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Financial Literacy for Young Farmers / Tenants Project

Final Project Report


March 25 August 24, 2013
This document contains project completion report of Financial Literacy for Young Farmers / Tenants Project
in District Lodhran which is funded by USAID and being implemented by Organization for Public Interest
Final Project Report of Financial Literacy Project 2



Final Project Report of Financial Literacy Project 3

Acronyms
ATM Auto Teller Machine
B.Com Bachelor of Commerce
CBO Community Based Organization
FIDA Farmers Integrated Development Association
FLC Financial Literacy Center
IEC Information, Education, Communication
IOM International Organization for Migration
MFI Micro-finance Institution
MICS Multiple Indicator Cluster Survey
NGO Non-Governmental Organization
OPI Organization for Public Interest
SMCR Source-Message-Channel-Receiver
SMT Social Mobilization Team
TOT Training of Trainers
UC Union Council
USAID United States Agency for International Development
VDC Village Development Committee
VWS Vasti Waseb Sangat


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Table of Contents

Acronyms ...................................................................................................................................................... 2
1. Executive Summary ................................................................................................................................... 6
2. Overview of the Project ............................................................................................................................ 7
2.1 Background ................................................................................................................................... 7
2.2 Target Group ................................................................................................................................. 7
2.3 Number of Beneficiaries ............................................................................................................... 7
2.4 Overall Project Objectives ............................................................................................................. 8
2.5 Target Geographical Areas ............................................................................................................ 8
2.5 Types of Services provided ........................................................................................................... 8
2.5.1 Activities ................................................................................................................................ 8
Activity 1: .............................................................................................................................................. 8
Activity 2: .............................................................................................................................................. 8
Activity 3: .............................................................................................................................................. 8
Activity 4: .............................................................................................................................................. 8
Activity 5: .............................................................................................................................................. 9
2.5.2 Key Outputs: .......................................................................................................................... 9
2.6 Core Project Team ......................................................................................................................... 9
3. Key Results of the Project ....................................................................................................................... 10
3.1 Orientation Session for Project Team ......................................................................................... 10
3.2 Meetings, rapport building, and interaction with communities in target union councils of the
project to identify suitable project beneficiaries .................................................................................... 11
3.3 Printing and dissemination of information leaflet about the project......................................... 13
3.4 Training Module on Financial Literacy for Young Farmers / Tenants ......................................... 14
3.5 Training of Trainers for Financial Literacy Trainers ..................................................................... 14
3.6 Financial Literacy Centers Inauguration Ceremonies ................................................................ 16
3.7 Social Mobilization ...................................................................................................................... 18
Key Objectives of Social Mobilization ................................................................................................. 18
3.8 Establishment of Vasti Waseb Sangat (Village Development Committees) ............................... 18
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Criteria for Membership of Vasti Waseb Sangat: ............................................................................... 18
Roles and Responsibility of village development committee ............................................................. 19
Members of Vasti Waseb Sangat ........................................................................................................ 19
3.9 Meetings with Vasti Waseb Sangat (Village Development Committees) ................................... 20
3.10 Networking & Linkages ............................................................................................................... 20
3.10.1 Exposure Visit at Meezan Bank Lodhran ............................................................................. 20
3.10.2 Exposure Visit to Rana Model Agricultural Farm by Target Markaz (Ali Akbar Group) ...... 21
3.10.3 Syngenta Pakistan Limited .................................................................................................. 22
3.10.4 Khushhali Microfinance Bank Limited ................................................................................. 23
3.10.5 Farmers Integrated Development Association .................................................................. 23
3.11 Publication of Final Project Report ................................................................................................. 24
4. Pre and Post Tests of Trainees ............................................................................................................ 25
4.1 Pretest Analysis ........................................................................................................................... 25
4.2 Posttest Analysis ......................................................................................................................... 25
4.3 Pretest vs. Posttest ..................................................................................................................... 26
4.1 Opponent of girls education now wants a girls school in his village ........................................ 27
4.2 Amir Iqbal can now calculate profit & loss. ................................................................................ 27
4.3 Frequent losses made him drug-addicted. ................................................................................. 28
4.4 Muhammad Mustaqeem keeps all financial records of his agricultural business. ..................... 29
4.5 Mansab Mai can make budget for her home. ............................................................................ 29
5. Lessons Learnt ......................................................................................................................................... 31
Annexure ..................................................................................................................................................... 32
1. List of Trainees ................................................................................................................................ 33
2. List of FLCs and Financial Literacy Trainers ..................................................................................... 40
3. Study Plan for Financial Literacy Centers ........................................................................................ 41
4. Questionnaire for pretest and posttest of trainees ........................................................................ 44
5. Format for daily logbook of trainees .............................................................................................. 45
6. Format for monitoring of FLCs ........................................................................................................ 46
7. Sample media coverage .................................................................................................................. 48

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1. Executive Summary
Financial management is backbone of any business and financial literacy is very important for every
human being. Without financial literacy, it is almost impossible for anyone to manage his income and
expenses whether at household or business. It is equally important for farmers too.
District Lodhran has an estimated population of at least 1,504,000. According to the Government of
Punjabs Planning & Development Department, 50.40% population of the district is living below poverty
line. While 73% of overall population of the district comprises of farmers, one can easily understand that
majority of poor population in the district is none other than farmers.
In district Lodhran, it has been observed that farmers dont have financial management skills and they
dont have understanding and concepts to keep records of their financial transactions. Due to this gap,
they are not able to manage their financial resources effectively and as a result of this they face huge
losses in their businesses. Keeping in view this problem, OPI proposed a project to impart financial
literacy trainings for young farmers in the district. USAID through IOM granted funds for implementation
of the project.
Financial Literacy for Young Farmers / Tenants Project started on March 25, 2013 for a duration of 5
months which ended on August 24, 2013.
Under the project, OPI established a total of 8 financial literacy centers in four union councils of the
district. These union councils are Sumra, Salsadar, Kundi, and Kamal Pur Jatiyal. At the end of the
project, a total of 278 young farmers including 111 females have been financially literate.
OPI also built linkages of the trainees with different banking, microfinance and agricultural marketing
companies / organizations. In this regard, trainees of each Financial Literacy Centers were facilitated for
exposure visits to five different organizations / companies. During these visits, representatives of the
companies / organizations got interactions with the trainees and informed them about different aspects
of their respective businesses.

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2. Overview of the Project
2.1 Background
Financial management is backbone of any business. It is equally important for a household, small-
business, and enterprise. Unless finances of a business are managed properly, the risk of loss remains
higher. According to Gail Vaz-Oxlade, Money has some rules attached to it. And if you follow the rules,
youre going to have more stability in your life than if you dont follow the rules. The rules apply equally
on low-income families associated with agriculture and livestock.
Lodhran is one of the most backward districts of Punjab where farmers constitute 73% of overall
population. According to a 2010 estimate, the population of the district is ~1,504,000 which include
more than 300,000 young people between 14 to 25 years of age. According to MICS Survey 2007-08,
overall literacy among young population of the district is 58.9%. According to Bureau of Statistics,
Planning and Development Department, Government of Punjab; more than half of the population of this
district is living below poverty line i.e. 50.40%. Lodhran is one of the districts with highest poverty head
count ratio in Punjab.
Despite constituting the largest part of the population in the district, farmers use to face losses in their
businesses frequently. It merits mentioning here that Lodhran produces 20% of Pakistans cotton.
Traditionally, only illiterate or semi-literate people get engaged in agriculture or livestock farming
businesses. In addition to other causes, financial illiteracy is a main cause behind frequent losses to
farmers. Young farmers/tenants especially suffer in this situation because they also lack relevant
experience as well as financial management skills. Financial literacy may change their lives. It may help
reduce their losses and improve their living standards. By means of financial literacy, young farmers can
understand using credit responsibly, identifying financial risks and benefits of savings, and a better
attitude towards financial planning. Financial literacy will also contribute for reducing family clashes and
conflicts due to financial mismanagement. It will also alleviate poverty in the district.
While many government and non-government agencies are working for farmers training; financial
literacy is a missing component in the case of District Lodhran. This project has established a model for
financial literacy for young farmers/tenants.
2.2 Target Group
The project has targeted extremely poor and underprivileged families associated with small-scale
agriculture and livestock businesses. The project directly targeted young persons (18 to 35 years old) of
those families, who work as farmers/tenants. Female-headed households will be given due priority.
2.3 Number of Beneficiaries
Direct Beneficiaries include 278 young farmers/tenants in target rural areas of District Lodhran,
including at least 111 female and 167 male beneficiaries. Original target of the project was 100 female
and 140 male young farmers but OPI managed to achieve beyond the target.
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Indirect Beneficiaries include approximately 1,946 immediate family members of above mentioned
young persons.
2.4 Overall Project Objectives
To help 240 young farmers/tenants in enhancing their earning capacity and reducing losses
through provision of financial literacy training;
To improve marketing and communication skills of 240 young farmers/tenants for enabling
them to finalize their business deals efficiently;
To facilitate linkages of 240 young farmers/tenants with relevant representatives of agribusiness
companies and local banks and microfinance institutions, to provide them with updated
information on available market opportunities and micro-credit support.
2.5 Target Geographical Areas
The project will target following union councils of Tehsil & District Lodhran.
UC Sumra
UC Salsadar
UC Kundi
UC Kamal Pur Jatiyal
2.5 Types of Services provided
2.5.1 Activities
Activity 1:
Meetings, rapport building, and interaction with communities in target union councils of the
project to identify suitable project beneficiaries;
Printing and dissemination of information leaflet about the project.
Activity 2:
Development of module/training material on financial literacy for young farmers/tenants;
Recruitment of 8 Financial Literacy Trainers;
Training of Trainers for Financial Literacy Trainers.
Activity 3:
Establishment of 8 financial literacy skills centers in target union councils and placement of
visibility material;
Provision of financial literacy and business management skills, marketing and communication
skills, during three months to a total of 240 young farmers/tenants;
Activity 4:
Building linkages between 240 young farmers/tenants and agribusiness market and local
financial service providers (commercial bank, MFIs, branchless banking companies, agricultural
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companies, etc.) through a total of 40 meetings (5 meetings per center) aimed at providing
them with comprehensive information on the availability of credits/loans, account opening and
operating, and such other banking services.
Activity 5:
Printing and dissemination of Final Project Report.
2.5.2 Key Outputs:
Community informed on the project and engaged in the selection of 240 vulnerable
beneficiaries;
Training modules on financial literacy for young farmers/tenants finalized;
Financial literacy trainers trained on course modules through TOT;
8 financial literacy centers established;
240 trainees acquire basic skills on finance, banking, use of cheque books, ATM cards, mobile
banking; communication, negotiation and procurement skills, collective negotiation and buying;
as well as recording income and expenditure, budget variance, calculation of profit and loss;
240 trainees attend exposure visits to commercial banks, microfinance institutions; and
pesticides & veterinary medicines market, local grain market, local agriculture/dairy farm.
2.6 Core Project Team
The project team comprised of 5 core staff members.
Mr. Gulfam Mustafa (Project Manager)
Ms. Sadia Jameel (Monitoring & Evaluation Officer)
Rana Ahmad Hasan (Admin & Finance Officer)
Ms. Sumaira Shaukat (Social Organizer)
Mr. Muhammad Dilshad (Social Organizer)

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3. Key Results of the Project
During the five months duration of the project, a number of activities were undertaken by OPI. These
activities are mentioned below.
Meetings, rapport building, and interaction with communities in target union councils of the
project to identify suitable project beneficiaries;
Printing and dissemination of information leaflet about the project;
Development of module/training material on financial literacy for young farmers/tenants;
Recruitment of 8 Financial Literacy Trainers;
Training of Trainers for Financial Literacy Trainers;
Establishment of 8 financial literacy skills centers in target union councils and placement of
visibility material;
Provision of financial literacy and business management skills, marketing and communication
skills, during three months to a total of 240 young farmers/tenants;
Building linkages between 240 young farmers/tenants and agribusiness market and local
financial service providers (commercial bank, MFIs, branchless banking companies, agricultural
companies, etc.) through a total of 40 meetings (5 meetings per center) aimed at providing
them with comprehensive information on the availability of credits/loans, account opening and
operating, and such other banking services.
Additionally, OPI also conducted an orientation session for the project team in order to make it easier
for them to understand the whole concept of the project and its implementation.
Details about proceedings of various activities and sub-activities are given hereunder.
3.1 Orientation Session for Project Team
On April 4, 2013, an orientation session was conducted. Following staff members participated in it.
Mr. Ijaz Rasool Program Manager
Mr. Gulfam Mustafa Project Manager
Ms. Rushba Irum Monitoring & Evaluation Officer
Rana Ahmad Hasan Admin & Finance Officer
Ms. Sumaira Shaukat Social Organizer
Mr. Muhammad Dilshad Social Organizer
During the orientation session, Mr. Ijaz Rasool and Mr. Gulfam Mustafa told rest of the team members
about basic concept of the project. They also shared methodology for implementation of the project.
Mr. Ijaz Rasool told that the project is aimed at providing financial literacy to a total of 240 young
farmers between the ages of 18 to 35 years including at least 100 women. He further told that the
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project will establish a total of 8 financial literacy centers at village level in four union councils of
Lodhran. He told that those union councils comprise of Sumra, Salsadar, Kundi and Kamal Pur Jatiyal.
Mr. Gulfam Mustafa told that the whole project has been divided into five activities. These activities
include community meetings, rapport building, printing and dissemination of IEC material, identification
and recruitment of financial literacy trainers, TOT, financial literacy centers, and final report. He told
that the project will end on August 24, 2013.
At the end of the orientation session, the team members discussed work plan and agreed to work in
accordance with it.
3.2 Meetings, rapport building, and interaction with communities in target
union councils of the project to identify suitable project beneficiaries
During the first month of the project, the project team conducted a total of 15 meetings with target
communities. Six (06) of these meetings were conducted with target female population exclusively.
Following is summary of meetings conducted with target communities.
S# Date Union Council Village
Number of Participants
Male Female Total
1 08-04-2013 Kamal Pur Jatiyal Dhoray Wala 03 00 03
2 08-04-2013 Salsadar Salsadar 07 00 07
3 08-04-2013 Kamal Pur Jatiyal Dhoray Wala 00 04 04
4 08-04-2013 Kamal Pur Jatiyal Kotla Ali Dasti 05 00 05
5 09-04-2013 Sumra Basti Balochan 00 20 20
6 09-04-2013 Sumra Basti Balochan 05 00 05
7 09-04-2013 Kundi Kallu Wala 04 00 04
8 10-04-2013 Kamal Pur Jatiyal Kotla Ali Dasti 18 00 18
9 10-04-2013 Sumra Basti Balochan 19 00 19
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10 10-04-2013 Sumra Basti Balochan 00 24 24
11 11-04-2013 Salsadar Basti Gharwalli 13 00 13
12 11-04-2013 Kamal Pur Jatiyal Kotla Ali Dasti 00 15 15
13 15-04-2013 Sumra Basti Balochan 19 00 19
14 15-04-2013 Sumra Basti Balochan 00 20 20
15 16-04-2013 Kamal Pur Jatiyal Kotla Ali Dasti 30 00 30
16 16-04-2013 Kamal Pur Jatiyal Bachuwali Bhaini 00 21 21
17 17-04-2013 Salsadar Basti Gharwalli 41 00 41
18 19-04-2013 Sumra Basti Karari 02 00 02
19 20-04-2013 Kundi Basti Matman Wala 16 00 16
20 20-04-2013 Kundi Basti Sardar Wali 00 05 05
21 23-04-2013 Kundi Basti Matman Wali 18 00 18
22 23-04-2013 Kundi Basti Sardar Wali 00 32 32
23 24-04-2013 Kamal Pur Jatiyal Kotla Ali Dasti 12 00 12
24 24-04-2013 Salsadar Chak Liakat Abad 28 00 28

During these meetings, the Social Organizers of OPI told the communities about objectives and activities
of the project. They also discussed importance of financial literacy and financial management skills for
farmers. OPI team told the community members that OPI will establish a financial literacy center in the
village where 30 young farmers will be enrolled for financial literacy. The team also met local influential
and told them about the project.
As a result of the meetings, the communities agreed to provide spaces / buildings for establishment of
financial literacy centers. They also agreed to attend the sessions at these financial literacy centers.
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3.3 Printing and dissemination of information leaflet about the project
Printing and dissemination of information leaflet about the project was second sub-activity of activity 1.
The project team developed, designed and published a total of 1,500 copies of this leaflet.
Objective of the leaflet was to circulate basic information about the project to target beneficiaries and
relevant stakeholders. In this leaflet, basic information about the project including background,
objectives, target areas, target groups etc. was given. A brief introduction of OPI was also included in it.
The leaflet was printed on 113 grams art paper in full color in a trifold brochure form. Scanned copies of
both sides of the brochure are given below.

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3.4 Training Module on Financial Literacy for Young Farmers / Tenants
OPI developed a training module on financial literacy for young farmers / tenants. The module covered
following topics.
Introduction to Finance & Financial Management
Accounting & Record Keeping
Regular Banking (Bank Accounts, ATM Card, Cheque, Internet & Mobile Banking, Loans)
Branchless Banking
Procurement
Business Communication
Draft of the manual was shared with the donors for review. After their approval, the module was used
for the purpose of training on financial literacy.
3.5 Training of Trainers for Financial Literacy Trainers
Five days training of trainers for financial literacy trainers started on 6th May 2013 at LaTaska Hotel,
Lodhran. During five days, the participants covered different topics and acquired knowledge and
expertise about their tasks.
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On first day of the training, the participants got introduced with each other, expected fears and
expectations, and set norms. Gulfam Mustafa introduced OPI and told details about financial literacy
project. He told that OPI has been working since 2008 for sustainable development in Southern Punjab.
Gulfam further told that OPI has managed several small-scale activities and advocacy campaigns
including restoration of Allama Iqbal Municipal Library in Lodhran. He said that OPI is currently
implementing two projects that include financial literacy project, and free, fair and peaceful election
project.

Gulfam told that financial literacy project is being implemented in four union councils of Lodhran and at
the end of the project, at least 240 young formers, including 100 females, are expected to learn financial
literacy skills.
Khursheed Abbas, chief consultant, facilitated a session on record keeping, its importance, and benefits.
One second day, Jamshed Kamran facilitated sessions on farmers records, bookkeeping, accounting,
receipts, vouchers, cash book etc. He also elaborated accounting cycle and told the participants about
concepts of various terms related to accounting.
On third day, participants learnt about assets, types of assets and social mobilization. The facilitators
told them that assets refer to resources owned by a business or individual. There are two types of
assets, i.e. current assets and fixed assets. Though social mobilization was not included in the agenda yet
the facilitators delivered a session on it while accepting this suggestion from PTI team.
On fourth day, Jamshed Kamran and Gulfam Mustafa facilitated session about banks, types of banks,
and banking procedures. The participants learnt different types of banks including commercial,
microfinance, agricultural, industrial, Islamic etc. The participants also learnt about various services and
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products being offered by the banks. Such services and products include bank accounts, ATM / debit /
credit cards, demand drafts, lockers, loans etc. Participants also learnt about microfinance banks as well
as branchless banking.
On fifth and last day, the participants learnt about procurement process, communication, and SMCR
model of communication. They discussed responsibilities of sender and receiver for an effective
communication. The participants also learnt characteristics of good facilitator, difference between
teaching and training, pedagogy and andragogy, and group behaviors. These sessions were facilitated by
Jamshed Kamran and Ijaz Rasool.
At the end of training workshop, certificates were distributed among the participants.
3.6 Financial Literacy Centers Inauguration Ceremonies
As part of the project, OPI has established eight (08) Financial Literacy Centers (FLCs) in following four
union councils of Tehsil Lodhran.
1. Salsadar
2. Sumra
3. Kundi
4. Kamal Pur Jatiyal
Identification of places for FLCs, selection of trainees and recruitment of financial literacy trainers
followed a rigorous and systematic process. OPIs team visited different villages in target union councils
and conducted meetings with local influential persons as well as community members. Based upon
needs assessment and feasibility, following eight villages were selected for establishment of FLCs.
1. Basti Gharwalli, UC Salsadar
2. Basti Chak Liaquatabad, UC Salsadar
3. Basti Jhoke Wala, UC Sumra
4. Basti Balochan, UC Sumra
5. Basti Sardar Wali, UC Kundi
6. Basti Matman Wali, UC Kundi
7. Basti Sohanray Wala, UC Kamal Pur Jatiyal
8. Basti Mitti Chattan, UC Kamal Pur Jatiyal
After selection of places, OPI team identified potential trainees with the help of local communities. By
obtaining willingness from potential trainees, OPI registered them and shared lists with the donor for
prior approval. After approval from the donor, OPI finally established financial literacy centers at above
mentioned locations.
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OPI has recruited commerce graduates / undergraduates for facilitating learning sessions at FLCs.
Bachelor degree of Commerce was minimum requirement for the trainers.
In order to attract more community members, and as a part of OPIs branding plan, a simple opening
ceremony was organized at each of the selected villages. A list of FLCs with days of opening ceremonies
is given below.
Sr No UC Basti
Male/Female
centre
Trainers Name
Date of Opening
Ceremony
1 Salsadar Gharwalli Male Imran Khan 15-05-2013
2 Salsadar Chak
Liaquatabad
Male Munawar Ali 15-05-2013
3 Sumra Jhok Wala Female Muhammad Tariq 17-05-2013
4 Sumra Basti
Balochan
Male Manzoor-ul-Hassan 17-05-2013
5 Kundi Sardar Wali Female Shehnaz Khan 16-05-2013
6 Kundi Matman
Wali
Male Muhammad Shahid 16-05-2013
7 Kamalpur Sohanray Female Uzma Malik 20-05-2013
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Jatial Wali
8 Kamalpur
Jatial
Mitti
Chattan
Male Malik Kashif 20-05-2013

In these ceremonies, community members participated and expressed their happiness on establishment
of FLCs. Local Numberdar a person who acts on behalf of local government at village level were chief
guests of opening ceremonies in their respective villages. Representatives of donors also participated in
two opening ceremonies at Gharwalli and Chak Liaquatabad in UC Salsadar.
3.7 Social Mobilization
Social Mobilization Team conducted comprehensive meetings with project stakeholders
including UC secretaries, Influential, community elders and other members of communities
and opinion leaders to enhance project visibility and enhance their understanding on project
objectives.
Interaction with community members enhanced communitys ownership and understanding
on developmental issues. Furthermore, rapid assessment tools used to skim firsthand
information and data related to focus on project interventions. Moreover, community
interaction and participation enabled community members to reflect upon their social and
primary issues which are directly related with the social mobilization activities at community
level. Summing up, SMT finalized clusters of selected UCs, detailed implementation plan
which was instrumental to implement Financial Literacy Services accordingly.
Key Objectives of Social Mobilization
To provide social guidance to people and facilitate them in harnessing their potential
to help themselves.
To organize communities to facilitate delivery of services and supplies to them by Government,
NGOs, donors & other development agencies and nurture them into self-reliant organization.
To test and develop practical models to cope with financial issues in an effective & efficient
manners for self-reliance in the long run.
To enhance their hidden potentials by providing them with financial management, marketing,
communication, negotiation and procurement skills in order to minimize the risks of losses in
their agricultural or livestock businesses.
3.8 Establishment of Vasti Waseb Sangat (Village Development Committees)
OPI promotes participatory development and believes that sustainable development is not possible
without active participation of communities. For this purpose, OPI established eight (08) Village
Development Committees (VDCs) with the name of Vasti Waseb Sangat (VWS).
Criteria for Membership of Vasti Waseb Sangat:
OPI devised membership criteria for VWSs which was also shared with the donors. Following are key
points of the same.
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A person seeking for membership of VWS should:
Be willing for practical social work;
Be interested especially in development of Young Farmers;
Be willing to work as volunteer;
Be able to spend time to work for VWS, attend relevant meetings & other activities;
Have good repute in community;
Be acceptable to the community;
Understand characteristics of local communities and have good skills of communication
Roles and Responsibility of village development committee
Committee will hold monthly meetings to discuss progress of financial literacy center and other
common issues.
Committee will keep record of meetings in a register.
Committee will coordinate with OPI for achieving the objective of financial literacy center.
Committee will be informed and have data/information regarding agriculture at local level.
Committee will identify agriculture issues of the village and try to solve in collaboration with OPI
and Government departments.
Committee is also responsible to visit financial literacy center for monitoring progress.
Members of Vasti Waseb Sangat
Following is number of members per Vasti Waseb Sangat in concerned villages.
# Name of Village Union Council Total Members
1 Ghervali Salsadar 6
2 Liqatabad 6
3 Basti Blochan Sumra 6
4 Basti Jhoke wala 6
5 Metti Chattan Kamal Pur Jatial 6
6 Sohary wala 6
7 Matma Kundi 6
8 Sardarwali 6

Final Project Report of Financial Literacy Project 20

3.9 Meetings with Vasti Waseb Sangat (Village Development Committees)
OPI team conducted regular meetings with eight (08) Village Development Committees on fortnightly
basis. Purpose of the meeting was to improve quality of financial literacy trainings through community-
based monitoring system.
3.10 Networking & Linkages
OPI arranged a total of 40 exposure visits for eight literacy training centers. These visits were arranged
to different banking, microfinance and agricultural companies / organizations. Visits were conducted to
following institutions.
Meezan Bank Limited
Target Markaz (Ali Akbar Group)
Syngenta Pakistan Limited
Khushhali Microfinance Bank Limited
Farmers Integrated Development Association
3.10.1 Exposure Visit at Meezan Bank Lodhran
OPI have organized exposure visits of all financial literacy centers at Mezan Bank Lodhran. The objective
of the visit was to build the linkages between farmers and bank.
These types of visit and meetings will create confidence, broader understanding and information about
managing their finance through banks, obtaining loans, getting their crops & livestock protected through
insurance, and ability to buy or sell in appropriate markets.
Mr. Muhammad Ramzan Business Development Officer, Mezan Bank Lodhran thanked to OPI for
providing such plate from for framers and Banks for linkages development and appreciate the idea of
Final Project Report of Financial Literacy Project 21

OPI for financial literacy of young farmers according to real need. He introduces Meezan bank also his
policy, account opening procedure, use and benefits of ATM cards. He further told that Meezan bank is
an Islamic bank and offering totally interest free loans. He used different terminologies like Mudarba
and Rub ul Mall. Further he explains them one by one. He shared Meezan bank offering assets based
work on interest rate. Moreover he explains the simple procedure of taking loan from Meezan bank. He
shared that Mezan bank is going to announce a product of agriculture loan for farmers in future. He
offered to farmers for credit for the purchasing of machinery and tractor etc. He also offered to female
trainees for the opening of Mezan Bachat account (MBA account) she can deposited her saving in the
account on daily basis. He discussed Mezan Bank is offering Laptop for youth on credit, the amount will
recover through installment in two years. During the presentation trainees of FLCs centers made many
cross questions to Meezan bank official regarding loans in different conditions and aspects. At the end
of the meeting IEC material from Mezan Bank was distributed in the participants. At the end Mr. Ijaz
Rasool, Program Manager, OPI lodhran thanked to official of Mazan bank for providing information
about banking and especially thanked to trainees farmers for keen interest during question and answer
session.
Details of visit are as under:
# Name of Center Date Total Participants
1 FLC, Basti Ghervali July 16,2013 35
2 FLC, Basti Matma July 16,2013 36
3 FLC, Liqat abad July31,2013 34
4 FLC, Metti Chattan July 31,2013 32
5 FLC,Jhoke wala August 02, 2013 37
6 FLC, Sardarwali August 02,2013 28
7 FLC, Sohary wala August 02,2013 35
8 FLC, Basti Blochan August 03,2013 33
Total 270

3.10.2 Exposure Visit to Rana
Model Agricultural Farm by
Target Markaz (Ali Akbar Group)
OPI have organized exposure visits of
eight Financial Literacy Centers (FLCs)
at Rana Model Agricultural Farm by
Target Markaz, Ali Akbar Group
(Pesticide Company) at Adda Shahnal
on August 02-03, 2013. The objective
of the visit was to build the linkages
of young farmers with Ali Akbar
Group, one of the largest pesticides
Final Project Report of Financial Literacy Project 22

companies in Pakistan. A total of 258 young farmers visited this farm.
Mr. Muhammad Rafique, Farm Manager, welcomed all the visitors and appreciates the efforts of OPI
regarding this creative and unique project. He said that cotton is considered as the world's 'dirtiest' crop
due to heavy use of the most hazardous pesticides to human and animal health. Cotton covers 2.5% of
the world's cultivated land yet uses 16% of the world's insecticides, more than any other single major
crop. He delivered useful information about increasing cotton production per acre of land. The visitors
asked many questions about diseases, seed selection, spray schedule and pesticides which were being
used by Rana Model Agricultural Farm for getting maximum cotton yield. Mr. Rafique responded to
those questions. He facilitated the participants to observe the cotton field which was spread on nearly
50 acres of cultivated land. All participants keenly observed the cotton fields. At the end of the visit, the
farm management assured of their cooperation to the young farmers in selection of best seeds and
pesticides. The management also offered support in getting seeds and pesticides on credit.
3.10.3 Syngenta Pakistan Limited
On 15
th
August, 2013; OPI organized exposure visits of eight Financial Literacy Centers (FLCs) to local
franchise of Syngenta Pakistan Limited.
Syngenta is a multinational firm which manufactures pesticides, and other agricultural chemicals. In
Pakistan, it has a large network of
agricultural franchises with the brand
name of Naya Sawera.
OPIs visit to Syngenta Pakistan
Limited, Lodhran franchise was
welcomed by Rana Allah Bux, local
Franchise Manager of the company.
He told the visitors that Syngenta is
committed to help small farmers in
becoming professional growers. He
told that Syngenta provides solutions
for crop protection, seed care, seeds,
and lawn & garden which are based
upon thorough research and modern
technologies. He told the farmers
about different products of Syngenta and their respective features. Farmers also asked various
questions which the franchise manager responded appropriately.
At the end of the visit, Mr. Ijaz Rasool, Program Manager of OPI, thanked the hosts as well as the
visitors.
The visits were attended by a total of 264 young farmers from eight FLCs.
Final Project Report of Financial Literacy Project 23

3.10.4 Khushhali Microfinance Bank Limited
OPI organized exposure visits of 8 financial literacy centers to Khushhali Microfinance Bank Limited,
Lodhran on August 24, 2013. The objective of the visits was to build linkages between young farmers
and the microfinance bank. A total of 274 trainees from eight FLCs of OPI visited Khushhali Bank.
Mr. Zulfiqar Ali (Branch Manager of Khushhali Bank) along with his colleagues Mr. Muhammad Ajmal
and Syed Abdul Haq welcomed the participants. He introduced Khushhali Bank, its policies for micro-
financing, account opening procedure, use and
benefits of ATM cards, and details about
various products of the bank. He shared that
Khushhali Bank is working with different farmer
groups. Area development officers of the bank
mobilize the farmers who can obtain micro
credit facility on social collateral by organizing a
group of local farmers. He offered credit to the
visiting farmers for purchase of machinery and
tractor etc. During the presentation, trainees of
FLCs made many questions regarding loans in
different conditions and aspects. Mr. Zulfiqar Ali
responded to these questions. At the end of the
meeting, IEC material from Khushhali Bank was distributed among the participants. Mr. Ijaz Rasool,
Program Manager of OPI thanked to the officials of Kushhali Bank for providing information about
banking and especially thanked to young farmers for their keen interest during question and answer
session
3.10.5 Farmers Integrated Development Association
OPI arranged exposure visits to Farmers Integrated Development Association, Vehari a non-profit
NGO working for increasing income of farmers. Visits were conducted on August 21-23, 2013. A total of
280 young farmers from eight financial literacy centers of OPI attended these visits.
Mr. Muhammad Iqbal, Program Manager of
FIDA, welcomed all the participants at FIDA
office Vehari. He told the visitors that
agricultural industry in Pakistan is deprived
despite the fact that 60% of rural population
depends upon agriculture for daily bread and
butter. He said that ever-increasing population,
expanded residential colonies and minimized
agriculture land are bringing us towards a
critical situation of food security. He told that
tunnel farming has been introduced for getting
Final Project Report of Financial Literacy Project 24

early production of summer crops especially vegetables. He added that farmers can enhance their
income by getting high production up to 60% more than traditional farming by adopting and promoting
tunnel farming in a country.
After the presentation all the participants visited the kitchen gardening area at roof of FIDA office. The
hosts told that every person should have the right to decide what they eat and to ensure that food in
their community is healthy and accessible. This is the basic principle of food sovereignty. Kitchen
gardening is the part of human culture. These small family plots have been called by a variety of names
over the years: kitchen gardens, victory gardens and the Japanese tea gardens. Mr. Iqbal shared that the
main purpose of a kitchen garden is to provide food for the family. In ancient times, kitchen gardens
were the sole source of food in a mainly vegetarian diet. In the modern era, the kitchen gardens
supplement food budget and provide balanced nutrition in a hurried, ready-made-meal world.
Moreover he discussed about the importance of kitchen gardening. He said, for a beginning gardener
with an average-sized family, a vegetable
garden does not required large space. An area
of 25 square feet should be adequate for this
purpose. He told the young farmers to avoid
starting with a too large space. At this
occasion, the young farmers made several
cross questions about cotton diseases, tunnel
farming and kitchen gardening. Mr. Iqbal
answered all trainees reasonably and
satisfactorily.
The participants also learned about preserving
fruits and vegetables in the form of jam,
achaar, drinks and ketchup. The hosts told the visitors that preserved fruits and vegetables can also be
sold in the market with a higher profit margin.
At the end of the visit, Mr. Ijaz Rasool, Program Manager, OPI thanked to the management and staff
members of FIDA for providing useful information about pest management, kitchen gardening, tunnel
farming and food security and especially for keen interest during question and answering.
3.11 Publication of Final Project Report
Printing and dissemination of final project report was the last activity of the project. OPI developed,
printed and disseminated this report among key stakeholders of the project.

Final Project Report of Financial Literacy Project 25

4. Pre and Post Tests of Trainees
OPI have conducted the pretest of trainee and know the existing knowledge of trainees before starting
the class at financial literacy center on development format. After completion of financial literacy period
of three month OPI have conducted posttest of participants to know the knowledge after classes at
financial literacy center. Below graph show the knowledge of trainees before and after financial literacy
centers.
4.1 Pretest Analysis

4.2 Posttest Analysis

29%
18%
8%
3%
Record keeping
Financial Management
Banking
Communication
72%
58%
43%
53%
Record keeping
Financial Management
Banking
Communication
Final Project Report of Financial Literacy Project 26

4.3 Pretest vs. Posttest



29%
18%
8%
3%
72%
58%
43%
53%
0%
10%
20%
30%
40%
50%
60%
70%
80%
Record keeping Financial
Management
Banking Communication
Pretest result
Post test result
Final Project Report of Financial Literacy Project 27

4. Case Studies & Success Stories
4.1 Opponent of girls education now wants a girls school in his village
Sahib Yar Khan a 50 years old farmer lives in
Basti Sardar Wali of union council Kundi, Tehsil
Lodhran. He has six children. His major source of
income is agriculture and he is owner of 10 acre of
agricultural land. He is a well-respected and
influential person of his village.
When OPI team visited his village and conducted
orientation meeting with local community, it
immediately agreed for opening a financial literacy
center. Community was very happy and
enthusiastic for opening the literacy center for
female but Mr. Shaib Yar refused to open the
literacy center for female at Basti Sardarwali. He
said that females of his village have no time for
education and it is not important for them. He had
opinion that females only responsibility is to give
birth to children and then to look after them. He became angry upon OPI team and other community
members. Due to his influence, people of the village were not able to pass over him. Sahib Yar also
stopped the OPI team to visit his village again. However, OPI team took it as challenge and continued
their struggle for providing financial literacy to the females of the village.
OPI team conducted a series of one to one meetings with Shaib Yar. After a number of meetings, they
managed to convince Sahib Yar for opening financial literacy center for female young farmers of his
village. Though it was challenging yet OPI team done it through effective mobilization. As a result, Shaib
Yar called a meeting of the community himself and invited OPI team for the opening of financial literacy
center. He helped OPI team for the selection of financial literacy trainer and trainees. A person, who
used to oppose education for girls and financial literacy for women, was changed. OPI established
financial literacy center for young women farmers in his village where 35 women got financial literate.
Sahib Yar now wants OPI to help his community for establishing a school for their girls.
4.2 Amir Iqbal can now calculate profit & loss.
Amir Iqbal is an 18 years old farmer who lives in Basti Matman Wali of union council Kundi, tehsil &
district Lodhran. He is the only son of his parents. He helps his father in agriculture field. Traditionally,
they cultivate cotton & wheat crops and sell it in local markets. But most of the time, they suffer from
losses. He always dreamed of increasing profit through crops and wanted to expand his cultivated land
more and more. But frequent losses kept him and his father unable to attain their goal. One major
Final Project Report of Financial Literacy Project 28

reason of losses was their inability to calculate
profit & loss of their crops. Furthermore, they
never kept any record of investments and / or
returns. When OPI team conducted orientation
meeting at his village, he requested the OPI team
to register his name as a trainee. He expressed
great interest in attaining financial literacy. He got
registered as a trainee and attended the financial
literacy center on regular basis. After completing
the three months financial literacy course, he has
now become able to calculate profit and loss. He
has also learnt about different concepts and
techniques for keeping record of financial
transactions. He is now able to manage financial
affairs related to his agricultural farm. Now he can
even keep record of hidden expenses. He was the youngest trainee at Basti Matman Walis financial
literacy center. Now Mr. Amir Iqbal is confident that he will be able to save on input costs and to
increase the profit out of his agricultural land.
4.3 Frequent losses made him drug-addicted.
Rasheed Iqbal is a 30 years old young farmer
who belongs to Basti Matman Wali of union
council Kundi, district Lodhran. He lives with
his parents. His main source of income is
agriculture. He is owner of 3 acres of
agricultural land. He never tried to calculate
the profit and loss of their business. He did
not know how to calculate the profit and loss.
He decided that he will leave the business of
agriculture due to frequent losses. He became
desperate and indulged himself into drug
addiction.
During OPIs orientation meeting with
community at his village, he requested register him as a trainee. OPI team engaged him in financial
literacy center and made him optimistic and futuristic. He looked very satisfied and responsible in day to
day learning at the financial literacy center. According to him, this center brought a revolutionary
change in his life. He learnt the use of ATM card, procedure of taking agriculture loan from banks, and
keeping appropriate record of inputs and outputs of business. After completing financial literacy course,
he has become able to estimate expenditures and manage them effectively and efficiently in a
systematic and scientific way. Financial literacy center was a great source of inspiration and learning for
Final Project Report of Financial Literacy Project 29

him. OPI team aims to continue providing support and guidance to young farmers and tell them how
they will increase their profit. It is expected that as a result of such activities young farmers will be able
to maximize their earning through their crops.
4.4 Muhammad Mustaqeem keeps all financial records of his agricultural
business.
Muhammad Mustqeem is 21 years old farmer and
lives at Basti Liaquatabad, UC Salsadar, District
Lodhran. He lives with his parents. He owns 4 acres
agriculture land. He did not know such methods to
calculate his expenditures and incomes. He was
much worried about it. He wanted to learn about
financial management of his business but no
institution was offering such an exclusive course.
When OPI opened financial literacy center in his
village, he got enrolled in it. He attended the
sessions regularly and learnt skills related to
financial management, banking, procurement,
communication, negotiation, and marketing. He
learnt to make budget for agricultural crops. He got ability to estimate expenditures of fertilizer and
pesticides required for the crops. He also learnt about ledger, record keeping and receipt account. After
learning these skills, Muhammad Mustaqeem now maintains proper financial records of his business.
Hopefully, it will help him to increase his income in future.
4.5 Mansab Mai can make budget for her home.
Mansab Mai belongs to Basti Sardarwali in UC
Kundi of Lodhran. She lives with her four children
and husband. She helps her husband in agriculture.
After managing his responsibilities at home, he
goes with her husband and works in agricultural
fields. Though both of the persons work together
for cultivation yet the income earned through it
always remains insufficient to meet their basic
needs. In these circumstances, Mansab Mai always
wanted to make a sustainable source of income for
her family. After announcement of OPIs financial
literacy center in her village, she got registered as a
trainee. After attending classes on regular basis,
she is very happy to learn about record keeping and
maintaining financial records. She says that now
she is able to calculate profit and loss of business
Final Project Report of Financial Literacy Project 30

and able to book the daily expenses. After learning budgeting skills from OPIs financial literacy center,
she has started preparing monthly budget for her home in order to overcome the financial problems
through efficient utilization of available money. Her husband is also very happy that his wife is able to
maintain the expenditures of home and agriculture. She shared with OPI that the sessions at financial
literacy center have also enabled her to express her views confidently.





Final Project Report of Financial Literacy Project 31

5. Lessons Learnt
OPI team faced following challenges during first month of the implementation of the project.
Social mobilization is a long-term process that needs commitment and continuous efforts. Once
the social mobilizer earns trust of the community, s/he can mobilize the community with less
efforts.
Often the most rigid person becomes your activist if you can successfully communicate your
message to him/her.
Local traditions, cultural values, and religious beliefs must be respected in order to work with
the communities.
Engaging community members for local-level monitoring often helps in improving quality of
activities.
Healthy competitions between villagers / people increase their self-confidence.
Mobilization process requires more time for andragogy interventions.

Final Project Report of Financial Literacy Project 32

Annexure

1. List of trainees
2. List of FLCs and Financial Literacy Trainers
3. Study plan for Financial Literacy Centers
4. Questionnaire for pretest and posttest of trainees
5. Format for daily logbook of trainees
6. Format for monitoring of FLCs
7. Sample media coverage
Final Project Report of Financial Literacy Project 33

1. List of Trainees
S# Name Father / Husband Gender Age
(Years)
FLC Basti Sardar Wali, UC Kundi
1 Shahnaz Bibi Hashim Khan (H) Female 22
2 Rifat Bibi M. Qasim (H) Female 20
3 Shahbana Abdul Razaq Female 20
4 Kousar Bibi M. Mushtaq Female 19
5 Momal Bibi M. Rubani Female 33
6 Rukaya Bibi Raees Khan Female 34
7 Perveen Bibi Nadeem Khan Female 30
8 Uzma Bibi Sahib Yar Female 19
9 Humaira Bibi Female 19
10 Farhana Bibi Qasim Khan Female 22
11 Salma Bibi Amir Khan Female 24
12 Naseban Bibi Peer Baksh Female 22
13 Munsab Mai Shahid Balooch (H) Female 29
14 Tahira Bashir Bashir Ahmed Female 18
15 Shazia Bibi M. Tanveer Female 21
16 Noreen Mai Ahmed Yaar Female 18
17 Shehnaz Mai Maqbool Sain (H) Female 34
18 Sobia Bibi Khizar Hayat Female 27
19 Musrat Bibi Zahid Khan (H) Female 22
20 Kusar Bibi Niaze Khan (H) Female 27
21 Reema Bibi Jumma Khan Female 21
22 Farha Mai Tariq Mehmod (H) Female 23
23 Hajiran Mai Ahmad Yar Female 33
24 Noreen Mai Azam Khan (H) Female 28
25 Naseem Mai Javaid Khan (H) Female 29
26 Samreen Bibi M. Shamil (H) Female 26
27 Sumaira Mai M. Qavait (H) Female 25
28 Balqees Bibi M. Niazi (H) Female 33
29 Rukhsana M. Niaze (H) Female 21
30 Nasreen Bibi Rahim Yar Khan Female 34
31 Guddo Mai Rahim Yar Female 34
32 Samina Bibi M.Israr Female 31
33 Shazia Bibi M.Madni Female 18
34 Alia Bibi Abdul Razaq Female 18
35 Haseena Mai Mehbob Khan Female 35
FLC Basti Matman Wali, UC Kundi
36 Muhammad Riaz Mushtaq Ahmed Male 30
37 Rasheed Iqbal Muhammad Iqbal Male 30
38 M.Amir Iqbal M.Iqbal Male 19
39 M.Sadaam Khalil Ahmed Male 23
Final Project Report of Financial Literacy Project 34

40 Aitabar Hussain Khuda Yaar Male 27
41 M.Asad Bashir Ahmed Male 27
42 Raja Khan Qutab Din Male 19
43 M.Asgar M.Ramzan Male 18
44 Junaid Ali M.Ali Male 19
45 M.Qasim Muhammad Yaar Male 25
46 M.Shehzad Lal Bakhsh Male 18
47 Rana Amir Ali Rana Gulam Muhammad Male 18
48 M.Ikhtayar Khuda yaar Hussain Male 24
49 M.Shehzad M.Abbas Male 26
50 M.Zahir M.Tahir Male 18
51 M.Imran M.Ayub Male 25
52 Shah Muhammad Shakar Khan Male 35
53 Mehboob Khan Raees Ahmed Khan Male 31
54 Hashim khan Raees Ahmed Khan Male 30
55 M.Irfan Soby Khan Male 22
56 Shah zaib Gind Wada Male 18
57 Sadam Hussain Muhammad Bux Male 18
58 Bu Ali Muhammad Ali Male 19
59 Hakim Ali Muhammad Ali Male 21
60 Waris Ali Ahmed Khan Male 31
61 M Shahid Allaha Ditta Male 19
62 Muhammad Sajjad Muhammad Ramzan Male 26
63 M.Mubashir Nawaz Rub nawaz Male 18
64 Bismillah Riaz Ahmed Male 19
65 Ijaz Ahmed Fiaz Bux Male 28
66 Muhammad Qwaid Khan Ghulam Mustafa Male 27
67 M.Nayazi Liakat Khan Male 25
68 M.Tanvir Gulam Mustafa Male 18
69 M.Wasim M.Hanif Male 21
70 M.Shoaib Jind Wada Male 18
71 M.Sabir Bashir Ahmed Male 25
72 Shehzad Abdul -Razaq Male 18
73 M.Sajjad Mosa Khan Male 23
FLC Basti Liaquatabad, UC Salsadar
74 Kaleem Ullah Shah Nawaz Male 24
75 Mohi-ud-Din Muhammad Rafique Male 35
76 Muhammad Arif Muhammad Ashiq Male 23
77 Meher Khan Abdul-Sattar Male 25
78 Muhammad Shabbir Muhammad Rasheed Male 26
79 Muhammad Azam Muhammad Hanif Male 21
80 Ali Shan Manzoor Ahmad Male 23
81 Muhammad Bilal Muhammad Iqbal Male 24
82 Muhammad Ishfaq Muhammad Rafique Male 24
Final Project Report of Financial Literacy Project 35

83 Nooray Khan Allah Rakha Male 31
84 Muhammad Hayat Muhammad Ashiq Male 33
85 Shahid-ul-Hasan Hasan Muhammad Male 25
86 Muhammad Mushtaq Muhammad Shafi Male 31
87 Muhammad Afzal Abdul Majeed Male 33
88 Muhammad Sajid Nazar Muhammad Male 23
89 Ferman Gulam Mustafa Male 25
90 Jahangir Umer Khan Male 23
91 Rao Sajid Ali Khan Rao Yasin Male 26
92 Muhammad Shafique Muhammad Rafique Male 30
93 Zahid-ul-Hasan Hasan Muhammad Male 28
94 M.Ishfaq Shamshad Ahmed Male 33
95 Rao Haleem Shah Nawaz Male 31
96 Muhammad Riaz Muhammad Anwar Male 31
97 Mustaqeem Mangat Male 18
98 Ali Raza Muhammad Qadeer Male 18
99 Ali Shan Muhammad Nisar Male 22
100 M.javaid Gulam Mustafa Male 23
101 Rao Jahanzeb Rao Aurangzeb Male 18
102 Muhammad Asif Abdullah Khan Male 25
103 Muhammad Saleem Muhammad Usman Khan Male 25
104 Naeem Akhtar Muhammad Sharif Male 24
105 Alamgir Umer Khan Male 27
106 Munzoor M.Iqbal Male 27
107 Makhdum Nasir Dildar Ahmed Male 29
FLC Basti Gharwalli, UC Salsadar
108 Irshad Khan Ashiq Muhammad Male 22
109 Muhammad Suhran Madni Khan Male 22
110 Abdul-Rehman Muhammad Bashir Male 35
111 Shams Khan Rasheed Ahmad Male 23
112 Muhammad Safdar Rasool Bakhsh Male 32
113 Hameed Khan Khan Khalil Khan Male 33
114 Punnu Khan Mureed Khan Male 34
115 Jahanzaib Khan Akram khan Male 18
116 Amir Khan Anwar Khan Male 18
117 Niaz Khan Rasheed Ahmad Male 18
118 Mehran Khan Haider Khan Male 21
119 Ishfaq Khan Rasheed Khan Male 18
120 Amjad Khan Mazhar Khan Male 22
121 Gul Muhammad Hazaaray Khan Male 28
122 Rashid Khan Nazuk Muhammad Male 23
123 Qasim Khan Haji Allah Bakhsh Male 28
124 Zubair Khan Iqbal Khan Male 18
125 Shehzad Khan Shabbu Khan Male 18
Final Project Report of Financial Literacy Project 36

126 M. Asif Mazhar Khan Male 18
127 Ilyas Khan Mureed Khan Male 29
128 Faheem Khan Allah Dad Khan Male 18
129 M. Qasim M. Nawaz Male 26
130 Raheem Yar Khan Qutb-ud-Din Male 35
131 Nadeem Khan Qutb-ud-Din Male 18
132 Riaz Ahmad Rasheed Ahmad Male 28
133 Muhammad Saleem Khan Allah Dad Khan Male 26
134 Muhammad Ayaz Khan Haider Khan Male 33
135 M.Ashraf M. Aslam Male 20
136 M.Muneer Allah Yar Male 18
137 M.Waseem Allah Ditta Male 20
138 M.Ayaz Jind Wadda Male 30
139 M.Asif Mushtaq Ahmed Male 20
140 M.Riaz Khan Lal Khan Male 33
141 M.Waqas Peeran Ditta Male 18
142 M.Fiaz M.Moosa Male 18
FLC Basti Balochan, UC Sumra
143 M.Sabir Hussain Rub Nawaz Male 20
144 Khadim Hussain Allaha Baksh Male 35
145 M.Arif Nazeer Ahmed Male 34
146 M.Shahid M.Sharif Male 18
147 M. Raziq Nazeer Ahmed Male 31
148 Ahmed Nawaz Haq Nawaz Male 18
149 M. Aslam Khan Muhammed Male 34
150 Rab-Navaz Gulam-Fareed Male 32
151 M.Bilal Allaha Devaya Male 30
152 M. Fareed Allaha bachaya Male 20
153 Nasrullaha Nasir Allaha Vasaya Male 23
154 Atta -Ulaha Gulam-Rasool Male 23
155 M. Ajmal M. Ramzan Male 28
156 M. Arshad Ghulam Rasool Male 27
157 M. Siraj Ghulam Sarwer Male 27
158 Azhar Hussain M. Ayyub Male 20
159 M.Rashid M.Nawaz Male 20
160 Ijaz Hussain Ghulam Yaseen Male 18
161 M.Maki Khuda Yar Male 23
162 Khuda Yar Allah Yar Male 34
163 M. Javed M. Ismail Male 26
164 M.Ayaz m.Hanif Male 18
165 M. Shehzad Allah Wasaya Male 18
166 M.Feyaz M.Hanif Male 23
167 M.Feyaz Bashir Ahme Male 18
168 Mehmood-ul-Hassan Abdul Rashid Male 26
Final Project Report of Financial Literacy Project 37

169 M.Asif Khuda Hussain Male 18
170 Jamil Ahmed Faiz Buz Male 18
171 M.Yasir M.Ali Male 18
172 Aqeel Ahmed Faiz Bux Male 18
FLC Basti Jhoke Wala, UC Sumra
172 Rukhsana Akhtar Muhammad Akhtar Female 22
173 Naseem Idress Muhammad Idress Female 20
174 Nasreen Tahir Muhammad Tahir Female 34
175 Shamim Ayoob Muhammad Ayoob Female 23
176 Naeem Akhtar M.Akhtar Ijaz Female 27
177 Sageeran Bibi M.zulfaqar Female 23
178 Yasmeen Idress Muhammad Idress Female 19
179 Nayyer Sultana M.Tanweer Female 28
180 Sohaa Rayasat M.Rayasat Female 18
181 Uzma Khadim Hussain Khadim Hussain Female 19
182 Shehnaz Akhtar Muhammad Mahfooz Female 19
183 Lubna Ashraf Muhammad Ashraf Female 18
184 Rafya Aayub M.Aayub Female 20
185 Safeena Nauman Muhammad Luqman Female 19
186 Nosheen Tahir Muhammad Tahir Female 18
187 Mehreen Iqbal Muhammad Iqbal Female 19
188 Aysha Tasawer M.Tasawer Female 18
189 Tahira Akbar Muhammad Akbar Female 20
190 Nargis Anwar M.Anwar Female 19
191 Shaista Kanwal Allaha Yaar Female 23
192 Umreena Luqman Muhammad Luqman Female 20
193 Rakhshinda Anwar Muhammad Anwar Female 19
194 Sajida Ahmed Sher Ahmed Sher Female 22
195 Ferzana Begum M.Akhter Female 35
196 Sana Ayyaz Muhammad Ayyaz Female 18
197 Sana Wali Muhammad Wali Female 19
198 Rimsha Kiran Umeed Ali Female 18
199 Sumaira Haneef Muhammad Haneef Female 18
200 Lubna wakeel M.wakeel Female 18
201 Sumaira Bibi M.Hussain Female 20
202 Sania Liaquat Muhammad Liaquat Female 19
203 Haleman Bibi Habib-Ulahah Female 31
204 Saira Begum Rafaqat Ali Female 32
205 Rubania Kousar Rao M.Younas Female 33
206 Shagufta Perveen Atta Rasool Female 18
207 Shahzadi M.Ishaq Female 28
208 Nagma Ashraf M.Ashraf Female 23
209 Iqra Bibi M.Muqeem Female 22
210 Aysha Bibi M.Mursaleen Female 21
Final Project Report of Financial Literacy Project 38

211 Chaman Iqbal M.Iqbal Female 20
212 Rukhsana Akhtar Muhammad Akhtar Female 22
FLC Basti Sohanray Wala, UC Kamal Pur Jatiyal
213 Nazia Aslam Javed M. Aslam Javed Female 19
214 Iqra Aslam Javed M.Aslam Javed Female 18
215 Asima Imran M.Imran Female 30
216 Shaheen Allaha-Bachaya Female 18
217 Fazeelat Ghaffar Ghaffar Ghauri Female 18
218 Afshan Bibi Noor Din Female 21
219 Noreen Sattar Abdul Sattar Female 19
220 Shabbana Noor Din Noor Din Female 19
221 Aqsa Shabbir Ghulam Shabbir Female 18
222 Zubaida Ahmad Yar Ahmad Yar Female 19
223 Sonia Muhammad Sharif Female 19
224 Sobia Muhammad Sharif Female 18
225 Shehnaz Bibi Muhammad Ramzan Female 18
226 Shabnam Dilshad Muhammad Dilshad Female 26
227 Sajida Gul Muhammad Yaqoob Female 19
228 Nosheen Tahir Tahir Ali Female 18
229 Aneela Yousaf Muhammad Yousaf Female 18
230 Sajida Saleem W/O Muhammad Tasleem Female 26
231 Shaista Muhammad Qurban Female 18
232 Shahida kaleem M.Kaleem Female 25
233 Nosheen Sharif Muhammad Sharif Female 18
234 Abida Parveen Abdul Shakoor Female 19
235 Sonia Maqbool Muhammad Maqbool Female 18
236 Noreen Qalam-Deen Female 18
237 Noor Banoo Qalam-Deen Female 19
238 Nasreen Azeem M.Azeem Female 19
239 Sonia Asghar Muhammad Asghar Female 19
240 Rifat Khalil Khalil Ahmad Female 18
241 Shazia Bilal M.Bilal Female 25
242 Mumtaz Ashraf Muhammad Ashraf Female 25
243 Shehnaz Yaseen Ghulam Yaseen Female 20
244 Kiran Shehzadi Ghulam Yaseen Female 18
245 Lubna Iqbal Muhammad Iqbal Female 18
246 Iqra Rasheed M. Rasheed Female 18
247 Anam Akhtar M.Akhtar Female 18
248 Shazia Naeem M.Naeem Female 23
FLC Basti Mitti Chattan, UC Kamal Pur Jatiyal
249 Muhammad Saleem Muhammad Aslam Male 19
250 Shahnawaz M.Usaf Male 18
251 Wseem Sadiq M.Sadiq Male 19
252 M.Javaid Shah Ahmed Shah Male 18
Final Project Report of Financial Literacy Project 39

253 Muhammad Nawaz Mehr Din Male 35
254 Muhammad Saleem Muhammad Sadiq Male 20
255 Ghazi Abbas Muhammad Sharif Male 27
256 M.Zahid Gulam Fareed Male 19
257 M.Zahid Bilal Haji Bagh Ali Male 19
258 Siraj Ahmad Haji Nawaz Male 24
259 Bashir Ahmad Imam Bakhsh Male 33
260 Shehnshah Hussain Muhammad Tufail Male 26
261 Muhammad Saleem Haji Khadim Male 20
262 Muhammad Abbas Allah Dewaya Male 28
263 Shan Zafar Iqbal Male 20
264 Muhammad Nasir Haji Abdullah Male 21
265 Shoukat Shah Abdul-Hameed Shah Male 28
266 Sabir Hussain Muhammad Nawaz Male 27
267 Adnan Haji Manzoor Male 20
268 Muhammad Irshad Kanwal Haji Abdullah Male 30
269 Syed Waseem shah Ahmed Shah Male 18
270 Muhammad Khalid Muhammad Siddique Male 24
271 M.Amir Zahoor Ahmed Male 18
272 M.Mujahid Manzoor Ahmed Male 18
273 M.Shehzad M.Tufail Male 19
274 M.Akram Ahmed Baksh Male 18
275 Muhammad Ramzan Ghulam Fareed Male 34
276 Muhammad Luqman Gul Muhammad Male 32
277 Sirfaraz Muhammed Sadeeq Male 18
278 M.Imran Maher Deen Male 22

Final Project Report of Financial Literacy Project 40

2. List of FLCs and Financial Literacy Trainers
S# Name of FLC Union Coucnil Name of Trainer No. of Enrolled Trainees
Male Female Total
1 Basti Sardar Wali Kundi Shahnaz Khan -- 35 35
2 Basti Matman
Wali
Kundi Muhammad
Shahid
38 -- 38
3 Basti Liaquatabad Salsadar Munawar Ali 34 -- 34
4 Basti Gharwalli Salsadar Muhammad Imran
Khan
35 -- 35
5 Basti Balochan Sumra Manzoor-ul-Hasan 30 -- 30
6 Basti Jhoke Wala Sumra Muhammad Tariq -- 40 40
7 Basti Sohanray
Wala
Kamal Pur Jatiyal Uzma Malik -- 36 36
8 Basti Mitti
Chattan
Kamal Pur Jatiyal Malik Kashif 30 -- 30
Total Number of Trainees 167 111 278

Final Project Report of Financial Literacy Project 41

3. Study Plan for Financial Literacy Centers
Session # Topic(s) Day Date
1. Registration of Participants
Introduction of Trainer & Trainees
Introduction of OPI & Financial Literacy
Project
Friday 17-May-2013
2. What is Financial Literacy? Saturday 18-May-2013
3. Importance of Financial Literacy Monday 20-May-2013
4. Financial Literacy for Farmers Tuesday 21-May-2013
5. What is Record Keeping? Wednesday 22-May-2013
6. Definition of Record Keeping Thursday 23-May-2013
7. Component of Record Keeping Friday 24-May-2013
8. Importance of Record Keeping Saturday 25-May-2013
9. Benefits of Record Keeping Monday 27-May-2013
10. Revision of Importance and Benefits of
Record Keeping
Tuesday 28-May-2013
11. Definition of Accounting
Objectives of Accounting
Introduction to Bookkeeping
Wednesday 29-May-2013
12. Things to Remember in Accounting
Persons & Entities to use Accounting
Thursday 30-May-2013
13. Assets
Types of assets
Friday 31-May-2013
14. Double Entry System of Bookkeeping Saturday 01-Jun-2013
15. Definition of Receipt
Benefits of Receipt
Monday 03-Jun-2013
16. Voucher
Definition of Voucher
Cash Book
Tuesday 04-Jun-2013
17. Income & Expense Entries in Cash Book Wednesday 05-Jun-2013
18. Income & Expense Entries in Cash Book Thursday 06-Jun-2013
19. Income & Expense Entries in Cash Book Friday 07-Jun-2013
20. Income & Expense Entries in Cash Book Saturday 08-Jun-2013
21. Ledger Monday 10-Jun-2013
22. How to Use Ledger? Tuesday 11-Jun-2013
23. Practical Exercise of Using Ledger Wednesday 12-Jun-2013
24. Day Book Thursday 13-Jun-2013
25. How to Use Day Book? Friday 14-Jun-2013
26. Practical Exercise of Using Day Book Saturday 15-Jun-2013
27. Books of Accounts Monday 17-Jun-2013
28. Bank
Bank Slip
Cheque Book
Tuesday 18-Jun-2013
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29. Counterfoil and Using it Wednesday 19-Jun-2013
30. Types of Cheques
Open Cheque
Order Cheque
Thursday 20-Jun-2013
31. Types of Cheques
Crossed Cheque
Canceled Cheque
Friday 21-Jun-2013
32. 4 Types of Cheques (Presentations by
Trainees)
Saturday 22-Jun-2013
33. Bank Statement Monday 24-Jun-2013
34. Bank Reconciliation Tuesday 25-Jun-2013
35. Bank Reconciliation Wednesday 26-Jun-2013
36. Accounting Cycle Thursday 27-Jun-2013
37. ATM Card Friday 28-Jun-2013
38. How to Use ATM Card?
Benefits of ATM Card
Saturday 29-Jun-2013
39. Branchless Banking
How to Use Branchless Banking?
Monday 01-Jul-2013
40. Communication
Types of Communication
Tuesday 02-Jul-2013
41. Verbal Communication Wednesday 03-Jul-2013
42. Non-Verbal Communication Thursday 04-Jul-2013
43. Effective Communication Friday 05-Jul-2013
44. Effective Communication Saturday 06-Jul-2013
45. Communication Model
Sender
Receiver
Monday 08-Jul-2013
46. Communication Model
Message
Medium / Channel
Reaction
Tuesday 09-Jul-2013
47. Communication Barriers
Distance
Speed
Wednesday 10-Jul-2013
48. Communication Barriers
Channel / Medium
Listener / Receiver
Thursday 11-Jul-2013
49. Communication Barrier
Sender
Interruption / Noise
Friday 12-Jul-2013
50. Responsibilities of Sender Saturday 13-Jul-2013
51. Responsibilities of Receiver Monday 15-Jul-2013
52. Characteristics of Effective Communication Tuesday 16-Jul-2013
53. Practice of Effective Communication Wednesday 17-Jul-2013
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54. Practice of Effective Communication Thursday 18-Jul-2013
55. Procurement Friday 19-Jul-2013
56. Factors to Influence Procurements
Handling & Shipping
Marginal Benefit
Cost Fluctuations
Saturday 20-Jul-2013
57. Introduction to Procurement Process
Steps of Procurement Process
Monday 22-Jul-2013
58. Steps of Procurement Process
Need Identification
Identification of Vendors
Tuesday 23-Jul-2013
59. Steps of Procurement Process
Contacting Vendor
Negotiation
Wednesday 24-Jul-2013
60. Steps of Procurement Process
Previous Experience with Vendor
Transportation
Thursday 25-Jul-2013
61. Recording Income & Expenditure Friday 26-Jul-2013
62. Recording Income & Expenditure Saturday 27-Jul-2013
63. Recording Income & Expenditure Monday 29-Jul-2013
64. Budgeting Tuesday 30-Jul-2013
65. Budgeting Wednesday 31-Jul-2013
66. Budgeting Thursday 01-Aug-2013
67. Budget Variance Friday 02-Aug-2013
68. Budget Variance Saturday 03-Aug-2013
69. Budget Variance Monday 05-Aug-2013
70. Calculation of Profit & Loss Tuesday 06-Aug-2013
71. Calculation of Profit & Loss Wednesday 07-Aug-2013
72. Calculation of Profit & Loss Monday 12-Aug-2013
73. Overall revision Tuesday 13-Aug-2013
74. Overall revision Thursday 15-Aug-2013
75. Overall revision Friday 16-Aug-2013


Final Project Report of Financial Literacy Project 44

4. Questionnaire for pretest and posttest of trainees

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5. Format for daily logbook of trainees

Final Project Report of Financial Literacy Project 46

6. Format for monitoring of FLCs

Name of Financial Literacy Centre: _________________________________________________
Name of Trainer: ______________________________________________________________
Date & Time of Visit: ____________________________ ______ Status of FLC: Opened / Closed
General Information:
No. of Trainees
Registered Present Absent Unregistered

Was the trainer available on site? Yes / No
What specific activities were going on at the time of visit?
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
Do above mentioned activities correlate with the posted study plan? Yes / No
Observations:
A Observed Available Facilities
1 Toilet facility available? Yes No
2 Safe drinking water source available? Yes No
3 Is there adequate light and ventilation? Yes No
4 Facilities and equipment required for scheduled activities are available Yes No
5 Panaflex banner of Financial Literacy Centre hanged inside the centre Yes No
6 Panaflex banner of Financial Literacy Centre hanged outside the centre Yes No
7 At least 2 panaflex standees of OPI available in the centre. Yes No
8 Is there a notice board available and regularly being used? Yes No
B Observed Physical Environment
1 The space is organized and tidy (e.g. observed swept clean, things put
away in an orderly way)
Yes No
2 There are charts and trainees work displayed on the walls. Yes No
3 Seating arrangements encourage participation/grouping (e.g. not in
school room rows)
Yes No
4 Daily attendance of trainees being maintained regularly Yes No
C Observed Social & Learning Environment
1 Are the trainees participating in learning activities? Yes No
Final Project Report of Financial Literacy Project 47

2 Is group work encouraged and facilitated by the Trainer? Yes No
3 Is there a cooperative atmosphere between the trainees and the
trainer?
Yes No
4 Does the supervisor/facilitator communicate (verbally/nonverbally) to
children in a positive & friendly way (i.e. no shouting, pushing, forcing)?
Yes No
E Observed Management / Communication
1 Do trainees share responsibilities for tasks within the group? Yes No
2 Is the trainer organized when undertaking activities? Yes No
3 Does the trainer communicate in local language? Yes No
F Observed Learning Process
1 Do the activities incorporate local traditions? Yes No
2 Do the trainees have sufficient stationery available for learning
purpose?
Yes No

Best Practices:
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
Areas of Improvement:
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________
Other Suggestions / Remarks:
__________________________________________________________________________________
__________________________________________________________________________________
__________________________________________________________________________________

Name of Monitor: ______________________________________________________________
Designation: _____________________________________________________________________
Signature: ________________________________ Date: _____________________________
Final Project Report of Financial Literacy Project 48

7. Sample media coverage


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