A child practices writing numbers on the pavement in New Delhi, India, on September 3, 2020. Most schools in India have remained shut since late March when the country imposed a nationwide lockdown to curb the spread of Covid-19, but many poorer children lack access to digital devices and internet for online classes. AP
A child practices writing numbers on the pavement in New Delhi, India, on September 3, 2020. Most schools in India have remained shut since late March when the country imposed a nationwide lockdown to curb the spread of Covid-19, but many poorer children lack access to digital devices and internet for online classes. AP
A child practices writing numbers on the pavement in New Delhi, India, on September 3, 2020. Most schools in India have remained shut since late March when the country imposed a nationwide lockdown to curb the spread of Covid-19, but many poorer children lack access to digital devices and internet for online classes. AP
A child practices writing numbers on the pavement in New Delhi, India, on September 3, 2020. Most schools in India have remained shut since late March when the country imposed a nationwide lockdown to

Covid-19 is jeopardising the education of millions in India, widening the rich-poor divide


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Fourteen-year-old Sapna Chavan, who lives in an overcrowded slum in Mumbai, has not been to class since March, when schools shut across the country due to the coronavirus pandemic.

Instead, she sits on the floor of her tiny one-room home using a cheap smartphone provided by a local NGO to attend online classes organised by her government-run school. Her two younger sisters and brother work alongside her in the cramped, dimly lit room while their mother cleans.

In some states, including Madhya Pradesh and Assam, schools have been partially reopened for older students (grades 9-12) to attend on a voluntary basis, but the majority remain closed. With Covid-19 cases rising sharply across the country, which is the third worst-affected globally with almost six million cases, it could be months before some students go back to class.

As a result, schools in several states, including Maharashtra, Tamil Nadu, and Kerala have started offering online lessons, but for many families unable to afford digital devices or internet access, the pandemic has put education on hold. Now, education experts say that some children may never go back to school, widening the gap between rich and poor and jeopardising the prospects of tens of millions of children trying to pull themselves out of poverty.

  • Migrant laborers wait for a rapid antigen test at the site of an under construction residential complex in New Delhi, India. Reuters
    Migrant laborers wait for a rapid antigen test at the site of an under construction residential complex in New Delhi, India. Reuters
  • A health worker displays a test kit showing a positive result for Covid-19 in Gauhati, India. AP Photo
    A health worker displays a test kit showing a positive result for Covid-19 in Gauhati, India. AP Photo
  • A man walks past a board from the Ahmedabad Municipal Corporation at a temporary Covid-19 testing centre in Ahmedabad. AFP
    A man walks past a board from the Ahmedabad Municipal Corporation at a temporary Covid-19 testing centre in Ahmedabad. AFP
  • People waits for transportation at a bus station in Jammu, India. AP Photo
    People waits for transportation at a bus station in Jammu, India. AP Photo
  • A vendor waits for customers at a market in Jammu, India. AP Photo
    A vendor waits for customers at a market in Jammu, India. AP Photo
  • People in need sit while maintaining social distancing in front of a restaurant offering free meals in Ahmedabad. AFP
    People in need sit while maintaining social distancing in front of a restaurant offering free meals in Ahmedabad. AFP
  • Women walk in front of a graffiti painted on a roadside wall in Bangalore, India. EPA
    Women walk in front of a graffiti painted on a roadside wall in Bangalore, India. EPA
  • A healthcare worker takes a swab from a migrant laborer for a rapid antigen test in New Delhi. Reuters
    A healthcare worker takes a swab from a migrant laborer for a rapid antigen test in New Delhi. Reuters
  • A paramedic prepares for duty at a makeshift Covid-19 care center at an indoor sports stadium in New Delhi. AP Photo
    A paramedic prepares for duty at a makeshift Covid-19 care center at an indoor sports stadium in New Delhi. AP Photo
  • A health worker takes the temperature of a patient at a makeshift Covid-19 care center at an indoor sports stadium in New Delhi. AP Photo
    A health worker takes the temperature of a patient at a makeshift Covid-19 care center at an indoor sports stadium in New Delhi. AP Photo

“There's always been a divide,” says Sunita Gandhi, the founder of Global Classroom Private Limited and the Global Education & Training Institute in India. “Because they can't afford it, they have to go to government schools, which are not working very well in some regions – or it's because of the lack of good quality teachers; there are so many factors that define learning outcome.”

The current situation has only exacerbated these earlier challenges, Dr Gandhi says, as weaker schools and teachers find it more difficult to adapt to running virtual classes. And there is often less support for children from poorer families at home – parents often have less time to help with homework amid the pressure of finding enough work to make ends meet, she explains.

“We see a lot of pitfalls and the divide getting bigger, the longer it takes for the children to get back into schools,” says Ms Gandhi.

There were 364 million people living in poverty in India in 2015 to 2016, approximately 28 per cent of the population, according to a report by the United Nations Development Programme.

Indian school children sit exams in Bhopal in September. EPA
Indian school children sit exams in Bhopal in September. EPA

Ms Chavan, who has crucial exams coming up next year, says it is hard to learn much these days. Her home does not have Wi-Fi because the family cannot afford it. Her father, a labourer who would normally earn a few dollars a day, has been out of work since March, when India's nationwide lockdown came into effect as the country tried to limit the spread of Covid-19.

“Sometimes the data connection is bad, and I can't hear what the teacher is saying,” she says.  “I don't like it at all. I miss going to school with my friends.”

Sapna enjoys school and is eager to do well in her exams next year so she can eventually secure a good job as a lawyer , but now she's worried about falling behind.

At the other end of town in a more affluent neighbourhood is 12-year-old Prisha Shah. Her online classes started in June, when the state of Maharashtra, of which Mumbai is the capital, instructed schools to begin virtual lessons.

In her comfortable home, she uses a laptop to attend online classes that are being conducted by her private school for about five hours each week day. Her parents are pleased that her education has resumed in a structured way after a three-month gap.

A teacher sits in an empty classroom as he prepares for online teaching at a government high school in Hyderabad on September 21, 2020, after the state government allowed 50 percent of staff at schools and colleges to resume duties for tele-counselling and online teaching amid Covid-19 coronavirus pandemic. AFP
A teacher sits in an empty classroom as he prepares for online teaching at a government high school in Hyderabad on September 21, 2020, after the state government allowed 50 percent of staff at schools and colleges to resume duties for tele-counselling and online teaching amid Covid-19 coronavirus pandemic. AFP

“I've seen that the teachers are making a lot of effort,” says her mother Hemali Shah, who is herself a teacher. “Still, I feel actual classes are better because of the personal touch.”

Ms Shah misses her friends and playing sports at school, but notes that virtual school has its advantages. “You can sit comfortably on your bed during virtual school,” she says.

Only a small minority can relate to her experience of education during lockdown in India. In rural areas, the challenges surrounding education are even more complicated because of limited access to the internet and patchy connectivity.

A few schools have found creative ways around this, with some broadcasting their classes over loudspeakers, while outdoor group classes have also been organised in some villages so that pupils can keep a safe distance while they learn.

Some state governments have organised lessons that are broadcast on dedicated channels on television.

“Every single educational institute in India is closed,” says Dhruv Sengar, the chief strategy officer at Lokarpan, a not-for-profit organisation in India. “Virtual classrooms is a reality that exists in the cities. It's not something that is easily accessible to villagers.”

Lokarpan is working with some rural schools in Uttar Pradesh in north India, providing laptops to children, and organising classes with top teachers across the country and abroad, in an effort to help them continue their studies.

But the quality of education is generally weaker in rural India to begin with, Mr Sengar explains, and the pandemic poses further challenges.

A recent survey by India's National Statistics Office reveals that only 15 per cent of kids in rural areas have access to the internet, compared to 42 per cent in urban areas.

Rustom Kerawalla, the chairman of Ampersand Group, a solutions provider for educational institutes, says that the impact of the pandemic has been “very disruptive” in India.

“The entire education system has suddenly had to move into the online space, and definitely we were not ready for it,” he says.

It is challenging in the short term, but in the long term, virtual learning could benefit poorer children too, he says.

“The silver lining is this will be a welcome change that was long overdue. The current pandemic has been a catalyst.”

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The main difference between blockchain and other forms of DLT is the way data is stored as ‘blocks’ – new transactions are added to the existing ‘chain’ of past transactions, hence the name ‘blockchain’. It is impossible to delete or modify information on the chain due to the replication of blocks across various locations.

Blockchain is mostly associated with cryptocurrency Bitcoin. Due to the inability to tamper with transactions, advocates say this makes the currency more secure and safer than traditional systems. It is maintained by a network of people referred to as ‘miners’, who receive rewards for solving complex mathematical equations that enable transactions to go through.

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Tributes from the UAE's personal finance community

• Sebastien Aguilar, who heads SimplyFI.org, a non-profit community where people learn to invest Bogleheads’ style

“It is thanks to Jack Bogle’s work that this community exists and thanks to his work that many investors now get the full benefits of long term, buy and hold stock market investing.

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• Sam Instone, director of financial advisory firm AES International

"Thought to have saved investors over a trillion dollars, Jack Bogle’s ideas truly changed the way the world invests. Shaped by his own personal experiences, his philosophy and basic rules for investors challenged the status quo of a self-interested global industry and eventually prevailed.  Loathed by many big companies and commission-driven salespeople, he has transformed the way well-informed investors and professional advisers make decisions."

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"Jack Bogle for me was a rebel, a revolutionary who changed the industry and gave the little guy like me, a chance. He was also a mentor who inspired me to take the leap and take control of my own finances."

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• Zach Holz, who blogs about financial independence at The Happiest Teacher

"Jack Bogle was one of the greatest forces for wealth democratisation the world has ever seen.  He allowed people a way to be free from the parasitical "financial advisers" whose only real concern are the fat fees they get from selling you over-complicated "products" that have caused millions of people all around the world real harm.”

• Tuan Phan, a board member of SimplyFI.org

"In an industry that’s synonymous with greed, Jack Bogle was a lone wolf, swimming against the tide. When others were incentivised to enrich themselves, he stood by the ‘fiduciary’ standard – something that is badly needed in the financial industry of the UAE."

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Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

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