Mali has witnessed several coups in recent years. AP
Mali has witnessed several coups in recent years. AP
Mali has witnessed several coups in recent years. AP
Mali has witnessed several coups in recent years. AP

ISIS has almost doubled its control in Mali, UN experts say


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ISIS militants have almost doubled the territory they control in Mali in less than a year amid stalled peace efforts, United Nations experts have said.

“In less than a year, Islamic State in the Greater Sahara has almost doubled its areas of control in Mali,” the expert panel said in a report shared by the Associated Press, referencing the group's control of rural areas in eastern Menaka and large parts of the Ansongo area in northern Gao.

ISIS attacks in the area have also eroded trust in signatories of a 2015 peace agreement, it added, with actors appearing "to be weak and unreliable security providers” for communities targeted by the extremists.

The terror group and Al Qaeda-affiliated rivals have taken advantage of the delay in implementing the agreement to stage attacks and are looking to re-establish an Islamist state in the north of the country, as happened in 2012, the UN experts said.

The Al Qaeda affiliate Jama’a Nusrat ul-Islam wa al-Muslimin (JNIM) is now positioning itself as the sole actor capable of protecting populations against Islamic State in the Greater Sahara, the experts said in the report circulated on Friday.

Mali, which has witnessed several coups in recent years, has supported the military junta which took power last month in neighbouring Niger.

The instability there has threatened counterterror efforts across Africa's Sahel region, where experts have warned of a huge increase in ISIS and militant activity.

France and the US, which both have troops in Niger, suspended counterterror operations following the coup, while Mali's leaders have warned Ecowas, the bloc of West African states, against a military intervention there.

Mali, Burkina Faso and Guinea have told Ecowas that sending troops into Niger would also be seen as a declaration of war against them.

With ISIS' presence waning in the Middle East, the terror group is now on the rise in Africa, experts have previously told The National.

While it has to battle rivals in Mali, it has managed to gain a strong foothold in Somalia and the Democratic Republic of Congo, among others.

In June, Mali's junta ordered the UN peacekeeping force and its 15,000 international troops to leave after a decade of working on stemming the extremist insurgency.

The Security Council terminated the mission’s mandate on June 30.

The peacekeeping force, Minusma, also played a crucial role in facilitating peace talks and monitoring violations of the peace agreement, the experts' report said.

In June, a UN peacekeeper was killed and nine others wounded in an attack on their convoy.

More than 300 Minusma personnel were killed during the UN mandate in the country, making it the world's deadliest peacekeeping mission.

The panel said the armed groups that signed the 2015 agreement expressed concern that the peace deal could fall apart without UN mediation, “thereby exposing the northern regions to the risk of another uprising".

It also accused Russia's Wagner Group of being involved in "persistent" sexual violence in central and eastern parts of the country.

“The panel believes that violence against women, and other forms of grave abuses of human rights and international humanitarian law are being used, specifically by the foreign security partners, to spread terror among populations,” the report said.

Last month, the US sanctioned Malian officials, including the Minister of Defence, for alleged links to the Wagner Group.

Washington has also accused the paramilitary group of helping engineer the Minusma departure from Mali.

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Starring: Baneen Ahmad Nayyef, Waheed Thabet Khreibat, Sajad Mohamad Qasem 

Rating: 4/5

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Cracks in the Wall

Ben White, Pluto Press 

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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