The views expressed in this paper are the views of the authors and do not necessarily reflect the

views or policies of the Asian Development Bank (ADB), or its Board of Governors, or the governments they represent. ADB does not guarantee the accuracy of the data included in this paper and accepts no responsibility for any consequence of their use. The countries listed in this paper do not imply any view on ADB's part as to sovereignty or independent status or necessarily conform to ADB's terminology.

Accelerating Gender Impact

Development Challenge
Growth not Regionally Balanced
Increased Urban Migration Poor Rural Living Standards and Limited Employment Opportunities
2

Inclusive Economic Growth

Welfare Improvement Strategy
Rural Development Program Rural Housing Scheme
3

Improving Rural Living Standards for Uzbek Families

Creating Rural Jobs

50,000 to 100,000 rural jobs annually nationwide

ADB Process Impact

Policy Framework to Accelerate Reforms Improved Governance & Transparency

Safeguards

Downstream Access by Targeting Lower Income & Gender

6

HIRD: Nationwide Coverage

Housing for Integrated Rural Development, $3.05 Billion

13% 16% ADB $500M Rural Homebuyers - Deposits $850M 18% Government - Utilities & Social Infrastructure $800M 27% Participating Commercial Banks $500M Private Sector - Community & Retail Facilities $400M
8

26%

Multisector Policy Roadmap

Financial Sector

Local Government Private Sector Construction & MSEs

9

MFF Tranche Triggers

TRANCHE

TRANCHE 2

TRANCHE 3

TRANCHE 4

2012
Downstream targeting Improved Governance Results based reporting

2013
Entry of Other Banks & Spinoff of QQI Construction Material Factories

2014

2015

Spinoff of QQI & Entry of Developers

Phase out of interest subsidy

10

HIRD Lead Partners

1. Ministry of Economy - PIU 2. Participating Banks :

Qishloq Qurilish Bank National Bank of Uzbekistan Ipoteka Bank

3. Regional and District Hokimyats

Local Government Roles

Technical
Land Allocation Safeguards Due Diligence Coordinating Access to Infrastructure Selection of Contractors Public Awareness Social Development Priorities Beneficiary Outreach

Social

Construction Quality Assurance

HIRD Components 1. Housing Finance 2. Local Government 3. Micro & Small Business

Component 1: Housing Finance Raising Public Awareness Social Evaluation Performance Management

HIRD Public Awareness The Challenge

TV

Popular Dramas News Items Public Announcements Ads Articles Ads

Radio

Print

HIRD Social Advocacy

Consumer Rights Financial Literacy Gender Awareness Environmental Sustainability Cultural Values & Community

Responsibility

HIRD Community Outreach

Regional Exhibitions District Meetings Community Gatherings Civil Society Participation Mahallas Womens Committee Kamalot

www.HIRD.uz

HIRD Beneficiaries: the Challenge Nationwide Outreach Transparency of Process Social Evaluation 60,000 Applications for 8,500 Houses

 Civil Society Consultation e-Application Social Scoring Framework Social Impact Gender Impact

HIRD e-Application
Criteria defined with CSOs Forms designed & field tested by

multidisciplinary team Know Your Client & credit review by credit officers & branch managers

HIRD IT Scoring Framework

Social
Income

Credit
Income Employment

Gender

Family Size & Composition Education Vulnerable Households Stability Education & Health Professionals

Assets
Credit History

Existing Housing
Access to Services

Coborrower/Guarantor
Deposit

Social Impact
HIRD Applicants
income 25% women 15% > 3 dependents 44% <100m2 living space 13% poor services 25% home business

HIRD Beneficiaries
income >80% women approved 29% > 3 dependents 84% <100m2 living space 21% poor services 35% home business

43% moderate to lower 83% moderate to lower

Gender Impact
HIRD Beneficiaries
83% moderate to lower income
34% with coborrowers

HIRD Gender
89% moderate to lower income
46% with coborrowers

17% teachers/

41% teachers/

healthcare workers 8% single headed HH

healthcare workers 10% single headed HH

 Civil Society Consultation e-Application Social Scoring Framework Social Impact Assessment PCB Training & Credit

Assessment

 HIRD New Home Warranty HIRD Studies Intern/Accreditation Programs Link to Local Government Link to MSE Development

HIRD New Home Warranty

All structural defects All non conformity with Uzbek

Construction & Building Standards

Foundations Roofs Floors Plumbing Exterior Finishing Electrical Walls

HIRD Studies
Study 1: Lower Cost Housing & Affordable Housing Finance Study 2: Green Communities & Housing Design Study 3: Advancing Construction Industry & Standards

HIRD Accreditation Programs

1. ADB-WB Procurement Certificate 2. Singapore BCA-SCAC

Construction Inspection Certificate 3. Presidents Academy of Public Administration MPA Intern Program on Hokimyat Planning

Component 2: Results-based Local Government Planning Regional Investment Promotion & Job Creation Plans District Infrastructure & Social Service Delivery Plans

Component 3: Micro & Small Business Development e-Government

One-Window Business Registration
Online Property Registration

Online Public Recourse Process