Over the course of monsoon season in July and August 2010, Pakistan experienced the worst floods in its history. These floods affected 78 districts and nearly 10% of Pakistan's population over a vast geographical area. Floods that originated from the upper northern areas of Khyber Pukhtunkhwa province completely or partially destroyed Houses, Streets, Villages and crop fields of Gilgit Baltistan (GB), Azad Jammu and Kashmir, Balochistan and Sindh. This wide scale disaster not only caused destruction on land but over 1,980 reported human lives were lost, 2,946 people injured. Approximately 1.6 Million homes have been destroyed, and 2.4 million hectares of crops damaged. An estimated 14 million families are affected by the floods.

These floods greatly affected the lives and livelihood of families bringing their businesses and lives to a complete hault. In response to the flood crisis, the Government of Pakistan in collaboration with the provincial Governments set up the Citizens Damage Compensation Program to support affected households with cash in an effort to recover and restore lives in provinces of Khyber Pukhtunkhwa, Sindh, Punjab, Balochistan, Gilgit- Baltistan and Azad Kashmir (AJK). Initially the council of Common Interest made an immediate one-off payment of Pak Rs 20,000 to the affected families in order to ease the misery of families who lost most of their possessions in floods. After its inception, to date the program has provided cash to 1.62 million families across Pakistan. This programme was financed jointly by the federal and provincial governments and is termed as CDCP Phase 1.

Keeping in view the massive damage caused by the floods in affectees life , Government of Pakistan alongside international donor's are implementing the second phase as Citizen Damage Compensation Program (CDCP). This program would complement the first phase beneficiaries and also new beneficiaries in an attempt to bring their lost livelihood back on track. This program aims to deliver PKR Rs 40,000 in two tranches of Rs 20,000 each. This would easily allow the beneficiaries to spend the required cash on basic necessities of life such as clothes, food, shelter. Likewise, spending some amount of cash to revive their businesses by buying livestock, or harvest their fields. Thus, In totality the aim of the project is to deliver the cash to beneficiaries effectively and efficiently. Thereby addressing and resolving any issue/problem that pertains to this program and its operational activity.

• World Bank

• International Organization for Migration

• Cabinet Division

• National Disaster Management Authority

• Provincial Disaster Management Authority (PDMA)

• District Management Authority

• District Coordination Offices

• Partner Commercial Banks

For CDCP Phase II, a household will be considered eligible as per the following criteria:

a)  The beneficiary should be the head of household of the damaged house identified through a survey conducted  in the flood affected areas by the respective provinces. The criteria for housing damage are determined by the Provincial Governments.

b)  The CNIC of the potential beneficiary head of household (as provided by the provinces) is verified through the NADRA registration database as:
   1. Unique and valid in NADRA database
   2. Unique at least within the family
   3. Clear in NADRA database (i.e. not marked as suspect alien or "DUP" i.e. multiple identity)
   4. HOF in NADRA database where there is already a phase 1 beneficiary in the same family.
   5. Have at least one address (temporary or permanent) from the notified flood affected district

Verification of the lists of beneficiary households provided by provinces will be carried out by an independent third party. This third party autonomous verification will use a sample based Spot Check mechanism to determine the validity of the data provided by the provincial household damage survey.

Well off will be excluded with information available on the head of household in the NADRA's registration database. Wealth is measured by a combination of proxies such as those having bank accounts in international banks, frequent international travel activities and executive jobs.In addition to the verified surveyed households, all legitimate vulnerable beneficiaries, defined as female and disabled headed families in the NADRA's CNIC database that were included in Phase I, but not captured as Head of Household through the survey will, de-facto, become part of Phase II beneficiaries. Address rule will not be applied for those who were processed through Redressal mechanism during Phase I to cater for splits, mergers and creation of new districts. In case of rejected records, only two categories can be further processed through Grievances Redressal; i. CNIC is invalid or missing. ii. Address or HOF rule is challenged. All other cases such as Aliens, DUP, duplicate records in HOH lists etc. will have no further life cycle.

Enrollment

Beneficiaries that wish to receive cash grants in CDCP Phase II should enroll themselves at the Watan Card Facilitation Centers (WCFC). Such beneficiaries after having checked their names in the beneficiaries list at the DCO office can visit their nearest WCFC and get themselves verified and receive the first installment of PKR 20,000. Enrollment is an easy step by step process and should be done by the beneficiary him/herself. Only Beneficiaries that are part of the beneficiaries list can enroll themselves. Specifically two possible scenarios can occur at Watan Card Facilitation Centers (WCFCs). A step-by-step process flow would help better understand this process and in turn guide beneficiaries. However, A beneficiary needs to fulfill the following requirements to receive cash grants.

• Beneficiary will visit the Watan Card Facilitation Centre him/herself.

• Must have a valid CNIC.

• Must belong to the flood affected area.

Following are the two Scenarios as mentioned above;

Case 1

Beneficiaries from phase I of CDCP that have a valid CNIC and Watan card fall under this case. This is termed as ideal case scenario in which a beneficiary has the necessary pre-requisites to enroll him/herself. They have to:

• Enter the Watan Card Facilitation Centre

• Go to the Information counter with a Valid CNIC. The operator would verify particulars and direct the beneficiary to the biometric counter.

• Beneficiaries would get verified their biometrics against their particulars at this station. If one to one matching is successful then the operator would direct the beneficiary to the bank counter. Else the operator would capture picture and fingerprints of the beneficiary and direct him/her to the bank counter. In both cases, beneficiary will be provided with a printed slip.

• Beneficiary at the bank counter would show the bank official the printed slip. After acquiring necessary information the bank official would credit PKR 20,000 in the beneficiary's account and will issue him/her Debit / Watan Card in case he/she has lost it.

• The beneficiary would draw money from PoS or the bank's local ATM.

Case 2

Phase II beneficiaries that were not part of phase I and do not possess Watan card fall under this category. They have to:

• Enter Watan Card Facilitation Centre.

• Go to the Information counter with a Valid CNIC. The operator would verify particulars and direct the beneficiary to the biometric counter.

• Would get-verified their biometrics against their particulars at this station. If matched successfully, the operator would capture his/her photograph and direct the beneficiary to the next counter. If there a miss-match, the beneficiary gets his/her finger prints and photograph taken and then sent to the bank counter. Beneficiaries will be provided with a printed slip.

• Beneficiaries at the bank counter would show the bank employee a printed slip.

• Bank counter issues a Debit / Watan card with a pin number to the beneficiary.

• Beneficiary activates the card and withdraws the money from the PoS or bank's local ATM.