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Gender and Development

Home : Topics : Gender and Development : ADB Gender Activities : Loans : Pakistan

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>>Pakistan
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Loan Classification Definition

Pakistan

Thematic Classification

  1. Punjab Community Water Supply and Sanitation Sector Project - Loan 1950, 28 Nov 2002
  2. Social analysis of the project showed that provision of potable drinking water in the house will relieve women and children of the burden of fetching water from distant sources and time may be spent on more productive and income generating activities aside from health-related benefits. Project includes a hygiene education program wherein women councilors and lady health workers will play a catalytic role in hygiene education and household latrine promotion. Schools in the project area will also be provided with safe drinking water and latrines.Since women and children are main beneficiaries of the project, women will be involved in subproject planning, design and implementation. Female Community-based Motivators(CBMs) and female union councilors will assist the local women in forming female community-based organizations (CBOs) in all subprojects. To monitor women's effective participation and training opportunities, a female assistant director for CDU(community development unit) will be appointed to work with the women CBOs and CBMs. Also, a microenterprise development specialist will identify effective schemes and loan products for women. Gender strategy is included in Appendix to RRP. Loan covenant assures women's participation in planning.

  3. Decentralization Support Program-TA Loan on Gender and Governance Mainstreaming - Loan 1936, 21 Nov 2002
  4. The program will support the Government in addressing two key inequities - gender and local government resource endowment. The program has a two-pronged strategy - (i)support to implement Gender Reform Action Plans (GRAPs) by strengthening policy and institutional mechanisms for gender mainstreaming and (ii) mainstreaming gender concerns in intergovernmental systems and procedures including targeted capacity development for women councilors.The Gender and Governance Sector Analysis and Mainstreaming in Appendix to RRP discussed issues affecting women in the context of poverty, political processes, civil service and access to entitlements, and includes recommendations and strategies to increase women's representation and participation. The technical assistance (TA) loan supports implementation of the four central policy themes in gender and governance-improving women's representation and participation in political and administrative structures, policy shift from social welfare to social development and from women's development to gender equality, restructuring of national institutions and procedures dealing with gender issues , and engendering planning and budgetary processes to narrow the gender gap in public expenditure and service provision. Targeted interventions with support from the Gender Reform Program TA (TA3832) will be consolidated into GRAPs and will be implemented by Ministry of Women's Development, Social Welfare and Special Education(MWD) at the federal level and women's development departments at the provincial level. Gender disparities in public sector employment and women's exclusion from governance structures will be the focus of targeted interventions.

  5. Sindh Rural Development Project - Loan 1934, 20 Nov 2002
  6. The project will have a particular focus on women as the most disadvantaged among the target groups.The component on improved governance and legal support specifies that each lead NGO will include male and female paralegals among their staff. A detailed Gender Action Plan(GAP) emphasizes improving women's access to services, and supports the introduction of labor-saving appropriate technologies and the improvement of women's livestock management skills. Each of the five project components have specific targets and approaches to address gender issues and concerns. Project also provides for a full time gender specialist per district and the engagement of NGOs. Fifty percent of beneficiaries of training programs will be women and at least 30% of village groups will be women's groups. Loan covenant supports the implementation of the GAP.

  7. Decentralized Elementary Education Project (Sindh) - Loan 1916, 19 Sep 2002
  8. By increasing access to improved public elementary schools and providing more equitable access to education especially for females and the rural poor, the project will reduce inequities between public and private schools in Sindh. About two-thirds of beneficiaries will be female students who will receive stipends, free textbooks and scholarships under the support for girls' education component. A needs-based assessment to be done by school administrators, teachers, and community representatives will be made to improve access and facilties especially for girls in rural areas. This also includes the establishment of model schools (one for boys and one for girls) and 1,000 pre-primary classes in selected elementary schools, 50% of which will be for girls. Each of the training programs will contain gender component. The Gender Strategy Matrix specifically identifies activities that would target female students as beneficiaries.

  9. Access to Justice Program- Loan 1898, 2001

    Policy reforms include introduction and implementation of an affirmative opportunity program to remove barriers and encourage women to enter the legal and judicial professions; establishment of a human rights and gender sensitization policy for the police, including appropriate training and introduction of reward-and-sanction performance systems to promote citizen orientation, human rights and gender sensitization within police forces; and establishment of a legal empowerment fund to promote legal literacy through different media and advocate for the rights of the poor and disadvantaged, especially women. A related TA loan will support, among other things, a study on laws adversely affecting the poor, particularly women and children.

    View Report and Recommendation to the President

  10. Reproductive Health- Loan 1900, 2001

    The Project primarily addresses women's health and nutrition status through various targeted interventions, including improved in-service training for providers of reproductive health (RH) services; training of 4,400 female and 1,200 male family health workers; construction and upgrading of RH centers; information and education campaigns aimed at local leaders and men on family planning and other RH-related issues; upgrading of midwifery schools and other training facilities for RH services; and support to NGOs, female paramedics and private practitioners to expand and improve quality of RH services. Scholarships will be provided to help village women get additional basic education needed before technical training; health centers will be modified to provide privacy for women during examination and treatment; gender issues will be incorporated in training courses; women's use of health services will be monitored through specific indicators.

  11. NWFP Barani Area Development - Phase II - Loan 1787, 2000

    Project goals include improving status of women in traditional conservative areas where access and opportunities are limited. Gender-specific interventions include forming separate women's organizations (40% of total), providing village-based girls' education, training female village teachers, health awareness and family planning, training of traditional birth attendants, gender awareness programs including civil rights and access to justice, skill and entrepreneurship training, support for networking among women's organizations, provision of microfinance loans (30% target for women), gender specialists in project liaison office and district implementation units, provision of separate hostels and office space for women field staff and double cabin vehicles to facilitate women's participation, and efforts by government agencies to recruit and regularize more female staff.

  12. Microfinance Sector Development Program - Loan 1805, 2000

    Microfinance policy framework will increase outreach of microfinance institutions to poor women; framework provides for establishment of new Microfinance Bank (MFB) with women directors, 40% women staff and 40% women clients; income from Microfinance Social Development Fund will fund training of women's community organizations in community management, skills development and leadership; Community Investment Fund will fund community-based subprojects (with 50% women beneficiaries).

  13. Microfinance Sector Development Project - Loan 1806, 2000

    Project provides $68 million credit line for individual and group microloans for income-generating activities, community organization and skills training for women, and funding through the Community Investment Fund of community organizations for local infrastructure sub-projects. Microfinance Bank's (MFB's) mobile units will employ 40% female staff to disburse loans to women; targets include support for 24,750 community organizations including 225,000 women members (40% of total); additional targets for community management and leadership training of women; project monitoring includes gender-disaggregated data collection and project reviews include impact on gender relations; loan covenants support 40% targets for MFB's women staff and clients, training of women leaders and community organizations, gender-disaggregated data collection and regular monitoring of targets.

  14. Women's Health - Loan 1671, 1999

    Project objectives are to expand women's health interventions to underserved populations in rural areas; develop women-friendly district health systems that will benefit 2.4 million women each year; and strengthen institutional capacity to improve women's health. Activities include expanding community-based health care and family planning, safe delivery campaigns, media campaigns on women's health issues, development of women's health services and referrals, provision of safe houses for abuse victims, education on HIV/AIDS, and community-based training and advocacy. Loan covenants require district women's health plans, and targets for training and staffing of district midwives.

Significant Gender Mainstreaming

  1. Punjab Road Development Sector Project - Loan 1928, 31 Oct 2002
  2. Gender analysis showed that 40% of informal construction workers are women and their entire family works as a unit and are oftentimes not provided with adequate facilities and appropriate working conditions. Project ensures that civil works contracts will include legally mandated provisions for health, sanitation and appropriate working conditions including elimination of gender-differentiated wages and child labor. Gender monitoring will be part of the poverty monitoring mechanism for the project. Mainstreaming activtiies of the executing agency(EA) include targeting of women as workers in road construction activities, gender awareness training of staff at provincial and district levels, strict implementation and monitoring of labor laws, and provision of equal wages. Loan covenant requires government to ensure that EA complies with labor laws and regulations that address gender concerns as well as child labor.

  3. Punjab Farmer Managed Irrigation Project - Loan 1679, 1999

    Social assessment during project preparation examined gender issues, and confirmed that women in project area are primarily involved in collection of drinking water, and active in livestock-raising and crop production, but not directly involved in irrigation matters; they expressed interest in becoming more involved in community decision-making. Project provides for mobilization of village women's groups for water management and other activities, supported by women community mobilizers; at midterm review, further strategies to strengthen women's participation and access to resources will be examined. Project team includes gender specialist; project monitoring includes assessment of effectiveness of women's organizations.

  4. Malakand Rural Development Project - Loan 1672, 1999

    Surveys and consultations with women during project preparation showed that a significant proportion of women are engaged in farming, handicrafts and tailoring activities, but female segregation restricts access to extension, health and education services. Project objectives include women's human resource development and improvement of their income-earning potential. Project activities include development of community-based health services for women (including popular health and nutrition education, and training of 1000 female village health workers); development of women's organizations into revolving savings and credit associations with links to formal financial institutions; consultation with women on design of irrigation schemes; and involvement of women in design and implementation of water supply and sanitation schemes. Project provides for 10 female social organizers, and WID advisors to the executing agency and project management unit, to ensure women's participation and improve service delivery to women.

Some Gender Benefits

  1. Rural Finance Sector Development Program - Project Loan - Loan 1988, 2002
  2. Project loan provides institutional strenthening support to ZTBL(Zarai Taraqiati Bank Limited), SBP(State Bank of Pakistan) and project management unit of MOF(Ministry of Finance). Though Pakistan has no gender-disaggregated poverty data, studies showed that women bear the burden of poverty within family and household. Access to and control over resources are limited as is women's mobility because of seclusion. Strategy to address gender issues such as improved access to formal credit will benefit women because new microfinance institutions will be mandated to allocate 25% of loans to women. Improved access to lending and training together with mobilization will encourage entry of women entrepreneurs in rural economies. Increasing access for women will require additional staff and this will create additional job opportunities for women.

  3. Road Sector Development Program -- Provincial Sector Development Project - Loan 1893, 2001

    The Project includes a pilot project to develop community-based approaches to involvement of local populations, especially women and the poor, in road sector development, including group formation, training in road construction and maintenance, savings mobilization and training in other relevant areas (such as bookkeeping); groups will be awarded labor contracts specifying construction and maintenance responsibilities for a specified road length; pilot project will be implemented with assistance of an NGO experienced in social mobilization and rural development. Loan covenants require that civil works contracts include provisions on health, sanitation and working conditions for construction workers, and that contractors comply with applicable labor laws, including those on elimination of gender-differentiated wages, and not use child labor.

  4. NWFP Urban Development Sector- Loan 1854, 2001

    Socioeconomic survey during project preparation included interviews with female-headed households. Under community development and participation component, mechanisms will be developed for community participation, including consultation with women to identify needs and activities for operation/maintenance of public facilities (with support from community development advisor). Loan covenants require identification of social concerns in development of subprojects and mitigation of negative social impacts; monitoring of economic and social benefits of project for women.



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