BOK
Insaf Rozgar Scheme
Body

Target Groups:

Potential Economic Activities for New and Existing Livelihoods:

  • Dairy, Livestock, Poultry, Aquaculture, Sericulture, Apiculture, Horticulture(Cattles per household’s capacity & economic viability to support their livelihood)
  • Agricultural related off-farming businesses (value-chains)
  • Movable fruit / vegetable / maize cart vendors
  • Beauticians
  • Retailors / Small scale traders
  • Hair Dressing
  • Laundry / Dry cleaning
  • Brass / Copper Work
  • Pottery
  • Sole Making/Footwear
  • Maizery (Hemp) work
  • Metal work
  • Khaddar / Khaddi Cloth making
  • Wax Printing
  • Calligraphy
  • Truck Art
  • Musical Instruments Making / Instrumentalists
  • Tailors
  • Transport related services (Taxi/Rickshaw/Auto Spare Parts etc.)
  • Tire repair / Puncture shops
  • Mobile repair / Computer hardware repair / Software repair / Printing / Photocopying etc.
  • Services such as handloom weaving and garments etc.
  • Gems
  • Small Scale Artisans (Mining Marble & Onexy Handicrafts)
  • Allied services to promote tourism
  • Professional graduates with viable micro scale enterprising ideas.

Other micro scale enterprising idea with economic viability & sustainability potential.

Professionally Potential Economic Activities for New & Existing Entrepreneurs:

  • Doctors, Engineers, Graduate / New entrant cohorts from technical colleges. TEVT centers, vocational centers.
  • Professional graduates with viable micro scale enterprising ideas
  • Disable persons with skills certification from Special Skills Institutes
  • Agricultural related businesses (off-farming)
  • Beauticians
  • Small Scale Artisans (Mining Marble & Onexy Handicrafts)
  • Light Engineering Services
  • Electricians / Electronics
  • Technicians / Mechanics / Plumbers
  • Medical related business
  • Photography & filmmaking
  • Furniture / Wood Carving
  • Handicrafts / Garments stitching / Embroidery/ Dying or other related skills.
  • Small Scale Artisanal Workers
  • Skilled women’s home based enterprises

Other skill based micro scale enterprising idea with economic viability & sustainability potential.

Salient Features:

General Eligibility Criteria

  • A permanent resident of Newly Merged Districts of Khyber Pukhtunkhwa.
  • Having a valid Computerized National Identity Card.
  • Applicant shall be the resident on the provided address for at least two years.
  • Age Limit: 18-50.
  • Potential beneficiary should have a do-able business idea relevant to the skills.
  • Potential beneficiary, who intend to start up or support their viable and sustainable micro scale enterprises at NMAs.
  • Preference will be given to pass out candidates from skilled GoKP development programs or its affiliated institutes. 
  • Female entrepreneurs (including widows)
  • Unemployed individuals (labor workforce).
  • Small traders.
  • Artisans.
  • New skilled entrants or trainees from skilled institutes and vocational centers having no financial resources to start micro scale enterprising.
  • Small scale entrepreneurs who are engaged in manufacturing, handicrafts and   garments etc.
  • Other economically viable micro scale enterprising ideas or support.
  • Business shall be of legal entity.

Scheme objectives:

  • Socio-economic Development.
  • To Combat Poverty and Reduce unemployment.
  • Develop entrepreneurial culture.
  • Overall social & financial inclusion of the disadvantaged segments of the newly merged districts through access to finance.

In-Eligibility

  • Not an employee of any Government or Semi-Government or Autonomous body.
  • Not a regular student
  • The applicant must not have any outstanding loan exposure from any other Government’s/ Donors Scheme or Banks and having clean e-CIB.
  • Not availed loan under BKKRS/ PHRS/ RHRS/ KKS/ YCF/ Wasila-e-Haq facility through Benazir Income Support Program, NRSP/ SRSP.

Loan Size

  • Professionally Educated and skilled:
        Loan Amount:  Max. Rs. 1.0M per client according to business plan.
  • Skilled (Informal/ Semi-informal) individuals:
        Loan Amount:       Max. Rs. 0.500 m per client according to business plan.
  • Women 
        Skilled women:
         Max. Rs. 1.00M depending on business plan viability.
        General/Informal: Max Rs. 0.300M depending on business viability.
  • Others
        Loan Amount: Rs. 50,000/- up to Rs. 300,000/-

Start-up/ Existing having enterprise skills. The loan size ascertainment is subject to assessment of business plan/idea according to prudent banking practices.

Post-Approval Stage

  • Agreement of Finance.
  • Demand Promissory Note.
  • Personal Guarantee.
  • Any necessary document (where required).

Security

  • Two PGs, at least one guarantor must be a Govt. employee of BPS 07 or above.

Repayment

  • 03 Years inclusive of 03 months’ grace period (for new enterprises only).

Required Documents

Pre-Approval Stage

  • Duly filled in application form
  • Copy of valid CNIC of applicant & guarantor (e-NADRA Verification)
  • Two passport size photographs of applicant and guarantors.
  • Attested copy of Degree, Diploma or Skill Certification from any recognized institute (where applicable).
  • Government guarantor salary slip.
  • Letter of Comfort from concerned department clearly mentioning BPS for government guarantor.
  • Documentary proof of private guarantor’s Income along with undertaking on stamp paper.

Please note that Insaf Rozgar Scheme has been launched in all newly merged Districts & FR regions of KP and forms can been submitted in below mentioned Area offices/BOK Branches respectively.

S. No

Station

Area office

BOK operating branch

1

Bajaur District

----------

IBB Khaar Branch

2

Mohmand District

DC office Ghalanai

Shabqadar Branch

3

Khyber District

----------

Jamrud Branch

4

Orakzai District

AC office Kalaya

Sherkot Branch

5

Kuram District

----------

Parachinar Branch
Sadda Branch

6

North Waziristan 

AC/DC office Miran Shah

Bannu Branch (Con)

7

South Waziristan

AC/DC office Wana

IBB Tank Branch

8

FR Peshawar

----------

Ring Rd Qarhi Qamar Din

9

FR Kohat

----------

Dara Adam Khel Branch

10

FR Bannu

----------

Bannu Branch (Con)

11

FR Lakki Marwat

----------

IBB Lakki Marwat Branch

12

FR Tank

----------

IBB Tank Branch

13

FR D.I Khan

----------

IBB D.I.Khan Branch

In case of any query please contact on the following numbers: 091-5254018, 091-5284245, 091-5276352.

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