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Yes
Yes
Yes
Yes
No
No
No
No

5
Your Organization has the following internal controls and external audit
systemsaspertherelevantlawsofitsregistration:
TwoyearsAuditReportfromaQCRratedAuditor
HumanResourceManagementSystem
ManagementandFinancialInformationSystems(MIS/FIS)
InternalAudit/MonitoringSystem
AccountingSystem
ExternalAuditCompliance
Yes No
6
Your Organization is nonpolitical, nondiscriminatory, nonethnic, non
sectarianandinclusiveinnature.
Yes No
7
Your Organization has a transparent recording of all previous or current
sourcesoffunding.
Yes No
SPECIFIC
8
Your Organization has the experience of implementing credit to target
groupsupto40onthepovertyscorecard.
Yes No
9
Your Organization is experienced in working on livelihoods and micro
enterprise development, with a focus on the ultra, vulnerable and transitory
poorincludingwomen,youthandpersonswithdisabilities.
Yes No
10
YourOrganizationhastheexperienceofworkingintheproposeddistrict/sor
unioncouncils?
Yes No
11
Your Organization has the expertise of assessing households on the Poverty
Scorecardandwealthranking.
Yes No
12
YourOrganizationhastheexpertiseofmanagingdatabasesandmanagement
informationsystems(MIS).
Yes No

2ProposalFormat

RequestforProposal
PrimeMinistersInterestFreeLoan(PMIFL)Scheme
ProposalGuidelinesforPartnerOrganizations

Overview
PPAFhaspreparedthisdocumentasaguidancetoolforPartnerOrganizations(POs)indevelopingtheir
proposalsforthePrimeMinistersInterestFreeLoan(PMIFL)Scheme.

Thisdocumentcoversthefollowingthreeareasonwhichtheproposalswillbeappraised:

A. OrganizationalandInstitutionalCapacityofthePO
B. LocalCommunityAreaAssessmentforPMIFLScheme
C. ProposedStrategyforImplementingthePMIFLScheme

GuidanceforPOs
ThefollowingmustbeconsideredwhilerespondingtoPPAFsrequestforproposals:

Keeptheproposalbriefandrelevant

PPAFwillassumethattheinformationprovidediscorrectanduptodate.

ProposalFormat
(NeedstobefilledandsubmittedbacktoPPAF)

A. OrganizationalandInstitutionalCapacityofthePO

Please reflect why you think your organization is suitable for taking forward the Prime
Ministers Interest Free Loan (PMIFL) Scheme.Please limit your writeup to a maximum of 3
pages.

A.1. Overview:
Historyoftheorganization
Vision,MissionandObjectives
AreaofOperations/GeographicalCoverage(Districts/Tehsil/Taluka/U/Cs)

A.2. InstitutionalStructure:
LegalStatus(Registrationcertificate&Bylaws)
Ownership&GoverningBody
o CEOsprofile
o BoD/Governing body (Independence, Women representation , members not related with each
otherandregularmeetings)
o Crossculturalexperience(QualifiedandexperiencedBoardMembers)
o Compliancewithregularityrequirements
Management&OrganizationalStructure
o Stafflistwithdesignation,Qualification,experienceanddateofjoining
InternalControls:
o HumanResourcePolicy
o ManagementInformationSystems&FinancialInformationSystems(MIS/FIS)
o InternalAudit
o Monitoring&reportingSystem
o OtherOperationalSystems(SOPs)
o ExternalAudit

A.3. FinancialAnalysis:
Last3yearsauditreports
Balancesheetanalysis
Indicators 201112 201213
201314
(AsofMarch)
Totalassets
TotalLiabilities
FundBalance/Reserves/Equity
NetIncomefromOperation
Donation/Grants

NetSurplus/Deficit
A.4. CreditPortfolio(ForMFIs)
ExperienceinInterestFreeLoan/conventionalmicrocredit*:

Indicators 201112 201213

201314
(AsofMarch14)
i) LendingModel
Individuals/Groups/Cos/VOs/LSOs

ii) Amountdisbursed
iii) TotalNo.ofloansserved
iv) Averageloansize(Rs)
v) OutstandingLoanPortfolio
vi) TotalNo.ofActivebarrowers
vii) Markuprate(effective)
viii) Insurancecoveragerate
ix) Recoveryrate(%)
OSS(%)
PAR>30Days
*Pleaseattachcopyofthecreditpolicy

A.5. ExperienceofPOinimplementationoflivelihoodprogram/projects

Sr.
No
Nameof
Livelihood
Projects
Typeof
intervention
Sourceof
Funding
Duration
(from
to)
Total
amount
Amount
Disbursed
Noof
Beneficiaries
Present
status

Implementationmethodologyfor:
Selectionofarea
Areaassessmentandenterprisedevelopmentpotential
Selectionandassessmentofbeneficiaries(PSC,social&technicalappraisal)
Other
A.6. PartnershipwiththeInstitutions,inthelastThreeyears,

NameofDonor Project
Duration
(FromTo)
Totalamount
offunding(Rs)
District/UC PresentStatus

B. LocalCommunityAreaAssessmentforInterestFreeLoans

ThefocusofthePrimeMinistersInterestFreeLoansSchemeistoenhanceproductivityandgraduate
households out of poverty and make them bankable for MFIs, MFBs and other financial institutions.
Please provide a brief overview of the scope and potential for interest free loans in your suggested
areas.

B.1. Brief profile of the area/s that you are proposing for disbursing these loans, and the economic
developmentpotentialthatexistsinsectorsandsubsectors,suchas:

Agriculture Livestock Poultry

Fisheries Heritage/Crafts Others(pleaseadd,ifrequired)

Please highlight the potential of this intervention to addressing social & demographic indicators and
otherimportantneedsincludinginclusion(women,youth,disable&minoritiesandenvironmentaletc)

TableABasicInformationofproposedarea

# Districts Tehsils
Nameof
proposed
UCs
Total
HHs
Total
Population
oftheUC
TotalHouseholdswithPSC
No.ofHHs
PSC030

No.of
HHsPSC
3140

Total
HHs
PSC
040

B.2. Whatarethepriorityissuesandconstrainsofhouseholdsonapovertyscorecardofupto40?What
aretheeconomicactivitiesthattheycanbesupportedfor?

B.3. Whatsourcesofformal&informalmicroloansareexistinginthearea?Aretheseaccessibletothe
targetedhouseholds?Ifnot,why?Ifyes,whatistheloanrepaymentculturethatexistsinthearea?

C. ProjectProposal

PleaseprovidedetailsofhowyouintendtoimplementtheIFLScheme,includingtheimplementation
arrangements,howmanyloansyouproposetodisburseoveraperiodof1year.

C.1. Howyouwilleffectivelyandefficientlyleveragepreviousinvestmentsmadeinto,andthrough,
yourorganization:(Fivedevelopmentelements)
Areaassessment
ManagementsystemMIS/FIS
Networking&Socialcapital
Humanresource
Assets/equipment

TableA.Dependingontheimplementationarrangementsyouwishtopropose,pleasefilltherelevant
table/sgivenbelowasestablishingaBranch/LoanCenterwithaoneyearplan:

#
District/Tehsil/
UC
#ofBranches
tobe
Established
Potentialclientsfor
InterestFreeLoan(0
40onPSC)perBranch
LoanFunds
requiredper
Branch
OperationalCost

C.2.Pleasesharestrategytodelineateinterestfreewithinterestclient/HHs/UCs(ifapplicable)

TableB:Whattypeofeconomicactivitiesyouareforeseeingforgivingloanstobarrowers:
# EconomicActivity
ExpectedNo.of
Barrowers
AverageLoansize
(Rs)
Total
1 Crops/Vegetables
2 Agriculturaltrading
3 Livestock&livestockproducts
4 Poultry/Fish
5 Embroidery/stitching
6 Handicrafts
7 Retailing/pettytrading
8 Lightengineering/workshop

C.3. In addition to the settingup of the branch or loan outlets, how do you plan to undertake the
followingactivities?
Capacitybuildingofstaff,TTO/LSOsandendbeneficiariesofPMIFLScheme
Disbursementoffundsatbranchlevelandloancenters
Ensuringproperutilizationoffundsbybeneficiariesandontimerecovery
Inclusion(women,PWDs,youth)
Revolvingandgrowthoffunds
Monitoringmechanism
Impactassessment
EnsuringcompliancewithESMFwhileimplementingthevariousactivities
Communicationstrategy

Priority Districts for

Prime Ministers Interest Free Loan (PMIFL) Scheme
Province Districts
Sindh(11)
Thatta Khairpur Dadu
Badin Shikarpur Ghotki
Sanghar Kashmore Tharparker
Karachi KarachiWest
Punjab(13)
Layyah Narowal NankanaSahib
Muzaffargarh Jhang Rajanpur
DGKhan Khushab Bahawalpur
Multan Bhakkar
Bahawalnagar Lodhran
Baluchistan(15)
Pishin Lasbela Noshaki
Kharan Zob KillaSaifullah
Quetta(Rural) Gwader KillaAbdullah
Ziarat Kech/Turbat Awaran
Panjgoor Loralai MusaKhail
KPK(15)
Shangla UpperDir LakiMarwat
Batagram D.I.Khan Chitral
Haripur LowerDir Charsada
Swabi Kohistan
Swat Bannu
Buner Mansehra
AJK(5)
Muzafarabad Kotli Haveli
Nelum Hattian
GB(4)
Skardu Astore Ghizer
Ghanche