Smartcard scheme epitomises the flawed Afghan aid strategy



It must be one of the more crazy developments to emerge out of Afghanistan in the last year, which is saying quite a lot for a country not short of startling news.

The Afghan government announced last week that all citizens will be issued with electronic identity cards within the next five years at a cost of an amazing US$100 million (Dh367 million).

The smartcards are small enough to fit into a wallet and will be kitted with a chip that carries information about the holder's driver license, vehicle registration, a digital signature and whether he or she is registered to vote.

"We consider this a very important initiative for the development of Afghanistan," Amirzai Sangin, the minister of communications and information technology, told reporters at a news conference in Kabul.

In the future the government hopes to expand the card's capability to include an "e-passport" and "e-taxing", he added.

The programme will be paid for by the ministry of finance, which in turn is funded by American and European taxpayers.

The cards would mean fairer and more efficient elections in the future, Mr Sangin said. And this is the crucial point.

The programme may have been announced by the Afghan government but like pretty much everything else in Afghanistan, it reflects the priorities of the European and North American donor nations who are obsessed with the idea of establishing a western-style liberal democracy at any cost, which presumably would allow them to get out of the country as fast as possible.

Technology is meant to work a miracle and achieve what humans have not been able to. Defeat the Taliban and al Qa'eda one Tweet at a time, as it were.

The electronic identity card programme shows how disconnected the people who are supposed to be helping Afghanistan are from ordinary Afghans.

First of all, how will 29 million people be reached to issue the cards considering the appalling state of the roads?

More saliently, how will an identity card stop suicide bombers, provide electricity or improve the life of a woman whose nose and ears are cut off because she shamed her husband?

The basic needs of the Afghan people are incomprehensible to the armies of mostly well-meaning expatriates who have descended on the country over the last decade. The rebuilding of a rural, collectivist, insular and conservative culture is being overseen by people who have been raised in post-industrial, individualistic, capitalist cultures.

Policymakers, diplomats, advisors, consultants, development workers are almost always from countries lucky enough not to have seen any upheaval since the Second World War.

For years no one seemed concerned that the streets of Kabul were piled high with rubbish and its open gutters running with raw sewage, causing a terrible stink and damaging residents' health.

Cleaning up the streets would have been a common sense approach to improving the quality of life for the capital's residents and a wise use of international taxpayers' money, but the bright sparks in the capital always have their own ideas.

One major aid organisation that has been in Afghanistan for a long time last year recruited a "gender training consultant" whose role was to "establish the need to ensure gender equality as significant piece of an inclusive and sustainable 'nation building' process", according to the job vacancy announcement.

This is not to deny what women face in a battered and violent society. Yet men have also suffered the horrors of warfare. They bitterly feel the shame of not being able to provide food and security for their families, which is the first duty of an Afghan man. Do they really need to be shown a power point presentation on women's rights?

Can't we simply accept that equality will take a few generations and a society hungry for food and safety does not have the luxury to think about whether the term "chairman" is offensive? Afghans will change their society - at their own pace. They do not need to be condescended to by a gender training consultant.

In the September parliamentary elections a record number of women, 400 in total, stood for office, competing for the 68 seats reserved for them under Afghan law. The vote was tarred by mass fraud yet the fact that nearly half the population turned out to vote is an indication that people want a state responsive to their needs.

The focus of nation building should be on agriculture, which is an alien concept to urbanised expatriates raised on a diet of microwaved meals.

Approximately 75 per cent of Afghans live in rural areas and are dependent on subsistence farming to survive. Their lives are very similar to peasants in medieval Europe.

The land is littered with landmines and irrigation canals are destroyed because of heavy bombing. I've met plenty of farmers who have asked for help repairing the canals, dams, and the donation of a few shovels to build walls and fences.

The militaries are no better.

Recently, well-meaning Nato soldiers in the south were distributing to children footballs displaying the phrase "Allah uh Akbar", until it was pointed out that an object kicked by feet carrying such a religious phrase was offensive. That ended the football programme.

The waste would be laughable if the stakes were not so high.

The Kabul-based Afghan elite is to blame for terrible corruption, but the western donors are not much better.

From 2001 to 2010, the US spent about $336 billion on the Afghan mission and approximately $60 billion of that was marked for non-military projects, according to an October audit prepared for the US Congress by Arnold Fields, the special inspector general for Afghanistan reconstruction.

But the reconstruction effort was hampered by lack of oversight, no one is sure how the money has been spent or whether any of the projects are sustainable, he wrote. Billions of dollars are unaccounted for.

The creation of a national police force is often cited as critical to making Afghans responsible for their own security but efforts to achieve this goal fall short. An American-sponsored $5.5-million project to build six police buildings in Helmand and Kandahar provinces was so badly executed that the offices were unusable and Mr Fields found they would probably collapse in the event of an earthquake.

Mindboggling amounts of cash are being thrown around on the international development merry-go-round and the value of the money seems to be lost. Most unfortunate of all is that not very much of it is seen by the people who actually need it.

No wonder Afghans are angry and fed up. And western taxpayers deserve better.

Hamida Ghafour is a former senior reporter for The National and author of The Sleeping Buddha - The Story of Afghanistan Through The Eyes of One Family.

At a glance

Global events: Much of the UK’s economic woes were blamed on “increased global uncertainty”, which can be interpreted as the economic impact of the Ukraine war and the uncertainty over Donald Trump’s tariffs.

 

Growth forecasts: Cut for 2025 from 2 per cent to 1 per cent. The OBR watchdog also estimated inflation will average 3.2 per cent this year

 

Welfare: Universal credit health element cut by 50 per cent and frozen for new claimants, building on cuts to the disability and incapacity bill set out earlier this month

 

Spending cuts: Overall day-to day-spending across government cut by £6.1bn in 2029-30 

 

Tax evasion: Steps to crack down on tax evasion to raise “£6.5bn per year” for the public purse

 

Defence: New high-tech weaponry, upgrading HM Naval Base in Portsmouth

 

Housing: Housebuilding to reach its highest in 40 years, with planning reforms helping generate an extra £3.4bn for public finances

Key facilities
  • Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
  • Premier League-standard football pitch
  • 400m Olympic running track
  • NBA-spec basketball court with auditorium
  • 600-seat auditorium
  • Spaces for historical and cultural exploration
  • An elevated football field that doubles as a helipad
  • Specialist robotics and science laboratories
  • AR and VR-enabled learning centres
  • Disruption Lab and Research Centre for developing entrepreneurial skills
South Africa squad

Faf du Plessis (captain), Hashim Amla, Temba Bavuma, Quinton de Kock (wicketkeeper), Theunis de Bruyn, AB de Villiers, Dean Elgar, Heinrich Klaasen (wicketkeeper), Keshav Maharaj, Aiden Markram, Morne Morkel, Wiaan Mulder, Lungi Ngidi, Vernon Philander and Kagiso Rabada.

Company%20profile
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Need to know

The flights: Flydubai flies from Dubai to Kilimanjaro airport via Dar es Salaam from Dh1,619 return including taxes. The trip takes 8 hours. 

The trek: Make sure that whatever tour company you select to climb Kilimanjaro, that it is a reputable one. The way to climb successfully would be with experienced guides and porters, from a company committed to quality, safety and an ethical approach to the mountain and its staff. Sonia Nazareth booked a VIP package through Safari Africa. The tour works out to $4,775 (Dh17,538) per person, based on a 4-person booking scheme, for 9 nights on the mountain (including one night before and after the trek at Arusha). The price includes all meals, a head guide, an assistant guide for every 2 trekkers, porters to carry the luggage, a cook and kitchen staff, a dining and mess tent, a sleeping tent set up for 2 persons, a chemical toilet and park entrance fees. The tiny ration of heated water provided for our bath in our makeshift private bathroom stall was the greatest luxury. A standard package, also based on a 4-person booking, works out to $3,050 (Dh11,202) per person.

When to go: You can climb Kili at any time of year, but the best months to ascend  are  January-February and September-October.  Also good are July and August, if you’re tolerant of the colder weather that winter brings.

Do not underestimate the importance of kit. Even if you’re travelling at a relatively pleasant time, be geared up for the cold and the rain.

'Midnights'
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If you go...

Fly from Dubai or Abu Dhabi to Chiang Mai in Thailand, via Bangkok, before taking a five-hour bus ride across the Laos border to Huay Xai. The land border crossing at Huay Xai is a well-trodden route, meaning entry is swift, though travellers should be aware of visa requirements for both countries.

Flights from Dubai start at Dh4,000 return with Emirates, while Etihad flights from Abu Dhabi start at Dh2,000. Local buses can be booked in Chiang Mai from around Dh50

FINAL RESULT

Sharjah Wanderers 20 Dubai Tigers 25 (After extra-time)

Wanderers
Tries: Gormley, Penalty
cons: Flaherty
Pens: Flaherty 2

Tigers
Tries: O’Donnell, Gibbons, Kelly
Cons: Caldwell 2
Pens: Caldwell, Cross

Election pledges on migration

CDU: "Now is the time to control the German borders and enforce strict border rejections" 

SPD: "Border closures and blanket rejections at internal borders contradict the spirit of a common area of freedom" 

Specs

Engine: 51.5kW electric motor

Range: 400km

Power: 134bhp

Torque: 175Nm

Price: From Dh98,800

Available: Now

Formula Middle East Calendar (Formula Regional and Formula 4)
Round 1: January 17-19, Yas Marina Circuit – Abu Dhabi
 
Round 2: January 22-23, Yas Marina Circuit – Abu Dhabi
 
Round 3: February 7-9, Dubai Autodrome – Dubai
 
Round 4: February 14-16, Yas Marina Circuit – Abu Dhabi
 
Round 5: February 25-27, Jeddah Corniche Circuit – Saudi Arabia
Find the right policy for you

Don’t wait until the week you fly to sign up for insurance – get it when you book your trip. Insurance covers you for cancellation and anything else that can go wrong before you leave.

Some insurers, such as World Nomads, allow you to book once you are travelling – but, as Mr Mohammed found out, pre-existing medical conditions are not covered.

Check your credit card before booking insurance to see if you have any travel insurance as a benefit – most UAE banks, such as Emirates NBD, First Abu Dhabi Bank and Abu Dhabi Islamic Bank, have cards that throw in insurance as part of their package. But read the fine print – they may only cover emergencies while you’re travelling, not cancellation before a trip.

Pre-existing medical conditions such as a heart condition, diabetes, epilepsy and even asthma may not be included as standard. Again, check the terms, exclusions and limitations of any insurance carefully.

If you want trip cancellation or curtailment, baggage loss or delay covered, you may need a higher-grade plan, says Ambareen Musa of Souqalmal.com. Decide how much coverage you need for emergency medical expenses or personal liability. Premium insurance packages give up to $1 million (Dh3.7m) in each category, Ms Musa adds.

Don’t wait for days to call your insurer if you need to make a claim. You may be required to notify them within 72 hours. Gather together all receipts, emails and reports to prove that you paid for something, that you didn’t use it and that you did not get reimbursed.

Finally, consider optional extras you may need, says Sarah Pickford of Travel Counsellors, such as a winter sports holiday. Also ensure all individuals can travel independently on that cover, she adds. And remember: “Cheap isn’t necessarily best.”

Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

The%20specs
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SPECS
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Skewed figures

In the village of Mevagissey in southwest England the housing stock has doubled in the last century while the number of residents is half the historic high. The village's Neighbourhood Development Plan states that 26% of homes are holiday retreats. Prices are high, averaging around £300,000, £50,000 more than the Cornish average of £250,000. The local average wage is £15,458.