bolsa família program cash transfer payments
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BOLSA FAMÍLIA PROGRAMCASH TRANSFER PAYMENTS
Abuja, October 21st, 2009
BOLSA FAMILIA - BASIC FLOWSMinistry of Social
Development (MDS)
Municipalities
Caixa(Federal Bank)
1. 5.564 municipalities registry potential beneficiaries based on geographic quotas
2. MDS determines eligibility
3. CEF pays directly to beneficiaries
REGISTRY, GENERATION OF CARDS REGISTRY, GENERATION OF CARDS AND PAYMENTSAND PAYMENTS
Registring of Beneficiaries Generating payroll list and electronic card
MD
SFA
MIL
IAPR
EFEI
TUR
ACA
IXA
Define Políticas eDiretrizes
Atribui NIS e envia arquivo
retorno
Apropria naBase Local
Envia dados
Digitadados
famílias
CADUN
ExtraiDados
Famílias
Informahabilitados
por UFe Município
Aplica regrase identificahabiliitados
GeraFolha
SIPAS
SICIDGera
Cartão
Busca valorbenefício
MANAGEMENT OF BENEFITSMANAGEMENT OF BENEFITS
Reflete nobenefício
disponibilizadoSIPAS
Management of Benefits Regular payments
MD
SFA
MIL
IAPR
EFEI
TUR
ACA
IXA
Define regraspara manutenção
do benefício
DisponibilizaSistemas
SIBES
Alterasituação do Beneficio
(ON LINE)
SIBES
Busca valorbenefícioBloqueia,
desbloqueia, cancela, reverte cancelamento
Payment processPayment process• Municipalities register poor families•After quality analysis, registered families are validated to receive benefits prioritizing according to income per capita•Prioritization made by the Federal Government through an information system .• Once benefits are defined, payment cards are generated and sent to beneficiary families through mail.•Beneficiary families are included in the payroll list for payment and verification of compliance•Families receive a payment calendar• MDS disburse funds to payment agency to pay benefits •Municipalities monitor co-responsibilities through an information system
Withdrawal of benefitsWithdrawal of benefits• Families withdraw benefits using an electronic card• It serves as an identification document of
enrollment in the BFP • It takes up to 4 months for a family to receive its
electronic card but the goal is reducing the time in half
• Main causes of slow disbursement of electronic cards: • Problem with families’ addresses• Families’ mobility• Inefficiencies in handling and
activation of cards
•The CEF, a public federal bank is the payment agent of BFP•The CEF is responsible to struture, managament and updating the database of the registry of beneficiaries and execute payment routines following the guidelines of the Ministry of Social Development.
The Caixa Economica Federal The Caixa Economica Federal (Payment Agent)(Payment Agent)
• Provide the required infrastructure and organization to manage the Cadatro Único• Develop information systems for data processing• Organize and carry out payment logistics• Prepare reports for payment reconciliation
Responsibilitis of CEF as payment agentResponsibilitis of CEF as payment agent
7.482
5.569
24.3691.125
Fonte: CAIXA
Total: 38.545
• Official Caixa Economica bank agencies and branches
• Lottery ticket outlets, which, in Brazil, also perform several financial transactions
• Commercial establishments authorized by Caixa to perform financial transactions; must display the “Caixa Here” sign.
• Automated Teller Machines (ATM) connected to Caixa's network under another bank's supervision.
Outlets to cash benefitsOutlets to cash benefits
Bolsa Familia Program Bolsa Familia Program PaymentsPaymentsPayment Amounts: 9.9 million (February 2009)
Pagamentos por Canal 1% 12%
62%
12%
13%
Agência Auto-AtendimentoUnidade Lotérica Correspondente CAIXA AquiCrédito em conta
BFP seeks to open accounts to 5 BFP seeks to open accounts to 5 million familiesmillion families
4.233
295.429
579.547
601.010
548.597
623.887
1.045.034
0
200.000
400.000
600.000
800.000
1.000.000
1.200.000
Mar. Jun. Jul. Ago. Set. Out. Nov.
PBF'S PAYMENT PBF'S PAYMENT EFFECTIVENESSEFFECTIVENESS(2003 TO MARCH 2009)(2003 TO MARCH 2009)
Payment process: Oversight and Payment process: Oversight and ControlControl
• Internal:• Quality tests (spot checks) to the Cadastro Unico database• Cross checks with other Federal Government databases• Audits to identify multiple identities• Incentive to update Cadastro Unico• Monitoring program coverage
• External:• Social Control at local level• Oversight and control at Federal level
Current Logistic Challenges Current Logistic Challenges Regarding Payment of BenefitsRegarding Payment of Benefits
• In the region covered by the Amazon Forest there is a pressing need for expansion of payment channels available to the families
• About 5% of beneficiaries can not withraw their benefits either because they do not receve their card or because there is not available payment point at a reasonable distance
• Using the BFP to promote banking inclusion, creating more than 1.4 million checking accounts by beneficiaries in less than a year (2009)
• Teaching families about financial matters in order to empower them how to use their benefits in the most effective manner
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