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JazzCash: How Fintech Innovations in Pakistan Reduce Poverty

JazzCashPakistan faces significant economic challenges, with a substantial portion of its population living in poverty. As of 2024, the poverty rate stood at 25.3%, marking a sharp increase from the previous year and adding approximately 13 million people to the impoverished population. Financial exclusion exacerbates this issue, particularly among women. In 2021, only 13% of women had access to formal bank accounts compared to 34% of men, highlighting a significant gender gap in financial inclusion. ​

JazzCash’s Role in Financial Inclusion

With 44.4 million customers, JazzCash stands as one of Pakistan’s largest digital financial services platforms. Launched in 2012 by the Pakistani mobile operator Jazz, JazzCash has played a pivotal role in digitalizing Pakistan’s economy, promoting financial inclusion, expanding economic participation and reducing poverty.

Through partnerships with institutions such as the United Nations (U.N.) Women and the Sindh Flood Emergency Rehabilitation Project, JazzCash has introduced microloans, mobile banking and digital finance solutions that support economic activity and empower underserved communities. By leveraging fintech innovations, JazzCash provides secure, efficient and accessible financial services to millions of Pakistanis who previously lacked access to banking.

Here are four key JazzCash initiatives that demonstrate how fintech innovations in Pakistan reduce poverty through economic growth and financial inclusion:

Empowering Women Through Digital Finance

A 2022 partnership with U.N. Women enabled JazzCash to support 10,000 women micro-entrepreneurs by providing mobile wallets, free SIMs, data, calls and SMS bundles by 2025. In addition to digital tools, the initiative offers financial literacy training, ensuring that women gain the knowledge and confidence to effectively use fintech services for business growth and financial independence. With women making up only 21% of Pakistan’s workforce, increasing their participation in the economy is essential for both gender equality and overall economic growth.

The initiative aligns with U.N. Sustainable Development Goal 5 (Gender Equality) and fosters broader poverty reduction by expanding economic opportunities for women. In November 2024, JazzCash announced plans to expand its reach, setting a target to increase the number of women-led businesses using JazzCash from 100,000 to 300,000 by 2027. By integrating women into the digital economy, JazzCash helps close the financial gender gap and provides greater economic independence for female entrepreneurs.

Supporting Disaster Relief Through Fintech

The Sindh Flood Emergency Rehabilitation Project (SFERP), a collaboration between JazzCash and the Government of Sindh, has helped deliver financial assistance to families affected by the 2022 and 2024 floods. As of May 2024, JazzCash has disbursed PKR 2 billion to flood-affected families, with a goal of reaching PKR 15 billion and assisting 1 million households. Additionally, 80,000 new mobile wallet accounts have been created, ensuring that 45% of account holders are women. Traditional relief programs often rely on cash-based assistance, which can lead to delays, inefficiencies and security risks. By offering direct digital transfers, JazzCash provides a more inclusive, transparent and secure alternative, enabling families to rebuild independently and participate in the economy after disasters.

Expanding Social Protection Through Digital Payments

In February 2024, JazzCash became a key partner in the Benazir Income Support Program (BISP), Pakistan’s largest poverty reduction initiative. BISP provides unconditional cash transfers to underserved communities, including 9 million women, serving as a critical social safety net for Pakistan’s most vulnerable populations. JazzCash’s digital disbursement system ensures secure and efficient delivery of PKR 78 billion in cash payments to 1.3 million women by the end of 2025. By November 2024, JazzCash had already successfully transferred PKR 15 billion, demonstrating the effectiveness of fintech in expanding financial accessibility. Beyond facilitating direct aid, this initiative promotes long-term financial inclusion, encouraging women to open digital bank accounts, save money and engage in economic activities that lead to greater financial independence.

Microfinance and Entrepreneurship

JazzCash continues to promote economic inclusion through microfinance, enabling entrepreneurs and small businesses to access capital, process digital payments and expand their operations. Small business owners, particularly in rural and underserved communities, often face significant barriers to accessing credit and banking services. The organization’s microfinance solutions provide secure and efficient financial services, allowing entrepreneurs to scale their businesses, create jobs and contribute to economic growth.

Looking Ahead: The Future of Fintech in Pakistan

As fintech adoption expands, JazzCash remains committed to bridging financial gaps and empowering underserved communities. CEO Aamir Ibrahim has set a target to increase the female customer base from 30% to 50%, ensuring that women gain equal access to financial tools. With the continued integration of financial services into daily transactions, JazzCash is shaping a more inclusive economy where digital finance drives economic participation and poverty reduction in Pakistan.

Expanding financial literacy programs—such as those introduced through the U.N. Women partnership—could be essential in helping more Pakistanis navigate digital finance effectively. By leveraging fintech for economic empowerment, JazzCash is paving the way for sustainable economic growth and greater financial inclusion across Pakistan.

– Oliver Tanner

Oliver is based in London, UK and focuses on Technology and Politics for The Borgen Project.

Photo: Flickr

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Migration to Pakistan and the Afghan Refugee Crisis

Migration to PakistanPakistan has been a longstanding host to Afghan refugees, providing asylum for over four decades. Migration to Pakistan continues to be a necessity for many Afghans seeking safety and stability.

About Migration to Pakistan

As of October 2024, Pakistan shelters approximately 1.35 million registered Afghan refugees, while the government estimates an additional 600,000 Afghans have entered the country since the Taliban’s return to power in 2021. This influx has placed immense pressure on Pakistan’s economic and social infrastructure, as the country struggles with rising inflation, political instability and security concerns.

Since October 2023, the Pakistani government has tightened its policies, announcing the Illegal Foreigners’ Repatriation Plan (IFRP), which aims to expel undocumented foreigners, primarily targeting Afghan refugees. Nearly 600,000 Afghans have already returned to Afghanistan, fearing arrest or deportation. The situation raises serious humanitarian concerns, as many returnees face poverty, unemployment and insecurity in Afghanistan.

Pakistan’s Role as a Host Country

Pakistan has been one of the largest refugee-hosting countries in the world. Afghan refugees migrated to Pakistan in multiple waves, beginning with the Soviet invasion in 1979, followed by the civil wars of the 1990s, and the U.S.-led war on terror in the 2000s. The most recent crisis emerged after the Taliban’s takeover in 2021, prompting many Afghans—particularly women, journalists and activists—to flee due to threats of persecution.

For decades, migration to Pakistan has been a safe refuge for Afghans escaping conflict and oppression in Afghanistan. Despite its economic struggles, Pakistan has facilitated education, health care and work opportunities for many Afghan refugees. Several international organizations, including the United Nations High Commissioner for Refugees (UNHCR), have collaborated with the Pakistani government under the Solutions Strategy for Afghan Refugees (SSAR) to provide legal protection, assistance and voluntary repatriation programs. Pakistan Poverty Alleviation Fund (PPAF) and the UNHCR launched the UNHCR-PPAF Empowerment Initiative in 2019. This program aims to support Afghan refugees in Pakistan by improving their livelihoods. Since its inception, the initiative has provided vocational training to more than 11,000 refugees and host community members, supported 900 Afghan refugee families through the Poverty Graduation Programme, and helped 2,000 refugee women develop artisanal skills. However, increasing domestic challenges have led Pakistan to reconsider its long-term refugee policies.

Deportation and Legal Complexities

Pakistan is not a signatory to the 1951 Refugee Convention or its 1967 Protocol, which means it has no legal obligation to grant asylum under international refugee law. However, the principle of non-refoulement, a core aspect of international humanitarian law, prohibits states from forcibly returning refugees to a country where they face persecution or harm.

The Pakistani government argues that security conditions in Afghanistan have stabilized, and many refugees do not face a “serious or credible” threat upon return. Additionally, Pakistan’s strained economy and security concerns—including the rise in cross-border terrorism—have contributed to harsher policies against undocumented Afghan nationals. This has led to mass deportations, which human rights organizations, including Amnesty International, have criticized as inhumane and unlawful.

Challenges That Afghan Refugees are Facing

Afghan refugees in Pakistan struggle with economic hardship, discrimination, and legal uncertainty. Many lack official documentation, making it difficult to access formal employment, education and health care. Women and children, in particular, face higher risks of exploitation and poverty.

As negative perceptions regarding refugees in Pakistan become more prevalent, fears of unforeseeable arrests and harassment by police are increasing among the Afghan refugees. Various reports suggest that under the threats of deportation, many refugees left for Afghanistan after selling their possessions at low prices, returning to a life of poverty and insecurity. While inadequacy of basic services in Afghanistan persists, forced repatriation in the absence of sustainable reintegration plans further debilitates Afghanistan’s humanitarian crisis.

International Response and the Way Forward

UNHCR and other humanitarian organizations have questioned Pakistan for its forced expulsion of the Afghan refugees. Voluntary repatriation and long-term integration policies have been the key aspects of UNHCR’s proposals, which offers economic and logistical assistance to both refugees and host populations.

Although the international community, inclusive of European Union and the United States, has partaken in the provision of financial assistance to the Afghan refugees in Pakistan and adjacent nations, the fundraising effort have been insufficient in meeting the actual funding requirements, restraining the success of the humanitarian efforts. In order to address the dire Afghan refugee situation mindfully, a regional scheme incorporating Pakistan, Afghanistan, and the international stakeholders is needed more than ever.

Conclusion

Even though Pakistan is increasingly challenged by its economic and security issues, tackling the Afghan migration to Pakistan situation humanely and diplomatically remains essential for its stability. Afghan refugees are more than uprooted individuals – they possess the skills and resilience to contribute to both their sponsoring nations and their native land.

With investment in education, labor force and legal channels, the regional and international stakeholders will likely be able to provide enduring solutions that improve the conditions of the refugees and the indigenous communities.

– Syeda Khadija Zafar

Syeda is based in Karachi, Sindh, Pakistan and focuses on Business and Technology for The Borgen Project.

Photo: Pixabay

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Pashtun Poverty in Central Asia

Pashtun Poverty in Central AsiaThe Pashtun people are a nomadic ethnic group whose woes continue to escape global conversation. The group of around 60-70 million people continues to face impoverished conditions across Pakistan and Afghanistan, respectively. With a life expectancy of 46 years, these people’s problems cannot be ignored. Ethnic conflicts and the lack of stability in Afghanistan throughout the last decade have drastically reduced the quality of life for Pashtuns.

FATA

Pashtun poverty is directly tied to destabilization and ethnic violence in Central Asia. Previously called “the most dangerous place in the world,” the Federally Administered Tribal Area (FATA) of Pakistan was home to 20% of the world’s Pashtuns. Although absorbed in 2018, FATA was home to blatant and widespread poverty, with 60% of people living below the poverty line.

This area was described as a “legal vacuum” because no neighboring country would assume administrative control. This led to a 33% literacy rate and plagued the area with intense ethnic and religious violence. In 2018, Pakistan merged the areas into Khyber Pakhtunkhwa in the hopes of improving conditions. Most terror attacks occurred in Pashtun areas in 2022, which points to continuing destabilization and a failure to address the conditions.

Drug Trafficking in Afghanistan

Over the border in Afghanistan, the Pashtuns have additionally dealt with decades of conflict and now Taliban rule. Although Pashtun’s relationship with the Taliban is complicated, the Taliban’s ban on narcotic production has disrupted a significant source of income for Pashtun communities. The U.N. estimated that it had affected the lives of nearly 7 million people who relied on growing opium for income.

Farmers were believed to have lost $1.3 billion in 2023 due to the halt in production, while landowners sold their stockpiles at a hiked price. While the production of narcotics is a complex issue, it is an industry upon which millions depend for their livelihoods. Its cessation has likely pushed many into poverty. Many farmers have continued to defy the ban as it’s their only way to avoid hunger and provide for their families.

Education in Pakistan

Although the situation for Pashtuns seems quite dire, great strides have been made for the education of the next generation. The village of Khanozai, in Balochistan, has a successful education scheme with an estimated 98% literacy rate. Although many Pashtun families must face the dilemma between having their children work or attend school, this village has insisted on the education of the next generation.

The Pakistani education activist Malala Yousafzai is actually Pashtun. In 2012, she spoke out against the Taliban in favor of education for girls. This led to an attack on her life. She survived and has become a global face of the movement for the right for a girl to learn. She is the only Pashtun and youngest ever person to win a Nobel Prize laureate.

The Pashtun Trust

The Pashtun Trust is an England-based charity that works to support both the local community and those in Central Asia. The nonprofit’s Khyber Pukhtunkhwa Projects work to alleviate poverty and provide education to people in Pakistan and Afghanistan. In 2019, the Trust managed to build 50 water wells throughout the region to tackle dehydration.

Pashtun poverty in Central Asia is an ongoing issue. However, nonprofit organizations like the Pashtun Trust are committed to improving the conditions of Pashtuns.

– Charley Dennis

Charley is based in London, UK and focuses on Good News and Politics for The Borgen Project.

Photo: Flickr

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Organizations Advancing Menstrual Health Awareness in Pakistan

Menstrual Health Awareness in PakistanPeriod poverty is an ongoing global issue that prohibits millions of girls and women from living their daily lives. Limited access to sanitary products, clean water and sanitation means women, especially those living in developing countries, struggle with their menstrual health and personal hygiene. The impact of this is damaging as it keeps many girls and women from attending school or work.

According to the World Health Organization (WHO), more than 1.5 billion people worldwide are still deprived of access to basic sanitation facilities. Period poverty also arises from the lack of education and proper awareness of one’s menstrual health. Even today, many girls only come to know about menstruation once they experience it. That said, here are three organizations improving menstrual health awareness in Pakistan, as well as equipping them with the tools they need.

HER

HER is a women-headed organization focusing on creating lifelong social change by supporting communities to overcome the menstrual-related obstructions they face. It does this by delivering educational programs such as the “School Puberty Education Program,” which is aimed at educating and providing training to parents and teachers. Hence, they are aware of puberty changes and can create safe spaces for their children.

“Oh my period” is a group run by the organization which allows girls and women to openly talk about everything related to menstruation and provides the opportunity for young people to learn from one another’s experiences. HER also encourages policy change, hoping to end poverty and reduce the stigma around menstruation by advocating for menstrual equity. The organization has served 38,000 periods, impacting more than 110,000 people.

Santex

Santex is a well-known pioneer in the personal hygiene brand. Founded in 1983, it began as a family-led business focusing on providing a healthy lifestyle for everyone, irrespective of their socioeconomic background. It aims to develop innovative and unique sanitary products to serve women from all corners of Pakistan. One of its leading products, “Butterfly” sanitary pads, was the first “stick-on” menstruation product in Pakistan. In Santex’s own words, it is “the only company to introduce breathable sanitary napkins and panty liners in Pakistan that allows women to breeze through puberty and periods.”

The organization aims to remove taboos relating to menstruation and raise awareness about personal hygiene. In 2022, Santex joined hands with the United Nations Children’s Fund (UNICEF) to continue the discussion of period poverty and barriers women face due to a lack of menstrual health awareness. Both organizations have committed to developing innovative research that will provide high-quality and safe menstrual products for women. Santex has served more than one million periods and trained 184,867 women regarding menstrual health.

Aahung

Aahung, a nonprofit organization founded in Karachi in 1995, aims to spread awareness and improve the sexual and reproductive health and rights (SRHR) of women, men and youths across Pakistan. The organization focuses on empowering and educating young girls and women about their reproductive health rights. This is achieved by disseminating information and ensuring high-quality access to health care facilities. Aahung collaborates with educational institutions and workplace structures to deliver training to people through its various programs.

In 2022, the organization reached 73,645 people, trained 75 schoolteachers and held 40 training sessions to educate parents about SRHR. When catastrophic floods hit Sindh in 2022, Aahung worked to ensure young girls and women facing menstrual issues during the crisis were not abandoned. The organization distributed 300 menstrual kits containing essential sanitary products, soap and other personal hygiene items. It also held informational sessions where women could openly discuss menstruation-related issues and receive needed support.

Final Thoughts

The stigma around a woman’s period remains widespread and is a primary cause of period poverty in developing nations. However, the organizations mentioned above are making significant progress in reducing the taboo surrounding women’s bodies and health. Their work will continue to improve menstrual health awareness in Pakistan, to the benefit of many women across the country.

– Aleena Shahid

Aleena is based in Bradford, UK and focuses on Good News for The Borgen Project.

Photo: Flickr

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Child Labor in Pakistan: From Factories to Classrooms

child labor in pakistanIn 2021, Pakistan made minimal progress in combating the worst forms of child labor, despite some positive legislative efforts. Key developments included the passage of laws in Balochistan prohibiting hazardous work for children under 14, banning corporal punishment of children, and establishing special courts dedicated to child protection. Moreover, the Federal Investigative Authority trained law enforcement agencies, and more than 1,000 children were rescued from begging in Punjab. However, Pakistan’s advancement remained minimal due to practices that hindered significant progress.

To address this issue, vocational training programs are trying to reduce child labor in Pakistan. These programs focus on equipping children with practical, market-driven skills to enhance their employability as they transition into adulthood. Training in various fields allows these children to acquire skills that are in high demand, giving them a chance to secure stable, better-paying jobs.

Vocational Training Reducing Child Labor in Pakistan

The Prime Minister’s Youth Skill Development Program (PMYSDP) plays a pivotal role in providing vocational training opportunities for Pakistan’s youth. By focusing on both high-tech and conventional skills, the program equips young people with market-driven expertise, enabling them to transition from exploitative labor conditions into stable and dignified employment. Through these efforts, PMYSDP could not only help curb child labor in Pakistan but also empower young individuals to improve their socio-economic standing and contribute to the future development of Pakistan.

The Pakistan Bait-ul-Mal School for Rehabilitation of Child Labor, established in 1995, aims to remove children aged 5-14 from hazardous labor and provide them with free education, clothing and a stipend, along with subsistence support for their families. With 159 centers across the country, the program currently benefits 17,871 students. The program helps children from industries like brick kilns, mining and agriculture enroll in schools and receive primary education over four years, with opportunities for higher education.

The joint projects on eliminating child labor in Pakistan have implemented successful strategies, including the use of a unified non-formal education curriculum across districts for consistency and scalability. Furthermore, collaborating with government partners and using the Supporting Children’s Rights through Education, the Arts, and the Media (SCREAM) initiative for teacher training has fostered ownership and improved program delivery. A key achievement is extending pre-vocational and vocational training to working children, including those under 12 and their mothers, offering alternatives to child labor. Involving mothers has empowered them and strengthened their commitment to ensuring their children attend training programs regularly.

Making a Change

In conclusion, Pakistan is making progress in the fight against child labor through education, skills training and empowering families. Programs like the Prime Minister’s Youth Skill Development Program and Pakistan Bait-ul-Mal are giving children the tools to break free from exploitative work and build brighter futures. Indeed with continued commitment to enforcement and support for vocational training, Pakistan can create lasting change, transforming the lives of its youth and unlocking their potential for a better tomorrow.

– Aneela Agha

Aneela is based in Dubai, United Arab Emirates and focuses on Technology and Global Health for The Borgen Project.

Photo: Flickr

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5 Effects of Water Pollution in Pakistan

5 Effects of Water Pollution in PakistanCurrently, more than 21 million Pakistanis face a water sanitation crisis affecting the entire country. Major cities like Karachi and Lahore struggle to provide access to clean and safe drinking water. The situation is even more dire in rural villages that lack modern systems and adequate health care. The Pakistan Council of Research in Water Resources predicts that by 2025, the country will face extreme water shortages. Large-scale industrialization has contaminated many essential water sources, benefiting the economy but causing unchecked environmental damage. The pollution introduces high levels of chemical and biological toxins into the water. Understanding the top five effects of water pollution in Pakistan could help quantify the challenges faced by the population.

5 Effects of Water Pollution in Pakistan

  1. Waterborne Diseases. The outdated water distribution network in Pakistan, located near many industrial plants and sewage systems, introduces numerous toxins into the drinking water. Bacteria such as E-coli and Salmonella, when ingested, can be detrimental to health, leading to diseases such as typhoid, intestinal worms and cryptosporidium infections, which account for more than 40% of communicable diseases in Pakistan. Widespread poverty exacerbates the effects of these diseases, as many Pakistanis cannot afford the necessary medications.
  2. Infant Mortality.  The infant mortality rate in Pakistan is among the highest in developing nations, with water pollution playing a significant role due to the vulnerability of infants to harmful bacteria and fecal matter. According to UNICEF, only 35.8% of the Pakistani population has access to clean drinking water. Exposure to toxic bacteria during pregnancy and early childhood can lead to birth defects and early onset of severe diseases, both of which significantly increase the risk of infant mortality, especially given the limited access to medical care for many families.
  3. Agricultural Damage. Man-made agricultural fertilizers are a significant source of water pollution, which poses severe challenges to Pakistan’s agricultural sector. Given the country’s predominantly dry and hot climate, manufactured water sources are crucial for the survival of many farms. Additionally, small family-owned farms in numerous villages depend entirely on agricultural profits for their livelihood. The broader population also relies heavily on this produce for sustenance. Contaminated water, which harms more than it helps the plants, forces farmers to use scarce freshwater supplies. This situation creates substantial economic and social impacts due to the limited availability of clean water.
  4. Contaminated Food Products. Contaminated food products often result from crops irrigated with impure water. Livestock exposure to polluted water, contamination in marine waters and the use of pesticides and fertilizers further toxify essential resources. Without access to healthy, clean food for consumption and sale, many populations face starvation and life-threatening diseases.
  5. Decreased Biodiversity. Water pollution destroys numerous habitats, including lakes, rivers and ponds. Pollution renders them unable to support aquatic life due to chemical contamination and nutrient depletion. This disrupts food chains as smaller, less chemically resistant organisms die off, impacting species that rely on them for sustenance. Additionally, eutrophication, spurred by excessive nitrogen and phosphorus, triggers algae blooms that further degrade marine ecosystems by limiting sunlight and reducing energy available to aquatic species.

The Paani Project

The Paani Project, headquartered in Ann Arbor, Michigan, is actively enhancing water quality in Pakistan. Founded by four Pakistani Americans seeking to address the water crisis, the nonprofit has developed more than 20,000 water systems since its inception. Additional projects include deepwater wells, solar wells and reverse osmosis plants. As of June 2024, Paani collaborates closely with local partners to identify the most suitable water solutions for each rural community, maximizing the impact of donations. The organization emphasizes transparency, providing donors with approximately 30 photos of the construction process, a video of the completed water system and a comprehensive water quality report.

Looking Ahead

Pakistan’s water crisis poses significant challenges, from waterborne diseases to agricultural damage, impacting millions of lives. Efforts by organizations like the Paani Project offer hope. Their tailored water solutions work to improve access and quality across the country. With a focus on addressing the immediate needs of affected communities, these ongoing initiatives contribute to mitigating the long-term effects of water pollution and ensuring a more sustainable future for Pakistan.

– Sophia Kharal

Sophia is based in San Jose, CA, USA and focuses on Global Health for The Borgen Project.

Photo: Pexels

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Improving Conditions for Children with Disabilities in Pakistan

children with disabilities in pakistan
Internal and external conflicts have clouded Pakistan’s current climate. Recorded as of 2023, Pakistan’s political, economic and social crises have taken a toll on the state. Food insecurity and the increase of inflation have led to an outcry of suffering Pakistani people. According to the World Report 2024, the prison system is a breeding ground for the mistreatment of Pakistani people who seek mental health support. Additionally, children with disabilities are facing challenges in Pakistan. Here is what Family Network is doing to help children with disabilities in Pakistan.

Children With Disabilities in Pakistan

The BMC Health Services Research reports that “children with disabilities make up around 150 million of the billion people with disabilities in the world.”  Furthermore, the research articulated a big concern among sub-Saharan Africans who are concerned about their children being treated badly by others in the community, causing them to hide or not seek proper treatment for their children. These stigmas exist everywhere, including the Western world, and they harm children with developmental needs by neglecting their ability to have access to the special care they need. Oftentimes, developmental disabilities affect a child’s cognitive growth, potentially hindering the development of their nervous system, behavior and motor skills. Moreover, certain Mexican, Haitian and Latin American cultures may see a disability (physical or intellectual) as a curse, further ostracizing children with additional needs and developmental disorders.

Oftentimes children with disabilities experience neglect in their formative years due to a lack of resources. This issue is ever present in Pakistan as it is riddled with all sorts of conflict. Children who have additional needs often develop at a slower rate than their peers (talking, walking, sitting later than their peers).

Developmental disorders can cause society to ostracize these children as they are unable to conform to societal norms. This can be a burden to these Pakistani parents in rural lower class areas as the children with disabilities may not be able to take care of themselves, placing the pressure on an extremely codependent relationship between parent and child (including but not limited to; not knowing when danger is prevalent, being unable to function by themselves/without a parent present). According to FaNs “Over 6% of children in Pakistan have developmental disorders” Treatment is oftentimes consolidated in urban areas, leaving the rural Pakistani children with these developmental disorders to suffer.

The Family Network for Kids

 The Family Network for Kids (FaNs) has committed to bettering life for the children of Pakistan, primarily those with disabilities. FaNs is an organization and supportive network that uses technology to aid people in rural Pakistan who have a child with disabilities (developmental disorders) to provide sufficient care. Using mhGAP tech, FaNs is training families through interactive technology to educate and equip society/families to cater and care for children with disabilities.

Roleplay technology that plays scenarios through three animated children who teach the dismantling of stigma, as well as allow parents to practice parental management and problem-solving skills. Once a family passes the training, they become champions who will then further equip their communities with the skills to care for children through a peer-supervised group focused on building community. These champions have monthly check-ins with health specialists, keeping the program in order while pursuing the self-sustenance of the champion families. Implemented in Rawalpindi Pakistan, roughly 70 trained families, 36 of those being trained “family volunteers” who do further diligence to the community as they are training 270 families to properly care for their children.

Looking Ahead

Every child dreams and deserves to be understood regardless of their circumstance. FaNs is working to ensure that every child with a disability in Pakistan has the support system to do so. Cultural stigmas contribute to the exclusion of children with developmental disabilities being shunned from society. By doing the work to abolish cultural stigma, the Family Network for Kids is making rural Pakistan a safe space for kids who are normally ignored and taught to suppress themselves. By giving children the space to be themselves, the world becomes a place filled with authentic adults who can focus on bringing change to the world instead of changing themselves for the world.

– Petralyn Yeboah-Manson

Petralyn is based in New Jersey, USA and focuses on World News for The Borgen Project.

Photo: Flickr

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Poverty in Pakistan: Ongoing Reduction Efforts

Poverty in PakistanAffected by political turmoil, Pakistan has faced numerous socioeconomic challenges. By 2018, these issues culminated in record levels of poverty, with more than 39% of Pakistan living below the poverty line. Amid widespread unemployment, the government has also grappled with nutritional poverty, particularly affecting the youth. This has led to significant issues, such as nationwide stunting in growth, which is directly linked to these dietary deficiencies. Here are some of the initiatives that are tackling these problems:

Prime Minister’s Youth Skill Development Program

This initiative, led by Prime Minister Shehbaz Sharif, offers vocational training in various industries, helping young people haul themselves out of poverty and find work. With more than 25,000 youths trained nationwide, the program has played a crucial role in decreasing national poverty. Most notably, the focal point concentrating on an intake of 35% girls has ensured that the marginalized remain a focus. Ultimately, these efforts have contributed to the limitation of poverty and increased job prospects among the youth.

The Sehat Sahulat Program

Initially launched in 2015, the Sehat Sahulat Program is a social health insurance initiative providing free health care services for Pakistan’s underprivileged groups. As a result of the program, the most disadvantaged are supported by free health care. The initiative covers a range of conditions, including cancer and diabetes. Ultimately, the scheme provides financial protection and access to sustainable, quality health care to those most in need.

UNICEF Nutrition Counseling

With more than a third of children suffering from severe food poverty, the country faces an endemic in which its young are at a heightened risk of malnutrition and an unbalanced, scarce diet. The United Nations Children’s Fund’s (UNICEF) initiative develops cooking demonstrations tailored to new and soon-to-be mothers, ensuring their children can be fed and energized correctly.

Alongside nutritional education, the sessions aim to educate women about the importance of hygiene and its strict relationship with food, with a particular emphasis placed on washing hands before and after preparing food. This focus has been adopted worldwide and in 2022, UNICEF counseling reached 79.3 million people globally.

Combat Against Nationwide Stunting

In Pakistan, more than 40% of children younger than 5 are stunted. A product of long-term malnutrition, stunting “impairs cognitive and physical development, which in turn impacts a child’s potential and productivity.’’ With a large proportion of pregnant women living below the poverty line, many children experience stunted growth in the womb due to their mothers’ poor diet, leading to inhibited development.

The government has launched several initiatives to fight malnutrition to address this issue, with the Ehsaas Nashonuma Program being the most prominent. The program provides nutritional education and cash transfers to pregnant or nursing women. The quarterly stipend is about $5 for mothers and boys and $7 for girls. Nongovernmental organizations (NGOs) have also played a crucial role in the fight against stunting. Water, Sanitation and Hygiene Services (WASH) initiatives have thrived with the support of NGOs like HANDS. In 2022-23, HANDS conducted 16 WASH projects in 34 districts and nearly 2,000 villages in Pakistan, benefiting more than 1.8 million people.

Nutritional awareness is fundamental to the resurgence of the health of the next generation in Pakistan, pulling them out of poverty. The government has guaranteed that various schemes are in place to tackle widespread poverty. Additionally, it has ensured that the health and hygiene of the population of Pakistan are also addressed. It’s both transparent and reassuring that while the government recognizes this importance, various NGOs share the same concern.

– Jonny Wilkinson

Jonny is based in London, UK and focuses on Global Health for The Borgen Project.

Photo: Pexels

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The Ehsaas Program: Empowering Women and Fighting Poverty

The Ehsaas ProgramThe Ehsaas Program, launched by the Government of Pakistan, has become one of the world’s most recognized social protection initiatives. Ehsaas is a word in the Urdu language meaning “to feel,” representing empathy and a commitment to helping those in need. It is the Government of Pakistan’s comprehensive initiative to tackle poverty and inequality. Launched to mitigate the socioeconomic fallout of the COVID-19 pandemic, Ehsaas has provided financial relief to millions of vulnerable households, particularly women, through direct cash transfers. The program, led by Dr. Sania Nishtar (currently serving as the CEO of GAVI, the Vaccine Alliance), continues to be a model for innovative and scalable poverty alleviation.

Global Recognition and Impact

In a 2021 report by the World Bank, Pakistan’s Ehsaas Emergency Cash Program was highlighted for its remarkable reach, ranking fourth globally in terms of the number of people covered and third in terms of the percentage of the population served. The Ehsaas Emergency Cash initiative disbursed stipends of PKR 12,000 ($48) to nearly 15 million households, benefiting more than 100 million people—almost half of Pakistan’s population. The World Bank praised the program for its rapid rollout and extensive coverage, calling it one of the most impressive large-scale social protection measures worldwide.

Economic Empowerment Through Targeted Initiatives

A significant aspect of the Ehsaas Program is its emphasis on women’s empowerment. More than 50% of its initiatives focus on providing financial security to women. By targeting women for poverty alleviation and supporting the United Nations (U.N.) SDG 5 on gender equality, Ehsaas is empowering women economically and socially.

The Ehsaas Kafaalat Program provides direct cash transfers to low-income women, ensuring that they have the financial support needed for necessities such as food, health care and education. Women have been the focal point of the Ehsaas Interest-Free Loan Scheme, which enables them to start small businesses and gain financial independence. Nishtar highlighted how the empowerment of women is beneficial for society and the economy and that the “government is determined to lift seven million poorest women in Pakistan out of poverty and help them achieve their potential.”

Promoting Sustainable Livelihoods

The Ehsaas Aamdan Program provides sustainable assets such as sewing machines, shops, livestock and vehicles to help individuals generate long-term income. This asset-based approach empowers women to contribute to their families’ economic stability while fostering entrepreneurship at the grassroots level.

Similarly, the Ehsaas Nashonuma Program promotes gender-sensitive financial support for nutrition. Families receive $7.18 for girls and $5.39 for boys younger than 2 years of age, which not only provides vital nutrition for children but also encourages a shift in societal attitudes toward gender equality. By offering higher financial incentives for female children, the program aims to combat cultural practices like female feticide and emphasize the value of female children.

Final Remark

Ehsaas’ implementation provides valuable lessons for other nations, especially in light of the recent crises that have highlighted the need to redefine the role of the welfare state. This presents a unique chance to create a pivotal moment in advancing global social welfare. Moreover, its emphasis on gender equality mirrors the development strategies of economically advanced countries, which have leveraged the potential of their female populations to achieve sustainable growth.

This realization is paving the way for Pakistan’s future economic, social and political development, with women playing a crucial role in these advancements. By empowering women, the Ehsaas Program is driving Pakistan closer to achieving its national development goals while addressing the pressing issues of poverty and inequality.

– Irtija Ahmad

Irtija is based in Slough, UK and focuses on Global Health for The Borgen Project.

Photo: Wikimedia Commons

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Khilo aur Barho: Education Initiative in Pakistan

Khilo aur Barho: Education Initiative in Pakistan The Khilo aur Barho initiative, translating to “Grow and Flourish,” aims to transform education for girls and out-of-school children in Pakistan. The British High Commission (BHC) launched this program as part of the Girls and Out of School Children: Action for Learning (GOAL) initiative. The initiative addresses educational access and quality in the provinces of Khyber Pakhtunkhwa (KP) and Punjab. Targeting children aged 5 to 16, this five-year program, which began in January 2023, strives to expand educational opportunities by enhancing the quality of teaching and learning outcomes. With a budget of up to £20 million, Khilo aur Barho aims to enroll at least 100,000 children in school. Additionally, the aim is to ensure that an additional 150,000 girls can read by the age of 10.

British Foreign Aid Allocation

In the 2023/24 fiscal year, the Foreign, Commonwealth and Development Office (FCDO) allocated £41.54 million in official development aid (ODA) to Pakistan. Furthermore, current plans are to increase this amount to £133 million in 2024/25. The aid strategically focuses on education, support for women and girls, humanitarian efforts and climate change initiatives. Programs like GOAL have already had a positive impact on millions of children.

Educational Challenges in Pakistan

Despite some progress in recent years, Pakistan’s education system still faces significant challenges. Both government and private schools struggle to provide quality education. A nongovernmental organization focused on women’s rights in Punjab attributes the state’s historic neglect of education to insufficient resource allocation and lack of budget prioritization. This situation highlights widespread governance failures that compromise educational standards and perpetuate public distrust in the system. Reports indicate problems such as absentee teachers, bribery for teaching positions and inadequate government oversight in private schools, all of which further exacerbate the educational crisis.

The COVID-19 pandemic has exacerbated educational challenges, resulting in 26.2 million children out of school by 2024. Girls face disproportionate effects, with only 64% in Punjab and 54% in KP ever attending school. Systemic deficiencies and socio-cultural barriers compound these ongoing challenges, as families in impoverished areas often prioritize boys’ education due to financial constraints and traditional gender roles. High education costs, including fees and related expenses, frequently push girls into labor or early marriage.

Strategies for Educational Reform

Khilo aur Barho’s approach to improve educational outcomes:

  1. Foundational Learning. The program employs accelerated and alternative learning programs (ALPs) providing access to education for marginalized, over-age and out-of-school children, enabling them to enrol in mainstream schools or gain educational certification.
  2. Reading and Maths Skills. Direct interventions aim to enhance literacy and numeracy among children, with monitoring and evaluation mechanisms in place to measure progress.
  3. School Safety and Inclusivity. Efforts to promote school safety and inclusivity involve sensitizing school administrations, parent-teacher councils, teachers and students to safeguarding principles and addressing issues such as violence, bullying and corporal punishment. Training initiatives for school stakeholders aim to foster a culture f safety and tolerance, utilizing positive storytelling, media interventions and inclusive pedagogy to cultivate empathy and build tolerance across communities.
  4. Community and Parental Engagement. Engaging communities and parents is crucial for boosting enrolment and retention rates. This includes addressing home and environmental factors that impact learning, such as lead poisoning. By involving communities in educational initiatives, Khilo aur Barho ensures that children are supported academically, emotionally and socially. This approach aims for the program’s sustainability beyond its initial funding period.
  5. Support for Marginalised Groups. The program targets marginalized children, including those with disabilities, religious minorities and girls. They provide specialized support to ensure their inclusion in the education system.

Looking Ahead

The Khilo aur Barho initiative is making strides toward addressing educational disparities in Pakistan. With the goal of enrolling 100,000 children in school and ensuring that 150,000 girls can read by age 10, this program focuses on improving access to education in Khyber Pakhtunkhwa and Punjab. By targeting marginalized groups and enhancing teaching quality, the initiative aims to create lasting change in the educational landscape of Pakistan.

– Georgia O’Keeffe

Georgia is based in Wiltshire, UK and focuses on Technology and Politics for The Borgen Project.

Photo: Flickr