টং আলাপ Episode 001: What’s the future of democracy in Bangladesh 2.0?

How did the Sheikh Hasina-led Awami League regime evolve into a seemingly invincible, authoritarian government over its 15 and a half years of rule? How has the recent mass uprising, resistance, and revolution led to the fall of the autocratic regime? What could Bangladesh’s democratic future look like in light of the evolving political landscape? 

Episode 001: What’s the future of democracy in Bangladesh 2.0?

টং আলাপ (Tong Conversations) is inspired by “Tong”, traditional roadside tea stalls that offer a relaxed atmosphere for people to express their views and listen to diverse perspectives—a vantage point that is neither an ivory tower view nor grounded in everyday struggles. This conversation series aims to create a similarly relaxed space that will bring together thought leaders to engage in informal dialogues and explore diverse points of view on issues that matter, a space to think, connect, and enjoy the conversation.

In the first episode of Tong Conversations, Dr Asif Shahan, Associate Professor at the Department of Development Studies, University of Dhaka, and Visiting Research Fellow at the BRAC Institute of Governance and Development (BIGD), sat down with Dr Naomi Hossain, Professor of Development Studies at SOAS University of London, Dr Tariq Omar Ali, Associate Professor of South Asian History at Georgetown University, and Dr Mirza M. Hassan, Senior Research Fellow and Head of the Governance and Politics Cluster at BIGD, to discuss, over tea, about the future of democracy in a post-revolution Bangladesh. 

The conversation began by exploring how the ruling party gained its authoritarian resilience over the years, ultimately reaching the seemingly untouchable position it held until the July Revolution this year. The discussants identified key factors that contributed to the party’s rise in confidence and ruthlessness. These included Sheikh Hasina’s personalistic leadership—overreliance on her personal authority instead of institutional—her ability to balance foreign relationships, a system of electoral authoritarianism, a general sense of citizens’ well-being due to improved living standards (which eventually began to erode with rising inflation and economic downturns), and consequently, a reluctant acceptance of the regime by citizens and their unwillingness to challenge the powerful, resilient regime.

The discussants then tried to dissect the chain of events leading up to the July uprising—Hasina’s response to the poly-crises she was facing and her eventual fall, fueled by the public’s near-unanimous solidarity with the student movement in an unprecedented show of strength and spirit.

“Usually, you need to have some kind of trigger for the acquiescence to end. Often, it’s an outrageous act of corruption—of which there were many—but this was not what happened here,” said Dr Hossain, “What happened here was the absolute shock of seeing the army and the police shooting young people dead in the street. The absolute horror of seeing Abu Sayeed shot dead, that was the trigger.”

Dr Ali questioned why previous acts of brutality committed by the Awami regime, such as the Shapla Chattar massacre, did not necessarily trigger the same reaction from the general public. The discussants theorized whether the ideals of ‘মুক্তিযুদ্ধের চেতনা’ (spirit of liberation war), heavily propagated by the Awami League, played any role in legitimizing the regime’s violent quashing of any form of opposition in the past, and how this ideal crumbled during the 2024 student movement. 

“The slogan ‘তুমি কে? আমি কে? রাজাকার, রাজাকার!’ (“Who are you? Who am I? Razakar, Razakar!) dealt a huge blow to the ‘us vs them’ narrative driven by the Awami regime,” said Dr Shahan, “We all had a fear whether we would be able to stand against the regime. But Abu Sayeed’s death, the way he died, and the image of his dying—arms wide open as if to say, ‘You can shoot me, and I will stand still’—influenced a lot of people to think, ‘We can die for this cause.’”

And it was this loss of fear that transformed the student movement into a mass uprising. During this spontaneous revolution, people joined under no banner but only in support of and in solidarity with students. 

“The urban informal sector—the rickshaw-wallas, the drivers, the hawkers, the street dwellers—they stood beside the students, even facing death. I don’t think any other community offered the same degree of support that the urban poor did,” said Dr. Ali. 

The movement was not just Dhaka-centric; students from public universities, colleges, and high schools in small towns across Bangladesh also participated in full force. It was the collective defiance of the people that helped ignite the movement.

In discussing what the future looks like and whether we are moving in the right direction, the discussants considered the impact that citizen power and social organizations could have in improving government accountability. To avoid the same challenges of creeping tyranny and fascism in post-revolution Bangladesh, Dr Hasan proposed that we rethink our notion of democracy and broaden our ideas beyond the typically narrow concept of electoral democracy.

“Other than representative democracy, we need to have direct democracy. We need to have periodic referendums…” said Dr Hasan, “and between the people and the representative, there should be other platforms or mechanisms of democratic and collective representation. I suggest that we have dual powers, by which I mean that there will be a societal power, with constitutional endorsement, which will create additional checks and balances from the society’s side.”

As the cups emptied, final reflections were drawn on the generational transformation currently underway in post-revolution Bangladesh. The future might see new players in the political field, with students forming their own political parties—a demand that has gained strength because of a strong faith in the student body. People trust the youth to build a better future for this nation. The last sip of tea was taken with a hopeful yet cautious outlook for what lies ahead.

Episode 001: What's the future of democracy in Bangladesh 2.0?

Making Change: women’s employment in Bangladesh’s mobile money sector

Mobile money has spurred improvements in household welfare, but its use among women lags behind that of men. This gap is especially pronounced in Bangladesh, where in 2021 only 20 percent of women, compared to 38 percent of men, had a mobile money account [1] , and where less than one percent of mobile money agents were women [2].

Bangladesh also has low levels of female labor force participation and high levels of gender discrimination – labor force participation among women in Bangladesh is only 37 percent [3]. Moreover, employers, who are typically male, express strong reservations about hiring women, with 45 percent of business managers expressing concern that female employees would disrupt the work environment [4]. The majority of firms that are willing to hire women operate in the ready-made garments sector, which requires migration to Dhaka or Chittagong, where factories are concentrated. Heath and Mobarak (2015) found that 78 percent of women who worked for pay around Dhaka were employed in the garment sector and that 60-70 percent of working women were migrants [5]. In contrast, there are few local employment opportunities for women with flexible schedules that allow women with children or other responsibilities to work in their communities. Employment as mobile money agents in local shops with flexible hours, rather than as shift workers in a rigid factory, could provide women balance. Simultaneously, the prevalence of female agents could make mobile money more accessible to female customers, who are often reluctant to transact with male agents.

To learn about the effects of employing women as mobile money agents, we launched an experiment with bKash, the largest mobile money operator in Bangladesh. We recruited owners of mobile money businesses who were interested in expanding operations by adding an employee to help serve mobile money customers. We asked these business owners to identify two women and two men whom they knew and would be willing to hire as employees in their shops. We randomly selected a fraction of these business owners to receive a subsidy to hire a particular employee from the list they provided. Some business owners received a subsidy to hire one of the men they nominated, others to hire one of the women they nominated and some who neither received a subsidy nor were told to hire an employee.

This design allows us to make two types of comparisons: between shops that were randomly assigned to hire men, compared to those that were randomly assigned to hire women (or to not hire at all); and between men and women who were randomly selected to receive jobs, and those who were not. We can estimate the effects of having women as employees, compared to having men as employees, on outcomes including use of mobile money by women customers, business profits, and shop owners’ attitudes about the skills and productivity of women as employees. We can also estimate the effects of having a job on workers’ income, skill accumulation, and household empowerment, and speak to the differential effects of employment for men and women.

This project is still in its early days! The launch itself was a challenge – fieldwork initially began in 2019, was delayed due to COVID-19, and further delayed due to management changes with our in-country research partner. Data collection was finally launched in 2023. These delays meant that some of the business owners who originally agreed to participate were no longer interested four years later, and some of the candidate employees identified in 2019 were no longer available. However, in October 2023, we launched the first wave of the study, with 102 shops and 408 candidate employees. More than 80 percent of employees were randomly selected for jobs accepted, with take-up by women matching that of men. Since then, we have monitored the shops monthly and found the vast majority of employees – both women and men – working as scheduled! We will soon launch the second wave of the study, including another 200 shops. While it is too soon to be able to report effects on business outcomes, attitudes toward women’s labor force participation, access to mobile money, or household empowerment, we are encouraged by the adherence of both agents and employees to the design. We are equally excited by the idea that dozens of women are now working in the mobile money sector in Bangladesh – a small but potentially important step for the sector!

[1]  Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar. 2022. The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. Washington, DC: World Bank.
[2] Barooah, Prabir, et al. “Closing the Gender Gap: Opportunities for the Women’s Mobile Financial Services Market in Bangladesh.” (2018).
[3]  The World Bank, World Development Indicators (2024). Labor force participation rate, female (% of female population ages 15+) (modeled ILO estimate).  Retrieved from https://data.worldbank.org/indicator/SL.TLF.CACT.FE.ZS?locations=BD
[4]  Kotikula, Aphichoke, Afra Chowdhury, and Asif Islam. Women disrupting the workplace: Employer bias against hiring women in South Asia. mimeo, 2020.
[5] Heath, Rachel, and A. Mushfiq Mobarak. “Manufacturing growth and the lives of Bangladeshi women.” Journal of development Economics 115 (2015): 1-15.

Thanking our Peer Reviewers for their Contributions to the WEE-Connect and WEE-DiFine Review Process

This year BRAC Institute of Governance and Development launched back-to-back requests for proposals for the WEE-Connect and WEE-DiFine Initiatives, respectively. We received an impressive number of submissions to each! Peer reviews are the building blocks of the proposal review process and our reviewers have been nothing short of outstanding in lending their important insights and time to the success of our review process. As a gesture of heartfelt gratitude, here’s a list of the amazing peer reviewers who supported our 2024 review process!

Lucy Kaaria, HOPAWI Management Consulting Limited

Garima Siwach, American Institutes for Research

Lisa Ho, MIT

Lore Vandewalle, Geneva Graduate Institute

Jean Nahrae Lee, World Bank

Michael Carter, University of California, Davis

Nina Roussille,MIT

Syed Mortuza Asif Ehsan, North South University

Raisa Sara, Sam Houston State University

Carlotta Nani, Graduate Geneva Institute

Diego Ubfal, World Bank

Shreyasee Das, Temple University

Suzana Brown, SUNY Korea

Jenna Grzeslo, BRAC International

Simon Quinn, Imperial College London

The Linh Bao Nguyen (Jacqueline), University of Maryland

Berber Kramer, IFPRI

Agha Ali Akram, Mathematica Policy Research

Aubryn Sidle, Cornell, Director of Undergraduate Studies

Caroline Wainaina, APHRC and Utrecht University

Victor Kolo, IWFI

Mahima Vasishth, Laboratory for Effective Anti-Poverty Policies, Bocconi University

Hashibul Hassan, Jagannath University

Nishith Prakash, Northeastern University

Pushkar Maitra, Monash University

Andrea Guariso, University of Milan-Bicocca

Francesco Cecchi, Wageningen University

Jonas Hjort, University College London and University of Oslo

Gaurav Chiplunkar, University of Virginia

Madeline Duhon, University of California, Berkeley

Laura Boudreau, Columbia Business

Juli Huang, University of Edinburgh

Camellia Suborna, ICDDR,B

Mahreen Mahmud, University of Exeter Business School

Joost de Laat, Utrecht University

Ananta Neelim, University of Tasmania

Shreya Bhattacharya, William and Mary

Lindsey K. Novak, Reeds College

Revathy Suryanarayana, Cornell University

Menno Pradhan, Vrije Universiteit Amsterdam

Kibrom A. Abay, IFPRI

Shilpa Aggarwal, World Bank

Simone Schaner, University of Southern California

Maulik Jagnani, Tufts University

Emily Breza, Harvard University

Wendy Janssens, Vrije Universiteit Amsterdam

Ferdous Jahan, World Bank

Sakib Mahmood, BIGD

Apoorv Gupta, Dartmouth College

Cristina Clerici, University of Stockholm

Emma Riley, University of Michigan

Andrew Peter Brudevold-Newman, World Bank

Ashish Shenoy, UC Davis

Anahit Tevosyan, FINCA International

Mahreen Khan, University of Oxford

Nina Buchmann, Standford University

Muhammad Meki, University of Oxford

Catherine Porter, Lancaster University

Jonathan Fu, University of Zurich

Manuela Angelucci, University of Texas at Austin

Anusuya Sivaram, University of Maryland

Ariel Zucker, University of California, Santa Cruz

Henry Telli, IGC

Abu Siddique, Royal Holloway University of London

Yusuf Neggers, University of Michigan

Vaidehi Krishnan, Mercy Corps

PS Dalton , Tilburg University

Tanu Kumar, Claremont Graduate University

Jason Kerwin, University of Minnesota

Tara Bedi, Trinity College Dublin

Laura Zimmermann, University of Georgia

Sohela Nazneen, IDS

Nudrat Faria Shreya, PDRI-DevLab, University of Pennsylvania

Laura Derksen, University of Toronto

Tarana Chauhan, Cornell University

Salauddin Tauseef, IFPRI

Carinne Brody, Touro University

Moogdho Mahzab, Stanford University

Nicola Banks, University of Manchester

Developing Solutions through Digital Financial Services Research: Spotlight on Maliha Rahanaz

Maliha Rahanaz is a PhD candidate at the School of Economics, University of Kent, and a lecturer at the Department of Economics and Social Sciences at Brac University. She completed her MSc in Economics and Development Economics from the University of Nottingham and her Bachelor’s in Finance and Accounting from North South University. Maliha is a recipient of the Developing Solutions Scholarship from the University of Nottingham, awarded to students creating positive impacts in developing countries. Her research focuses on development economics, women’s economic empowerment, migration, and education. Currently, Maliha is involved in a project titled Empowering Poor Urban Women in Bangladesh through Digital Financial Services: Does Wage Payment via Mobile Money translate into Economic Empowerment?, which investigates the role of digital financial services in enhancing the economic empowerment of female domestic workers in Bangladesh.

The WEE-DiFine team sat down with Maliha and learned about her passion for research, interests outside of research, her ongoing project in Bangladesh, and much more.

What motivated you to specialize in development economics and women’s economic empowerment?

Before starting my PhD at Kent, I worked with various government bodies, international, and national partners in designing and implementing large-scale poverty reduction projects across Bangladesh, Cambodia, and India. My role was focused on management, so I had little scope to participate in the research design, methodology, and overall empirical work. But that was where my heart and soul was—in research!

The things I would see during fieldwork, the conversations I would have with children and women about the deprivations they face, helped me understand the economic and social constraints that add to the various dimensions of poverty. Engaging in conversations with women made me realise the different aspects they consider important and what they considered as empowerment. These dialogues immensely helped me understand my research participants and how we can align program goals and objectives to meet their needs.

I was motivated to pursue a PhD in Economics not only to conduct research, but also to learn from other researchers around me. I believe that during my PhD I would be able to further my knowledge regarding the challenges of overcoming poverty and working toward improving the welfare of those living in the developing world.

What are some key milestones or achievements in your career that you are particularly proud of?

I consider the start of my teaching career at Brac University to be one of my very special key achievements. Just before joining Brac University, I completed my master’s in economics and development economics. I learned so much in that one year that I wanted to bring that knowledge back to Bangladesh. My students at Brac University have made my teaching experience very rewarding and I would love to continue to teach there in the future!

What drives your passion for research in development economics and women’s economic empowerment?

Growing up, my parents made sure I was well-connected to my roots. Hence, I spent a considerable portion of my life traveling and residing between two villages—Shovandandi in Chittagong and Rajbari in Faridpur. During my visits, I would engage with the local culture, traditions, and communities. I would attend women’s self-help group meetings. There I observed how women spoke about their finances, what they planned to do with their savings, the types of pressure they faced in sharing their savings, and what strategies they employed to resist this pressure. I also learnt about the different forms of conflict and violence they faced and how they would escape from these on a daily basis. Many constraints that women face may not necessarily feature in traditional economic models, yet women bring them up continuously.

My passion for research in this area developed largely because of this knowledge from the field. I form hypotheses by paying close attention to the factors that people think most affect their own lives and by observing people’s everyday behaviors in their social and economic environments. My commitment to this field is rooted in a deep respect for the resilience and resourcefulness of the women I’ve encountered and a desire to amplify their voices in economic discourse.

What inspired you to undertake the project Empowering Poor Urban Women in Bangladesh through Digital Financial Services and how did you develop your research focus?

I was inspired by the work of HelloTask, particularly on the ground, to improve the economic conditions of female domestic workers. Gig platforms like HelloTask can enable women to overcome significant barriers to their livelihoods, thereby enhancing the demand for financial services. I wanted to learn more, but I also saw that there was a lack of rigorous data and evidence on this population.

I had countless discussions with HelloTask on their experience of what worked for them and what didn’t. I was on the field with their team to observe the day-to-day lives of female domestic workers and how they were engaging with the platform and how they were using their mobile money accounts. I would share anything I found interesting with my supervisors and seek their insights and own experiences to further help refine my research focus.

What did you learn from your collaboration with HelloTask and Data Analysis and Technical Assistance (DATA) regarding forming strong partnerships?

It’s important to come up with contingency plans and align these plans with the partners’ needs. I have learnt that, among other benefits, this helps in building rapport, trust, and commitment. During our project meetings, in addition to the project deliverables, we also discussed the possible challenges that could hinder these deliverables. This allowed us to think of strategies as a team, take feedback, and have solutions ready ahead of time. This strategy of thinking ahead, which is often overlooked, equipped us with the necessary tools we needed to pull off this project.

What research findings surprised you the most in your study on the relationship between digital financial services and women’s economic empowerment?

The preliminary findings of the research indicate that digital financial training is effective at improving knowledge and changing economic behaviour of female domestic workers, notably in the areas of savings and labour decisions, even with prior experience with mobile money accounts. These findings are interesting and suggest that to enhance financial inclusion for marginalized groups, digital financial training should target not only potential new users but also those who have already adopted the technology, such as women working on gig platforms. Nonetheless, I am just very excited to share more of our research findings with everyone!

What areas of research do you plan to focus on in the future, especially in relation to women’s economic empowerment?

I want to continue to deepen my understanding of women engaged in the gig platform and their use of DFS. There is still so much to unravel! Particularly, I want to understand how women perceive transaction costs between different DFS/MFS providers and what factors they consider when choosing different types of providers. Also, I want to work with DFS/MFS providers to help them innovate and design the features that work for women and vulnerable populations.

How do you think your work in Bangladesh can be applied or adapted to improve women’s economic empowerment in other developing countries?

What I find most rewarding about development work is the chance to explore diverse topics and adapt to new data and methods. This dynamic field introduces fresh challenges and opportunities over time. I believe that the survey instruments we’ve developed to measure women’s economic empowerment, particularly in the context of digital financial services, can provide a solid foundation for evidence-based policies in other developing countries. We can gradually adapt and scale solutions to address local needs effectively by testing and refining these tools and programs in different contexts while building on successful elements from Bangladesh.

What advice would you give to young researchers who are interested in development economics and women’s economic empowerment

Be great listeners and observers. By listening to women, I have learned about their struggle with lack of privacy, which prevents them from hiding their income and resisting the pressure to share it. At the same time, I have observed how incredibly difficult it is for them to achieve this in highly challenging living conditions, where five to six household members are cramped into a 10 square meter room. The key to both the scenarios is to be able to understand what is really being said and to be able to translate between the two. Real-world complexities often defy simple explanations, and it takes time to fully grasp the nuances of people’s lives.

What is your long-term vision for your research and its impact on society?

My long-term vision for my research is to drive systemic change that enhances economic opportunities and fosters greater equity, particularly for women and marginalized communities. I aim to develop evidence-based insights that inform policies and practices, bridging gaps between research and real-world applications. Women’s participation in the gig sector is rapidly rising and so is their engagement with various DFS/MFS products and services. Hence, to fully leverage their potential, it is crucial to align efforts between the private sector, digital financial services, and relevant government bodies. This collaboration is also essential to identify and address the barriers these women face in accessing their full income-earning potential.

Let’s seize the opportunity to further gender equity in Bangladesh

As Bangladesh makes strides towards gender equity, significant gaps remain in ensuring all women benefit from progress. With recent shifts in policies and global support, there is a unique window of opportunity to address these disparities. This blog underscores the importance of seizing this moment to push for transformative changes that will make gender equity a reality for all women in Bangladesh.

Life after the closure of jute mills: the creation of new poor

Life after the closure of Jute mills: The creation of new poor

About three months into the COVID-19 pandemic, Mamun (pseudonym), a jute mill worker in Khulna suddenly came to know that he lost his job. His initial reaction was denial; he thought it must be a rumor, but as time went by, the entire jute mill colony realized that this was only part of a mass lay-off that would impact the entire community. On 1 July 2020, the Bangladesh Jute Mill Corporation (BJMC) announced the closure of 25 state-owned jute mills and laid off around 70,000 workers in one go. Like Mamun, thousands of skilled workers would become jobless overnight and because of the pandemic, many became poor for the first time. Panic, chaos, and fear ensued within the jute mill colony. No one knew what do to. Initially, they thought of organizing a protest, which seemed difficult given the COVID-19 lockdown.

The BRAC Institute of Governance and Development (BIGD) and the Institute of Development Studies (IDS), conducted an explorative qualitative research project named “Durdiner Diaries  (Chronicles of Hard Times) in Bangladesh where we followed the lives of people like Mamun — whose livelihoods and incomes were deeply affected by the pandemic — to understand their governance needs over time and to identify how they are navigating life in an attempt to bounce back from poverty.

We interviewed the same 40 households in three different locations (urban, peri-urban, and rural areas) of Khulna over nine months. In the peri-urban location — an area whose economy was highly dependent on the jute mills —we came across Mamun. This is his story.

Struggle to find a new occupation, uncertainty, and coping strategies

It has been almost three years since Mamun lost his job. He has tried several lines of work in the last three years but has more or less settled as a day laborer. He views it as a degradation and says that not only did he lose his income but also his dignity as a skilled worker who was highly appreciated in his workplace. Losing his job came with further consequences: within six months of the termination, the dismissed workers were evicted from the jute mill colony. Being jobless and homeless, Mamun thought of going back to his village but couldn’t do so as he was still viewed as a ‘respected government employee’ there. He eventually rented a house in a locality and tried to cope with his new situation. Poverty hit him for the first time in many years, and Mamun felt “a year passed just by wiping away the tears.”

As a day laborer, Mamun has no fixed job contracts. His work can include anything and everything from unloading sand from trucks, carrying sacks, and painting walls. Some days he gets work, some days he doesn’t. This uncertainty with the source of income forces Mamun to reduce costs at home. Like many new poor in our study, he cuts down food consumption and health expenditures as a coping strategy. Their diet primarily consists of vegetables and lentils. Mamun and his family now rarely consume fish, meat, eggs, or fruits. He and his family do not go to the doctor unless and until it becomes completely necessary. They have been postponing his mother’s surgery for months, and when his wife had typhoid, they couldn’t take her to the hospital immediately. Only after a week, once Mamun could borrow some money, was his wife admitted to a hospital.

Losing identity, community, and networks

Despite these material struggles, Mamun also lost something as invaluable as his identity. All through his life, Mamun was a jute mill worker. This became a part of his identity. His parents were also jute mill workers; he was born and raised in the Jute Mill’s labor colony, made friends there, and started work there. He grew up in the ‘community’ of jute mill workers and shared a common bond and identity —along with traumas and tragedies—with the other workers. With the jute mill closure, Mamun lost his community, his identity, and his networks. Now, he lives in an area where he doesn’t know many people and they don’t know him either. He doesn’t have any strong network which can help him survive. At the same time, he is also not comfortable seeking help from his present neighborhood, because he does not feel like he belongs there. This loss of belonging, among many things hurts him.  

In all our visits, we would often find Mamun romanticizing about his past life. Even when we interviewed him on an issue unrelated to the jute mill, Mamun would start reminiscing about the good old days at the mill. We never heard him say anything negative about his experience at the mill. On the contrary, he had once said, We were like zamindars in the jute mill. I didn’t have to worry about house rent, water, and electricity bills.”

Life doesn’t stop at one place and neither will Mamun. He knows he cannot return to his previous life and so is trying to cope with his new reality. He bought a motorcycle with some savings and is thinking about building a livelihood with it. Despite challenges, he graduated from the Bangladesh Open University. Mamun’s struggles of losing a job, his day-to-day challenges, his endeavors to find a new occupation followed by an identity crisis, and his strategies to cope with the new norms, reflect the stories of the newly emerged poor and the lack of opportunities that prevent them from making a rebound.  This is Mamun’s story but there are thousands of others like him whose lives were transformed overnight due to the closure of the jute mills. Their pain and fight for survival have remained unexplored. This particular segment of newly poor people requires tailored solutions to pave their path to recovery.

Climate Change, Disasters, and Gender-Based Violence: An Overview of Bangladesh’s Policies Status

In recent years, the frequency and intensity of natural disasters have increased due to climate change. While climate change poses one of the biggest threats to humanity, its impacts are not felt equally across all populations. Climate change exacerbates structural inequalities, including existing gender discrimination and disparities between men and women, particularly in developing countries.

Women and girls are among the most vulnerable groups during and after natural disasters. According to UN Environment Worldwide, 80% of people displaced by climate change are women. As the frequency of these disasters increases, so do the physical and socioeconomic vulnerabilities of women and girls, including the risk of gender-based violence. The heightened risks of gender-based violence women and girls face during and after natural disasters take many forms, including domestic violence, physical violence, sexual exploitation and abuse, child marriage, and trafficking.

In Bangladesh, 71% of women experienced increased abuse during natural disasters such as floods, compared to what they faced beforehand, with 52.3% of them enduring physical violence according to a study conducted by ActionAid, in 2007. Furthermore, gender-based violence surged by 65% in the areas affected by Cyclone Amphan (UN Women, 2020).

Global research indicates that women are particularly vulnerable to sexual abuse and violence during rescue and rehabilitation activities. For instance, women in refugee camps fear sexual assault, and in extreme situations, sexual abuse and rape occur in shelters. In cyclone shelters, women often refrain from seeking assistance due to fear of assault. Overcrowded conditions with inadequate personal space and sanitation facilities exacerbate these issues, leaving women without menstrual hygiene facilities, worsening reproductive health, and at risk of sexual harassment, especially when using toilets at night.

In addition to immediate effects, natural disasters have long-term repercussions that influence gender-based violence. For example, the loss of income can lead to frustration among men, resulting in physical assaults on their wives.

Climate challenges faced by families in rural Bangladesh act as a push factor for child marriage (Human Rights Watch, 2014). Child marriage rates rise due to school closures and economic insecurity during and after natural disasters. Parents often marry off their daughters at an early age to protect them from harm amid the stress of natural disasters. Early marriage puts young girls at high risk of gender-based violence from their husbands and in-laws.

Natural disasters also heighten the risk of human trafficking. According to UNOCD in Bangladesh, incidents of human trafficking increased in districts affected by Cyclone Sidr in 2007. Similarly, human trafficking surged in Nepal after the 1990 earthquake.

Since 1973, 5th June has been celebrated as World Environment Day, led by the UN Environment Programme, to drive action on environmental issues. I believe we must take this day as an opportunity to raise awareness and promote action on the impact of climate change on women, highlighting the gender-based violence women and girls face during and after natural disasters.

In Bangladesh, there is no specific policy focused on protecting women from violence during or after disasters or in combating climate change. However, given the mounting evidence of the gendered impact of climate change, we must try to draw the government’s attention to this issue. Local-level policy implementation authorities need to be reminded of existing policies aimed at protecting women and girls from gender-based violence.

When Do Smallholder Farmers Prefer to Be Paid for Their Crop Losses?

Traditional crop insurance policies compensate farmers for losses at some point after the end of an insured agricultural season. Farmers may receive compensation well after their harvest or sales of produce and may not be aware of whether and when to expect payouts. This feature reduces the effectiveness of insurance in two ways. Firstly, farmers may not receive payouts when they most need them to recover from losses, smooth consumption, or plan future expenses. Secondly, the gap between paying premiums and receiving potential payouts might seem too long or uncertain to appeal to impatient farmers—thereby lowering demand for crop insurance. In our research under the WEE-DiFine Initiative, we ask whether smallholder farmers might prefer a crop insurance policy that can pay compensation in smaller installments earlier and on a more certain timeline. We test whether such a policy could be particularly appealing and beneficial to women, who may have different preferences for the use of insurance compensation and may have greater bargaining power over smaller installments of money.

Champion farmers distributing "TimelyPay insurance" in Nakuru county, Eastern Kenya

We work with ACRE Africa, a microinsurance service provider in Kenya, to modify their crop index insurance policy and introduce flexibility in compensation timelines. The standard policy collects premiums ahead of the start of the season and compensates farmers roughly 3-20 weeks after harvest. This policy assesses crop losses in four distinct chronological stages through the season – germination, vegetative, flowering, and maturity – each accounting for a share of the total payout. The exact share and timing of each stage varies from crop to crop, and the losses in each stage are cumulated at the end of the season to determine the final payout. Premiums and payouts are transacted through mobile money (M-Pesa) and USSD and SMS is used to keep farmers updated on their insurance.

Our innovation, which we refer to as “Timely Pay Insurance”, tweaks this policy to allow farmers to choose whether to receive the total compensation in bulk at the end of the season as usual, or receive compensation in parts at the end of assessed stages during the season or after the season on a predetermined schedule. In our pilot study, we collect data on farmers’ preferred payment schedule and their willingness to pay for these innovative features.

To market “Timely Pay Insurance”, we engaged ACRE Africa’s network of champion farmers, who service fellow farmers in their neighbouring villages. We developed a method through which champions could effectively communicate the unique features of “Timely Pay Insurance” and collect data on preferences from smallholders with varying levels of education, experience with insurance, and fluency in common language (Swahili). We came up with a simple tactile method using a table (printed onto a laminated sheet) and game pieces (sometimes substituted on the field with materials available on hand, such as pea pods or coins) to explain the concept of payout installments and to allow farmers to allocate them across different stages. We provided farmers the choice of receiving the payout in up to 4 installments over 6 months covering the Short Rains season in Kenya from October 2023 to March 2024. The table therefore displayed 6 boxes representing each month and farmers were handed 4 game pieces representing the payout installments.

Once farmers were provided an explanation about insurance, farmers were instructed to place the game pieces on the table to indicate when and what share of the payout they wanted to be paid in each of the 6 months. They were reminded of the constraint that they could only receive the share for which losses would already have been assessed, i.e a maximum of 1 (of 4 stages) in the first month, 2 by the second, and 3 by the third onward. The data was entered by champions into a simple Computer-Assisted Personal Interview (CAPI) software which contained checks and balances that ensured that the constraints were met.

This method was met with great success in the field and we observed a wide variation in farmers choices that we are excited to analyse and share. Leah, a champion farmer in Nakuru county shares that “the exercise made it easy for farmers to visualize their choices and think carefully about when they needed the money.”

Our preliminary outcomes show there is significant demand among smallholder farmers, both men and women, for early and precisely timed payouts from crop insurance. We find that the women are more likely to prefer receiving staggered payouts with installments in later months. As we finish analyzing the full results, we are excited to quantify farmers’ preferences and willingness to pay for flexible compensation schedules. Stay tuned for our complete findings and their implications for making crop insurance work better for vulnerable farming communities.

Farmer placing pieces to indicate their preferred payment schedule in Nakuru county, Eastern Kenya

Note: Consent received for use of pictures. Pictures taken by Samyuktha Kannan, Wageningen University

Improving Financial Inclusion of Female Domestic Workers in Bangladesh Through MFS Training

Female domestic workers constitute a sizable fraction of women in paid work in Bangladesh. Of the estimated 10.5 million domestic workers in the country, 90% are women (Smertnik and Bailur, 2019). They are typically low-skilled migrants from rural areas driven to major cities due to financial pressures and expectations of wage employment and better earnings. Although they are connected to the cash economy through their wage earnings, very few female domestic workers have access to formal financial services or to a bank account. On the other hand, the majority have access to mobile phones and have used mobile money accounts at some point in their lives.

Despite their awareness of mobile money accounts, focus group discussions with the domestic workers in our study revealed an unmet demand for a better understanding of the offers and services available. A baseline survey of domestic workers showed that fewer than 5% have ever deposited money into their mobile money account. Half of the workers had previously sent money to someone else using mobile money, but they often relied on a family member or an agent to carry out these transactions on their behalf. This evidence provided the rationale for an intervention that offered training to female domestic workers on the use of mobile money services.

We organized a two-day training session on digital financial services. This training aimed to increase the women’s access to formal financial services via mobile money accounts, facilitating greater control over their income and ultimately enhancing their economic empowerment. Six modules were covered over the two days: Introduction to Mobile Financial Services (MFS), Using Mobile Financial Services, Financial Planning and Managing Money, Budgeting, Savings, and Talking About Finances With Family. These training materials were adapted from the HERFinance Digital Wages Curriculum. These sessions were organized in five training hubs, each one in an area of Dhaka city from which the study participants were recruited. A week before the start of each training session, we called each domestic worker targeted for that session to invite her to attend the training. A dedicated team continued to make reminder calls up to 24 hours before the training, and sent a gentle reminder on the day of the training. To cover the cost of their transport and foregone earnings for the time spent in training, study participants who completed the training received 12 US dollars (the average wage for 8 hours of domestic work in our baseline data was approximately 4 dollars).

Many of the women who had confirmed their attendance at the training did not show up. Of the 337 domestic workers who were offered training, only 156 (46%) attended the training, conducted between September and December 2022. A follow-up call with the absent domestic workers revealed that attending the training session posed a number of challenges. Although the intervention covered the cost of their transport and foregone earnings for the time spent in training, the distance to the hub and the difficulty of arranging transport meant that the opportunity cost of the time spent traveling to the training hub – which was not compensated – was substantial. Also, the time away from home during the training, when they would not be able to carry out their normal household duties, was difficult to justify to family members. More generally, competing demands on their time on the day of the training meant that many women were not able to go through with their original intention to attend the training.

Based on this feedback from the domestic workers, we developed a strategy to improve the inclusivity of the training programme: door-to-door training sessions and refreshers administered via automated calls. The door-to-door training was offered in the homes of the domestic workers. To increase the reach of the “at-home” training sessions, invitations to participate also went out to one or two other study participants who lived nearby and who were assigned to the same experimental arm. These sessions were conducted by the employer’s field agents who had previously attended the hub training and had prior experience working with domestic workers. By January 2023, we had provided training to another 116 domestic workers via door-to-door training, reaching 272 of the 337 (81%) domestic workers in the study sample.

In feedback provided following the session, the difficulty of traveling far from home – for a variety of reasons, including the presence of young children at home – frequently came up as a key reason why the domestic workers found the opportunity of at-home MFS training attractive.

To give the remaining 61 domestic workers a further opportunity for training (and to provide refreshers to all the targeted domestic workers), we designed “MFS Training Reminders” administered through Interactive Voice Response (IVR) calls. We prepared condensed versions of the six training modules. To test participants’ knowledge and understanding of the modules, we also prepared a quiz with two multiple-choice questions for each module. Participants who successfully completed the IVR training, which required correctly answering the quiz, received BDT 100 (about one US dollar) in their mobile money accounts.

The calls were administered to all of the 337 participants between May 2023 to September 2023. By September, about 27% of the study participants had completed the IVR training and another 32% had partially completed it. The remaining 41% had yet to start the IVR training.

Statistical analysis based on administrative and baseline data revealed that the door-to-door training was comparatively more successful than the hub training in reaching study participants who had not yet obtained work through HelloTask (all participants were registered on the platform). The door-to-door training was also more effective in reaching unmarried women, who may be more constrained in their movements outside of the home due to traditional norms regarding women’s mobility.

An end-line survey of the domestic workers was conducted in November 2023. Analysis of the end-line data, which is currently ongoing, will reveal whether the MFS training was effective in improving knowledge and usage of mobile money accounts and, more generally, the economic agency of the targeted population.

However, the experience with the intervention has already produced some important insights for the design of future interventions aimed at improving the financial inclusion of economically marginalized populations. First, the same factors that limit the economic agency of female domestic workers in Bangladesh – competing demands on their time and attention, limited mobility, and lack of decision-making power within their household – also prevented many from taking advantage of the MFS training.

Second, there is scope for adaptation and innovations that substantially improve the inclusivity of MFS training programmes. In the case of our study population, nudges in the form of reminder calls did not lead to significant changes in behavior; but adapting the intervention based on the participants’ feedback to improve access – such as the introduction of door-to-door training – had an important effect on participation. Moreover, door-to-door training may be more effective at reaching individuals who are new to, or less familiar with, the organization offering the training.

How home-based childcare facilities support women’s workforce engagement in low-income areas of Dhaka city

“It would not be possible for me to join the workforce if I did not have anyone to care for my child. I can continue my work by keeping my child in a daycare facility. Otherwise, I would have to stay at home with no source of income,” said Nasima (pseudonym), a working mother from the Korail slum (one of the low-income areas in Dhaka city, where most of the residents live in small shacks with bamboo frames and crenelated tin roofs), about a home-based child care facility she uses for her children. There are many other women like Nasima in the slum whose participation in paid work is possible because of the existing home-based childcare support in the community. We interviewed some of them as part of the scoping research on the childcare business model for low-income families that BRAC is developing.

In Korail slum, women generally engage in paid work due to the stress of ensuring basic living conditions, as expenses are high and only one person’s income is not sufficient to meet household needs. The situation is even more difficult in a woman-headed household where the mother is the family’s sole earning member. Therefore, being able to do paid work is very important for most women from the research area to meet household needssuch as food and health careand provide for their children’s education. 

Working women with young children often have to depend on the support of other women and girls in the extended family, as childcare is generally considered to be a female responsibility. We found a mother from the research area, who is engaged with paid work, transferring her childcare responsibilities onto her ten-year-old daughter. She had to sacrifice her daughter’s education so that there was someone to look after the younger children while she worked to provide for her family. When there are no family members or relatives to take care of the child with the mother joining the workforce, they can (if they are fortunate) avail of home-based daycare facilities existing in that area. We found home-based daycare facilities run by the mothers and caregivers—who are referred to as khalas—of the areas. These community-based innovations usually emerge when a mother with a small child requests childcare support from other women in the neighborhood, generally in exchange for a small amount of money or in-kind benefits. Subsequently, earning opportunities are created for the women who work as caregivers. Sometimes the interdependence between the mothers and the caregivers forms a unique bond between the two women with trust working as a key factor. “I have known the caregiver for years. We live in the same house. She is like my mother. She takes good care of my daughter and treats her like her own granddaughter,” said Salma (pseudonym), a working mother of the area employed in a readymade garments factory. 

One of the most important requirements of the mothers from the research area is the safety of their children from physical harm and an assurance from the caregiver that the child will not go missing. Mothers also expect home-based daycare facilities to provide care and support for the children in their absence. 

Our observations during the field research showed that while these home-based childcare facilities responded to an immediate need, they did not adequately meet the children’s care needs and the safety concerns of their mothers. These home-based daycare facilities typically use the living space shared by the caregiver and her family. There is no dedicated space for the children and their cognitive development is not prioritized in home-based childcare facilities. These facilities also do not have basic services such as proper lighting, ventilation, separate toilets, and/or wash facilities for the children. They have no system to protect the children under their care from the risks of physical harm, such as from the cooking stove, open drainage, or sewerage lines near the places where they play. 

As they have to be far from their kids for a significant time and due to the unavailability of formal daycare centers within the neighbourhood, the working mothers in the community have to depend on these home-based daycare facilities despite the lack of a child-friendly environment. Working mothers are also generally not willing to make use of the rare formal daycare centers outside the community as the distance, high costs, mistrust in an unknown caregiver, and the fixed duration of keeping the children in the center, work as barriers. 

Identifying and considering the need for quality childcare services is necessary to make such local home-based childcare facilities more sustainable. Implementing the learnings and insights from these locally innovated home-based childcare facilities, BRAC aims to run a project to support caregivers and working mothers living in such neighbourhoods. Training will be provided to the caregivers under this project so that they can ensure quality childcare services. Educational and learning materials, such as books and toys, that can contribute to children’s cognitive development will also be provided. It can be expected that with external support, the caregivers of these local home-based facilities will be able to establish quality childcare centers with more advanced, child-friendly amenities. The caregivers will also be able to run their home-based daycare center as a social enterprise. 

It is important to consider the larger picture and the need for quality daycare as a national issue both for the children and the working mothers. The development of existing initiatives across the country to provide adequate childcare arrangements and support can enable women’s engagement in paid work while balancing their need for childcare in their absence. The government has a policy on daycares which should be updated and revised to take into account the changing needs of both urban and rural areas. Safe, secure, and child-friendly daycares are a right for children as well as working mothers.