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Digital Bangladesh-HABIBULLAH N KARIM

Bangladesh has grown in various dimensions since independence its population doubled, its grain production tripled, its economy multiplied 10-fold but there is one valuable resource that has not grown at all because it cannot grow on its own our landmass. Bangladesh has a land mass of 144,000 sp km, which is more or less static overtime (despite hopes of gaining land from coastal siltation). As the number of people is rising & our per capita income is also growing, the demands on the fixed landmas is escalating faster & faster making this scarce resource all the more scarce. No wonder we are seeing land prices skyrocketing like at no other time recent memory. Measure for measure, a strip of land on Gulshan Avenue is more expensive than a parcel of land on the Las Vegas Strip, presumably one of the choicest places on the earth for commercial property. Despite the high cost of land & its relative paucity compared to our large population (we are already one of the most densely populated countries in the world) it's nothing less than amazing that a complete inventory of our land resources is still not done. Our land ownership records are still maintained in the archaic way handed down to us from more than a century ago. The age old system of land record keeping & its management is so faulty that fraudsters & tricksters are having a field day in this country for a long time. I previously wrote about how the land transfer records, ownership records & taxation records & maintained by three separate govt agencies without any mutual accountability among them. As a result land ownership disputes have grown exponentially over the years, so much so that legal experts estimate that a staggering four-fifths of all litigations are land ownership related. Now keeping land ownership records is that so difficult a tast one may wonder. The simple answer is no. Throughout the world computer-based record keeping has greatly facilitated land records management in the last 30 years. Within our vicinity, India, Sri Lanka & Thailand have already achieved simplicity & efficiency in land records management. There is no rhyme or reason why we should not be abld to emulate our neighbours on this. In fact, we should have been ahead of our neighbours in this area since land records computerisation pilots were undertaken in our country since the mid-eighties. Do we ever wonder why in so many places we never seem to graduate out of the pilot phase even though the benefits are so obvious? There have been some progress though the developments are far to slow & to little compared to what is needed to root out the evils in land-records management. These days, if you need a land-ownership record (called a 'porcha') the Department of Land Records & Survey (DLRS) office gives you a computer generated printout in place of the hand written 'porchas' of the past. This has reduced the time from more than a week in the past to a couple of days at present. The process can be further expedited by automating the acual 'porcha' application process, which remains manual. The immediate past DG OF DLRS (the current executive director of Bangladesh Computer Council) took up a project to publish the 'porchas' online through their website http://www.dgdlrs.gov.bd/ . DLRS sources say more than 40000 porchas of Dhaka City are already uploaded on this site. There have also been a number of proof-of concept computerisation projects as well as land ownership records & maps management in the last five years. The DLRS management appears convinced of the merit of computerisation & committed to mainstreaming the adoption of information technology in their operations immediately. They have proposed a tk 3000 core plan to computerise all land records of the country in the next five year. On the other hand, the registration processes of land title transfer deeds under the Inspector General of Registration (IGR) are being amended to require more definitive proofs of land ownership & possession. In the past the requirements were very lax in this regard. The Law Ministry (the line ministry of IGR) is known to be considering computerised archiving of registered deeds for faster retrieval & cross checking, where necessary. For an effective land administration system, however a seamless computer-based land information system will be required that interconnects the computer systems of the DLRS, IGR & district administration offices. This way, when a land ownership transfer deed is registered on the computer system at the subregistry office, the ownership record at the district revenue administration office (owership title changes called 'mutation' are done here) & at the DLRS office (for issuing up-to-date 'porcha') will be updated contemporaneously. In Kolkata these days, this whole process takes less than an hour. In Dhaka it can take years. It can however be done here in a few minutes also provided the govt & the ruling party & fully committed to making this happen. And by the way, it can all be done without large sums of money from the exchequer. The computer-based land administration system can generate more than enough revenue from the expedited & hasslefree services to pay for itself through build-operate-and-transfer (BOT) financing schemes in pertnership with the private sector. With the current finance minister contemplating a public-private-partnership (PPP) allocation in the ensuing budget, may be this is the route 'Digital Bangladesh' will take in modernising its land administration system.

Business leaders favour PPP funds

Chamber leaders & businessmen think the concept of a public private pertnership (PPP) budget in encouraging, as the local investors would have opportunities to participate in the development of infrastructures for smooth running of businesses. Finance Minister AMA Muhith in his pre-budget parleys with different stakeholders, including FBCCI & MCCI, made an assurance that a substantial amount of fund would be earmarked for PPP in the upcoming budget to execut power & other uplift projects. Complaints over the nagging power & gas crisis from the industrial sector ar piling up at different ministries & govt agencies. Thriving industries, especially the readymade garments (RMG) sector, are suffering due to the absence of such facilities. "In fact we placed the proposal to execute projects on PPP basis to ensure better management" said Annisul Huq, president of the Federation of Bangladesh Chambers of Commerce & Industry, pointing to the present weak state of infrastructure, a major impediment to industrial growth. "We can at least start a few projects under the PPP fund to see whether the option is feasible or not" he said. "In some cases, the government can also be a partner by providing fallow land for development. But the govt must give a very viable policy framework for making the PPP concept effective " the FBCCI chief added. Welcoming the idea Abdul Hafiz Chaudhury president of Metropolitan Chamber of Commerce & Industry (MCCI) said the govt should formulate a guideline in this connection first. The PPP fund could pay dividends in several ways, as the total fund is an internal resource, he said. "The govt should come up with such proposals as many local investors have idle money to spare" Mr Chaudhury added. Welcoming a PPP budget, Abdus Salam Murshedy president of Bangladesh Garment Manufacturers & Exporters Association (BGMEA) said "The govt should go for short, mid & long term solutions to power crisis". MA Awal chairman of Prime Group of Industries, one of the leading textile & RMG manufacturers said the govt can buy 500 Mega Watt of power within a year from the industry owners' captive power plants by using such funds. Fazlul Hoque, president of Bangladesh Knitwear Manufacturers & Exporters Association (BKMEA) said the govt can at least start some pilot projects under the PPP fund, & if it work, major projects can then be undertaken. "Of course the concept is encouraging as the involvement of the local investors in development process is ensured" Mr Hoque said.
---REFAYET ULLAH MIRDHA

Banks lending to womem entrepreneurs to

Bangladesh Bank plans to offer special incentives for private banks that would disburse large sums of loans to the agriculture sector & women entrepreneurs, the Bangladesh Bank governor said in Dhaka. Additionally, banks that would not disburse adequate loans to those sectors, as instructed by the Bangladesh Bank, would be discredited, Dr Atiur Rahman told a seminar on "Budget Aspiration For Women Entrepreneurs 2009-10". Mr. Rahman said, "We want to disburse loans to women entrepreneurs & some other areas as tools for the CAMEL (capital, asset, management, earning & liquidity) rating for banks. So the banks that would not follow instructions would have poor rating scores". Bangladesh Bank will increase its vigilance on the poor performers in the CAMAL rating, he added. To increase the share of women in the upcoming budget for 2009-10, he also suggested women entrepreneurs persuade the government to creat scopes for them in the budget, especially in Public Private Partnerships. In the discussion, the Bangladesh Women's Chamber of Commerce & Industry (BWCCI) urged the government to make a special allocation of Tk 100 core for women entrepreneurs to facilitate them. BWCCI organised the seminar. "A country can't develop if 25% of its entrepreneurs aren't women. As women entrepreneurs lack adequate liquidity & banking support, it's vital to allocate separate funds for them" said Selima Ahmed president of BWCCI. Sharing her experience on obtaining a bank loan, Rahela Pervin Shishir an entrepreneur in the printing sector said, "When I approached a bank after the Bangladesh Bank instruction on funding women entrepreneurs, the bank officials told me that a bank would not be regulate by the central bank, but rather by its board of directors". Speaking at the function, Tarana Ahmed proprietor of CNG World, urged the government to provide loans to women entrepreneurs against work orders.
---DAILY STAR