For Meena Chaudhary, this year will mark not only her sixth wedding anniversary, but also five years since her newborn baby died in the delivery room.
Now in her early twenties, Chaudhary was married at 15 and pregnant by the following year, but a complicated antenatal period coupled with a lack of adequate health care in Nihalpur, her village in western Nepal, meant this young adult's life had already been tainted with almost unspeakable grief before her teenage years were out.
"We didn't even know what marriage was," said Chaudhary's husband Ramesh, who is a few months younger than her, as both of them sat outside their single-room mud-built house. "We didn't know what we were doing."
Chaudhary's story paints a stark picture of conservative Nepal, a country of 29 million people, where traditional customs remain deeply rooted.
According to the latest government report published by the Central Child Welfare Board under Nepal's Ministry of Women, Children and Social Welfare, 34 per cent of all new marriages in Nepal involve children under the age of 15. Yet, according to Nepali law, marriages involving those under the age of 18 are deemed to be "child marriages" and are illegal.
But in some communities, especially in the south of the country, these numbers are even higher, according to Kirti Thapa, who works at Nepal's Save the Children child protection department.
"The rate of marriage for people under the age of 15 is more than 50 per cent in some communities," Thapa said.
The wedding ceremony itself is considered to be one of the most important rituals in Nepal. It's a social service that holds religious connotations. Folklore would have it that weddings are made in heaven.
"People don't want to interfere and obstruct something good," said Rambhajan Yadav, who has been working in advocacy projects against child marriage in Janakpur, a town south-east of the capital Kathmandu.
Yadav has also travelled extensively and worked in districts like Dhanusha, Mahottari and Rupandehi in Nepal's southern belt, where there is a high rate of child marriage. The statistics from the area, according to Yadav's estimates, are alarming.
"In Rupandehi, 89.5 per cent of girls are still married young, mostly under 18," he said. "The figures in Dhanusha stand at 59 per cent and Mahottari at 51 per cent."
Lack of awareness of the laws, social pressure and the low economic status of the family drive these statistics, Yadav said. In certain communities, the amount of dowry that is due increases in proportion with the girl's age, making parents give away their daughters as early as they reasonably can.
A recent report by Care Nepal, an international non-government organisation, states that more than 72 per cent of families cited poverty as the prime reason for allowing their daughters to marry young. The World Bank index reveals that 55.1 per cent of Nepal's population lives on under Dh5 per day.
But child marriages aren't the only problems of rural Nepal.
Ambika Pradhan, born and brought up in Kathmandu, was married when she was 15. Her family had started looking for a suitable groom two years earlier.
A conservative family, Pradhan's parents did not think it was necessary for their daughter to finish her education once they had found her a husband. Indeed, after she married, she stopped studying.
Experts working in the field of child rights see this as one of the key factors that exclude girls from education.
The adult literacy rate in Nepal for men is 71.6 per cent and 44.5 per cent for women. According to the Education for All Global Monitoring Report 2011, of the 7.6 million adult illiterates in Nepal, 67 per cent are female.
Pradhan, who is now 35, also talked about the health problems she faced when she delivered her first child at 16.
"I wasn't aware or prepared for anything," she said of the repercussions of marrying young. "I went through physical and mental problems."
Giving birth at an early age, and after more than 24 hours in labour, Chaudhary lived with a medical condition called fistula for five years which, until corrected, left her isolated from the community.
Goma Dahal, a counsellor for Women's Rehabilitation Centre, a non-profit organisation based in Kathmandu, said that early marriage combined with lack of basic health care results in various complications for women.
In an effort to empower and educate women, Dahal travels to different parts of Nepal. So far she has travelled to more than 50 of Nepal's 75 districts.
A landlocked country crushed by a decade-long insurgency that ended in 2006, Nepal is still in a transitional phase. The new republic is struggling to draft the country's new constitution, which is due on May 27.
But even now that Nepalis are speaking about change and human rights and the concept of a "new Nepal" is emerging, the practices of the past still exist.
Regardless of the various laws that Nepal has against child marriage, child rights experts like Thapa said there is a setback when it comes to implementation.
Laxmi Prasad Tripathi, under-secretary at Nepal's Ministry of Women, Children and Social Welfare, said that the ministry cannot directly intervene in this issue.
"It's a legal matter and the law enforcement division is responsible for handling the cases," he said.
However, the problem is that people do not report these cases: marriages are community ceremonies and reporting them could not only jeopardise the bride's future but also strain village harmony. According to Save the Children's annual report in 2010, only 30 cases of child marriage were reported in seven districts, a rather insignificant number regionally and nationally.
In some cases, Thapa said that the local law enforcement officials in the region are not aware of the laws.
Also, there are instances when it becomes difficult to ascertain proper documentation as birth and marriages are rarely registered in the villages.
Yadav said the state should be more proactive and criticised the law for being inactive. Though he admitted that child marriage is not specifically addressed in the government's programmes, Tripathi added that a new national policy for children is being drafted and there will soon be a special provision on child marriage.
While this is being done, non-profit organisations as well as local government regulators such as the District Child Welfare Board and the Village Child Protection Committee have stepped up to raise awareness on child marriage.Women like Pradhan, married at an early age, are also talking about the issue in their communities. Pradhan, who now works as a radio presenter at one of the FM stations in Kathmandu, said she raises the issues and discusses on her radio shows time and again.
But while everything is being said and a little done, thousands of girls are still getting married young in remote Nepal where women's rights, health and education are unheard of.
"The customs still exist in our society, and we need to raise our voice against it," Pradhan said.
Bibek Bhandari is a freelance journalist based in London.
Company Profile
Name: JustClean
Based: Kuwait with offices in other GCC countries
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Ms Yang's top tips for parents new to the UAE
- Join parent networks
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UAE-based players
Goodlands Riders: Jamshaid Butt, Ali Abid, JD Mahesh, Vibhor Shahi, Faizan Asif, Nadeem Rahim
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THE SIXTH SENSE
Starring: Bruce Willis, Toni Collette, Hayley Joel Osment
Director: M. Night Shyamalan
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In numbers: PKK’s money network in Europe
Germany: PKK collectors typically bring in $18 million in cash a year – amount has trebled since 2010
Revolutionary tax: Investigators say about $2 million a year raised from ‘tax collection’ around Marseille
Extortion: Gunman convicted in 2023 of demanding $10,000 from Kurdish businessman in Stockholm
Drug trade: PKK income claimed by Turkish anti-drugs force in 2024 to be as high as $500 million a year
Denmark: PKK one of two terrorist groups along with Iranian separatists ASMLA to raise “two-digit million amounts”
Contributions: Hundreds of euros expected from typical Kurdish families and thousands from business owners
TV channel: Kurdish Roj TV accounts frozen and went bankrupt after Denmark fined it more than $1 million over PKK links in 2013
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.”
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The biog
Name: Timothy Husband
Nationality: New Zealand
Education: Degree in zoology at The University of Sydney
Favourite book: Lemurs of Madagascar by Russell A Mittermeier
Favourite music: Billy Joel
Weekends and holidays: Talking about animals or visiting his farm in Australia