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Urban Poverty Alleviation Programme

The Urban Poverty Alleviation programme was established in 1996, to provide affordable micro-credit for income enhancement. UPAP's clients are economically marginal women and men who have no means of entering the formal credit market. Many are indebted to moneylenders who charge exorbitant rates of interest.

The monthly per capita income of UPAP clients taking a loan for the first time is very low. 13% earn Rs 500 or less, 48% earn between Rs 501 and 1,000; 26% earn Rs 1001 to Rs 1500 and 9% earn between Rs 1501 and Rs 2000. Only 4% of the clients earn more than Rs 2000 per month.

The number of borrowers who have taken successive loans (i.e. repaid a loan and taken another loan) from UPAP is increasing over time. This demonstrates that clients feel that they are benefiting from the credit and that UPAP is integrating its work in current settlements.

In 2002-3, UPAP expanded within Rawalpindi/Islamabad and opened new offices in Faisalabad and Karachi. Although the majority of clients are women, it is understood that in many cases, male family members utilise the loans. This is acceptable to UPAP so long as the loan is used for income generation that benefits the family.

 

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Urban Poverty Alleviation ProgrammeTop

  UPAP Disbursement and Recovery Data as of July 2005

Rawalpindi/ Islamabad

Faisalabad

Karachi

Multan

Total

Number of Groups

            5,473

3,507

1,621

462

11,063

Number of Members

20,825

11,470

5,240

1,388

38,923

Number of Credit Cases

39,551

17,891

7,368

1,395

66,205

Amount Disbursed (Rs.)

423,153,569

170,208,000

70,814,500

13,432,000

677,608,069

Amount Recovered (Rs.)

380,825,568

133,198,173

51,493,970

5,293,710

570,811,421

Principal Recovered (Rs.)

342,443,211

114,665,963

44,200,289

4,462,228

505,771,691

Service Charge Recovered (Rs.)

38,319,501

18,528,275

7,290,163

831,476

64,969,415

Excess recovered (Rs.)

62,856

3,935

3,518

6

70,315

Principal Balance (Rs.)

80,710,358

55,542,037

26,614,211

8,969,772

171,836,378

Current Cases

11,587

9,459

4,250

1,337

26,633

Closed Cases

27,964

8,432

3,118

58

39,572

Expired Cases

54

0

0

0

54

Cumulative Recovery Rate

99.94%

100%

100%

100%

100%

On-time Collection Rate

99.99%

100%

100%

100%

100%

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  Copyright 2005 - National Rural Support Programme | Last updated 1st June, 2009