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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MATCH INFO

Uefa Champions League, Group C
Liverpool v Red Star Belgrade
Anfield, Liverpool
Wednesday, 11pm (UAE)

Why it pays to compare

A comparison of sending Dh20,000 from the UAE using two different routes at the same time - the first direct from a UAE bank to a bank in Germany, and the second from the same UAE bank via an online platform to Germany - found key differences in cost and speed. The transfers were both initiated on January 30.

Route 1: bank transfer

The UAE bank charged Dh152.25 for the Dh20,000 transfer. On top of that, their exchange rate margin added a difference of around Dh415, compared with the mid-market rate.

Total cost: Dh567.25 - around 2.9 per cent of the total amount

Total received: €4,670.30 

Route 2: online platform

The UAE bank’s charge for sending Dh20,000 to a UK dirham-denominated account was Dh2.10. The exchange rate margin cost was Dh60, plus a Dh12 fee.

Total cost: Dh74.10, around 0.4 per cent of the transaction

Total received: €4,756

The UAE bank transfer was far quicker – around two to three working days, while the online platform took around four to five days, but was considerably cheaper. In the online platform transfer, the funds were also exposed to currency risk during the period it took for them to arrive.

The National Archives, Abu Dhabi

Founded over 50 years ago, the National Archives collects valuable historical material relating to the UAE, and is the oldest and richest archive relating to the Arabian Gulf.

Much of the material can be viewed on line at the Arabian Gulf Digital Archive - https://www.agda.ae/en

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Starring Dean-Charles Chapman, George MacKay, Daniel Mays

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Islamophobia definition

A widely accepted definition was made by the All Party Parliamentary Group on British Muslims in 2019: “Islamophobia is rooted in racism and is a type of racism that targets expressions of Muslimness or perceived Muslimness.” It further defines it as “inciting hatred or violence against Muslims”.

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Director:Guillermo del Toro

Stars:Bradley Cooper, Cate Blanchett, Rooney Mara

Rating: 3/5

Ten tax points to be aware of in 2026

1. Domestic VAT refund amendments: request your refund within five years

If a business does not apply for the refund on time, they lose their credit.

2. E-invoicing in the UAE

Businesses should continue preparing for the implementation of e-invoicing in the UAE, with 2026 a preparation and transition period ahead of phased mandatory adoption. 

3. More tax audits

Tax authorities are increasingly using data already available across multiple filings to identify audit risks. 

4. More beneficial VAT and excise tax penalty regime

Tax disputes are expected to become more frequent and more structured, with clearer administrative objection and appeal processes. The UAE has adopted a new penalty regime for VAT and excise disputes, which now mirrors the penalty regime for corporate tax.

5. Greater emphasis on statutory audit

There is a greater need for the accuracy of financial statements. The International Financial Reporting Standards standards need to be strictly adhered to and, as a result, the quality of the audits will need to increase.

6. Further transfer pricing enforcement

Transfer pricing enforcement, which refers to the practice of establishing prices for internal transactions between related entities, is expected to broaden in scope. The UAE will shortly open the possibility to negotiate advance pricing agreements, or essentially rulings for transfer pricing purposes. 

7. Limited time periods for audits

Recent amendments also introduce a default five-year limitation period for tax audits and assessments, subject to specific statutory exceptions. While the standard audit and assessment period is five years, this may be extended to up to 15 years in cases involving fraud or tax evasion. 

8. Pillar 2 implementation 

Many multinational groups will begin to feel the practical effect of the Domestic Minimum Top-Up Tax (DMTT), the UAE's implementation of the OECD’s global minimum tax under Pillar 2. While the rules apply for financial years starting on or after January 1, 2025, it is 2026 that marks the transition to an operational phase.

9. Reduced compliance obligations for imported goods and services

Businesses that apply the reverse-charge mechanism for VAT purposes in the UAE may benefit from reduced compliance obligations. 

10. Substance and CbC reporting focus

Tax authorities are expected to continue strengthening the enforcement of economic substance and Country-by-Country (CbC) reporting frameworks. In the UAE, these regimes are increasingly being used as risk-assessment tools, providing tax authorities with a comprehensive view of multinational groups’ global footprints and enabling them to assess whether profits are aligned with real economic activity. 

Contributed by Thomas Vanhee and Hend Rashwan, Aurifer

Benefits of first-time home buyers' scheme
  • Priority access to new homes from participating developers
  • Discounts on sales price of off-plan units
  • Flexible payment plans from developers
  • Mortgages with better interest rates, faster approval times and reduced fees
  • DLD registration fee can be paid through banks or credit cards at zero interest rates
The specs: 2018 Nissan 370Z Nismo

The specs: 2018 Nissan 370Z Nismo
Price, base / as tested: Dh182,178
Engine: 3.7-litre V6
Power: 350hp @ 7,400rpm
Torque: 374Nm @ 5,200rpm
Transmission: Seven-speed automatic
​​​​​​​Fuel consumption, combined: 10.5L / 100km

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

Classification of skills

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. 

Skewed figures

In the village of Mevagissey in southwest England the housing stock has doubled in the last century while the number of residents is half the historic high. The village's Neighbourhood Development Plan states that 26% of homes are holiday retreats. Prices are high, averaging around £300,000, £50,000 more than the Cornish average of £250,000. The local average wage is £15,458. 

The Pope's itinerary

Sunday, February 3, 2019 - Rome to Abu Dhabi
1pm: departure by plane from Rome / Fiumicino to Abu Dhabi
10pm: arrival at Abu Dhabi Presidential Airport


Monday, February 4
12pm: welcome ceremony at the main entrance of the Presidential Palace
12.20pm: visit Abu Dhabi Crown Prince at Presidential Palace
5pm: private meeting with Muslim Council of Elders at Sheikh Zayed Grand Mosque
6.10pm: Inter-religious in the Founder's Memorial


Tuesday, February 5 - Abu Dhabi to Rome
9.15am: private visit to undisclosed cathedral
10.30am: public mass at Zayed Sports City – with a homily by Pope Francis
12.40pm: farewell at Abu Dhabi Presidential Airport
1pm: departure by plane to Rome
5pm: arrival at the Rome / Ciampino International Airport