Comment by Riaz Haq on March 8, 2022 at 6:49pm

The State Bank of Pakistan (SBP), the country’s central bank and top #banking regulator, has directed all banks to employ at least 20% of #women in the workforce by 2023. #internationalwomensday #gender #finance
- Newspaper - DAWN.COM

https://www.dawn.com/news/1678880

KARACHI: The State Bank of Pakistan (SBP) has directed banks to employ at least 20 per cent of women in the workforce by 2023.

Gender diversity is a must for economic development and inclusion of women in the financial system, State Bank of Pakistan (SBP) Governor Dr Reza Baqir said on Monday at the launch ceremony of Asaan Digital Account (ADA).

The SBP in collaboration with Bank Alfalah, Standard Chartered Bank and UBL, hosted an event titled ‘Asaan Digital Account: Breaking Barriers’ on the eve of International Women’s Day.

Dr Baqir said that through Roshan Digital Account, the country has received about $3.5 billion during one and half years which is more than the foreign direct investment and the loans given by the International Monetary Fund.


Dr Baqir expressed confidence that ADA will break the barriers in financial inclusion of women by offering faster, cheaper, efficient and convenient solutions for meeting their requirements.

ADA is a digitised solution for opening a full-service bank account from anywhere, at any time, through smartphones or computers with only a CNIC and no other documentation requirements.

The governor lauded the contributions of women in various fields and stressed that women’s empowerment is the key to socio-economic developments in the country. He said that gender gaps do not allow women the same freedom to avail themselves opportunities, rights and obligations in all walks of life as compared to men. However, International Women’s Day encourages us to pause and reflect on the systemic barriers that limit women in their pursuits. He stressed the need to reflect and renew the sense of ambition, and transformative possibility around gender equality in the financial services space.

Comment by Riaz Haq on March 9, 2022 at 7:43am

#Pakistan’s Bismah Maroof radiates the power to inspire change in #cricket. Pakistan’s captain is back playing in the #Women’s World Cup, having brought her 6-month-old daughter Fatima with her. #ICCWomensWorldCup2022 #NewZealand #InternationalWomensDay https://www.theguardian.com/sport/2022/mar/09/the-spin-cricket-paki...

It is more than 33 years ago since Neneh Cherry swaggered around the Top of the Pops stage in big white trainers performing Buffalo Stance with the fierce energy of a woman who was having a fine old time and wanted everyone to know about it. Around her neck hung a huge medallion and she wore a golden bustier and matching jacket. But it wasn’t her outfit that was the talking point at secondary school the next day – but the seven-month pregnancy bump that stuck proudly out of her Lycra miniskirt as she lip-synched along.

It was the first time many of us had seen a pregnant woman being, well, visible and certainly the only time we’d seen one looking so sensationally cool. Allegedly, a journalist was daft enough to check with Cherry that it was safe for her to go on stage in her state of pregnancy, to which she sighed: “It’s not an illness.”

It was footage of the Pakistan captain, Bismah Maroof, holding her six-month-old daughter Fatima at the Women’s World Cup in New Zealand that instantly brought back memories of that Thursday night watching Cherry. Although Maroof was dressed in her pine-green Pakistan tracksuit and had her hair pulled back in a sportswoman’s ponytail, she radiated the same power to inspire change.

Seeing female cricketers with their children is not unknown, and there are eight mothers playing in the current World Cup – Maroof, the New Zealand captain, Amy Satterthwaite, and her wife, Lea Tahuhu, West Indies’ Afy Fletcher, Australia’s Megan Schutt and Rachael Haynes, and Lizelle Lee and Masabata Klaas of South Africa – but it is practically unheard of on the subcontinent, where marriage and/or childbirth is usually the end for a cricketing career.

A fantastic article by Annesha Ghosh in The Cricket Monthly, looking at motherhood and cricket, summarises that only three of the 81 female cricketers contracted by India, Pakistan, Sri Lanka and Bangladesh are married. Maroof, then, is an outlier, not only leading her country but showing that motherhood does not have to spell the end to sporting ambition.

Maroof tells Ghosh that even during her own career, some of her teammates have had to give up the game: “Batool [Fatima], Nain [Abidi], Asmavia [Iqbal], Qanita [Jalil] and several others – they were all Pakistan teammates of mine who either couldn’t resume cricket for a long time after marriage or had to leave it altogether for good.”

However, the increased professionalism of the game over the past few years, and Maroof’s own pregnancy, nudged the Pakistan Cricket Board, during Wasim Khan’s spell as chief executive, into a maternity leave policy. This gives women a year’s paid leave (and men a month) plus shared costs of a support person to help with childcare – in this case Maroof’s mother, who has been seen cuddling Fatima in the stands.

Comment by Riaz Haq on April 29, 2022 at 4:27pm

Pakistan women fight gender norms to build online health business
by Zofeen T. Ebrahim |

https://news.trust.org/item/20220427154524-2hs38

Growing number of Pakistani women jump into health tech

Women founders face multiple barriers in conservative Pakistan

Mental health care not considered legitimate

Pakistan, April 28 (Thomson Reuters Foundation) - After surviving a car crash that left her hospital-bound and unable to walk for months, Saira Siddique embarked on a mission: making health care accessible to Pakistanis.

The 45-year-old left her high-profile job in government health to pitch her app linking doctors and patients by video to investors.

Months later, with COVID-19 hurting businesses across Pakistan, Siddique's firm, MedIQ, burst on to the scene as the country's first "virtual hospital".

"(The pandemic) really gave a boost to my company," said Siddique.

With face-to-face doctors' appointments restricted due to contagion risks, Siddique's company, connecting patients across Pakistan with doctors and pharmacies, was suddenly in demand.

MedIQ served 16,000 patients in its first six months. Almost two years on, the number has increased by nearly 20 times.

Siddique is one of a growing number of women in Pakistan who are defying conservative gender norms by jumping into the health tech industry.


"Running a startup business is like riding a bull," she told the Thomson Reuters Foundation by phone from the capital Islamabad.

"You never know which way or how hard it's going to buck."

Siddique's company raised $1.8 million in an early stage of financing last week after receiving mentoring in the World Bank-backed WeRaise programme, which helps women-led ventures in Pakistan raise capital.

'DOCTOR BRIDES'
Others are blazing a similar path.

Two entrepreneurs in Karachi wanted to use the untapped potential of tens of thousands of so-called "doctor brides" - women doctors who quit their medical practise after marriage in a country where millions have no access to medical care.

Iffat Zafar Aga and Sara Saeed Khurram's platform allows female medics to provide e-consultations from their homes to patients in mostly rural communities.

In the country of some 210 million the doctor-patient ratio stands at just a little over one for every 1,000 patients, according to the World Bank.

Countries such as the United States, Japan and Brazil have more than two doctors for every 1,000 patients, while Britain has nearly four.

The pair has set up dozens of 'e-health clinics' in low-income communities where, for as little as 80 rupees ($0.43), a patient visits a nurse who uses the online platform to reach a doctor.

Khurram said they provided free consultations during COVID-19 after the government sought their help - a task made possible by their team of 7,000 doctors, many of whom are former doctor brides.

The phenomenon of doctor brides remains pervasive with many families encouraging their daughters to study medicine not for a career, but to bolster marriage prospects.

More than 70% of the country's doctors are women, but only half will ever practise, according to the Pakistan Medical Commission.

'LATE-NIGHT DEALS'
From domestic violence to anxiety over job losses and grief of losing family members to Covid-19, requests for virtual appointments on ReliveNow, an online mental health care platform, surged during lockdowns.

Amna Asif, its founder and CEO, said most of the clients were women, including single mothers, struggling to juggle children while working from home.

"This put us on the radar, and helped increase our sales," said Asif by phone.

Founded in 2018, ReliveNow has clients - 80% of whom are women - in dozens of countries including Pakistan, Britain, Canada and Australia.

But the road to success for firms like MediIQ and Sehat Kahani has been paved with misogyny, stereotypes and discouragement.

Comment by Riaz Haq on May 2, 2022 at 4:33pm

Hira Mohibullah has moved to the North American market, becoming executive creative director at VMLY&R based in Kansas City. She formerly served as ECD at BBDO Pakistan. Mohibullah now joins the senior ranks of VMLY&R’s U.S. creative team and report to John Godsey, chief creative officer, North America.

https://www.shootonline.com/news/exec-creative-director-hira-mohibu...

Mohibullah spent six years moving up the ladder to ECD at BBDO Pakistan where she worked on such accounts as Unilever, 7UP, Frito-Lay and UNWomen Pakistan. In her time at BBDO, Mohibullah’s leadership was instrumental in elevating the agency’s reputation into worldwide circles. Mohibullah has won over 215 international awards, including Cannes Lions, D&AD and Clio honors, receiving international acclaim for campaigns that have driven social progress such as changing legislation around child marriages, reducing child-burn incidents by 50% and supporting the reunion of missing children with their families.

“With her award-winning creative talent, wide-ranging experience, as well as strong design thinking, I am confident Hira will deliver exceptional approaches and solutions for our clients and continue to push creative momentum for the agency,” said Godsey.

Mohibullah is celebrated for her advocacy of gender balance in the workplace. She has leveraged the power of advertising to impact positive social change in Pakistan, with a special focus on women’s empowerment. A mother of two, she has helped set up a daycare at two of her previous workplaces, enabling more mothers to join and remain in the workforce.

“VMLY&R boasts of a phenomenal body of work that’s powered by human connection and I’m absolutely thrilled to have the opportunity to drive that vision forward,” Mohibullah said.

Over her 12-year career, Mohibullah has also worked at agencies including Ogilvy and Leo Burnett and brings 10-year beverage experience on brands including Coca-Cola and PepsiCo.

Additional accolades include Cannes Lions See It Be It alumnus, Creative LIAisons mentor and TEDx speaker. She has also served on juries for such competitions as Cannes Lions, D&AD, Clio, New York Festivals, Young Guns and ADSTARS.

Comment by Riaz Haq on May 22, 2022 at 9:09am

Pakistan’s generational shift
By Dr Ayesha RazzaqueMay 22, 2022

https://www.thenews.com.pk/print/959718-pakistan-s-generational-shift

Last year saw the publication of ‘Womansplaining – Navigating Activism, Politics and Modernity in Pakistan,’ a book edited by Federal Minister Sherry Rehman to which I was able to contribute a chapter. It connected education with women’s rights and argued that indigenous movements like the Aurat March should focus on education as a core part of their agenda.

Detractors of Pakistan’s women’s rights movement have been taking potshots at it by claiming that the issues it raises are not the issues of ‘real’ (read: rural) women. Put aside for a minute the fact that Pakistan’s rural population now accounts for 62 per cent, down from 72 per cent in 1980, and is on a steady decline. While the numbers may differ, and women’s power to negotiate may differ, rural and urban women share basic challenges and better education can yield similar opportunities and improvements in life circumstances.

Indigenous progressive and women’s rights movements have adopted the cause of education as an agenda item but should make it front and center, specifically K-12 education for girls in rural areas. New data further substantiates that connection with numbers. Education up to the higher secondary level, just the education that rural schools offer today, is the enabler that brings increased women’s labour force participation, delayed first marriage, lower rates of consanguinity, increased income, increased spousal income, and is a contributing factor to greater freedom of movement and communication – all positives.

Studies exploring the relationships between levels of education and life circumstances around the world are plentiful and capture the situation at a point and place in time. The Learning and Educational Achievements in Pakistan Schools (LEAPS) programme is qualitatively different because it already spans a period of almost two decades. The LEAPS programme has been tracking lower- and middle-income households in 120 randomly selected villages across three districts in rural Punjab since 2003. It has been revisiting them since then, most recently for the sixth time in 2018, roughly once every three years. That makes it one of the largest and longest panels of households in lower- and middle-income countries. This study is also unique as it looks at return on investment in education beyond an individual’s income and looks into the possible spillover into life circumstances and quality-of-life which is especially interesting for those interested in women empowerment and feminist movements.

In this latest round it surveyed 2006 women now aged 20-30. All these women were from the same 120 birth villages and have been tracked to their marital homes within or outside the village if they have married, migrated or moved for any other reason. Preliminary descriptive results of the long-running LEAPS study tell interesting stories. The headline finding of LEAPS investigators is that Pakistan is in the midst of a ‘generational shift’ where, for the first time in its education history, we have a ‘critical mass of moderately educated women’.

In this generation only 18.7 per cent of rural women are without an education, down from 75.5 per cent from their mothers’ generation. Nearly 50 per cent have an education ranging from a primary to secondary education, up from just 20 per cent in the previous generation. A stunning 22.9 per cent have a higher secondary or above education, up from an almost nothing 0.3 per cent in their previous generation.



-----------

Existing plans, at least in the domain of education, remain unguided by some of the very excellent evidence that is available. Meanwhile, the Planning Commission is organizing a ‘Turnaround Pakistan’ conference perhaps as early as May 28 to conduct national consultations. Whether a hurriedly thrown together conference can change the way business is done remains to be seen.

Comment by Riaz Haq on May 22, 2022 at 5:36pm

So, in 2020-21 for every hundred rupees that employed men earn, women earn around eighty-one rupees. This is up from women earning seventy rupees for every hundred rupees that men earned in 2018-19. (Labor Force Survey 2020-21)

https://nation.com.pk/2022/04/29/pakistans-labour-force/

Using ILO’s framework, the gender pay gap in agriculture in Pakistan is still very high—36.24 percent. The good news is that this is lower than 2018, when the gender pay gap was 40.69 percent. To put another way, in 2020-21, for every hundred rupees that men employed in the agriculture sector earn, women earn around sixty-three rupees only. This is up from women earning fifty-nine rupees for every hundred rupees that men in the agriculture sector earned in 2018-19. Again, while the gender pay gap is atrociously high, over the period of analysis it has declined and that is an absolutely positive achievement. The overall gender wage gap has almost halved over the period of analysis. So, in 2020-21 for every hundred rupees that employed men earn, women earn around eighty-one rupees. This is up from women earning seventy rupees for every hundred rupees that men earned in 2018-19.
This report paints a rosy picture of the labour force in Pakistan. But some macroeconomic issues continue to manifest. Low LFPR among the youth, urban unemployment which exerts additional pressure on the cities, gender pay gaps and disproportionate size of the informal economy. Moving forward, serious attention has to be paid on generating meaningful employment across the country, specifically in KP which has the highest rate of unemployment.

Comment by Riaz Haq on May 23, 2022 at 12:42pm

LEAPS is a youth-led ECCE program that trains female youth, 18–24 years, as Community Youth Leaders (CYLs) to deliver high-quality ECCE for children, 3.5–5.5 years, in rural Sindh, Pakistan.

https://trialsjournal.biomedcentral.com/articles/10.1186/s13063-021....

The Sustainable Development Goals (SDGs) highlight the importance of investments in early childhood care and education (ECCE) and youth development. Given Pakistan’s large young population, and gender and urban-rural inequalities in access to education, training, and employment, such investments offer opportunities. LEAPS is a youth-led ECCE program that trains female youth, 18–24 years, as Community Youth Leaders (CYLs) to deliver high-quality ECCE for children, 3.5–5.5 years, in rural Sindh, Pakistan.


-----------

The results showed significant improvements in children’s school readiness as assessed by the International Development and Early Learning Assessment (IDELA; [31]) (Cohen’s d = 0.3) [26]. A qualitative analysis of CYL exit interviews also indicated improved professional and personal development benefits for female youth leaders including aspirations for education and career, mental health benefits, and higher self-confidence [32, 33].

Comment by Riaz Haq on May 30, 2022 at 4:24pm

Pakistan Labor Force Survey 2020-21

Refined Activity (Participation) Rate (%)

Pakistan Total 44.9 Male 67.9 Female 21.4

Rural 48.6 Male 69.1 Female 28.0

Urban  Male 65.9 Female 10.0

https://www.pbs.gov.pk/sites/default/files/labour_force/publication...

Comment by Riaz Haq on June 12, 2022 at 10:31am

90% of Women in India Are Shut Out of the Workforce
A small fraction of women in India had formal employment before the pandemic. Covid made it so much worse.

By Ronojoy Mazumdar and Archana Chaudhary
June 1, 2022, 5:01 PM PDT

https://www.tbsnews.net/bloomberg-special/90-women-india-are-shut-o...

For years, Sanchuri Bhuniya fought her parents' pleas to settle down. She wanted to travel and earn money — not become a housewife.

So in 2019, Bhuniya snuck out of her isolated village in eastern India. She took a train hundreds of miles south to the city of Bengaluru and found work in a garment factory earning $120 a month. The job liberated her. "I ran away," she said. "That's the only way I was able to go."

That life of financial freedom ended abruptly with the arrival of Covid-19. In 2020, Prime Minister Narendra Modi declared a nationwide lockdown to curb infections, shutting almost all businesses. Within a few weeks, more than 100 million Indians lost their jobs, including Bhuniya, who was forced to return to her village and never found another stable employer.

As the world climbs out of the pandemic, economists warn of a troubling data point: Failing to restore jobs for women — who have been less likely than men to return to the workforce — could shave trillions of dollars off global economic growth. The forecast is particularly bleak in developing countries like India, where female labor force participation fell so steeply that it's now in the same league as war-torn Yemen.

This week's episode of The Pay Check podcast explores how the coronavirus accelerated an already worrying trend in the world's second-most populous country. Between 2010 and 2020, the number of working women in India dropped from 26% to 19%, according to data compiled by the World Bank. As infections surged, a bad situation turned dire: Economists in Mumbai estimate that female employment plummeted to 9% by 2022.

This is disastrous news for India's economy, which had started slowing before the pandemic. Modi has prioritized job creation, pressing the country to strive for amrit kaal, a golden era of growth. But his administration has made little progress in improving prospects for working women. That's especially true in rural areas, where more than two-thirds of India's 1.3 billion people live, conservative mores reign and jobs have been evaporating for years. Despite the nation's rapid economic expansion, women have struggled to make the transition to working in urban centers.

Closing the employment gap between men and women — a whopping 58 percentage points — could expand India's GDP by close to a third by 2050. That equates to nearly $6 trillion in constant US dollar terms, according to a recent analysis from Bloomberg Economics. Doing nothing threatens to derail the country on its quest to become a competitive producer for global markets. Though women in India represent 48% of the population, they contribute only around 17% of GDP compared to 40% in China.

India is an extreme illustration of a global phenomenon. Across the world, women were more likely than men to lose jobs during the pandemic, and their recovery has been slower. Policy changes that address gender disparities and boost the number of working women — improved access to education, child care, or flexible work arrangements, for example — would help add about $20 trillion to global GDP by 2050, according to Bloomberg Economics.

For workers like Bhuniya, 23, the pandemic had heavy consequences. After losing her job, she struggled to afford food in Bengaluru and eventually returned to her remote village, Patrapali, in the state of Odisha. Bhuniya doesn't think she'll have another opportunity to leave. She no longer earns a steady income, but her family worries about her safety as a single woman living in a distant city.

Comment by Riaz Haq on June 12, 2022 at 10:34am

https://www.tbsnews.net/bloomberg-special/90-women-india-are-shut-o...

"If I run away again, my mother will curse me," said Bhuniya. "Now, there's nothing left. My account is empty and there's little work in the village."

The story echoes across India. During the pandemic, Rosa Abraham, an economics professor at Azim Premji University in Bengaluru, tracked more than 20,000 people as they navigated the labor market. She found that after the first lockdown, women were several times more likely to lose their jobs than men and far less likely to recover work after restrictions lifted.

Pandemic Impact on Employment
How India's Covid lockdowns affected employment for men and women


Increased domestic duties, lack of childcare options after school shutdowns, and a surge in marriages — which often confine women's autonomy in India — help explain the difference in outcome.

"When men are faced with this kind of a huge economic shock, then they have a fallback option," Abraham said. "They can navigate to different kinds of work. But for women, there is no such fallback option. They can't negotiate the labor market as effectively as men do."

Dreams of freedom or a well-paid office job were replaced with what she called "distress-led employment," essentially unpaid work on a family farm or taking care of the home. Prior to the pandemic, Indian women already performed about 10 times more care work than men, around three times the global average.

"It is the unfortunate situation that the decision to work is often not in the hands of the woman herself," Abraham said.

The decline in workforce participation is partly about culture. As Indians became wealthier, families that could afford to keep women at home did so, thinking it conferred social status. On the other extreme, those at the lowest rungs of society are still seen as potential earners. But they tend to work menial or unpaid jobs far from the formal economy. In the official statistics, their labor is not counted.

In many villages, patriarchal values remain ironclad, and a stigma against girls persists. Though illegal, sex-selective abortions are still common. Akhina Hansraj, senior program manager at Akshara Centre, a Mumbai-based organization that advocates for gender equity, said Indian men often think "it's not very manly if their wife contributes to the family income."

"They want to create this dependency," Hansraj said. "People believe if women get educated, they might work and become financially independent and then they may not obey and respect the family."

Marriage is a sticking point in India, where most weddings are still arranged. After the first lockdown, in 2020, the country's leading matrimony websites reported a spike in new registrations. In some states, marriages among children and young adults — many of them illegal under Indian law — jumped by 80%, according to government data.

Madhu Sharma, a Hindi teacher at the Pardada Pardadi Educational Society, a girls' school in the northern town of Anupshahr, said she might intervene in three child marriages a year. During the pandemic, when the campus closed, the number increased three to four times.

"Before Covid, children were always in touch with their teachers and also with me," she said. "After Covid, when the children had to stay at home, keeping in contact with them became a big challenge."

Financial considerations often tipped the scales in favor of marriage. Social distancing and warnings against large gatherings meant parents could hold small, less-expensive ceremonies at home, rather than the multi-day celebrations that are common even in the poorest pockets of society. During the direst stretches of the pandemic, some families married off daughters because they couldn't afford to feed another mouth.

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