|Brief History||Country Program||Area of Operations||Partners|
|Poverty Focus||Distinctive Features||Funding||Sources|
Swiss Agency for Development and Cooperation was established in 1961. It is
solely funded and operated by the Swiss Government through the Swiss Foreign
Ministry. Since 1966, SDC has had bilateral links with Pakistan that remain
Pakistan, SDC’s overall gall is to “effectively strengthen potentials and
opportunities with dedicated and professional Pakistani partners in selected
areas to improve the living conditions of disadvantaged groups of society”. In
the MSE (Micro and Small Enterprises) sector, SDC’s overall goal is “to
improve the profitability, competitiveness and the productivity of a better
organized MSE sector with a specific focus on women entrepreneurs.”
development agency has a long-standing experience in supporting microfinance and
non-financial services in Pakistan. Key interventions in this field were the
Small Scale Enterprise Promotion (SSEP), Community Services Programme (CSP) and the
Civil Society Human and Institutional Development Programme (CHIP). SDC also
supported the development of microfinance programs run by commercial banks
(First Women Bank, Bank of Khyber) and other microfinance providers (Orangi,
Kashf, Thardeep), while encouraging the development of a conducive regulatory
framework through its partnership with the State Bank of Pakistan.
Pakistan SDC concentrates on three basic tenants of development:
of micro enterprises through finance and vocational education.
to sustainable practices regarding the use of natural resources.
of human rights and education, with emphasis placed upon the education of
women and girls.
stated objectives in the MSE sector are focused on:
1) Financial services
aims to contribute to the development of an appropriate demand-oriented
financial services system that provides services to MSEs. It includes three main
Leasing to Small and Micro Scale Enterprises Program (LMSE). This project aims to increase earning and employment in the MSE sector in NWFP and Northern Areas through access to leasing services.
State Bank Partnership for Microfinance (SBPM) has for objective to enhance the State Bank’s supervisory capacities in microfinance.
Financial Sector Strengthening Programme (FSSP). The overall goal of the programme is to assist the Microfinance Sector in providing services to MSEs and the disadvantaged poor on a sustainable basis. The main objectives are to:
(a) Develop human and institutional capacity of all types of microfinance institutions for efficient delivery of microfinance services;
(b) Build the capacity of local expertise providers for increasing the resource base, supporting market oriented approaches; and
(c) Support the creation of enabling environment for the growth of the microfinance sector by promoting and supporting coordination among the stakeholders.
aims to enhance the entrepreneurial, managerial and technical skills of MSEs
through market-based demand, with a specific focus on income generation and
organizational-strengthening. It supports entrepreneurship and skills
development of women and other disadvantaged groups for income enhancement
through traditional craft and self-employment creation.
operates nationwide but gives a strong focus on the North-West Frontier Province
(NWSP) and Northern areas.
works with the following partners:
Local and national non-governmental organizations and public
United Nations agencies such as the United Nations Development Program (UNDP),
the United Nations Children's Fund (UNICEF), the International Labor
Organization (ILO) and the International Union for Conservation of Nature (UICN);
International financial institutions such as the World Bank and the Asian
The government of Northwest Frontier Province and to some extent the
national government as well the State Bank of Pakistan.
Commercial banks and leasing companies. In the recent past, SDC has
supported the First Women Bank and the Bank of Khyber. Partnerships are
currently implemented with Network Leasing and Orix Leasing.
Other donors: SDC has reactivated a MSE Donor dialogue focusing
on microfinance and improving
coordination among donors.
involvement in the MSE sector includes a strong focus on developing the
contribution of MSEs to poverty alleviation through market-oriented employment,
self-employment and income generation in a sustainable way.
takes a systemic approach to poverty alleviation, focusing on a complex
interplay of poverty dimensions, it uses a flexible program design combined with
a defined benchmarks and monitoring framework.
funding commitments to Pakistan equal 14.5 CHF million a year.
‘A Presentation Paper on Forms of Regional Cooperation in Micro
Finance, the SDC involvement in Pakistan’, by Ayesha Khan, Programme
Officer, SDC, paper presented at the BWTP workshop on 29 January 2004
SDC web site: www.deza.admin.ch
SDC Pakistan web site: www.sdcpakistan.org
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