Friday, November 12, 2010

After the Acumen Fund Fellowship I feel myself extremely confident and interactive and has used both very productively during the pas two post fellowship months. Let me admit that I could hardly exhibit both these attributes during the fellowship year and before but now find them proving best assets for me- I am so much thankful to AF for this..... 
I yesterday resigned from a well paid job with a UK based Charity which at the outset has very ambitious goals about leadership development and portray 'Dignity, Equality and Justice' as their core values. I joined them as I shared both their goal and their values, especially after the year spent at Acumen Fund. But during my stay at BHR I found the organization going totally in an opposite direction. I have been successful in my role, as I brought the first ever institutional partnership to the organization and so many others are in pipeline. But what I find difficult to compromise on are the core values of Respect and Dignity. I am not sure if my reaction was well thought, informed and right but I feel satisfied being out of the suffocation and dishonest environment. 
My time with the organization taught me some very good lesson, that how blurry vision leads to blurry, mission, mandate and values leads to blurry results and relationships. I found adherence to and demonstration of values as implicit to lead an organization. I realized it of paramount importance to believe in what we do and do what we believe in ...It has reinforced my belief on systems, procedures and accountability as key ingredients for efficiency and productively. 

Thursday, September 2, 2010

Escaping the Flood: A Story from Pakistan

Escaping the Flood: A Story from Pakistan


Escaping the Flood: A Story from Pakistan

August 30th, 2010 by Muhammad Zahoor ⋅ 2 Responses
Villagers try to catch trees floating in the flooded Nelum river in Muzaffarabad, the capital of Pakistani Kashmir on Friday, July 30, 2010. (AP Photo/Aftab Ahmed)
It was July 25th, and I was on my way back home to Lower Dir in the Swat valley. Lush green rice fields and shiny clean newly constructed restaurants and huts along the right bank of River Swat were an enriching and peaceful sight. After a challenging five years period of terrorism, militancy, and consequent displacement of a massive number of villagers, I was pleasantly surprised to see reconstruction almost completed.
It’s hard to imagine now that was only three weeks ago.
It rained for the next three days continuously and heavily. The beautiful dense forests and high mountains and countless streams of my hometown could not stand it – the streams and rivers overflowed, flooded, and by day three we started seeing dead bodies, vehicles, shelters, broken trees, home appliances and so many other things floating downstream. The Swat River had washed out the major bridge connecting Lower Dir, Upper Dir and Chitral with rest of the country and – as I later found out – twenty four other such bridges in its path till the River Kabul at Nowshera. Flood water had caused the river to double in size, burst its banks and wash away everything in its path. With very little food, fuel and amenities in stock, and I was one of three million people of three districts remained stranded for next five days.
I cannot forget a crowd of what must have been tens of thousands of people on both side of the river all standing in long queues, children crying, veiled women struggling with their ‘parda’ in the middle of so many men and the elderly being pushed hard, waiting for hours in the scorching heat. I can’t forget a baby unconscious in the hands of its mother running madly for help in the crowd. It was chaos all the way- and those people are still isolated from the rest of the country.
A boy walks through flood destroyed homes on August 4, 2010 in Pabbi, near Nowshera, Pakistan. (Daniel Berehulak/Getty Images)
Fortunately enough, day six I received help from my brother who had arranged a special escort by the Pakistan Army. What initially felt like a relief and a privilege very soon became guilt – which only started increasing as I moved across the river, and climaxed at the moment I made it to the other side. Instead of relief, I felt awful for the unfortunate people left on the other side. However, my journey had not yet ended – I was stuck for the next two days, and eventually managed to reach Nowshera. Nowshera used to be a small city which stood cheerily on both side of River Kabul, and was now completely and totally flooded. The M-1 the motorway that runs between Islamabad and Peshawar had hundreds of thousands of internally displaced persons (IDPs) who had made it to this relatively high ground. Nothing was left on both side of the river and water had even entered into the city filling streets, houses and markets with water and mud all over. Conditions of the survivors were very poor, lying under open sky, empty handed with almost nothing to eat and drink.
Flooding is still occurring across the country, starting from in the northern Khyber Pakhtunkhwa where my home lies, and spreading down to Punjab, Sindh and now Baluchistan – all have been badly hit. Every day brings new reports of more villages inundated. Millions of people are affected, displaced and countless stranded. A third wave of flooding has started in the north and is expected to reach downstream in next few days. The scale of devastation is too enormous for my mind to imagine.
No doubt the situation is a test of our strength, our individual and collective faith, morality and humanity. However, in the words of someone else, what doesn’t kill us can only make us stronger. Though it is hard to hold optimism in this hour of dismay however, I feel some aspect of the catastrophe could be viewed positively as well. The aftermath of the flood is teaching us lesson to devise systems and strategies which could prevent and mitigate such catastrophes in future. Public opinion has now changed dramatically on construction of dams which were previously denied as being too controversial. And most of all, despite of all the differences that seem to divide us, we as a nation are united for a single cause now, working hand in hand to rebuild the lives of the millions who have lost everything in the face of the flood.

Monday, July 5, 2010

Pakistan for Acumen, Spurring New Debate on Social Enterprise

Pakistan for Acumen (PfA) did something different…the leaders of this newly-formed volunteer Chapter sought out an inspiring venue, T2F – The Second Floor in Karachi, PK – to host its event earlier this month. As a result, a group of curious and energetic students and professionals came together to learn about how PfA can spur conversation and debate about social entrepreneurship.
PfA arranged this event with the intentions of:
  • Furthering dialogue/debate around social entrepreneurship by asking the questions: What does it mean? What does it mean from Acumen’s lens? What is the role of sustainability, social impact and scale? How can we find balance for the greatest success?
  • Creating an opportunity to energize young professionals, students and entrepreneurs about social entrepreneurship as a career choice, and discussing the value this creates for the development of Pakistan.
  • Getting more young professionals involved with PfA Chapter activities.
The event kicked off with a screening of Jacqueline’s video as featured on PSB NewsHour. The short clip provided good fodder for discussions about Acumen Fund’s work. Following the video, PfA shared a powerful presentation highlighting issues like ‘who are our social change agents?’ and ‘social business that serves the poor’. These topics resonated with me because they clearly articulate Acumen’s values of acknowledging entrepreneurs who, despite a variety of challenges, are still striving to create businesses/markets to serve the poor. The interconnectedness perceived by the participants was evident in the discussions that followed the session.
Sarah Dimson, an Acumen Fellow working with  AMC in Pakistan, deliberated on how affordable housing has proved the potential for scaling the social enterprise sector. She talked about her personal experience of working with AMC, an emerging housing company that not only builds houses, but also communities! Her enthusiasm and the commitment with which she has accepted the challenge to work in the sector and this country strengthen the need for the chapter to come forward and start taking action.
“In my presentation, I highlighted how microinsurance as social enterprise is assisting low income families to get out of a poverty trap and augmenting the microfinance sector to expand and develop a new market. I shared my excitement that the enormous exposure to forums and opportunities, networking with the world’s top-most leaders, and invaluable source of knowledge about the sector, has helped me broaden my thinking. Excited about sharing my vision of creating future leaders for Pakistan, I concluded the presentation with an invitation to act by saying ‘Do you have any dream or plan to be, yourself, a change agent or be a part of the change? If not, join the Acumen Community; you will have one very soon!’”

Thursday, January 21, 2010

Customer Perspective

Yesterday i was part of a presentation where consultants had to brief a team on a new product design that will soon be in the market. The product  is about maternal health insurance coverage which will provide coverage to low income couples for the pre-natal, natal and post natal care, starting from doctor consultation to C-section. Normally this cost PKRs: 15000 ($176) almost equal to five month gross income for people living in poverty.

The product is designed to cover all the expenses of expected ladies if they purchase a MHP (Maternal Health Passport) at the cost of Rs: 4000 ($47) only. Range of covered services under this product are proposed to be available in a network of affiliated hospitals.

No doubt this micro insurance product is revolutionary, innovative, affordable and well thought, however during the discussion an issue pop up regarding customer identification/gate keeping! and from that point onward i kept thinking on this very basic question of 'customer perspective'.

- do we have customer say in the process?
- do we know how do they have a valid identification card??
- what do they prefer to do and what they don't???

So many question like this...................still thinking!!!
- is