Climate change 'may force hundreds of millions from their homes by 2050'


  • English
  • Arabic

Rising global temperatures could displace up to 216 million people over the next 30 years and in some countries climate migration has already begun.

An annual report issued by the UN refugee agency on Thursday, titled Global Trends: Forced Displacement in 2021, presented an uncertain future for a world already dealing with about 100 million people displaced by persecution, conflict, violence or “events seriously disturbing public order” to date.

Last year, about 23 million people were displaced in their own countries because of extreme weather such as floods, wildfires and droughts, the Internal Displacement Monitoring Centre said.

Firas Al-Khateeb, spokesman for UNHCR Iraq, told The National that climate change is affecting people worldwide.

"The Middle East is particularly affected by rising temperatures and record low rainfall that is driving desertification and putting millions at risk of losing access to water and food. Coupled with armed conflicts and poverty, it drives people to move from arid rural areas to urban centres," said Mr Al-Khateeb.

While unpredictable weather events, such as storms and fires, have great immediate effect on a population, the people they displace seldom leave their country, or they return within a few months.

Greater long-term effects on populations will come from slow-onset events, such as drought and changes in rainfall patterns that affect agriculture over time.

A drop in crop yields could prompt more permanent or long-term population changes, as people seek a more stable life. This is of particular concern in more developing countries.

Climate change may also eventually lead to conflict as countries compete for land and water resources.

“These risks are especially great in countries with weak governance and infrastructure and/or insufficient resources,” the UNHCR report read.

Recent climate change effects in Middle East

Climate change has already begun taking its toll on people in the Middle East.

Since January, some countries have experienced extreme changes in temperatures, as well as severe sandstorms and drought.

In some cases, these weather events have threatened the livelihood of internally displaced people (IDPs), who have previously escaped conflict only to meet new challenges.

The winter months proved deadly for refugees in Syria and Yemen, where women and children died because of extreme cold and poor living conditions at camps. The snow also killed livestock in Yemen, leaving farmers without a source of income.

At present, Iraq is facing an environmental crisis, with acute water shortages and climate change affecting food security and the daily life of Iraqis, adding to the nation’s endemic woes.

Climate change and drought, combined with reduced flow of water from the Tigris and Euphrates rivers, have exacerbated difficult living conditions and prompted dust storms that lasted days in recent weeks.

About 90 per cent of the water feeding the Tigris and Euphrates originates in Turkey or Iran. The two countries, which are facing their own recent water crises, have built dams and diverted water away from the rivers.

The drought is contributing to the desertification of Iraq as the country continues to lose agricultural and rural land.

"Iraq is ranked as one of the five nations most vulnerable to climate change and desertification," said Mr Al-Khateeb.

"The negative impact on agriculture production means that many who were displaced by the violence triggered by ISIS have difficulties returning to their home communities, as they cannot resume their livelihoods."

He said one in six Iraqi families displaced by ISIS had not yet returned to their home and such a move would depend on their access to basic services as well as an opportunity to make a living.

"Over 25 per cent of those displaced by ISIS used to work in agriculture before being displaced. Among those who have now returned, only two per cent of them still make a living off agriculture. A less productive agricultural sector also makes it harder to integrate Syrian and other refugees living in Iraq, potentially depriving them of a source of livelihood," said Mr Al-Khateeb.

Iraqi farmers, whose livelihoods depend on growing crops, raising animals or fishing, have been struggling with scarcity of water ― and rising salinity in soil and water ― as a result of consecutive heatwaves during the summer, when temperatures have reached about 50°C for days.

The UN report stressed that rain-fed agriculture in the Middle East and North Africa is likely to be particularly affected in future.

Water scarcity is expected to further strain governments already struggling with limited resources and housing a significant number of IDPs.

About 40 per cent of refugees and asylum seekers were hosted in countries with food crises by the end of 2021.

"If this trend continues and agricultural areas, are severely affected, eventually water scarcity will cause people to move in search of water resources and livelihoods as agriculture will not be profitable any more," said Mr Al-Khateeb.

Challenges of quantifying devastation

Climate change and forced displacement are immediate challenges the world faces with long-term repercussions.

Yet challenges remain when it comes to measuring and predicting their effects, because of the lack of commonly accepted statistics on displacement in the context of climate change.

As climate change is rarely the sole factor, rather a contributing or exacerbating factor in migration and conflict, the link between the two cannot be measured directly.

“Simply put, what is not defined cannot be quantified, and what cannot be quantified cannot be predicted,” the UN report read.

COMPANY PROFILE

Name: Qyubic
Started: October 2023
Founder: Namrata Raina
Based: Dubai
Sector: E-commerce
Current number of staff: 10
Investment stage: Pre-seed
Initial investment: Undisclosed 

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.

Brief scoreline:

Manchester United 2

Rashford 28', Martial 72'

Watford 1

Doucoure 90'

Real estate tokenisation project

Dubai launched the pilot phase of its real estate tokenisation project last month.

The initiative focuses on converting real estate assets into digital tokens recorded on blockchain technology and helps in streamlining the process of buying, selling and investing, the Dubai Land Department said.

Dubai’s real estate tokenisation market is projected to reach Dh60 billion ($16.33 billion) by 2033, representing 7 per cent of the emirate’s total property transactions, according to the DLD.

KEY HIGHLIGHTS

Healthcare spending to double to $2.2 trillion rupees

Launched a 641billion-rupee federal health scheme

Allotted 200 billion rupees for the recapitalisation of state-run banks

Around 1.75 trillion rupees allotted for privatisation and stake sales in state-owned assets

White hydrogen: Naturally occurring hydrogenChromite: Hard, metallic mineral containing iron oxide and chromium oxideUltramafic rocks: Dark-coloured rocks rich in magnesium or iron with very low silica contentOphiolite: A section of the earth’s crust, which is oceanic in nature that has since been uplifted and exposed on landOlivine: A commonly occurring magnesium iron silicate mineral that derives its name for its olive-green yellow-green colour

THREE
%3Cp%3EDirector%3A%20Nayla%20Al%20Khaja%3C%2Fp%3E%0A%3Cp%3EStarring%3A%20Jefferson%20Hall%2C%20Faten%20Ahmed%2C%20Noura%20Alabed%2C%20Saud%20Alzarooni%3C%2Fp%3E%0A%3Cp%3ERating%3A%203.5%2F5%3C%2Fp%3E%0A
While you're here
UAE currency: the story behind the money in your pockets
UAE currency: the story behind the money in your pockets
Updated: June 16, 2022, 10:38 AM