BOLSA FAMÍLIA
PROGRAM
CASH TRANSFER
PAYMENTS
Abuja, October 21st, 2009
BOLSA FAMILIA - BASIC FLOWS
Ministry of Social
Development (MDS)
2. MDS determines
eligibility
Caixa
(Federal Bank)
Municipalities
1. 5.564 municipalities
registry potential
beneficiaries based on
geographic quotas
3. CEF pays
directly to
beneficiaries
REGISTRY, GENERATION OF CARDS AND
PAYMENTS
FAMILIA
PREFEITURA
CAIXA
MDS
Registring of Beneficiaries
Informa
habilitados
por UF
e Município
Define Políticas e
Diretrizes
CADUN
Atribui NIS
e envia arquivo
retorno
Disponibiliza
Formulários
e sistemas
Envia dados
Coleta
dados
famílias
Generating payroll list and electronic card
Digita
dados
famílias
Apropria na
Base Local
Seleciona
Famílias
Gera
Folha
Extrai
Dados
Famílias
Aplica regras
e identifica
habiliitados
SIPAS
Busca valor
benefício
SIBES
Gera
Cartão
SICID
Produz Cartão
e distribui
para Agências
Entrega Cartão,
Cadastra Senha,
efetua
pagamento
MANAGEMENT OF BENEFITS
FAMILIA
PREFEITURA
CAIXA
MDS
Management of Benefits
Regular payments
Define regras
para manutenção
do benefício
SIBES
Disponibiliza
Sistemas
SIBES
Bloqueia,
desbloqueia,
cancela, reverte
cancelamento
Altera
situação do Beneficio
(ON LINE)
Atualiza
dados
famílias
Reflete no
benefício
disponibilizado
Busca valor
benefício
SIPAS
Efetua
pagamento e/ou
esclarecimentos
Payment process
• Municipalities register poor families
•After quality analysis, registered families are validated to
receive benefits prioritizing according to income per capita
•Prioritization made by the Federal Government through
an information system .
• Once benefits are defined, payment cards are generated
and sent to beneficiary families through mail.
•Beneficiary families are included in the payroll list for
payment and verification of compliance
•Families receive a payment calendar
• MDS disburse funds to payment agency to pay benefits
•Municipalities monitor co-responsibilities through an
information system
Withdrawal of benefits
• Families withdraw benefits using an electronic card
• It serves as an identification document of enrollment in
the BFP
• It takes up to 4 months for a family to receive its
electronic card but the goal is reducing the time in half
• Main causes of slow disbursement of electronic cards:
• Problem with families’ addresses
• Families’ mobility
• Inefficiencies in handling and
activation of cards
The Caixa Economica Federal
(Payment Agent)
•The CEF, a public federal bank is the payment
agent of BFP
•The CEF is responsible to struture, managament
and updating the database of the registry of
beneficiaries and execute payment routines
following the guidelines of the Ministry of Social
Development.
Responsibilitis of CEF as payment agent
• Provide the required infrastructure and
organization to manage the Cadatro Único
• Develop information systems for data
processing
• Organize and carry out payment logistics
• Prepare reports for payment reconciliation
•
Official Caixa Economica
bank agencies and branches
•
Lottery ticket outlets,
which, in Brazil, also perform
several financial transactions
•
Commercial
establishments authorized
by Caixa to perform financial
transactions; must display the
“Caixa Here” sign.
•
Automated Teller
Machines (ATM) connected
to Caixa's network under
another bank's supervision.
Outlets to cash benefits
7.482
24.369
1.125
5.569
Total: 38.545
Fonte: CAIXA
Bolsa Familia Program Payments
Payment Amounts: 9.9 million (February 2009)
Pagamentos por Canal
1%
13%
12%
12%
62%
Agência
Unidade Lotérica
Crédito em conta
Auto-Atendimento
Correspondente CAIXA Aqui
BFP seeks to open accounts to 5
million families
1.200.000
1.045.034
1.000.000
800.000
623.887
601.010
600.000
548.597
579.547
400.000
295.429
200.000
4.233
0
Mar.
Jun.
Jul.
Ago.
Set.
Out.
Nov.
PBF'S PAYMENT EFFECTIVENESS
(2003 TO MARCH 2009)
Payment process: Oversight and
Control
• Internal:
• Quality tests (spot checks) to the Cadastro Unico
database
• Cross checks with other Federal Government
databases
• Audits to identify multiple identities
• Incentive to update Cadastro Unico
• Monitoring program coverage
• External:
• Social Control at local level
• Oversight and control at Federal level
Current Logistic Challenges
Regarding Payment of Benefits
• In the region covered by the Amazon Forest there is a
pressing need for expansion of payment channels
available to the families
• About 5% of beneficiaries can not withraw their
benefits either because they do not receve their card or
because there is not available payment point at a
reasonable distance
• Using the BFP to promote banking inclusion, creating
more than 1.4 million checking accounts by
beneficiaries in less than a year (2009)
• Teaching families about financial matters in order to
empower them how to use their benefits in the most
effective manner