Inclusive Digital Economies for the SDGs

This recent report by the UN Capital Development Fund looked at underserved communities in 46 of the worlds least developed countries and the opportunities that fit for purpose digital financial services brings.

Don’t be mistaken to think this isnt relevant to developed countries. We have our fair share of marginalised individuals and groups. We can find great examples and insights to create inclusive digital economies that we can apply right here.

https://www.uncdf.org/ide4sdg



#financialinclusion Grameen Australia United Nations Capital Development Fund (UNCDF)

Sleepwalking

We live lives of fallacy.
Sleepwalking. Oblivious.
Indentured slaves.

Photo by Harrison Haines on Pexels.com
We live lives  
Of fallacy
Sleepwalking 
Oblivious
Indentured slaves
Endlessly
Monotonously 
Going around and around
The hamster wheel
Powering someone else’s 
Flame.
  
Parroting those 
Surrounding us
Their diatribe 
Lulled by ignorance
Sweet Lullabies 
Deadening blows 
Leaving no visible marks
As we gorge 
Leftover morsels 
Their seductive charms
Brainwashed and 
Blissfully unaware
As we are 
Inevitably trampled
Ground down 
To dust.
  
Marionettes 
Pulled to and fro 
By dispassionate puppeteers 
Elites 
With a system rigged
Unfair to most
Stark disparity
Their right of birth
To maintain the status quo
Intent to fulfil 
Every privileged desire.
  
Time removes
Unstitches 
The invisible strings 
That bind consciousness 
Unbidden thoughts 
Seep though
I sense 
My surrounds 
With newly opened eyes
I start 
To spot 
Needless disparity 
Injustices all around
My mind 
It does 
Cause me to pause
To assimilate 
These hidden tapestries 
No longer 
Beyond my
Grasp.
  
I see 
The world as if anew
Layer upon layer of 
Nameless institutions
Politicians Protecting 
Power and inequity
Revulsion 
Fills my core
How have we 
Allowed this 
To become our society?
How could 
Our apathy 
Be so great?
So many remain 
Cocooned in false narratives
Playing another’s 
Game.
  
It’s time 
To take a stand 
Break the chains
The bonds that bind
To protect 
What remains of 
Our land
To stand up for those 
More invisible 
Than you or I
To break the shackles 
On our minds
Regardless of consequences 
To take a leap of faith
And act 
As if our 
Very lives
Depend on it
For they surely do.
  
Come.
Do your worst.
  
   

Morning’s awakening

Sitting quietly
Taking in morning’s awakening
Listening to the world
As it slowly comes to life.

Homelessness Week 2-7th August 2020
Sitting quietly
Taking in morning’s awakening
Listening to the world
As it slowly comes to life.

Taking in the aroma
Of fresh coffee brewing
And intoxicating aromas of bread baking
Just right.

I sit
Carefully reading
Today's crumpled paper.
News that matters little
In my humble
And simple life.

Footsteps echo
With furtive glances
Of daily commuters
Scurrying by.
Looking down
With pity
In their eyes.

Senses on autopilot
Simply unaware
Of the rapturous moment.
This precious time.

Sitting quietly
Taking in morning’s awakening
Listening to the world
As it slowly comes to life.

https://www.homelessnessaustralia.org.au

Time for job guarantee for our youth

31.5% (659,000) unemployed or underemployed young Australian’s nationally, writes Helen Connolly is SA Commissioner for Children and Young People in InDaily.

https://indaily.co/314034

Clearly, something different needs to be done unless we want long term underutilisation to become the norm for our youth.

One step is to help them learn the skills of the future through educational options and a second is to guarantee them jobs and not rely on industry alone.

Brotherhood of St Laurence 2017 Report – Generation Stalled – Young, Underemployed and Living Precariously in Australia shows the worrying dual threat of unemployment and underemployment. Covid-19 would only have made this much, much worse.

The ABS 2017 source data for the report can be found here:

Can we make the invisible visible?

Can we make the invisible visible?

Our downtrodden

Trembling masses

Casting their waning shadows

On forgotten plains

Our near silent

Our near vanquished majority

Our shameful oversight

Hidden with our tacit knowledge

In plain view

Living on the borderline

Our most shirked

Our most forgotten

Fellow man

Disenfranchised

Misbegotten

Woeful creatures

Rooted unbeknownst

To a fractured and dimming spotlight.

Can we not just shine

Just for an instant

A piercing

Penetrating beam

Into the recesses

The crooks and crannies

And truly see

Not glazing over

The uncomfortable truths

Of our oh so comfortable lives?

If we had the slightest inclination

Could we not draw our collective breath

Inhale a little more deeply

And exhale a defiant challenge to our status quo

One that now so obviously benefits our elites

Our carefully manicured role models

Born to fortunate privilege

Primping and preening

Believing it was their talent

And not their postcode

Those who walk in wilful ignorance

Seemingly across water

But if you took the time

And peered closely

You would see

That this is on the arched backs

Of our drowning brothers and sisters

Asphyxiating in a system corrupted

No longer a meritocracy

No longer part of our vocabulary

Perhaps it never was…

Corporate greed is now our mantra

Our secret state

Profits at exponential rates

Inflation pressures we’re told

Must keep wages down

Out of reach of common man

While they wallow in their big fat juicy bonuses

At the top end of town

Peddling a perverse, inverse stew

Of capitalist socialism

Peddling us false prophets and propaganda

The pinnacle of populist views

Shamelessly, triumphantly echoes

“What’s in it for me?”

Where sowing fear and distrust of strangers

Left from right

Black from white

Race and religion

Is the new regime

What’s in vogue

Our new status quo.

As if there is no other honourable way

That being poor means you need to be punished

That instead of sharing the spoils

For your own good

When you are down

We will not pick you up

We will not help you

We will beat you into a final submission

For you are not worthy

You in your miserable state

We will smite you

We will shame you

We will subjugate you

We will fuck you when you are down

Simply we don’t give a shit

Who sees

Who knows

We are untouchable

For we wear the crown.

We could draw a line

If willing

We could wake

If willing

Challenge our indoctrination

Turn off mass media

Owned by billionaires

That numbs our senses

Hysterical infotainment parading

Thinly as news

Desensitising our minds

Falling into a stupor

Leaning further and further

To an alternative point of view

Playing into capricious goals

Of a skewed, racist agenda

A horrendous dystopian view of reality

An Orwellian state in the making.

All in the name of progress and equity

Because that is the American way

Our brothers in arms

Our star spangled role model

Australia

The poor wannabe

The fifty first state

A lapdog

Leaving behind all sense of decency

All sense of morality

For what

To bask in the shadow of another’s making

To catch the snacks that fall on the floor

For what?

To be their slaves?

No more.

Let me tell you of the everyday Australian

In our vernacular –

The fictitious honest battler

Let us keep their stories alive

Let us hold them ever so briefly in your minds eye

Shine brightly

Our beacon

To illuminate

Get close

Smell their desperation and despair

And use our teeth

To snap

To bite

Rip

Tear

Fray

And eventually

Snap

The knots that bind our fallacies

Our inbred prejudices

Our intemperance

Of those not worthy of our might.

Let us hold ourselves accountable for our intolerance

Our scorn

Our ridicule

Our unwillingness to accentuate

Their unfair

Pitiful plight

Let me tell you of their story

But let me ensure it is not simply a flight of fancy

Easily dismissed

Fingers snapped

In an instant due to naive simplicity

The optimism of our youth

But something oh so grounded

In a brutal

Uncompromising

Visceral reality

An awful chilling

Heartbreaking tragedy

An unending brutality

That surrounds

So pitifully

So many

In their unfair

Unjust

Everyday lives.

Can you imagine that in our lucky country

Full of overflowing riches

One in eight

Of our brothers and sisters

Live in intolerable subsistence

Below that shrieking, shameful poverty line

That in this land down under

We have a tale

Of haves and have-nots

Thirteen unlucky percent

Do not unfortunately share

Its embarrassingly rich bountiful fare

And to add to that injustice

One in six children

Share that miserable fate

A dire and destitute state.

And if your skin is black

And if your only sin is to be born Into a sunburnt land

Born as one from our First Nation

Then that shocking number escalates

Shatters records and shoots to

Thirty percent

It’s incomprehensible

Beyond comprehension.

And then to pour further fuel to a beaker that is already full

Let me take away our most precious commodity

What should be all of ours inalienable right

By taking away a precious gift

A span of ten years from an inglorious, unfair existence

Our people

From the First Nation

Born to fail

Bereft of the gift of life

Quickly and quietly dispensed.

And where do we house our invisible?

How do we sweep them out of plain sight?

Giving them no realistic option

But to live on the fringes

In distant urban dwellings

In sleepy country towns

Far from opportunity

To live below the poverty line

Many eeking out a meagre existence

Challenging them to find

Safe harbour

Where out of twenty-four thousand homes around Sydney

Only fifty are affordable

For a family on the borderline

Just fifty.

Putting all on Newstart

Regardless of age, health or family

Soul destroying politicians

Cynically peddling bullshit

A false

And evil ideology

That their amounts are fair

Indexed with inflation

Punishment with perpetual poverty

A shame they must continually bear.

And in the same breath

Voting though their shameful pay rises

Perks and bonuses

Tax cuts for those that don’t need it

Leading us all into oblivion

Corporate greed at its finest

Our final solution

Perpetuating a cycle

With major inequalities

Institutionalised

Built into the very fabric of Australian society.

Can we make the invisible visible?

Yes we can

But

Only if we are willing

To open our eyes

Only if we have the will

And the way

Only if we finally

Finally chose to look

And not look away

To say enough is enough

For a time will come

Where we must all pull together

To save our land

To save our planet

From our shameful history

Our indulgences

That has raped and pillaged

This land

Heartbreaking mismanagement.

Otherwise I propose

That we will all vanish

Screaming and scratching

In pain and agony

Sliding into the blackness of despair

Realising only on the way down

That we too will vanish

Vanish into the bleak and bleary night

Invisible.

©Vinod Ralh. 2019

Myriam – independence a foreign state

A life without her dignity,
Without expression of her own unique identity,
Independence a foreign state

For forty years she had endured

For this had been her constant state

Subjugation her present fate

A life without

A life without her dignity

Without expression of her own unique identity

Independence a foreign state

Voice stolen

Half living

Transparent

Flickering in the shadows

A life without a cause

With a history steeped in years of indoctrinating tradition

Conditioned to merely obey

The role of a woman

Of duty.

At home.

To stay.

There is no end to her husband’s torment

Her lord and master’s shrieking from his majestic throne

And it is from his threadbare and decrepit armchair

One imbued it seems with mystic properties

Symbolic

Emanating dread and fear

For there — the alpha dog sits

Basking

Preening

With all his arrogance on show.

And so her treatment continues

Oblivious of what’s right

An unequivocal dismissal

Made worse by an unfailing maniacal suspicion

An underlying contempt

Of someone that is not equal

A culture past, that expected submission

A constant demand to justify her inferior position

Ignoring the world outside

One that has moved on

Grasping to a past

A made up fantasy

Conjured

A fictitious memory

Unaware.

She shakes her head in sorrow and grief

And heavily she sobs

She shudders

Hands taunt in supplication

Reaching upwards

Following a path repeated a hundred times before

Pleading to the heavens for answers

“Why has this been my fate?”

And then a thought

Unbidden… enters…

And does not leave.

“No. No more.”

For now her daughter has fully grown

Safely, forging her own path

Free to explore

Able to make mistakes and missteps her own

Leaving our forlorn protagonist so full of pride

But also so so achingly alone.

Alone to face her nightmares

One that lasts from dawn to dusk

Every waking hour brings acknowledgement

Oppression

A way of life

Repeating endlessly

Unrelentingly

No escape.

“No. No more.”

Emboldened by her meek displays

Again he asserts

Again, a refusal of any permission

To simply allow her to wander outdoors alone

“A woman’s place is at home!”

But inside, coalesces a thought

Getting stronger and more certain.

“No. No more!”

A chasm to cross in darkness

One that she had to take alone

Summoning up reserves of strength

That she did not ever know

To renounce her life with her tormentor

To leave her family home

And all her worldly possessions

And their memories of a lifetime ago

To a cold and foreign Australian court

For a simple piece of paper

A stamped piece of officialdom

To file for her divorce.

“Yes. No more.”

So hurriedly with bags packed and nowhere else to go

To her daughter’s did she flee

Her life now perched in limbo

Dependent on a son-in-law indifferent to her cause

An impatience plain to see

Mark his face with troubled countenance

For her untimely imposition

That’s upset the tranquility of her new sanctuary

His home

“How long will your mother be here?” he whispers

“I understand, but I never did agree.”

“I know she is your mother…”

“This long? Really?”

“I have reasonable limits on my charity!”

But even away from home she felt constrained

For her journey was not yet complete

For in the eyes of her religion

She was not yet free

Her angry, ex-husband could justify

That he could lay claim on her

That it was his right

That sanctioned abuse could continue

For in his eyes he still owned her

To do so as he desired.

“But no. No more.”

The next step was the hardest

A painstaking and disagreeable process

That incredulously caused more terror

By putting her in a room again with her tyrant

Treated as a third party

An object for those far brighter

Who knew better

To seal her destiny

And though she nearly did break

Give up

Acquiesce

Subdued

Somehow, somehow

Her quiet voice

Remained firm

Did carry

And her case was finally made

Though it took twelve months for the Imans to grudgingly agree

What was painfully obvious for all to see

That there was no room for reconciliation

Love and duty no more than a fallacy

That the intervention order was real

That finally in God’s eye

She. was. free.

Surviving now on an old aged pension

Scrimping and scraping at the edges of modern society

She cannot afford modest housing

A future uncertain has she.

But it is a life that is now oh so different

At TAFE she helps in English language classes

To help others who face the same perilous journey

To help provide safe passage

To be their shining beacon

Against a darkening landscape

That threatens to stop the faint hearted

From withdrawing from their future

To succumbing

To their perilous fate.

This wonderful woman of the ages

Has found an inner peace

Though fate has made her journey long and arduous

That finally she feels so unfettered

That finally she feels so free.

Oh! Our heroine!

Our inspiration!

Oh gaze upon her now

Our beautiful, independent woman

For her voice has finally been found

As laughter lines now crease her aged face.

As she shares delightful, playful stories with her friends

To break bread

To live what is left of life to its fullest

To battle for her causes

To stand proud and with dignity

And now with her own identity restored

It is time perhaps

For her

To give a little nudge

To what will be her fate.

A hard yet fulfilled life on the land

A hard yet fulfilled life on the land. Lines etched on his face by hard won gains. Battling against all elements. Against nature’s bane.

A hard yet fulfilled life on the land

Lines etched on his face

By hard won gains

Battling against all elements

Against nature’s bane.

With a farm inherited from his father’s father

With a proud lineage and strong legacy

He is a pillar of the local, rural community

He doesn’t say much

But is always there to support those in need

Our honourable battler.

A harsh Australian outback

A parched corner of the land

In futile search of rain

In constant yearning,

In constant pain.

With cattle in desperate need of feed

Foraging in dusty paddocks

For meagre grasses

That are distant memories

Long gone

They are starving

Sagging skins draping skeletal frames

Disease takes hold

Too late — they can’t be sold!

No option left but culling stock

Too late to remake his lot.

With debt also the way of life

With incessant bills to pay

Mounting up, perilously high

An amount so obscene

Teetering

On the brink

Threatening to come crashing down

To destroy his life’s work

To take away his crown.

For all of his experience

For all his father taught him

From generations passed knowledge

The practices and ways

The tricks in his kit bag

The wisdom of the age

With slow governmental policies

That sow confusion

With handouts that shame

They are unable to help him face today’s demons

That climate change has unleashed

Nature’s revenge

Unchecked by man

Upon his unwary, tempered land.

And now his façade is slipping

His belief system is faltering

The pressure continues building

His failings are exposed

This strong and unfailing farmer

Has to grudgingly turn to face a truth

A truth that he has tried desperately to stow

That the master of his surroundings

One that he has shaped with his own two bare hands

That represents his essence, his being

That represents his soul

Well that world

That his world

Is slipping through his fingers

Is inexorably crumbling

Disintegrating

Turning to dust.

How does he reconcile this new truth with his wife?

That he has to break her faith?

That all that he could do — has been done

That there is no honest answer

That there is no other path to follow

That he has faltered

That he is lost this fight

That he has failed

That he is cast adrift

In that unforgiving, sun-burnt land.

The knot in his chest grows tighter

Sweat drips from his brow

Sleep continues to evade

And it is in those witching hours

In the pitch black of night

The darkness before dawn

When despair is at its zenith

With innermost fears brutally exposed

Ominous rumblings become louder

His thoughts turn to something wretched

Dreadful whispering surround him

Of a final escape from his onslaught.

He dismisses it in a second

But yet

There is a slight delay…

But yet

It sits there just below the surface

Lurking

Festering

Welcoming

Enticing him

Seducing him

Growing at the edges

Biding its time

Waiting

Offering its warm intoxicating embrace

A final resolution

The bringer of peace

The harbinger of rest

To be rid of his anguish

To take all his troubles away.

Our dear, stoic farmer

So unwittingly close to his own demise

Pondering his potential options

Options that he dare not speak out loud

Because of pride.

“Oh for the love of God!

Oh for the shame!

Another day

Another night

All consuming

More bills to pay!

No end in sight!

It’s never been this bad before

Nothing I do makes a difference!”

He sighs.

And it is in that watershed moment

At his life’s tipping point

Standing at the precipice

Preparing himself

When all is lost

To take a step beyond

To flee this world

To escape his chains.

And it is in that moment

In the stillness of the morning break

Upon lightening skies

In that oh so precious moment

As he watches the sun slowly rise

Dazzling beams reach across the horizon

Casting their golden rays on all to him that is precious

As he hears a trilling birds cry.

It is in that moment

That he remembers

In that grace

That he realises

Where all that is good in life

Envelops him

That he finally makes a decision

That he finally decides.

With great strength and ultimate resolve

With all his character

With love in his eyes

Of a shared history

Of tears, of laughter, of pain and surprise

A lifetime in its making

Against all his training

That a man must follow

His code

With a never seen before openness

His pride exposed to the elements

Laying down his shame

Finally….

He turns to his wife.

Background

Part of a series of poems on financial inclusion. This one focusing on the drought and the increased rates of suicide in farming communities. Photos edited from unsplash. In the animated video I experimented with motion capture.