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Waseela-e-Haq

The initiative aims at empowering poorest women, building their permanent means of income and improving their socio-economic status. The loans are not based on any collateral and provided to setup small business of which the beneficiary woman is the sole proprietor. Receiving woman may nominate her next of kin for running the business while the ownership remains with the woman. The loans can only be used for establishing mutually identified businesses. The programme reaches out to the underprivileged families that are generally classified as non-creditable by the conventional banking system. The service is provided at the doorstep of the underprivileged. This scheme is entirely interest free in every respect. Following are the salient feature of this initiative:


  • Under this initiative, interest free returnable easy loans of Rs. 300,000 in two installments are provided to the beneficiary women to setup small businesses.
  • One in every 3,000 beneficiary families receives this financial assistance through a transparent computerized draw through balloting software, which is certified and authenticated by NADRA.
  • The recipients are trained in the entrepreneurship skills to run a successful and profitable business.
  • BISP arranges 10 days Enterprise Development Training for the selected beneficiaries through the Pakistan Poverty Alleviation Fund (PPAF); which is one of the premier institutions in Pakistan dealing with micro-finance with a vast outreach, experience and expertise.
  • BISP arranges 10 days Enterprise Development Training for the selected beneficiaries through the Pakistan Poverty Alleviation Fund (PPAF); which is one of the premier institutions in Pakistan dealing with micro-finance with a vast outreach, experience and expertise.
  • Monitoring and evaluation of the businesses are carried out against already determined OVI’s (Objectively Verifiable Indicators).
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