True Story.... I sh1t you not...

[Times Roman]

Not too long ago, our DCOP at another project had to step in and council a fellow staff member. he was going to execute his wife and call it an honor killing, and the woman's brothers were in agreement. Apparently the couple had been married a year, and were having regular sex. He was 22 and she was 16. The issue is that after a year, she didn't bear him any children, and he "knew" she must be having sex with other men. The problem is that, as some of you may well know, men here learn sex from other men. So during this entire year, he was having anal sex with her, not knowing any different, and she wouldn't get pregnant.

Think about it.

[stack_it]

Really explains a lot about why there still a 3rd world country.

[Times Roman]

the bloke learnded sex from other blokes.... so they were having anal sex with each other. so he gets one of those prearranged marriages, and starts poking her in the butt... all he knows, right? the problem with his dumb asss is that he is also expecting her to get pregnant from anal sex.... no clue what a vagina is or does....

mind blowing!!!!

[stack_it]

Exactly my point. Maybe more of them will do this and they'll stop reproducing. Weed out the dumb ones.

[Times Roman]

we dump billions here and we are supposed to let them manage the money? really?

let them run the country? really? so honor killings are ok?

I don't know mate. I just don't know....

[stack_it]

I agree but what else can you really do. We will look like the bad guy.

[Times Roman]

right down the road from me is the formerly known as kabul bank.... some blokes took off with $800million dollars just a couple of months ago

that doesn't piss you off? who's money do you really think it was, anyways?

[stack_it]

$800mil? WTF....

[The Toad]

It sounds like an unbelievably disgusting place, I have a friend that has been there for a bout a year and he tells me the same stuff. Unbelievable!

[Times Roman]

well, I've only been here two months.

one of the good things I can say about this place is that what little education the children do receive isn't 100% religious dogma. they do teach a little about the 3R's.

[Times Roman]

$800mil? WTF....

Kabul Bank's loss is now put at $900 million

KABUL, Afghanistan -- Fraud and mismanagement at Afghanistan's largest bank have resulted in potential losses of as much as $900 million - three times previous estimates - heightening concerns that the bank could collapse and trigger a broad financial panic in Afghanistan, according to U.S., European and Afghan officials.

The extent of these losses make it clear that keeping the bank afloat - something the government has said it is determined to do - would require large infusions of cash from an already strained budget.

Banking specialists, businessmen and government officials now fear that word of Kabul Bank's troubles could even prompt a run on solvent banks, destroying the country's nascent banking system and shaking the confidence of Western donors who are already questioning the level of their commitment to Afghanistan.

The scandal has severe political and security implications. Investigators and Afghan businessmen believe that much of the money has gone into the pockets of a small group of privileged and politically connected Afghans, preventing earlier scrutiny of the bank's dealings.

The spotlight on how political and economic interests in Afghanistan are intertwined threatens to further undermine President Hamid Karzai's government. The bank is also the prime conduit to pay Afghan security forces, leaving the U.S. military, which pays the salaries, looking for new banks to process the $800 million payroll.

As Afghan regulators struggle to find out where the money went, many officials and international monitors concede that the missing millions may never be recovered, raising questions of how the losses could be replaced to keep the bank from failing.

Afghan officials and businessmen have said the money was invested in a real estate bubble that has since burst in Dubai, as well as in dubious projects and donations to politicians in Afghanistan. Millions of dollars have yet to be traced, and some of the money seems to have gone to front companies or individuals and then disappeared.

The Afghan Central Bank and American officials are conducting their own parallel investigations, but the problems are so serious that the International Monetary Fund has not yet renewed the assistance program to Afghanistan that expired in September, threatening an essential pillar of support to a government heavily reliant on international largess as it battles a nine-year insurgency.

Many donor countries may have to delay aid to Afghanistan because of their own requirements that money go only to countries with IMF programs in good standing, Western diplomats said.

Several officials described the bank as "too big to fail," referring to its role in paying the salaries of hundreds of thousands of government employees.

While Afghan and U.S. officials depict a crisis far worse than has been made public, State Department cables released by WikiLeaks show that Afghan and Western regulators were aware of many of the problems, but were most focused on the problem of terrorist financing, rather than the elaborate fraud scheme that was the main problem at Kabul Bank.

A stream of complaints about the bank's practices - many of them the problems that now threaten the bank's survival - are dutifully recorded in the cables, but diplomats, at least in 2009 and early 2010, seemed not to have realized the profound effect they could have on the financial system as a whole.

Although other banks here have had questionable loan practices, so far it is only Kabul Bank where what amounts to an enormous fraud scheme was conducted over a period of years and whose troubles are sending tremors through the Afghan business community and worrying Western donors.

Deloitte, a top U.S. accounting firm that had staffers in the Central Bank under a United States government contract over the last several years, either did not know or did not mention to American authorities that they had any inkling of serious irregularities at Kabul Bank. Deloitte was not responsible for auditing the bank's books; a spokesman for Deloitte did not respond to requests for comment.

In an interview this weekend, Mahmoud Karzai, Hamid Karzai's brother and a prominent investor in the Kabul Bank, said that the new president of Kabul Bank, Masood Musa Ghazi, told him in the last several days that there were approximately $800 million in loans still outstanding. These are potentially unrecoverable. Karzai said Ghazi told him that of that $800 million, the bank's new management has negotiated agreements for the repayment of about $300 million, but little has been repaid.

Ghazi was appointed after the Central Bank forced a change in the bank's management last fall.

Ghazi did not respond to phone calls or e-mails seeking comment, nor did anyone at Afghanistan's Central Bank.

Kabul Bank has extensive links to senior people in the Afghan government. In addition to Mahmoud Karzai, other shareholders included Haseen Fahim, the brother of the first vice president, and several associates of the family from the north of Afghanistan. Afghan officials said the bank poured millions into Hamid Karzai's election campaign.

It is the loans and personal grants made by the bank to powerful people, including ministers, which could prove the most explosive, Western and Afghan officials said. "If people who are thought to be clean and who were held up as ‘good' by Western countries suddenly are caught with their fingers in the till, it will cause questions from donors," said a Western official in Kabul. "They will say, ‘Why are we here?'"

Mahmoud Karzai said he believes that the bank's former chairman, Sherkhan Farnood, was responsible for the problems at the bank, saying that he often moved large amounts of money out of the bank on his own, with no oversight. Farnood could not be reached for comment on Sunday, and has declined to comment in the past. Karzai and Farnood were previously business partners, but had a falling-out over the operation of Kabul Bank.

While he was in charge, Farnood had total control over what loans were made and what money was moved out of Kabul Bank, Karzai said. He said he was told by the bank's managers that Farnood took about $98 million out of Kabul Bank to finance the purchase and subsequent operations of Pamir Airways, a small passenger airline that serves Afghanistan.

In a cable from Sept. 26, 2009, posted by WikiLeaks, U.S. diplomats said that competitor airlines complained that "Kabul Bank is using its deposit base to subsidize Pamir Air without its depositors' knowledge in an attempt to drive competitors out of business."

Karzai said that Farnood had been given space at Kabul Bank, where he was supposed to be helping the new management find the bank's missing money.

"I think the bank is working with him to figure out what happened to the money, because he knows whom he lent it to and he knows where it is," Karzai said. A spokeswoman for the U.S. Treasury Department in Washington declined to comment on the American inquiry.

"The situation of Kabul Bank is extremely serious," said a Western diplomat in Kabul. "What you can observe is that the loans were either to fictive operators who did not exist or they were for investments outside the country."

"Some were loans or personal grants to people linked to one shareholder or another shareholder," the diplomat said.

According to businessmen in Kabul, loans were made to people who were fronts for the real people getting the money. "Sometimes they would bring a loan document to someone who was a gardener or a cleaner and just ask them to sign it, and they would pay him 500 Afghanis and the person could not read or write more than his name," said a prominent businessman here with ties to the banking community.

"Then, when the new bank managers go to look for the money, they go to the gardener's house and they look around and they see there is nothing worth $100, and they have no idea where the money went."

Caitlin Hayden, a spokeswoman for the American Embassy in Kabul, said that officials were working closely with the Afghan government, the IMF and the World Bank. "Corrective action in response to any instance of abuse, poor banking practices or fraud is essential for public and international confidence in Afghan financial institutions and the development of Afghanistan's financial sector," she said.

In Lashkar Gah, the capital of Helmand province, a Kabul bank branch has been shut down for a week because employees transferred $1.3 million to Farnood, who was removed last fall for mismanagement. Several of the bank's employees have been detained, according to the employees who were reached in detention and to Hajji Tawab, the chief investigator for the Afghan attorney general's office in Helmand.

In Kabul, the Ministry of Finance is putting out bids for a new bank to pay the salaries of the security forces, which previously had been paid exclusively through Kabul Bank, according to Col. John Ferrari, the head of training programs for NATO's training mission here. Military officials say that none of the $800 million in payroll for the Afghan Army and police is missing. But concerns over the possibility that the bank could fail was one factor prompting the ministry to seek other banks to process payroll, Western officials said.

A WikiLeaks cable from last February suggested that payments were often delayed so the bank could make money on the overnight interest rates. In a Feb. 13, 2010, cable, Kabul Bank is described as "the least liquid bank operating in Afghanistan" and its difficulty in raising cash was so great that it took "more than two days to process withdrawals and has delayed paying government employee salaries by two weeks in order to place those funds in overnight accounts to collect interest."

[lovbyts]

The honor killing sounds like a good idea, as long as he puts a rope around his own neck and hang himself. I have heard some (I use the word lightly) interesting stories over the years from other people who have lived/worked there also.

One friends wife witnessed some unmentionable things going on pretty much in public at the hospital where she worked. When she told the her superior, the hospital superintendent he told her that no, she didnt see anything and that's just how it is and to never bring it up again....

[Times Roman]

my depth of experience over here is still pretty thin. Some of what I have seen is disturbing.

I think almost everyone back home would be disturbed as well.

These people are not at a very high level, and to think they can responsibly handle money, business, or government is asking more than they can probably handle.

To be honest, I find their entire business thought process lacking. We are more or less required to hire local afghans... there is a policy called "afghan first". The afghans we do hire most pretty much do nothing. The little bit we do ask they are very ill equipped. Additionally, they have a serious lack of ability to "connect the dots". For example... this just happened. My currency bill counter just died. So I had my assistant go down where we bought it, with the receipt, to exchange it. Now keep in mind payday is tomorrow (a minor one). And I'm going to pay out in cash. So he comes back with no machine, and no money. I ask him where my machine was. He said the owner of the store is going to fix it. When I say. Soon he says. Today? No sir! When? In a couple of days hopefully. Why didn't you just get a new one? Because the owner says he can fix it. (WTF?)

So now, when i run payroll tomorrow, I have to friggin count out all the cash by hand. The biggest bill I have is about 500AF, which is about $10USD.

He knew pay day was tomorrow. He didn't connect the dots, realizing that without the machine, payroll just became a bich. Nor did he call me saying there was a problem with the mission. The mission was to come back with a machine that worked. Now it's 3pm, and traffic is a serious bich, which means it is too late in the day to go again.

I get this all the time, every day.

In fact, this apparent lack of ability to connect the dots is common place.

[lovbyts]

my depth of experience over here is still pretty thin. Some of what I have seen is disturbing.

I think almost everyone back home would be disturbed as well.

These people are not at a very high level, and to think they can responsibly handle money, business, or government is asking more than they can probably handle.

To be honest, I find their entire business thought process lacking. We are more or less required to hire local afghans... there is a policy called "afghan first". The afghans we do hire most pretty much do nothing. The little bit we do ask they are very ill equipped. Additionally, they have a serious lack of ability to "connect the dots". For example... this just happened. My currency bill counter just died. So I had my assistant go down where we bought it, with the receipt, to exchange it. Now keep in mind payday is tomorrow (a minor one). And I'm going to pay out in cash. So he comes back with no machine, and no money. I ask him where my machine was. He said the owner of the store is going to fix it. When I say. Soon he says. Today? No sir! When? In a couple of days hopefully. Why didn't you just get a new one? Because the owner says he can fix it. (WTF?)

So now, when i run payroll tomorrow, I have to friggin count out all the cash by hand. The biggest bill I have is about 500AF, which is about $10USD.

He knew pay day was tomorrow. He didn't connect the dots, realizing that without the machine, payroll just became a bich. Nor did he call me saying there was a problem with the mission. The mission was to come back with a machine that worked. Now it's 3pm, and traffic is a serious bich, which means it is too late in the day to go again.

I get this all the time, every day.

In fact, this apparent lack of ability to connect the dots is common place.

Easy fix and it's how most people/animals learn. Make it matter to him. Let him know that WHEN you get the counter back in perfect working condition or a New one that is when Payday will be. I bet he will learn quickly.

[Times Roman]

so every one else has to pay cuz he couldn't connect the dots? hmmmm..... I don thin so Lucy

but I understand your point.

Here's the problem, and I'm being very serious. it takes much more work having them around, than if they weren't here.... with the exception of one or two.

Most if not all the expats here on this project would probably agree with that statement.

Here's another thing to consider... these people totally think that the next life is going to be infinitaley better than this one. Some of them just seem like they are going through the motions, but since the next life will be so much better, they aint really too worried about this one other than some of the very basic stuff, like survival, food, security..... I think they are slowly coming around, but the payoff won't be this generation, it will be the next.

There is an attitude, and a saying here.. loosely translated it means "God Willing". I hear it all the time. The context in which it is used is usually when you ask them to do something, god willing, it will get done. It also means they do not take ultimate responsibility for success or failure, since that is up to god. So if something fails, it's no big deal since it was god's decision, and who can argue with that?

[lovbyts]

Yes I understand what you are saying and although the other people should not be penalized for his stupidity at the same time it sounds like maybe they should. You can also just tell them dont worry, they will get paid because the machine will be fixed quickly. God Willing. hahahahaha Funny how the reverse psychology doesn't jive when so well when it directly effects them.

Unfortunately I also understand what you are saying in regards to their believe system and nothing in this life really seems to matter, not even other human life unless it's something that will bring them some time of extra benefits in the NEXT life. That's where the changes need to start, that GOOD deeds will be blessed. You get one or two extra virgins, bigger house or???