Idrees Khawaja

PIDE SLUDGE AUDIT VOL – 1

WHAT IS SLUDGE IN THE ECONOMY? Social scientists use the term sludge for excessive or unjustified frictions that make it difficult for people to achieve what they want to or to do as they wish (Sunstein, 2021). These frictions make processes difficult to navigate and entail burdens.Examples of the sludge include: Complicated application forms. Duplicative …

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Internet Cable Installation – PIDE Sludge Series

OBJECTIVES OF THE SLUDGE SERIES To highlight the sludge involved in different activities Induce the concerned agencies to work for reducing sludge To pin down areas where sludge can be reduced; by shortening the process or through digitization

Setting-Up a Pharmacy in Islamabad – PIDE Sludge Series

OBJECTIVES OF THE SLUDGE SERIES To highlight the sludge involved in different activities Induce the concerned agencies to work for reducing sludge To pin down areas where sludge can be reduced; by shortening the process or through digitization

Trade License – PIDE Sludge Series

OBJECTIVES OF THE SLUDGE SERIES To highlight the sludge involved in different activities Induce the concerned agencies to work for reducing sludge To pin down areas where sludge can be reduced; by shortening the process or through digitization

Construction Permit For High-Rise From Capital Development Authority, Islamabad

It takes almost 3 years to seek approval of the CDA for the construction of a high-rise building. The biggest source of sludge comes from the NOC required from Civil Aviation Authority and the Environmental Protection Agency – the two agencies together take around 1.5 years (9 months each) to allow construction of a high-rise …

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Housing Finance

Primary Issue The banks are not used to extending mortgage finance – building capacity and introducing efficiency in the process will require bold initiatives, suitable legal framework (enacting and implementing foreclosure law in spirit and training bank staff). Sources of Sludge A major source of sludge is the ‘inspection of the property by the bank …

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