These are exciting times for those of us in the business of measuring financial inclusion. Technology is remaking the financial system every couple of years — and we're adapting the Global Findex survey questions accordingly. Our new data, which we're launching in April 2018, features bundles of new questions on financial services accessed through mobile phones and the internet.
We started collecting data for the first round of the World Bank's Global Findex database — measuring how adults in more than 140 countries worldwide save, borrow, and make payments — in 2010. Back then, our survey asked people about their use of paper checks.
Mobile money was so nascent that we had a few questions about mobile payments, but nothing about mobile money accounts. That came later, with the vastly expanded mobile money module in the 2014 Global Findex.
While Bhutan has seen immense growth along with impressive reductions in poverty, it remains a predominantly agriculture-based society, with the majority of the population relying on agriculture for their livelihoods. Most of the country’s arable land is cultivated by small farm holdings – an average size of 1.2 hectares – which produce most of the crop and livestock. However, despite importing 34% of its cereal needs, nearly one out of three Bhutanese suffer from food insecurity. Additionally, nearly 27 percent of Bhutanese households consume less than the daily minimum calorific requirement of 2,124 kcal, resulting in nearly 30 percent of the population facing malnourishment and related health issues such as stunting, or children that are too short for their age.
To help improve the county’s agricultural productivity and better meet the nutrition needs of its people, we recently launched of the Food Security and Agricultural Productivity Project (FSAPP) with the government of Bhutan. The project is designed to reduce the country’s reliance on food imports, help combat malnutrition in children, while improving agricultural productivity. It will assist farmers in five selected dzonkhags (districts) to diversify and enhance agriculture through better cultivation and sales and marketing of their products.
How could the project really be transformational for farmers in Bhutan? The project builds on past efforts where the farmers were assisted with production inputs and equipment. It seeks to transform subsistence farming toward commercialization by boosting production and forging direct links to the market. The new project will also provide opportunities for the farmers to work together, form farming collectives, and create a unified voice to negotiate with agro-entrepreneurs for better terms for their goods.
A growing number of students in South Asia and Sub-Saharan Africa are enrolled in private primary or secondary schools. The World Development Report 2018 (on which I was a co-author) highlighted an array of potential benefits and risks associated with broad provision of basic education by the private sector. “The key challenge for policy makers is to develop a policy and regulatory framework that ensures access for all children, protects families from exploitation, and establishes an environment that encourages education innovation. Managing a regulatory framework to achieve this is difficult: the same technical and political barriers that education systems face more generally come into play.”
For many Pacific Island countries, natural disasters such as cyclones and tsunamis, are an all-too common occurrence. Out of the top 15 most at-risk countries for natural disasters globally, four are Pacific Island countries, and Vanuatu is consistently at the top.
In 2015, Cyclone Pam hit Vanuatu, and knowing the extent of damage was vital for the government to identify and plan reconstruction needs. A team of Unmanned Aerial Vehicle (UAV) experts were sent out to quickly establish credible estimates of the damages and losses. Many damage reports were already available from the field, but with varying quality, and the challenge was to consolidate and verify them, within a very tight timeframe. Cloud cover also prevented us from getting satellite images, so we mobilized two UAV teams to fly below the clouds and capture high-resolution footage showing the impacts on the ground in the worst affected islands in Tafea and Shefa province.
Challenges continued throughout, from needing to coordinate airspace with those flying relief goods into affected areas, to transferring massive datasets over low internet bandwidths. But with team-effort and ingenuity, solutions were found; the UAV teams were able to capture valuable damage footage within sampled areas during the day, which were analysed overnight by volunteers of the Humanitarian Open Street Map (HOT) and the Digital Humanitarian Network; new workflows were developed to collate the data and to feed the outputs into the Post-Disaster Needs Assessment.
In search of answers, we spoke with the leaders of the World Bank’s Global Program for Safer Schools (GPSS), who have recently launched an innovative tool, the Roadmap for Safer Schools. This roadmap is a guide to design and implement systematic actions to improve the safety and resilience of school infrastructure at risk from natural hazards.
Earlier this year in Hatton, I met a group of talented, young adults who had just participated in a social innovation pilot program. They were enthusiastic and dynamic, brimming with potential. But the potential to realize that potential was going to be influenced along gender lines; the expectations and obligations to the families were the most important determinants.
I heard about some of these challenges. One girl had an ailing mother at home and was responsible for her care; another struggled to study on weekends while working on weekdays, with both activities requiring long commutes. One young lady, T. Priya, who had just graduated from university with a BA, told me she was currently unemployed because she was determined to wait for the right job—which to her, meant joining the public sector. You’d be amazed at how often I have heard this from young Sri Lankans. Unfortunately, as we all know too well, there are only a limited number of these positions available.
Among its findings is that women like Priya, despite having high educational attainments (university level or higher), still queue for a limited number of public sector jobs which raises their rates of unemployment. Government jobs are seen as offering more flexible hours and financial security than private sector jobs.
Another issue is that the burden of household responsibilities and chores fall disproportionately on women. When women got married, it made it harder, not easier, for them to go to work, and this was only exacerbated when women had children.
For men, the situation is somewhat different. As of 2015, marriage lowered the odds of Female Labour Force Participation by 4.4 percentage points, while boosting men’s odds by 11 percentage points.
But I think the roots of this problem go deeper, and start early. Young girls learn that it’s not important to be good at maths or sciences and many more pursue degrees in humanities and the arts, widely considered gender appropriate, rather than in the technical skills that are in demand in the private sector and growing industries.
This is only one way in which we limit our daughters.
Ukraine is not a newcomer to the world of science and technology. One positive legacy from the country’s Soviet history is a talented and technically qualified workforce that persists even today. Eighty percent of 19-25 year-old Ukrainians are enrolled in universities, the country has one of the largest pools of IT developers and programmers in the world – 90,000 strong – and its high-skilled diaspora has spread through Europe and North America. As a result, the country has a booming ICT sector, estimated at $2.5 billion in exports in 2015, and is home to globally competitive startups such as Looksery, which was bought by Snapchat for $150 million in 2015, PetCube, and others. On the surface, the country has the ingredients and the potential to be an innovation-driven economy.
Marcos Ribeiro almost has tears in his eyes, as he explains the huge opportunities he sees for modern, ecologically mindful agriculture to us, a visiting World Bank team. The young tropical fruit producer is standing in front of his small farm, some 15 km outside of Palmas, the capital of Tocantins, Brazil’s youngest state.