social development in wan miana
DESCRIPTION
Social Economic Development of a Punjabi VillageTRANSCRIPT
Social Economic Social Economic Development Development
Based on Akhuwat ParadigmBased on Akhuwat Paradigm
Success Story Success Story
Wan Miana, Tehsil Kot MominWan Miana, Tehsil Kot Momin
District SargodhaDistrict Sargodha
Sequence of PresentationSequence of Presentation
Ranjha Farms in 1997Ranjha Farms in 1997 Financial CrisisFinancial Crisis Labor ProblemsLabor Problems Challenges for ManagementChallenges for Management Options availableOptions available Decisions, their basis & outcomeDecisions, their basis & outcome Ranjha Farms todayRanjha Farms today InfrastructureInfrastructure
Sequence of PresentationSequence of Presentation
Financial improvementsFinancial improvements Improvements in Labor conditionsImprovements in Labor conditions Ripples within the villageRipples within the village Response Response Road AheadRoad Ahead Future plansFuture plans ConclusionsConclusions
Historical PerspectiveHistorical Perspective
Prevalent Social ConditionsPrevalent Social Conditions
Prevalent Economic ConditionsPrevalent Economic Conditions
Ranjha Farms in 1997Ranjha Farms in 1997
100 acres100 acres 60 acres kinno orchard 60 acres kinno orchard 40+ acres of Wheat / Rice40+ acres of Wheat / Rice 40+ Cattle heads40+ Cattle heads Two Ice factoriesTwo Ice factories One Oil MillsOne Oil Mills Two cold storagesTwo cold storages
Financial SituationFinancial Situation
Annual Revenues less than 1.5 MAnnual Revenues less than 1.5 M Heavy loansHeavy loans PSIC loan more than 4 MPSIC loan more than 4 M Personal Loans + 5 MPersonal Loans + 5 M ADBP,HBL and Cooperative loansADBP,HBL and Cooperative loans Default and decrees issued by courts Default and decrees issued by courts
in favor of various banksin favor of various banks Annual interest more than .5 M per Annual interest more than .5 M per
annumannum Very survival and existence were in Very survival and existence were in
questionquestion
Labor Conditions Labor Conditions
Hereditary workersHereditary workers Meager PaysMeager Pays Only paid in kind 8 maunds of rice and Only paid in kind 8 maunds of rice and
wheat each after six monthswheat each after six months Monthly less than Rs. 500 PMMonthly less than Rs. 500 PM Two uniforms per annumTwo uniforms per annum To have a worker the management To have a worker the management
had to pay 20,000 – 30,000 per had to pay 20,000 – 30,000 per person which was never repaidperson which was never repaid
Workers availability were getting Workers availability were getting sporadicsporadic
Labor Conditions Labor Conditions
The amount always stayed in The amount always stayed in booksbooks
Lack of availability of workers, Lack of availability of workers, their increasing demands, and their increasing demands, and lack of their commitment lack of their commitment towards the farmtowards the farm
Challenge for ManagementChallenge for Management
Survival & existence doubtfulSurvival & existence doubtful
To improve the farm, Capital was To improve the farm, Capital was requiredrequired
Due to default, the capital sources Due to default, the capital sources were getting limitedwere getting limited
From where to get capital?From where to get capital?
Options AvailableOptions Available
Sell off the landsSell off the lands
oror
Leave urban life and shift to Leave urban life and shift to farm to manage it more farm to manage it more effectivelyeffectively
Start of the DawnStart of the Dawn
Following the Islamic PrinciplesFollowing the Islamic Principles
Abolition of InterestAbolition of Interest
Reducing the Cost of interest expensesReducing the Cost of interest expenses
Abolition of Slavery and Bonded LaborAbolition of Slavery and Bonded Labor
DecisionsDecisions
December 1999 (15December 1999 (15thth Shaaban) Shaaban) All the loans to workers were written All the loans to workers were written
offoff Amounting around Rs.150,000Amounting around Rs.150,000 Commitment not to give any further Commitment not to give any further
loans in futureloans in future Pays were monetizedPays were monetized Cash paid instead of cropsCash paid instead of crops No further loans from banksNo further loans from banks
OutcomeOutcome
Salaries were paid in cash instead of Salaries were paid in cash instead of kindkind
Gradual increase from 500 to 2000 PMGradual increase from 500 to 2000 PM
Less land under wheat or rice cultivationLess land under wheat or rice cultivation
The land under wheat became available The land under wheat became available for Kinno orchards- much more profitablefor Kinno orchards- much more profitable
OutcomeOutcome Increase in production and rate of KinnoIncrease in production and rate of Kinno
Fodder for Live stock secondary crop Fodder for Live stock secondary crop
Substantial enhancement in livestock Substantial enhancement in livestock headsheads
Availability of substantial quantity of Availability of substantial quantity of Green ManureGreen Manure
In house & cheap inputIn house & cheap input
Ranjha Farms todayRanjha Farms today
125 acres125 acres Wind fall of additional 25 acres Wind fall of additional 25 acres Land recovered from old river bedLand recovered from old river bed 100 acres Kinno orchard100 acres Kinno orchard 50 acres fodder as additional crop50 acres fodder as additional crop 125+ live stock providing milk, 125+ live stock providing milk,
siblings and organic fertilizer siblings and organic fertilizer
Ranjha Citrus FactoryRanjha Citrus Factory 67 % of industrial ventures were 67 % of industrial ventures were
sold but the revenues are more sold but the revenues are more when 100% were ownedwhen 100% were owned
Establishment of Ranjha Citrus Establishment of Ranjha Citrus FactoryFactory
6000 MT production Capacity 6000 MT production Capacity 1000 MT Capacity of Cold Storages1000 MT Capacity of Cold Storages Projections for next year exportsProjections for next year exports 100 M100 M Ranjha Citrus registered brand of Ranjha Citrus registered brand of
kinnokinno
InfrastructureInfrastructure
Tube wells Tube wells 3 3 Bio Aabs Units Bio Aabs Units 3 3 Brick lined water coursesBrick lined water courses Electricity availability on FarmsElectricity availability on Farms Mettelled RoadsMettelled Roads Huge battery of workers available Huge battery of workers available
due to comparative high salaries and due to comparative high salaries and human treatmenthuman treatment
Human TreatmentHuman Treatment
Treat other the way you wish to Treat other the way you wish to be treatedbe treated
No threats, abuses, or No threats, abuses, or punishmentspunishments
Financial PositionsFinancial Positions
All loans from PSIC, Banks etc All loans from PSIC, Banks etc have been paidhave been paid
Interest Free operationsInterest Free operations Process of repayment of Process of repayment of
personal loans is on waypersonal loans is on way Total repayment will be Total repayment will be
complete inshallah by 2009 endcomplete inshallah by 2009 end
RevenuesRevenues
Orchards 5 M plusOrchards 5 M plus Wheat Wheat 0.3 M 0.3 M Dairy Farm self sufficientDairy Farm self sufficient Additional Live Stock sales 0.5 MAdditional Live Stock sales 0.5 M Income from Factories 0.4 MIncome from Factories 0.4 M Projections for next year 1 MProjections for next year 1 M
Package for Labor Package for Labor
Monthly pay 2,000 PMMonthly pay 2,000 PM 40 kgs of wheat and rice as food 40 kgs of wheat and rice as food
support support Valuing 450 PMValuing 450 PM Three uniforms annuallyThree uniforms annually Three pairs of shoesThree pairs of shoes One Ltr of Milk daily Rs 600 PMOne Ltr of Milk daily Rs 600 PM
Package for Labor Package for Labor
Rs 300 PM free vegetablesRs 300 PM free vegetables
300 oranges per head 300 oranges per head
Housing rights to workers along with right Housing rights to workers along with right to sellto sell
Total Package around 3,500 PMTotal Package around 3,500 PM
Introduction of Akhuwat interest free Micro Introduction of Akhuwat interest free Micro loansloans
ResponseResponse
No shortage of workersNo shortage of workers Willingness and commitment Willingness and commitment
increasedincreased Well being of workers and their Well being of workers and their
familiesfamilies Introduction of Liberation Introduction of Liberation
PackagePackage
Ripples within the villageRipples within the village
Resentment shown by other family Resentment shown by other family membersmembers
Opposition to Liberation PackageOpposition to Liberation Package
Accusing to destroy the labor marketAccusing to destroy the labor market
Other farms have minimum availability of Other farms have minimum availability of workersworkers
Road AheadRoad Ahead
Salary package Rs 4000 by end 2008Salary package Rs 4000 by end 2008
Educational Allowance for childrenEducational Allowance for children
Medical insurance for all the employees Medical insurance for all the employees in collaboration with NRSPin collaboration with NRSP
Akhuwat Live stock loans SEEP for Akhuwat Live stock loans SEEP for workers families to additional incomes workers families to additional incomes
Road AheadRoad Ahead
USAID is getting involved for Dairy USAID is getting involved for Dairy Farms up gradationFarms up gradation
Protection against tyrannyProtection against tyranny
Availability of justice against Availability of justice against oppressionoppression
Future PlansFuture Plans
Marketing among the diplomatic circlesMarketing among the diplomatic circles
Introduction of Organic kinnoIntroduction of Organic kinno
Capacity building of workers for pluckingCapacity building of workers for plucking
25 acres orchard of Guava, dates and 25 acres orchard of Guava, dates and Bamboo grovesBamboo groves
ConclusionsConclusions
Following the principles of Islam of Following the principles of Islam of abolition of interest and bonded labor abolition of interest and bonded labor (slavery)(slavery)
We can bring prosperity, well being We can bring prosperity, well being and welfare not only to the life of and welfare not only to the life of those who work on our farms but also those who work on our farms but also ensure prosperity for over selves ensure prosperity for over selves
Win - Win for AllWin - Win for All It will be translated in much better It will be translated in much better
results for our selvesresults for our selves Need to replicate this modelNeed to replicate this model
ConclusionConclusion
If we are merciful to those living on If we are merciful to those living on earth, Allah will be merciful on us earth, Allah will be merciful on us from Heavenfrom Heaven
Thank YouThank You