Showing posts with label social ills Bahamas. Show all posts
Showing posts with label social ills Bahamas. Show all posts

Tuesday, June 5, 2012

Urban Renewal 2.0 is a direct response to past and current problems facing a number of inner city communities in The Bahamas ...such as crime, poor housing conditions, joblessness, illiteracy, homelessness, and other social ills that contribute to crime and anti-social behavior

What Urban Renewal 2.0 Will Mean For The Bahamas
tribune242


The commissioner of police's statement on Urban Renewal:


THE flagship Urban Renewal 2.0 Programme is a direct response to past and current problems facing a number of inner city communities in the Bahamas such as crime, poor housing conditions, joblessness, illiteracy, homelessness, and other social ills that contribute to crime and anti-social behavior.

The project is the brainchild of the Prime Minister of the Commonwealth of the Bahamas Perry Gladstone Christie and it has the full support of the commissioner of police, the executive management team, and all members of the Royal Bahamas Police Force.

The tenets of Urban Renewal 2.0 are included in the Commissioner's Policing Plan for 2012 and are clearly delineated under priorities one, two and three.

The Urban renewal Community Based Policing programme is one of the most ambitious crime prevention programmes in the Bahamas.

It is a comprehensive approach to crime, antisocial behavior, and community safety.

It emphasises both innovation and integration of efforts and resources by a wide range of agencies and the community at large.

Objectives of the Urban Renewal Project
  • To prevent crime and reduce the fear of crime in the community.

  • To identify and tackle the main causes of the social conditions which promote the occurrence of crime and deviant behavior.

  • To examine and improve the quality of life and the social and environmental conditions of high crime communities.

  • To involve the community in problem-solving and empower citizens to play an active role in their communities.

  • To identify the problems facing our young people and to engage them in positive activities and programmes geared toward making them productive citizens.

A brief history of the Urban Renewal Pilot Project

Urban Renewal was first launched as a pilot project in the constituency of Prime Minister Perry Christie, called Farm Road, in June 2002.

The community was identified as the pilot area because it showed trends that were prevalent in other communities in the Bahamas such as crime, social ills and urban decay.

Within just six short weeks of its inception, police officers assigned to the Farm Road Project visited every household and business establishment in the community.

They collected data and intelligence on environmental concerns, health issues, housing problems and criminal activities.

The police team was later joined by representatives from the Department of Social Services, the Ministry of Housing, Health Services and the Ministry of Works.

The team removed derelict vehicles, organised the demolition of abandoned buildings, dismantled street drug peddling groups, and arrested a number of prolific offenders. These initiatives resulted in a significant reduction in crime.

Within one year of the project's inception, the team established computer literacy centres, a youth marching band, a community development association and the national Urban Renewal Commission.

It also set up similar projects in eight other areas of New Providence, five in Grand Bahama and one in Abaco.

The team was awarded the Association of Caribbean Commissioners of Police Motorola Community Policing Award in May 2003 and won two other community policing awards from the International Association of Chiefs of Police (IACP).

Role of the police in Urban Renewal

Members of the Royal Bahamas Police Force who are assigned to the Urban Renewal 2.0 Programme have an expanded scope of police work which includes crime, the fear of crime, quality of life offences, social and physical disorder, and community decay.

These officers are expected to use a full range of talents, skills and abilities to not only prevent and interdict crime, but to also enlarge their role and become community problem-solvers.

About community policing

Community policing focuses on bringing the police and citizens together to prevent crime and solve neighborhood problems. In community policing, the emphasis is on preventing crime.

Preventing crime is a big job. The police are more effective when they can depend on residents for help.

Community policing calls for a commitment to improving the quality of life in neighborhoods. Community Resource Officers (CRO) look to residents for help in solving neighborhood problems.

In essence, community policing gives citizens more control over the quality of life in their community.

General duties and activities of the police under the programme

  • Directed patrol - patrols are specific and intelligence driven, designed to deal with existing and emerging problems in the community. These patrols can be done on foot or in vehicles to facilitate communication and the building of relationships between the officers and community members.

  • Community involvement - Urban Renewal officers must build trusting relationships and partnerships with community members to address their specific problems.

  • Identifying and prioritising problems - community members are encouraged provide officers with information about the problems they face and work with them prioritise issues and problems.

  • Reporting - the Urban Renewal officer must share information with other police officers as well as the RBPF generally and with special sections (DEU, CDU, CIB, SIB, et cetera) about the specifics of his community.

  • Organising - organising activities oriented to specific problems and working to enhance the overall quality of life in the community.

  • Communicating - there are both formal and informal sessions aimed at educating people about crime prevention and other issues as well as managing communication with the media.

  • Conflict resolution - the Urban Renewal officer mediates, negotiates and resolves conflicts formally and informally (and challenges people to begin resolving problems on their own).
  • Referrals - the officer refers problems to specialised agencies.

  • Visiting - Urban Renewal officers make frequent visits to homes and businesses to recruit help and to educate.

  • Recruiting and supervising volunteers - the Urban Renewal officer works with volunteers to address social problems affecting the community.

  • Proactive projects - the Urban Renewal officer works along with the community to solve both long-term and short-term problems aimed at improving the quality of life.

  • Targeting special groups - Urban Renewal police officers will focus on special groups in the community such as the elderly, youth, women, physically challenged persons and the homeless.

  • Targeting disorder - Urban Renewal officers place specific emphasis on social and physical disorders and the degradation of neighbourhoods.

  • Networking with the private sector - the Urban Renewal officer actively communicates with and solicits the assistance of the business community for services and volunteer work.

  • Get to know people - the Urban Renewal officers form relationships with residents so as to learn about their concerns and to build confidence and trust between citizens and the police.


  • June 05, 2012

Friday, March 9, 2012

...four years after the ‘Great Recession’ commenced, the Bahamian economy continues to struggle... ...the government is challenged with reduced revenues, soaring energy and food prices, high unemployment, rising crime levels and social ills... ...with unemployment at its highest in years and individuals on reduced pay... it seems fair to state that the mortgage sector and housing market in The Bahamas are in a crisis...

Confronting the Bahamian debt crisis pt. 1


By Arinthia S. Komolafe



In the aftermath of the worst recession since the Great Depression, the government is challenged with reduced revenues, soaring energy and food prices, high unemployment, rising crime levels and social ills.  In response to these challenges and in order to stay afloat, the government has resorted to borrowing.  The reality is that imprudent borrowing practices prior to and during the economic downtown have exacerbated the economic soundness of our government.

The story of the sub-prime mortgage crisis and the lessons learned are well documented.  However, four years after the ‘Great Recession’ commenced, the Bahamian economy continues to struggle.  It was reported that the Bahamian banking system was resilient to the crisis and to some extent the economic downturn because of our credit policies as administered by the Central Bank of The Bahamas (CBB).  However, was this assertion truth or fallacy?  One wonders if based upon the facts and looking back in hindsight whether the current mortgage and ultimately debt crisis was an accident waiting to happen.  Could it be that the economic downturn exposed flaws in our monetary policy and credit risk management framework?

Background

A journey down memory lane and history, will show that the CBB in August 2004 in an attempt to ensure that credit expansion was consistent with economic growth, advised banks to monitor borrowers’ creditworthiness by limiting the debt service ratio (DSR) on loans to a range of 40 percent to 45 percent of ordinary income and require a minimum of 15 percent equity contribution on all personal loans with exceptions to those secured with mortgage indemnity insurance.  A short one month later, the CBB temporarily relaxed those policies by eliminating the 15 percent equity requirement and raised the DSR threshold to 55 percent.  It is noteworthy to state that the reason given for this change was to aid in relief due to the effects of Hurricane Frances.  It is unclear, however, how many banks took advantage of this flexibility, the immediate impact on the economy and how long these policies actually remained in effect.

However, some four months later, the CBB reduced its discount rate (DR) from 5.75 percent to 5.25 percent and the prime rate (PR) was consequently reduced by 50 basis points to 5.5 percent.  It is imperative that we examine the aforementioned policy decisions made by the CBB in the context of the Bahamian economy which is primarily consumer driven.

In the absence of an established credit bureau, it is difficult to assess the creditworthiness of Bahamian consumers and almost impossible to assess whether a consumer’s DSR truly falls within the 40 percent to 45 percent range.  Taking a conservative hypothetical approach (and I must emphasize that this may be extremely conservative) and assuming that a majority of consumers had a ‘real’ maximum DSR of 55 percent as opposed to the required maximum 45 percent, it follows that an increase of the DSR to 55 percent would increase the ‘real’ DSR to 65 percent, leaving the consumer with an ultimate disposable income rate of only 35 percent.

In addition to the scenario painted above, a decrease in the DR and PR all things being equal, should further encourage borrowing and expand credit.  This brings into question whether the objective of ensuring that credit expansion was consistent with economic growth was achieved.  In 2004, with the CBB’s policy to restrict credit expansion, the amount of mortgages for new construction of single dwelling homes stood at a mere 894.  To highlight the effect the aforementioned policy change had on the mortgage market, in 2005 and 2006 government revenue on stamp tax for mortgages almost doubled in 2005 compared to 2004 and increased significantly in 2006.

Further, residential mortgages for new construction of single dwelling homes stood at 1,428 and 1,137 in 2005 and 2006 respectively.  The total processed value amounted to approximately $300 million for these years.  It is uncertain how many persons painted a true picture of their DSR and the real question is whether the majority of persons who obtained mortgages during this period should have actually qualified for those mortgages. This is bearing in mind that as at December 31, 2011 mortgage delinquencies stood at approximately $650 million.

Mortgage sector and housing market in crisis

Today with unemployment at its highest in years and individuals on reduced pay, it seems fair to state that the mortgage sector and housing market are in a crisis.  It is not surprising that many Bahamians have defaulted on their mortgage obligations with mortgage delinquencies standing at approximately $650 million in arrears for the entire Bahamas.  In order to appreciate the extent of this debacle, a look in the newspapers will reveal a fraction of the number of foreclosed properties advertised for sale.  It has been argued that the reduction of the DR and PR by 75 basis points in June 2011, although welcomed came too late and that the reduction was inadequate.

The government is being called upon to provide mortgage assistance for those who are losing their homes.  Proponents of this relief effort cite the millions of dollars expended on capital infrastructure by the government in justifying this move as the right action required.  They submit that if the government could spend such exorbitant amounts on infrastructure and the purchase of shares, it is only fair that the government would provide relief to struggling homeowners.  Opponents of any form of mortgage relief efforts by the government argue that in a capitalistic society, the government should not interfere with private enterprise.  After all, opponents submit the free market economy is designed to have minimal government intervention and market forces must be left to control the market.

In the final analysis, there is enough blame to go around; starting with the government, the lending institutions and the consumer.  In the years leading up to the financial and economic downturn, the government benefitted from the credit expansion as a result of monetary policy in the form of increased stamp tax revenue, the lending institutions turned over record profits and consumers benefitted from unprecedented access to credit facilities.

It is only fitting, therefore, that the aforementioned benefactors should come together to bring resolution to this crisis.  In order to avoid further deepening of this crisis, the government on its part, should explore establishing a fund to assist eligible homeowners in retaining their homes.  Adjustments to the DR and PR by the CBB should be stalled until a credit bureau and robust consumer protection agency as a matter of urgency have been established.  The lending institutions should take significant steps to refinance mortgages on more favorable terms for consumers and more importantly consumers should exercise increased prudence in the management of their finances.

 

•Arinthia S. Komolafe is an attorney-at-law.  Comments can be directed at: arinthia.komolafe@komolafelaw.com

Confronting the Bahamian debt crisis pt. 2

Mar 09, 2012

thenassauguardian

Monday, May 31, 2010

Our futile war on crime in The Bahamas

Our futile war on crime
NOELLE NICOLLS
Tribune Staff Reporter
nnicolls@tribunemedia.net:



Now here is a bright idea: If Hubert Ingraham and Perry Christie would just work together, the whole country would be united against crime. Maybe that is what it will take to solve the problem. What a laughable thought, to say the least.

Honestly, if our present leaders mustered all of their intellectual capacities I am willing to bet any wager they would still be clueless and ineffective in abating crime. The math is simple. We will not solve crime by fighting crime. We will only solve crime by eliminating the conditions that give rise to crime.

So what if we stopped asking the government what their crime plan is and stop holding the police responsible for stopping crime. The problems we currently face are only allowed to thrive because there is an absence of community. Let us stop expending so much energy crying over crime, and focus on reclaiming and restoring community.

This may sound callous, but last year's murder count of 77 is dwarfed by all of the other social ills. Our fixation on the murder count - the endless comparison between annual figures - is pointless. The conditions in society are not static; they are deteriorating while our population is increasing, so naturally there will be an increase in crime. It has nothing to do with whether the Free National Movement or the Progressive Liberal Party is in power, or which Commissioner of Police the government installs.

Fact: A large percentage of our murders stem from interpersonal conflicts. This is an example of how our dysfunctional behaviour translates into a proliferation of crime. Look around at all of the incestuous relationships Bahamian fathers have with their children, or the number of children living in fear of being molested by their pastors or the shop owner down the street. In fact, look at an ordinary day in the House of Assembly. We have drifted so far away from the true spirit of community that our society has become a production house of criminality and dysfunction.

Most of the largest town criers are not even exposed to a real threat of violent crime, but in a state of fear created by the manipulation of a perception of crime, they are overcome with paranoia. The average middle class Bahamian in their mid-40s would probably struggle to name more than five incidents of violent crime that have directly impacted their lives (child abuse not withstanding). The fear they experience is more of an illusion.

Those that we should really be concerned about are the children in our society. The threat to them is real. Their lives are invariably shaped by the intense trauma that results from their exposure to violence and a host of other social ills.

On a regular basis I work with children from "Over the Hill"; they average about eight years old. In a weekly Monday exercise called "sharing the news", they tell stories about the people they know that got "jook up", "locked up", "beat up" or "killed". In this forum we often remind them that "the news" does not always have to be about the violence in their community. But without fail, every week they return with war stories. Imagine what their level of direct exposure will be by age 40.

What is most alarming is that the dysfunction they speak of has become so normalized within their neighbourhoods that they are incapable of realising how it is adversely shaping their perceptions of reality.

These children do not need a crime plan. They need a community, and what we have in the Bahamas, as Baba Shango rightly articulated, is a group of individuals stuck on the same rock. A true community is not a group of individuals living in a specific location, sharing a government and a common heritage.

A true community enables the healthy development of its children, helping them to discover their purpose and understand who they are. The community supports the healing of all children, nurtures their talents and welcomes their contributions.

In a holistic community, each generation is the link to the one that precedes it and the one that follows. A reciprocal relationship is fostered as they inspire each other. What we have today is a situation in which no one is being inspired. Few are pulling from the past and fewer still are giving to the future.

In a holistic community, the blessings bestowed on individuals in the form of skills, talents and personal wealth are no more the possession of individuals than the air they breathe. The whole notion of the self made person is an illusion. This thinking is what Albert Einstein calls "a kind of optical delusion of (one's) consciousness". It is the kind of delusion that negates community. No one survives or thrives without a form of community.

So much has been lost of our understanding of the world, our traditions, customs, rites of passage and initiations. At one time these served as a guide for the development and structuring of our communities. Often times we perceive our traditional ways as dead, perhaps that is the very reason our society is in a state of decay. Our present practices are materialistic, superficial and commercially oriented. They lack meaning and purpose.

For example, we have lost the essence of what it means to name a child. A name is supposed to call out the destiny of a child and remind a child of his or her purpose. It is not simply a form of identification. The popular practice of compounding the names of two parents to label a child is not rooted in an understanding of community. It is a glitch in the system derived from individualistic Western ideals.

The naming ceremony is a sacred event. It is where the community discovers the child's purpose and is made responsible for helping the child to fulfil his or her destiny. It is where the community unites to celebrate the arrival of the child, who is the bearer of news from the same realm to which the rest of the community must prepare to return one day.

In a holistic community, this is one of the many structures that provide a firm foundation for the growth and development of the child. In our society, many of these essential structures have been corrupted or outright abandoned.

Another prime example is the relationship between our children and our elders. The need for the connection between children and elders is much more fundamental than our current practices would suggest. A visit to grammy in our culture has become a nonchalant activity that we do in our spare time. We marginalize our elders, based on our Western world view. Generally, elders are viewed as economically unproductive, because they do not work in the economy, while they continually consume resources. They are considered dispensable, worthless even.

In traditional African culture, where a holistic understanding of community manifests, there is an unspoken language between children and elders. This is why elders take a great interest in the birth of a child. The elders prepare the children for the journey ahead, sharing with them the secrets of life. The children share with the elders news of the next realm, preparing them for their upcoming journey.

"Throughout children's lives in the village there is a strong message that they belong to a community of people who value them almost beyond anything else. It starts when grandparents participate in the birthing and are the first to hold the newborn. Because the newborn is considered a villager who has just arrived from a long trip that started in the land of the ancestors, the people most recognizable to them are the old ones," according to Malidoma Some, in the "Healing Wisdom of Africa".

If it is not clear as yet that we have far greater problems than crime then perhaps you are not seeing the crux of the matter. In our absence of community, we are inevitably damned, because we live by a destructive separatist agenda that is safeguarded by a belief in armed force.

In material terms this looks like a proliferation of gated communities, "shanty towns" and prisons; a flood of police on the streets; an increase in police raids, civilian armament and private security; and an increase in gangs. Surprise. Surprise. We are creating an increasingly segregated society with "strong people" who get by and "weak people" who don't.

All of this stems from our linear way of thinking. In this model everything is perceived through a dichotomous paradigm: good, bad; ally, enemy; old, young; black, white; male, female; straight, gay. In this two dimensional world view it is hard to see the inherent connections in all things. All reality is polarized; all knowledge is externalized, and if something cannot be proven with empirical evidence it does not exist. This lends to materialism and an imbalanced left-sided way of thinking, which cuts one off from the world of spirit.

Imagine our predicament when the entire education system is designed on this model. It breeds a society of highly materialistic, technocratic individuals with little self-knowledge. Our children are not taught to learn from within and they develop a sense of dependency. Ultimately, western education suppresses our children's intuition and causes it to atrophy.

Our linear way of thinking has manifested in everything around us, from our thoughts on life and death, to the way we design our so-called communities.

Often we hear people use the following phrases: "Here today, gone tomorrow", or "I only have one life to live." These are symbolic of our thoughts on life and death. The Christian view suggests a person is born, dies, and goes to heaven or hell. An atheist's view suggests a person is born and dies. In essence, it is the same linear model of thinking that gives rise to both of these world views. This is in complete opposition to what we see in nature.

I n traditional African culture the person is born into the community to serve a specific function or role. They leave the community through the doorway of death, enter the ancestral realm, where they continue to play a supportive role, and then are reborn into the community. Africans have developed this understanding by observing nature: the cycle of the seasons, the cycle of the moon, the ebb and flow of the tides, and the cyclical transfer of energy in the ecosystem.

In Bahamian society we recognize the cyclical nature of certain things in our speech, primarily in an unconscious way. When we say, "you killing ya granddaddy", or when we remark that a child has inherited a particular skill or trait from a deceased relative, these are unconscious revelations of reality. Unfortunately for us, living unconsciously, without purpose, has disconnected us from our very nature. This is why we are so destructive to ourselves and the external environment.

Our linear way of thinking has even manifested in the way we construct our neighbourhoods. Examine any modern neighbourhood and you will notice that our houses are lined up on streets. What you are actually seeing are houses arranged in parallel lines that never meet. This is further compounded by the walls and fences we erect to delineate boundaries and create division. This is a tangible example of a segregative way of being: each unit is compartmentalized and excluded from the other.

In a holistic model, communities are designed based on a unified way of being. The cosmological principle of community creates a physical blueprint for designing our dwellings, reminding us daily of who we are. For example, the dwellings in a compound are generally arranged in concentric circles. Elders and children are located at the core. Women form the inner perimeter and men form the outer circle.

Children

This ties back into the relationship between children and elders, and the role of everyone in the community. The African model shows us that at the heart of community is wisdom, ancestral knowledge represented by the seed and the ripening fruit. The women represent the nurturing force that supports the core. The men represent the external boundary, the hard exterior that protects that which is most important.

Unfortunately, based on our current level of consciousness, it is virtually impossible for us to create a true community. Individually and collectively, we do not identify with the requisite higher levels of consciousness in our being needed to develop community.

Consciousness is the underlying essence that flows through nature. It is our ability to understand ourselves, each other, and the world we live in; it is our awareness of the connectivity of all things.

When consciousness is directed in a linear way it manifests in the identification with the material aspects of our being. When it is focused in a balance manner, in both hemispheres of our brain, it manifests in a holistic way of being. When we operate on a higher plane of consciousness we have greater wisdom and foresight; we access our ability to see through the third eye.

"No problem can be solved at the same level of consciousness that created it," as my mother often says in quoting Albert Einstein. This type of thinking is consistent with the old adage, "A man cannot be above his mind." Basically, a person with pink glasses lives in a pink world.

If we raise the level of consciousness in our people, particularly in our children, then new ways of being will emerge. If every strategy we employed to solve our social problems was infused with this inner knowledge, the essence of who we are, it would transform the way we live. Because everything occurring internally manifests externally, higher consciousness would inevitably give birth to community.

If we really want to solve the problem of crime we have to fill the void created by a lack of community. Raising our consciousness as a people is our best hope for reclaiming and restoring community.

The power to arrest the problem is in the hands of each individual, but most relinquish their power by denying individual responsibility. The next time you look outside of yourself for the answer to the crime problem, ask yourself these questions: What is my state of consciousness, and what am I doing to build a true community?

But first, we must examine, are we really interested in forming a community with the other people stuck on this rock, or are we content with Western illusions of security, prosperity, Godliness, and identity.

I suspect our greatest problem is the fact that we are not truly interested in forming a community. Rather, we are satisfied with living a life based on the illusions that we construct, chief among them is our futile war on crime.

May 31, 2010

tribune242