more such offices will be opened very soon. HBFC
today has its presence in 80 cities and towns all over Pakistan and is targeting
to expand its business to 150 cities and towns. HBFC’s Head office is situated
in Finance & Trade Centre Karachi.
Since inception todate, the corporation has financed over one and half million
units for Rs. 41.437 billions, provided housing finance facility to 28 corporate
clients for Rs. 1.7 million, made recoveries of Rs. 51.368 billions and has
outstanding portfolio of Rs. 19.6 billion. Disbursed Rs. 600 millions flood loans to
over Rs 0.4 million affected families granted remissions to Widows, Orphans and
retired Government Servant of Rs. 1.23 billion on Federal Government’s
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directive. Its Average annual disbursements and recoveries are around Rs. 2-1/2
to 3 billions. It has contributed Rs. 17.149 billion towards National Exchequer in
shape of payment of interest, profit and income tax to Government and State
Bank of Pakistan. In 1984-85, the corporation launched Faisal Town Housing
Project, at Lahore consisting of 312 bungalows and also constructed 19storeyed Office Building named “HBFC House” Islamabad. HBFC owns
prestigious Office Buildings/Premises at Karachi, Lahore and Hyderabad. It also
owns valuable plots at Lahore, Islamabad, Hayatabad (Peshawar) and
Hyderabad. Arrangements are afoot to construct on these plots modern
commercial-cum-residential buildings, estimated to cost over Rs. one billion.
Design concept of 12-16 storeyed Flat Project consisting of 208 apartments at
Lahore and 12-storeyed office building at Islamabad conceptualized by M/S
NESPAK stands approved by HBFC Board of Directors.
HBFC’s paid up capital is Rs. 3.50 Billion (53.7 percent for Federal Government
and Rs. 46.43 percent for State Bank of Pakistan). The general directive and
administration of the corporation and its affairs is entrusted to a Board of
Directors and the Managing Director, who together with the assistance of Board
Committee manages and controls the affairs of the corporation.
HBFC Ltd.
HBFC Ltd. which was on its way to become a corporate organization has finally
been incorporated as “HBFC Ltd.’’ under Banking Companies Ordinance 1984,
since July, 2007. Henceforth, Part privatization by offering share holding to firms
like IFC, ADB and IDB etc is also a part of the agenda. HBFC Ltd. is also intent
upon the securitization of mortgages and establishment of Real Estate
Investment Trusts (REITs) and Mortgage Bonds (MBs).
To meet the upcoming corporate challenges and to cater to the growing needs of
the corporation, HBFC Ltd. has taken certain drastic steps. It is enhancing its
operational efficiency through preparation and implementation of manuals,
computerization, human resource development and elimination of ineptness and
corruption through internal controls and redesigned reward structure. In the
near future HBFC Ltd. plans on expanding its outreach representative offices
from 80 to 150 towns and cities. HBFC Ltd. is trying to augment its market
image by having pro-active, efficient and customer friendly policies.
Thus HBFC Ltd. is paving the path for a brilliant future by amplifying its present
HBFC Ltd.‘s main aim has remained to provide Sharia compliant financing to its
consumer market. HBFC’s financing schemes have also evolved over its 55 years
of establishment to acquiesce with this aspiration. These schemes have
propelled HBFC towards the fulfillment of its Business Focus which is to
accommodate the low and middle income group’s housing needs. Thus HBFC
offers a wide range of products for the ministration of its consumers. House
Construction Financing, financing for purchase of house/flat, renovation of
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House (Home improvement financing), loan transfer and Balance transfer fund is
the range offered by this organization.
At present HBFC Ltd. has following housing finance schemes in
operation:
1.
“Ghar Aasan Scheme” based on diminishing Musharka, a Shariah compliant
scheme under which credit for construction and purchase of houses is
allowed.
2.
“Shandar Ghar Scheme” under which credit for repairs, renovation/upgradation is available.
3.
“Loan facility for Small Builder ” for construction and sale of small
houses/flats
4.
“Ghar Aasan Scheme (Flexi)” for construction, purchase and renovation for
houses/flats
New up-coming Schemes
1.
Step-up-plan
2.
Savings and Loan Plan
3.
Equity Building Plan
4.
Construction Project Finance
5.
Residential Hostels Finance
6.
Home Finance for Overseas Pakistani
7.
Syndicated Finance for Large Construction Projects
The earlier schemes which were discontinued were Interest bearing scheme,
Profit & Loss scheme based on income sharing and Simplified & New Simplified
Schemes base on income sharing.
HBFC Ltd. Future Plans
HBFC Ltd. has been a household name traditionally associated with housing
finance. The scenario changed with the entry of banks and leasing/house finance
companies in the house finance sector from late 1990. HBFC Ltd. had
reconsidered its whole business philosophy. This was rather inevitable for its
survival. The new management has brought a revolutionary changes for the
Corporation in all areas of its working including Operations, Human Resource,
Administration, Finance, IT, etc as well as client services.
The strategic changes being initiated is expected to help HBFC Ltd. emerge as a
vibrant and customer friendly housing finance institution thereby establishing
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more firmly its age old place in the field of house financing with a new look.
HBFC Ltd. occupies a special place in the house finance business as it has all
along catered to the needs of the lower and lower-middle income groups
whereas the commercial banks have targets of high profile clients. Commercial
Banks have a large negative list of locations as well as professions. HBFC Ltd.,
on the other hand does not maintain any negative list of locations or professions
and it rather encourages applicants from lower income localities, as long as
housing constructions are on valid land title and the client meets other minimum
eligibility criteria. Presently nearly 85% of HBFC Ltd.’s clientele is low-income
people where loan amount is less than Rs.100, 000 whereas nearly 80% clients
have per party loan below Rs.500, 000 and have monthly income between Rs3,
500 to Rs5, 000 and could only afford to pay an installment of Rs1000 to
Rs1200 per month in 15 to 20 years besides meeting their monthly expenditure
of basic necessities. For HBFC Ltd., its social role is an integral and inseparable
part of its commercial stance.
Since the beginning of the year 2005, HBFC Ltd. is striving for a new outlook
with a new ideology. Consequently, it has changed its Vision to “to be the prime
housing finance institution of the country, providing affordable housing solutions
to low and middle income groups of population by encouraging new
constructions in Small & Medium Housing (SMH) sector”. Its Mission is now “to
be a socially responsible and commercially sustainable housing finance
institution”
http://www.hbfc.com.pk/default.asp?pgid=6
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INSTITUTIONAL RESOURCES: HOUSING AND
WORKS BASED PROJECTS IN PAKISTAN
Community Development Program
Community Development Program, a non-profit organization based in
Shakardarra, Kohat is committed to providing essential necessities to the underprivileged people of the NWFP. Their goal is to improve the quality of life in the
rural areas of this region through various projects including health, sanitation,
and educational programs. A list of proposed projects, contact information on
volunteering and donations are also available on this site.
http://www.mycdp.org/
Lachi Poverty Reduction Project (LPRP)
The Lachi Poverty Reduction Project (LPRP) is a continuation of the South Asia
Poverty Alleviation Program (SAPAP), which seeks to replicate, in all SAARC
member countries, the community based approach for poverty alleviation. Major
focus areas of the program include social mobilization; human resource
development; building rural infrastructure; providing micro credit to rural poor;
and development of an arid zone natural resource management model.
Photographs and reports about how the project's various activities have helped
rural communities in the area and detailed contact information is available on
this site.
www.rspn.org/files/mo/lprp.htm
Northern Area Development Project (NADP)
The Northern Areas (NA) of Pakistan covers 72500 sq.km on Pakistan's
Northeast frontier border. Diamer District one of the five districts of Northern
Areas was created in 1972, and spreads over 14650 sq.km. It comprises of
three subdivisions, Chilas (3500 sq.km) Darel/Tangir (3000 sq. km) and Astor
(8150 sq.km). The Northern Area Development Project (NADP) covers Chilas
and Darel/Tangir subdivisions of Diamer District. The NADP is a seven years
community based multi sectoral rural development and poverty alleviation
intervention. Its focus areas include agriculture and community development;
institutional strengthening; livestock development; social forestry and range
management; social infrastructure; the valley's roads and village infrastructure.
This website provides further details of the project, a calendar of events and
relevant contact information.
http://www.ifad.org/english/operations/pi/pak/i453pk/index.htm
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Shahen Qabile Parmakh Thag (SQPTG)
Established in 1984, Shahen Qabile Parmakh Thag (SQPTG) is welfare,
humanitarian relief and development NGO working with the poorest
communities in North Waziristan (FATA) Pakistan. It plans and implements longterm development programs to empower them through the equitable
development of human and natural resources. Working with a network of
community-based organizations, its focus areas include education, health,
agriculture, population, environment, women empowerment and physical
infrastructure development.
http://www.sqptg.sdnpk.org/
Khidmat Foundation
Based in Abbottabad, the Khidmat Foundation believes in participatory selfreliance for rural development. Targeting landless peasants, wage labourers,
subsistence farmers, youth and women, it establishes Khidmat Centers in rural
areas. These centers cater to on-the-job practical skills enhancement while
participating in profit oriented micro-enterprises and intensive agriculture
projects. Indigenous knowledge about plant nutrition; poverty alleviation and
nutrition enhancement; rural development and low-cost construction is available
on this information-rich site.
http://www.khidmat.sdnpk.org
Insaniyat
Insaniyat is an NGO for the rural poor, established in Gujranwala in 1996. It
aims to reduce poverty through sustainable agriculture and rural development in
the areas of Gujranwala, Hafizabaad and Chakwal in the Punjab and mountains
territories in NWFP and AJK. Special focus includes rural development activities;
addressing problems of women; children and disadvantaged groups; good
governance and special attention to human rights violations. This website
provides an outline of its objectives, a photo gallery of its activities, its Board of
Trustees, and detailed contact information.
http://www.insaniyat.sdnpk.org/
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Health and Education Rural Association (HERA)
The Health and Education Rural Association (HERA) is an NGO established in
Jhang since 1997, working for poverty eradication in remote areas of Punjab. Its
areas of focus include basic education; child rights; community development;
adult education and empowerment; education; health and population welfare;
integrated rural development; water and sanitation and public health.
http://www.hera.sdnpk.org
Falaahi Tanzeem Hasil
This is one of the few websites which provides its contents entirely in Urdu.
Hasil village's interesting history dates back to the 16th century. Falaahi
Tanzeem Hasil was established in 1978 to work within the community for the
basic amenities of life, like clean drinking water and sanitation facilities, roads,
hospitals, electricity and schools. The society's activities to improve the quality
of life of the residents are outlined in this site, together with relevant contact
information.
http://www.hasil.sdnpk.org/
Area Development Programme Balochistan (ADPB)
Description: The Area Development Programme has been launched in eight
districts of Balochistan, namely Quetta, Pishin, Killa Saifullah, Loralai, Musa
Khel, Mastung, Kalat and Khuzdar. All these districts are located in upland
Balochistan, and constitute 25% of the province's total land mass and 42% of
the population. The programme's objectives include increasing the province's
economic activity and human resource development; arresting rural
environmental degradation and restoring it to sustainable levels; and promoting
village communities' proactive involvement in economic growth. According to the
1998 census, Balochistan has an estimated 6.5 million inhabitants, and its
economy is dominated by agriculture, livestock and fisheries. A fledgling
industry includes handicrafts, embroidery, and wool and leather products.
Unexploited mineral reserves of coal, marble, baryte, chromite, fluorite, iron,
copper and gold require proper infrastructure to yield dividends. This website
provides details of ADPB's activities, from social and gender mobilization;
horticulture; and livestock to range management and more, together with
relevant contact information.
http://www.adpb.sdnpk.org/
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Thal Welfare Organization (TWO)
Thal Welfare Organization (TWO) is a rural development organization working in
district Layyah of southern Punjab. This website outlines its introduction and
objectives. An overview of the various health activities is presented here;
including a women's skill enhancement center, agriculture extension services
and a resource center for the rural community provided by the organization.
Future plans and relevant contact information is also available on this site.
http://www.thal.sdnpk.org/
Sindh Society
The Sindh Society for Research and Development (Sindh Society) is based in
Sindh. This website provides mailing lists forums and links to local development
organizations. It presents an overview of initiatives undertaken in the region in
the fields of agriculture, economy, health, heritage and politics. An online
feedback form is also available online for comments.
http://www.geocities.com/sindhsociety
Frontier Resource Center (FRC)
Frontier Resource Center (FRC) aims to enhance the capacity of NGOs & CBOs
in NWFP through its various programmatic interventions that include Information
- collection & dissemination; Training; Research & Documentation; and
establishing functional Networks & Linkages. The site includes extensive
information on FRC's programme, research documents, publications and its
training schedule for the partner CBOs and NGOs. Besides listing the library
books, the site offers a glimpse to its exclusive data-base directory of CBO's and
NGOs of the province. Another feature of the site is its directory of the resource
persons.
http://www.frc.sdnpk.org/
Environmental Protection Society (EPS)
Founded in 1991, Environmental Protection Society (EPS) is a non-profit and
non-ethnic organization concerned with the physical, social & cultural
environment of the Swat District. The site carries valuable information about the
mission, vision, structure, working strategy and objectives of the organisation.
Besides information on the history of Swat, the site brings a comprehensive list
of CBOs working in Malakand Division. Publications and Newsletter of EPS can
also be viewed on this site.
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http://www.eps-swat.org/
International Water Management Institute (IWMI), Pakistan
The International Water Management Institute is a scientific research
organization focusing on the use of water in agriculture and on the water needs
of developing countries. IWMI has ongoing research and development projects
in Pakistan since 1986. The central thrust of the Pakistan program is to
implement IWMI's mission in a local context. Details about their major projects
on this website are: Institutional Reforms in the Irrigation Sector; Decision
Support for Irrigation Canal Management; Water Markets in Irrigated Agriculture
of Pakistan; Salinity, Drainage and Groundwater Management, and On-Farm
Water Management: Evaluation of Bed and Furrow Irrigation Methods. A list of
IWMI's national and international partners in Pakistan is also accessible here.
http://www.iwmi.cgiar.org/Publications/Pakistan_Reports/index.aspx
Thardeep Rural Development Programme (TRDP)
An information rich website, with a comprehensive introduction to TRDP,
outlining its operational objectives and areas of influence. Details of its historical
perspective, mission statement, organizational structure, ten major programmes
and partners, various publications and reports, and necessary contact
information is also available online.
http://www.thardeep.org/
Human Resources Management and Development Centre (HRMDC)
Human Resources Management and Development Centre (HRMDC) is a NonGovernmental Organization established in 1994. Its vision is to evolve peoplecentered development through training, research, community development and
networking in the North West Frontier Province, Pakistan. The site carries some
worthy information about HRMC's initiative like Paper Recycling, communitybased primary education, research, networking and various training
programmes for the governmental and non-governmental organizations.
www.hrmdc.sdnpk.org/
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Thread Net Hunza
A project of the Karakoram Area Development Organization (KADO), a nonprofit community-based organization working to promote sustainable
development of mountain areas in northern Pakistan. Comprising embroidery,
carpets, traditional goat/yak hair rugs (Sharma), wood carvings, musical
instruments and fabrics in traditional motifs and designs, the project aims to
transform local crafts into globally marketable products and claims to generate
work and income for about 2000 women producers. The website is linked to the
'Pan Asia' website (www.panasia.org.sg) which contains the images of these
products and from where mail orders can be placed for them.
www.threadnethunza.com.pk
Pakistan Housing Authority
Pakistan Housing Authority (PHA) is a subsidiary of Ministry of Housing & Works.
The website offers comprehensive information on its housing schemes,
containing the locations, sizes of plots, their prices, procedure for overseas
Pakistanis, various bank branches, their names and addresses. An application
form can also be downloaded. It is an extremely useful information centre for
anybody interested in participating in PHA's schemes.
http://www.pha.gov.pk/
Asian Development Bank: Pakistan
This section of ADB's website contains information about its operations in
Pakistan in addition to some general development information about the
country, details of the projects and latest news about them. List of publications,
depository libraries and related links are also available. Some useful documents
in the pdf format can be downloaded from the site.
http://www.adb.org/Pakistan/default.asp
Global Eco Village Network - Pakistan
The site consists of brief information pertaining to Sindh Development Studies
Centre (SDSC), The Left Bank Outfall Project, Sindh Agricultural & Forestry
Workers Co-operative Organization (SAFWCO), Rural Women's Welfare
Organization, and Guards of Environment and Nature (GE&N).
http://www.gaia.org/secretariats/genoceania/index.html
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Matching Grants Programme in Punjab Province
The Matching Grants Programme was initiated in 1981-82 with a view to develop
the physical infrastructure in small towns and villages. It aimed at eliciting the
support of the local population and their participation in the development
process. It is a multi-faceted undertaking with investments in a variety of types
of physical infrastructure.
http://www.hsd.ait.ac.th/bestprac/matching.htm
Pakistan Junior Chamber
The Pakistan Junior Chamber is an organization for young people between the
ages of 18-40. PJC is affiliated to Junior Chamber International. The site briefly
outlines the opportunities that PJC provides in different areas. Links to JC
Europe Jaycees International home page are located on the site. It also lists
down the major projects of PJC.
http://www.tpcg.com/jaycees/
Humdard Welfare Society
Humdard Welfare Society is a CBO (Community Based Organization), nongovernmental, non-political and non-religious organization established in
October 1996. The basic aim of the society is to support & promote the
community development at grass root level. The site outlines the objectives,
achievements and future plans of the Society in their respective links.
http://Hamdard.hypermart.net/
Urban Resource Centre
The Urban Resource Centre (URC) was established in January 1989 by students
and interested faculty members at the Department of Architecture Planning
(DAP) at the Dawood College in Karachi and staff members of the Orangi Pilot
Project (OPP). The original aim of the URC was to provide a forum where
students and graduates from the DAP could continue their involvement and
interest in the urban issues of Karachi in particular and Pakistan in general. URC
prepares a monthly bulletin "facts and figures" from newspaper clippings and
from any other literature that may be developed on Karachi from time to time.
Besides these, URC shares information with several NGOs and CBOs on a
number of their problematic issues, such as, unemployment, sanitation,
education, regularization of their settlements, funds for their community level
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activity and lobbying with government to address their neighborhood problems.
In URC's web site the surfer can find all the material related to its background,
activities, different projects and a list of publications available at URC.
www.urckarachi.org
Urban Management Consortium
The Consortium aims to strengthen the capacity of governments, NGOs and
communities to achieve the better, planning, implementation and management
of development policies, programmes and projects within the urban milieu. The
site points out the work being done by the Water, Engineering and Development
Centre (WEDC) of Loughborough University, with respect to Pakistan.
http://info.lut.ac.uk/cgi-bin/AT-wedcsearch.cgi?search=Pakistan
Small Grants Programme
Arranged categorically into tabular form, the site provides details of the small
grant programme relating to Asia and Pacific in terms of Grant, Grant Recipient,
Operational Programme and Period specifically.
http://www.undp.org/gef/sgp/sgpasia.htm
South Asia Sub-Regional Resource Facility
The South Asia Sub-Regional Resource Facility, based in Islamabad, is an
information and technical resource facility providing services to nine country
offices, as well as to other development partners in the sub-region while having
a regional focus on governance in the area of technical backstopping and the
dissemination of best practices. For the questions of the sort who, what and
how, linkages are inserted providing whatever may ask for specifically.
http://www.surfsouthasia.org/
DFID - Publications
The site maintains published reports regarding the DFID projects in Pakistan.
http://www.dfid.gov.uk/dfidaroundworld/asia/pakistan.htm
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Pakistan Institute of National development (PIND)
Pakistan Institute of National Development (PIND), a non profit making, non
political and non government voluntary organization was established in
September 1991 to work as facilitator for implementation of nation building
programmes of the government or the donor agencies for national integration.
After a brief introduction, netter can learn about the aims, objectives, strategy,
activities etc. of PIND.
http://www.geocities.com/RainForest/Vines/4813/intro.htm
Strengthening Participatory Organizations (SPO)
The organizational setup and history of the Strengthening Participatory
Organizations (SPO) is outlined on this website. Projects undertaken at its
various offices include development planning and management; capacity
building; women's emancipation; participatory development coalitions; project
funding and special village education programmes. SPO's success stories; its
Learning Information System (LIS); Development Resource Centre (DRC);
database of support organizations; employment opportunities and contact
information are also available online.
http://www.spopk.org/
ASIANICS International, Pakistan
ASIANICS inspires to improve standard of living of rural masses through
agriculture and rural development in Pakistan and other developing countries.
ASIANICS works in close cooperation with academia, government and people in
providing technical assistance on development projects to eliminate
backwardness and poverty.
http://asianics.sdnpk.org/
Earthquake Reconstruction and Rehabilitation Authority (ERRA)
Earthquake reconstruction and rehabilitation Authority (ERRA) is established to
rebuild, revive with dignity and hope. Its mission is to plan, coordinate, monitor
and regulate reconstruction & rehabilitation activities in earthquake affected
areas, encouraging self reliance via private public partnership and community
participation, ensuring financial transparencies.
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This site has different links of reconstruction sectors like housing, education,
health care, livelihood, transportation, agriculture and livestock, environmental,
power generation, protection/vulnerable group, water supply and sanitation,
industries and tourism, traditional relief, telecommunication and governance. It
also provides maps and guidelines. ERRA not only provide earthquake news, but
also have weather updates.
http://www.islamicrelief.org.pk/http://www.erra.gov.pk/WebForms/home.aspx
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INFORMATIONAL RESOURCES
Fundamental Rights And Principles Of Policy, Constitution Of Pakistan
The Fundamental Rights and Principles of Policy as envisaged in first two
chapters of the country reflect the state’s role to provide basic necessities of life,
such as food, clothing, housing, education and medical relief, for all such
citizens, irrespective of sex, caste, creed or race, as are permanently or
temporarily unable to earn their livelihood on account of infirmity, sickness or
unemployment; in addition to various economic, social, cultural and political
rights of the citizens.
http://www.pakistani.org/pakistan/constitution/part2.ch2.html
PAKISTAN SOCIAL AND LIVING STANDARDS MEASUREMENT SURVEY
(PSLM) 2006-07, ISLAMABAD: FEDERAL BUREAU OF STATISTICS.
The Pakistan Social and Living Standards Measurement Survey is one of the
main mechanisms for monitoring the implementation of the MDGs and PRSP. It
provides a set of representative, population-based estimates of social indicators
and their progress under MDGs and PRSP. These include intermediate as well as
‘output’ measures, which assess what is being provided by the social sectors –
enrolment rates in education, for example. They include a range of ‘outcome’
measures, which assess the welfare of the population Immunisation Rate, for
example.
An important objective of the PSLM Survey is to try to establish what is the
distributional impact of different government programs carried out in Social
Sector. Policymakers need to know, for example, whether the poor have
benefited from the programme or whether increased government expenditure on
the social sectors has been captured by the better off. In the remainder of this
introduction, a description of the 2006-07 PSLM Survey is provided. In the
following chapters, data relating education, health, household assets /
amenities, immunisation, pre and postnatal care and satisfaction of services is
given.
http://www.statpak.gov.pk/depts/fbs/statistics/pslm2006_07/conten
ts_tables_figures.pdf
UNITED NATIONS DECLARATION FOR HUMAN RIGHTS
Article 26 of the UNDHR, adopted and proclaimed by General Assembly
resolution 217 A (III) of 10 December 1948, recognizes the RIGHT TO
EDUCATION as one of the basic rights and therefore expects that all member
states provide free elementary education to all citizens which shall be directed to
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the full development of the human personality and to the strengthening of
respect for human rights and fundamental freedoms.
http://www.un.org/Overview/rights.html
INTERNATIONAL
RIGHTS
COVENANT
OF
ECONOMIC,
SOCIAL
AND
HUMAN
The right to housing is explicitly recognized as a basic human right among a
wide range of international instruments. As one of the facets of an “adequate
standard of living”, it is stipulated in the Universal Declaration of Human Rights
(UDHR) and the International Covenant of Economic, Social and Cultural Rights
(ICESCR). This right is applicable to all persons regardless of nationality or legal
status.
The most complete provision for the right to adequate housing is mentioned in
article 11, paragraph 1 of the ICESCR, which states:
“The States Parties to the present Covenant recognize the right of everyone to
an adequate standard of living for himself and his family, including adequate
food, clothing and housing and to the continuous improvement of living
conditions. The State Parties will take appropriate steps to ensure the realization
of this right, recognizing to this effect the essential importance of international
cooperation based on free consent”.
http://www.unhchr.ch/html/menu3/b/a_cescr.htm
Convention on the Elimination of All Forms of Discrimination against
Women, CEDAW, (1979)
Article 14.2 (h) of the Convention on the Elimination of All Forms of
Discrimination against Women (1979) states that:
“States Parties shall undertake all appropriate measures to eliminate
discrimination against women in rural areas in order to ensure, on a basis of
equality of men and women, that they participate in and benefit from rural
development and, in particular, shall ensure to such women the right…(h) to
enjoy adequate living conditions, particularly in relation to housing, sanitation,
electricity and water supply, transport and communications”.
http://www.picum.org/HOUSING/Housing_Right1.htm
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CONVENTION ON THE RIGHTS OF THE CHILD, CRC
Article 16.1 of the Convention on the Rights of the Child (1989) states that:
“No child shall be subjected to arbitrary or unlawful interference with his or her
privacy, family, home or correspondence, nor to unlawful attacks on his or her
honour and reputation”.
Article 27.3 further states that:
“States Parties, in accordance with national conditions and within their means,
shall take appropriate measures to assist parents and others responsible for the
child to implement this right and shall in the case of need provide material
assistance and support programmes, particularly with regard to nutrition,
clothing and housing”.
Article 5 (e) (iii) of the International Convention on the Elimination of All Forms
of Racial Discrimination (1965) obliges States:
“to prohibit and eliminate racial discrimination in all of its forms and to
guarantee the right of everyone, without distinction as to race, colour, or
national or ethnic origin, to equality before the law, notably in the enjoyment
of…(e)…(iii) the right to housing”
The Council of Europe’s European Social Charter (Art. 31) clearly states that
with a view to
“ensuring the effective exercise of the right to housing, member states
undertake to take measures designed:
1. To promote access to housing to an adequate standard;
2. To prevent and reduce homelessness with a view to its gradual elimination;
3. To make the price of housing accessible to those without adequate resources”
The position at the Council of Europe level is more limited than in the other
international conventions mentioned because the revised European Social
Charter only protects the right to housing of nationals of other Contracting State
Parties. However, the right to be free from degrading treatment in Article 3 of
the European Convention on Human Rights (ECHR) and the right to private and
family life, home and correspondence in Article 8 of the ECHR might also be
invoked to protect undocumented migrants from intolerable housing conditions.
http://www2.ohchr.org/english/law/crc.htm
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Federal Bureau of Statistics
Federal Bureau of Statistics (FBS) is an attached department of Statistics
Division. It is Pakistan's official statistical organization. It assists and encourages
informed decision-making, research and discussion within governments and the
community, by providing a high quality, objective and responsive national
statistical service. FBS compiles statistics from many sources and produces
global updates, including the Statistical Yearbook , Pakistan Statistics Handbook
and yearbooks in specialized fields of statistics
http://www.statpak.gov.pk/depts/index.html
Population Census Organisation, PCO
The census organization was established in 1950 as a part and parcel of Ministry
of Home Affairs and first three censuses were conducted by this organization
while working under that Ministry. After 1972 Census, Census Organization was
established on a permanent footing and was made an attached department of
Ministry of Interior, so as to maintain expertise, experience and continuity which
used to be lost after every census as was the case in 1951 and 1961. With the
creation of Registration organization in 1973, as an attached department of
Ministry of Interior and also headed by Census Commissioner, both the
departments were merged in 1976 to be called “Census & Registration
Organization”. In March 1978, the “Census & Registration Organization” was
split into two separate departments and Population Census Organization was
placed under the Statistics Division which remains as such thereafter.
The main functions of PCO are as under:
1.
2.
3.
4.
5.
6.
7.
Planning and execution of decennial Population & Housing Census.
Processing and dissemination of data in the form of Census Reports.
Analysis of census data and demographic research.
Evaluations of census results.
Intercensal sample studies/surveys in related areas.
Supply of census data to the data users.
Tabulation of data to meet specific demand of data users.
The Census (Population & Housing) is a Federal subject as listed at Sl. NO. 38,
of Federal Legislation list, Part-1, Fourth Schedule, Constitution of Pakistan. The
seats in the National Assembly are allocated to each Province/FATA and Federal
Territory on the basis of the Population in accordance with the last proceeding
census officially published. Article-51(3) of the Constitution Further distribution
of funds between the Federation and the Provinces are made through National
Finance Commission. Article-160(2) speaks about the formation of the National
Finance Commission which also uses census figures.
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The quota for recruitment to Federal posts is worked out on the basis of
Population ratios as given by the census. Establishment Division’s O.M.No.
8/9/72, TRV, dated 31st August, 1973, refers in this regard. The census is
undertaken with the legal cover of Census Ordinance, 1959 amended. There are
two
approaches
of
census
enumeration:
(a) De-jure – in which persons are counted at their usual place of residence
(b) De-fecto– in which persons are counted where they are found on the census
data. In 1998 census both the approaches were applied simultaneously during
enumeration, but the data was tabulated on de-jure basis. In addition to various
Population statistics, following set of Housing statistics are accessible on the
website of PCO:
-
Housing
Housing
Housing
Housing
Used
Housing
Indicators, 1998-Census
Units by Number of Rooms and Type
Units by Construction Material
Units by Source of Drinking Water, Lighting and Cooking Fuel
Units by Kitchen, Bathroom and Latrine Facilities
http://www.statpak.gov.pk/depts/pco/statistics/statistics.html#housing
Pakistan’s Housing Policy
A few salient features of the housing policy is as under:
Policy Measures - Low Income, Low Cost & Rural Housing
All new construction of houses on plots measuring upto 150 sq.yds. & flats /
apartments having an area of 1000 sft shall be exempt from all types of taxes
for a period of 5 years.
Land for housing schemes shall be provided to development agencies and
private sector builders and developers on concessionary rates subject to the
condition that proportionate subsidy is passed on to the target group .
Housing loaning agencies and companies shall provide standard and cost
effective designs and plans to the prospective home builders.
POLICY MEASURES - RURAL HOUSING
To promote rural housing the Provincial Governments shall examine the
possibility of granting proprietary rights to individuals and families residing in
houses constructed on shamlat deh and state land .
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Subsidized micro loaning facilities shall be extended for
construction and improvements through micro-financing
institutions like Khushhali Bank, Zakat funds, etc.
rural housing
systems and
4. The role of local bodies in planning, determining needs and preparing action
plans to mitigate the housing shortages shall be effectively defined including
resource mobilization at the local level
5. Construction clinics shall be established in rural areas to provide guidance and
advice for cost effective, durable and environment friendly construction.
For details refer to:
http://www.pakistan.gov.pk/divisions/ContentInfo.jsp?DivID=26&cPath=276_58
2&ContentID=3844
Victoria Housing
Victoria Housing services is a private limited concern formed to undertake and
float housing schemes, act as Project Advisors and build houses for and on
behalf of clients/customers in all major cities of Pakistan and abroad. Victoria is
working on a ‘Vision for Tomorrow’. Its mission is to provide healthy, peaceful
homes and complete peace of mind through the provision of the basic
necessities of life with ease and excellence. Only a well-built house is not
enough- Victoria Housing does not aim only to run a business and earn profit, it
aims to provide both social and mental peace to people while conforming to the
words of Phillip Moffitt: “A House is a home when it shelters the body and
comforts the soul”.
http://www.victoriahousing.pk/About_Victoria_Housing.htm
NGO major group discussion paper on WATER, SANITATION AND HUMAN
SETTLEMENTS, This paper was written based on contributions from the wider
NGO community, in response to a call for information sent out by the NGO Major
Group Focal Points. December 2003.
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