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Economic crisis, austerity measures will worsen indebted women’s lot

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Submission of the Collective of Women affected by Microfinance to Tomoya Obokata UN Special Rapporteur

Debt is the most prevalent source of slavery. In contemporary Sri Lanka, unpayable debt accrued through microfinance loans has been driving exploitation, dispossession, and conditions resembling debt peonage. A chain of high-risk loans disbursed at usurious rates to women with no regular income has wiped their savings and assets. Doubly bounded by the obligation to repay debt and to take care of her family, the indebted woman is forced to labour in dangerous and low-paid jobs, i.e., as manpower workers in the garment factories, indentured labour in the Middle East, daily wage labourers in the agricultural farms or as prostitutes. As examples from the plantations, rural and post-conflict areas show, unpayable debt has also forced children out of schools and brought about child labour. An estimate of 2.8 million women is trapped in unpayable debt related to microfinance. Financial violence emanating from injurious microfinance compounds domestic, workplace and legal violence that women undergo. As a result, more than 200 women have committed suicide. We as the collective of women affected by microfinance have been exposing the nature and consequences of predatory lending by microfinance institutions and demanding state intervention to solve the problem since 2018. The microfinance crisis has been aggravated by the collapse of livelihoods due to the COVID-19 pandemic. Austerity policies emanating from the economic crisis will have a heavy toll on indebted women.

We would like to point out that debt-driven exploitation of women is a direct consequence of posing financialised solutions to issues of livelihood, work, and wages. Instead of bringing about fundamental changes to structures in the economy which creates and perpetuate gendered forms of poverty, microfinance like solutions have rendered poverty a profitable business to big finance companies and financial capital. The United Nations too has played a proactive role in mainstreaming this imprudent approach over the years. Apart from celebrating the year 2005 as the International Year of Microfinance, the UN also lauded microfinance as a best practice to alleviate poverty under its flagship programmes of Millennium Development Goals (MDGs) as well as Sustainable Development Goals (SDGs). Predatory finance companies have been using SDGs to validate their lending practices and attract investors. Partner organisations of the UN like the World Bank and Asia Development Bank have actively aided and abetted the commercialisation of microfinance. Many other International Non-Governmental Organizations continue to uphold and fund predatory microfinance companies despite the outcry of the abused indebted women over the years.

The report of the UN Independent Expert on the Effects of Foreign Debt and Human Rights in 2018 have illustrated the harmful effects of microfinance debt on women. He also made several recommendations to the Government of Sri Lanka which the government is yet to implement. Representing the victims of microfinance, we would like to draw your attention to the following recommendations,

1.

Investigate the situation of the microfinance crisis in Sri Lanka: The government, policymakers, and the finance lobby have been discrediting and disputing the victims’ narratives despite protests and widespread evidence on predatory microfinance. Sri Lanka lacks national-level data on microfinance and the crisis. Any policy measure to resolve the problem should follow a close exploration of the problem.

2.

Facilitate a microfinance debt-audit: Usurious rates at which microfinance loans are disbursed permit lenders to perpetuate a vicious cycle of debt collection. Many of the microfinance borrowers claim that they have paid back their debt, but the companies continue to pressure them to pay more. A debt audit will assist in untangling this problem and formulate a plan for debt abolition.

3.

Instruct the GOSL on a pathway to abolish microfinance debt: Any solution which falls short of debt abolition fail to address the microfinance crisis concretely. The unavailability of national-level data and a debt audit makes debt abolition appears impossible at present.

4.

Regulation of microfinance to protect borrowers: The need for stability in the finance sector which drives GOSL’s rationale for regulating the finance sector has benefitted the lenders at the cost of borrowers and community-owned credit mechanisms. Law that perceives that creditors should be protected compels borrowers to pay the unpayable debt. Stability interpreted in terms of core capital requirements favours big finance and pushes community-owned credit providers out of the market.

5.

Community owned credit programmes: Numerous regional examples prove that commercialised microfinance is at fault for the current microfinance crisis. Instead of nurturing development, commercial lending has been dispossessing and rendering borrowers dependent on debt. Community-owned credit where people have the autonomy to decide terms of lending and purposes of lending is suited better for the developmental needs of the communities.

6.

Meaningful social development: Financialised solutions to address poverty have completely failed to ensure people’s right to development. It has cost their autonomy, and have trapped them in low-paying, exploitative and dangerous jobs. The long COVID-19 pandemic illustrates how debt driven dominant poverty solutions, apart from damaging the government’s social security programmes like Samurdhi, have also eroded the resilience of the people to combat crises. Transforming the economic development to create decent jobs, strengthen small farmers and fishers and benefit small and medium entrepreneurs would trump financialised solutions.



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Opinion

Ajahn Brahmali’s dhammaduta visit to Sri Lanka in March 2024

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Brahmali Thera

The Ajahn Brahm Society of Sri Lanka has announced the visit of Ajahn Brahmali to this country in March 2024. He will be here from March 14 to 24 and will conduct meditation retreats, giving Dhamma talks and meeting and conversing with relevant groups. Just as it was with Ajahn Brahmavamso, who was in Sri Lanka for 10 days in late May this year, the Ajahn Brahm Society is finalising a full programme for Ajahn Brahmali, overseen by Ven Mettavihari Thera, with beneficiaries being us – Buddhists and non-Buddhists alike.

 This is Ajahn Brahmali’s fifth visit to our country, his first having been in 2013. Every available minute of his time in Sri Lanka in March next year will be utilized to help us better understand the Dhamma and guide us in proceeding on the Path to end the cycle of samsaric existence. Advice on the practice of meditation will be included in his crowded schedule for bhikkhus, bhikkhunis and lay people

Biographical sketch

Ajahn Brahmali was born in Norway in 1964. In his early 20s he visited Japan and was introduced to Buddhism and meditation. He was deeply interested and devoted much time to learning more of what the Buddha taught and in quiet reflection and meditation. This was while reading for degrees in engineering and finance. On completion of his academic studies, he moved to Britain and resided in the Amaravati and Chithurst Monasteries as an Anagarika (keeper of eight precepts). Meeting Ajahn Brahmavamso and listening to his teaching, he decided to travel to Australia and train in the Bodhinyana Monastery in Serpentine, near Perth, in Western Australia. This was in 1994. Two years later he was ordained; his preceptor being Ajahn Brahm. In 2015, on completion of 20 rain retreats, he was conferred the title ‘Maha Thera’ – Great Elder.

  Ajahn Brahmali’s reputation as an expert in the Pali language and deep knowledge of the Suttas is internationally recognized. He has authored many essays inclusive of two on Dependent Origination and the treatise The Authenticity of Ancient Buddhist Texts, in collaboration with Bhante Sujato. He conducts Pali language classes and explanatory discourses on the Suttas to devotees of Bodhinyana Monastery. He is also a regular teacher at the Dhammaloka Centre in Perth. Added to his intellectual excellence is his practicality. Ajahn Brahmali oversees the building and maintenance projects at both the Bodhinyana Monastery and the Hermit Hill property in Serpentine.

And thus, propitiously and fortunately for us Sri Lankans, Ven Ajahn Brahmali will be here in our land in March 2024; generously willing to guide us to deeper understanding of the Dhamma and enhanced meditation.

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Opinion

Concept of Immunology in Ayurveda

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By Dr. Sasika Palathiratne

BAMS (Hons.) – FIM, UoC

Ayurveda is a holistic system of medicine with Vedic roots that originated in India about 5,000 years ago. Ayurveda is not only a complete system of medicine but also a scientific philosophy of life, with the two main objectives of prevention and curing of diseases and disorders. Ayurveda is believed to be of a divine origin and passed down to humans via the great sages. Ayurveda mostly utilises herbal based medicines and it has survived the test of time for many millennia; even today it is one of the most popular systems of alternative or complementary medicine throughout the globe. Ayurveda encompasses traditional wisdom, oriental philosophy as well as Vedic science.

The concept of immunology is well-established and elaborated in Ayurveda but in a different name. In Ayurveda, immunity is known as Vyadhikshamatva and defined as the power or ability that prevents the future occurrence of diseases and acts against existent diseases. Furthermore, Vyadhikshamatva is associated with Trividha Bala namely; Sahaja, Kalaja and Yuktikruta. The Trividha Bala can be interpreted as domains of immunity as congenital or hereditary, seasonal or chronological and acquired or specific respectively. Sahaja Bala is the immunity present from birth and it is due to genetic predisposition and good maternal prenatal health. Kalaja Bala is the particular power of immunity that manifests itself in certain episodes of age as well as seasons. Yuktikruta Bala is the power of immunity that a person can acquire through certain medications, healthy foods and proper lifestyle.

Good immunity or Vyadhikshamatva is invariably present in a healthy person and according to Ayurveda; for this proper functioning of the entities Ojas and Kapha are essential. Kapha is one among the Tridosha of Ayurveda, which represents fluid and earthly nature as well as the physical growth of the body. Ojas on the other hand is considered as the utmost essence of the seven body tissues and its presence is said to be extremely essential for life. Furthermore, the clinical features described in abnormalities of Ojas are also seen in most immune-compromised patients. In addition, Ayurveda has clearly described instances where the Vyadhikshamatva Bala is increased or decreased. Specifically, persons having extremes of heights and body statures such as very obesity and emaciation are said to possess a relatively low power of immunity. On the contrary, a higher power of immunity is said to be manifested in persons who are born out of good paternal and maternal gametes [reproductive cells] at a suitable geography, time and climate and of cheerful dispositions, consume good food, engage in physical exercises.

Ayurveda is a complete medical system, where each and every major disease is well-described with causative factors, symptoms and most importantly therapeutics. The system of Ayurveda medicine has a major focus on curtailing the causative factors and reversing the pathogenesis of the disease, as opposed to symptomatic treatments. Thus, the principle of prevention is better than cure, has been a core policy of Ayurveda since its inception. Sushruta Samhita, which is one among the two main compendiums or textbooks of Ayurveda, explains in a separate chapter named Anagata Abadha Pratishedaniya Adhyaya, the ways and means of prevention of future emergence of diseases. The particular chapter explains the importance of proper food, bathing, exercises and medicated oil anointments for maintenance of proper immunity power and sound health, thereby preventing future occurrence of numerous diseases. Ayurveda has also proclaimed different treatment modalities for improvement of power of immunity, notably the Rasayana and Balya treatments that rejuvenate and energize the body, respectively.

The concept of auto-immunity can be correlated with the Rakta Doshaja Vikara mentioned in Ayurveda. According to Charaka Samhita, which is one among the two main compendiums of Ayurveda, if a disease does not get cured by proper orthodox treatments it should be considered as Rakta Doshaja Vikara and atypical treatments should be administered. Rakta Doshaja Vikara are diseases occurring due to abnormalities of blood and even as per modern medicine the antibodies and other immune components mediating the auto-immune process are predominantly located in the blood or its plasma. Furthermore, the Dushi Vishaja Roga, a particular type of Rakta Doshaja Vikara; clearly explains how such chronic diseases gradually occur with time when immunity weakens due to improper geographical, seasonal or dietary factors. Conditions associated with Dushi Visha such as skin diseases, edematous conditions, sub-fertility and certain heart diseases can also occur due to auto-immune pathology, according to modern medicine. According to Ayurveda the main causative factor for such auto-immune conditions is regarded as Ama, which can be considered as the improperly digested dietary matter that gets absorbed into the blood plasma and thereby acts as a root cause for all diseases. Even according to textbooks of modern immunology, some percentage of undigested dietary protein can remain antigenically intact in the blood plasma. Certain conditions of Ama are regarded similar to the action of toxin and are said to be cured with difficulty.

Ayurveda also explains treatments for such Rakta Doshaja Vikara with comparable auto-immune pathology. The Vamana Karma (emetic therapy) and the Virechana Karma (purgative therapy) are regarded as best treatment modalities for Rakta Doshaja Vikara, where expulsion of all undigested matters and impurities of blood are postulated. In addition, the Rakta Mokshana or the bloodletting therapy allows direct elimination of blood impurities by means of medicinal leeches or other suitable methodology. Upavasa or fasting is also mentioned as a treatment modality in such cases, which facilitates the digestion of any Ama and the importance of curtailing heavy protein intake in auto-antibody mediated diseases is thus, indirectly mentioned in Ayurveda. Besides, there are many specific herbs beneficial in such cases of auto-immunity such as Giloy, Licorice, Turmeric, Neem, etc., which are designated as immune-modulators even according to modern research.

In conclusion, with reference to all these facts it is evident that the concept of immunity was well understood and properly elucidated in the ancient divine medical science of life—Ayurveda.

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Opinion

An Incomparable Friend; Dr Carmel Indranie Ernest

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Indranie with husband, Cyril and daughters, Cheryl and Melanie

“WHEN SOMEONE YOU CHERISH BECOMES A MEMORY,

THAT MEMORY BECOMES A TREASURE”   –ANON

The email from Cyril was short and simple. But the effect was seismic . It hit Kanthi ( my wife) and me with the might of a sledgehammer blow. Indranie, his lifelong partner, had passed away after a brief illness.

Cyril was one of my closest friends, and also my roommate in our final year in Bloemfontein, the boisterous medical student’s hostel adjoining Carey College. We got to know Indrani well in that eventful year in Los Angeles where I did an Echocardiography Fellowship with an outstanding Sri Lanka born cardiologist, Dr Tony Chandraratne.

Indranie was born in 1942 in Moratuwa, a town hallowed in history; 1942 was also the year that the Japanese bombed Colombo and Trincomalee. Moratuwa which escaped the bombs was the birthplace of heroes who bravely stood up to the British conquerors, peerless philanthropists and also skilled artisans who fashioned furniture from local hardwoods; these surpassed the best European fitments.

She would no doubt have imbued this heritage as well as those of her parents; her father was an accountant and the mother a dutiful housewife. Indranie was the second of five siblings and was noted always for her placid temperament, charming smile and friendliness. She was also deeply religious. However she also was adept at separating wheat from the chaff; one of her favourite sayings was ‘all that glitters is not gold’.

At school she shone academically but was also proficient in sports particularly netball and athletics. In 1962 she was among the first recruits to the newly established medical school in the sylvan surroundings of Peradeniya. It was here that the champion cricketer,

Cyril, bowled over the pretty colleen and embarked on his longest partnership. They married 53 years ago and could echo Winston Churchill’s words “we lived happily ever afterwards”.

Both graduated in 1967, she from Peradeniya and Cyril from Colombo where he had relocated on account of his many sporting commitments. In 1973 they emigrated to the USA for further medical training; Cyril qualified as a cardiologist and Indrani as an Internist . They then moved to Lancaster in California in 1977 where both established outstanding practices . ( Indranie was a popular and successful physician as many of her former patients would attest. One very eloquent tribute states “her warm smile, quiet demeanour and even temperament made everyone who encountered her feel comfortable in her presence”. She remained a caring and dedicated physician to the end of her days. But the family was her first concern. Cyril and the two beautiful and accomplished daughters Cheryl and Melanie were her primacy.

ANNUS MIRABILIS

I arrived, unannounced , in Los Angeles in 1988. Cyril somehow got wind of my coming, and on a Friday evening fronted up in the Howard Johnson Hotel in Boyle Heights. With few preliminaries, he bundled me into his luxurious Mercedes sedan and drove onto their elegant mansion in Encino the suburb where Michael Jackson too lived. Indranie was at the door with a warm welcoming smile which made me feel at home instantly. A delicious meal followed, the first of many.

It was my first meeting with Indranie. I had heard about her from our mutual friend and fellow hosteller Ganesh. Cyril and he traveled to Peradeniya on their free weekends.

Being a very private person, Cyril , never breathed a word about his mysterious sojourns; neither did he say anything about his many sporting accomplishments.

There were many other visits to Encino at weekends; they would guide me around the myriad shops in LA, and Indranie in particular helped me to get the household goods I needed for an unfurnished apartment which I had rented in South Pasadena, prior to Kanthi’s arrival.

One weekend they drove me to an orange grove outside the city, where a friend resided.Indranie graciously let me sit in the front , so I could enjoy the sweeping vistas and Cyril’s commentary.

Even after Kanthi came we were regular visitors. Cyril would invite eminent cardiologists who he felt maybe useful to me; also some colleagues from our year of 1962 in Medical school. Kanthi being a good cook , we were able to reciprocate their hospitality.

Their sincerity and affection was never more evident, as when Kanthi fell ill.

She had a severe upper abdominal pain; I imagined the worst and visualized removal of the gallbladder which was a major undertaking in the pre-laparoscopic surgery era.Indranie being the skilled internist she was, pacified us and telephoned a pharmacy near us to provide appropriate medications.

Next day we went over to her rooms where she performed a detailed examination and got the needed scans. Then we were seen by a surgical colleague who reassured us that it was an intestinal colic. Our relief was immeasurable. The year ended on a happy note.

We had a farewell dinner in our apartment which was graced by Cyril and Indranie. There were many encounters since. Once both of us were stranded in the Los Angeles airport as the friend who had promised to pick us, failed to turn up. We then called Indranie who promptly invited us home. Cyril was away in Lancaster as he was on call.

Our last meeting was in the Anantara Peace Haven Resort in Tangalle in Sri Lanka in 2020, just before the Covid pandemic broke out. We along with Cyril , Indranie and Melanie and others were attending the wedding of Lareef Idroos and Nabila’s daughter.

All of us had a grand time with friends and colleagues. Sadly it was also our last rendezvous..

We can now only seek solace in Jalaluddin Rumi’s wisdom.

“Do not grieve. Anything you lose comes around in another form”

And the deathless verse of Mary Elizabeth Frye

“Do not stand at my grave and weep,

I’m not there I do not sleep,

I’m a thousand winds that blow,

I’m the diamond glints on snow,

I’m the sunlight on ripened corn,

I’m the gentle autumn rain.

When you awaken in the morning’s hush,

I’m the swiftly uplifting rush,

Of the quiet birds in the circled flight,

I’m the soft stars that shine at night.

Do not stand at my grave and cry,

I’m not there. I did not die.

Farewell our dearest Friend.

May the good Earth lie softly on you.

May God hold you always in the Palm of His hand.”

Kumar Gunawardane

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