
I recently visited Karachi, Lahore, Rajindrapur, Islamabad and the Peshawar region of Pakistan’s North-West Frontier Province to see BRAC’s microfinance and new education programs and to discuss the start up of a pilot program in health. Through discussions with staff and clients, I was able to get a first-hand impression of how people are coping with the current stressful period of conflict and massive displacement of families from Swat. The people of NWFP live in an area that already faced severe development challenges--the worst record in maternal and child mortality and education for girls. Now they live in a war-zone. Nevertheless, the majority were hopeful that Government troops would soon succeed in restoring peace.
Near Peshawar, the famed Khyber Pass at the border of Pakistan and Afghanistan has witnessed the passage of the conquering armies of Alexander the Great, Genghis Khan, Tamerlane, and the Mughal Emperor Babar. Today the region plays a key role in a different kind of conflict, with the Khyber Pass serving as a major supply route for NATO forces in Afghanistan while there is a concurrent flow in the opposite direction of Taliban fleeing to the mountains of the NWFP. The fighting has now expanded into this area: earlier this month a Taliban attack on a mosque killed 33 people, while 35 US airstrikes since late August have killed over 340 people.
After building a successful track record in Bangladesh over several decades and some initial success in Afghanistan since 2002, BRAC started exploring the feasibility of working in Pakistan in late 2007. BRAC Pakistan has currently set up 46 microfinance branches in three districts and will have 88 branches throughout the country in two months.
BRAC's microfinance groups in Pakistan already have more than 45,000 members, and BRAC has lent over $7 million to 35,000 women in average size loans of $200. The organization works with the knowledge that in the midst of conflict there are ordinary people struggling to build stable lives for the future.

I was heartened to see that BRAC staff in the NWFP are strong, well educated women with courage and a vibrant sense of humor. I know that labor mobility is an issue for many workers, as there is tremendous cultural and societal pressure on them to stay home or close to their families instead of uprooting themselves to follow career opportunities. We anticipated that this might be a problem for BRAC, as we tend to recruit mostly women, both as borrowers and as staff. On this visit,
I was delighted to listen to our staff expressing interest in pursuing higher paid posts which require relocation to other parts of the country, even if it might be frowned upon by their families. They are pragmatic and put on a veil to move around outdoors but they are determined to move. In a country that is often criticized for its poor record in women’s rights, these women are indeed agents of change.
The same is true for our borrowers. BRAC has made it a point to provide microfinance services to women as they are the poorest and most excluded from economic activity. However given the low economic participation of women in the country, many of these women are borrowing for family businesses or for work their husband carries out. On the other hand I met several women who used their money to start their own businesses, ranging from tailoring shops to beauty salons.
I also visited a larger microenterprise run by a husband and wife team who also employed 15 home based workers that made national flags for 3 months of the year and crepe paper decorating materials for the balance. This enterprising woman took us to her roof where she had set up her flag-making business, while two sheep that she had also purchased with micro-loans rested near the flags hanging on a clothes line to dry. Despite the precarious situation in the region, she expressed hope about the future.
She explained that while certain things were out of her control, she still felt the need to act and take charge of what was under her control. Hopefully other women will be inspired by her example, and will seize opportunities to directly engage in growing their business and break out of their more socially constrained roles.

A highlight of my trip was the visit to the pre-primary school in Haripur near Islamabad. The BRAC school is comprised mostly of girls, a rare few among their peers who receive an education. I sat on a mat with the children while they had their art class. Pakistan’s future drew with chalk on their slates, curiously peeking every now and then at the strange-looking foreigner sitting among them. When they came up to me to show me their work, I was surprised to find that among the usual drawings of mangos and bananas there were quite a few portraits of yours truly.
I took their photos and, much to their amazement, showed them what they looked like on the digital camera. Some eagerly kept returning proudly brandishing yet another masterpiece to see themselves again, others shyly returned to their seats immediately. One child was terrified of me. All were adorable.

Along with military and political strategies, the key to peace in this area urgently requires solid development solutions. The men, women, and children of the area are seeking stability and comfort just like the people of any other part of the world, and they will take advantage of any support provided by the international community. They need much greater investment in girls education, women's empowerment, livelihoods and health care.
The discussion on the situation in Pakistan needs to see far more coverage of development issues such as microenterprise, schools, rural health, literacy, and life expectancies, in addition to the dominant stories of troop movements, surges, bombings, and airstrikes. We need to look at the full picture if we are to successfully support the people of Pakistan at this critical juncture.
Susan Davis
President & CEO
BRAC USA