Prg - Housing & Works

PIPS

P O L I C Y R E S O U R C E G U I D E

F O R

Committees on Housing and Works

June 2008

This document is produced by Pakistan Legislative Strengthening Project (PLSP)

P A K I S T A N I N S T I T U T E F O R P A R L I A M E N T A R Y S E R V I C E S

Policy Resource Guide Committees on Housing and Works

C O N T E N T S

1 Purpose of the Resource Guide 3 2 Overview of the Ministry of Housing and Works 4 3 Housing and Works Division 6 4 Departments 7 5 House Building Finance Corporation Ltd 11 6 Institutional Resources Housing and Works based Projects in

Pakistan 15

7 Informational Resources 25

PAKISTAN INSTITUTE FOR PARLIAMENTARY SERVICES June 2008 2


P U R P O S E O F T H E R E S O U R C E G U I D E

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 eg Pakistan Development Gateway (wwwpdgcom) etc The resources are divided into three sections informational institutional (international and national) and Human resources



O V E R V I E W O F T H E M I N I S T R Y O F H O U S I N G

A N D W O R K S 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 co-

operative 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 amp Works as Chairman) and through an Executive Committee Headed by the Secretary Housing and works



13 Matters relating to Pakistan Housing Authority

Organizational Chart



H O U S I N G A N D W O R K S D I V I S I O N

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



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 residential accommodation and Payment of compensation or rent





operative housing Society in Karachi except those under the Defence Division







D E P A R T M E N T S

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 193 million 677 housing was in rural areas and 323 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 43 million units The additional annual requirement is estimated around 300000 units thereby resulting in a recurring shortfall of 270000 housing units annually

Realization of the present and future scenario caused the creation of ldquoFederal Government Employees Housing Foundationrdquo in 1989 to achieve the following objectives

1 To formulate policies programs and projects for providing shelter to serving and retired Federal Government Employees and their dependents

2 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

3 To undertake redevelopment of FG Housing Estates to increase housing stock and improve the living and environmental conditions and

4 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 ldquoPrivate Companyrdquo limited by guarantee under Companies Ordinance 1984 Since its inception it has served more than 22000 members of the target groups

httpwwwfgehfgovpkindexhtm

httpwwwfgehfgovpkOverviewObjectiveshtm



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 plansprogrammes 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 No72000-Mn-I dated 8th June 2000

httpwwwpakistangovpkdivisionsContentInfojspDivID=26ampcPath=276_582ampContentID=3844

Pakistan Housing Authority Pakistan Housing Authority a subsidiary of Ministry of Housing amp 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 Housing scheme for the officers of Federally Constituted Occupational

Groups 2 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 amp 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 Authorityrsquos Housing program is perceived by the leading designers and is being implemented through the most renowned Engineering Consultants and Construction Companies of Pakistan

httpwwwphagovpk



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

httpwwwpwdgovpkfrontasp

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 ie Karachi

The organization was initially headed by two successive British Heads of Department namely MrMSFieldman and MrKHHenly 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 Provision of government accommodation to the Federal Government officers or officials from BPS1 to 22

2 Provision of Government accommodation to the Ministers Minister of State advisors and other authorities under the rules

3 Assessment of rent of privately hired requisitioned houses with the help of Pak PWD and Finance Division

4 Maintenance of General Waiting Lists of FGS in BPS 1 to 22



5 Ejectment of unauthorized occupants from Government accommodation 6 Maintenance of record of payment (Cash Books Ledgers Cheque Books

etc) in respect of privately hired houses and buildings 7 Maintenance of record of the house rent charges being recovered from the

FGS who are provided with government or private hired houses

httpwwwpakistangovpkdivisionsindexjspDivID=26ampcPath=276



H O U S E B U I L D I N G F I N A N C E C O R P O R A T I O N

L T D ( H B F C L T D )

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 Rs5 million it expanded its activities necessitating enhancement of its paid-up capital and now paid-up capital is Rs350 Billion Today it is the largest housing finance insititution providing investment facility for construction and purchase of houseflats through a large country-wide network of 3 Regional 12 Zonal and 58 District Offices 4 camp offices and 25 Representative OfficesService 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 41437 billions provided housing finance facility to 28 corporate clients for Rs 17 million made recoveries of Rs 51368 billions and has an investment portfolio of Rs 196 billion HBFC Ltds average annual disbursements and recoveries are around Rs 25 to 3 billions At present it is handling over 103736 operative accounts with work force comprising of 864 HampR officers and HampR 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 HBFCrsquos scope also branched out into diverse dominions like purchase repair and renovation of houses Later on HBFCrsquos 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 HBFCrsquos 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 OfficesService 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 HBFCrsquos Head office is situated in Finance amp Trade Centre Karachi Since inception todate the corporation has financed over one and half million units for Rs 41437 billions provided housing finance facility to 28 corporate clients for Rs 17 million made recoveries of Rs 51368 billions and has outstanding portfolio of Rs 196 billion Disbursed Rs 600 millions flood loans to over Rs 04 million affected families granted remissions to Widows Orphans and retired Government Servant of Rs 123 billion on Federal Governmentrsquos



directive Its Average annual disbursements and recoveries are around Rs 2-12 to 3 billions It has contributed Rs 17149 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 19-storeyed Office Building named ldquoHBFC Houserdquo Islamabad HBFC owns prestigious Office BuildingsPremises 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 MS NESPAK stands approved by HBFC Board of Directors HBFCrsquos paid up capital is Rs 350 Billion (537 percent for Federal Government and Rs 4643 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 ldquoHBFC Ltdrsquorsquo 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 Ltdlsquos main aim has remained to provide Sharia compliant financing to its consumer market HBFCrsquos 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 grouprsquos housing needs Thus HBFC offers a wide range of products for the ministration of its consumers House Construction Financing financing for purchase of houseflat renovation of PAKISTAN INSTITUTE FOR PARLIAMENTARY SERVICES June 2008

12


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 ldquoGhar Aasan Schemerdquo based on diminishing Musharka a Shariah compliant scheme under which credit for construction and purchase of houses is allowed

2 ldquoShandar Ghar Schemerdquo under which credit for repairs renovationup-gradation is available

3 ldquoLoan facility for Small Builder rdquo for construction and sale of small housesflats

4 ldquoGhar Aasan Scheme (Flexi)rdquo for construction purchase and renovation for housesflats

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 amp Loss scheme based on income sharing and Simplified amp 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 leasinghouse 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



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 Ltdrsquos clientele is low-income people where loan amount is less than Rs100 000 whereas nearly 80 clients have per party loan below Rs500 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 ldquoto 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 amp Medium Housing (SMH) sectorrdquo Its Mission is now ldquoto be a socially responsible and commercially sustainable housing finance institutionrdquo httpwwwhbfccompkdefaultasppgid=6



I N S T I T U T I O N A L R E S O U R C E S H O U S I N G A N D W O R K S B A S E D P R O J E C T S I N P A K I S T A N

Community Development Program

Community Development Program a non-profit organization based in Shakardarra Kohat is committed to providing essential necessities to the under-privileged 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

httpwwwmycdporg

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 projects various activities have helped rural communities in the area and detailed contact information is available on this site

wwwrspnorgfilesmolprphtm

Northern Area Development Project (NADP)

The Northern Areas (NA) of Pakistan covers 72500 sqkm on Pakistans Northeast frontier border Diamer District one of the five districts of Northern Areas was created in 1972 and spreads over 14650 sqkm It comprises of three subdivisions Chilas (3500 sqkm) DarelTangir (3000 sq km) and Astor (8150 sqkm) The Northern Area Development Project (NADP) covers Chilas and DarelTangir 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 valleys roads and village infrastructure This website provides further details of the project a calendar of events and relevant contact information

httpwwwifadorgenglishoperationspipaki453pkindexhtm



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 long-term 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

httpwwwsqptgsdnpkorg

Khidmat Foundation

Based in Abbottabad the Khidmat Foundation believes in participatory self-reliance 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

httpwwwkhidmatsdnpkorg

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

httpwwwinsaniyatsdnpkorg



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

httpwwwherasdnpkorg

Falaahi Tanzeem Hasil

This is one of the few websites which provides its contents entirely in Urdu Hasil villages 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 societys activities to improve the quality of life of the residents are outlined in this site together with relevant contact information

httpwwwhasilsdnpkorg

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 provinces total land mass and 42 of the population The programmes objectives include increasing the provinces 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 65 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 ADPBs activities from social and gender mobilization horticulture and livestock to range management and more together with relevant contact information

httpwwwadpbsdnpkorg



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 womens 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

httpwwwthalsdnpkorg

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

httpwwwgeocitiescomsindhsociety

Frontier Resource Center (FRC)

Frontier Resource Center (FRC) aims to enhance the capacity of NGOs amp CBOs in NWFP through its various programmatic interventions that include Information - collection amp dissemination Training Research amp Documentation and establishing functional Networks amp Linkages The site includes extensive information on FRCs 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 CBOs and NGOs of the province Another feature of the site is its directory of the resource persons

httpwwwfrcsdnpkorg

Environmental Protection Society (EPS)

Founded in 1991 Environmental Protection Society (EPS) is a non-profit and non-ethnic organization concerned with the physical social amp 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



httpwwweps-swatorg

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 IWMIs 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 IWMIs national and international partners in Pakistan is also accessible here

httpwwwiwmicgiarorgPublicationsPakistan_Reportsindexaspx

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

httpwwwthardeeporg

Human Resources Management and Development Centre (HRMDC)

Human Resources Management and Development Centre (HRMDC) is a Non-Governmental Organization established in 1994 Its vision is to evolve people-centered development through training research community development and networking in the North West Frontier Province Pakistan The site carries some worthy information about HRMCs initiative like Paper Recycling community-based primary education research networking and various training programmes for the governmental and non-governmental organizations

wwwhrmdcsdnpkorg



Thread Net Hunza

A project of the Karakoram Area Development Organization (KADO) a non-profit community-based organization working to promote sustainable development of mountain areas in northern Pakistan Comprising embroidery carpets traditional goatyak 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 (wwwpanasiaorgsg) which contains the images of these products and from where mail orders can be placed for them

wwwthreadnethunzacompk

Pakistan Housing Authority

Pakistan Housing Authority (PHA) is a subsidiary of Ministry of Housing amp 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 PHAs schemes

httpwwwphagovpk

Asian Development Bank Pakistan

This section of ADBs 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

httpwwwadborgPakistandefaultasp

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 amp Forestry Workers Co-operative Organization (SAFWCO) Rural Womens Welfare Organization and Guards of Environment and Nature (GEampN)

httpwwwgaiaorgsecretariatsgenoceaniaindexhtml



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

httpwwwhsdaitacthbestpracmatchinghtm

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

httpwwwtpcgcomjaycees

Humdard Welfare Society

Humdard Welfare Society is a CBO (Community Based Organization) non-governmental non-political and non-religious organization established in October 1996 The basic aim of the society is to support amp promote the community development at grass root level The site outlines the objectives achievements and future plans of the Society in their respective links

httpHamdardhypermartnet

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



activity and lobbying with government to address their neighborhood problems In URCs web site the surfer can find all the material related to its background activities different projects and a list of publications available at URC

wwwurckarachiorg

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

httpinfolutacukcgi-binAT-wedcsearchcgisearch=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

httpwwwundporggefsgpsgpasiahtm

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

httpwwwsurfsouthasiaorg

DFID - Publications

The site maintains published reports regarding the DFID projects in Pakistan

httpwwwdfidgovukdfidaroundworldasiapakistanhtm



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

httpwwwgeocitiescomRainForestVines4813introhtm

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 womens emancipation participatory development coalitions project funding and special village education programmes SPOs success stories its Learning Information System (LIS) Development Resource Centre (DRC) database of support organizations employment opportunities and contact information are also available online

httpwwwspopkorg

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

httpasianicssdnpkorg

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 amp rehabilitation activities in earthquake affected areas encouraging self reliance via private public partnership and community participation ensuring financial transparencies



This site has different links of reconstruction sectors like housing education health care livelihood transportation agriculture and livestock environmental power generation protectionvulnerable 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

httpwwwislamic-relieforgpkhttpwwwerragovpkWebFormshomeaspx



I N F O R M A T I O N A L R E S O U R C E S

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 statersquos 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

httpwwwpakistaniorgpakistanconstitutionpart2ch2html

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 lsquooutputrsquo measures which assess what is being provided by the social sectors ndash enrolment rates in education for example They include a range of lsquooutcomersquo 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

httpwwwstatpakgovpkdeptsfbsstatisticspslm2006_07contents_tables_figurespdf

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



the full development of the human personality and to the strengthening of respect for human rights and fundamental freedoms httpwwwunorgOverviewrightshtml

INTERNATIONAL COVENANT OF ECONOMIC SOCIAL AND HUMAN RIGHTS

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 ldquoadequate standard of livingrdquo 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

ldquoThe 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 consentrdquo

httpwwwunhchrchhtmlmenu3ba_cescrhtm

Convention on the Elimination of All Forms of Discrimination against Women CEDAW (1979)

Article 142 (h) of the Convention on the Elimination of All Forms of Discrimination against Women (1979) states that

ldquoStates 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 righthellip(h) to enjoy adequate living conditions particularly in relation to housing sanitation electricity and water supply transport and communicationsrdquo

httpwwwpicumorgHOUSINGHousing_Right1htm



CONVENTION ON THE RIGHTS OF THE CHILD CRC

Article 161 of the Convention on the Rights of the Child (1989) states that

ldquoNo 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 reputationrdquo

Article 273 further states that

ldquoStates 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 housingrdquo

Article 5 (e) (iii) of the International Convention on the Elimination of All Forms of Racial Discrimination (1965) obliges States

ldquoto 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 ofhellip(e)hellip(iii) the right to housingrdquo

The Council of Europersquos European Social Charter (Art 31) clearly states that with a view to

ldquoensuring 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 resourcesrdquo

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

httpwww2ohchrorgenglishlawcrchtm



Federal Bureau of Statistics

Federal Bureau of Statistics (FBS) is an attached department of Statistics Division It is Pakistans 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

httpwwwstatpakgovpkdeptsindexhtml

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 ldquoCensus amp Registration Organizationrdquo In March 1978 the ldquoCensus amp Registration Organizationrdquo 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 Planning and execution of decennial Population amp Housing Census 2 Processing and dissemination of data in the form of Census Reports 3 Analysis of census data and demographic research 4 Evaluations of census results 5 Intercensal sample studiessurveys in related areas 6 Supply of census data to the data users 7 Tabulation of data to meet specific demand of data users

The Census (Population amp 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 ProvinceFATA 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



The quota for recruitment to Federal posts is worked out on the basis of Population ratios as given by the census Establishment Divisionrsquos OMNo 8972 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 ndash in which persons are counted at their usual place of residence (b) De-fectondash 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 Indicators 1998-Census - Housing Units by Number of Rooms and Type - Housing Units by Construction Material - Housing Units by Source of Drinking Water Lighting and Cooking Fuel

Used - Housing Units by Kitchen Bathroom and Latrine Facilities

httpwwwstatpakgovpkdeptspcostatisticsstatisticshtmlhousing

Pakistanrsquos Housing Policy

A few salient features of the housing policy is as under

Policy Measures - Low Income Low Cost amp Rural Housing

All new construction of houses on plots measuring upto 150 sqyds amp 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



Subsidized micro loaning facilities shall be extended for rural housing construction and improvements through micro-financing systems and institutions like Khushhali Bank Zakat funds etc

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


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 clientscustomers in all major cities of Pakistan and abroad Victoria is working on a lsquoVision for Tomorrowrsquo 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 ldquoA House is a home when it shelters the body and comforts the soulrdquo

httpwwwvictoriahousingpkAbout_Victoria_Housinghtm

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




PIPS

CONTENTS

PURPOSE OF THE RESOURCE GUIDE


C O N T E N T S

1 Purpose of the Resource Guide 3 2 Overview of the Ministry of Housing and Works 4 3 Housing and Works Division 6 4 Departments 7 5 House Building Finance Corporation Ltd 11 6 Institutional Resources Housing and Works based Projects in

Pakistan 15

7 Informational Resources 25
































































httpwwwphagovpk

































12








1 Step-up-plan



















httpwwwmycdporg












Khidmat Foundation



Insaniyat







httpwwwherasdnpkorg






httpwwwadpbsdnpkorg





httpwwwthalsdnpkorg

Sindh Society





httpwwwfrcsdnpkorg





httpwwweps-swatorg






httpwwwthardeeporg



wwwhrmdcsdnpkorg



Thread Net Hunza





httpwwwphagovpk























wwwurckarachiorg










DFID - Publications










httpwwwspopkorg















































































Victoria Housing







PIPS

CONTENTS
































































httpwwwphagovpk

































12








1 Step-up-plan



















httpwwwmycdporg












Khidmat Foundation



Insaniyat







httpwwwherasdnpkorg






httpwwwadpbsdnpkorg





httpwwwthalsdnpkorg

Sindh Society





httpwwwfrcsdnpkorg





httpwwweps-swatorg






httpwwwthardeeporg



wwwhrmdcsdnpkorg



Thread Net Hunza





httpwwwphagovpk























wwwurckarachiorg










DFID - Publications










httpwwwspopkorg















































































Victoria Housing







PIPS

CONTENTS

































12








1 Step-up-plan



















httpwwwmycdporg












Khidmat Foundation



Insaniyat







httpwwwherasdnpkorg






httpwwwadpbsdnpkorg





httpwwwthalsdnpkorg

Sindh Society





httpwwwfrcsdnpkorg





httpwwweps-swatorg






httpwwwthardeeporg



wwwhrmdcsdnpkorg



Thread Net Hunza





httpwwwphagovpk























wwwurckarachiorg










DFID - Publications










httpwwwspopkorg















































































Victoria Housing







PIPS

CONTENTS









1 Step-up-plan



















httpwwwmycdporg












Khidmat Foundation



Insaniyat







httpwwwherasdnpkorg






httpwwwadpbsdnpkorg





httpwwwthalsdnpkorg

Sindh Society





httpwwwfrcsdnpkorg





httpwwweps-swatorg






httpwwwthardeeporg



wwwhrmdcsdnpkorg



Thread Net Hunza





httpwwwphagovpk























wwwurckarachiorg










DFID - Publications










httpwwwspopkorg















































































Victoria Housing







PIPS

CONTENTS









httpwwwmycdporg












Khidmat Foundation



Insaniyat







httpwwwherasdnpkorg






httpwwwadpbsdnpkorg





httpwwwthalsdnpkorg

Sindh Society





httpwwwfrcsdnpkorg





httpwwweps-swatorg






httpwwwthardeeporg



wwwhrmdcsdnpkorg



Thread Net Hunza





httpwwwphagovpk























wwwurckarachiorg










DFID - Publications










httpwwwspopkorg















































































Victoria Housing







PIPS

CONTENTS






Khidmat Foundation



Insaniyat







httpwwwherasdnpkorg






httpwwwadpbsdnpkorg





httpwwwthalsdnpkorg

Sindh Society





httpwwwfrcsdnpkorg





httpwwweps-swatorg






httpwwwthardeeporg



wwwhrmdcsdnpkorg



Thread Net Hunza





httpwwwphagovpk























wwwurckarachiorg










DFID - Publications










httpwwwspopkorg















































































Victoria Housing







PIPS

CONTENTS





httpwwwherasdnpkorg






httpwwwadpbsdnpkorg





httpwwwthalsdnpkorg

Sindh Society





httpwwwfrcsdnpkorg





httpwwweps-swatorg






httpwwwthardeeporg



wwwhrmdcsdnpkorg



Thread Net Hunza





httpwwwphagovpk























wwwurckarachiorg










DFID - Publications










httpwwwspopkorg















































































Victoria Housing







PIPS

CONTENTS





httpwwwthalsdnpkorg

Sindh Society





httpwwwfrcsdnpkorg





httpwwweps-swatorg






httpwwwthardeeporg



wwwhrmdcsdnpkorg



Thread Net Hunza





httpwwwphagovpk























wwwurckarachiorg










DFID - Publications










httpwwwspopkorg















































































Victoria Housing







PIPS

CONTENTS



httpwwweps-swatorg






httpwwwthardeeporg



wwwhrmdcsdnpkorg



Thread Net Hunza





httpwwwphagovpk























wwwurckarachiorg










DFID - Publications










httpwwwspopkorg















































































Victoria Housing







PIPS

CONTENTS



Thread Net Hunza





httpwwwphagovpk























wwwurckarachiorg










DFID - Publications










httpwwwspopkorg















































































Victoria Housing







PIPS

CONTENTS

















wwwurckarachiorg










DFID - Publications










httpwwwspopkorg















































































Victoria Housing







PIPS

CONTENTS








httpwwwspopkorg















































































Victoria Housing







PIPS

CONTENTS











































































Victoria Housing







PIPS

CONTENTS




PIPS

CONTENTS


Prg - Housing & Works

Documents

Transcript of Prg - Housing & Works