Transparency International Pakistan’s mindlessness – targeting remittances
Pakistan is a country that refuses to fail despite of all the efforts of those who can’t see it perform, albeit with hiccups. In last few years, Transparency International Pakistan has become a nuisance in connivance with Jang Group which has been making all out efforts to fail sitting governments. The usual way of causing damage is to make a story, publish it in The News and Jang, fan it as much as possible and then let the Supreme Court take suo moto. While a case doesn’t reach its conclusion, what happens is that work on the targeted side stops!
Remittances by overseas Pakistanis have grown at a very fast pace. There are many reasons for that. Some of them are:
- Post 9-11, a lot of money came back home
- Between 1998 and 2002, the rate difference between the official rate of exchange and the one offered by money changers was huge due to which people would send money through hawala and hundi. After 2002, the rate difference became minimal.
- SBP offered banks not to charge any money on remittance being sent to Pakistan. If they didn’t charge a fees, then SBP would pay them a fee. Pakistan in essence is one of the only countries where sending remittance through official channels is free. Because of the incentive to make money from SBP as well as earn goodie points, banks try offering the best rate on remittance
- Hundi and Hawala transfers have come under a lot of scrutiny. Central Banks in a number of countries are discouraging the practice, even though it is still sizeable. Moreover, because of anti-money laundering and know your customer requirements, Hundi and Hawala is no more that easy.
The Pakistan Remittance Initiative (PRI) is not just economically viable for all parties, but also very quick. Sending a remittance to a bank account in Pakistan takes one day. For example, I send my remittance from my bank in a Gulf country. My bank deals with Habib Bank Limited which receives the remittance which is supposed to go to an account with Soneri Bank. HBL transfers my money through the PRI to an account with Soneri. This process takes less than 24 hours meaning next working day, money is in the account. Previously, it would take 3-5 days to receive the funds in an account.
So an economically viable and an efficient mechanism is being termed as a scam? Ask Transparency International Pakistan that how are you calling it a scam? All you’ve done is calculate the amount of money received, divide it by USD 100 and convert it with Saudi Riyal 25 per transaction? This is mindlessness on the part of Adil Gilani and Jang Group which is aimed at only stalling the successful PRI.
It serves the purpose of Adil Gilani and Jang Group which have been antagonists against the sitting government. In this fiscal year, Pakistan will receive USD 12.5 billion in remittances, good enough to keep the current account positive.
Adil Gilani and Jang Group, we can see your malice!
See report in The News that appeared on February 28, 2012.
Banks devour Rs400 bn sent by overseas Pakistanis
ISLAMABAD: In what could turn out to be one of the biggest scandals in the banking sector of Pakistan, the State Bank of Pakistan has been asked to probe the misuse of Pakistan Remittance Initiative (PRI). According to sources, on this count approximately Rs400 billion loss has been caused to the national exchequer with the banks dividing each remittance into packages to receive maximum incentives.
Transparency International Pakistan has spotted the scandal after many complaints and has urged the State Bank Governor Yasin Anwer to inquire into the issue because when the policy to give 6.67% of the remittance was announced as an incentive to the bank routing the remittance in 2001, Pakistan has received $69 billion. It is feared that $4.6 billion dollars have been earned in the name of Pakistan Remittance Initiative. In a letter written to the SBP, Transparency International has explained that an incentive of 6.67% (25 Saudi Riyals) over every remittance was announced in a policy devised in 2000 and minimum remittance amount was fixed at $100. The banks have been breaking one remittance into many packages to claim the maximum incentives and the amount has been estimated at Rs400 billion, the TIP said. However, independent observers say that the possibility of alleged corruption might lie between Rs80 billion to Rs100 billion.
The letter says: “TIP has received a very serious complaint on the misuse of Pakistan Remittance Initiative and estimated loss to exchequer of 6.67% by alleged collusive practice of banks and SBP. The complainant has made following allegations:
“1. According to F.E. Circular Letter No. 40 dated November 29, 2000, the following scheme was announced:
“Keeping in view the difficulties experienced by the banks and to provide more incentives to the banks to accelerate home remittances, it has been decided that henceforth:
i) The minimum amount of remittance of US$200/- to qualify for reimbursement of charges is reduced to US$100/- or equivalent to other currency (per telex/swift charges).
ii) The reimbursement rate of SR20 is increased to SR25 for each remittance.
“2. From July 2001 to Jan 2012, the home remittances received are estimated to be about US$69 billion. The complainant has alleged that 6.67% is dished out to banks with connivance of SBP; each remittance received is broken into packages of $100 each without the knowledge of the remitter, and SR25 on each remittance is being shared between the colluding officers of banks and SBP.
“3. Total amount dished out of the exchequer is about US$4.6 billion in the last 11 years. This is about Rs400 billion.
“4. The complainant has also stated that the incentive scheme from the beginning is reported to be wrong, and the 6.67% benefit should have been passed on to the remitter. “Transparency International Pakistan requests the governor to kindly examine the allegations made by the complainant, and found correct, take immediate remedial measures to stop such illegal practices and recover the illegal benefits availed by them and deposit them in the national exchequer.
“TIP also requests the governor to get the F.E. Circular Letter No. 40 immediately amended, for the benefit to be passed on to the remitter. This incentive to the remitters, if approved, will surely increase the current level of home remittances manifold within a couple of years.”
Well research and well argued post.
We can’t expect integrity and objectivity from Ail Gilani, himself most un-transparent person in the transparency industry.
For our mindless Jang/Geo/The News / TIP walas, please see http://siteresources.worldbank.org/INTPROSPECTS/Resources/334934-1288990760745/RemittancesData_Inflows_Dec11(Public).xlsx
This is world bank data. Remittances to Pakistan have grown at 21% CAGR from 2001 to 2011! Other big remittance receivers like India had growth of 14%, Bangladesh had remittance growth of 17%, and Philippines saw a growth of 9% per annum!
Not just patriotism, but improvement of processes through the SBP’s PRI initiative for sure had a role.
Aur doosri baat, jalnay walo…this fiscal year, the remittances will touch close to USD 13 billion! Koi jal gaya aur kisi nay dua dee!
Hundi and Hawala transfers have come under a lot of scrutiny. Central Banks in a number of countries are discouraging the practice, even though it is still sizeable. Moreover, because of anti-money laundering and know your customer requirements, Hundi and Hawala is no more that easy.
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THe transparency International hasdoe a good Job finding scandalsin thebankinging sector. This one tops all the previous ones. Hopefully the STatebank will find thetrtHE BANKINuth sand truestate of bank affairs and such schemes hatched to defraud the remitters . Thevremittance sre sent by hard working Pakistanis to benefitvthe nation not some banks already robing the people of PAkistan
THis scandal must be throughly probed to save money to the remitter and the original beneficiart.
The losses must be reooted and approriate action taken against the culptits.
Javaid Bashir
Attorney at law
Lahore
There is something wrong.
I wrote a lengthy comment on another topic agenda Pakistan to deny autonomy to Pakhtuns. I ewill try to compose my thoughts on that important issue here and tryb to post the comments.
Mr , Barysal Alizai’s thesis is based on the assumptions and baseless allegations. there is no truth in them to support his flawedand skewed arguments. we are all for provincial autonomy for all the federating units. Infact now the provinces are fully autonoous and free to run in any direction.
the education is an important component of any plan for development and progress of any area whether a province, district , union council or region . the education has
The education has become a provincial subject, and the federal government has no control over it any more. Let us do our duty at provincial level to promote education and literacy rate. Let us stop blaming others for our faults. the most ignored sectors in Pakistan has been education and health. Now we should use our resources on these sectors and increase funding for the projects. we must plan properly , and establish schools and basic health units. we must work on war footings. we will succeed in our endeavors. we should work on creating harmony and not sow the seeds of disarray. we are one nation under God and remain so. the Pashtuns are part of Pakistani nation. we should include all the races religious groups and ethnic groups the colorful buoquette of our nation. All races are our pride. We must forget all differences and live as good muslims and citizens of free Pakistan.
these divisions into different parcels can not help us in developing economically strong Pakistan. The develop,\ment of any region is vital for all Pakistanis. We are a big family of different hues and colors of the same rinbow.
Our limit is beyond skies and we must be proud of our indo,itable will power , and God’s mercy on us.
Let us not talk about extinction of Pashtuns or anyy one else. Nobody can make us disappear from this earth. We are to remain for ever in the shape and forms made by the God Almighty. We must work at creating unity, cohesiveness, discipline and harmony among us.
JAVAID BASHIR
LAHORE
The Transparency international has donea fabulous job revealing the fraudulent scheme of banks. They have deprived millions of hard working workers and foreign currency remitters to Pakistan. THey are creating wealth for the nation, and these banks are robbing them blind with their cunning schemes. The State bank should investigate this fraud and restore the benefits to real owners. We must repair the damages caused yto our foreign Pakistanis.
We can not afford to loose these contributors to the health of our economy. Let us be truthful and msgvimous about admitting our flaws and repair the damage caused by us.
JAVAID BASHIR
LAHORE
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