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KPK Govt Launches Ehsaas Nojawan Program
The Khyber Pakhtunkhwa government has taken a great step to make the youth independent and employable. The provision of interest-free loans has been started under the Ehsaas Nojawan Program, which aims to provide financial assistance to the youth to start their own businesses. Chief Minister Khyber Pakhtunkhwa Ali Amin Gandapur distributed interest-free loan checks to the youth at a ceremony, where he described the program as a flagship project.
Details of interest-free loans for youth. Under the Ehsaas Nojawan Program, interest-free loans are being provided to youth between the ages of 18 and 35. Loans ranging from Rs 10 to 5 million are being given to clusters consisting of three to five people, while a simple schedule of eight years has been kept for the repayment of these loans. There will be a grace period of the first 20 months, during which no installment will be charged. In the second phase of the program, interest-free loans of Rs 100,000 to Rs 500,000 are being provided for small-scale businesses through Akhuwat Microfinance Bank.
A special quota has been allocated for women and special people in the Ehsaas Nawaz program, so that they can also take full advantage of this opportunity. The Chief Minister said that our aim is to provide business opportunities to the youth instead of jobs, so that they can create employment opportunities not only for themselves but also for others.
Business opportunities and government vision. The Chief Minister emphasized that the youth should present their business ideas and the government will provide them with all possible help. In addition to the Ehsaas Nawaz program, three more programs, including the Ehsaas Apna Ghar program, Ehsaas Rozgar program, and Ehsaas Hunar program, are being launched soon. A total of Rs 15 billion has been allocated in the current budget for all these projects. These steps reflect the government’s vision of a sovereign nation and a self-sufficient country.
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Interest-Free Loans to Foster Entrepreneurship
Under the Ehsaas Nojawan Program, a ceremony was organized where Chief Minister Sardar Ali Amin Gandapur distributed interest-free loan checks to the youth. The program, which spans three years and costs Rs 3 billion, is dedicated to empowering the younger generation by supporting them in entrepreneurial ventures.
The initiative’s first phase, in collaboration with the Bank of Khyber, focuses on providing loans ranging from Rs 1 million to Rs 5 million. These loans are available to clusters of three to five youth, aged between 18 and 35 years, encouraging teamwork and collective growth.
Flexible Loan Repayment Terms
The program offers an eight-year repayment schedule, including a 20-month grace period during which no repayment is required. This borrower-friendly approach is designed to reduce financial stress on young entrepreneurs, allowing them to establish their businesses with ease.
In the second phase, Akhuwat Microfinance Bank will provide loans ranging from Rs 100,000 to Rs 500,000. This segment targets individuals aged 18 to 40 years who wish to start small-scale businesses. Special quotas have been allocated for women and individuals with disabilities to ensure inclusive economic opportunities.
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Expanding Opportunities Through Additional Programs
In addition to the Ehsaas Nojawan Program, three other initiatives—Ehsaas Apna Ghar Program, Ehsaas Rozgar Program, and Ehsaas Hunar Program—are also in the pipeline. Together, these programs aim to address the socio-economic challenges faced by the youth, with a combined budget allocation of Rs 15 billion.
Chief Minister Gandapur emphasized that these initiatives are in line with the government’s vision of creating a self-sufficient and independent nation. By providing financial resources and opportunities, the programs encourage young individuals to embrace entrepreneurship over traditional employment.
Vision for a Self-Reliant Future
Chief Minister Gandapur highlighted the importance of hard work and innovative ideas, urging the youth to focus on starting their own businesses. He stated that immense opportunities exist in various sectors, and the government is committed to supporting those who bring forward creative business plans.
The Ehsaas Nojawan Program is not merely a financial initiative but a significant step toward fostering a culture of self-reliance among the youth. By prioritizing hard work and innovation, the program aims to build a brighter future for Khyber Pakhtunkhwa and the entire nation.
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Eligibility Criteria for Ehsaas Nojawan Program
To ensure the program benefits deserving candidates, the following eligibility criteria have been established:
Age Requirement:
- Phase 1: Youth aged 18 to 35 years.
- Phase 2: Individuals aged 18 to 40 years.
Group Formation:
- Loans in Phase 1 are available for groups of 3 to 5 individuals working collaboratively.
Focus Groups:
- Special quotas are allocated for women and individuals with disabilities.
Residency:
- Applicants must be residents of Khyber Pakhtunkhwa.
Benefits of the Ehsaas Nojawan Program
The Ehsaas Nojawan Program offers numerous advantages to participants:
- Interest-Free Loans: Financial assistance without interest to reduce the burden on young entrepreneurs.
- Wide Loan Range: Phase 1: Loans ranging from Rs 1 million to Rs 5 million for groups. Phase 2: Loans of Rs 100,000 to Rs 500,000 for small-scale businesses.
- Flexible Repayment Terms: An eight-year repayment schedule, including a 20-month grace period with no repayments.
- Inclusive Opportunities: Dedicated quotas for women and differently-abled individuals to ensure fair access.
- Support for Diverse Business Ideas: Encourages innovative and creative ideas from the youth.
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Frequently Asked Questions (FAQs)
Who can apply for the Ehsaas Nojawan Program?
Youth aged 18 to 40 years, with special quotas for women and disabled individuals, can apply based on the specific program phase.
What is the loan amount offered?
- Phase 1: Rs 1 million to Rs 5 million for groups of 3–5 youth.
- Phase 2: Rs 100,000 to Rs 500,000 for small-scale businesses.
Are the loans completely interest-free?
Yes, all loans under the Ehsaas Nojawan Program are interest-free.
What is the repayment schedule?
The repayment period is eight years, including a 20-month grace period during which no repayment is required.
Are there any other Ehsaas programs available?
Yes, the government is also launching Ehsaas Apna Ghar, Rozgar, and Hunar programs to provide additional opportunities for the youth.
Conclusion
The Ehsaas Nojawan Program is a transformative initiative designed to uplift the youth of Khyber Pakhtunkhwa by providing financial resources for entrepreneurial ventures. With its interest-free loans, flexible repayment terms, and inclusive policies, the program offers a pathway to self-reliance and economic growth.
By encouraging hard work and innovative ideas, the government is paving the way for a brighter future. This program is not just a financial aid scheme but a visionary step toward fostering independence and prosperity for the nation’s youth.