
The number of natural catastrophes surpassed the 1,000 mark in 2015 for the first time, according to the United Nations Development Plan (UNDP). The UNDP estimates the total cost from those disasters to be over $90 billion. Only 30 percent of this amount had insurance. Disaster risk insurance benefits places that experience natural disasters because it helps combat them.
Many expect that the frequency of these disasters will grow as populations continue to increase and weather patterns remain unpredictable. Moreover, disaster and development strongly link together which takes away key investment. The poor are more susceptible to disasters due to their inability to uproot their lives and the overcrowded conditions in which they often live.
Between 1991 and 2010, the Overseas Development Institute found that approximately 81 percent of the deaths that disasters caused were people in a lower-middle or low-income status. Ninety-three percent of these deaths came from developing countries.
The Disaster Risk Financing and Insurance (DRFI) Program
Established by the World Bank in 2010, the DRFI program seeks to provide funding and skills to help developing countries establish financial protection strategies. This program seeks to assist national and local governments, as well as businesses, homeowners, agricultural producers and the low-income population altogether. This program implements protection strategies with the goal in mind for the affected country to continue its development strategies while recovering from natural disasters.
How it Works
In 2018, the World Bank issued disaster risk insurance to Mexico, Peru, Columbia and Chile. These four countries are located along the western end of the Pacific Rim, a ring of seismic activity that surrounds the Pacific Ocean. Due to location, these countries are susceptible to damaging earthquakes.
The disaster risk insurance came in the form of a catastrophe bond of $1.36 billion split between the four countries for coverage against earthquakes. The World Bank stepped in to oversee the creation of the bonds and help the countries find investors. Once the World Bank secured investors, many of which were large insurance companies or hedge funds, investors receive a premium for the coverage as payment. Should a big enough earthquake hit one or more of the member countries within the designated time frame of three years, an investor would pay a predetermined portion of the principal of the bond to the affected country.
The African Risk Capacity Insurance Limited
An example of disaster risk insurance outside the operations of the World Bank is the African Risk Capacity. The African Risk Capacity includes countries across Africa and development partners support it. Each member pays into a pool of funding which then goes to countries that do not receive a predetermined quota of rainfall. Within two to four weeks of the rainfall season coming to an end, money goes to the affected countries to help their citizens.
In September 2019, the organization issued a payout of $738,835 to the government of the Republic of Côte d’Ivoire after it suffered through a severe drought. The drought affected an estimated 400,000, but the payout will reportedly help up to 32,496 individuals across 6,500 households through a cash transfer program. The CEO of African Risk Capacity, Dolika Banda, stated that the payout is to target women and female-headed households directly because of the disproportionate effect disasters have on women.
Since 2014, the African Risk Capacity Agency has received $73 million in premiums for a total coverage of $553 million toward the protection of 55 million people across the member states.
Disaster Risk Insurance Benefits
While not suitable for preventing damage, disaster risk insurance benefits exist. Insurance can provide greater economic stability and help prevent deaths in the aftermath of disasters. In these times, communities often suffer from a resource shortage that easily accessible capital can assist.
Governments have limited debt because the investments their countries use to rebuild comes from the outside. Disaster risk insurance also provides incentives for risk reduction efforts by offering lower premiums.
While these financing efforts are not a catch-all solution to the damaging effects of natural disasters, they can be a critical tool to help prevent developing countries from regressing.
– Scott Boyce
Photo: Wikimedia Commons
5 Mental Health Effects of the Yazidi Genocide
In the past few years, the Yazidi populations of northern Iraq and northern Syria have faced forced migration, war, the enslavement of women and girls and genocide. These traumatic events have resulted in several, severe psychological problems among Yazidis. A lack of adequate treatment and a prolonged sense of threat compounds the five mental health effects of the Yazidi genocide.
The Yazidis, a Kurdish religious minority, practice a non-Abrahamic, monotheistic religion called Yazidism. When the so-called Islamic State declared a caliphate in Iraq and Syria, it specifically targeted the Yazidis as non-Arab, non-Sunni Muslims. ISIS has committed atrocities against the Yazidis to the level of genocide, according to the United Nations Human Rights Council (UNHRC); these crimes included the enslavement of women and girls, torture and mass killings. This violence caused many Yazidis to suffer from severe mental health disorders.
5 Mental Health Effects of the Yazidi Genocide
In the aftermath of ISIS’ genocide against the Yazidis of northern Iraq and northern Syria, many survivors have experienced mental health problems stemming from the trauma. These genocidal atrocities will have long-term psychological effects on the Yazidis, but such issues can be mitigated by psychological care. The five mental health effects of the Yazidi genocide outlined above prove the necessity of such health care for populations that have endured genocide and extreme violence.
– Sarah Frazer
Photo: Flickr
Improving Public Health in Mali
Mali is a nation that has had both ups and downs in recent decades where public health is concerned. Food and waterborne diseases are particularly problematic within the country. The degree of risk for attracting some sort of major illness or infection within Mali is very high. Among the top 10 causes of death in Mali are neonatal disorders, malaria, malnutrition and lower respiratory infections. Many of the issues surrounding public health in Mali largely correlate with access to food and clean drinking water.
Centers for Disease Control and Prevention (CDC)
The CDC has been working in a close partnership with the country since 1996 in an effort to provide aid for public health in Mali. A CDC epidemiologist first began working with Mali on stopping diseases like smallpox and measles. However, its mission within the nation’s borders has expanded. One goal of the CDC’s current partnership with the nation is to improve public health in Mali. The CDC is expanding access to solutions for vaccine-preventable illnesses and other leading causes of death. Another goal is strengthening the country’s laboratory and workforce capacity to help it be more prepared for disease outbreaks.
The U.S. Agency for International Development (USAID)
Despite some serious achievements within the health sector of the country, public health in Mali still remains one of the largest concerns within its borders. The newest strategy under the U.S. Agency for International Development focuses heavily on development within the region in several different ways. It prioritizes the comprehensive packaging of high-impact health services at the community level and pushes for making said necessary health initiatives accessible to those who need it the most. Additionally, the organization supports the goals of the U.S. Government Global Health Initiative. The organization is continuously looking for ways to improve public health by making effective, quality health services to Mali’s citizens.
Prioritizing Mothers and Children
Even more specifically, Mali and initiatives must give special attention to mothers and children within the country as part of any approach to improving public health in Mali. Some organizations prioritize this above all else, like Mali Health. Its approach focuses on promoting financial health and stability. Mali Health removes financial barriers that stand in the way for many citizens of Mali. The thinking behind this approach is that with fewer financial barriers posing as obstacles for mothers, they will be able to seek out medical care for themselves and their children easier than it may have been previously to do so. Approaching public health in Mali primarily by tackling issues that heavily affect mothers and children first is an intuitive idea. Doing so means that healthier mothers are able to raise healthier children. The children will live and thrive past the years where certain illnesses can be particularly deadly. In addition, when more children survive and thrive, it leads to successes in Mali’s workforce, population growth and economic growth.
Clean Water in Mali
Another integral approach to solving the issues which plague public health in Mali is one that focuses primarily on clean water. Diarrheal diseases are especially lethal and often emerge out of a lack of access to clean and safe drinking water. One nonprofit organization, Medicine for Mali, has drilled 28 clean water wells within the country in hopes of providing cleaner water to its citizens. Solar even powers some of these wells and the organization has provided training within the villages it services so that users know how to maintain and repair the wells. It is through organizations like these that profound impacts are visible on public health in Mali. The implementation of health services and wells can change the lives of thousands of people all at once. This sparks a movement to help a nation on its path to growth.
Like many other countries, Mali still needs improvement in order to become substantially healthier. Public health in Mali still faces many issues. The real challenge lies in ensuring that clean drinking water, necessary medications and vaccinations and preventive health services are accessible throughout the country. The country should undoubtedly achieve this through the combined efforts of nonprofit organizations, its government, its citizens and foreign aid agencies in the U.S.
– Hannah Easley
Photo: Flickr
Bill Gates Foundation to Reduce Poverty in China
The Game Plan
Despite the issues that a more urbanized China has, it has produced positive results during the past 70 years by lifting more than 850 million people out of poverty over a span of 40 years. Meanwhile, others have developed their own plans to get themselves out of poverty by using business sense. One example is when a local Shibadong farmer named Shi Quanhou worked his way out of poverty by running an agritainment farm.
Agritainment is a compound word for farms that include both agriculture and entertainment. These farms might include pumpkin patches, petting zoos and corn mazes, among other attractions for a family-friendly atmosphere. Although one cannot say this about other farmers, Quanzhou underwent this plan in a desperate measure to help him provide a more secure and prosperous life for his family. Farmers have also found a 12.1% increase in their income by transitioning their farms to agritainment farms.
China’s Success
With many people still underprivileged, The Gates Foundation Poverty China project also offered its support during this stretch with three solutions that incorporate working with government agencies, advocating for financial services, health care and childhood nutrition. The organization also added a partnership with the State Council Leading Group Office of Poverty Alleviation and Development to research how to remedy these issues through experience within China and also between China and other countries. Establishing stronger platforms that encourage participation in the relief efforts to end poverty has also been part of its long-term plan. The Gates Foundation Poverty China is closing in on completing what could very well be the largest turnaround of this global issue in the world’s history.
Helping Health
The Gates Foundation Poverty China plan includes a $33 million grant to combat tuberculosis to the Chinese Ministry of Health. This partnership intends to better detect tuberculosis cases and find a cure for those suffering from it. With more than 1.5 million cases each year, this partnership is providing innovative tests, along with patient monitoring strategies to deliver improved treatment and diagnoses across the country.
Additionally, China has developed a plan to decrease TB by creating The Chinese Infectious and Endemic Disease Control Project (IEDC) back in 1991. The World Bank partly funded $58 million to it and the World Health Organization (WHO) developed it in 1989. The IEDC was a booming success, curing 85% of identified patients within two years of its implementation. TB cases decreased by more than 36% between 1990 and 2000, about 4.1% each year.
Infinite Improvement
People have widely recognized China for its dramatic improvement. U.N. Secretary-General Antonio Guterres pointed out that China has contributed the most to its cause over the last decade. This turnaround means that the livelihoods of many will boost China’s economy and build a more prosperous nation. With that plan in motion, China has almost eradicated rural poverty by refocusing on areas where the poorest live in places with poor infrastructure and have special needs. China went from a staggering 97.5% in 1978 to a meager 3.1% among the rural population at the end of 2017.
With 2020 already underway, President Xi Jinping has informed the Chinese people that anyone in an impoverished state should receive medical benefits, such as insurance, aid and allowances. With the Gates Foundation Poverty China plan and China’s campaigns and multiple partnerships with local governments, China’s ability to avert its national catastrophe will not only gain global attention from other suffering countries or have more fortunate nations lend a hand, but will be able to lend help of its own.
– Tom Cintula
Photo: Flickr
5 Facts About Sex Education in India
5 Facts About Sex Education in India
This biggest barrier toward sex education in India will probably be cultural norms against talking about sex. These norms are heavily ingrained in Indian society. However, India is making small but important steps to provide more comprehensive sex education.
– Emily Joy Oomen
Photo: Flickr
Disaster Risk Insurance Benefits
The number of natural catastrophes surpassed the 1,000 mark in 2015 for the first time, according to the United Nations Development Plan (UNDP). The UNDP estimates the total cost from those disasters to be over $90 billion. Only 30 percent of this amount had insurance. Disaster risk insurance benefits places that experience natural disasters because it helps combat them.
Many expect that the frequency of these disasters will grow as populations continue to increase and weather patterns remain unpredictable. Moreover, disaster and development strongly link together which takes away key investment. The poor are more susceptible to disasters due to their inability to uproot their lives and the overcrowded conditions in which they often live.
Between 1991 and 2010, the Overseas Development Institute found that approximately 81 percent of the deaths that disasters caused were people in a lower-middle or low-income status. Ninety-three percent of these deaths came from developing countries.
The Disaster Risk Financing and Insurance (DRFI) Program
Established by the World Bank in 2010, the DRFI program seeks to provide funding and skills to help developing countries establish financial protection strategies. This program seeks to assist national and local governments, as well as businesses, homeowners, agricultural producers and the low-income population altogether. This program implements protection strategies with the goal in mind for the affected country to continue its development strategies while recovering from natural disasters.
How it Works
In 2018, the World Bank issued disaster risk insurance to Mexico, Peru, Columbia and Chile. These four countries are located along the western end of the Pacific Rim, a ring of seismic activity that surrounds the Pacific Ocean. Due to location, these countries are susceptible to damaging earthquakes.
The disaster risk insurance came in the form of a catastrophe bond of $1.36 billion split between the four countries for coverage against earthquakes. The World Bank stepped in to oversee the creation of the bonds and help the countries find investors. Once the World Bank secured investors, many of which were large insurance companies or hedge funds, investors receive a premium for the coverage as payment. Should a big enough earthquake hit one or more of the member countries within the designated time frame of three years, an investor would pay a predetermined portion of the principal of the bond to the affected country.
The African Risk Capacity Insurance Limited
An example of disaster risk insurance outside the operations of the World Bank is the African Risk Capacity. The African Risk Capacity includes countries across Africa and development partners support it. Each member pays into a pool of funding which then goes to countries that do not receive a predetermined quota of rainfall. Within two to four weeks of the rainfall season coming to an end, money goes to the affected countries to help their citizens.
In September 2019, the organization issued a payout of $738,835 to the government of the Republic of Côte d’Ivoire after it suffered through a severe drought. The drought affected an estimated 400,000, but the payout will reportedly help up to 32,496 individuals across 6,500 households through a cash transfer program. The CEO of African Risk Capacity, Dolika Banda, stated that the payout is to target women and female-headed households directly because of the disproportionate effect disasters have on women.
Since 2014, the African Risk Capacity Agency has received $73 million in premiums for a total coverage of $553 million toward the protection of 55 million people across the member states.
Disaster Risk Insurance Benefits
While not suitable for preventing damage, disaster risk insurance benefits exist. Insurance can provide greater economic stability and help prevent deaths in the aftermath of disasters. In these times, communities often suffer from a resource shortage that easily accessible capital can assist.
Governments have limited debt because the investments their countries use to rebuild comes from the outside. Disaster risk insurance also provides incentives for risk reduction efforts by offering lower premiums.
While these financing efforts are not a catch-all solution to the damaging effects of natural disasters, they can be a critical tool to help prevent developing countries from regressing.
– Scott Boyce
Photo: Wikimedia Commons
5 Millennial Celebrities Fighting Poverty
The term “millennial” is one that has garnered some negative attention in the past decade in that many associate the generation with adjectives like “lazy” or “entitled.” While there are people of all dispositions and work ethics in every generation, the following is a list of five millennial celebrities fighting global poverty and challenging stereotypes about their age group.
5 Millennial Celebrities Fighting Global Poverty
These five millennial celebrities are breaking down negative stereotypes about their generation and serve as inspiring role models for the world when it comes to reducing global poverty. These celebrities’ efforts and generosity are changing the lives of countless impoverished people around the world for the better.
– Hannah White
Photo: Flickr
Saving Kidnapped Children in India
The Hidden Industry
Child trafficking is a common problem around the world. It is an industry with 20.9 million victims around the world ranging from the ages of 1 to 18. Victims are most likely to come from poor families, particularly if they are living in an abusive home situation. Captors may lure victims into captivity with the false promises of school or work. Fifty percent of all people who suffer kidnapping and trafficking are children. Two out of three kidnapped children are girls.
In India, reports determine that 90,000 children go missing every year. The most common reason for child trafficking is that people see children as cheap sources of labor. As a result, kidnappers may tear them from their families so they never hear from them again. In these cases, the family may or may not know what is actually happening to the child. Children may also experience kidnapping for other reasons.
For many years, Indian authorities turned a blind eye to this problem. Since India did not consider child labor a crime, it had no reason to stop those who wished to exploit children for labor. However, in 2007, the remains of 17 women and children were found in a sewer beneath the suburb of Noida in Delhi. Authorities arrested the two men responsible, but civilians accused the officers of incompetence and began protesting against police negligence. Since authorities were no longer able to ignore the problem, they had no choice but to find a solution.
Technology Saves Children
Today, Indian police are saving kidnapped children in India with facial-recognition technology. The technology entered into widespread use on April 6, 2018, after India’s High Court ruled the test run of the software successful. In 2018, authorities used facial-recognition software to find nearly 3,000 missing children and reunite them with their families. Some people raise concerns that the widespread use of facial-recognition technology could be a breach of privacy. However, the National Commission for the Protection of Child Rights points out that finding and returning missing children to their families is worth it.
The Future
Child trafficking has been a problem around the world for a long time. Child trafficking has affected India more than most countries, and this is primarily due to the high number of poor families. Fortunately, facial recognition is saving kidnapped children in India. This practice is still in its infancy, but the results look promising so far.
– Cassie Parvaz
Photo: Flickr
Oil Find and Economic Growth in Guyana
Guyana discovered oil off its coast in 2015 and is on the brink of major economic growth. According to the International Monetary Fund (IMF), the projected economic growth in Guyana for 2020 is 86 percent. The projected growth rate is high for 2020 due to ExxonMobil’s oil find in the Caribbean Sea in 2015, which brought hope for change to poor Guyanese. For 2019, GDP growth was 4.4 percent, almost double from the previous year, and the 86 percent projected growth by the IMF shows an increased interest in the development of Guyana. Oil production in 2020 and in the future could bring economic growth in Guyana and add thousands of jobs.
A Potential Future in Oil
Guyana found an estimated 3.2 billion barrels of oil off its coast, with oil production beginning in late December 2019. More than 1,700 Exxon employees are working on extracting oil from Stabroek Block, the oil reservoir, and transporting oil to the Liza Destiny, a storage and offloading vessel. About 50 percent of the 1,700 workers are Guyanese. Exxon expects to produce 120,000 barrels of oil a day in 2020 and estimates 750,000 barrels a day by 2025. The 2025 estimated production would position the South American country in the top 30 countries for oil production. The 750,000 barrels a day estimate would be more oil than India produced daily in 2018. This is one reason for the IMF’s projection of a high growth rate for Guyana, as oil could transform the economy.
Uses of Future Revenue
Oil production in 2020 is exciting Guyanese about the possibilities of changing the country and its people. President David Granger commented, “Every Guyanese will benefit from petroleum production. No one will be left behind.” Guyana’s GDP per capita is about $8,100, which ranks among the lowest in the world. With oil now in production, there is potential to improve its lagging infrastructure and low income. Guyana only has about 500 miles of paved roads, yet almost 2,000 miles of unpaved roads. The President stated that oil could transform the developing country and improve life for hundreds of thousands of Guyanese.
Guyana’s government expects oil revenue of $300 million in 2020 and $5 billion for 2025. This could further enhance economic growth in Guyana and bring the possibility of distributing the money to lagging sectors. In 2019, the government spent $2 billion in its infrastructure. This included constructing or upgrading roads, bridges, highway lights and drains. The East Coast of Demerara Road Widening Project affects more than 100,000 of Guyana’s 777,000 population. Guyana approved about $500 million for the project that focuses on upgrading roadways along the coast. Most of the population resides near the coast and along the Demerara River. Guyana could not only use oil revenue to further develop Guyana but also to add jobs, as the ExxonMobil operation is already showing.
The Impact of Guyanese Oil Revenue
There is steady economic growth in Guyana, as one can witness from its GDP rising from 2.1 percent in 2018 to 4.4 percent in 2019. The IMF’s projected 86 percent growth rate for Guyana in 2020 expresses big expectations for the South American country. Although Guyana’s potential future wealth is good news, the developing country will need support in transforming its newfound wealth into positive change for its people. Every poor country that strikes oil does not always manage natural resources well, yet with the right tools and guidance, Guyana could reduce its 35 percent poverty rate by adding jobs and transforming into a developed economy.
– Lucas Schmidt
Photo: Wikipedia Commons
10 Facts About Girls’ Education in Macedonia
The Republic of North Macedonia, commonly referred to as Macedonia, is a republic in the Balkan Peninsula. After the country’s independence from Yugoslavia in 1991, Macedonia had a tumultuous relationship with Greece. Macedonia became a U.N. member in 1993, and in 1995, Greece and Macedonia agreed to ease tensions in their relationship. After Macedonia’s 29 years of existence as a nation, girls’ education in Macedonia is coming into the spotlight as part of the country’s initiative to improve its education system. Here are 10 facts about girls’ education in Macedonia.
10 Facts About Girls’ Education in Macedonia
While there is certainly room for improvement in girls’ education in Macedonia, it is clear that the Macedonian government is taking steps toward improving education. Girls’ education in Macedonia is not a singular issue of gender discrimination. Rather, it is a diverse issue that has its roots in socio-economic backgrounds and race of the girls in Macedonia. With the help of international groups such as OECD and UNICEF, the Macedonian government is improving the education of girls.
– YongJin Yi
Photo: Flickr
Indonesia Ends Child Marriage
The Problem
In Indonesia, the general consensus is that if a girl has any association with a boy to whom she is not related, they marry as soon as possible. The assumption is that any heterosexual relationship can and will lead to sex and pregnancy. Girls are often pressured into marriage at a young age.
The New Movement and Its Implications
Indonesia’s 1974 Marriage Law permits girls as young as age 16 to get married. However, under Indonesia’s 2002 child protection law, anyone under the age of 18 is considered a child. These competing laws create a situation where girls still marry young despite legally being children.
The Future for Indonesia
Child marriage remains a problem in Indonesia even as the world enters a new decade. Girls feel pressured to marry young and may not wait until the legal age to do so. Therefore, the country still needs to work to change the attitudes of its citizens. However, if Indonesia ends child marriage by raising the minimum age required to marry, maybe it will help encourage these girls to stay in school.
– Cassie Parvaz
Photo: Wikimedia Commons