200

Farz Foundation
An integrated Islamic approach of
poverty Alleviation
The Farz Foundation is a social performance based
poverty alleviation organization with a unique and
innovative Islamic Microfinance model and business
design. It is the organization which has been formed on a
strong ideological foundation with the belief of
“partnership with the poor” as its prior investment
methodology. The asset based integrated approach is the
basic tool of the foundation to get long term sustainability,
because the Farz Foundation has a strong belief that the
sustainability of the client is the sustainability of the
organization.

Lahore
Pakistan
[Registered under the societies Act of 1860]
Fundamentals
Poverty is a global challenge that the whole civilized world is addressing to
alleviate it. The philosophy of globalization and its spirit demands societies
coordinate economy, social change and development as one unit and not as
divided in compartments to move ahead. The attitude of compartmentalizing
societal issues into cubicles cannot effectively contend with the philosophy of
globalization. Microfinance started with this very approach, but unfortunately
methodologies, recourses, policies, systems, and procedures to grasp a
widespread made it scattered. The race of achieving high targets detracted from
most of the institutions working for microfinance, thus leaving behind the initial
focus which is the conviction of poverty alleviation by enhancing the productivity
of poor people and building their skills to earn money with honor and dignity.
Microfinance also has a social performance motivation. Farz Foundation has a
strong notion that the ultimate financial sustainability cannot be availed without
social sustainability.

However, the dream of changing the lives of poor cannot become a reality
without fulfilling the aim of social performance. No doubt, microfinance is a tool
which can change not only the individual lives of the poor, but also can bring a
social revolution in poor countries towards greater productivity. Social
performance based microfinance is not a commercial based industry. It has a
belief on socio productive profitability, which occurs as a result of prominent
social change at a larger scale.

In this perspective Farz (duty) Foundation was established to accomplish the real
goals and objectives of the microfinance sector, which are currently neglected to
an enormous extent. It is a social performance based non-governmental
organization with highly committed, self-motivated, innovative and enthusiastic
grassroots experts as its founding members. They are also very experienced
microfinance practitioners. Farz Foundation is registered under Societies Act 1860
by its legal status. Farz Foundation is an organization in Pakistan aiming towards
achieving millennium development goals with a holistic approach. It is
simultaneously addressing health, education, and the financial vulnerability of
poor populations to ease their burdens while systemically alleviating poverty.

Although Farz Foundation is at its early stage, its vision, mission, and objectives
are very clear and are inevitability necessary for poverty alleviation, particularly
in low-income countries like Pakistan. Farz Foundation employs a multi-bottom
line philosophy with an exceptionally creative approach, with each serving as the
four dynamic cornerstones of the institution.
Dynamics of Farz Foundation
Farz Foundation supports a social performance movement for socioeconomic
prosperity and building a new sphere of integration. From inception it has focused
on translating the social mission of microfinance into practice.

Micro Social
Finance Performance

Social
Integration
change

Target Market
Goal of Farz Foundation is a peaceful social and economic revolution to generate
the opportunities of business partnership among poor and microfinance
facilitators through the four components of micro-productivity, social
performance, integration and social change. Its target markets are Home Based
Workers, particularly women that are low income entrepreneurs, People living
with HIV, Sex Workers, Heejras (Transgender Persons), Destitute and Vulnerable
Beggars.

Farz Foundation has a faith that without empowering these population groups, the
microfinance industry cannot achieve its long terms goals. Farz Foundation has
determined the huge untapped market of home based low income workers to be
a very fertile client base for microfinance in Pakistan, which could also benefit
from enhanced productivity through the power of microfinance focused on social
performance.
 Vision
To bring social change through poverty alleviation by improving productivity and
capacity of clients and staff

Mission
Empowering the poor through innovative products and diverse business
opportunities, by integrating social performance focused microfinance with
collaborative community health and education partnerships.

Objectives
• To become a model organization in social performance focused
microfinance.
• To enhance the productivity of home based entrepreneurs, disabled
persons, HIV people, sex workers and transgender persons.
• Provide grants and interest free loans to the poorest while building their
capacity for sustainable livelihoods. We will prepare them for a business
loan product within one year of program entry.
• To graduate the home based entrepreneurs into micro-enterprise
cooperatives.
• To provide basic education, particularly business education to the poor.
• To provide basic preventative health education and first aid facilities to the
poor.
• To offer environment awareness and education at grassroots level and
motivate environmental clean-up and conservation efforts.
• To provide a stimulating and professional work environment to the staff
and build their capacity on continuous basis.
• To support the entrepreneurial modernization and technology development
of Pakistan.

Legal Status
Farz Foundation is a non-governmental organization registered under the Act of
1860 and is authorized to work on a ‘no profit no loss’ basis. At present Farz
Foundation’s operations are exclusively concentrated in urban, semi-urban and
rural areas of Pakistan through partnership with CBOs. The head office of Farz
Foundation is located at Lahore Pakistan.

Organizational Design
The partnership will look like the following diagram with communication
openly flowing between all partners involved. In this way, each
organization can maximize their strengths by focusing on what they know
and do best, delivering education services, delivering health services, and
delivering financial services. When the full partnership is established, all
directors and senior staff managers of each organization will meet to
discuss the work operations of each organization for working with the
targeted group. In this way, no efforts and program activities are
duplicated, with each organization in agreement on their role for service
delivery.
 Farz
Foundatio
n Financial

Target
Population
Home-based
Workers

CBO Partner CBO Partner

Health Care Education

Proposed Organizational Structure

of
Farz Foundation within next Five
years
 Advisory Executive
Board Committee

Chief Executive
Officer

Chief Marketing COO Chief-HR Internal Auditor

CFO
officer

GM-Finance & Audit

GM GM-
GM-HR officer
Marketing Account Operations
Audit
Accounts Finance Regional Social officer
Manager Manager Manager
Audit
officer
Account Officer Finance Officer Social Manager

HR-Manager
Manager Fund Manager Social
Raising R&D Officer
Training
Admin
Advertising Coordinator
R & D Officer
Officer
BOARD OF GOVERNORS

OBSERVERS
DETAILS

MR. DAUD SAQLAIN

ADDRESS: 48-College Block Allama Iqbal Town Lahore

Pakistan
Phone: 0092-300-4119156
Email: daudsaqlain@yahoo.com
EDUCATION:

• Master in Sociology, University of the Punjab Lahore.

• A Course on Human Resource Management from Newport University Lahore

KEY QUALIFICATION:

• Passed a course on “Strategic Communication and Advocacy” from Center for

Communication Programs, School of Hygiene and Public Health, JOHNS HOPKINS
UNIVERSITY, U.S.A. in 1999.

• I have also been completed number of courses and assignments on Gender and
Development. I am declared a Master Trainer and counselor for gender sensitization &
development, Sexual & reproductive health including HIV & AIDS by JHU, IPPF,
FPAP and The Consultant International.

• I have been involved as Gender Consultant with CIDA Devotion Support

Programme where I have been successfully developed Gender Reform Operational
Plan (GROP) through participatory process which is being streamlined with GRAP in
district Kasur and Lodhran I have been passed through the consultative cum
orientation sessions with women counselors, NGOs & CCBs representatives, Nazims
& Naib Nazims and District Government. I have also successfully materialized the
implementation of GROP with the help of DCOs & EDOs at district level.

• I have developed Gender Audit Toolkit, gender part in Annual plan 2008, analysis of
several reports etc in gender perspective for CIDA – Pakistan Basic Education
Programme (CPBEP). I have developed need based gender manual and materials for
SoS, SRC etc.

• I am also teaching as visiting faculty member to the master level students in Gender
study Department University of Punjab.

• I have also conducted Gender Audit/analysis of the various community development

projects submitted by NGOs/Citizens Community Boards (CCBs).
 • I have been teaching strategic communication, skills etc in FAST as visiting faculty

• I have done the Gender analysis of AMEN Society in collaboration with Church World
Services (CWS) - P/A.

• I am the member of Provincial Gender Equity Technical Group (Jaag) and closely
working with Gender Reform Action Plan (GRAP).

• In my current Manager Programmes position taking care of the overall capacity

building/trainings initiatives. I have been developed various need based training
modules on Gender sensitization, Development & Governance, community
mobilization (PRA, REFLECT). I am also responsible to look after National Health/
HIV and AIDS program being carried out by Actionaid International, Pakistan. My
responsibilities include planning and executing mega campaigns, advocacy activities,
project proposal & progress reports writing, preparing three years & annual plans,
LFA, RBM and other key programs.

• I have also been awarded by Common Wealth, UK for the best implementation of a
reproductive health project for youth under FPAP programs.

FELLOWSHIPS:

Fellowship with Indonesia Planned Parenthood Association, Jakarta in 1995, in which I

studied integrated projects on gender sensitive Sexual and Reproductive Health including
HIV/AIDS for adolescents and other high-risk communities vis-a’ vis its implications in a
Pakistani society.

Fellowship with Family Planning Association of Philippine in 1996, to study & work on the
projects on Sexual and Reproductive Health including HIV/AIDS in Philippine and explore
out the possibilities to adapt it according to Pakistan context.

TRAININGS ATTENDED:

• Completed a course on Project Cycle Management (PCM) & LFA organized by

MDF South Asia in Colombo Sri Lanka in 2008.
• Rights Based Approaches (RBA) in kisumu, Kenya in 2007.
• Participated in the process of gender responsive budget initiatives of government of
Punjab.
• Attended a REFLECT Documentation and Transformation of Learning Workshop in
China in November 2004.
• Two weeks course on Behavior Change Communication organized by South Asian
regional office of the IPPF and FPAP in 2003.
• Sexual and Reproductive Health Training workshop in Katmandu, Nepal organized by
IPPF in 2003.
• Completed a chain of courses over the period of six month as Master Trainer on
“Participatory Reflection and Action” (PRA) including Project Organization and
Management.
 • a course on “Result Based Management” (RBM) organized by CIDA with the
collaboration of FPAP in 2002.
• Participated in South Asia Regional Meeting for Adolescents organized by
International Planned Parenthood Federation (IPPF) in Lucknow India, 1999.
• Participated in South Asia Regional “Conference on Adolescents Reproductive Health
& CRC” in Delhi, India August 1998 organized by UNFPA.
• a course on Participatory Learning for Action (PLA) 1998, conducted by Population
Concern UK and FPAP.
• a course on “Focus Group Discussion” (FGD) in 1998 organized by Probe & Focus-
Social Marketing Research Institute, Lahore.
• “Training of Trainers Entrepreneurship Development Program” (EDP) Workshop
organized in 1997 by Entrepreneurship Career Institute (ECI) and won personal
achievement award.
• Participation in “Gender and Development Workshop” at Lahore 1995, jointly
organized by FPAP and OXFAM
• Participated in regional youth workshop on “Youth and Sexuality” 1994, Colombo (Sri
Lanka) organized by International Planned Parenthood Federation (IPPF).
• A course on “Project Design and Project Management”, sponsored by UNICEF in
1994.

TRAININGS CONDUCTED:

• More than one hundred trainings have been conducted on different need based issues
like Gender sensitization, development & analysis, community mobilization, women
empowerment etc at grass roots for local, national and International level organizations
like Church world Service, pathfinder International, WPF, CDSP, CPBEP, SOS RSP
etc.

RESEARCH CONDUCTED/PUBLICATIONS:

• Gender analysis of various projects initiated by CCBs & NGOs in Pattoki, Khairpur,
Kasur, Peshawar etc.

• RSA (Rapid Situational Analysis) of eunuchs in Kasur and RSA of

Female Sex Workers (FSWs) in red light area Okara city, under the
HIV & AIDS project of Interact world Wide & EU/PNAC.
• Conducted as co-researcher the first ever Nation wide Base line survey on Sexual and
Reproductive Health of Adolescents in 1999-2000. The sample size of the study was
600 respondents and numbers of pages were 250.

• A need assessment survey of NGOs/CBOs was conducted in the province of Punjab

for capacity building in order to ascertain training needs, networking among NGOs and
GOP and awareness about key social development issues.

EMPLOYMENT RECORD:
Present Position: Programme Manager Area office Lahore Actionaid International – Pakistan,
from 2004 to-date.

Responsibilities include: act as a Focal Person for capacity building/trainings initiatives

particularly GAD, women rights, community mobilization and HIV & AIDS, Health,
REFLECT portfolios nationwide; Coordinate all projects and programs of Asia international,
regional offices & Pakistan. I have also developed training manual on Gender for actionaid
Pakistan.

PAST EXPERIENCE:

Director (from Aug 1992 – April 2004) with Family Planning Association of Pakistan (an
affiliated with International Planned Parenthood Federation).

Responsibilities included: fulfilled the position of a Project Manager for one of the major field
offices, covering the population of one million, in family planning association of Pakistan.
(Additional in-cahrge for two years); Also acted as Project Director of Micro credit project run
by Khushhali bank and FPAP.

MEMBERSHIP IN PROFESSIONAL SOCIETIES:

• Member of Provincial Gender Equity Technical Group

• Alumnae of Centre for Communication Programme, Johns Hopkins University, USA.
• Alumnae of Sociology department, University of the Punjab.
• Members of CIRAC (an international network of the practitioners of REFLECT
Approach)
• Pioneer member of Asia Pacific People Alliance for Combating HIV & AIDS
(APPACHA)
• A volunteer member of FPAP (an affiliate of International Planned Parenthood
Federation)
• Volunteer member of WAR against Rape (NGO)
• Honorary member of Youth Council for Anti-Narcotics.
• Member of Lahore Art Forum an NGO working for the promotion of literacy and
cultural activities in the city of Lahore.
• Member of “Theatre Group SANGH”, a group working for establishing a non-
commercial theatre to raise the consciousness of communities regarding their socio-
economic problems.
• Secretary, Social Welfare and Population Affairs of Punjab Cabinet, All Pakistan
Youth Federation.

RAMESH SINGH ARORA

KEY EXPERTISE:
I am a “microfinance/micro credit specialist and a technical advisor on capacity building” with
more than eleven years of extensive experience with various Non-Governmental
Organizations (NGOs) and Micro Finance Institutions (MFIs). My specialization encompasses
implementation and management of sustainable and bankable Microfinance Programs, Human
and Institutional Development, Risk Management, Portfolio Analysis, Trend Analysis,
Financial Analysis, and Monitoring and Evaluation.

During past eleven years, I have worked with the Khushhal Pakistan Fund (KPF), Pakistan
Poverty Alleviation Fund-Pakistan (PPAF) and the Rural Support Programmes-Pakistan
(RSPs). I have been involved in building the human and institutional capacities of various
organizations and microfinance institutes to effectively and efficiently run their operations
particularly in the fields of microfinance, infrastructure, trainings & capacity building
initiatives. While working with donor agencies for last six years I was (have been) responsible
for caring out and facilitating strategic reviews and analysis of partner organizations and in the
response to the outcomes of exercise providing technical backstopping to partner
organizations to build their capacitates, to make them able to plan, manage and run credit
portfolios with reference to financial and operational self-sufficiency. Whereas, at the RSPs, I
was responsible for coordinating and implementing microfinance programs in various districts
of Pakistan and also for the help in designing and implementation of microfinance
databases/MIS in different capacities.
Crux of my whole experience at development sector was to bring ‘prosperity through
behavior change’ at grass roots level through various activities particularly income generating
activities, microfinance, enterprise development programs with special focus of poor and
neglected section of the society (women & children). Other one to ‘Break down the
Dependency Syndrome’ of poor and destitute through Participatory Rural Development to
achieve improved socio-economic conditions of poor masses of Pakistan,

PROFESSIONAL EXPERIENCE
November, 2008 – to date
MOJAZ Foundation, Narowal, Pakistan
Chief Executive
MOJAZ Foundation is established in March, 2008 as a specialized Micro Finance Institution
(MFI). The primary purpose and the basic crosscutting theme of the organization is
Sustainable Economic Development through the provision of financial and non-financial
services to the poor households in the targeted markets. In line with this goal, organization is
working at grass roots level in rural and semi urban areas of Narowal & Sialkot districts
during the initial years of its establishment. MOJAZ believes in development of a
microfinance model that is decentralized, cost-effective, and with a strong focus on financial
self-sufficiency through market based pricing. MOJAZ Foundation is established by the
Pakistan Poverty Alleviation Fund (PPAF) as 1st Linkage Partner Organization under the
Microfinance Innovation & Outreach Programme (MIOP) component of International Fund
for Agriculture Development (IFAD).

• Be directly responsible for the results of the new institution and the legal representative
of the institution;
• Report regularly to the Board of Directors;
• Provide clear leadership and direction to the organization, by implementing the
business and action plans and achieving them based on strategic planning approved by
the board;
• Ensure that all aspects of the company's activities obtain maximum profits
commensurate with the best interest of donors, customers, employees, and the other
stakeholders;
• Recruit, retain and develop the talent needed to accomplish high performance
standards;
• Solicit donations from private and corporate sources;
• Cultivate major donors by creating stronger relationships, acknowledging donors
support, and providing opportunities for participation;
• Coordinate fundraising efforts to cover operating expenses and further capitalize the
revolving loan fund;
• Create and enhance relationships with financial institutions to increase their financial
support of Project Enterprise and provide banking opportunities for clients;
• Develop and steward the Board of Directors and its committees, including recruiting
new board members;
• Oversee materials preparation for quarterly meetings of the Board of Directors and the
executive committee;
• Maintain productive relationships with directors and officers.

Khushhal Pakistan Fund, Pakistan (KPF), Islamabad, Pakistan

General Manager - Human and Institutional Development
Khushhal Pakistan Fund is an independent, autonomous private sector organization with a
mandate from Government of Pakistan (GoP)-Ministry of Finance (MoF) to benefit the poor
through civil society sector by partnering with small and medium institutions, developing their
capacities & systems, creating a blend of professionalism and volunteerism to the advantage
of the poor and then stimulating their growth to mainstream them with the development. KPF
represents the community driven development model and aims to focus on increase in income
of poor households and to uplift socio economic standards of people.
While heading the Human & Institutional Development Unit at Khushhal Pakistan Fund
(KPF), I am managing successfully livelihood improvement portfolio of the KPF which covers
social mobilization & development side of the work that includes: community mobilization,
economic opportunity, trainings and institutional development both of the KPF Partner
Organizations (POs) and local institutions. The partner organizations include organizations
working in Microfinance, Community Physical Infrastructure. POs working on CPI projects
undertake water supply and sanitation, roads, bridges, culverts and water storage schemes. The
issues addressed were: empowerment through inclusion, cohesion and accountability as well
as social protection for vulnerable segments of the society (women, children, disabled and
voiceless). As per the mandate of KPF to reward the villages through infrastructure schemes
and community investment fund to meet their needs of microfinance once village declared as
“Open Defecation Free” (ODF). HID unit plays a vital role to achieve end objective of the
KPF ‘to uplift socio-economic conditions of people’ by motivating them to utilize their
resources, strengths, capabilities through capacity building, social mobilization and
institutional development tools. Operational brief of the unit is to ensure ‘Behavior change’
and to Break down the Dependency Syndrome’ of poor and destitute through Participatory
Rural Development to achieve improved socio-economic conditions of poor masses of
Pakistan.

July, 2007 – to March, 2008

Pakistan Poverty Alleviation Fund, Pakistan (PPAF), Islamabad,
Pakistan
Manager - Human and Institutional Development
Pakistan Poverty Alleviation Fund is an apex organization created and funded by the World
Bank, Govt. of Pakistan that helps NGOs, MFIs, RSPs, and the private sector in implementing
development programs that aim are reducing poverty and increasing economic opportunities
for the poor through the provision of microfinance, infrastructure, and human and institutional
development.
Responsibilities:

 Facilitate “Credit & Enterprise Development Unit” to identify the potential

Partner Organizations (POs) through well structured appraisal system for on lending
microcredit loans at community level
 Identify Gaps in microfinance operations of POs and accordingly chalk out a
strategy to address the issues
 Frequent monitoring visits of POs to provide technical backstopping to build the
capacity for better execution of PPAF supported interventions
 Being a master trainer in microfinance, arrange and facilitate training sessions on
microfinance operations as per CGAP standards.
 As Institutional Development/ microfinance specialist provide guidance to MFIs
to strategic issues to achieve high growth;
 Conduct strategic plan to identify strengths , weaknesses, opportunities and threats
of MFIs and accordingly provide strategic directions to remain valid in their context;
 Develop Operational manual (microfinance, HR, Admin, Trainings) to facilitate
POs to institutionalize their processes
 Frequent field visit across the country (four provinces, including AJK) to the POs
to provide timely support
 Manage Quality Management Systems (ISO) certification of HID Unit and
 Facilitate POs to develop “Standard Operating Procedure” (SOPs) in the context
of microfinance program.
May 2003 – June, 2007
Pakistan Poverty Alleviation Fund, Pakistan (PPAF), Islamabad,
Pakistan
Senior Management Executive- Human and Institutional
Development
Responsibilities:

 Capacity assessment of potential Partner Organizations-POs (organizational and

financial appraisal);
 Analysis of the relationship between capacity building funding and microfinance;
  Analysis of financial & operational self-sufficiency of Pos microfinance
programs;
 Conduct microfinance trainings for professional staff of Partner NGOS and MFIs;
 Performance evaluation of Pos & Future forecasting for capacity building funding;
 Development of Financial Proposals;
 Portfolio Management of PPAF Partner Organizations across Pakistan
 Preparation of Monthly, Quarterly, & Annual Reports; and
 Preparation of various analyses and reports for senior management;
Management Representative – Quality Management Systems
based on ISO 9001:2000

Responsible for maintaining ISO 9001:2000 based QMS, which includes carrying out
internal audits, conducting management review meetings, maintaining customer
complaints log, overseeing corrective and preventive actions, liaison with certification
bodies, consultants, and trainers etc.

August 1998 – May 2003

Punjab Rural Support Programme, Pakistan (PRSP), Head-Office,
Lahore, Pakistan
Programme Officer-Rural Credit & Enterprise Development

Punjab Rural Support Programme (PRSP) is a Non-Governmental Organization operational in

the 20 districts of Punjab Province. The ultimate objective of PRSP is to alleviate poverty in
the rural areas of Pakistan through participatory approach and by offering a holistic package to
the rural poor.

Responsibilities:

 Financial & Portfolio Analysis of Micro-Finance activities of PRSP;

 Developing Performance Based Budgets;
 Trend Analysis of Future Credit & Recovery patterns;
 Overall monitoring of Credit activities;
 Development of Financial Proposals;
 Maintenance & establishment of computerized MIS;
 Preparation of Monthly, Quarterly, & Annual Credit Reports;
 Preparation of various analyses reports for senior management;
 Training of Regional Professional in Micro-finance and its related
activities/analysis;
 Review of credit policies and procedures;
 Liaison with external auditors to conduct annual audit;
 Review and approval of credit applications; and
 Liaison with different Commercial Banks in order to facilitate the office in its
financial matters.

Nov-1997– July-1998
National Rural Support Programme, Pakistan (NRSP), Vehari and
Lodhran Region, Pakistan
Regional Accountant-Finance & Credit (RA-F&C)

National Rural Support Programme is an apex organization registered under the NGO Act of
1984. It is considered to be the largest NGO of Pakistan and is operational in all the four
provinces as well as Azad Jammu & Kashmir and 27 districts of Pakistan. The main objective
of NRSP is to alleviate poverty in the rural areas of Pakistan.

Responsibilities:

 Monitoring of all the credit activities at regional level;

 Maintenance of computerized MIS;
 Preparation of Monthly, Quarterly, & Annual Credit Reports;
 Preparation of various analyses reports as required by the Management or Head
Office;
 Liaison with external auditors to conduct the regional annual audit; and
 Reviewing and approval of regional credit applications.

EDUCATION

Master in Business Administration

Specialization: Finance.

Bachelor of Commerce (B.Com)

EXTRA QUALIFICATIONS AND TRAININGS

Extra Qualification
 Three weeks BOULDER Microfinance Training Program, International Training
Center, International Labor Organization (ILO), Turin, Italy. (July 2006).

Trainings Conducted

 Training programs on Financial Analysis/Management for PPAF partner

organizations and different other MFIs
 Training programs on Delinquency Management & Interest Rate Settings for PPAF
partner organizations and different other MFIs
 Training programs on Operational Risk Management for PPAF partner organizations
and different other MFIs
 Training programs on Product Development for PPAF partner organizations and
different other MFIs
 Training programs on Borrower Appraisal Techniques for PPAF partner
organizations and different other MFIs
  Several Orientation Training Workshops conducted for junior professional program
of PPAF/interns
 Training programs on Financial Planning and Budgeting for PPAF partner
organizations and different other MFIs
 Training programs on Accounting Essentials for PPAF partner organizations and
different other MFIs

Trainings Attended

 Eight-day training on Financial Education for the Poor (TOT) conducted by

Microfinance Opportunities, Islamabad Pakistan. (April 2007)
 Eight-day training on Product Development (TOT) conducted by Consultative Group
to Assist the Poor (C-GAP-World Bank), Islamabad Pakistan. (May 2005)
 Five-day training on Operational Risk Management (TOT) conducted by
Consultative Group to Assist the Poor (C-GAP-World Bank), Islamabad Pakistan.
(July 2004)
 Five-day training on Financial Analysis (TOT) conducted by Consultative Group to
Assist the Poor (C-GAP-World Bank), Islamabad Pakistan. (May 2004)
 Five-day training on Training of Trainers (TOT) on Delinquency Management &
Interest Rate Settings conducted by Consultative Group to Assist the Poor (C-GAP-
World Bank), Islamabad Pakistan. (December 2003)
 Twelve-day training on Institutional Development & Organizational Strengthening
conducted by Management Development Foundation-Netherlands, Islamabad Pakistan.
(September 2003).
 Three -day training on Micro credit Methodologies organized by Pakistan Micro
Finance Network, Islamabad, Pakistan. (February 2003)
 Three-day training on Loan Portfolio Management organized by Micro Finance
Group, Islamabad, Pakistan. (August 2000)
 Four-day training on various tools used in Planning Monitoring & Evaluation
organized by PRSP; Islamabad, Pakistan. (June 2000)
 Two-day training on the Cost-Benefit Analysis organized by the Enterprise &
Development Consultants, Islamabad, Pakistan.
 Nine-day training on Management of Micro-Finance Programme organized by
Institute of Rural Management-NRSP, Islamabad, Pakistan.
 Business Planning & Financial Modeling.
 Market Research & new product development for MFIs.
 Various trainings on Handling & Management of the computerized MIS.

MAJOR ASSIGNMENTS CARRIED OUT

 Organized three Citi-PPAF Micro Entrepreneurship Awards from PPAF platform with
the collaboration of Citigroup Foundation.
 Developed Manual for Internship Training Program
 Developed Training Manual of Borrower Appraisal Techniques.
 Undertook analysis of PRSP Micro-Credit Program pertaining to the future returns and
expenses
 Reviewed sustainability projections of PPAF partner organizations
 Reviewed financial & operational self-sufficiency for PPAF partner organizations
working in microfinance sector
  Developed Performance Based Budgets for PRSP
 Developed and managed computerized Micro Credit MIS which is being implemented
in 55 field offices of PRSP
 Carried out exercise to calculate the per Rupee cost on PRSP’s loan disbursements
 Carried out cash-flow analysis of PRSP’s microfinance program

PERSONAL INFORMATION:

Date of Birth: October 11th, 1974

Nationality: Pakistani

Place of Birth: Nankana Sahib (Punjab, Pakistan)

Marital Status: Married

Language: English, Hindi, Urdu, Punjabi, Pushto & Gurmukhi (Scripture)

Address: MOJAZ Foundation-Opposite DCO House, Narowal, Pakistan.

Contact: (92-542) 412313, & 413313; Cellular: (92-333) 5090593

Email: aroranns@hotmail.com

REFRENCES:

MR. KAMRAN AKBAR

Chief Operating Officer

Pakistan Poverty Alleviation Fund

House No. 1, Street No. 20, Sector F-7/2

Islamabad, Pakistan.,

TEL: (+92-51) 111-000-102

E-MAIL: KAMRAN@PPAF.ORG.PK

MR. AAZAR WALI BHANDARA

Economic Growth Advisor

United States Agency for International Development (USAID)

US Embassy, Diplomatic Enclave, Ramna 5

Islamabad, Pakistan.

Tel: (+92-51) 208-2797

Cell: (+92-300) 850-8791

E-MAIL: ABHANDARA@USAID.GOV
 DR HUMA QURESHI
Medical doctor, Pakistani national, born 1963

Doctor of Medicine (M.D) - Emilo Aguinaldo College of Medicine

University of De LaSalle, Philippines
Masters in Social Sciences in Health Management –
The University of Birmingham, England
The British Council, Britannia Chevening Merit Scholarship Award
Winner(1995-96)
Fellow of The Bill and Melinda Gates Institute of Population & RH
Johns Hopkins University, USA
Certified in Dissemination of Service Delivery Guidelines & Infection Prevention
Certified in Supportive Supervision in Quality of Care in Service Delivery
Certified in Quality of Care in Service Delivery through Self -Assessment Process
Certified in Strategic Leadership for Population and Reproductive Health
Certified in Population & Development: A Sexual and Reproductive Health Perspective
Certified in Managing Successful Training Programs
Certified in Delivering Effective Health Education Messages
Certified in Managing Participatory Development Training with special focus on
participation (including awareness of the role of gender and other forms of social difference in
affecting access to participation) at the community, project, institutional and policy-making
levels. The implications of participation for institutional development at community and
project levels and in the management of development

PERSONAL PROFILE:

Dr Huma Qureshi has a strong academic background; with close to twenty-year experience
in the field of clinical, preventive and reproductive health with multi-sectoral integrated
development through cross-sectional partnerships of community. She has specialised skills in
integrating health interventions with community development, project planning monitoring
and evaluation, communication and development, gender and development, interpersonal and
participatory development communication, video/audio training techniques, and use and
promotion of Information Technology (Internet) for sustainable human development. Her
command over multi-media presentation skills complements as well as enriches the subject
during the trainings.
Capable of achieving personal objectives, ambitious, goal oriented with a clear and concise
vision of future objectives. Excellent management, instructive and communication skills.
Able to learn & teach others and work effectively with diverse cultural groups. Experience of
working within a team based culture involved compromise, commitment, planning,
organisation and time management. Extraordinary abilities for management, administration
and communication skills to over come the gap between different levels of service providers
and lobbing and dialogue for reforms in policies of professional service delivery system.
Proven ability to perform under non-routine working conditions and without supervision.
Fluent in English, Urdu and Punjabi (speaking). Proficient in word processing packages,
powerpoint, e-mail and internet. Excellent presentation preparation and delivery skills.

PROFESSIONAL HIGHLIGHTS

Health Management Consultant, Health Promotion & Education Specialist /Trainer,

Programme Implementation, Monitoring & Evaluation Expert

Managed and supervised several hospital and community based static & mobile programmes
leading to increase in demand generation through strategic planning and effective
implementation. Planned, designed and conducted dozens of training workshops and health
meetings, developed curriculum, training modules, IEC/BCC material for a variety of private
sector organizations in Pakistan and UK. Dr Huma Qureshi has extensive in-country and
international experience in Health Education & Promotion in addition of her effective
management skills. She has worked in the fields of Reproductive Health, HIV/Sexual Health,
Health Education Need Assessment and Analysis. Her strengths also include planning and
conducting Tailor-made specific courses, impact evaluation of multi-disciplinary training
programmes, providing Post-training Support, qualitative monitoring & evaluation of hospitals
as well as community based health projects.
During her clinical period, in addition to routine clinic duties in view of her quality of work,
she was designated management of medical research projects, that included planning, co-
ordination, implementation, monitoring and supervision regarding maintenance of the patient
record, short and long term follow-up.
Has the experience of working with one of the oldest and largest service delivery national
NGO in senior managerial capacity. Responsible for client – sensitive community based
reproductive health clinics & hospital network; quality assurance management ensuring
quality of care in service delivery; project handling and implementation; management and
training of service providers in reproductive health issues & concept; development of
IEC/BCC and training manuals; planning & organizing workshops, programme evaluation
and project development. Principle Implementation officer of various innovative first ever
health related sensitive projects in Pakistan. As the organization has an extensive static,
mobile and collaborative service delivery network, one of the main responsibilities is to
ensure smooth, sustainable and cost effective quality services. Thus, development of
standard manuals for various service delivery components, human resource management and
capacity building are among the main functions. Responsibilities also included identification
of the training needs of the staff, locating appropriate training programs, nominating suitable
staff members for these training and finally arranging their placement. Furthermore, to
establish a proactive and well-planned Training Program, she has rich experience in
development of Need Assessments Formats, Training Modules and has undertaken Impact
Measurement Techniques for evaluating the effectiveness of training programs.
Also worked as Project Manager - Team Leader for The Global Fund to fight AIDS, TB &
Malaria Round 2 & 3 managing five grants {USD 36 Million}, am responsible for project
implementation oversight for all the public and private sector partners, health system
strengthening and introduction of new service delivery systems for the grant. PMU works
with five national programs who are the Sub-recipients (implementing partners) as well as a
number of civil society organisation under public private partnership and performance based
funding principles. Current responsibilities include to develop and manage the overall
monitoring and evaluation agenda for the implementation phase of the GFATM and to
provide the GoP, GFATM, CCM and other stakeholders with accurate and appropriate
information to track progress on key components of the Global Fund to fight HIV/AIDS,
Tuberculosis and Malaria project and allow course correction to improve performance and
system strengthening. Extensive experience in public-private, private-private and public-
public partnership initiatives. Indepth understanding of the public sector provincial programs
and working with the provincial chapters of public sector programs for optimum
achievement.
She has extensive in-country and international exposure by representing the organisation at
various forums.
Immediate past position (till June 2009) as Team Leader of Research and Advocacy Fund, a
DFID Funded {19Million Pound Sterling}, British Council managed project to support
organisations undertaking Research and Advocacy activities in Pakistan to complement the
Government's efforts in improving policies and services thus addressing Millennium
Development Goals (MDGs) in Maternal and Newborn Health and relevant areas.
PERMANENT ADDRESS 249 A/3, Gulberg III, Lahore, Pakistan. Mob: 0092-300-
8405614

E-mail: drhumaqureshi@gmail.com

NADEEM FAZIL AYAZ (nadfa@yahoo.com)

resume′
OBJECTIVE-BASED EDUCATION AND TRAINING

LLB (first degree in law): Before starting my first regular job with Human Rights
Commission of Pakistan in late 1989, I had joined the evening classes of law to get
myself familiarized with the structure in which we live. While it enormously helped my
work too, it has been an added advantage to practically facilitate those who need legal
help and guidance.

LLM International Human Rights Law (Essex UK), 1999: through support from British
government, as a Chevening Scholar, I got a chance to enhance my knowledge of law
and my understanding of international mechanisms and standards of human rights.
Beside the knowledge-based courses I took some practical ones like Research
Methodologies that have helped me always while studying and presenting situations
pertaining to my field.

• Countless courses and sessions developed and conducted in collaboration and under
guidance from people like Dr. Fouzia Saeed, I. A. Rehman and Dr. Mubashir Hassan,
on human rights, women rights and gender, 1993 – 2004.

• A course on Gender, by Kamla Bhasin, 2005: I opted for this course to get a better feel
of the sensitivities pertaining to gender roles that we are not normally trained to
consider.

• A course on Globalisation, 2006: This course helped me to sharpen my critical

understanding of intellectual property laws and their abuse by the market.

• Diploma in Intellectual Property Laws, 2006: This formal course helped me appraise
the role of capital forces that are controlling our economic life and more so in the
conductive environment which international bindings are providing them.

• Course in Monitoring & Evaluation, 2007: To correlate my practical knowledge and

experience with the theoretical basis of facilitating, monitoring and evaluating projects
I took this course conducted by outstanding Rafiq Jaffer.

Before 1989 I had studied mechanical engineering and worked shortly as a probationary
assistant engineer in a sweaters manufacturing unit in Lahore.

SUMMARY OF EXPERIENCE

• Six years with Human Rights Commission of Pakistan (HRCP) – leading human rights
organisation in Pakistan, 1989 – 1995.
 • Six years as practising lawyer while being active part of civil society organisations –
interrupted only by a prestigious British scholarship leading to my LLM in
International Human Rights Law, 1995 – 2001.

• Six years with Action Aid Pakistan as Manager Area Offices at Lahore & Peshawar,
and served the organisation as their Country Director for a short stint before leaving
them, 2001 – 2007.

• Serving Asian Resource Foundation, as their Regional Coordinator for Asia region
since 2008 involved actively with programmes in Thailand, Pakistan, Myanmar and Sri
Lanka.

VOLUNTEER WORK AND ROLE IN SOCIAL DEVELOPMENT

• Motivating students at college and university towards collective activities and critical
thinking.
• Spearheading literary activity at the University to keep political thought afloat during
reactionary years of Zia’s martial law.
• Writing articles on issues pertaining to human rights, especially women’s rights in
national English dailies.
• Effective leadership as board member of a limited number of NGOs where I joined
believing that I could make a meaningful contribution, not just take it as a titular role.
• Strong relationship with civil society organisations.
• Institutional development of six organisations (including ActionAid Pakistan), starting
from their setting up stage.
• Intensive counselling, supervision and training of five young professionals (three of
them women), both in functional capability and political orientation, who all have
moved today to more relevant positions in career.
• Initiating and conducting short but intensive trainings in human rights and
development for young NGO staff to assess, improve and tap human resource for
WAR Against Rape, ActionAid, Asian Resource Foundation as well as for larger
sector.
• Developing material and conducting trainings for various groups in rights in
development.
• Effective conflict resolution in two development areas of Pakistan, Loralai and Swabi
and another with a partner organisation, involving community, local elders and
activists.

BEYOND THE JOB DESCRIPTIONS: SALIENT ACHIEVEMENTS,

ASSIGNMENTS AND AFFILIATIONS
 • Have developed 22 training modules and related training projects since 1990.
• Developed project proposals for Sudhaar, WAR, ActionAid and Asian Resource
Foundation.
• Developed and managed training workshops for WAR, ActionAid and Asian Resource
Foundation.
• Have handled numerous cases for clients and for WAR successfully through all stages.
• Have developed and handled annual budgets of up to 60 million (Pak Rs.).
• Evaluation of educational centres at Kasur through participatory research methods
• Developed reformatory tools for Municipal Schools at Kasur
• Paper on Human Rights aspects of Devolution in Pakistan for ICHRP, Geneva 2004

MEMBERSHIPS

Human Rights Commission of Pakistan

Pakistan India Peoples’ Forum for Peace and Democracy

also

Alumni Associations of educational institutions attended

British Alumni Association of Pakistan

Communication proficiency

• Have written and acted in plays for amateur theatre, both in English and Urdu
• Been part of debating and public speaking teams of all institutions attended
• Have written continually for English dailies on legal, political and social issues
• Presented radio programmes for Pakistan Broadcasting Corp. from 1985 to 1987
• Exceptional score in English proficiency test (IELTS).
• Excellent hands on knowledge of word processors, excel sheets and presentations

TRAININGS CONDUCTED AND ATTENDED

 • Numerous trainings conducted in the field of legal literacy, human rights, para-legal
work, political process, history of social development in Pakistan, gender issues and
management practices.

• Trainings attended naturally outnumber those conducted, but are no

less significant than the latter. Some of these trainings were
acquired abroad. I have visited most of South Asia, UK, Brazil and
South Africa.

PERSONAL INFORMATION

Born 1964

Res. 63-C, Tech Society,Canal Bank, Lahore

Tel: 35418363, 35 29 39 49 Cell 0302-8400163

Marital status: Married with one daughter and two sons.

References:

1. Dr. Mubashir Hassan

Tel: (042) 3571 1501

2. I. A. Rehman

Tel: (042) 35838341, 35864994

3. Dr. Fouzia Saeed

MR. SHAHID A KHAN

DIRECTOR / COO

Global Pakistan Pvt ltd

EXECUTIVE EDITOR

Techno biz Magazine (Science & technology Magazine)

QUALIFICATION

Graduation Journalism (Punjab University)

Graduation Business Management (Fast track Planning Program) Baylor University, Waco
Texas, USA
Specialization in Sales & Marketing (Electrolux Business School, Shahalam Malaysia)
HSC & SSC (Air Base College Sargodha)
INTERNATIONAL /NATIONAL MEMBERSHIPS (COMPNAY BEHALF)

AEDB (Pakistan)
Pakistan Engineering Council (Pakistan)
Pakistan Engineering Development Board (Pakistan)
ASME (USA)
ASTM (USA)
NEFH (USA)
PAKISTAN REPRESENTATION ON INTERNATIONAL SYMPOSIUM

Fuel Cell Technology / Renewable Energies / technology transfer

USA
UK
KOREA
ENGLAND
GERMANY
HOLAND
THAILAND
DUBAI
ACKNOWLEDGEMENTS / APPRECIATIONS

International quality standards accreditation

Pioneers in introducing Refueling technology to Pakistan
Sales and Marketing accreditation award during training (Malaysia)
Appreciation award from JUNG Group
Pakistan’s vital representation on fuel cell technology (DUBAI)
SOCIAL ACTIVITIES

Executive member FOCUS PAKISTAN

Ex-Senior Vice President Azam Gardens Welfare Society
Political assistance/ support to Councellors, Nazims and Member of Parliaments
Regular donor to Fatmid and Sheikh Zaid Hospital
Moral/ financial support to ICU patients Sheikh Zaid and other Hospitals
Lectures in institutes, conferences and mosques on understanding Quran & Science on
National & International Level, Philosophy of life in reference to Quran, awareness
/importance of reading Quran
Conducting mega event on yearly basis in collaboration with JUNG GROUP ( Mubala
Hifizul Quran)
Free medical check-up facility to deserving patients
SHOWBIZ

Comparing for Pakistani Channel for Asian Mela UK (Bradford, Monchester, )

TV plays, (PTV and other private channels)
Interviewed by different TV channels on Business forums
PUBLICATIONS

Technobiz Magazine (Science & technology) Since January 2005

Quran with Translation / tafseer and other Islamic Books

FARHAT ABBAS SHAH

Mobile: 03214468216
E-Mail address:farhatabbasshah@gmail.com
farhat@farzfoundation.org
OBJECTIVE

Have a passion to contribute my innovative and creative services for alleviation of poverty,
with the ultimate tool of microfinance along with social performance.

SUMMARY

Creative and highly innovative in developing new products according to the market. Self-
motivated, expert in customer relationship management and social performance management,
having ability to set effective priorities, implement decisions to achieve immediate and long-
term goals and can continue function effectively in high-pressure environment. Have a vast
and multi dimensional experience and skills especially in the field of Marketing, advertising
& Business development.

WORKING AS A MANAGER OF BUSINESS DEVELOPMENT DEPARTMENT

ASASAH

QUALIFICATION

1986 M.Sc (psychology) the university of Punjab

2009 Professional Diploma (Marketing & SalesManagement) Pakistan Institute of
Management
2008 certificate (MARKETING MICRO FINANCE WORK I L O + LUMS)
2009 Studying in MBA (Marketing) of common wealth from
AIOU (First semester)

OTHER CERTIFICATES

During my services I got the following trainings

• STRATEGIC VISION From Time Lenders

• MICROSOFT OFFICE & POWER POINT ( PAKISTAN INSTITUTE OF
MANAGEMENT)
 • SOCIAL MARKETING from Action Aid
• BUSINESS DEVELOPMENT AAA Pharma Pakistan
• DELINQUENCY & PORTFOLIO MANAGEMENT( SHORE BANK
INTERNATIONAL )
• FINANCIAL ANALYSIS FOR BRANCH PROFITABILITY
• ( SHORE BANK)

• TIME MANAGEMENT ( TIME LENDER )

• MAKING MICRO FINANCE WORK (LUMS)

• CREDIT OPERATIONS & MANAGEMENT( PPAF)

• MANAGEMENT BY OBJECTIVES (PAKISTAN INSTITUTE OF
MANAGEMENT)
• MANAGING RESEARCH PROJECTS; THE EFFECTIVE WAY (UNIVERITY
OF VETERINARY AND ANIMAL SCIENCES & INSTITUTE OF RESEACH
PROMOTION)
• ENGLISH LANGUAGE SPOKEN (THE BRITISH COUNCIL )
• Business English (Pakistan Institute of management)
• SOCIAL MARKETING & RADIO COMMUNICATION ( BBC London)

PROFESSIONAL EXPERIENCE

• 20 years experience of communication, marketing and advertisement as GM,

Director advertising, Director Marketing, etc. (TV, Radio, News papers and also with
deferent Media companies)
• Five year experience of development sector as A GRASS ROOTS EXPERT (Action
Aid)
• 3 years experience of microfinance (Asasah)
• Recently working on Market( of microfinance) TREND Analysis and need assessment
for demand driven products

EXPOSURE VISITS

• Dubai
• Sharjah
• Qatar
• India
• Australia
• England
• Thailand
 • Singapore
• Sri lanka (C CAP Conference )
• Canada
• Indonesia (Asia Pacific Regional Micro credit Summit )
• Spain (Social Performance Task Force meeting )
• France
• Germany

AS A WRITER

• Published 67 books
• Columnist Daily “Nawaey waqt” and ‘The Nation’ (Daily)
• Articles on microfinance published in the news letter of SAVE THE CHILDREN
NEWS LETTER and other international magazines like “THE MIRROR” Australia
• 10 years experience of creative writing, scripts writing, production of advertising
material and concepts development.

AFFILIATIONS

• Member of Social Performance Task force(CGap) sub committees

• Executive member Pakistan psychologists Association
• vice Chairman Afro Asian Association of psychologists
• Senior member of Academy of Letters Pakistan
• Member of Social Performance Task force(CGap) sub committees

PERSONAL

Date of birth November 15, 1964

I.D Card # 352025-7163008-5

Marital status Married

RAFAY MAHMOOD Gross rote Expert

Personal Information

Address: H # 16 Street # 01 Hamayoon Park Near Lahore General Hospital

Lahore Pakistan.
BOB: 2nd Dec 1978
Marital status: Married
CNIC: 35201-6925466-3
Passport #: HEO154661
NTN #: 2258662-8
E.mail: ra_fay@hotmail.com
Cell #: 03009442812
Phone: 092+42+5823548
Region: Islam

Nationality: Pakistani

OBJECTIVE

Social Change through Poverty Alleviation and Hard Work for Its Growth &
Prosperity

PROFESSIONAL EXPERIENCE

Eight year experience in ELECTRONIC MEDIA

Period from 1996 to 2004
___________________________________________________________________________
___

Three year experience in Kashf Foundation as a loan officer

Period from Jan-2001 to Aug-2003

___________________________________________________________________________
___

Six year experience in Asasah Microfinance as deferent position

Period from 20 August 2003 to till date

Start as Founder member of Asasah &

• Community Development Officer

• Branch Manager
• Area Manager
• Head of the Product development Department
• Head of Product and Research Department
• Head of the Marketing & Customer Relationship Management Department
• Senior Executive Business Development
• Asst. Manager Business Development
OTHER RESPONSIBILITIES:

• Part of Asasah Senior Management

• Member of Asasah Steering Committee
• Member of Human Resource Committee
• Member of Event Management Committee
• Head of Client Grievance Committee
• Head of staff recreation Committee

RESPONSIBILITIES INCLUDE:

• To Development of Marketing, Business Strategy and Action Plan.

• To design and develop International and National Marketing Material (Quarterly,
Annual, Five year Progress Reports, Product Broachers, Posters, banners, Flex Stand
and Flex Board, TV and Radio Ad, Arrangements of promotional seminars at local,
National and International level.
• Develop first time in Pakistan a Marketing Guideline for Community Development
Officers (Loan/Credit officers)
• Social Performance Management for the organization for the implementation of
“Corporate Social Responsibility”.
• Design & Monitor website of organization.
• Capacity Building of Human Resources and Customers of Asasah.
• Fund raising internationally
• Event Management
• Manage consumer excellence program for developing long term relationship with
clients.
• Customer Relation ship Management

PROFESSIONAL TRAININGS AND COURSES

1. BASIC MICRO FINANCE COURSE: (From Asasah)

. What is Microfinance?
. Poverty and Poverty Assessment Tools
. Group Lending Methodology
2. PRODUCT DEVELOPMENT FOR MFIS (Sind Microfinance Network SMN )
. Product Need Assessment
. Market Research
. Product Design and Refine
. Pilot Test
 . Rollout Strategy and Rollout the Product
3. TRAINING ON MICRO LEASING (From Orix Leasing Company Karachi)
. Basics of Lease Operation

4. TRAINING PROGRAM FOR BEGINNING FINANCIAL ANALYSIS under

W.H.A.M Project. (From ShorBank)

5. LEADERSHIP TRAINING COURSE (From Asasah)

6. ENHANCE OF LEADERSHIP (From Asasah)

7. PERSONAL SELLING AND CUSTOMER SATISFACTION TRAINING (From

Asasah).

8. ASASAH LEADERSHIP STYLE (From Asasah)

9. STRATEGIC TIME MANAGEMENT WORK SHOP (From TIMELENDERS)

10. STRATEGIC VISION WORKSHOP (From TIMELENDERS).

11. DEVELOP MARKETING SKILLS (From PIM)

12. TRAINING ON ADVANCE MS EXCEL AND MS POWERPOINT (From PIM).

13. LEADING WITH EMOTIONAL INTELLIGENCE (From AMA (American

management Association* at PIM Lahore).

14. SPECIAL CERTIFICATE OF FOUNDER MEMBER OF ASASAH.

15. FINANCIAL ANALYSIS FOR BRANCH PROFITABILITY (From ShorBank,

HRDI and Funded by USAID.

16. PORTFOLIO & DEQUINCY MANAGEMENT (From Shorbank)

17. TRAINING ON GENDER AND DEVELOPMENT (From Kashf Foundation).

18. CUSTOMER RELATIONSHIP MANAGEMENT (CRM) (From PIM)

19. ATTEND WORKSHOP AT THE PLATFORM OF STATE BANK OF PAKISTAN

FOR DEVELOPING INNOVATIVE PRODUCT FOR MICROFINANCE

AS A TRAINER

1. WHAT IS MICROFINANCE (To Asasah and Plan International’ Staff)

2. GROUP LENDING METHODOLOGY (To Asasah and Plan International’ Staff)

3. POVERTY AND POVERTY ASSESSMENT TOOLS (To Asasah and Plan

International’ Staff)
 4. PRODUCT DEVELOPMENT FOR MFIs (To Asasah and Plan International’
Staff)

5. METHOD & TECHNIQUES FOR CONDUCTING GEOGRAPHICAL &

DEMOGRAPHICAL SURVEY FOR MFIs (To Asasah and Plan International’
Staff)

6. KNOW YOUR CUSTOMERS ( To All Staff of Asasah)

7. DEVELOP MARKETING SKILLS (To Asasah’ Staff)

8. LOAN APPRAISAL TECHNIQUES (To Asasah and Plan International’ Staff)

9. INITIAL MARKETING AND PROSPECTING ( To All Staff of Asasah)

10. BASIC OF LEASING OPERATIONS (To Asasah’ Staff)

11. SOCIAL ADVOCACY TRAINING (To Clients)

12. GENDER BALANCE (To Clients)

13. CUSTOMER RELATIONSHIP MANAGEMENT (To All Asasah Staff)

ON THE JOB TRAININGS

• PROSPECTING & MOBILIZATION (To Asasah’ Staff)

• COMMUNICATION WITH CUSTOMERS & STAFF (To Asasah’ Staff)

• LOAN APPRAISAL TECHNIQUES (To Asasah’ Staff)

• TRAINING ON GROUP FORMATION PROCESS (To Asasah’ Staff)

• EFFECTIVE COMMUNITY MEETING (PROSPECTING MEETING,

GROUP RECOGNITION, RECOVERY MEETING AND EVERY TYPE OF
COMMUNITY MEETINGS) (To Asasah’ Staff)

• EFFECTIVE WAY OF AREA SURVEY (To Asasah’ Staff)

• RECOVERY FOLLOW UPS (To Asasah’ Staff)

DEVELOPMENT OF TRAINING MODULES

• Marketing Skills Training

• Customer Relation Ship Management
• Basic of Leasing Operations
• Social Advocacy Training
 • Gender Balance
• Group Formation System
• Product Development
• Financial Analysis of Business

NATIONAL & INTERNATIONAL CONFERENCES FOR INTRODUCING TO

MICRO FINANACE:

1. Asia Pacific Region Summit of Microfinance 2008 at Bali Indonesia.

2. 2nd International Conference & Exhibition on Islamic Banking & Finance at Aiwan-
e-Iqbal Lahore Pakistan.
3. “Celebrating International year of Micro Finance 2005” MELA at SMN Platform Sind
haider Abad.
4. As a Organizer and arrangement of “Celebrating International year of Micro Finance
2005“MELA at PMN Platform Burney Garden Alhamra Lahore.
5. Attend and Contribution in Arrangements of Micro MELA “HomeNet”
6. Attend and participate MIRO MELA at Pashawar Pakistan.

LANDMARK

• To Conduct First Time in Pakistan” Social Performance Assessment” of Asasah as

team member out of four Members.
• To Conduct Branch Surveys of 11 District of Punjab
• To Conduct Customer Relation Ship Survey of Asasah.
• Research on Existing unit Formation Process System for Further Refining.
• Research on New Product “Education Loan”
• Research on New Product “Small Business Finance”
• Research on New Product “Islamic Asset Finance”
• Research on New Product “Tijarat Finance”
• Product Need Assessment for the community of purely Rural Areas
• Pilot Project Run on Co-Branding Saving product with Plan Pakistan.
• Pilot Project Run on Co-Branding of Saving Product with Tameer Bank of Pakistan at
Lahore

TOOLS AND TECHNOLOGIES:

• Audio Video Conference for Using Skype & Team Viewer Software
• Microsoft Office Suit (Word, PowerPoint, Excel, Access, Outlook planer)
• Macromedia Fireworks
• Macromedia Flash
• Adobe Photoshop
• Corel Draw X3
• Adobe Premier
• Audio & video Editing
• Marketing through Cell Phone
• Marketing through Internet via YouTube

COMMUNICATION SKILLS
Fluent in spoken and written in

English
Urdu
Punjabi

ADDITIONAL ACTIVITIES

• Digital Paintings
• Oil and water painting
• Games
• Net Surfing
• Interior Designing
• Developing multimedia presentations on power point
• Layouts of printing Materials
• To study Microfinance UPDATES National & International level

QUALIFICATION

PDMSM 2009
Professional Diploma in Marketing & Sales Management
Pakistan Institute of Management Lahore

DBA 2000
Diploma In Business Administration
Minhaj University of Commerce & Management Sciences

FSC 1997
Govt Diyal Singh Collage Lahore

METRIC 1995
Science
Email: info@farzfoundation.org

URL: www.farzfoundation.org