29 Oct 2019


Bilal Khanzada - Head of Cash Transfer Programme Operations, Save the Children

Bilal Khanzada, Head of Cash Transfer Programme Operations, Save the Children, explains the benefits of Cash Transfer Programming

Cash Transfer Programming (CTP) and in-kind assistance are typically the two widely recognised modalities for delivering assistance to the targeted beneficiaries (e.g. internally displaced people, refugees, asylum seekers etc). In addition to the reduction of protection risk, improvement in the efficiency and effectiveness of a programme, it also contributes towards building the local economy and eventually empowering the community to become self-sufficient. It supports people affected by disasters and conflicts in ways that maintain human dignity and provide access to food and shelter. Which would eventually help rebuild or protect livelihoods? Whether cash is an appropriate way to meet the needs of people entangled in crisis is no longer a question rather how charities, donors and governments can use cash transfers to best effect.


How Cash Transfer Programming helps

There are numerous ways and advantages of Cash Transfer Programming, which could be tailored to meet the objectives of a programme. For instance, an education programme with the objective of increasing children’s school attendance. A conditional cash option can be opted, what this means is that the beneficiary receives the allocated credit in the voucher which can be utilised at designated retailers giving the choice of selecting the items would best serve their household requirements. However, the next tranche will be released only when the parents provide attendance records for their child thus achieving the programme's objective by supporting the families and having their children access education as a basic right.


Increasing regulations

With the ever-changing regulatory environment Financial Service Providers (FSP) are becoming more wary of the risk of this cash being diverted to support terrorist activities and there are now more stringent regulations in place that are supported via Know Your Customer (KYC) or Customer Due Diligence (CDD) and decreasing their risk appetite towards the charity sector

Donors are becoming more demanding regarding the use of the funds, requiring a thorough audit trail to know exactly where the money is being spent. NGOs will need to be much more aware of counter-terrorism laws, regulatory environment, risk and to make sure their programmes operate within existing legal frameworks.

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