Caritas Pakistan Faisalabad

Project Title:
Basic Education for Working Children Program in the Diocese of Faisalabad – Pakistan

Project Number: DCV 320-009/2004

Implementing Organization:

Caritas Pakistan Faisalabad

Bishop House, Railway Road
Faisalabad – Pakistan

Project Period: September 2008 – December2009

Objectives of the Project:

• By October 2010, 30 working children from target areas 20/2.L of Faisalabad

Diocese will have completed their basic primary Education through One-room
schools (evening classes)

• By October 2010, the parents of 30 Working children will have increased regular
incomes to provide their children with basic facilities through their income generating
schemes

1. Areas where the Project is Located:

Sr. No. Areas

1. Chak No. 20/2-L, Renala Khurd

2. Gulzar-e-Mustafa colony
2. Present situation in the Project Areas:
In this target area, evening classes are functioning. Loans have given, after credit cooperative
training was organized and Naya Rasta credit cooperative society has been established, in
20/2.L Renala khurd. Where the parents have now initiated their local income generating
schemes and the repayments are being deposited in the bank, close to their areas. With it
child working are coming in this school and they are getting education for his better future
from this school.

Cooperative (NRCS)
In Follow up area 20/2.L Renala khurd Naya Rasta Credit Cooperative Society is working
against poverty and child labor. Before one year their children were working in different
factories and workshops for labor and they have no saving and no loan for small business and
they have no long term planning against child labor in this village. After animation (co)
process we organize credit cooperative for the parents of child working in this community
and more members are women and they are giving saving and they are taking loan from this
cooperative society in 20/2.L. Naya Rasta credit cooperative society has been given (150000)
loan to these cooperative members before one year and cooperative Recovery team is taking
installments every month from these members regularly. So now we have been completed for
cooperative members (12) installments and now we are planning for new loan in follow up
area 20/2.L.so some recovery is in balance so now we are taking recovery from these
members and we are preparing record and recovery detail of all members which has taken
loan from cooperative society. In first phase cooperative gave loan to fifteen (15) members
and loan limit for every members was Rs.10.000 and this was decide that they shall return
this amount in (12) installments and every installment will be Rs.940 for every member . So
phase first we have finished but some defaulters still in balance. In this month of Nov-
Dec2009 we are working on Recovery because account department of caritas Pakistan
Faisalabad is checking record of recovery, saving and detail of defaulters. So this month we
complete Recovery detail foam and from the help of this foam we can understand present
situation of recovery and cooperative.

Loans of PKR. 10,000 were given to 15 beneficiaries (parents / families of working children)
in 20/2.L Renala khurd.

Meanwhile, from the evening classes, at least 15 children have joined formal schools from
the area where IGPs is running and according to the animator and the parents, the children are
doing well, as the animator and the working children’s teacher regularly do follow-up of
these children at the school and in their homes.

The teacher is invited every month, for a progress report and monthly lesson planning.
Salaries are given after the meeting is over.
The program Coordinator is regularly conducting monitoring visits of area in the 20/2.L but
due to transport problems, coordinator do not get regular visits. For IGP coordinator was
visited twice along with the Projects Department for monitoring and evaluation, which was
conducted in May 2008 and again in September 2008.

Changes in values

Sr.# Value/ Attitudes Changes

1 Dependency Interdependency

2 Unwanted tradition minimized

3 No IGP 24 Members are working on IGP

4 Children were working for labor 30 working children are coming in working
children school and 15 children are going in
formal school for getting education

Case Study
Mr. Shoukat Masih
Follow up area 20/2.L

My name is Shoukat Masih and I belong from 20/2.L Renala Khurd. I am married and I have four children and I
am a patient of T.B. My health is not good and I was jobless and my wife and my children were working for our
food. I was thinking that I can not work because I am weak and I am also T.B patient. More time I can not
take my medicine and my children were not going to school because we were very financial weak.
With my health my financial condition was also very weak. My big son he is 12 year old and he was
working in vegetable market and earning money for us. In our village 20/2.L Caritas Faisalabad is
working against poverty and child labor with us and for our children which are going for working in
different factories and workshops and vegetable market village they opened a school for those
children they are working in different places. My big son first time he is working in vegetable and
second time he goes in working children school and getting education from this school. One day area
animator Mr. Asher Nazir and LDC members came in my school and they told to me about working
children school and IGP program. they said that your son is coming in working children school so we
want that you become a member of Naya Rasta Cooperative Society (NRCS) and every month 100
rupees saving you deposit in this cooperative and Caritas Faisalabad will give you 10,000 rupees loan
for small business . I said that I want to start his work and I want to do work for his children and if I
success in his business then my children will not work for us and I want my children got education.
Naya Rasta Cooperative Society gave to me ten thousands rupees loan for small business. With this
amount I opened a small shop for kid’s things. God grace was with me and my family and I earned
money from this shop and I helpful for our family .Now I do not feel that I was a T.B patient now
from this profit I can take medicine and now my children are getting education . Every month I am
giving installment to cooperative society. Now my shop is working successfully and family is
satisfied from to me. This is a big change in my life and with the help of Caritas Faisalabad I took
new life before this I was as a dead man. I am very thankful to Caritas Faisalabad because from
caritas team I was motivated and I felt that I can do every thing if I have hope. Now I himself against
child labor I am happy now my children are going to school and in this village my shop is very
important and now I am working with caritas Faisalabad against child labor in 20/2.L Renala khurd.
For monitoring and evaluation caritas Faisalabad team from child labor department come regular in
my shop and they guide to me for improvement.

3. Project Progress since November 2007:

• Evening class room material, (black boards, copies, mats, table and chair) purchased
and given to working children school for target area 20/2.L Renala Khurd.

• New Teacher was selected from new target area and animator met with the parents to
send their children to the evening classes.

• Fifteen (15) children from working children school now are going to formal school.

• Credit Cooperative training and account training were conducted for the areas namely
Chak (village) 20/2-L. These training were conducted in February 2009.

• Loaning for new eight (8) members by Naya Rasta credit cooperative society.

• The parents / close family members of the working children, in this area are running
their Income generating schemes

• Loan installments deposit in Bank regularly and deposit receipts are in the record of
credit cooperative society.

• Bank statement of the cooperative society after three months is in the record of
society.

• Regular monitoring and evaluation for IGP by caritas Faisalabad in 20/2.L Renala.

• Written record of IGP and working children school is prepared by Naya Rasta Credit
cooperative society.

• Assessment form of working children and IGP is prepared by cooperative and this is
in the record of Naya Rasta cooperative society.
In Target area (NRCS) Naya Rasta Cooperative Society is working for against poverty so for
it they are collecting saving every month in our joint account. NRCS members are taking loan
For start his small business. Caritas Faisalabad is working with NRCS and giving skill in
account and business. Now community is working with caritas and they are getting training
and knowledge. Target area 20/2L we have four groups’

1. LDC
2. Education committee
3. Naya Rasta credit cooperative society
4. Recovery Team for collection

One school for working children is working for

those children which are not going to school. In this
school thrity (30) working children are coming in evening for study. NRCS has 30 members and 15
members has been started his small business. They are giving in every month his installment and
saving. NRCS president said that after Dec2009 we should gave loan same member because in
January2008 we shall have in our joint account Rs/ 101200.Animator Mr., Asher Nair said that after
10 January2009 we shall planed next loan for small business.

Visit and meeting with working children school in target area 20/2L.In this meeting teacher present
report of school activities. More children were present in this school .Monitoring team by Caritas
Faisalabad has to visited this school in Oct2009.In coming days Child labor Department will take test
from these children. Monitoring team;

1. Mr. Imran Andrew (project coordinator)

2. Razia Shoukat (coordinator child labor)
3. Asher Nazir (Animator)

They Appreciated to LDC and teacher work for this school which they are working with Naya Rasta
Cooperative society in 20/2.L Renala khurd.

Recovery Team

In target area 20/2.L NRCS is working against poverty and child labor with caritas Faisalabad
Pakistan. Recovery team members are working with cooperative and they getting are money from
those members which are not giving installments to Naya Rasta Cooperative society. So this
Recovery team collects installments and after that they deposit these installments in cooperative
society account in Bank. Recovery Team keeps deposit receipts in cooperative society for the record
and original Copy of deposit receipts send to caritas office Faisalabad for the evidence.
With it bank statement after three months they must take from Bank and send to caritas office
Faisalabad regular in account department.

4. Project Analysis:
4.1 Evening Classes:
In the area of 20/2.L school for child labor is working Naya Rasta Credit Cooperative Society
so in this working children school (30) students are getting education in evening time with
children of different ages. This class is being held in the house usually of the local teacher.
The teacher has been trained and monthly meetings are held at the office, where along with
the salaries, the Program Coordinator gives further inputs and refreshes their knowledge.
Further, the teacher gives the progress report of the children and their lesson plan for the
coming month.

In the area, where IGPs is running, 15 children from Chak 20/2-L have joined formal schools.
4.2 IGPs:
4.2.1 Cooperatives & IGPs:
Parents groups in Chak 20/2-L has been converted to Credit Cooperative societies
Cooperative training was held in February 2008 with 30 families in this target area. Loans of
PKR. 10,000 have been given to 15 families in this area, for the Income generating schemes
selected by these families.

These families are successfully running their business, as was seen during the monitoring and
evaluation visits conducted in Oct2009. The repayments are regularly being deposited in the
bank, close to the target area by the members, along with the area animator and Recovery
team.
Now Naya Rasta Cooperative Society will revolve next loan for same members in
January2010.

Shops Visit for small Business

In follow up area 20/2.L we are working on small business and we have cooperative in follow
up who is working with the parents of working children in this area. (30) Working children
are in our working children school and their parents are members of Naya Rasta Cooperative
Society and first they took membership and after they are giving saving to cooperative and
cooperative gave loan to these members for small business in this area. Now these members
are working on their business and earning money and they are returning installments to
cooperative.

So in the month of Oct2009 Caritas team from child labor and project department were come
in follow up area for cooperative members so with this team we visited cooperative member’s
shops which are working on small business from cooperative loan. Child labor coordinator
saw shops and she appreciated to members who are earning money and they are giving
installments to cooperative society and now their children are not working at different place
and now these children are going to school. In this visit cooperative members said thanks to
caritas Faisalabad for this action against poverty and for the guideline of caritas now we have
his small business and now we are earning money.
Impacts
1. Women Mobility is observed in the target areas, increased participation of community members
in the development of the areas.
2. Communities are contributing in the program
3. Decision making has been improved among women in the areas
4. Communities has been started activities on self help basis
5. People took interest during Lenten Campaign
6. Naya Rasta Cooperative Society is working against poverty and child labor
7. Working children parents are improving IGP and their children now going in school
8. Kitchen gardening program is working with 37 families
9. (30) working children are getting education in child labor school
10. (24) cooperative members are working on IGP in follow up area
11. Communities achieved training on skill and leadership and cooperative

Cooperative (NRCS)

In Follow up area 20/2.L Renala khurd Naya Rasta Cooperative Society is working against
poverty and child labor before one year they have no saving and no loan for small business
and they have no long term planning against child labor in this village. After animation (co)
process we organize cooperative in this community and more members are women and they
are giving her saving and they are taking loan from this cooperative society in 20/2.L. we had
been given (150000) loan to this cooperative society before one year and we are taking
installments every month from cooperative members regularly. So now we have been
completed for cooperative members (12) installments and now we are planning for new loan
in follow up area 20/2.L.so some recovery is in balance so now we are taking recovery from
these members and we are preparing record and recovery detail of all members which has
taken loan from cooperative society. In first phase we were fifteen (15) members and loan
limit of every members was Rs.10.000 and this was decide that they shall return these amount
in (12) installments and every installment will be Rs.940 for every member of Naya Rasta
cooperative society . So phase first we have finished but some recovery still in the hands of
defaulters. In this month of Sep-Oct2009 we are working on Recovery because account
department of caritas Pakistan Faisalabad is checking record of recovery, saving. So this
month we complete Recovery detail foam and from the help of this foam we can understand
present situation of recovery and cooperative. In second phase cooperative gave loan to more
eight members for small business in 20/2.L Renala khurd. So this loan we gave from
Recovery which Recovery team collected from members. In this process we achieved many
progress against poverty and child labor. But with achievements we have to face some
weakness as defaulters so with the help of recovery team we are getting recovery from
defaulters. Our record is maintained. In 2010 we shall again revolve our recovery in same
members which business are running and they are giving installments regular to Naya Rasta
Credit Cooperative Society.
Changes in Income / Education / Awareness and Empowerment

Income 1. Increased prosperity

2. Small business established
3. 24 cooperative members are working on
IGP for against poverty and child labor

Education / IGP Community is giving priority to education and

IGP

Awareness and Empowerment Critical awareness raised

4.2.2 Documentation and Bookkeeping:

The members have been given passbooks in which they record their accounts, regarding the
loan amount and repayments. The record is also being maintained at the office on registers
and in addition to that record is also being kept of the deposit slips (installments being
deposited in the bank) and bank accounts statements.

Evidence
1. No of organized groups
2. No of trained volunteers / leaders
3. No of self help basis activities in follow up and target
4. Record of the groups
5. No of cooperative members and their saving in Bank
6. IGP in follow up area

4.2.3 Re-Loaning:

In Chak 20/2-L, eight new members have been given loans from the recoveries.

5. Monitoring and Evaluation:

Overall the animators have been conducting regular monitoring visits, to the evening
classes, while IGPs is functioning; the animator along with the local members is also
monitoring the IGPs. The Program Coordinator makes visits to the target area to monitor
and evaluate the project activities on monthly basis. And also the monitoring is done
during the monthly meetings with the teachers in the office, their progress is assessed
through their reports and lesson plans. The project has been evaluated by the Projects
Department twice, the first in May 2009 and second in September 2009.

Ownership
Community groups have been enabled to sustain the project. They also own the project through their
participation in the project.
Participation of groups in the project

Project preparation Implementation Monitoring Evaluation

1. Collection of 1. Contribution of 1. Visiting the 1.meeting with

information time , talent and project sites beneficiaries of the
regarding treasure , 2. Monitoring the project
working 2. Performing role and
children project assigned responsibilities 2.Meeting with
2. Compilation of responsibilities LDC and
information for regarding IGP cooperative
project members
3. Distribution of 3.visit IGP with
responsibilities cooperative
members

Child labor coordinator visit and meeting with cooperative

In follow up area 20/2.L Renala khurd we visited to cooperative members house to house
which are not giving installments to cooperative society. Child labor coordinator said that
recovery team should work on recovery for those members who are not giving installments to
Naya Rasta Cooperative Society which is working in follow up area for child labor and small
business. So they met to defaulters and they asked reasons that why they are not giving
installments to cooperative society. She said that if these members shall not give installments
to cooperative society other members could not take benefits from more loans. Project
coordinator from caritas Faisalabad said that recovery team should take interest for Recovery.

In this visit and meeting area animator Asher Nazir and president of cooperative and
Recovery team members and LDC members were present. So all members decided that we
shall recover these installments from those members still which members are not giving to
cooperative society.

Child labor coordinator and project coordinator also visited small business which was
benefited by cooperative society and now they are earning money from his shops and they are
giving installments regular to cooperative society. With it caritas team visited child labor
school who is working in Renala khurd parish. So in this school they met with school teacher
and children and asked about school performance by school teacher and animator which are
working for it. In the last child labor coordinator and project coordinator decided that in
coming month cooperative society should give loan for those members which have paid all
installments to cooperative. Because this amount only they can use for small business which
business they are doing so aging they can took loan from cooperative society.
Methodology
In target area and follow up area animator use ten step methodology to organize the community,

1. Exposure and immersion

2. Social Investigation
3. Identification of local leaders
4. Group formation
5. Issues and Needs Identification
6. Planning
7. Action Taken
8. Monitoring
9. Evaluation
10. Future planning
Effects
1. Increased level of awareness among the communities
2. Organized groups own the project
3. Communities implementing self help based activities in the follow up and target area
4. Community leaders are having regular meeting with Govt. Official for the project
5. Strong relationship among community
6. Women mobility is observed
7. Economically cooperative 24 members are working on IGP and their business are growing
better
8. Community is now working against poverty and child labor in follow up area
9. Written Record maintain in follow up and target area
10. Women are now members of LDC and cooperative E-Body

Problems:
1. In follow up area some members are not giving installments to cooperative.
2. Gap in follow up by caritas office Faisalabad to monitoring.
3. Members do not take interest in defaulters.
4. Some children habit of working is very strong and again they follow this habit.

General Assessment of the Project

Problem, solution and potential:

Sr.# Problem Solution Potential

1.Team sprit
1 Recovery of Recovery team and LDC work together with 2. Record keeping
cooperative cooperative 3.IGP are working

2 Working children Teacher and LDC did visit their houses and Their parents also
are not regular in talk their parents member of cooperative
school and working on IGP

3 Record keeping E-Body of cooperative society involved Cooperative members

working school teacher for record keeping have got training on
1.Record keeping
2.Account maintain
7. Proposed Future Planning / Recommendation:
• The Recovery team members have to work with LDC and get Recovery from the
defaulters.
• Child labor department should visit and monitoring regular in areas.
• Loans are given to the same area, where evening class is functioning, so that IGPs
can be initiated and the income of the parents can be increased.
• Some activities should start in school and children should take part in this as
picnic, matches, Christmas play, and sports.

Prepared by: Submitted by:

Asher Nazir Yasmine Joseph

Caritas Pakistan Faisalabad Executive Secretary
Date: 11-Des-09