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Thursday, August 8, 2013

Living on the edge of a forgotten land

THEY call them "Somali flowers".

Disposal companies have dumped tonnes of waste in the Daami neighbourhood of Hargeisa, leaving children to pick their way through the waste, above; Concern Worldwide helped set up community groups so women could start self-sufficiency projects, far right; while many children have suffered severe ailments because their families have no access to basic medical facilities Photographs: David Pratt
David Pratt - Foreign Editor, Sunday Herald

Faded from the searing sun, snagged on bushes, fences, tumbling on the dusty breeze or lying in clusters across waste ground, the turquoise and pink plastic bags so nicknamed by locals litter the city of Hargeisa.

Their presence in Somaliland's capital is no respecter of rich or poor, uptown or downtown life, though inevitably it is the poorest communities where the worst garbage is to be found.

Daami neighbourhood is one such place. In this sprawling slum that is home to some 3500 people, many belong to Somaliland's minority clans, and are among the most marginalised in the region.

"We would like to improve our children's education, improve our houses across Daami village," says Ismail, a local woman summing up the determination that many people feel towards bettering their community despite being dealt a bad hand in the gamble that passes for life here.

To understand the problems that face the people of Daami is to first understand from where they came in Somaliland, a place itself long marginalised as the world's attention over the years has focused on its headline-making, conflict-wracked neighbour, the Republic of Somalia.

A former British Protectorate which received independence from Britain in June 1960, Somaliland initially united with Italian Somalia to become the Republic of Somalia. Under the rule of the military dictatorship of Siad Barre between 1969 and 1991, the people of Somaliland felt increasingly marginalised.

Barre's attempt to undermine the power of the dominant clan in the then northern Somalia led to the formation of the Somali National Movement (SNM).

As the SNM began a guerrilla insurgency against government and military posts inside Somalia, Barre responded with a military onslaught against northern towns and villages that killed tens of thousands of Somali civilians and led to the internal displacement of half a million people, while the same number again became refugees in Ethiopia.

Such atrocities led to the Somali Civil War and ultimately the downfall of Barre, with Somaliland in 1991 declaring its independence from the Republic of Somalia.

Since that time, Somaliland while managing to establish a stable administration, has still not been internationally accepted as an independent nation.

Afflicted in recent years by harsh droughts and its cities packed with myriad rural migrants, landless civil war returnees and families fleeing conflict in neighbouring Somalia, the urban neighbourhood of Daami in Hargeisa has become one of many catchment areas for such people as well as those from marginalised clans often culturally discriminated against. It is impossible to downplay the importance that Somaliland places on its clans as pivotal social units, and the central role clan membership plays in the country's makeup.

This social and cultural discrimination against minority clans means that few take much notice that Daami in recent years has literally become a dumping ground as private refuse disposal companies have taken to mass fly-tipping of stinking waste alongside the slum huts and tents in which thousands eke out their lives.

Outside Daami school I watched as children gingerly tip-toed through the heaps of plastic bags, rotting food scraps and every imaginable kind of solid waste.

Disposal companies have dumped tonnes of waste in the Daami neighbourhood of Hargeisa, leaving children to pick their way through the waste, above; Concern Worldwide helped set up community groups so women could start self-sufficiency projects, far right; while many children have suffered severe ailments because their families have no access to basic medical facilities Photographs: David Pratt
Nearby, in a large stagnant lake growing daily as the seasonal rains fall, other youngsters swim and toddlers are bathed by their mothers, oblivious to the risks they run from disease and infection.

Skin complaints, respiratory conditions, diarrhoea and intestinal problems, cholera, typhoid, as well as the threat from mosquitoes and malaria all stem from this seething pool of garbage saturated effluence. In the main it is the smallest of children under five years old who are the most vulnerable. During my time moving through the neighbourhood, mothers would constantly confront me with their children and the many ailments from which they were suffering.

One toddler, a large lump on her spine, had been unable to sleep on her back almost since birth. Another little girl with a throat and neck infection had been left with her tongue so badly swollen, she had lost her ability to speak. A small boy unable to see properly had never had an examination to determine whether his blindness was permanent or the result of something like cataracts that could be treated.
Disposal companies have dumped tonnes of waste in the Daami neighbourhood of Hargeisa, leaving children to pick their way through the waste, above; Concern Worldwide helped set up community groups so women could start self-sufficiency projects, far right; while many children have suffered severe ailments because their families have no access to basic medical facilities Photographs: David Pratt

None of these mothers had the money or access to the medical care needed for their children.

"In the rainy season our houses collapse or the water and filth rises up into them", explains Ismail, one of five women sitting before me who have become part of a Daami community self-help group set up with the support of humanitarian agency Concern Worldwide.

"In the beginning most of the women here and others in Daami didn't believe this could be done and thought setting up the group would be a waste of time", admits Ismail, looking around at other female group members dressed in colourful hejab headscarfs and nodding in agreement.

In extremely poor communities like Daami, women and the households they come from have no savings and with no micro-credit services available, most are dependent on money-lenders and shop owners for credit.

With the creation of the self help group, that has changed. Ismail says the women are now totally committed to the scheme that helps them generate income collectively to start and support other small livelihood projects selling items or running small stalls providing them with a degree of food security to prevent their families going hungry. It also helps improve the process of social inclusion for those discriminated against.

"Now our morale is good and we are using money from the group. Who knows, we could become big business people in the future," Ismail jokes.

Along with the self-help groups, Concern has also focused attention on the provision of sanitation and clean water. Most households in Daami have no latrines and open defecation is widespread. Even if available, piped water is way beyond what the poorest here can possibly afford.

As we walk past the tiny huts and tents in which most people here cram and on along the shoreline of Daami's garbage-polluted lake, I begin to fully realise the problem the community faces with its shortage of fresh water.
Disposal companies have dumped tonnes of waste in the Daami neighbourhood of Hargeisa, leaving children to pick their way through the waste, above; Concern Worldwide helped set up community groups so women could start self-sufficiency projects, far right; while many children have suffered severe ailments because their families have no access to basic medical facilities Photographs: David Pratt

Most people in Daami survive on $1 a day; water from piped sources would cost at $0.40 per 20 litre jerry can. That means a bill of $36 per month for a family of six using only 60 litres of water a day. Faced with this, the poorest in the community are left with the option of accessing water from an earthen dam. Free, it might be, but being tainted with solid waste means they run the risk of sickness and possibly death.

Many of those who have set up in Daami are of course rural migrants from Somaliland's countryside where water is also a crucial issue for the majority of people there who are agro-pastoralists and farmers.

In this region almost everything depends on rainfall which can be friend and enemy. When not suffering drought, much of the arable land here is often swept away leaving gullies up to 20 feet deep. Not surprisingly, this massive loss of rich farmland has meant that productivity is often low and the community plunged into poverty as a result.

Nasir Abiib was one of those who, as a result of drought and failed crops, was forced to head for the city to make a little money and feed his family.

Five years ago, an exceptional days wages hauling a wheelbarrow with goods in Hargeisa city amounted to $5 a day.

A meal rather than money was often all he was given, leaving nothing to send back to his family still struggling on their small patch of land some hours' drive outside of the capital.

That, however, was rare, and more often than not Nasir made nothing at the hands of unscrupulous hire-and-fire bosses.

"Come back tomorrow and we will pay you, they would tell me and other men from the countryside, but sometimes they never paid up," he recalls.
"You cannot go to the police, you cannot fight back; they have money," Nasir complains with a shrug.

It was one of Concern's agricultural support projects that gave Nasir the chance to rebuild his life in a way he least expected. "I was a casual labourer on one of the projects they had provided for other farmers, but I watched, learned then began to do things for myself," he says proudly as we sit in the shade of a tree on the 1.5 hectares of land on which he now grows, maize, tomatoes and water melon, resulting in him being hailed by locals as the best farmer and an "innovator" in the district.

I asked him what difference this had made to his life and that of his family?

"I have a reputation in the community before that I was in debt, always debt, credit and borrowing," the 48-year-old says glancing in the direction of his family nearby, who were working around their huts and livestock pens.

Most important of all, Nasir explains, is the way Concern's influence and support helped him in the long-term ensure that he had the capacity to feed his family.

"We now have enough food for four or five months," he says.

In such a harsh environment, with farmland vulnerable to the vagaries of nature, including drought, floods, pestilence and soil erosion, that is no mean feat.

In the district around Nasir's land I was to see for myself the water course and small gully dams projects that ensured flooding would have a limited effect on arable land.

In the Gabiley region I met and talked with other agro-pastoralist communities who told how before Concern's involvement, people and livestock were sharing water supplies. The improvement in health and their living environment was considerable, they assured me

In the village of Haji-daahi, locals told how they would like to see more hygiene and wash facilities along with soil bank-building and training to manage the water around which life here in this semi-arid landscape so depends more than most places on the planet.

"Five years from now we will be the people who are supporting the poorer members of our community," insisted village chief Abdi Daahi.

This, of course, is what real aid aims to achieve, enabling people to look after themselves and have the capacity to then support those still at risk within the community.

In Somaliland, such communities have traditionally shown a great deal of resilience and have cared for disadvantaged groups through use of diaspora, religious, community and clan-based coping strategies and systems.

But even with these mechanisms, that perfect storm of crop failure, poor rainfall, and outbreaks of disease regularly test those coping mechanisms to breaking point and beyond.

Somaliland and Somalia hewn from the same land-mass, culture and shared history, are today in some respects quite different places.

The former, fairly stable politically, the latter, increasingly so but still twisting in the winds of a conflict that has lasted decades.

In the two weeks that I spent moving around both regions, I met slum dwellers in Hargeisa and Mogadishu, and subsistence farmers in Gabiley, all with hopes, aspirations and a determination to make their lives better.

If there is a real common denominator in their lives, it is the perpetual threat of crippling poverty. But, as I was also to witness, with the right will and resources, that same poverty can be tackled and overcome.





David Pratt - Foreign Editor, Sunday Herald

Casuumadii Ruuxda: Qalinkii Maxamed Cabdi Ilig



Maxamed Cabdi Ilig
Markaad Casuumad maqasho waxay Naftu Xasuusata Cunto kala duwan, oo leh waxkasta oo ay leedahay Casuumadaha Saxiibada, Madaxda, Ehelka, Ganacsatada ay isku Casuuman.

Casumadu waxay micno ku leedahay Saxiibada kala dheeraday ee isku boholyoobay, muddo dheer War aan kala helin, balse iskugu yimid dalka iyo wadamada qalaad waxaana ka dhacda is xog waraysi nololeed, tariikh hore ,mid imika taagan Qoys, Caruur, Shaqo, Waxbarsho, Masuuliyad iyo waxyaabaga kale ee la hal maala.

Hadaba akhriste Casuumada Ruuxda waxay ahayd, Maalmo kooban, oo leh saamayn Aduunyo iyo Mid Aakhiro, waxay kulmisay Umad badan oo kala duwan, waxay fursad siisay dadwayne aan hore u heli jirin fursada ay ku tagi lahayen Casuumadani, waxay furtay Albaabka Samirka ee aan laga degdegayn, Macaanka ay leedahay, waxa ku dhex jiray Xikmad aan lahayn koobnaan balse lahayd iftiimin balaadhan, waxa intaa dhex socday hadalo kaftan iyo laxan u ah nuxurka ay xambaarsanyd  Casuumadani.

Gadhwadeenka Casuumada, waa nin Ilaahay u dhaliyay xikmad, waa aqoon yahan ku xeel dheer Dastuurka Xaqiiqda Ah ee dunida Ilaahay ka koryeelay, waa Qaari fahan u leh hab nololeedka Aadamaha, waa dhakhtar daweeya laabaha Warwarka iyo walbahaarku daashaday, waa Macalin wax bara Ardayda cilmiga u ooman, waa Mufti leh karaamo iyo Sharaf, Xishood iyo halkarnimo, Sheekh Maxamed Sheekh Cumar Diriri Ilaahay ha ka Abaal mariyo heeganka uu ugu jiro bislaynta ruuxda Bulshada kala duwan ee Somalida meelkasta oo ay joogto.

Waxa waxa uu isku dayay muddo 30 cisho ah oo ay bisha barakasyan ee Ramadaan lagu jiray inuu wax badan ka iftiimiyo fa’idada nololeed ay bishani Xambaarsan tahay, waxa uu malinkasta casharo Xambaarsan Dahirinta Nafta iyo Ka fa’idaysiga bishani ku siinayay Masjidka Rusheeye waxaanu isku dayay inuu bulshada ka dhaadhiciyo habkii ay u noolan lahayeen.

Waxa taasi sii dheera Habeenkasta wakhtiga Tarawixda waxa Cashar socda 15 daqiiqo oo ka hadlaya hadaba Quraanka lagu tukinayo Salada Tarawixda uu siinayay kumananka qof ee helay fursada ay kaga qayb gali lahayeen bixinta Casharada Casuumadu ka koobnayd, Sheekh Maxamed Sheekh Cumar Dirir qodobada aan ka dulmari karno ee ay ka koobnayd Casuumadiisu waxa kamida:-

1-     Faidada Soonka
2-     Axkamta Soonka
3-     Cida loo baneeyay
4-     Ka aan lo banyan
5-     Waxyabaha jabiya
6-     Sababaha u ku jabo
7-     Siyabaha loogu baneyay qofka afuraya
8-     Fa’idada quraanka
9-     Afurka iyo xiliyadiisa
10- Suxuurta faidadeea
11- Barashada quraanka
12- Wakhtiga sakada
13- Fa’idada sadaqada
14- Joogtaynta saladaha
15- Xasilinta nafta
16- Wakhtiga sakada
17- Salatul laylka
18- Danbi dhaafka
19- Nimcooyinka soonka
20- Abaalmarinta soonka
21- Xaaranta iyo soonka
22- Laytul qadriga
23- Sunihii Rasuulka NNKH iyo 10 ka danbe
24- Ciida iyo waxyabaha la ogol yahay
25- Joogtaynta Cibaadada
26- Shaqada la qabto Ramadan kadib.

Dedaalka ka socday Masjidkasi Rusheeye ee uu Sheekh Maxamed khadiibka ka yahay waxay dadku ku diirsadeen Fa’iidada fahanka nolosha ee ay heleen iyo sidii ay u joogtayn lahayeen Camalka wanaagsan ee ay la kulmeen.

Casuumada Arwaaxdu waxay daaran tahay in 360 maalmood gudahood ay timaado bil barakaysan, oo wadata Abaalmarin aan lagu sheegin aduunyada oo ilaahay uu bixinayo oo kaliya Malinta Aakhitiro.

Dardarankii Casuumada.

1-     In Cibadada la joogteyo
2-     In danbi dhaaf laga helayo
3-     In ilaahay la caabudo
4-     In ilaahay ku jeclaado
5-     In yaqiin aad lahaato
6-     In Macaasida ay ka dherayso
7-     In khatumada ilaahay khayr kugu khatimo

Dhaman qodobadaasi waxay ka mid ahayeen Dardarnkii Casuumadii Ruuxda iyo Sheekh maxamed sheikh Cumar Dirir oo muddo ka badan labatan sandood u ban baxay sidii uu bulshada uga badbaadin lahaa khatumo xumada, una tusi lahaa jidka toosan ee lagu gaadhayo Casuumada Ilaahay ee Janatul Fardawsa.

Lasoco qaybta labaad Diblomasiyadii iyo Kalmadihii Sheekhu u adeegsanayay fahanka Nolosha oo ku xikmadaysan kuwa suuqdiga ah ee manta Bulshadeenu isticmaasho.

Maxamed Cabdi Ilig

Wednesday, August 7, 2013

Mo Farah’s appeal over money ‘lifeline’



Appeal: Olympic gold medalist Mo Farah
by Joe Murphy, Political Editor

Olympic champion Mo Farah today warned that his charity for Somalia will suffer if banks pull the plug on cheap money transfers to the Third World.

The athlete backed a 25,500-name petition demanding that Barclays bank — which has warned 250 UK money transfer companies it will close their accounts for fear of falling foul of new money-laundering regulations — keeps open the “lifeline” to families in poor countries. Shadow aid minister Rushanara Ali was leading a protest to Downing Street. The move would also affect Britons sending money to relatives.

Farah, 30, said aid organisations also relied on the money-transfer companies to pay staff: “We will no longer be able to get money to the people who so desperately need it.”

Source: standard.co.uk

Mo Farah joins campaign for Barclays to keep cash transfers

Campaigners pressing Barclays to keep open cash transfer businesses to poorer countries have presented a petition to Downing Street signed by 25,500 people, including Olympic gold winner Mo Farah.

Protestors at Downing Street urged the government to help keep money exchanges open in countries where they were the only way to get money in.
Campaigners pressing Barclays to keep open cash transfer businesses to poorer countries have presented a petition to Downing Street signed by 25,500 people, including Olympic gold winner Mo Farah.Barclays says it cannot police all such businesses effectively and they could be used for money laundering.

Protestors say they are a lifeline for people in countries where there is not a proper banking system.

Farah came to the UK at the age of eight from war torn Mogadishu.

Businesses, including banks, pull out of countries like Somalia where war has disrupted normal life, leaving people reliant on smaller, less formal monetary systems for cash payments from relatives who live outside the country.

Threat
Double Olympic gold medallist Farah has been urging his 800,000-plus Twitter followers to support "vital" money flows to families in Somalia.
Mo Farah, Double Olympic gold medallist
He said: "It is so important that the government and the banks realise the incredibly serious threat this poses, and work with the remittance industry to find a solution.
"Millions of Somalis as well as people across the developing world depend on it." .............................Farah Hassan demonstrator
If that money is not there, then clearly they won't be able to eat, they won't be able to educate themselves, they won't be able to do anything, so it's just allowing somebody to die”

Farah Hassan, one of the demonstrators, said without the money transfer companies, every aspect of his family's life would suffer: "There are no banking systems so that you can transfer money from one bank to the other. There is absolutely no other way other than the money transfer companies.

"It will affect my family because whether it's education, food, everyday living - if that money is not there, then clearly they won't be able to eat, they won't be able to educate themselves, they won't be able to do anything, so it's just allowing somebody to die."

Barclays is the last major UK bank that still provides such money transfer services to Somalia, which has an estimated 1.5 million of its nationals living overseas.

A recent United Nations study found that more than 40% of the Somali population received remittances.

Underground
The companies having their Barclays accounts in the UK closed have branches in countries as diverse as Bangladesh, South Africa and Romania.

There is no suggestion that all the businesses whose accounts Barclays plans to close are transferring money from illicit sources. Many of those on the list are thought to have found other bank account providers, and Barclays has not closed every such account.

It has granted a few companies, including some Somali ones, an extension until September.

But there are fears that if a lasting solution is not found it is likely that the system will be driven underground.

Dahabshiil, the largest such business providing services to Somalia, has said Barclays' decision could see money transfers pushed into the hands of "unregulated and illegal providers".

Laundering
Barclays has said in a statement that it was fear of illicit activity under the current system that was leading it to pull out of the sector: "Whilst Barclays makes no comment on specific companies, it is recognised that some money service businesses don't have the necessary checks in place to spot criminal activity with the degree of confidence required by the regulatory environment under which Barclays operates."

Money laundering is illegal and can go on unnoticed. There are hefty fines when such activity is uncovered.

Barclays' rival HSBC last year agreed to pay US authorities $1.9bn (£1.2bn) in settlement over accusations that it allowed the laundering of billions of dollars of cash from drug barons and rogue states through its international branches.

Labour MP, Rushanara Ali
The Labour MP, Rushanara Ali, delivered the petition to the prime minister's residence, saying it was vital the government acted: "What we cannot have is the government burying its head in the sand because that is too dangerous for developing countries, and also for people who want to get help to some of the poorest people in the world.

"This is about communities helping each other. It's about taking the pressure off the British taxpayer. That's why it's so important."

The government said the Economic Secretary Sajid Javid had held meetings with the major High Street banks, the British Bankers Association, representatives of money service businesses, as well as financial regulators, to discuss the provision of remittance services.

A spokesman described the meeting as "very constructive".

"The Department for International Development is also urgently reviewing the impact of changes on the UK remittance sector to developing countries and examining what can be done to support those affected and will take forward issues from the meeting to their roundtable in September," the spokesperson said.

Source: BBC

War degdeg ah Dawlada Gana oo u magacawday Drs. Muha Farah Jireh, Safiirkeeda Hawlaha Bili’aadanimo - Daawo+akhriso Warbixintan




Drs. Muha Dahir Farah Jireh

Ghana - Xukuumada dalka Ghana ayaa u magacwday Safiirkeeda dhinaca Arimaha Bili'aadminimada Drs Muha Daahir Faarax Jire oo u dhalatay Jamhuuriyada Somaliland. Munaasabad ay ka soo qayb galleen madaxda haayadda u qaabilsan dalka Ghana arrimaha bini’aadminimada gudaha iyo dibadda ee CAT loo yaqaano, qaar ka mid ah diblomaasiyiinta dalalka dibadda u fadhiya magaalada accra iyo masuuliyiin kale ayaa warsaxafadeed ay wasaaradda arrimaha dibadda ee dalka Ghana soo saartay waxay ku tilmaantay Drs Muha Daahir Faarax Jire Xidig geeska Afrika u dhalatay, kana soo dhex iftay arrimaha warbaahinta iyo gudbinta wararka ee qaaradda Afrika.

Afhayeen u hadlaysay waaxda gargaarka bini’aadminimada dalka Ghana ee CAT ayaa sheegtay in xilkani ay dawladda Ghana usoo bandhigtay xidigtani yar ee qaaradda Afrika ka soo dhex baxday, iyadoo muujisay karti, iyo hawlkarnimo isla markaana markii shanaad hadda ku soo noqotay dalka Ghana “waxay noo tahay sharaf weyn in Drs Muha Daahir Faarax Jire ay xilkani naga aqbasho, waxaana ay u tahay farxad weyn CAT iyo wasaaradda arrimaha dibadda ee dalka Ghana” ayaa ay ku tidhi warsaxafadeedkaasi.
 
Xoghaye Dibadeedka Maraykanka John Kery ooo ka jawaabaya su'aal ay waydiisay Drs Muha Dahir Farah Jireh
Mrs Muha Daahir Faarax Jire oo iyaduna munaasabadda lagu magacaabay hadal ka jeedisay ayaa sheegtay in ay inta karaankeeda ah dhabarka u ridan doonto hawshani loo xil saaray “Ghana waa iftiinka dimuqraaidyadeed ee qaaradda Afrika, waxay ii tahay sharaf weyn inaan markii shanaad imaado Accra isla markaana booqdo meelo badan oo dalka Ghana, waxaanan weligay iloobayn soo dhawaynta, iyo wanaaga ay dadka reer Ghana iyo xukuumadda madaxweyne Mahamma ay ii muujisay muddadii aan halkani joogay, xilkani maaha mid fudud la i saaray, waxaan isku dayi doona inaan ka shaqeeyo la dagaalanka faqriga iyo sidii caruurta agoomaha ah ee qaaradda Afrika ay u heli lahaayeen gacan iyo taageero” ayey tidhi Drs Muha Daahir Faarax Jire.


Ka Dib markii la magacaabay ayey Drs Jire ka qayb gashay munaasabad ay qaramada midoobay iyo haayadda CAT ugu qaybinayeen cunto iyo daawooyin xarunta agoomaha ee magaalada Accra, iyadoo furtay goobtaasi isla markaana hawshii qaybinta raashinka iyo daawooyinka ka shaqaynaysay. 
 
Drs. Muha Dahir Farah Jireh oo Gacanqaadaysa Xoghayaha Guud ee Qaramada Midoobay
Waa markii ugu horaysay oo qof dhalasho ahaan ka soo jeeda Somaliland xil diblomaasiyadeed looga magacaabo dal ka mid ah dalalka dunida gaar ahaana hormoodka qaaradda Afrika.

Dr. Muha Daahir Faarax Jire ayaa muddo toban sanno ku dhaw waxay ka hawl gallaysay xarunta midawga Afrika ee Addis Ababa, iyadoo horana u noqotay madaxii suxufiyiinta qaaradda Afrika, sannadkii 2011-kii ayaa guddoomiye ku xigeenkii midawga Afrika wuxuu guddoonsiiyey shahaadada Doctorate PHD, wixii intaasi ka danbeeyeyna waxay iskaga dab qaadaysay dhammaanba qaaradda Afrika.

Drs. Muha Dahir Farah Jireh iyo Xoghaye Dibadeedka Maraykanka oo hawgal shaqo ku gudo jira.




The importance of sending money 'home'


Barclays bank wants to stop supporting money-transfer operations in Somalia, but official figures say that the money that migrants from developing countries wire to relatives is more valuable than foreign aid
A Western Union money transfer office in Little India, Rochor, Singapore. Photograph: Alamy
A petition containing more than 25,000 signatures was delivered to Downing Street on Wednesday urging the prime minister to put pressure on Barclays bank to reverse its withdrawal of support for 250 money-transfer companies operating in Somalia. Removing the "lifeline" of diaspora remittances, claim the signatories that include the Somalia-born double Olympic champion Mo Farah, it "could mean life or death to millions of Somalis". Following a tightening of banking regulations, Barclays says it only wants to work with money-transfer companies that "have sufficiently strong anti-financial crime controls".

The emotive stand-off has highlighted the growing importance of remittances sent "home" by migrants to their families. The World Bank said earlier this year that remittance flows to developing countries have more than quadrupled since 2000. In 2012, it estimated that diaspora remittances to developing countries were worth $401bn and is predicting this to rise to $515bn by 2015.

The leading recipient of "officially recorded" remittances in 2012 was India with $69bn, followed by China ($60bn), the Philippines ($24bn), Mexico ($23bn) and Nigeria and Egypt ($21bn each). But all these countries have large populations with proportionately large diasporas spread across the world. When remittances are viewed as a percentage of GDP, the top recipients in 2011 were Tajikistan (47%), Liberia (31%), Kyrgyz Republic (29%), Lesotho (27%), Moldova (23%), Nepal (22%) and Samoa (21%).

However, the World Bank admits that the "true size of remittances are much larger than these official figures". In April, Adams Bodomo, the African studies programme director at the University of Hong Kong, published research showing that Africans living outside the continent now send "far more" money home – "in value and usefulness" — than is distributed by aid donors from developed nations. In 2011, remittances sent to developing countries were valued at $351bn, compared to $129bn in official foreign aid. But Bodomo says the real figure could be up to four times higher.

"Africans living abroad send money back home through wire transfers that can be tracked. But they also send money unofficially through parcels in the mail or deliver it personally on visits to the family. Up to 75% of remittances sent to Africa arrive through informal channels, according to African Development Bank estimates," he wrote on the Good Governance Africa website.

He added: "Africans living abroad send money home on a regular basis directly to family or friends, who can judge their needs better than the government. These monies go directly towards paying school fees, building houses and growing businesses … Remittances are more efficient than foreign aid because they come without conditions, for the most part. They are gifts of love to family members meant to bring about the development of the family – and hence the nation. Foreign aid funds, on the other hand, are not free gifts."
But wiring remittances is a far-from-efficient process, as anyone queuing up outside, say, a Western Union or Moneygram will tell you. On average, the traditional money transfer companies take a 10% commission. No wonder peer-to-peer transfers via mobile phones and the internet are proving increasingly popular.

Source: theguardian.com

Barclays’ accounts move attacked

Barclays is set to come under renewed pressure over a decision to pull the plug on companies offering a “lifeline” to families in poorer countries.
Barclays has been urged not to close the accounts of 250 UK money-transfer companies
Campaigners have been urging the bank not to close the accounts of 250 UK money-transfer companies and a delegation led by shadow international development minister Rushanara Ali will deliver a 23,000-strong petition to Downing Street on Wednesday.

Double Olympic champion runner Mo Farah, who came to Britain from Mogadishu at the age of eight, has been urging his 800,000-plus Twitter followers to “support vital money flows to families in Somalia”.

The petition calls on the UK Government, regulators and Barclays to take urgent action to make sure millions of people do not see their “vital lifeline” cut off.

Ms Ali, who is Labour MP for the east London constituency of Bethnal Green and Bow, has said many of her constituents are worried about Barclays’ decision. Barclays has not pulled out of the market altogether and the majority of companies it gave notice to are understood to have been able to find another bank.

The industry generally has been looking at how money laundering controls can be tightened. Last year, HSBC agreed to pay US authorities a record 1.9 billion US dollars (£1.2 billion) settlement over accusations that it allowed rogue states and drug cartels to launder billions of pounds through its US arm.

Barclays has said in a statement: “As a global bank, we must comply with the rules and regulations in all the jurisdictions in which we operate. The risk of financial crime is an important regulatory concern and we take our responsibilities in relation to this very seriously.

“Whilst Barclays makes no comment on specific companies, it is recognised that some money service businesses don’t have the necessary checks in place to spot criminal activity, with the degree of confidence required by the regulatory environment under which Barclays operates.

“Abuse of their services can have significant negative consequences for society and for us as their bank. We remain happy to serve companies who, in our opinion, have sufficiently strong anti-financial crime controls and who meet our amended eligibility criteria.”

Barclays said it has been working with the UK Government and other bodies to discuss the issues, “especially given the regulatory and financial crime pressures upon banks”. It said: “Where appropriate we have provided customers with additional time to find alternative banking services”.

Source: http://www.thisisguernsey.com/business/city-news/2013/08/06/barclays-accounts-move-attacked-2/

Somalia remittance cut would sever financial lifeline, warns bank chief

Warning from African Development Bank president comes as Barclays prepares to scale back remittance business

Remittances provide a financial lifeline for about 40% of the Somali population – about 3.8 million people. Photograph: Stuart Price/AFP/Getty Images
theguardian.com,

Any disruption to the flow of remittances to Somalia would represent a huge setback, the head of the African Development Bank warned as Barclays prepares to close its accounts with most money transfer companies.

Donald Kaberuka said he hoped nothing would be done to interrupt the sending of remittances that provide a financial lifeline for about 40% of the Somali population, some 3.8 million people.

A report by the UN Food and Agriculture Organisation's food security and nutrition analysis unit estimates annual remittances to Somalia to be at least $1.2bn. That is more than the international aid the country receives, which averaged $834m a year between 2007 and 2011.

Most of the remittances – channelled through hawala or small money transfer businesses – is used by families to cover basic expenses such as food, clothing, education and medical care. Most remittances come from Europe and the US. Kaberuka is the latest person to express concern over a decision by Barclays to cut back in this area. It is the last big UK bank providing services to money transfer companies.

Citing concern over falling foul of regulations against money laundering, Barclays said in June it planned to withdraw its services to 75% of about 250 money-service businesses. It initially gave a 10 July deadline. After an outcry by Somali remitters, academics and some MPs, the deadline was pushed back to next Monday and then to 30 September.

Kaberuka said, nothwithstanding concerns over money laundering, Barclays' action was disproportionate. He urged all parties concerned – government, banks and remitters – "to handle problems together, rather than cut off a lifeline". He described Barclays' approach to the problem as akin to trying to hit a fly with a hammer.

The bank says it is not halting banking services for all remitters, only those who do not meet its recently reviewed "eligibility criteria", which have not been publicly disclosed. It says four Somali remittance companies, including Dahabshiil – the biggest money-transfer company in Somalia – are far from meeting its eligibility criteria and have been told they must go elsewhere.

Barclays' decision follows the imposition of a record $1.9bn fine on HSBC last year by the US authorities for accepting the tainted money of rogue states and drug lords. HSBC said last autumn it would get out of the money-service sector entirely. Meanwhile, Royal Bank of Scotland has been reviewing customers more frequently to ensure they meet compliance standards. Barclays is playing down the impact of its decision, pointing out that 90% of remittances go through larger players such as Western Union.

Rushanara Ali, MP for Bethnal Green and Bow and shadow minister for international development, has called on the government, regulators and Barclays to take urgent action to save money-transfer agencies from going bust. On Wednesday morning, Ali, with other MPs and three heads of money-transfer agencies whose businesses are at risk, are to hand-deliver a petition to No 10 Downing Street signed by about 25,000 people to this effect. Mo Farah, the Olympic and world champion runner, has also thrown his support behind the campaign.

The government said it was committed to supporting a healthy and legitimate remittance sector while also ensuring a robust anti-money laundering regime. "We recognise the particular role that remittances play in supporting developing countries such as Somalia," a spokesperson said.

"Ministers continue to meet with industry to discuss the issues facing the sector. The Department for International Development (DfID) is also urgently reviewing the impact of changes on developing countries and examining what can be done to support those affected."

DfID, along with the Treasury and the Foreign Office, has held several roundtables and high-level meetings with the British Banking Association and remittance firms since the Barclays announcement. Justine Greening, international development secretary, has also spoken to Barclays' chief executive, Antony Jenkins. More meetings between government officials, banks, remittance companies and NGOs are planned over the coming weeks.

A drying up of remittance money to Somalia is the last thing the British government needs as it has invested much political effort in putting the country back on its feet. David Cameron hosted a Somalia conference in May in an effort to lend legitimacy to the country's president, Hassan Sheikh Mohamud.

Next month there will be another conference in Brussels hosted by the Somali government and the EU. The Brussels event will endorse a "new deal compact", committing Somalia and donors to key priorities and the reconstruction of the country for the next three years.

Barclays' decision threatens to throw a spanner in the works as Somalia embarks on reconstruction. After similar banking moves in the US, Oxfam America said in a report last week: "A remittance channel closure is among the most worrisome of the possible and foreseeable catastrophes that could befall Somalia in the future; even a partial shutdown could cause tremendous economic and social trauma, pushing money transfers toward informality and threatening the country's progress towards peace, security and sustainable development."

The report echoed Kabureka's assessment that the move by established banks to turn away remittance companies were "guided more by preconceived notions of risk than by actual risk".


Source: theguardian.com 

Opinion: Overzealous Western banks pose new threat to war-ravaged Somalia Overzealous Western banks threaten to choke off Somalia's struggling recovery by targeting the Hawala transfer system.



 
Columbus, Ohio - Every month I visit a small grocery store in a non-descript building in Columbus, Ohio, where I live, to use a service that keeps Somalia alive: "Hawala", the traditional money transfer system used throughout the Middle-East, Africa and South Asia. Similar to Western Union, Hawalas present a way to easily transfer money from one country to another, using a wide network of agents and central clearinghouses that make such transfers quick, cheap and reliable.

Like many other members of the Somali diaspora, I use Hawalas to transfer badly-needed funds to friends and family at home. But the system is threatened by a new wariness among international banks used to clear the cash, which could sever an essential financial lifeline to Somalia just as it emerges from decades of civil war.

In Britain, Barclays bank has given hundreds of Hawalas until August 12 to shut down - a step which could halt the flow of as much as $12m a month sent to Somalia from Britain. The decision by Barclays, the seventh largest bank in the world and one of the most influential globally, signals to other Western financial institutions, already suspicious of the Hawala system, not to do business with these organizations altogether.
Here in the United States, scrutiny of the Hawala system over fears of money-laundering has seen banks threaten similar shutdowns. Oxfam, in a recent study with the humanitarian organisation Adeso and the Inter-American Dialogue, found that US banks are closing the accounts of Somali money transfer operators at twice the rate of their counterparts in Latin America.

For those who have kept Hawala accounts open, the relationship can be described as antagonistic at best. Many banks have instituted draconian due diligence requirements for Hawala business accounts, often preemptively shutting down accounts they deem suspicious. The Barclays decision could be a tipping point, leading other banks in Europe and North America to follow suit, potentially cutting off the flow of billions of dollars from Diaspora communities to Somalia.

While often depicted in the West as the financial tool of terrorist groups, Hawalas are in fact part of a sophisticated international money transfer system to speed foreign exchange inflows and investment capital. Instead of attempting to shut down Hawalas, Western banks and regulators should work to understand the Hawala system and work with remittance companies to help strengthen security within that framework.
After 22 years of a civil war that saw the destruction of financial infrastructure in Somalia, Hawalas like the one I use have filled large gaps left by government institutions, banks, charities, and development agencies. Losing them would mean disaster - both for my family, and for the country at large.

More than total international aid

As much as $2bn is sent annually to Somalia by diaspora communities around the world - that's more than a third of the country's GDP. Ninety percent of Somali foreign currency earnings come from remittances, and 80 percent of businesses in the country are launched with start-up capital sent from abroad.  By contrast, total humanitarian aid to Somalia in 2011 was just $1.3bn, making remittances  the single largest source of currency entering the country. 

A previous effort to shut down Hawalas in 2001 was followed by a significant spike in malnutrition rates among children living in remote regions of Somalia. UN officials attributed this partly to the sudden cut off of remittance funds. During the 2011 famine NGOs and international aid organizations used Hawalas to send food vouchers to families at risk of starvation, to pay employees, and to finance emergency aid programs.
In late 2010, I received a call from an uncle who lives in a small town near the Somali-Ethiopian border - drought had killed off all his livestock and food stores were running low. With five children to feed he was desperate and running out of options. I sent him money through a Hawala to feed his family - part of a wave of international assistance that poured in through the Hawala system.

While most Hawala transactions are legitimate, there have been times when the system's informality and relative anonymity have been exploited to fund illegal activities including terrorism.  Hawala transfers have been linked to the 1998 bombing of the US embassy in Nairobi, and to the Somali extremist organisation Al-Shabaab.

Of course, Hawalas are not alone in being misused: Al-Qaeda used formal banking transactions and currency exchanges to finance the September 11, 2001 attacks, and last year UK-based HSBC agreed to pay a record   $1.92bn fine to resolve money-laundering charges by US regulators.

US government authorities did not criminally indict HSBC for fear the bank's possible failure would threaten the financial system and the livelihoods of millions. Barclays' move against Hawalas could have a similar effect in Somalia, and illustrates how banks in both Britain and the United States have become the de facto regulators of remittance companies.

Work within the framework, don't destroy it

Several important steps can be taken to fix the situation. Regulators should educate banks about the actual regulatory risks of Hawalas, which are often not as high as banks make them out to be. For example, following recent threats from US-based banks to shut down Hawala accounts, the US Treasury Department sent reassurances that as long banks maintained appropriate anti-money laundering programmes they would not face government sanctions. British regulators and government officials need to step in with the same reassurance to Barclays and other banks.

The regulatory burden for monitoring Hawalas should be placed on the government and not banks, with clear guidelines that limit bank obligations and government officials in charge of due diligence and risk evaluation of remittance agencies. Banks, regulators and Hawala operators also need to work together to develop due diligence and monitoring strategies that work within the Hawala framework, which has its own system of checks.

I spoke with my uncle last month - he had just come back from Kenya after successfully selling his cattle at the Nairobi livestock market. Following the end of the drought my family had put together some funds to rebuild his business and it was now flourishing. This would not have been possible without the Hawala system. Attempting to shut down Hawalas will have disastrous social and economic costs and will wreak havoc on Somalia's fragile economy as it seeks to rebuild.

Author Note: Mohamed Ali, J.D., is the founder of the Iftiin Foundation which aims to encourage youth entrepreneurship in Somalia, and in 2013 was named as one of the Aspen Institute's New Voices Fellows.  
 
Follow him on Twitter at  @mohamedaali

The views expressed in this article are the author's own and do not necessarily reflect Al Jazeera's editorial policy.


Mohamed Ali, J.D., is the founder of the Iftiin Foundation which aims to encourage youth entrepreneurship in Somalia, and in 2013 was named as one of the Aspen Institute’s New Voices Fellows.
 
Source:
Al Jazeera

Madaxweynaha Oo Kormeer Ku soo maray Madaarka Hargeysa oo dib u habayn lagu sameeyay

Madaxwaynaha JSL Mudane Axmed Maxamed Maxamuud (Silaanyo) Oo Gacan Qaadaya Suldaan Maxamed Suldaan Cabdiqaadir.

HARGEYSA- Madaxweynaha Jamhuuriyada Somaliland Mudane, Axmed Maxamed Maxamuud (Silaanyo) waxa uu maanta Duhurnimadii kormeer shaqo ku soo maray Garoonka Diyaaradaha ee Egal international Airport Hargeisa oo hada dhismihii Runway-gu uu gebegabo yahay dhawaana la furi-doono insha allaah.
Kermeerkan madaxweynaha oo ahaa mid kedis ah saxaafaduna aanay ogayn ayaa waxa uu madaxweynuhu ku soo kormeeray dhamaan qaybaha kala duwan ee Airport ka isoo kalena waxa uu madaxweynuhu soo maray wadooyinka Caasimada, xaafadaha kala duwan ee magaalada Hargeisa, isaga oo u kuur gelaya baahiyaha iyo horumarka ka socda caasimada taasi oo madaxweyne Axmed Silaanyo ay bulshadu ku amaanto marwalba.

Madaxweynaha Siilaanyo ayaa noqonaya madaxwaynihii ugu horeeyey oo xili habeenimo ah iyo maalinba ku soo mara kormeero kadis ah isaga oo aanay wehilinin Ciidamo xoogan oo ilaalinaya iyo saxaafad dabo yaacaysa toona, arimahan ayaa daboolka ka faydaya sida ay uga go'an tahay madaxayne Siilaanyo in uu xog ogaal u noqdo sida ay u socdaan hawlgada iyo adeegyada xukuumadiisu  qaranka ugu xilsaaran tahay halkii isaga looga warami lahaana indhihiisa ku soo arka sida laamaha dawladiisu xilkii umadu u dhiibatay u gudanayaan.

Madaxweynaha waxa kormeerkan ku wehelinaayey Marwada koowaad Dalka Marwo Aamina Xaaji Maxamed Jirde, Wasiirka Waxbarashada Samsam Cabdi Aadan iyo Suldaan Maxamed Suldaan Cabdiqaadir.