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Bulletin 24: The foreign worker dilemma

by Johannes Loh, 3 days, 23 hrs ago

In the last decade, much of Southeast Asia has witnessed tremendous economic growth, often concentrated in the major cities. This economic success can be seen in flashy new business districts, towering skyscrapers and gleaming condominiums. To realize these massive developments and to maximise profits, businesses turned to cheap migrant labour.

Jobs in so called 3-D’s industries (Dirty, Dangerous, Degrading) in the more prosperous counties in Southeast Asia have seen labour shortages due to dwindling numbers of native workers willing to take on these challenging assignments.

ATM 24 cover Bulletin 24: The foreign worker dilemma picture

This business model is not new; however, in the last decade the number of foreign workers has shot up in an attempt to fill such labour shortages and keep up impressive GDP growth. A major pull factor for migrant workers is the wage discrepancy between lowskill jobs in their home countries vis-a-vis the booming economies in the region.

Download ATM Bulletin #24 (Screen)

The High Resolution Version (for Print)

These unprecedented inflows of foreign labour have brought the question of social and economic policies regulating working conditions and safeguarding migrant workers’ rights on the political agenda in Southeast Asia’s booming economies.

This Asian Trends Monitoring Bulletin takes a closer look at the situation of migrant workers in Thailand and Singapore, with a specific emphasis on one of the most common professions among migrants: construction.

Bulletin 23: A storm is brewing… Is Asia ready?

by Johannes Loh, 1 month, 3 weeks ago

Southeast Asia is highly vulnerable to the effects of climate change, it is located at the edge of a massive landmass in between large oceans; and over 50% of the population still depends on climate sensitive sectors such as agriculture. The effects are already being felt; typhoons in the Philippines are now four times more frequent, sea levels are rising and floods are one of the top concerns for cities in the region.

ATM Bulletin 23 805x1024 Bulletin 23: A storm is brewing... Is Asia ready? picture

How is a region that is undergoing rapid urbanization while being home to 60% of the world’s indigenous people adapting to climate change? Successful adaptation strategies have a multidimensional approach: institutions, infrastructure and community should all be considered for building true resilience.

Nonetheless, a multidimensional strategy requires significant resources and coordination; as it is shown in this bulletin, such strategies are still not the norm.

Download ATM Bulletin 23 (4.1 MB)

Or get the High resolution 19.2 MB for print.



What’s inside Bulletin #23?

  • Overview of Climate Change in Southeast Asia
  • Fighting against the forces of nature?
  • The Storm is coming: Adaptation Trends in Southeast Asia
  • Adapt or Drown!
  • Navigating the urban hierarchy

Bulletin 22: Urban Poverty and Health in Asia

by Johannes Loh, 5 months, 1 week ago

ATM Bulletin 22 preview 300x206 Bulletin 22: Urban Poverty and Health in Asia picturePublic health in urban areas has been and will continue to be affected by global population trends. More than 50% of Southeast Asia’s total population is projected to be living in urban areas by 2025, which will exert additional pressure on urban health systems.

In general, public resources can be concentrated at lower cost in cities, which is effective in public health interventions through basic primary health care like immunization, clean water and waste disposal.

However, as this bulletin will demonstrate, these improvements in public health are not equitably accessible to all parts of society. Even major cities in the region such as Jakarta and Manila have large slums that are deprived of healthy living conditions. Not only are health centres difficult to access, the most basic amenities such as sanitation and piped water are also scarce.

Download ATM Bulletin 22 (3.4 MB) (right click save as… High resolution 16.7 MB)


What’s inside Bulletin #22?

  • Urban Poverty and Health in Asia
  • Protecting the health of Asia’s Urban Poor
  • Healthcare-seeking behaviour in slums
  • The unhealthy impacts of poor water and sanitation
  • Unregistered and excluded: the government healthcare problem

Bulletin 21: Financial Inclusion for Asia’s Poor

by Johannes Loh, 7 months, 1 week ago
ATM 21 Cover preview Bulletin 21: Financial Inclusion for Asias Poor picture

Click on the image to download the full Bulletin (PDF)

One look at Asia’s skylines and the casual observer gets the impression that Asia is truly rising. The top ten financial centres in Singapore, Hong Kong, Tokyo, Shanghai and Taipei, followed by Kuala Lumpur, Mumbai, Bangkok, Beijing and Seoul tell a story of rapid growth and new wealth. However, with 1.5 billion people without access to conventional financial services, Asia is also home to the majority of the world’s unbanked.

In the East Asia and Pacific region alone, 55% of the population is unbanked. It is estimated that the total number of people without access to banking services is between 2.2 and 2.5 billion people.

Download ATM Bulletin 21 (2.8 MB) (right click save as… High resolution 16.7 MB)


 What’s inside Bulletin #21?

  • A moral imperative for action
  • Evidence from the ATM survey on urban poverty
  • Facilitating finance in slums
  • Destitute poverty: the final financial frontier
  • Outlook: the future of financial inclusion

Sneak peek of ATM Bulletin #21 on Financial Inclusion

by Johannes Loh, 7 months, 1 week ago

The next Asian Trends Monitoring Bulletin will be released on Monday, September 16th. We show you a preview of some of the data and survey findings that will be published in Bulletin #21:

Financial inclusion findings2 Sneak peek of ATM Bulletin #21 on Financial Inclusion picture

Financial inclusion findings1 Sneak peek of ATM Bulletin #21 on Financial Inclusion picture


We are looking forward to your feedback on ATM Bulletin #21: Financial Inclusion for Asia’s Poor on Monday.

Financial services in slums?

by Johannes Loh, 8 months, 1 week ago

Providing reliable financial services in slums has its complications. Slums present a challenging environment for financial services, which traditionally ensure regular repayment through securing collateral and knowing their clients’ exact residences. Most slum dwellers are rural-urban migrants with informal jobs, highly fluctuating incomes and little stability in their lives. Often, they do not own any substantial assets to use as collateral. They are also more anonymous, as slums do not have conventional “addresses” and changes of residence can happen overnight.

It is easy to see why microfinance providers struggle to enter this high-risk market with services that are affordable for the poorest of the poor. Asymmetric information problems make it more difficult to identify the right clients. Secondly, the costs of attracting and retaining staff in urban environments are higher, pushing up the final costs of the financial services offered to the urban poor. The end result is that MFIs often cannot serve the bottom of the pyramid. Nevertheless, some organizations are specifically targeting the poorest of the poor.

Tondo houses Manila 1024x768 Financial services in slums? picture

A slum in Manila’s harbour area

Bulletin 20: Educating the Urban Poor

by Johannes Loh, 8 months, 3 weeks ago
ATM 20 cover preview Bulletin 20: Educating the Urban Poor picture

Bulletin 20: Educating the Urban Poor

Education is a vital tool for breaking the vicious cycle of poverty. Indeed, it is often claimed that educated children will be able to earn more money in the long run, eventually lifting the entire family out of poverty. This, in turn, leads to the future generations being better educated and able to enhance the financial well-being of families and communities. However, reality is rarely that simple. A 2006 OECD report on education notes that economic and social disadvantages are equally important elements to consider as they can severely hamper the educational experience of learners. While social disadvantages influence test scores and educational achievements in the developed world, in the developing countries of Southeast Asia, economic and social disadvantages are severe impediments to even accessing and attending school.

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Read it online 

Despite efforts by nearly all governments across Southeast Asia to provide access to free education until secondary level, there remain several stumbling blocks that lead to low enrollment rates and unsatisfactory educational outcomes. For example, there are often additional costs beyond the tuition expenses, including the opportunity cost of foregone income from the child working to support a parents business or engage in independent economic activity. Poor service delivery represents another problem, where subsidies and other forms of assistance do not reach the poorest households.

Fair credit for street vendors in Laos

by Johannes Loh, 9 months, 1 week ago

Sonxai’s business is located in the heart of Vientiane. She sells bird eggs, a local delicacy, from a street stall. The eggs are weighed and packed into simple plastic bags. The clients do not mind the raw presentation, and simply look for good taste.

Bird Egg seller 1024x747 Fair credit for street vendors in Laos picture

The small business grew quickly after access to fair microloans

When her mother got older, Sonxai was asked to stay home and take care of her. The street shop is close to the house and allows her to earn an income while taking care of her mother. Sonxai’s aunt is a bird farmer – that is how the business idea of selling bird eggs came about. After initial success with small amounts of eggs, Sonxai realized that the business had potential. All she needed was a small loan to increase stocks and hence her sales volume. Her profits were too small to apply for a loan from a commercial bank and thus, she took loans from a money lender. At 12% monthly interest much of her profit went into loan repayment. One day she saw a leaflet by EMI (a local microfinance provider) and made an appointment. Her first loan of US$ 250 helped her to scale the business. “Now, I can earn up to US 30$ a day” she says.

Mobile-only savings for the Poor

by Johannes Loh, 9 months, 3 weeks ago

Inspired by the success and convenience of Safaricom’s mobile payment service M-PESA, a new company called Mobile Venture Kenya Ltd. recognised an opportunity to test a flexible savings product through mobile channels targeted at the poorest.

The pilot project was called Jipange Kusave (in Swahili “to organize oneself to save). Clients would receive interest free loans for a small administrative fee and all payments would be made directly through M-PESA. A small part of each loan was retained as savings. This setup meant that there were no field collectors, lower costs, but also increased risk of default. Despite the minimization of human interaction, the initial recruitment and registrations were conducted in person. The higher risk required a good screening process to avoid clients with higher likelihood to default.

Asian Trends Monitoring Bulletin Library 2013

by Johannes Loh, 9 months, 3 weeks ago