Payments Automation and Integration of Salaries in Afghanistan (PAISA)

Abstract*

The objective of the Payments Automation and Integration of Salaries in Afghanistan (PAISA) Project is to support the development of digital government-to-person payments in Afghanistan. There are four components to the project, the first component being Biometric identification system for civil servants and pensioners. This component will support the biometric registration and issuance of a unique registration number (URN) to recipients of government... Show More

Development Objective

The PDO is to support the development of digital government-to-person payments in Afghanistan.

Key Details

Project Details

Project ID
P168266
Status
Active
Team Leader
Namoos Zaheer , Endashaw Gossa
Borrower 2
Government of Islamic Republic of Afghanistan (GoIRA)

Country
Afghanistan
Disclosure Date
December 10, 2018
Approval Date
(as of board presentation)
April 25, 2019
Effective Date
September 25, 2019

Total Project Cost 1
US$ 45.00 million
Implementing Agency
Ministry of Finance,Da Afghanistan Bank
Region
South Asia
Fiscal Year 3
2019

Commitment Amount
US$ 45.00 million
Environmental Category
C
Environmental and Social Risk
Not Applicable
Closing Date
June 30, 2025

Consultant Services required
TBD
Last Stage Reached
BANK APPROVED
Last Update Date
August 1, 2023

Notes
1. Total project cost includes funding from World Bank and non-bank sources in US$ millions. Active and Closed projects show current commitments. Proposed (pipeline) and dropped projects show the forecast amount. The commitment amount for projects in the pipeline is indicative and may be modified during the project preparation.
2. Borrower refers to the Borrower of a Loan or Recipient of a Grant.
3. ”Fiscal Year” is the fiscal year in which the project was approved (or dropped if the status is dropped). The World Bank's fiscal year is from July 1 - June 30. For example, a fiscal year of 1996 corresponds to July 1, 1995 - June 30, 1996.

Sectors

Themes

No data available.

Project Map

Interactive Map

Finances

Financing Plan (US$ Millions)

Financier	Commitments
Afghanistan Resilience Trust Fund	35.00
IDA Grant	10.00

Total Project Financing (US$ Millions)

Product Line	IBRD/IDA
IBRD Commitment	N/A
IDA Commitment	10.00
IBRD + IDA Commitment	10.00

Lending Instrument
Grant Amount	35.00
Total Project Cost**	45.00

Summary Status of World Bank Financing (US$ Millions) as of March 31, 2025

No data available.

Detailed Financial Activity as of March 31, 2025

Download:

Period	Financier	Transaction Type	Amount (US$)
Apr 25, 2019	IDA-D4530	Loan Commitment	10,000,000.00
Apr 27, 2021	IDA-D4530	Loan Disb	2,586.82
Jun 25, 2020	IDA-D4530	Loan Cancel	4,400,159.50
Sep 3, 2020	IDA-D4530	Loan Disb	550,000.00
Jun 24, 2020	IDA-D4530	Loan Disb	550,000.00
Apr 1, 2021	IDA-D4530	Loan Disb	672.04

Footnotes

Ratings

IMPLEMENTATION RATINGS

Name	Review	Date
Procurement	Moderately Satisfactory	2024-05-08
Project Management	Unsatisfactory	2024-05-08
Financial Management	Moderately Satisfactory	2024-05-08
Overall Implementation Progress (IP)	Moderately Unsatisfactory	2024-05-08
Monitoring and Evaluation	Moderately Satisfactory	2024-05-08
Progress towards achievement of PDO	Moderately Unsatisfactory	2024-05-08

COMPLETION RATINGS

INDICATOR	IMPLEMENTATION COMPLETION & RESULTS REPORT: 05-01-2023
Outcomes	Unsatisfactory
Risk to Development Outcome
Bank Performance	Moderately Satisfactory
Borrower Performance
Government Performance
Implementing Agency

INDEPENDENT EVALUATION RATINGS

INDICATOR	ICR REVIEW: 09-22-2023	PROJECT PERFORMANCE ASSESSMENT REPORT:
Outcome Rating	Highly Unsatisfactory	N/a
Risk To Development Outcome		N/a
Bank Performance	Moderately Satisfactory	N/a
Borrower Performance		N/a
Government Performance		N/a
Implementing Agency		N/a
Icr Quality	High	N/a
M&e Quality	Modest	N/a

Results Framework

PROJECT DEVELOPMENT OBJECTIVE INDICATORS

INDICATOR		BASELINE	CURRENT	TARGET

Number of financial access points Value 2890.00 2890.00 3000.00
Date September 30, 2018 August 12, 2021 October 31, 2022
Comment
Percentage of civil servants and pensioners biometrically-registered and issued a unique identifier for payment purposes Value 0.00 0.00 40.00
Date December 1, 2018 August 12, 2021 December 30, 2022
Comment
Percentage of civil servants and pensioners who received government payments through electronic channels Value 60.00 0.00 70.00
Date December 1, 2018 August 12, 2021 October 31, 2022
Comment
Percentage of financial institutions connected to the APS Value 14.00 68.00 100.00
Date December 31, 2018 August 12, 2021 December 31, 2021
Comment
Percentage of female civil servants and pensioners biometrically registered Value 0.00 0.00 40.00
Date December 1, 2018 August 12, 2021 December 30, 2022
Comment
Percentage of female civil servants and pensioners who receive government payments through electronic channels Value 60.00 0.00 70.00
Date December 1, 2018 August 12, 2021 October 31, 2022
Comment

INTERMEDIATE RESULTS INDICATORS

INDICATOR		BASELINE	CURRENT	TARGET

Unified biometric identification system for civil servants and pensioners is implemented Value No No Yes
Date December 1, 2018 August 12, 2021 July 1, 2022
Comment
Percentage of civil servants that are active users of digital payments Value 0.00 0.00 2.50
Date December 1, 2018 August 12, 2021 June 30, 2022
Comment
Percentage of civil servants and beneficiaries that are satisfied with the level of service Value 0.00 0.00 75.00
Date December 1, 2018 August 12, 2021 October 31, 2020
Comment

Legal and regulatory framework established, including for data protection	Value	Inadequate	Inadequate	Key regulations related to the ID system have been
	Date	March 1, 2019	August 12, 2021	October 31, 2021
	Comment

Percentage of female civil servants that use digital payments Value 0.00 0.00 2.50
Date December 1, 2018 August 12, 2021 June 30, 2022
Comment
Women only - Satisfaction with level of service Value 0.00 0.00 75.00
Date December 1, 2018 August 12, 2021 October 31, 2020
Comment
Number of agents of licensed financial institutions Value 1879.00 1879.00 2000.00
Date September 30, 2018 May 9, 2021 June 30, 2023
Comment
Grievances addressed within stipulated time Value 0.00 0.00 80.00
Date December 1, 2018 August 12, 2021 October 31, 2020
Comment
Number of government systems integrated with AFMIS Value 0.00 2.00 1.00
Date December 31, 2018 August 12, 2021 December 30, 2022
Comment
Number of digital transactions facilitated through APS for the year Value 37811.00 239601.00 0.00
Date December 31, 2018 December 15, 2020
Comment
Number of female agents Value 180.00 180.00 200.00
Date September 30, 2018 May 9, 2021 June 30, 2022
Comment
Women only - Grievances addressed within stipulated time Value 0.00 0.00 80.00
Date December 1, 2018 August 12, 2021 October 31, 2020
Comment

Number of financial access points	Value	2890.00	2890.00	3000.00
	Date	September 30, 2018	August 12, 2021	October 31, 2022
	Comment

Percentage of civil servants and pensioners biometrically-registered and issued a unique identifier for payment purposes	Value	0.00	0.00	40.00
	Date	December 1, 2018	August 12, 2021	December 30, 2022
	Comment

Percentage of civil servants and pensioners who received government payments through electronic channels	Value	60.00	0.00	70.00
	Date	December 1, 2018	August 12, 2021	October 31, 2022
	Comment

Percentage of financial institutions connected to the APS	Value	14.00	68.00	100.00
	Date	December 31, 2018	August 12, 2021	December 31, 2021
	Comment

Number of agents of licensed financial institutions	Value	1879.00	1879.00	2000.00
	Date	September 30, 2018	May 9, 2021	June 30, 2023
	Comment

Number of digital transactions facilitated through APS for the year	Value	37811.00	239601.00	0.00
	Date	December 31, 2018	December 15, 2020
	Comment

Number of female agents	Value	180.00	180.00	200.00
	Date	September 30, 2018	May 9, 2021	June 30, 2022
	Comment