<figure><img width="2048" height="1536" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221114101144/63720e669c7e80680e0b7915jpeg.jpg" alt=""/><figcaption>Gita Adhikari giving sewing machines to women from the Muslim community.</figcaption></figure>Gita Adhikari, the deputy mayor of Damak, quit her job as assistant campus chief of Damak Multiple Campus when she was nominated by the UML to run in the 2017 local elections.  Adhikari says she will complete the reform work that she initiated by running for mayor in this <a href="https://www.nepalitimes.com/editorial/think-nationally-vote-locally/">May's elections</a>. “I am running for mayor this election,” says Adhikari, “There is no Plan B.” In Nepalganj, deputy mayor Uma Thapa Magar founded and has led a collective of deputy mayors and chairs from eight municipalities across Banke that meets regularly to facilitate interpersonal as well as district-wide cooperation between local representatives and bodies. “My five year term gives me the experience to run for mayor this time,” says Magar, who was a journalist before entering politics. Vice-chair Ekmaya BK, of Banke’s Khajura village is banking on voters to recognise her accomplishments during the election in May and vote her to the leadership position. “I am confident that my constituents who have closely followed my work will make the right decision at the polls,” says BK.Sarala Bolkhe of Bakaiya village in Makwanpur was elected vice-chair even as her running mate lost the chairmanship to their challengers, and is positive that she will be voted in as chairperson this time. <figure><img width="503" height="545" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221114101144/63720e6a9c7e80680e0b7916jpeg.jpg" alt=""><figcaption> </figcaption></figure>Meanwhile, Parvati Sunuwar, the vice-chairperson of Sindhuli’s Fikal rural Municipality who oversaw progress in <a href="https://www.nepalitimes.com/here-now/birth-and-death-during-a-pandemic/">maternal health</a> as well as women’s participation in her village, is banking on residents to vote her in as chairperson after having unsuccessfully run for chairperson in 2017.A recent survey conducted by the <a href="https://tarangini.org.np/">Tarangini Foundation</a>, a women's rights training center, found that 80% of the 200 women holding deputy mayor and deputy chief positions want to run for the top position in the 2022 elections in May.These female local government representatives have been encouraged by the success of local government projects under their leadership, particularly ones that have focused on the <a href="https://www.nepalitimes.com/latest/women-leaders-set-example-for-rest-of-nepal/">socio-economic empowerment of women in their communities</a>, as well as the inclusion of underserved and vulnerable communities in local-level development.In Jhapa’s Damak, community schools are being adapted for female students and <a href="https://www.nepalitimes.com/opinion/changing-disability-to-this-ability/">persons with disabilities</a>. A state level disability rehabilitation center is also in the works. Women in Damak have been trained in manufacturing Dhaka, while the local government prepares to create a market for the goods.Such work has been made easier because vice-chairs are in-charge of the local government’s budget committees. “A third of our budget is allocated for vulnerable groups, and we spend 22% of the earmarked funds for the socio-economic empowerment and awareness of women,” says deputy mayor Adhikari.Read also: <a href="https://www.nepalitimes.com/latest/nepals-local-governments-lead-from-the-front/">Nepal’s local governments lead from the front</a>, Masta KCIn Bajhang’s Thalara Rural Municipality, vice-chair Gangudevi Khadayat set about forming women’s groups across the village as soon as she was elected. "I personally attend the women’s group meetings so that I have a firsthand account of the problems that the women face,” Khadayat says. Some of residents of this municipality belonging to the Gandharva and Wadi communities had been involved in sex work, and several of them had been reduced to <a href="https://www.nepalitimes.com/latest/to-beg-borrow-of-steal/">begging</a>. Under Khadayat's leadership, more than 400 men from these communities are now daily wage workers, while women operate small businesses. The Chhau sheds where <a href="https://www.nepalitimes.com/editorial/that-time-of-the-month/">women are traditionally banished during menstruation</a> have also all been demolished.In Nuwakot’s Dupcheshwor village, vice-chair Anju Acharya formed women’s groups as soon as she was elected, conducting awareness programs as skill-based training to counter unemployment in her constituency.“We have begun to identify and involve members of the community in alternative forms of employment,” says Acharya. “The work may not be tangible as some of the bigger infrastructure projects, but the income and self-reliance this has afforded our community is tremendous.” <figure><img width="2048" height="1152" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221114101144/63720e6c9c7e80680e0b7917jpeg.jpg" alt=""><figcaption> </figcaption></figure>Jumla's Tila Rural Municipality has focused on <a href="https://www.nepalitimes.com/latest/covid-undermines-nepals-mother-child-gains/">maternal and child health</a>, collecting data on pregnant women and children up to two years old. Tila vice-chair Vishnu Budha, runs a program to provide nutritious food to pregnant women and winter clothes for children, and runs a 'nutrition message' program to make families aware of the services that the local government provides. The municipality provides incentives to families that have undergone permanent sterilisation after having one child, which has directly contributed to the decreasing numbers of children with malnutrition in the village.“We were also able to end the practice of Chhau after many awareness and discussion programs with male family members, as well as other local leaders and healers in the community,” explains Buda.One of the more significant achievements of local government in Nepal has been constitutionally mandated three-member Judicial Committees which has granted the power to local Deputy Chiefs who head the committees to resolve 13 types of civil and 11 other types of minor disputes through reconciliation without cases having to be taken to court.Read  also: <a href="https://www.nepalitimes.com/banner/local-government-by-the-people-for-the-people-of-the-people/">Local government by the people, for the people, of the people</a>, Ramesh KumarIn Dhangadi, Deputy Mayor Sushila Mishra Bhatt played a significant role in introducing the Gender Equality and Social Inclusion Policy 2020 before the federal government issued a similar nation-wide policy a few months later. Bhatta’s government has particularly focused on mobilising the judicial committee in her constituency. “The responsibility of our judicial committee is not just limited to sending petitions to court, but to serve those seeking justice who have been unable to <a href="https://www.nepalitimes.com/latest/nepals-transition-to-peace-needs-justice/">access Nepal’s judicial mechanism</a> in the first place,” says Bhatta. “Social and legal awareness and mobilisation are our top priority.”"We have spoken to many victims of domestic violence for hours—such calls and interactions often go on late into the night,” adds Dhangadi’s Deputy Chief Bhatta.These women-led judicial committees have been able to solve disagreements across the country, from settling land and financial disputes in Siraha to reconciling families on the verge of separation and divorce through counselling services in Bardia. They have also prevented child marriage in Panchthar and addressing domestic violence in Doti.Bhatta, the deputy mayor of Dhangadi, handles disputes in the Judicial Committee, monitors ongoing community projects every fiscal year, meets with dozens of other sub-committees, all the while participating in various state-level programs.Read also: <a href="https://www.nepalitimes.com/here-now/nepals-women-envoys-make-a-mark/">Nepal’s women envoys make a mark</a>, Pratistha Rijal“Although they have had to juggle many responsibilities under the federal system, from solving disputes as heads of the judicial committees, Nepal’s women deputy mayors and chiefs have done an incredible job so far,” says Prabha Baral, head of the central women's department of the Nepal Municipal Association and mayor of Chitwan’s Rapti municipality. Across Nepal’s local levels, most women deputies are now sufficiently trained and equipped to lead their villages and municipalities. In 2017, most women were relegated to being a deputy because political parties were only looking to fulfill a requirement: to nominate token women either to the position of chair or deputy chair of the local governments. But this time, following their performance in the last five years, many women deputies now command the attention of both the political parties and voters in the lead up to the second local elections under the federal government on 13 May.Says National Assembly member Bimala Rai Paudyal: “Had our Constitution not made it mandatory for women to be involved in local governments, these important and impactful developments would have been limited to mere words on paper.”Read also: <a href="https://www.nepalitimes.com/banner/women-moving-nepals-climate-activism/">Women moving Nepal’s climate activism</a>, Sewa BhattaraiJanmakanya Khatri, who was elected the vice-chair of Jumla’s Sinja Rural Municipality in 2017, is one of many locally-elected officials who has not had any formal education.“Girls were not sent to school when I was a child,” says Khatri, who travels across her village to spread awareness about the importance of educating women. “I have always felt that I would be respected more had I been able to read and write.”Sinja is among eight rural municipalities in Jumla. Along with Khatri, three other deputy chairs in the Kankasundari, Guthichaur and Patrasi deputy chairs have not received any formal education. Khatri says her inability to read and write has severely hampered her ability to do her job. “There have been many laws and policies made for the local level, but to me, those words on paper might as well be a foreign language,” she adds. What worries her most is making decisions and signing documents based on second-hand information, as others dictate important documents and directives. Khatri is constantly plagued by worry over whether she has made sound decisions.Khatri is adamant that educated women from Nepal’s rural communities be given the opportunity to run for political leadership in May.Read also: <a href="https://www.nepalitimes.com/latest/women-leaders-set-example-for-rest-of-nepal/">Women leaders set example for rest of Nepal</a>, Laxmi BasnetIn constituencies across Karnali and Madhes, local leaders who are unable to read and write have been hoodwinked by other parties.Advocate Indu Tuladhar, who has been working for the rights of Nepal’s locally elected officials, identifies illiteracy as the major reason that prevents elected officials from doing their jobs."There has long been debate about whether academic qualification should be a criteria for those who decide to run for office,” says Tuladhar. “ Nepal’s political parties require a deeper understanding of the role education plays in local governance.” Nunuta Rai and Krishnamaya Upadhyaya contributed to this report.Translated by Shristi Karki from the Nepali original published on Himalkhabar monthly. Read more: <a href="https://www.nepalitimes.com/here-now/all-politics-is-local/">All politics is local</a>, Sahina Shrestha

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Deputies drive development in rural Nepal

<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111410118/637205999c7e80680e0b28c6jpeg.jpg" alt="" width="1920" height="1080"/><figcaption>When the only ambulance in Diprung Chuichumma could not attend to all the emergencies, Chair Bhupendra Rai himself drove the infected to health centres.</figcaption></figure>KhotangLast year, as Nepal plunged headlong into <a href="https://www.nepalitimes.com/banner/the-real-cost-of-nepals-second-wave/" target="_blank" rel="noopener noreferrer">the second wave</a> of Covid-19, cities around the country including Kathmandu Valley announced lockdowns, and people of Diprung Chuichumma Rural Municipality of Khotang streamed back home.The people were home, but they also brought the virus with them. The only ambulance in the municipality could not attend to all the emergencies, so Chair Bhupendra Rai donned a PPE and started driving the infected to the health centre in his own car. Sometimes, he would go door-to-door carrying patients on his back to the car.The municipality set up a 25-bed isolation centre, ramped up awareness campaigns, and carried out antigen tests. Vice-chair Sapana Rai was equally involved. Those who couldn’t be treated inside the municipality were taken to hospitals in Kathmandu and  Biratnagar.“We entered politics for the people. So, when they were suffering, we couldn’t just sit back and relax, we had to be hands-on in serving them and taking the lead from the front,” Bhupendra Rai told us on the phone from Khotang as he waits for word on <a href="https://www.nepalitimes.com/banner/dance-of-democracy/" target="_blank" rel="noopener noreferrer">the date for local elections slated for April</a>.This <a href="https://www.nepalitimes.com/latest/nepals-local-governments-lead-from-the-front/" target="_blank" rel="noopener noreferrer">local government team was proof</a> that elected grassroots politicians understand the need of their area, are more accountable, and are willing to serve their constituents.The Omicron surge is spreading, but this time there are not as many cases of Covid-19 in the village. But the Rais are not taking any chances. The municipality has increased the number of antigen tests and encouraged the infected to isolate at home.<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111410118/6372059c9c7e80680e0b28c7jpeg.jpg" alt="" width="2048" height="1152"><figcaption> </figcaption></figure>Kathmandu may have a shortage of cetamol painkillers, but there is plenty stockpiled here to meet villagers’ needs. And the municipality has deployed health volunteers to accelerate the vaccination drive.“Whoever could walk to the centre are all vaccinated, now we need to reach those who cannot come on their own,” says Rai.As schools nationwide remained closed during the lockdown, the municipality deployed more than 200 teachers with masks on who went house-to-house tutoring students. It also bought produce from local farmers who could not take it to market due to the lockdown and distributed to needy families. This ensured food security as well as income for the local farmers.When Bhupendra Rai was elected in 2017, there were not enough roads in his rural municipality. Every monsoon, the constituency would be locked in as the Sunkosi and Sapsi river flooded. Today, a motorable bridge connects this remote village to the rest of the country. Every household has electricity and access to drinking water.“All this would not have been possible without the local elections and local representatives in place, it forced us to perform,” says Rai.Tehrathum<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111410118/6372059f9c7e80680e0b28c8jpeg.jpg" alt="" width="2048" height="1149"><figcaption> </figcaption></figure>To the east in Laligurans Municpality, Tehrathum Mayor Arjun Mabuhang also worked on connectivity as soon as he got elected five years ago. Having seen <a href="https://www.nepalitimes.com/uncategorized/elected-contractors/">rampant corruption in road contracts</a>, Mabuhang got the municipality to buy its own excavators to build roads with the help of locals, cancelling out middlemen.“Now all the wards have roads and there is ownership amongst the people because they themselves were involved in building them,” says Mabuhang.He also introduced a program to upgrade agriculture by supporting dairy farmers and offering grants for vegetable and fruit farming, poultry, and pig farms. The roads helped get the produce to market.Says the mayor: “Because I am from here and I myself have seen the ground reality and know what the people here need, I work in the areas that benefit the people most. We did what we could with the budget we were given, but we need to work more on improving schools.”Sindhupalchok<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111410118/637205a39c7e80680e0b28c9jpeg.jpg" alt="" width="960" height="720"><figcaption> </figcaption></figure>In Sindhupalchok’s Jugal Rural Municipality, Deputy Chair Srijana Tamang has been single-mindedly working on improving education. As a child, she remembers walking for hours from home to school and back. In winter night fell quickly on her way home, and during the monsoon she would be covered from head to toe in leeches.When she was elected five years ago, one of the first things Tamang and Chair Hom Narayan Shrestha worked on was to appoint new teachers and upgrade school buildings, some of them destroyed in the earthquake.Having worked as a social worker in the past, Tamang recognised the priority areas for her rural municipality, and her background and familiarity with the people helped her not only gain an edge during the elections but prepared her to deal with the problems of her community.“When I was elected, I really wanted to prioritise roads and education, but <a href="https://www.nepalitimes.com/latest/rural-nepal-fights-back-covid-19/" target="_blank" rel="noopener noreferrer">the pandemic meant we had to address more urgent issues</a>,” adds Tamang, who offered RT PCR testing and monitored the spread of the disease, turning a local school into an isolation centre. With Omicron, Tamang believes the people are more aware, and better prepared.“The pandemic was the first big challenge for me as a local representative,” says Tamang. “But knowing that we are working for our people and our families, there is always a greater sense of responsibility.”In 2020, while Tamang was away on official business, a <a href="https://www.nepalitimes.com/here-now/deadly-monsoon-in-nepal-turns-deadlier/" target="_blank" rel="noopener noreferrer">massive landslide at Lidi</a> killed 39. She travelled overnight to help with the rescue and relief effort and got support to rehabilitate those made homeless. She got geologists to prepare a disaster risk map of her municipality to prevent future disasters, and prepare for them.Jhapa<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111410118/637205a69c7e80680e0b28cajpeg.jpg" alt="" width="2048" height="1536"><figcaption> </figcaption></figure>Jhapa’s, Kamal Rural Municipality has the distinction of being among <a href="https://www.himalkhabar.com/news/125595?fbclid=IwAR1g00nElAMlIzStd-FiN7M-f6PZ1H3KQXE6V0f8Y4ztDNxclOSJ9KWQPZs" target="_blank" rel="noopener noreferrer">four of the 753 municipalities around the country ranked cleanest</a> in budget disbursement by the Office of Auditor General. It is a well-deserved recognition for Chair Menuka Kafle for whom tackling leakage and corruption was a priority.For any project with a budget over Rs5 million, the municipality went through a strict tender process. It also stopped giving out advances for projects and kept track of expenditure.“For the others to follow the rules, we had to lead by example, so we made sure that we were meticulous about accounting,” says Kafle.Over the last five years, the rural municipality has constructed more than 70km of roads, upgraded bridges, and ensured that all wards have electricity. Kafle distributed carts to women fruit and vegetable vendors and launched income generation activities for women.“When women are economically independent, they don’t have to depend on others and can make their own decisions,” says Kafle.The municipality offered cash incentives to encourage pregnant women to visit health centres for regular check-ups and registration of new-borns. When Kafle first got elected, many people in the community <a href="https://www.nepalitimes.com/latest/is-democracy-too-expensive-for-nepal/">did not believe that a woman could run the office</a>.During important meetings people would ignore her and seek out the male Deputy Chair. These days Kafle is in high demand.<img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111410118/637205a99c7e80680e0b28cbjpeg.jpg" alt="" width="1080" height="486">Says Kafle: “We women who are in power have to work hard to build trust in the community and do everything within our power so that women who come after us don’t face so much difficulty.”

Sahina Shrestha

All politics is local

<img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221114091156/637203569c7e80680e0b2802jpeg.jpg" alt="" width="2802" height="1904"/> After watching Don’t Look Up on a bootleg channel this week, the Ass has come to the happy conclusion that compared to a direct hit with Planet Earth by a comet in the not too unforeseeable future, all our current travails in Nepal seem far away.We worry about many things in Kathmandu: the tragic state of politics, the sewage flowing out of water taps, and the daily commute through Jadibuti Intersection. But in the cosmic scale of things, however, these are inconsequential. And that makes me feel much more upbeat about Nepal.Even a global crisis like climate change pales into insignificance when we contemplate the impending impact with the planet of a heavenly body the size of Dasrath Rangashala.In fact, if you believe in reincarnation like some of us do, then global warming will cease to be a worry since some of us may be reborn in a much cooler place next time round.So, the choice is between sitting idly by waiting for the world to end either with a bang, or a whimper. Or, as a poet once put it so eloquently, whether the earth will end in fire, or ice.Don’t know about you, but I would still rather work to reduce the impact of climate change so that the end is swift. For which we must:1. Breathe sparingly. Every breath we take consumes precious atmospheric oxygen and gives off carbon dioxide, which is a greenhouse gas. Make every molecule count by being breathless.2. The Himalaya will warm 0.7 degrees faster than the global average this year because of all the hot air generated during the party conventions. Nepal must immediately pledge to the UNFCCC a renewed Nationally Determined Contribution (NDC) to limit all political harangues to less than 5 minutes.3. Organise tantric rituals and make animal sacrifices to appease the gods. Oh, wait, can’t do that. We’re secular.4. Create an artificial shortage of petrol, diesel and LPG, but I notice that our hyperactive grabberment has already thought of that.5. All sodas contain dissolved carbon dioxide, so at happy hour this evening, quaff your double whiskey neat.6. Burping releases greenhouse gases so burp in moderation.7. There are an estimated 32 million flatulent cattle in Nepal, and if all of them felt free to pass wind at will, our glaciers do not stand a chance. And we are not even counting yaks and water buffaloes here, and we all know how embarrassing those two can be in polite company. The Ass is willing to make any sacrifice necessary to reduce its carbon footprint.

Ass s

Things are looking up

<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111016110/636d128a9c7e80680e0a98ddjpeg.jpg" alt="" width="750" height="1083"/><figcaption>The south face of Mt Gauri Shankar (7,134m) on the border between Nepal and China is bare rock, and shows how dramatically the snowline has receded, and the glaciers have shrunk. Photo: KUNDA DIXIT</figcaption></figure>The COP26 climate jamboree ends in Glasgow on Friday, and already it looks like the best world governments are prepared to offer in terms of emission cuts is not enough to stave off an environmental catastrophe.There were a slew of national, international and multinational pledges for <a href="https://www.nepalitimes.com/latest/net-zero-is-not-zero/" target="_blank" rel="noopener noreferrer">net zero</a>, but activists fear allegations that the targets are vague and over-ambitious greenwash that they have no intention of meeting.The result could be global average temperatures soaring to up to 3oCelsius above pre-industrial levels, with catastrophic results. The <a href="https://www.nepalitimes.com/banner/a-terrifying-assessment-of-himalayan-melting/" target="_blank" rel="noopener noreferrer">Himalaya will warm even faster</a>, and scientists say it could lose up to two-thirds of its remaining ice during this century.Read also: <a href="https://www.nepalitimes.com/latest/nepals-greenwashing-in-glasgow/" target="_blank" rel="noopener noreferrer">Nepal's greewashing in Glasgow</a>, Rashmi Baskota<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111016110/636d128d9c7e80680e0a98dejpeg.jpg" alt="" width="3000" height="671"><figcaption> </figcaption></figure><figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111016110/636d12909c7e80680e0a98dfjpeg.jpg" alt="" width="1500" height="568"><figcaption> </figcaption></figure>On Tuesday in Glasgow, Nepal unveiled three <a href="https://www.nepalitimes.com/banner/blueprint-for-a-net-zero-nepal/" target="_blank" rel="noopener noreferrer">ambitious targets</a>, and without waiting for others to say it, boasted that it was the ‘highest climate ambition country’.In its three-point pledge, Nepal said it would:<ul><li>Start reducing emission from 2022 and be carbon negative after 2045</li> <li>Halt deforestation and increase forest cover to 45% by 2030</li> <li>Ensure all vulnerable people are protected from climate change by 2030</li></ul>In Kathmandu, environmental activist Bhushan Tuladhar welcomed the new targets, saying they were “ambitious but doable” but one which will require a serious review of our normal development pathway.“We can’t look at the commitments as just reduction of carbon emission, but as an investment for our economy and health. Now let’s walk the talk and get to work,” Tuladhar told Nepali Times.A good start would be for the government to order that all official vehicles purchased from now on will be <a href="https://www.nepalitimes.com/latest/e-vehicles-prepare-for-post-lockdown-boom/" target="_blank" rel="noopener noreferrer">battery powered</a>, and encourage public transport operators to electrify their bus fleets and by reducing taxes and setting up charging stations, he added.<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111016110/636d12939c7e80680e0a98e0jpeg.jpg" alt="" width="1500" height="1000"><figcaption> </figcaption></figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111016110/636d12979c7e80680e0a98e1jpeg.jpg" alt="" width="1500" height="1061"><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111016110/636d129a9c7e80680e0a98e2jpeg.jpg" alt="" width="1500" height="1000">The pledges have been criticised as being too vague on protecting all ‘vulnerable people by 2030’ and annual reduction of emissions till net-zero by 2045 will hinge on implementation, on which Nepal has always been weak. The <a href="https://www.nepalitimes.com/latest/nepal-can-up-forest-cover-to-45-by-2030/" target="_blank" rel="noopener noreferrer">forestry target</a>, however, is seen to be achievable.The targets are also conditional upon financial support, and Nepal will require $46 billion to implement them from 2022-2030, which is 24% of national GDP, and the government can fund only about 2% of this sum.Amrit Nakarmi, an adviser at the Energy Development Council who prepared the long-term strategy report, says that Nepal is unlikely to meet the targets without climate funds.“We contribute only 0.5% of total global carbon emissions and even within that  only 30% is anthropogenic, 20% is natural and the remaining 50% is transboundary, so us reducing <a href="https://www.nepalitimes.com/latest/nepal-doubles-its-carbon-footprint/" target="_blank" rel="noopener noreferrer">our carbon footprint</a> will not make much of a difference to the global climate,” explains Nakarmi.“But having said that we can replace our fossil fuel imports with clean hydroelectricity and cut our import bill,” he adds. “Electrification of the economy is urgent, and government policies should be in line with our targets and the private sector should be involved.”<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111016110/636d129d9c7e80680e0a98e3jpeg.jpg" alt="" width="1800" height="1050"><figcaption> </figcaption></figure>Climate finance and payments for Nepal’s carbon sink from <a href="https://www.nepalitimes.com/banner/who-now-owns-nepals-forests/" target="_blank" rel="noopener noreferrer">expanded forest cover</a> will take time to materialise. But experts say we should not wait for the money, and start with low-cost effective mitigation measures locally.Cooking via electricity has now become much cheaper than LPG, and many urban families have transitioned to induction stoves. But 90% of households across Nepal are hooked to only 5amp current which is only enough for lighting. If the transmission can be upgraded, Nepal could save at least Rs33 billion a year by replacing its <a href="https://www.nepalitimes.com/opinion/look-whats-cooking-in-nepal/" target="_blank" rel="noopener noreferrer">cooking gas imports</a> with electricity.Nepalis have paid nearly Rs10 billion in pollution tax for every litre of petrol or diesel at the gas stations in the last decade. This money could be used to buy  electric public buses. Increasing the petroleum excise tax could fund conversion to renewables.Nepal would also save Rs21 billion a year by reducing its petroleum import bill by just 10% if it <a href="https://www.nepalitimes.com/here-now/cleaner-air-with-greener-buses/" target="_blank" rel="noopener noreferrer">converted public buses to battery-operated vehicles</a> while also increasing domestic consumption of clean electricity and improving air quality. If the transport sector is electrified, experts believe net-zero by 2045 is possible.Water scientist Madhukar Upadhya believes Nepal can also increase forest cover to 45% by 2030 (from the current 37%) by controlling forest degradation due to encroachment, deforestation and reducing wildfires.But Upadhyay is puzzled by the third target on protecting vulnerable people. “We just don’t have the infrastructure, knowledge or expertise to achieve climate resilience for vulnerable people by 2030,” he asserts.“Nepal experienced extreme weather this year,<a href="https://www.nepalitimes.com/banner/himalayan-floods-a-sign-of-worse-to-come/" target="_blank" rel="noopener noreferrer"> droughts and floods destroyed crops</a>, lack of water is creating climate refugees, wildfires have become nationwide,” Upadhyay adds. “These are not just headlines anymore, we are experiencing them ourselves, what are we doing to address these challenges? Nepal has taken no action to reduce or control them.”<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111016110/636d12a09c7e80680e0a98e4jpeg.jpg" alt="" width="1200" height="900"><figcaption> </figcaption></figure>Other areas that can be cleaned up with existing technologies and local resources include industries, agriculture and waste management. The cement industry is booming in Nepal, and they are big carbon emitters. By switching to electricity, Nepal could mitigate emissions. Rice farming generates methane, which is a greenhouse gas, so converting to the System of Rice Intensification (SRI) could reduce our contribution to climate change.Kathmandu’s only <a href="https://www.nepalitimes.com/banner/a-load-of-rubbish/" target="_blank" rel="noopener noreferrer">landfill in Sisdole</a> has reached maximum capacity and an alternative site has been in talks for decades. Landfills add to methane emissions, but there has been no commitment to composting and biogas using biodegradable urban waste.After overdosing on <a href="https://www.nepalitimes.com/banner/climate-change-is-a-disaster-in-the-nepal-himalaya/" target="_blank" rel="noopener noreferrer">climate news</a> for two weeks just to be side-lined until the next COP, we might want to recall another one of our targets, the Sustainable Development Goals (SDGs) by 2030. Half of the 17 goals in SDGs will be directly affected by the impact of climate change, and yet these initiatives are working in isolation when in fact they should coordinate and collaborate for the same goal: sustainable and just future.Says environmentalist Tuladhar: “There are two things to do right after Glasgow: explain the nitty-gritty of the commitments we made and immediately implement short-, mid- and long-term strategies to achieve them. Start with the low hanging fruit, what we can immediately do, and there are plenty of them.”

Sonia Awale

COPOUT at COP26

<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110141148/636d01db9c7e80680e0a364djpeg.jpg" alt="" width="1500" height="1000"/><figcaption></figcaption></figure>“Countries knock at our doors all the time for capital, as it is getting harder and harder to obtain development funds. We are holding $500 million for Nepal. We cannot wait forever. When will it be the right time for Nepal?”Fatema Z Sumar, Vice President of Compact Operations at the Millennium Challenge Corporation (MCC) appeared mystified about why a country like Nepal that needs all the help it can get to develop its infrastructure, should be so hesitant about the grant her government is offering.Sumar was on the final day of her <a href="https://www.nepalitimes.com/latest/mcc-row-rocks-nepals-ruling-coalition/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/latest/mcc-row-rocks-nepals-ruling-coalition/&amp;source=gmail&amp;ust=1631579093888000&amp;usg=AFQjCNHAfb7xioCyDtl5OJ53aqyeI5-LuA">four-day visit to Nepal</a> on Sunday, speaking at an engagement with opinion makers. There was a litany of questions from across the table, and Sumar sounded like someone who is getting somewhat jaded answering the same questions over and over again in Kathmandu.“No, the MCC is not part of the <a href="https://www.nepalitimes.com/editorial/between-two-oceans/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/editorial/between-two-oceans/&amp;source=gmail&amp;ust=1631579093888000&amp;usg=AFQjCNFfIGiI1YhN4TBrqt-_uVwcnhLEPg">Indo-Pacific Strategy</a> and there is no US Army involvement.”“This is a treaty between two countries and has gone through the Obama, the Trump and now the Biden administrations.”“In order to make this a treaty, the Nepal government wanted to ratify it through Parliament. So, we are waiting for that.”Sumar was a former assistant secretary for South and Central Asia at the US State Department before joining the MCC. Her family is Malaysian Indian, so she understands the region well, but she was hearing in Nepal some of the same political rhetoric that led to the Sri Lankans cancelling the MCC last year for being ‘against the national interest’.MCC makes three types of grants: compacts, threshold programs and concurrent compacts for regional investment. Nepal’s grant is a five-year compact agreement with the MCC that allows an eligible country to fund specific programs targeted at reducing poverty and stimulating economic growth.The concept of the MCC is to make US development assistance ‘smarter’, and to study a country’s bottlenecks so that catalytic investment can allow it to take an economic leap. A panel of Nepali and American experts concluded in 2017 that increasing hydropower transmission capacity and upgrading highways would be most cost-effective, at a time when the country was suffering 12-hour daily power cuts.When a country applies for a grant from the MCC, the board examines its performance based on 20 policy indicators, and selects based on policy performance. The MCC says its grants are given to country-driven and country-led investments and infrastructure priorities for achieving sustainable economic growth and poverty reduction, and Nepal qualified.<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110141148/636d01df9c7e80680e0a364ejpeg.jpg" alt="" width="1500" height="998"><figcaption>MCC vice president Fatema Sumar (third from left) with Prime Minister Deuba on Saturday at Baluwatar. Photo: PMO</figcaption></figure>So far MCC has approved $13.7 billion in compacts and $631 million in threshold programs worldwide. After Sri Lanka pulled out, Nepal is the only South Asian country on the list of <a href="https://www.nepalitimes.com/editorial/a-millennium-challenge/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/editorial/a-millennium-challenge/&amp;source=gmail&amp;ust=1631579093888000&amp;usg=AFQjCNHcCgQFuOb2-re-ZURkglqZhwDvTg">MCC-approved compacts</a>.“The $500 million we are holding for Nepal is money not given to other countries which need to get out of poverty,” said Sumar’s colleague Jonathan A Brooks at the interaction. Although Brown said he had no idea where the confusion about the MCC having a military component comes from, a <a href="https://www.nepalitimes.com/editorial/knowing-whats-good-for-nepal/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/editorial/knowing-whats-good-for-nepal/&amp;source=gmail&amp;ust=1631579093888000&amp;usg=AFQjCNHV-jTWUQwTz4eLLTh_R5gdfjVGwQ">comment by US Under Secretary of State David J Ranz</a> in 2019 that the MCC was indeed a part of the US <a href="https://www.nepalitimes.com/editorial/between-two-oceans/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/editorial/between-two-oceans/&amp;source=gmail&amp;ust=1631579093888000&amp;usg=AFQjCNFfIGiI1YhN4TBrqt-_uVwcnhLEPg">Indo-Pacific Strategy</a> did a lot of self-inflicted damage.Sumar and Brooks fielded <a href="https://www.nepalitimes.com/latest/post-truth-politics-in-nepal/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/latest/post-truth-politics-in-nepal/&amp;source=gmail&amp;ust=1631579093888000&amp;usg=AFQjCNEL3a5V092kNi8iXts-zWiYBTZWOA">other questions</a> that had become familiar to them during their stay in Kathmandu with answers like: the agreement with Nepal prohibits army involvement, security issues are totally for Nepal government to oversee, the compact has no provisions that contradict Nepal’s laws, the project is not above Nepal’s Constitution, and international law would apply to resolve any disputes.A major chunk of the $500 million MCC grant will go to build the Kathmandu-Hetauda-Butwal 400KV transmission line to distribute 3,000MW which will come on stream in the next three years from new <a href="https://www.nepalitimes.com/opinion/decentralising-hydropower/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/opinion/decentralising-hydropower/&amp;source=gmail&amp;ust=1631579093888000&amp;usg=AFQjCNGKA68VJytSmPpVqeXiamgpi0kCgQ">hydropower plants</a>. The line will also connect to a high-capacity electricity corridor to Gorakhpur so Nepal can <a href="https://www.nepalitimes.com/latest/mcc-row-damages-nepals-credibility/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/latest/mcc-row-damages-nepals-credibility/&amp;source=gmail&amp;ust=1631579093888000&amp;usg=AFQjCNEoVnLVfqbE4et0DScH8cbve0ffag">sell surplus monsoon electricity</a> to India in future.This week, the Nepal Electricity Authority (NEA) signed an agreement with the state-run Power Grid Corporation of India (POWERGRID) for the Butwal-Gorakhpur cross border transmission line extension in anticipation of the MCC project being completed.Sumar has seen several changes in government after she started coming to Nepal for the MCC. Prime Minister Sher Bahadur Deuba and his predecessor K P Oli were both in favour of the MCC, but other Communist partners in the ruling coalition are against it.As a descendant of an immigrant family herself, Sumar says she understands that poverty is not insurmountable, and can be prevented with the right government investment at the right time. She calls herself a “development diplomat”, and feels that economic growth built on better infrastructure would also bring Nepal stability.“The MCC will create many thousands of jobs for Nepalis at a time when the pandemic is creating losses of jobs and livelihoods,” she says, adding that when President John F Kennedy launched a major global drive to help developing countries in the early 1960s, Nepal was one of the first countries to receive the support.The criteria Nepal fulfilled to receive the MCC grant was its democratic polity, guarantees of basic freedoms, and protection of human rights. Sumar underlined the fact that the MCC would also help Nepal put renewable energy infrastructure in place that could be an example for a world coming to terms with climate change.The MCC project has become a victim of <a href="https://www.nepalitimes.com/editorial/knowing-whats-good-for-nepal/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/editorial/knowing-whats-good-for-nepal/&amp;source=gmail&amp;ust=1631579093888000&amp;usg=AFQjCNHV-jTWUQwTz4eLLTh_R5gdfjVGwQ">extreme political polarisation</a> as opponents to K P Oli used the MCC to unseat him, and now it threatens to split the ruling coalition. The anti-MCC rhetoric had been so effective in convincing the cadre and public that it is anti-national, that even supporters in Deuba’s Nepali Congress, Oli’s UML and other public figures and intellectuals are afraid to speak in favour.Social media is full of posts that say Nepal will become ‘another Afghanistan’ if Parliament ratifies the MCC. But now that Sumar and her MCC team has left, the ball is back in the court of the political class in Kathmandu to ensure that <a href="https://www.nepalitimes.com/here-now/power-politics-delays-mcc-in-nepal/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/here-now/power-politics-delays-mcc-in-nepal/&amp;source=gmail&amp;ust=1631579093888000&amp;usg=AFQjCNHlQppZeGXNXQbC5_D2GZNFz2URgw">Nepal has the capacity</a> to distribute the electricity it generates in future.

MCC ball in Nepal’s court

<figure><img width="1024" height="768" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110141144/636d00f79c7e80680e0a3605jpeg.jpg" alt=""/><figcaption>Mujahideen guides took us to the northernmost part of the Panjshir Valley. All photos: LISA CHOEGYAL</figcaption></figure>Kids playing on rusted tanks abandoned by the retreating Russians, war debris comfortably incorporated into stone walls to contain sheep and goats, and flickering green flags of the martyrs’ graves, too many graves, under a cloudless sky.These are the enduring images of the Panjshir Valley, wild flowers, willows and orchards lining the clear streams beneath the grand arc of barren hillsides, rocks and caves used to hide the resistance fighters loyal to Ahmad Shah Massoud, the legendary ‘Lion of Panjshir’.Nestled deep within the Hindu Kush, Massoud’s faithful foot soldiers, the fierce unforgiving geography and its defendable narrow entrance enabled the Panjshir Valley to hold out against waves of invasions — the Soviet Union in the 1980s and <a href="https://www.nepalitimes.com/banner/nepal-and-the-talibans-second-coming/" target="_blank" rel="noopener noreferrer">the Taliban</a> in the 1990s.  <img width="980" height="968" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110141144/636d00f99c7e80680e0a3606jpeg.jpg" alt="">In 2001, just two days before the 9/11 terrorist attack in New York, the revered commander of the former Northern Alliance, lover of poetry and mujahideen leader was targeted by al Qaeda and the Taliban, assassinated by a bomb detonated by two Arabs posing as journalists in one of his Panjshir forts. This week, it will be 20 years since his assassination and the 9/11 attacks that brought American retaliation on al Qaeda bases in Afghanistan. <figure><img width="1200" height="1600" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110141144/636d00fc9c7e80680e0a3607jpeg.jpg" alt=""><figcaption> </figcaption></figure>‘More than five years after his assassination Massoud remains a national hero to many Afghans,’ <a href="http://content.time.com/time/subscriber/article/0,33009,1555018,00.html" target="_blank" rel="noopener noreferrer" data-saferedirecturl="https://www.google.com/url?q=http://content.time.com/time/subscriber/article/0,33009,1555018,00.html&amp;source=gmail&amp;ust=1630819742846000&amp;usg=AFQjCNFkxM3nfPq5FiSkPCxlayXccFIi-Q">Time</a> magazine wrote in 2006. 'Passengers at Kabul airport are greeted by a mural of him standing several stories high. Massoud’s place in history is assured by the fact that he was arguably the most brilliant practitioner of guerrilla warfare in the late 20th century.’ High praise in a country where rebel insurgency has been honed into an art form over the turbulent centuries.These Panjshir fields and villages are currently holding out against the Taliban’s otherwise successful swoop throughout <a href="https://www.nepalitimes.com/here-now/afghanistan-abandoned/" target="_blank" rel="noopener noreferrer">Afghanistan</a>, the last stand for freedom in a nation gripped with uncertainty and fear, tribal recriminations and revenge that have festered over the past twenty years. This time the young Ahmad Massoud has stepped into his famous father’s shoes to lead the resistance from their Panjshir stronghold.Panjshir Valley lies in the northeast of Afghanistan, and in October 2005 we travelled through it to the furthest northern border in search of trekking and tourism ideas that would benefit local homeowners, guides, horsemen and crafts people. My hopeful notes show that our suggestions included Afghan village guesthouses, the Mir Samir trek ‘a short walk in the Hindu Kush’, a five-day hike ‘in the footsteps of Massoud’ circuit, visitor information, and a saddlebag and blanket weaving enterprise.One of the issues to overcome in rural <a href="https://www.nepalitimes.com/here-now/afghans-in-nepal-await-resettlement/" target="_blank" rel="noopener noreferrer">Afghanistan</a> was to persuade our hosts that they must charge money for tourist services. So powerful are the traditions of hospitality (‘guest is god’), sharing what little they have, that taking payment for what we consider normal tourism services such as meals, accommodation and guiding was an alien concept which they struggled to accept. <figure><img width="1024" height="768" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110141144/636d00ff9c7e80680e0a3608jpeg.jpg" alt=""><figcaption> </figcaption></figure>“Your visit here was at a time when there was hope and great expectations for the country,” remembers Ali Azimi, our Asian Development Bank client and an Afghan American with deep-rooted insider networks within the community. In Kabul he always seemed to know when and where there would be trouble, much better informed than the United Nations security system who was nominally responsible for us. He insisted on accompanying me to Panjshir to help “find ways to put money in pockets of village folks through tourism initiatives”. <figure><img width="768" height="1024" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110141144/636d01029c7e80680e0a3609jpeg.jpg" alt=""><figcaption> </figcaption></figure>As we drove out of town in a large white vehicle bristling with antenna and aerials, we failed to feel an earthquake which shook the city. Leaving behind the acrid fragrance of war, Ali Azimi morphed from his usual persona of a neatly-bearded grey-suited ADB executive into the country’s ubiquitous flowing robes of anonymity.  I tried, no doubt less successfully, to blend in with scarves and shalwar kameez. It was <a href="https://www.nepalitimes.com/banner/ramadan-in-exile/" target="_blank" rel="noopener noreferrer">Ramadan</a>, the time of fasting, but as travellers the rules did not strictly apply. ‘Mobile sex’ was the SUV’s call sign, but Ali was happy to lose contact once the signal weakened in the countryside, preferring to rely on local knowledge of his Panjshir guides, hand-picked former mujahedin of course, who joined us soon after entering the valley.These fighters were hard-core, the trauma of years of mountain combat etched into their weathered faces and wild eyes. They prayed at every shrine, honoured every grave, showed us their hideouts, revealed their hunting trails, took us into their homes, unrolled their carpets, shared their food, played with their children, and talked with urgent low voices on flat mud roofs under the stars in Dari which I could not understand.  It all made sense when Ali explained that our two mujahideen friends were Massoud’s personal bodyguards, his most trusted elite, still haunted by the guilt of the day they waited outside their commander’s room having admitted the ‘journalists’ with a deadly device concealed in the television camera. <figure><img width="1600" height="1200" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110141144/636d01069c7e80680e0a360ajpeg.jpg" alt=""><figcaption> </figcaption></figure>Part of the TRC Tourism team of Kiwi and Nepali consultants, we worked in Afghanistan for ADB and the Aga Khan Development Network on three missions in 2005, 2006 and 2008 that included Kabul, Bamyan, Band-i-Amir lakes, Wakhan Corridor and the Panjshir Valley. Ali wrote recently: ‘You will be pleased to know your recommended ecotourism policy is being practiced in Band-i-Amir.’ Most of all we remember the harsh beauty of the landscape, the unexpected warmth of its people caught in an eternal loop of historical conflict, and hearing the chilling tales of horror under Taliban rule.Twice we arranged for groups of Afghan officials and tour operators to visit Nepal’s ecotourism models in 2009 and 2011, including the governor of Bamyan, Hariba Sarabi, a remarkable Hazara woman who was part of the Doha peace talks.  <figure><img width="640" height="480" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110141144/636d01099c7e80680e0a360bjpeg.jpg" alt=""><figcaption> </figcaption></figure><figure><img width="2048" height="1536" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110141144/636d010b9c7e80680e0a360cjpeg.jpg" alt=""><figcaption> </figcaption></figure>The Nepal trips to study sustainable tourism were led by my New Zealand-funded Bamyan ecotourism project colleague, Amir Foladi. The work included a visitor centre dedicated to the <a href="https://www.nepalitimes.com/opinion/piecing-together-afghanistans-bamyan-buddhas/" target="_blank" rel="noopener noreferrer">remains of the Buddhas of Bamyan</a>, carefully collected by UNESCO. Foladi showed me tragic metal pieces from the explosives that destroyed these 6th century monumental statues in 2001, still embedded amidst the mud and plaster fragments which are all that is left - except the massive blank empty niches. <figure><img width="640" height="480" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110141144/636d010f9c7e80680e0a360djpeg.jpg" alt=""><figcaption> </figcaption></figure>Throughout the catastrophic drama of last week’s departure following the Taliban takeover, it is impossible not to mourn for an Afghanistan that might have been. The progress over the last two decades, however imperfect, is dissipated. Particularly <a href="https://www.nepalitimes.com/latest/i-may-not-be-alive-by-the-time-i-am-evacuated/" target="_blank" rel="noopener noreferrer">the fate of women</a> is desperately unclear.One ray of light amidst the grief and despair of the withdrawal is that my friend Foladi and his ecotourism teammates have arrived in Auckland, six Afghan families evacuated to safety through the chaos of Kabul airport by the New Zealand Defence Force just 24 hours before the fatal bomb. They are the lucky ones, so many left behind to face a frighteningly unreliable future.

Lisa Choegyal

A short walk up the Panjshir

<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/2022111015118/636d06a19c7e80680e0a5f74jpeg.jpg" alt="" width="1500" height="1000"/><figcaption>Photo: AMIT MACHAMASI</figcaption></figure>The pandemic has thrown a wrench into the global economic machine, curtailing growth in many parts of the world. Governments and businesses are now directing all of their energy toward restoring the old normal and the pre-pandemic growth rate. And yet, our policy mantra really should be the opposite: ‘No going back’.After all, in the pre-pandemic world, we were hurtling toward the very end of human existence on this planet, owing to climate change, the concentration of wealth in fewer and fewer hands, and the development of artificial intelligence (AI) applications that will render more and more of the remaining hands redundant.Scientists have long been warning us that runaway global warming will sharply limit our time on this planet. The countdown has already begun. Humanity has made itself an endangered species. It would be suicidal to return to the pre-pandemic world. Why should we get back on a track that will lead us off a cliff?Now that so much of the economy has stopped, there is no better time to reorient it in a different direction. The pandemic has created an opportunity to chart a new course to a world defined by three zeros: net-zero carbon dioxide emissions, zero poverty, and zero unemployment.Redesigning the system is our only option. We are prolonging a party in a burning house, celebrating economic growth and our technological miracles, and dancing to songs of prosperity. The songs keep us complacent about the fact that our party is what started the fire.Young people around the world realise this and have been trying to shut it down and extinguish the flames. Teenagers have been marching and demanding change. Some openly accuse their parents of stealing their future. Governments at least have shown awareness by announcing net-zero targets, just as businesses have signed on to the Sustainable Development Goals.But how much of this is real, and how much of it is public relations? A true commitment would entail a fundamental change in our economic thinking, and an end to pursuing GDP growth for its own sake. This new thinking would force us to acknowledge the dangerous world we have created and compel us to address the steady accumulation of wealth at the top, which comes at the expense of so many at the bottom.As matters stand, governments continue to follow their usual politically safe path. They are announcing environmental goals, but not acting with any apparent urgency. No country is showing any real concern about wealth concentration or AI. It has thus fallen on ordinary people, particularly the young, to mobilise against a broken status quo.Capitalism is based on the assumption that human beings are driven by self-interest. This nostrum will need to be reformulated to reflect what human beings are actually like. I would say that people are driven partly by self-interest but mostly by collective interest.The assumption that only self-interest matters is what led economists to lay the intellectual foundation for corporate profit-maximisation. But once one acknowledges the role of collective interest, this model no longer holds. We will need a new framework for business.A firm driven by collective interest doesn’t need the individual profit motive; rather, its success hinges on whether it provides financially sustainable solutions to collective problems, and its profits are therefore plowed back into its business. This is not merely theoretical: I have created precisely this kind of “social business” in my own work.Would this approach spell the end of capitalism? No, because profit-maximising businesses would still be able to function side by side with social businesses. It would be up to individual firms to decide which model to embrace. Someone could choose to engage in profit-maximising business, social business, or both – either separately or at the same time. Both types of businesses would participate in the same marketplace under the same regulatory authorities.Obviously, people are not driven solely by personal profit. If they were, there would be no such thing as charity. Likewise, 'investment' is not limited to uses of money that maximise personal profit. Regardless of whether one buys the shares of a profit-driven company or of a social business, one has made an investment.People who invest in social business do not doubt that making money could bring them some happiness; but they recognise that investing to help others (a collective interest) would bring them even more. Those who share this outlook will actually prefer to invest in social businesses.Ultimately, these value judgments are rooted in our minds – that is where one finds happiness and recognises its true source. I, for one, can find many uses for my money. I can donate it, keep it under the bed, buy lottery tickets, invest in social businesses, or invest in profit-maximising businesses. But it is not obvious how I should decide between these options, because maximising happiness is not the same thing as maximising profit.The old assumption behind capitalism has fooled us on many levels. Worst of all, it has made us believe that happiness can be measured by how much money we have. Under the old system, all citizens are supposed to stay busy maximising profits and paying taxes, with those government revenues going toward solving whatever common problems the country faces.But the government’s involvement in solving social problems has itself led to political polarisation. Some argue that governments should minimise taxes and steer clear of addressing problems that should be left to markets to sort out. Others argue that the government should take more responsibility for solving social problems, with taxes rising to whatever level is needed.But either way, there are no circumstances in which individuals should remain mere spectators. We all must bring our own creativity to bear on social problems. Once citizens become active in addressing shared challenges, results soon follow.Smart governmentThe smart government is one that creates space and incentives for citizens to get involved. It will inspire people and applaud their achievements, while establishing the necessary legal and administrative structures to support their initiatives. For example, governments can create the conditions for social business funds, social business venture capital, and social business micro-entrepreneur banks.The point, here, is not to diminish the importance of government. Rather, it is to activate the state’s organising function. A government’s capacity should be judged not by its tax revenue, but by the power it gives to the people. Guiding and inspiring grassroots action can achieve much more than any amount of revenue can.Economic and social transformations are easier when governments demonstrate the appropriate leadership. If governments were to become enthusiastic participants in forging a path to a new future, the process would be much smoother and much faster. At the core of this process is the creation of new institutions.For example, we need financial institutions to ensure that every young person can become an entrepreneur if she doesn’t want to wait in line for a job. The state can establish these options by codifying a legal framework for social business venture capital funds, and by creating incentives for firms to create social businesses in parallel to their conventional businesses.In too many countries, however, there is no financing arrangement for a young person who wants to start her own business. Finance is the fuel of entrepreneurship, but as long as loan sharks are the only ones offering it, social businesses will never get off the ground. Micro-entrepreneurs need specialized banks that can cater to their specific needs, including in remote and isolated places.Consider someone who starts selling shirts on the street. He may sell five per day, even though he has the capacity to sell 50. With no money to expand his business, he gives up and gets a job (possibly in the informal economy, where he has no benefits or legal protections). If money had been available, he would have had many other choices. He could give up wage employment and focus on building his business; or, he could take a job while continuing to sell shirts on the side.Technology has a major role to play in all this. It could be a blessing or a curse, depending on which direction we want to take it. It is easy to imagine how AI could bring endless benefits to people, but not when it is being designed and deployed to replace human workers on a massive scale.When we create a new technology, we have an obligation to consider where and how it should and should not be used. Technology is not an autonomous force, but rather a human creation that reflects our own values and intentions. Medicine was invented to cure people, but medical knowledge and technologies obviously can be used to kill people, too. A general-purpose technology like AI is no different.I believe that AI development is currently headed in the wrong direction, because it is being used to maximise profits by reducing profit-driven firms’ labor costs. We must stop this trend before it is too late. Unlike other technologies, AI could theoretically reproduce itself, at which point it would have no limit.The pandemic has given us an opportunity to start working toward a new world of net-zero emissions, zero poverty, and zero unemployment. To that end, we will need to dispense with fossil fuels and deploy renewables on a global scale. We will need to stop eating beef and pumping out single-use plastic products. And we will have to do far more to preserve and replenish forests and other important ecosystems.We also must redesign banking so that financial services are accessible even to homeless people. We must stop allowing wealth to become increasingly concentrated. We must think seriously about the threats posed by AI. And we must take social business mainstream.Humans are an endangered species. If we continue down the same path, we will become an extinct one – and possibly quite soon, depending on the choices we make right now.© Project SyndicateMuhammad Yunus, a Nobel Peace Prize laureate, is the founder of Grameen Bank.

The pandemic opportunity

<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109121148/636b93a29c7e80680e06f1b6jpeg.jpg" alt="" width="1918" height="1265"/><figcaption></figcaption></figure>A new generation of Nepali environmental activists is filling the void left by <a href="https://www.nepalitimes.com/here-now/remembering-nepals-conservation-heroes/" target="_blank" rel="noopener noreferrer">the tragic 2006 Ghunsa crash</a> that saw the loss of many pioneering conservationists including Harka Gurung and Chandra Gurung.Rinzin Phunkjok Lama, the first graduate in environmental science from Humla district, is one of them. In an announcement on Monday, Lama was named among five laureates of <a href="https://www.rolex.org/rolex-awards/latest-laureates" target="_blank" rel="noopener noreferrer">this year’s Rolex Awards for Enterprise</a> for his role in promoting local initiatives for biodiversity conservation in Nepal’s trans-Himalayan region.<img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109121148/636b93a59c7e80680e06f1b7jpeg.jpg" alt="" width="640" height="346">Born and raised in one of Nepal’s remotest regions, Lama was inspired and mentored by 1981 Rolex Laureate, wildlife biologist Rodney Jackson, who spent four decades of his life protecting <a href="https://www.nepalitimes.com/here-now/nepal-leads-in-snow-leopard-study/" target="_blank" rel="noopener noreferrer">the threatened snow leopard</a>, and initiated the first-ever radio collar study on the big cats in western Nepal 40 years ago.But Lama has taken a step further making it his life’s mission to protect not only the snow leopard, but other threatened high-altitude species like <a href="https://www.nepalitimes.com/banner/crying-wolf/" target="_blank" rel="noopener noreferrer">the Himalayan wolf</a>, Himalayan black bear, wild yak, Tibetan argali, musk deer that live at altitudes from 3-5,000m.“The trans-Himalayan ecosystem which includes most of Nepal’s highland is very fragile and increasing human activities are threatening it constantly. Thus, there is an urgent need for a conservation project which addresses an integrated approach to conservation and livelihood,” says Lama.<a href="https://archive.nepalitimes.com/article/Nepali-Times-Buzz/northwestern-tip-of-nepal-Humla,3430" target="_blank" rel="noopener noreferrer">Humla district in Nepal’s northwestern corner</a> bordering China and India has long suffered from state negligence, and is one of the least developed parts of the country. Only 1% of its land is suitable for farming, leading to one of the highest rate of food insecurity in Nepal. Economic opportunities are hard to come by.Now, <a href="https://www.nepalitimes.com/banner/human-face-of-a-himalayan-climate-crisis/" target="_blank" rel="noopener noreferrer">the climate crisis</a> has added to the challenge. Lama’s long-term solution to overcome the threats to this biodiversity is to engage local people from Humla, particularly young environment graduates and empower communities to become the stewards of the land.The young scientist plans to enhance and enlarge current conservation activities to promote local leadership in conservation. One of the priority areas is educating and training people in law enforcement to discourage illegal hunting, logging and forest fires. Lama’s other focus is developing livelihood for communities.Lama is collaborating with a herbal and agricultural products company in Humla to develop a model for technical support to local residents who want to establish small businesses. He is also conducting a feasibility study of potential trekking trails to promote <a href="https://www.google.com/url?client=internal-element-cse&amp;cx=bead8272edd0f2143&amp;q=https://www.nepalitimes.com/banner/model-for-post-covid-ecotourism/&amp;sa=U&amp;ved=2ahUKEwiAl6yO0KjxAhVFgOYKHd-jC7YQFjAAegQIAhAC&amp;usg=AOvVaw3XvLNZTTvO9b1MTDj1KKN1" target="_blank" rel="noopener noreferrer">ecotourism</a> and working with local women skilled in making the traditional attire to generate jobs.Lama’s project is science-based and uses field surveys and camera trapping techniques to establish the baseline number of mammal species, while supporting the development of new enterprises that will expand the possibilities for local people’s source of income. At the same time, Lama will combine science with <a href="https://www.nepalitimes.com/banner/bon-voyage/" target="_blank" rel="noopener noreferrer">traditional knowledge and indigenous Buddhist philosophy</a> to educate the citizens of Humla in environmental conservation.“I want to show that, if given opportunities, local people can lead exceptionally and are capable of managing large-scale conservation projects and community engagement as real stewards of the land.”Since 2014, Lama has been actively involved in research and conservation of high altitude wildlife in Nepal. In 2015, he won a Wildlife Conservation Network scholarship and was the recipient of the WWF Nepal Conservation Award in 2020.Lama obtained a master’s degree in International Nature Conservation from the University of Göttingen, Germany, and Lincoln University, New Zealand. Currently, he is a conservation biologist and Conservation Program Director at <a href="https://www.thirdpoleconservancy.org" target="_blank" rel="noopener noreferrer">Third Pole Conservancy</a> and an environmental adviser to Humla’s elected representative.Other recipients of the Rolex Awards this year are American Felix Brooks-church, working on malnutrition in Tanzania, Chad’s Hindou Oumarou Ibrahim, linking indigenous knowledge to prevent climate conflicts in the Sahel, Gina Moseley from the United Kingdom who is looking into climate change in the Arctic and Brazilian Luiz Rocha who is exploring mesophotic coral reefs and their biodiversity in the Indian Ocean.The five laureates will receive funding for their projects, and a virtual event celebrating the awards will be held at the end of year.The Rolex Awards were set up 45 years ago to mark the 50th anniversary of the world’s first waterproof wristwatch, the Oyster. It supports exceptional individuals with innovative projects that expand the knowledge of the world, protect the environment – helping to preserve habitats and species – and improve human well-being.

Nepali conservationist among Rolex awardees

<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109121144/636b92bf9c7e80680e06f167jpeg.jpg" alt="" width="1680" height="1118"/><figcaption>Photo: MANISH PAUDEL/NEPALI TIMES ARCHIVE</figcaption></figure>Soon after the coronavirus first emerged in Wuhan in December 2019, it spread rapidly within weeks to become an international public health emergency. Though it took months for the root of the illness to be identified, the virus was carried by human hosts in a highly interconnected globalised world.What would start as fever, chills, and flu-like symptoms began to lead to more severe cases of cardiac injury, respiratory failure and death. Those with pre-existing health conditions and the elderly were particularly vulnerable.The pandemic hotspots shifted from China to northern Italy, New York, then it was Brazil and the second wave that is ravaging India and Nepal. People were locked in at home for months to stop the spread, and it came at an additional cost – the rise of a mental health crisis globally.The Covid-19 pandemic has affected everyone and every aspect of our lives. The lockdowns may have helped contain the virus, but it <a href="https://www.nepalitimes.com/latest/nepal-prepares-for-economic-fallout-of-pandemic/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/latest/nepal-prepares-for-economic-fallout-of-pandemic/&amp;source=gmail&amp;ust=1623901287419000&amp;usg=AFQjCNFNmR9X3YmCrQqNw1FBAGmfiCln2w">destabilised economies</a>, businesses went bankrupt, people lost jobs, again exacerbating the impact on mental health in societies.The coronavirus emerged because of the over-<a href="https://www.nepalitimes.com/here-now/the-nature-of-pandemics/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/here-now/the-nature-of-pandemics/&amp;source=gmail&amp;ust=1623901287419000&amp;usg=AFQjCNFdtI-md82Syn9kPX3XvQxEsytPFg">exploitation of nature</a> by a globalised mass consumption society. But the pandemic it unleashed has allowed us to think about that, and also allowed <a href="https://www.nepalitimes.com/here-now/coronavirus-shutdown-gives-nepals-nature-a-respite/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/here-now/coronavirus-shutdown-gives-nepals-nature-a-respite/&amp;source=gmail&amp;ust=1623901287419000&amp;usg=AFQjCNGjFSVplTP8JEJIO5Z3tiqLfAmkRw">nature to begin to restore itself</a>.Studies have shown that lockdowns in response to the pandemic have significantly improved the air quality in many big cities due to the shutting down of industries and fewer vehicles on the roads. From Kathmandu, the Himalaya suddenly came into view.The restrictions and lockdowns led to a decrease in economic activity, resulting in <a href="https://www.nepalitimes.com/banner/nepal-lockdown-proves-air-quality-can-be-improved/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/banner/nepal-lockdown-proves-air-quality-can-be-improved/&amp;source=gmail&amp;ust=1623901287419000&amp;usg=AFQjCNEYWiOv5AGc2wmkU8qJ7ukoSO2t4w">reduced air pollution</a> and emission of greenhouse gases. Ironically, while the virus was attacking the respiratory system, countermeasures taken against its spread were also <a href="https://www.nepalitimes.com/latest/double-whammy-air-pollution-and-covid-19/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/latest/double-whammy-air-pollution-and-covid-19/&amp;source=gmail&amp;ust=1623901287419000&amp;usg=AFQjCNGpVy3V8L2xvmfYCZEjNngNVn1DWg">making it easier to breathe. </a>The ban on international travel also helped reduce the emission of greenhouse gases, dramatically demonstrating the path to reducing the impact of the climate crisis: the need to cap carbon dioxide emissions.The <a href="https://www.nepalitimes.com/here-now/the-carbon-footprint-of-nepals-tourism/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/here-now/the-carbon-footprint-of-nepals-tourism/&amp;source=gmail&amp;ust=1623901287419000&amp;usg=AFQjCNHf6W5H1b9EDeZu8Y_x1BnST3siyw">collapse of tourism</a> affected the economies of countries like Nepal, but it has allowed nature to regenerate. There is less waste along the trekking trails, less garbage.Across the world, people are consuming much less than they used to. It is hard to say if this frugality will persist in the post-pandemic era, but it has set a precedent. Many of us are focusing more on our health, and have adopted better eating habits.For nearly two months now, there is also less noise pollution. Kathmandu’s streets are silent, no roar of trucks, no honking, no construction work, and few jets overhead. Persistent ambient clamour is known to affect our physiological and physical health. With less unwanted noise, the soothing sounds of nature are more audible with bird song, frogs in ponds, and even the rustle of leaves on trees. The sound of silence, and comforting natural sounds carry many mental health benefits.Cities attract people because of economic opportunities and their cosmopolitanism. The absence of people in these urban centres during the pandemic have allowed them to restore themselves organically – showing us that we have to <a href="https://www.nepalitimes.com/banner/pandemic-is-a-chance-to-rethink-development/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/banner/pandemic-is-a-chance-to-rethink-development/&amp;source=gmail&amp;ust=1623901287419000&amp;usg=AFQjCNG6oAiPAlgzK0NmSxSIbDU0MyC4OA">tread more lightly on the environment</a>. For once, the focus has shifted from people to nature so that it has a chance to recover from years of abuse.All of this has come at a great price, no doubt, but Covid-19 has also shown us what we need to do for a sustainable lifestyle to reduce anthropogenic carbon and the burden on nature. If we focus away from the negative impact the pandemic has had on us, and redirect it to the nature around us, we see many positive outcomes that also have beneficial effects on our own lives.We have started focusing more on relationships because earlier most of us were too busy to find the time to do so. We have begun communicating more with family and friends. The pandemic also offers us a chance to rethink our lives, and our purpose.We have started consuming less because we realised that we do not need as much as we thought. There have been significant changes in consumer behaviour that have been good for the planet just because we use, and waste, less.The world is recovering from years of damage that we were so disrespectfully placing on the planet’s resources. In Nepal, we have seen signs of the ecosystem starting to rebalance itself. The question is whether government policies will reflect this in the coming years.It is terrible what Covid-19 has done to the world, but it has also shown us how to <a href="https://www.nepalitimes.com/banner/build-back-greener/" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/banner/build-back-greener/&amp;source=gmail&amp;ust=1623901287419000&amp;usg=AFQjCNExv5VA-LyNgHQNsiZOMwoP0Jsqgg">improve the planet’s health</a>, and with it, the human condition. We desperately want to get back to our everyday lives, but being isolated has reminded us that even if we go back to the way we lived, we have to be mindful of our impact on the planet.We can rebuild the economy, but the damage humans are inflicting on nature is irreversible. The pandemic provides the chance to take action to restructure the way we live.Anjana Rajbhandary lives and works in Chicago. She writes this fortnightly Nepali Times column Life Time about mental health, physical health and socio-cultural issues.

Anjana Rajbhandary

Grow back greener

<figure><img width="4032" height="3024" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109121140/636b923a9c7e80680e06f137jpeg.jpg" alt=""/><figcaption>Photo: MADHU ACHARYA</figcaption></figure>Worldwide, the impact of Covid-19 underscores the need for more social security buffers built upon the access to four basic services: affordable credit, reliable saving and pensions options, life and health insurance, and quality healthcare.  This is true in Nepal, too, where large sections of the country’s nearly 30 million people lack access to social security.  In fact, there were less than 3 million total beneficiaries from some form of government social security in 2015. More investment in building the baseline infrastructure, digital pipes for service delivery and platforms for demand/supply matching, can deepen and widen key services that help create social buffers. Covid-19 is not the first disaster to hit Nepal, and it certainly will not be the last.  Mobile and digital technology, central to the pipes and platforms, can be vital in rapidly expanding access to formal credit, pensions, life and health insurance, and quality healthcare, the key elements of a functioning social security ecosystem.  This ecosystem must focus on improved accessibility, which in turn depends on developing a range of service delivery models specific to Nepal’s diversity. India with its India Stack, Bangladesh, Sri Lanka, and countries in Latin America and Africa are successfully using mobile and digital technology to build-on and bolster traditional forms of group resilience. Nepal is also ready to explore new service delivery models suited to our market and social idiosyncrasies.  New youth-led Nepali organisations must be able to connect with incumbent stakeholders -- the banks, insurance companies, pension schemes, and hospitals -- to build unique service delivery models that extend the reach of each stakeholder. Customer-centric digital and mobile platforms can connect to incumbents and rapidly distribute their products/services.  Government finance and concessional capital, therefore, must focus on fostering trust in the ecosystem, so that incumbents can begin to partner with digital and mobile platforms.  Access to Finance  Mobile payment systems and digital credit form the backbone of a basic infrastructure required for an accessible and responsive social security services.  Nepal’s payment ecosystem has developed <a href="https://www.nrb.org.np/contents/uploads/2020/10/Oversight-Report_2076-77.pdf">significantly</a> over the past five years. Nepal Rastra Bank (NRB), financial institutions (FIs), and technology service firms have made considerable headway in making the transfers of money more efficient and secure. However, innovations in delivery of financial products continue to stall.  Companies such as Nepal Clearing House Limited (NCHL) and F1Soft have created shared infrastructure and enabled financial institutions to conduct digital transactions and extend such services to customers. As a result, digital payments between individuals, financial institutions, businesses, and government bodies have spiked, especially during the pandemic.  But Nepal’s financial institutions are yet to use digital channels to expand their portfolios. Brazil’s Cignifi, for example, provides telecos and financial institutions with analytics services to calculate credit scores based on non-financial alternative data, uncover invisible consumers, and extend micro-loans.  Nepali incumbent FIs are yet to partner with such types of third-party organisations to explore new products and customers. FIs must get into open banking designs, an architecture where third-party developers are able to connect to the FI’s internal functions and build overlaying applications and services.  Incumbent financial institutions in frontier markets like Nepal do not even need to create things from scratch. They can leverage products from companies like South Africa’s Jumo that provide the full technology stack as a service for building and running digital financial services.  Nepal Payment System, a Payment Systems Operator (PSO), and Nepal Electronic Payment System (NEPS), another PSO managing a local card network, along with NCHL and F1Soft are helping Nepal’s financial ecosystem move towards an open banking architecture as well.  The Nepal government still needs to step in and build additional shared infrastructure, particularly for digital identity verification and safe data sharing. What the shared infrastructure can then allow is for savvy tech developers and entrepreneurs adept at customer acquisition to partner with incumbent financial institutions to expand their reach.  Nepal’s telecom providers have also finally been licensed to provide payment services, and they can contribute significantly to expand financial inclusion. M-Pesa from Kenya and bKash from Bangladesh have set strong examples. They work with telecom companies and banks to allow telecom-based payments and offer micro credit services even through dumb feature phones. <img width="523" height="565" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109121140/636b923d9c7e80680e06f138jpeg.jpg" alt="">Pensions Pensions are critical, whether it be for an individual’s retirement or preparing for the family’s future. Nepal’s pensions schemes must use some of the <a href="https://www.weforum.org/agenda/2020/01/apis-future-financial-services/">shared financial technology infrastructure</a> being built to improve their accessibility and quality of services. Khalti, a Nepali Payment Service Provider (PSP), recently started enabling payments to Nepal’s Social Security Fund (SSF). But, what customers and beneficiaries want are additional SSF services accessible through Khalti. Ghana’s Petra Trust, for example, has revolutionised the pension system by attracting corporates, multinational organizations, and government agencies into their schemes through a focus on customer experience and operational efficiency. Our pension schemes also need strong operational capabilities to execute on their mandates, widen their beneficiary base, and extend higher-value services. Khalti can help SSF do these things as well. And, in time, another specialized third-party service provider might be able to come along and partner with SSF to provide customised investment advisory services to individual beneficiaries along with more sophisticated products and asset management strategies that align to each persons’s financial goals. Fisdom in Bangalore, among others, is one such platform.A Khalti-like third-party service provider may also help extend pension benefits beyond urban centers and into rural Nepal. Peru’s Credinka, for example, stimulates savings in remote communities in the Andes through their agents, who are increasingly digitising. Half of their savers are women, and more than a quarter are from rural areas. Additional shared infrastructure from the government, such as digital ID verification service or secure data sharing service, should allow Nepal’s other PSPs to connect with the vast network of savings groups and cooperatives that need to digitize rapidly, to expand high quality pension schemes in those networks as well. Insurance Nepal’s insurance market needs to deepen with broader adoption and better products. Our insurance industry has undergone very little digital transformation. Digital wallets, such as eSewa, allows beneficiaries to pay their premiums online, and Arthanomy and ebeema are seeking to replicate India’s policybazaar.com -- an online insurance aggregation platform – in Nepal. Digital sales of Covid-19 insurance policies during the last year did quickly address a risk everyone was ill-prepared for. But digital sales are not enough for the insurance sector to improve product quality and distribution. There is lack of digitisation in product development, underwriting, analytics and claims settlement in the insurance sector. Insurers need to distribute high-quality and appropriate products, then follow through on their commitments; thus, key areas for operational efficiency – customer communication and claims processing – are yet to be digitised in Nepal. Resolution Insurance in Kenya, for example, has been a trailblazer as the insurer of choice for SMEs in East Africa. Closer to home, Softlogic Life in Sri Lanka is one of the fastest growing life and health insurers. It caters to the growing digitally savvy Sri Lankan middle class that seeks an end-to-end digital/mobile experience. Nepali insurers need to partner with third-party service providers to offer end-to-end digital experience to younger Nepali consumers. The entry of telecom companies in payment services can help expand insurance coverage in rural areas. Models such as those of BIMA Mobile can serve as examples. BIMA partners with mobile network operators, mobile money operators, and large insurance underwriters to distribute, underwrite, and settle claims for life, property and casualty, and health insurance to low-income consumers through simple feature phones. Such a model can vastly expand micro-insurance to Nepal’s rural areas.  <figure><img width="854" height="541" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109121140/636b923f9c7e80680e06f139jpeg.jpg" alt=""><figcaption>WEF (6.4.2021) What’s Next for Open Banking </figcaption></figure>Healthcare Just as the stakeholders in the financial system came together to create shared infrastructure, there is also such a need in the healthcare value chain. Digitisation in the healthcare industry is low, whether it be how hospitals manage their internal operations or how they manage patient data. Therefore, Nepal’s hospitals do need to digitise internally first before they build meaningful partnerships with third-party digital service providers to expand and improve services. Let us explore what greater digitisation might enable in hospitals, pharmacies, and rural women groups:Nepal’s hospitals have faced capacity constraints and shortages of equipment in recent weeks as they grapple with Covid-19. But, what if hospitals were able to share their operational data to third party service providers who could coordinate supplies and customers? Mexico’s SaludFacil, for example, places low-income patients in hospitals that have extra capacity. They negotiate with private hospitals to lower cost of service to low-income patients by fulfilling hospitals’ slack capacity. A single digitised hospital might not have fared better, compared to a network of hospitals that is able to communicate with one another seamlessly to improve patient outcomes. Nepal Research and Education Network (NREN), for example, is working to build a data network among health institutions and support telemedicine. Capacity of Nepal’s local pharmacies are just as important for capacity in the healthcare industry because they are typically the first points of contact for many low-income folks seeking medical advice. GoodLife Pharmacy in East Africa, for example, is dedicated to increasing access to healthcare through pharmacy stores. The company not only provides affordable and quality medical products, but each of its stores also includes consultation centers and telemedicine services. Our independent pharmacies in Nepal need some shared infrastructure and network so that third-party digital platforms can easily partner with them and enable them to provide quality medical counsel. Finally, Nepal’s rural women networks, who have been instrumental in improving health outcomes for women and children over the past 30 years, need help to improve their services. Bodhi Health in India, for example, provides quality medical education and information to health workers and community health workers through their mobile phones in English and local languages. Nepal’s rural women also need some shared infrastructure, through which they can partner with digital platforms to expand and improve services.  <figure><img width="831" height="458" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109121140/636b92429c7e80680e06f13ajpeg.jpg" alt=""><figcaption>Source: PWC (2017) The Digital Healthcare Leap</figcaption></figure>Advances in mobile and digital technology along with innovative entrepreneurs are spurring rapid improvement in access to credit, pension, insurance and healthcare in developing countries. Mobile phones and digital platforms have upended traditional notions of how these services need to be delivered. Policymakers need to focus on allocating government and concessional resources towards building shared infrastructure, which can allow incumbent institutions – banks, insurance companies, pension schemes, and healthcare organisations – to partner with third-party digital platforms that can help improve the reach and quality of products/services. This focus can rapidly build accessible and adaptable social safety nets in Nepal. Ashraya Dixit is a Senior Fellow with the Nepal Economic Forum.

development