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South Asia

Enabling digital financial inclusion for rural women: emerging findings from India

Shobha Shetty's picture
"Pehle to bank jaane se bhi dar lagta tha, aur ab hum bank wali didi ban gaye hain’’ (Earlier I used to be afraid of stepping into a bank branch but now I am called a bank representative!). These are the words of Nidhi Kumari, aged 24 who hails from a Baheri Village in Darbhanga district of Bihar. You cannot help but notice the pride and new-found self-confidence behind her wide smile.

Nidhi is one of over 1500 Banking Correspondent Agents (BCAs) under the World Bank’s (IDA $500M) National Rural Livelihood Project (NRLP) in India that supports the Government’s National Rural Livelihood Mission (NRLM) in 13 high poverty states.
Nidhi Kumari at her BC Kiosk serving customers in her village. Photo courtesy: Jeevika.

Agent-based branchless banking in India is not new and has been around for over a decade. Given that there are over 650,000 villages in India and that less than 10 percent of villages have bank branches[i], an ICT-enabled alternate channel is now a dire necessity to enable greater financial inclusion. This agenda got a further boost when the Government of India launched the  Pradhan Mantri Jan Dhan Yojana (PMJDY) in 2014 to boost financial inclusion. To date, over 310 million PMJDY bank accounts (basic savings bank accounts) have been opened with 53 percent of these accounts now being held by women.

چگونه دولت افغانستان خدمات صحی با کیفیت را برای افغانها فراهم مینماید؟

World Bank Afghanistan's picture
Also available in: English | پښتو
A local woman has brought her eight-month-old son to the Baidari Hospital in eastern Jalalabad city for vaccination.
یک خانم پسر هشت ماهه اش را جهت واکسیناسیون به شفاخانه بیداری در شهر جلال آباد اورده است. عکس: شرکت مشورتی رومی/بانک جهانی

باوجود تداوم نا امنی ها در جریان ۱۵ سال گذشته، افغانستان در راستای تأمین خدمات صحی با کیفیت برای شهروندان این کشور به پیشرفت های قابل ملاحظه دست یافته است، که میتوان بطور نمونه از پیشرفت در قسمت صحت و سلامتی مادران و اطفال یاد کرد. گسترش دامنۀ خدمات صحی به دور دست ترین نقاط این کشور، به خصوص برای دوردست و محروم در نتیجۀ یک مشارکت مبتکرانه دولت با موسسات غیر دولتی فراهم گردیده است.

به منظور درک بهتر تحلیل دست آورد ها در سکتور صحت و پایه گذاری شاخص های عمده به منظور ارزیابی خدمات صحی، ما نشستی را با غلام دستگیرسعید، یکتن از متخصصین ارشد صحت در بانک جهانی و نویسنده گزارش اخیر تحت نام   بهبود درعرضه خدمات  صحی در افغانستان با وجود مشکلات ناامنی طرح ریزی نموده و یک سلسله پرسش های را قرار شرح ذیل مطرح ساختیم.

د افغانستان دولت څنګه د افغانانو لپاره ښه روغتيايي خدمتونه برابروي؟

World Bank Afghanistan's picture
Also available in: English | دری
A local woman has brought her eight-month-old son to the Baidari Hospital in eastern Jalalabad city for vaccination.
یوې میرمنې په جلال آباد ښار کې خپل ماشوم د واکسین په موخه د بیداري روغتون ته راوستۍ ده. انځور: د رومي مشورتي شرکت/ نړیوال بانک

په تېرو ۱۵ کلو کې، پر روانې ناامنۍ سربېره، افغانستان د خپلو خلکو،‌ په ځانګړي ډول ښځو او کوچنيانو، د روغتيا ښه کولو په برخه کې منظم پرمختګ کړی. روغتيايي خدمات له نادولتي موسسو سره د ګډو نوښتيزو هڅو په مرسته په لرې پرتو سيمو کې غريبو محلاتو ته غځېدلي دي.

پدې د پوهېدو لپاره چې څه شي د دغو روغتيايي لاسته راوړنو په برخه کې مرسته کړی، موږ په کابل کې د نړيوال بانک د روغتيا له مشر کارپوه، غلام دستګير سعيد، سره چې د تازه چاپ شوي، په افغانستان کې د روغتیایی خدمتونو د وړاندي کولو ښه والی د ناامني له شتون سره سره، په نامه راپور يو ليکوال هم دی، غږېدلي يو.


How has Afghanistan achieved better health for its citizens?

World Bank Afghanistan's picture
Also available in: پښتو | دری
A local woman has brought her eight-month-old son to the Baidari Hospital in eastern Jalalabad city for vaccination.
A local woman has brought her eight-month-old son to the Baidari Hospital in eastern Jalalabad city for vaccination. Photo Credit: Rumi Consultancy/ World Bank

Over the last 15 years—despite continuing insecurity—Afghanistan has made steady progress to improve the health of its citizens, especially women and children. Health services have expanded as far as remote areas to reach underserved communities thanks to innovative partnerships with Non-Governmental Organizations (NGOs).

To understand what underpins such health gains, we sat down with Ghulam Dastagir Sayed, Senior Health Specialist at the World Bank and one of the authors of the recently published report Progress in the Face of Insecurity.  

Encouraging more women to take part in regional trade

Mandakini Kaul's picture

Across South Asia, women represent a hugely underutilized source of growth. In fact, the South Asia region has some of the world’s lowest rates of female labor force participation - only 36%. Even where women work, they are mostly confined to less-remunerative low-skill jobs, and remain excluded from most trading activity. To make it easier for more women to work in all fields of endeavor, World Bank projects in the region have begun to look at development projects through a more gender-focused perspective.
One such area is regional trade and connectivity. After a long hiatus, the political momentum for cooperation within the eastern region is growing, especially in the Bangladesh Bhutan India Nepal (BBIN) corridor.  The Indian government’s Act East Policy, combined with the new Motor Vehicles Act that allows vehicles to cross the BBIN border with ease, represent a unique opportunity to reimagine inclusive growth by enabling more of the region’s women to benefit from this corridor.

Accordingly, the South Asia Regional Trade Facilitation Program (SARTFP), an Australian government-funded program being implemented by the World Bank, seeks to improve the conditions for women to trade between these nations and to create more remunerative livelihoods.

Regional cooperation in conservation: South Asia shows the way

Andrew Zakharenka's picture
Illegal trade in wildlife and conservation often were not considered high priority for countries of the South Asia Region. In the first ever attempt, the governments of Bangladesh, Nepal, and Bhutan joined forces to strengthen regional cooperation for wildlife conservation. And it was a successful one.

The regional project assisted the governments in building and enhancing shared capacity and institutions to tackle illegal wildlife trade across their borders and invest in habitat and wildlife conservation of critically endangered species. It was clear from the onset that these issues would require both national leadership and regional coordination.
Launched in 2011, the project initially had a delayed start. Yet, by December 2016, when the project ended, it became clear that governments coordinated efforts successfully. The three countries participated in regular joint action planning and practice-sharing meetings, signed protocols for and cooperated in transboundary actions, as well as held consultations and public events at the local, national, and international levels.
The project supported conservation programs of dozens of endangered species, including crocodiles being released here into the wild. Sundarban area, 2014

How one province in Pakistan is looking to digital jobs for its youth

Anna O'Donnell's picture
Hamza Khan, a Trainee Website Developer
Hamza Khan is a trainee website developer that has benefitted from KP'sYouth Employment Program

Pakistan’s Khyber Pakhtunkhwa province, or KP, has not always been recognized as a digital economy. Sharing a border with Afghanistan, the province experienced a period of instability and militancy over several decades that saw outmigration and the decline of private industries. Since then, the province has shown rapid economic growth, advancements in security, improvements in basic health and education, and a renewed sense of optimism.

Today, around half of the province’s population of 30.5 million is under the age of 30, necessitating rapid growth and job creation. In 2014, the Government of Khyber Pakhtunkhwa partnered with the World Bank to develop a strategy for job creation centered on leveraging the digital economy to address youth unemployment.

Digital KP
Digital KP”, that outlines a program on digital development that promotes youth inclusion and job creation.

Fast forward to 2018, and the province of Khyber Pakhtunkhwa has launched a comprehensive digital strategy, called “Digital KP”, that outlines a program on digital development, with a core objective to promote youth inclusion in the digital economy. Within this broader digital strategy is a strong focus on promoting job creation for youth.

Addressing youth employment through the digital economy has three key building blocks:

জলবায়ু পরিবর্তনের সাথে কি সুন্দরবন এলাকায় মাছের প্রাপ্যতা কমবে?

Susmita Dasgupta's picture

মাতৃমৃত্যু বা শিশু মৃত্যু কমানোর মতো বাংলাদেশের স্বাস্থ্য খাতে বহু অর্জন থাকা সত্ত্বেও  দেশের অসংখ্য মানুষ অপুষ্টির শিকার। দেশের প্রায় ৩৩-৩৬ শতাংশ শিশু এবং ১৯ শতাংশ মহিলা অপুষ্টিতে ভুগছে।  অপুষ্টির হার স্বভাবতই দরিদ্র এবং নিম্নবিত্ত  পরিবারগুলোতে বেশি ।  ওয়ার্ল্ড ফিশ এবং বিভিন্ন গবেষণা সংস্থা জানিয়েছে অপুষ্টির সমাধান  রয়েছে বাঙালির চিরন্তন ঐতিহ্য "মাছে  ভাতে"। নানা ধরণের ছোট মাছ শরীরে ফ্যাটি এসিড, ভিটামিন ডি, এ, বি, ক্যালসিয়াম, ফসফরাস, আয়োডিন, জিঙ্ক, আয়রন এর ঘাটতি মেটায়। তাই অপুষ্টি এড়াতে নিম্নবিত্ত পরিবারের খাবারের তালিকায় নানা  রকমের টাটকা মাছ - বিশেষত ছোট মাছের পরিমান বাড়াতে হবে। 

পরিবেশ উষ্ণায়নের সাথে সাথে কিন্তু মাছের যোগান পাল্টাবে । 
পরিবেশ উষ্ণায়নের সাথে সাথে পৃথিবীতে সমুদ্রের উচ্চতা বাড়ছে - জানিয়েছে জলবায়ু পরিবর্তন বিষয়ে বিশেষজ্ঞ আন্তর্জাতিক প্যানেল (আই,পি, সি, সি). গত কয়েক দশক ধরেই প্রতি বছর অগ্রহায়ণ থেকে শুরু করে জ্যৈষ্ঠ মাস পর্যন্ত দক্ষিণ পশ্চিম উপকূলবর্তী  এলাকায়  নদী  নালায় নোনা পানির সমস্যা দেখা যাচ্ছে।  বিশ্বব্যাংক এবং ইনস্টিটিউট অফ ওয়াটার মডেলিং বাংলাদেশে তাদের গবেষণা প্রতিবেদনে (River Salinity and Climate Change: Evidence from Coastal Bangladesh) জানিয়েছে সমুদ্রের উচ্চতা বৃদ্ধির কারণে ইছামতি, বলেশ্বর, শিবসা, পশুর, আধারমানিক সহ বিভিন্ন নদী এবং সংলগ্ন খাল বিলে  নোনা  পানির সমস্যা শুকনো মৌসুমে আরো বাড়বে| ফলে, দক্ষিণ  পশ্চিম উপকূলবর্তী   অনেক উপজেলায় মিঠা  পানির মাছের প্রাকৃতিক আবাস কমে যাবে।  স্বভাবতই এর ফলে  মিঠা পানির মাছের যোগান কমবে।

இலங்கை மகளிர் முன்வர தயங்க வேண்டுமா?

Seshika Fernando's picture
Also available in: English | සිංහල
Women in Sri Lanka routinely experience sexual harassment in the workplace. Some have been denied promotions, been paid less than their male peers, and sexually harassed at work
இலங்கையில் பெண்கள்  அவர்கள் பணியிடங்களில் துன்புறுத்தல்களை எதிர்கொள்வது வழமையான விடயமாக காணப்படுகின்றது.

நான் பணிபுரியும் நிறுவனத்தில் பணியில் அக்கறையற்ற நபர்களிற்கு  இடமில்லை என்ற கடுமையானகொள்கையை பின்பற்றுகின்றோம் .தங்கள் சக பணியாளர்களை வம்பிற்கு இழுக்கும் கேலி செய்யும் நபர்களிற்கு இடமில்லை என்பதே இதன் அர்த்தம்.எங்கள் பணியாளர்கள் ஏனையவர்களின் தனிப்பட்ட விடயங்களிற்குள் தலையிடுவதில்லை. அழைப்பில்லாத தனிப்பட்ட தொடர்புகளை ஏற்படுத்துவதில்லை.இலங்கையில் பெண்கள்  அவர்கள் பணியிடங்களில் துன்புறுத்தல்களை எதிர்கொள்வது வழமையான விடயமாக காணப்படுகின்றது.ஆனால் இது போன்ற கொள்கைகள் ஒரு பாலினத்திற்கு மாத்திரம் சார்பாக காணப்படுவது இல்லை.ஆண்கள் இதன் நன்மையை அனுபவிக்கின்றனர்.

துரதிஸ்டவசமாக எனது நிறுவனத்தின் கொள்கை என்பது விதிமுறை என்பதை விட தனித்துவமானது.சமீபத்தில் பெண் பொறியியலாளர்களை சந்தித்து அவர்களின் அனுபவங்களை கேட்பதற்கான வாய்ப்பு கிடைத்தது.ஒருவர் களப்பணிகளிற்கு செல்வது எவ்வளவு கடினமானதாக காணப்படுகின்றது என தெரிவித்தார். தனது ஆண் சக தொழிலாளர்கள் தன்னை மதிக்க விரும்பாததாலும் தனது வழிகாட்டுதல்களை செவிமடுக்க விரும்பாததாலுமே இந்த நிலை காணப்படுவதாக அவர் தெரிவித்தார். ஏனைய பெண்களிற்கு பதவி உயர்வு மறுக்கப்பட்டுள்ளது, 

Sheshika Fernando addressing the gathering at an international conference
நான் சர்வதேச தொழில்நுட்ப மாநாடுகளில் அடிக்கடி எனது நிறுவனத்தை பிரதிநிதித்துவம் செய்கின்றேன்.


அவர்களுக்கு அவர்களது ஆண்சகாக்களை விட குறைவாகவே ஊதியம் வழங்குகின்றனர் அவர்கள் பாலியல்ரீதியிலான துன்புறுத்தல்களை எதிர்கொள்ளவேண்டியுள்ளது.

ශ්‍ර‍ී ලාංකික කාන්තාව තවදුරටත් පසුපස අසුන් ගත යුතුද?

Seshika Fernando's picture
Also available in: English | தமிழ்
Women in Sri Lanka routinely experience sexual harassment in the workplace. Some have been denied promotions, been paid less than their male peers, and sexually harassed at work
ශ්‍ර‍ී ලංකාවේ කාන්තාවන් නිරතුරුව රැකියා ස්ථානවලදී හිංසනයන්ට ගොදුරු වන අතර සමහර කාන්තාවන් උසස්වීම් අහිමි ව ගොස්, සිය පුරුෂ වෘත්තීය සගයින්ට වඩා අඩු වේතන ලැබී, ලිංගික හිංසනයන්ට ද ලක්ව තිබිණ.

මා සේවය කරන සමාගමෙහි දැඩි "අවහිර නොකිරීමේ" ප්‍රතිපත්තියක් පවතී. ඉන් අදහස් වන්නේ, තමන්ගේ සහෝදර සේවක-සේවිකාවන්ට හිරිහැර කිරීමට හෝ සමච්චල් කිරීමට කිසිවකුට ඉඩක් නොමැති බවයි. අපගේ සේවකයින් එකිනෙකාගේ පෞද්ගලික අවකාශයන් ආක්‍රමණය නොකරන අතර අනාරාධිත පෞද්ගලික සම්බන්ධතා ඇති කරගැනීමට උත්සුක නොවේ. ශ්‍ර‍ී ලංකාවේ කාන්තාවන් නිරතුරුව රැකියා ස්ථානවලදී ලිංගික හිංසනයන්ට ගොදුරු වන නමුත් මෙවැනි ප්‍රතිපත්ති අනුග්‍රහය දක්වන්නේ එක් පාර්ශවයකට පමණක් නොවේ. පුරුෂ පාර්ශවයද මෙහි ප්‍ර‍තිලාභ භුක්ති විඳිති.

අවාසනාවකට මෙන්, මගේ සමාගමේ ප්‍රතිපත්තිය නීතියක් නොව ව්‍යතිරේකයකි. මෑතකදී මට මෙරට කාන්තා ඉංජිනේරුවන් හමුවී ඔවුන්ගේ අත්දැකීම් විමසන්නට අවස්ථාවක් ලැබුණි. එක් තැනැත්තියක් මට කීවේ ඇයගේ රැකියාව කෙතරම් අභියෝගයට ලක් වන්නේ ද යන්න ය. ඇයගේ පුරුෂ වෘත්තීය සගයින් ඇයට ගරු කරන්නට හෝ ඇයගේ මග පෙන්වීම් පිළිගන්නට කැමැත්ත පළ කොට තිබුණේ නැත. අනෙකුත් කාන්තාවන් උසස්වීම් අහිමි ව ගොස්, සිය පුරුෂ වෘත්තීය සගයින්ට වඩා අඩු වේතන ලැබී, ලිංගික හිංසනයන්ට ද ලක්ව තිබිණ.

Sheshika Fernando addressing the gathering at an international conference
මම නිතරම ජාත්‍යන්තර තාක්ෂණික සමුළුවලදී මගේ සමාගම නියෝජනය කරන්නෙමි. සෑම විටම පාහේ ප්‍රේක්ෂාගාරය පිරී පවතින්නේ පුරුෂයින්ගෙනි. නමුත් මම මගේ කතාව ඉදිරිපත් කරන විට, එය ස්ත්‍රී කේන්ද්‍රීය වේදිකාවකි.