Fawzia Koofi, a government peace negotiator and former member of parliament, stands before a wall with photos of Afghan MPs. AP Photo
Fawzia Koofi, a government peace negotiator and former member of parliament, stands before a wall with photos of Afghan MPs. AP Photo
Fawzia Koofi, a government peace negotiator and former member of parliament, stands before a wall with photos of Afghan MPs. AP Photo
Fawzia Koofi, a government peace negotiator and former member of parliament, stands before a wall with photos of Afghan MPs. AP Photo

Afghanistan's female politicians refuse to bow to pressure


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Fawzia Koofi was lucky to survive with minor injuries when gunmen attacked her car in Kabul on Friday, just days before she was due to travel to Qatar's capital Doha to take part in the Afghan government's first direct talks with the Taliban.

The former member of parliament, one of the five women on the 21-member negotiation team, said she was injured on her right arm. “Thankfully not a life-threatening injury,” she wrote on Facebook.

The Taliban were quick to deny involvement in the attack.

Assassinations have been on the rise throughout Afghanistan and either the Taliban or ISIS are often involved.

Ms Koofi is just the latest of many Afghan women who have faced threats simply because of their involvement in politics. Still, they press on in the face of challenges that most of their male counterparts never have to endure.

“Of course it isn’t easy and there is a lot of pressure,” said Zarifa Ghafari, mayor of Maidan Shahr, the capital of Maidan Wardak province east of Kabul where Taliban violence is prevalent.

"I've received more than enough threats. I'm not afraid of dying, but I'm afraid of losing my life without having done anything for my country," Ms Ghafari told The National.

At just 27, she is the country’s youngest mayor.

Zarifa Ghafari, Afghanistan's youngest mayor, speaks at the 2020 International Women of Courage Awards at the State Department in Washington, DC, on March 4, 2020. Sipa USA
Zarifa Ghafari, Afghanistan's youngest mayor, speaks at the 2020 International Women of Courage Awards at the State Department in Washington, DC, on March 4, 2020. Sipa USA

Ms Ghafari’s car was riddled with bullets while she was driving in Kabul in March. She was unhurt, but it was not the first time she had been targeted. “I have to get used to it,” she said immediately after the attack. “This is Afghanistan; sadly it still seems to be the norm here.”

Just as with the attack on Ms Koofi, no one claimed the attempted assassination of Ms Ghafari.

The young mayor lives in Kabul and usually makes the two-hour journey to Maidan Shahr in the early morning, returning each night, because she says it would be too dangerous for her to stay in her constituency permanently.

Ms Ghafari spoke to The National from her apartment overlooking the Afghan capital, a red teddy bear holding a heart reading 'love' on her couch, certificates and awards decorating her wall, and a pile of books stacked in a corner.

She said women politicians faced “a lot of pressure, often from both the society at large and even their own families”.

“It can be intimidating. Many men still don’t believe in the power and presence of women in authority. Nothing is equal here; even the peace deal doesn’t mean anything if the Taliban doesn’t believe in human rights, freedom of expression and gender equality.”

I love my country and I will never stop working for it, even if I have to die for it

To her, the horrors of violence she has seen throughout Afghanistan are traumatising, but also an incentive to keep pushing forward.

“I love my country and I will never stop working for it, even if I have to die for it,” she said.

Women in Afghanistan have come a long way since the years of Taliban leadership that denied them rights, freedom and even education. According to Unesco, Afghanistan’s female literacy rate is only about 30 per cent, compared with 55 per cent for males.

Afghan women, and the society as a whole, have changed significantly with the emergence of female entrepreneurs, political leaders and nightly news anchors, said Belquis Ahmadi, senior programme officer at the United States Institute of Peace. But with direct peace negotiations between the Taliban and the government imminent, women fear yet another possibility: “Their hard-won rights to participate in the nation’s political and economic life could again be washed away.”

Nilofar Ibrahimi, an Afghan member of parliament, has had to send her family abroad to ensure their safety. AFP
Nilofar Ibrahimi, an Afghan member of parliament, has had to send her family abroad to ensure their safety. AFP

Nilofar Ibrahimi, a member of parliament, said threats against women were all too common, placing a far greater psychological burden on them than on male leaders.

"I hear about it all the time," Ms Ibrahimi told The National. "Several intelligence reports claimed that the Taliban planned to target my vehicle on the way to parliament. We have to be prepared for such challenges and threats."

And while she is “full of energy” to work for women’s rights in Afghanistan, the mother of five was prompted to send her children overseas for safety, admitting that although it is hard for her to be far from her family, she did not want her position to threaten their lives.

“As for me, I’m here to stay, fighting for the day when women are viewed as equal partners with equal rights,” Ms Ibrahimi said.

Alongside Ms Koofi, Ms Ghafari and many other leading women in war-torn Afghanistan, she is in good company.

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A worker is categorised as skilled by the MOHRE based on nine levels given in the International Standard Classification of Occupations (ISCO) issued by the International Labour Organisation. 

A skilled worker would be someone at a professional level (levels 1 – 5) which includes managers, professionals, technicians and associate professionals, clerical support workers, and service and sales workers.

The worker must also have an attested educational certificate higher than secondary or an equivalent certification, and earn a monthly salary of at least Dh4,000. 

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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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