Surrogacy – A Boon for Working Women?

A surrogate mother and delivery of a child costs approximately US$12,000 (Rs 720,000) in India. A mid-level female professional’s annual salary is more than twice this amount. Add to it the salary loss a female has post-delivery is she takes a break. Then consider the opportunity loss she suffers for the year she is pregnant and post-delivery, and the long-term impact on her career. The idea of surrogacy appears cost-effective.

If profit and loss analysis is done, surrogacy is the best option for working women. However, not all decisions can be based on money alone. So let us talk about the ethical, emotional, and social dilemmas of surrogacy. Maybe then surrogacy doesn’t sound like that great an option.

1)     Surrogate Mother’s Perspective

In India poor women who have one to two children opt for becoming surrogate mothers. They earn Rs 500,000 to Rs 600,000, which is equivalent to 8-10 years of their salary. The reason they consider this venture is that they can provide for their own children. For them it is good money since they do not have any other viable and legal means to earn a similar amount. It is a way out of extreme poverty.

However, in most of the clinics, surrogate mothers stay at a special accommodation and are provided food, lodging and medical facilities. They are allowed to meet their own family but not stay with them to reduce risks. Hence, the children of the surrogate mother suffer separation and lack of motherly care for 9 months of delivery time. They are forced to make that sacrifice, as their parents are concerned about their future. Is it right for the society and parents to ask children to make this sacrifice for their future?

The next issue is that the surrogate mother goes through a cesarean operation to deliver. She is taking all the delivery risks and health risks to deliver a child of an unknown couple. She carries the child within her womb for nine months and then hands it over to strangers. Doesn’t this amount to exploitation due to poverty?

2)     Child’s Perspective

unborn babyAs such a child has no say in how it is conceived. However, a question needs to be asked to child born from surrogacy – would they have preferred natural birth?

According to medical studies, a child recognizes the voice of the mother from the womb. It also develops physically according to the food provided and psychological stress of the mother. A study showed that the children born to mothers pregnant during the Dutch famine in 1944 ( known as Hunger Winter) developed health problems later in life because they survived on scarcity in the womb. Their bodies developed physically to survive on scarcity. Later on in life when there was abundant food supply their bodies couldn’t adjust.

Considering this, the child will develop physically and psychologically according to the stress and health levels of the surrogate mother. It will get attached and look for security in the voice of the surrogate mother. It will want milk from the surrogate mother.

As a society we are concerned when mothers abandon their children. However, in surrogacy, a child faces physical and psychological separation from the surrogate mother on the day it is born. A study shows that children born through surrogacy face higher level of depression and suffer from emotional issues. Hence, the question is – will they face lifetime abandonment issues due to surrogate birth.

3)     Adoptive /Genetic Mother’s Perspective

A professional women’s biggest dilemma is to have a child or not. If she does, she has to sacrifice her career, if she doesn’t she has to sacrifice her basic need of feminine fulfillment. While a man is not  questioned about his professional competence after becoming a father, a woman has to face doubtful superiors till her child becomes an adult.

The modern day medical science has provided her with an option to go for surrogacy. Nevertheless, will these nine months really have a long-term impact on her profession when she will be questioned every time she asks for leave because her child is sick.

Is it ethical for organizations and society to expect a woman to make a choice between professional success and personal happiness? When professional women talk about guilt of leaving the child home, won’t she feel guiltier on not having her child biologically?

Moreover, will she be able to form a strong relationship with her child born from surrogacy? Will the relationship be that of a mother and adopted child? What will be the long-term psychological and emotional impact on the mother when a child withdraws from her or she feels guilty because she didn’t physically bear the child.

The situation is different if the mother suffers from health issues and there is risk to her child or herself. Then she is fulfilling a dream through someone because she herself is incapable. However, when she is physically fit, the issue takes different proportions.

4)     Biological Father’s Perspective

A man’s biggest psychological insecurity is that he doesn’t know whether the woman is carrying his child or has he been fooled. Before DNA tests, men compensated this insecurity by falling in love, getting married and demanding fidelity from the mother of their child. The social norms were geared to ensure that a man doesn’t bring up a child, which is not his.

To this day, men are willing to sacrifice much for the mother of their children. Even when they don’t get along, they bestow respect and care to the woman for bearing their child.

Now contrast this with the option that they are bearing a child from a woman whom they don’t know and is not their wife. How is the man supposed to psychologically shift gears, care for his wife while ignoring the surrogate mother? He has to change generations of social thinking built into his psychologically.

Moreover, is his wife is healthy enough to bear children, then he has to struggle with the fact that she doesn’t want to physically trouble herself by having his child. She is not willing to make any sacrifices for him or his children. In such a situation, will the man feel loved by his wife, and will he be able to continue to love his wife? What will be the long-term impact on the marriage if a woman chooses to use a surrogate mother without the willingness and consent of the father? Moreover, will the man be able to have the same relationship with the child or will he feel like an adoptive father?

5)     Social Perspective

Presently, the number of children born through surrogacy is low. However, with the strides in surrogacy, cloning, and medical science, it is possible that in the next couple of decades surrogacy becomes more prevalent.

Then a couple of social behavior and culture issues need to be thought about. If the number of surrogate children increase will social conflict and disturbances occur on lines similar to ethnicity, race and color. Will the surrogate children feel discriminated against and should there be special guidelines formed to deal with the issue?

Will the society suffer from lessor level of social bonding? What will be the effects on altruistic nature of humans because childbirth is considered altruistic – a mother sacrifices and risks her life for it. Will the generation become more detached from their parents and face issues of isolation, abandonment, and depression. Will it suffer identity crises?

Closing Thoughts

To some questions there is no easy answer. Humans may be able to justify surrogacy when the mother suffers health issues. However, it is difficult to justify surrogacy from a monetary perspective when the moral, emotional, and psychological cost is so high for all parties concerned. It is not a onetime cost, it is a lifelong cost that each family member has to pay. So do you think surrogacy is an option for working women? Share your views here.

 References

 

Innovative Approaches to Fraud Risk Management

The Javelin Strategy & Research Identity Theft Report 2013 states that 5.16% of US customers suffered from identity theft amounting to US$20.9 billion. Moreover, Tablet users had the highest probability of fraud at 9.6%. Victims of data breach had a 22.5% likelihood to becoming fraud victims. Hence, it is clear that while organizations are deploying more processes, technology and resources to prevent fraud, the fraudsters are having a ball. One thing fraudsters do, is to think outside the box. So we have to take a leaf out of their book and be innovative in our approach to prevent and detect fraud. Below are some ideas on the same. Share with me your thoughts on what you think about them.

 1)    Voice Print Analysis

Presently, in most of the banks, a call center agent asks a set of questions to verify the identity of customer for telephone banking. Internal employees, external fraudsters and organized crime groups can easily steal information about date of birth, place of birth, address, secret questions, and card number.

Now voice-printing software is available for authentication of voice. The system automatically verifies the caller voice with the customer’s sample voice to identify fraudulent callers and protect the account.

Secondly, maintain voice records of earlier fraudsters. When system detects a fraudulent caller, it automatically checks against the previous fraudulent call records. Hence, the system will flag if a fraudster has previously conducted a telephone banking fraud. With this, it will be easy to nab the fraudster, if the police had caught him/her in a previous case.

A new voice identity technology is available  that captures the tone of the voice and the type of communication. The software can monitor quality of calls and customer satisfaction from call center agents’ conversations with customers. This will cut manual quality control checks significantly and result in savings in quality control department costs.

2)    Track through Photographs and Location Mapping

Besides having voice-printing software, use a system similar to WhatsApp to identify of customers. WhatsApp sends text messages, images, video recordings, audio recordings, and the location. If banks invest in a similar application and allow customers to download the application on their mobile phones and tablets, the number of telephone and internet frauds will reduce.

If a fraudulent caller is flagged, then the call center agent can request the customer to send a selfie or video. If it is the wrong person, usually the caller will cut the conversation and drop the attempt to commit a fraud.

If the caller is able to circumvent this control, the application will also track the location. Applications track the frequent places a customer visits or calls from. If the caller is from an unusual place, then s/he can be tracked immediately. For example, if a British customer is tracked to a place in India, the call centre agent can ask the caller to verify their location.

3. Track Spending Behavior

Sometimes high value fraudulent payments are processed resulting in huge losses. A study done by Vivek K. Singh*, Laura Freeman*, Bruno Lepri, Alex (Sandy) Pentland for “Classifying Spending Behaviour using Socio-Mobile Data” determined the spending behavior of customers from the social interaction patterns on mobile phones. For example, it showed that more social couple and couples with diverse business interests tend to spend more.

Using big data, insights on spending behavior of customers can be analysed based on personality traits. Tracking social patterns and payment patterns can flag out anomalies when the payment is not in line with the spending pattern. Moreover, a location map can identify the location of beneficiaries of previous payments . Hence, fraudulent payments can be identified at the time of processing itself.

Another advantage from this technology can be for processing retail loan applications. If prospective customers are willing to give the data of mobile phone transactions, then at the time of processing the application itself, the bank can identify which customers are likely to overspend and default in future. The bank can ask for additional securities and guarantees.

Moreover, if the application is installed in the loan customer’s mobile after loan disbursement, the moment s/he is about to overspend which might result in default of EMI, the bank can send the customer an alert to pay the EMI first.

 4. Fraud Risk Conversations

According to psychological studies on emotional intelligence, Negative Emotional Attractor’s activate defense systems and build resistance to change. On the other hand, Positive Emotional Attractors (PEA) activates parasympathetic nervous system and makes a person more conducive to listen and change behavior. An effective team has a 3:1 ratio of PEA:NEA. Another study shows that improving peer-to-peer conversation increases productivity of the team by 30 to 40%.

However, risk management reports are mainly critical hence activate NEA. Moreover, the communication, training material, and code of conduct are all geared towards creating fear and guilt. Hence, it is not surprising that attempts to educate business teams on fraud risks fail.

Fraud risk managers can build a positive interaction model using technology platform. A study conducted by Erez Shmueli_, Vivek Kumar Singh_, Bruno Lepri and Alex ”Sandy” Pentland on “Sensing, Understanding, and Shaping Social Behavior” enables tracking of human behavior through big data analytics. The analytic helps in understanding the behavior, the tone of the conversation and the trust relationships between people.

Using this technology, an organization can use a social networking platform to communicate fraud risks through blogs, videos, and stories. The write-ups and stories should be from the business teams. From the comments section, the application can identify the key influencers and trust holders to bring about change. Thus, change the conversation to change the behavior.

 Closing Thoughts

 The days of holding a gun to rob a bank are nearly over. Fraudsters use social engineering to obtain sensitive information to conduct account takeover frauds remotely. Hence, organizations need to use socio-physics, social networks, and technology to beat the fraudsters in their own game. Being a leader in adopting the latest technology to prevent and detect frauds has an additional advantage, the fraudsters have not discovered the antidote to it. Hence, fraud risk managers have the right weapons to fight. The right tools can make a hell of a difference.

References:

  1.  Javelin Strategy & Research Identity Theft Report 2013
  2. Classifying Spending Behavior using Socio-Mobile Data - Vivek K. Singh*, Laura Freeman*, Bruno Lepri, Alex (Sandy) Pentland
  3.  Sensing, Understanding, and Shaping Social Behaviour – Erez Shmueli_, Vivek Kumar Singh_, Bruno Lepri and Alex ”Sandy” Pentland

 

 

The Unreliable Expert Advisers

Let me start by asking you a question – How many times have you written the word “expert” in your resume. Were you, like me, obsessed about becoming a subject matter expert or a thought leader? Are you an ardent devotee of people who profess expertise and give expert opinion in the media?

1.  Experts Know Better

If the answer to the above questions is yes, then let me ask you another question. If a political scientist and an astrologer are giving predictions of the political scenario in India 20 years from now, whose judgment will you rely on?

Philip Tetlock studied 300 experts over a 20-year period and concluded that experts were just slightly better off than the novices were. The expert group consisted of economists, political scientists, academicians, journalists and Phd. Another study showed that a rat was able to predict the location of food in a cage better than Yale students were.

Started believing in astrologers yet?

2.  Experts Perform Better

The counter argument is Malcolm Gladwell’s study, that to become an expert 10,000 hours of practice is required while continuously enhancing the skills to become an expert. Against this backdrop, one would assume that expertise matters and experts would perform better.

Below is a question, choose one of the options.

 

A study conducted by Eric Schwitzgebel showed that old and rare ethics books in the library were missing at twice the rate of other subject’s old books. That meant ethics philosophers were more likely to steal books than other lecturers were. Their expert knowledge on ethics did not prevent them from doing something completely unethical when it was in their self-interest.

Hence, all the knowledge and teaching of ethics would go waste if it were not incorporated in the behavior and personal value system. Does it not raise the question in your mind as to what is the point of teaching ethics in the organization? Maybe it is worth conducting an organization survey to measure the results.

 3.   Risks Can Be Accurately Predicted

After the financial crises, the bamboozled regulators were grappling to figure out why the idyllic scenario collapsed. All the posturing and ping-pong battles by the self-proclaimed risk management experts could not explain how they were caught napping.

The reason is simple. Risk managers and business managers can only predict risks based on their experience and information. For instance, in David versus Goliath battle, Goliath was well prepared. He was strong; he had a shield and a headgear to protect him. However, he was not aware that a slingshot could kill him. Hence, he did not mitigate that risk.

The risk managers and business managers do not have complete information about the present and the future business environment. Business managers normally take decisions when 70% of the information is available. Complete information is not available and the future is unknown. Hence, the next big disaster is always waiting at the next blind turn.

4.  High Performers Take Lessor Risks

Another assumption is that under-performing managers who are at the risk of missing their targets take higher risks than high-performing managers do. A study conducted by Ping Hu on mutual fund managers showed that both low and high performing managers are likely to take higher risks. The high performing managers do not face any employment risks, are comfortable in their positions; hence, take more risks. The under-performing managers take risks to achieve their goals. Hence, risk taking of managers is a U-shaped curve and highly dependent on the employment risks of the manager.

Therefore, the question arises what is the benefit of all the training given to managers. It allows managers to do proper risk mitigation and enables them to take higher risks.

Closing Thoughts

The above-mentioned studies shatter the fallacies and assumptions of confidently relying of expertise. An expert’s opinion may not be worth the paper it is written. So what is the advantage of having trusted advisers within the company?

The key is not to rely on insiders only. Have a panel of outside experts to give impartial view. Moreover, the experts shouldn’t be attached to their own opinion or view. The higher the levels of constructive confrontation within the organization, the better are the chances of doing effective risk management. Additionally, incorporate risk management processes within the business processes, and integrate them in employee behavior, practices, and reward system.

References:

  1. Philip Tetlock’s book, “Expert Political Judgment: How Good Is It? How Can We Know?”
  2. Do Ethicists Steal More Books? - Eric Schwitzgebel, Department of Philosophy, University of California at Riverside
  3. Fund Flows, Performance, Managerial Career Concerns, and Risk Taking - Ping Hu Risk Analytics, Corporate Finance, Wells Fargo, Charlotte, North Carolina

 

 

 

 

God, Sex and Money

Swami Shobhan Sarkar dreamt of a 1000 tonnes of gold lying beneath King Rao Ram Bux Singh’s ancient palace. Now, in the latest dream the quantity was revised to 2500 tonnes of gold. Indian archaeology department is conducting a survey, and the story is getting rampant coverage from the media. Seriously, why doesn’t someone dream of 2500 tonnes of tetra paks and plastic bottles lying underneath a field? Recycling it would make quite a bit of money and is an environment friendly option.

Then, luxury addicted Bishop Franz-Peter Tebartz-van Elst of Limburg spent Euro 31 million (USD 41 million) on refurbishing his house. Praying to God, following vows of celibacy and simplicity, requires that kind of expenditure! Does anyone know how much George Clooney, the most desirable bachelor in the world, the ultimate sex symbol, spends on redecorating his house? If one spends this kind of money in an Indian slum, all the slum dwellers will pray 12 hours a day without complaining.

Then, a teenaged girl has charged an Indian Godman for rape. After the disclosure, quite a few women have lodged similar complaints. The tragedy is that these dubious personalities attract many followers. These followers have to deal with moral injury. Jonathan Shay, the originator of the concept of moral injury defined it as –

Moral injury is present when (1) there has been a betrayal of what’s right (2) by someone who holds legitimate authority (3) in a high-stakes situation. Factor (2) is an instance of Shay’s concept of Leadership Malpractice.”

The religious leaders have moral authority over us. Betrayal of  trust results in cynicism and with it, faith in God, right versus wrong path, disappears. Lowering personal ethics and morals, effects business ethics. It is unrealistic to partition a person’s ethical behavior into a C drive and D drive like a computer. Hence, corruption and illegal activities flourish.

Let us look from another lens. If a child puts his textbooks on a table, draws a rangoli across, decorates it with flowers, and bows his head for five hours daily, will he gather the knowledge in the books. What a foolish thought! However, worshiping God involves the same practice. From childhood, we worship and show our commitment to God by giving money and gifts. If God gets happy with the money donated at various places of worship, then professionally, he has to be a chartered accountant or a banker.

Then, why is the public so gullible and falls for such tricks? Is it because, it is a shorter route, it makes a person feel good without much effort. Alternatively, a person doesn’t need to dwell on shortcomings and wrongdoings. Not really. Religion gives people a sense of belonging. According to psychology studies, a sense of belonging gives humans meaning in life. A person’s physical and psychological health improves when they believe life is meaningful. Unfortunately, unscrupulous people exploit the need of social belonging of human beings.

Hence, distinguish the fake from the real. A rose blooms on a thorny stem, but not every thorny stem has a rose. The sun and moon don’t publicize their worthiness; air and water don’t need to broadcast their usefulness. Choose your moral leaders wisely. Read and reflect on the scriptures to understand the deep philosophy behind it. The right learning can be achieved only through practice, be it behavior or subject matter expertise.

Closing Thoughts  

Following a culture is must for happiness, respecting other’s culture is a must for humanity, but sometimes questioning a culture becomes a necessity. Lord Buddha said – question everything. Explore an idea, experiment with it and then adopt it in daily life. Don’t let other people’s immoral behavior stop you from pursuing a moral and ethical life. A cynic is an idealist with a broken heart. Mend your broken heart, and remain an idealist.

References:

  1. Indian government digging for gold after swami dreams of buried treasure
  2. (Reuters) – A German bishop under pressure to resign for spending around 31 million euros ($42 million) on a luxurious residence said he had been heartened by a private audience with Pope Francis in Rome on Monday.
  3. Asaram Bapu: The fall of a godman
  4. Johnathan Shay
  5. Sense of Belonging Increases Meaningfulness of Life

 

Role of Cheering Crowd in Unethical Activities

crowd

A circus joker does crazy acts with the crowd laughing and cheering him on. When a person breaks the social norms on the streets, the public considers him crazy. If he is sane and rational he will get back to normal socially acceptable behavior in no time. The response of the crowd gives feedback on the appropriateness of the act.

Similarly, when a person behaves unethically or inappropriately, the encouragement and support he receives from the crowd determines how far he will go. The crowd’s reaction decides the extent of the crime, however, the crowd is never held responsible, and the individual is.

Notice the current trend. Pop divas dance nude in videos. It is naked dance of vulgarity and obscenity, passed off as art. Obviously, singers don’t sound melodious with their clothes on! Audiences react in three ways. Some relish it and indulge their baser instincts. Most have become desensitized to it and stopped questioning it. Lastly, a few consider it vulgar and avoid it. If the last category diminishes, soon only the so-called unsophisticated will sing and dance clothed. So how does one affix responsibility of the crowd?

Let us consider another example. A man is standing on the top of a cliff, planning to jump into a river flowing 100 feet below. There is a group spurring him on, saying – “Bravo man, do it.” Two of his friends hold on two his sleeve and say – “Man, don’t do it, not worth the risk.” The man thinks his two friends were spoil sports, while others were actually his friends. He never thought that there might be people in the supporting group, wishing him dead or laughing at him. The man in the heightened state of excitement, with adrenaline flowing high leaps into the river and dies. Now will the legal system define this as murder?

It applies in the business scenario too. CEOs get top billings for churning out high growth numbers. The media praises them sky-high without delving deeply into the methods used to achieve the numbers. The employees, investors and public drive the CEOs to take bigger and bigger risks, bend more rules, be more inhuman. The CEOs see the crowds rooting for another and want the same accolade. Cheating, breaking the law, doing unethical activities seem a small price to pay to get public honour and acknowledgement. . No one stops him, tells him that he is doing something wrong; he only sees ardent admiration. Then the bubble bursts, the CEO is caught and the public vanishes overnight. The employees, media, public, and investors escape with no responsibility for motivating a person to behave unethically. The CEO spends time in prison. Should the legal system prosecute the crowd?

The power of the crowd is incredible. The support of the crowd decides the course of history, good and bad, be it Indian independence struggle or the holocaust.  The decision of the crowd is based on culture and values of the society or organization. The crowd without good cultural and ethical values will probably support wrong things. As Confucius says: –

“Guide them with policies and align them with punishments and the people will evade them and have no shame. Guide them with virtue (de) and align them with culture and the people will have a sense of shame and fulfill their roles.”

From industrial age, organizations focus on the western concept of putting processes and procedures in place. The mechanism for compliance is reward and punishment systems. Just a few organizations have invested in building a good organization culture on ethical values. It holds true for families. Parents manipulate a child’s behavior through reward and punishment, without teaching core values. Without the education to build the moral compass within the organization and in the society, people cannot be expected to support the right causes and actions. Hence, one can opine that the crowd is blameless because they know no better.

This argument can be further propagated by the current state of social values. Every person is striving to be recognized, by whatever means possible. Paris Hilton gets more coverage in media than all sages in India. The problem is that people cannot recognize true merit in others and are obsessed about others acknowledging their merit. It is a situation of ‘garbage in, garbage out’ in human thoughts. Hence, education becomes the key to change the voice of the crowd.

Closing Thoughts

Replace obedience as a virtue with critical thinking in raising children, establishing cultural values in society and organizations. Obedience hampers the ability to differentiate between right and wrong. It develops traits to go along with the crowd rather than stand apart and hold ground. Critical thinking must become a mandatory course in schools, colleges, and organizations. Focus on it, and the crowd will start making better decisions in all aspects of life.

Propagating The Case For Moral Education In India

Image Source: www.wallibs.com

Getting education for good conduct is rare these days. In ancient times, the Indian gurus  taught Ramayana, a story of victory of good over evil. Confucius Analects and Socrates discussions are mostly about good behavior, moral conduct, and principles.

Even the Indian festivals focused on building the right culture. For example, the on-going festival Navratri is for worshipping Goddess Durga, representing feminine power.  Devotees dance in the dandiya night, conduct various pujas and fasts, or understand the deep philosophy behind the concept. The three approaches differ on the same principle as reading pulp-fiction for fun, cramming up a textbook, or reading and reflecting on literature. It is just the third aspect that builds character and critical thinking; the other two are vain efforts without lasting effort.

However, 90% of the crowd focuses on the first two. The challenge lies in shifting the attention of the crowd from superficial and superfluous to serious. Unless solemnity supersedes frivolity, no one will venture for intellectual or philosophical thinking. For instance, previously people labelled geeks as weird, now they have a cool quotient. The tipping point reached when a core mass made a huge social impact through technology.  Somehow, education on moral conduct and principles needs to go viral.

In ancient times, the teachers taught moral conduct in one-to-one or a small group setting. It was the responsibility of the teacher to impart knowledge. They could assess each student’s character – strengths and weaknesses. Now with classroom and web-based training, it is the responsibility of the student to learn. Training moral conduct becomes difficult in such a setting, as the student does not receive any personal feedback on behavior.

Parents focus has changed also. A child spends most of the time in studying technical subjects, playing sports or participating in activities. The assumption is moral awareness and conduct will automatically develop without any specific attention.  Another opinion is that all humans know parenting when they have a child. The rate of depression, abuse, and crime among children clearly show that parenting skills do not come automatically. Therefore, do not assume that all parents will be able to impart moral education to their children.

The plants that are regularly watered in a garden grow; the others die. For moral behavior to flourish there has to be dedicated training.

The right time of moral training is to start at a young age; children mold easily. However, this doesn’t mean older people cannot be trained. When educated adults can be influenced to conduct a crime, join terrorist organizations, then adults can also be educated to behave morally. With the right kind of influencing and training, hardened criminals can also change. Quality of water gushing from a fountain depends on the underground supply of water. Similarly, the quality of human conduct depends on the unconscious emotions and thoughts of a person. Education and cultural osmosis changes the unconscious motivations.

Therefore, the challenge is to refocus thinking and approach to life. In the darkness of night, we realize the importance of light. However, when our life is filled with darkness, some humans move further into darkness, some struggle to bring light back into life. The ones who have had strong moral education are less likely to move into the dark life of revenge, vendetta, and bitterness. They are more likely to get their balance back in their life.

The age-old art of storytelling and Socrates methods can be applied on a mass scale using technology. The initial followers and change makers selection is critical. An artisan can’t carve rotten wood. As a sculptor makes the base ready before sculpting, the moral base of the change makers requires preparation. Then only they can act as effective influencers.

However, one size fits all approach shouldn’t be taken. Trees grow to different heights and bloom in different seasons. Human beings capacity of moral reasoning differs and requires different level of effort to understand the concepts. Hence, training should be provided after assessing the caliber of the person.

Closing Thoughts

Moral education makes a big difference in pursuit of happiness in life. Simply put, if we are moral, we harm less people, don’t participate in unethical activities, and are geared to act in a fair and just manner. This behavior itself ensures that a person makes few enemies, and has good relationships with most people. Sound relationships lay the foundation of a happy life. It is not money, but quality of relationships that leave a deep impact on peace and happiness of an individual. For a lush green lawn, a gardener waters and tends the whole garden regularly. For a fruitful life, don’t ignore moral education.

Wishing all my readers a Very Happy Dussshera.

Routine Activity Theory Implications on Increasing Crime Rate in Indian Society

Cohen and Folsen’s Routine Activity Theory of Crime, appeals to me at an intellectual level to understand the increasing rate of crime in Indian society. However, it contradicts my personal philosophy about human beings. The theory presumes that every human being basically has a criminal tendency and is capable of crime. I believe that human beings are inherently good and each human being irrespective of the crimes they have committed is capable of good deeds. Hence, I will try to discuss the theory without bias and balance the two opposing views. If I sound partial towards my philosophy, then forgive me from the goodness of your heart.

1.      Introduction

The theory was based on analysis of US crime data of 1947-1974. During this period the average income of families increased, number of people below poverty line decreased, education levels improved, and unemployment levels decreased. However, the rate of violent crime in urban areas   increased – rape (174%), assault (164%), robbery (263%) and homicide (188%).

The Indian urban society is showing similar trends since liberalization in 1990s. While growth, income, economy, facilities, education etc. has significantly improved in urban areas, the rate of crime has increased exponentially. Before, in 1960s and 1970s, others would ostracize a middle class person if he were publicly involved in criminal activity. Now, nearly every second person is involved in a corrupt and unethical activity openly. Though we blame it on deteriorating social values, this theory helps us understand why we compromise the values and participate in a crime.

2.      Concept

The theory states that “structural changes in routine activity patterns can influence crime rates by affecting the convergence in space and time of three minimal elements of direct contact predatory violations: (1) motivated offenders, (2) suitable targets, and (3) the absence of capable guardians against a violation”. Lack of any one of these reduces crime. However, the level of control exercised by the guardians has a direct impact on crime. Even if motivated offenders and suitable targets remain the same, if control reduces, crime increases. The theory states that income of the offender does not have any impact on his desire to commit crime and contradicts the popular notion that people with less income have a higher propensity to commit crime.

Source: Wikepedia

Now this can be understood in Indian context. The number of people living away from their traditional homeland has increased as more people are living in nuclear families or as singles in different cities. The change in social behavior has changed the routine activity of people as social controls of family and community have decreased. These aspects reduce the worry of motivated offenders on how their community will judge them if they participate in unethical behavior. Secondly, the same aspect makes suitable targets more vulnerable to crime as protective layers have reduced. Hence, due to this changing social structure, motivated offenders and suitable targets have both increased. With it, the corruption in law enforcement agencies has reduced control. The sum total of it all has increased the crime rates in Indian urban areas.

3.      Effect

Then the theory states that motivated offenders cooperate to strengthen their efficiency in criminal activities. On the other hand, the potential victims join hands to gain collective strength to protect themselves from the attack. The challenge becomes bigger for potential victims when high-net worth individuals undertake criminal activities. The potential victims risk of victimization increases.

From the Indian context, the driver for change in social values has been the thirst for money and power. The higher level of ambition for being powerful and materialistically successful has motivated people to break the traditional social norms and move towards corruption and crime. Previously, the lack of a good criminal justice system was compensated by strict controls from family and community. Now all the three guardians have decreased control and the value of rewards gained from criminal activity is high. The other factor to consider is that voluntary help groups and social support groups are less in India; hence, the potential victims do not get the desired protection. As Cohen said – “it is ironic that the very factors which increase an opportunity to enjoy the benefits of life may also increase the opportunities for predatory violations”. Crime has become the by-product of freedom and prosperity as it has enmeshed itself in routine activities of daily life in Indian urban society.

Closing Thoughts

My personal belief is that for every action, especially criminal or unethical activity, a person needs to ask whether they need to involve themselves in it. When one accepts rewards for the wrong reasons, one cannot avoid punishment for the wrong reasons also. Hence, why go for the wrong rewards in the first place; and if one has received them, why not return them? When one is in a financially strong position and survival does not depend on income from criminal activity, why not refuse to undertake that activity. No one can involve another in a criminal activity if the participants do not wish for any monetary benefits. Hence, to enjoy the benefits of life, say no to crime and unethical activities.

References:

Routine activity theory - Crime Prevention Division – By Cohen and Folsen

 

Impact of Power Styles on Organization Risks

Power, we all want it. If we don’t have it, we associate with the powerful in the hope some of it rubs down to us. Being in the upper echelons of corporate world or the political corridors of the country’s parliamentary houses ensures that you are exempt from the rules applicable to the common person.

However, the way a person gets power and uses it reflects the person’s character, and its influence on others. In the corporate world, the power styles used by senior managers directly influence the risk levels of the organization. Unsurprisingly,  power and politics are undiscussable topics in the corporate world; hence, when risk managers do risk assessments, they ignore the two.

I personally recommend risk managers to understand the individual power styles of the senior managers and overall organization power style. To appreciate the connection between power and risk, let us first look at the power styles and their impact on the organization.

Power Sttyles

Depending on the situation, a leader needs to use various power styles. However, if a leader uses coercive style even when it is not required, then something is wrong. Leaders frequently use power styles of reward and punishment for fulfilling illegitimate requirements. Hence, the probability of followers being involved in unethical activities requiring compromise of personal values is higher. On the other hand, the expert style ensures that followers make informed judgments as the leader attempts to enhance their ethical values and knowledge level. The reward is not in the form of a bribe and is implicit; the leader is dedicated to improving the organization.

Another aspect that requires understanding is the need for creating perception of power. When a leader is undertaking illegitimate activities (watch any Hindi movie to see the underworld Don) he needs to create a strong perception of power by using threat and punishment. Else, his coercive tactics will be ineffective, as people will not cooperate. Therefore, he makes some sacrificial goats to demonstrate that he is above the law and normal rules don’t apply to him. Another tactic is to break the social norms, and not behave rationally and predictably. Both these methods focus on creating fear to ensure compliance. Without the perception of power and fear, the leader becomes vulnerable to revolt from the common person. The only way for him to retain his power is by increasing the number of sacrificial goats, threats, and punishments.

1.   Impact on Legal and Reputation Risks

A coercive leader is usually riding a tiger. The organization risks continue multiplying as more and more people become aware of the unethical practices. An elastic can be stretched up to a limit. Eventually, the concocted environment cocoon will burst and all hell will break loose. The leader cannot trust anyone after a point. Hence, his fear increases in direct proportion to his vulnerability. The leader takes more and more risks to protect his personal fiefdom. The organizations reputation risks and legal risks increase proportionately.

2.   Impact on Human Resource Risks

Overtime, the leader’s charisma wears off. As the layers peel off, disillusion sets in. Employees realize that the leader doesn’t behave with integrity and honesty. Even the loyalists recognize that whenever it suits the leader’s personal agenda, they can face the bullet without any fault of their own. This creates disquiet among employees, and employee disengagement increases. The human resource risks increase manifold with disengaged employees.

3.   Impact on Operational and Financial Risks

The disengagement starts effecting productivity and performance as everyone grasps that meritocracy has no links with rewards. This in turn impacts the bottom line as leader fails to deliver on targets. Failure to show profitability and results makes the leader’s position precarious. The leader starts feeling pressure from the top. As he is unable to improve productivity, he attempts to manipulate results and financial statements. In nutshell, leader’s power style influences operational risks and financial risks of the organization.

Closing Thoughts

No one can deny that success in life depends quite significantly on a person’s power and influence. The general opinion is that means to the end do not matter when we strive for power. On the contrary, how we get power and maintain power, is crucial for longevity in the powerful position. For a coercive leader, the end is tragic, as the hunter becomes the hunted. Moreover, if a leader gets power by paying bribes or giving rewards, his power ends when he stops doing so. His loyalists disappear with speed. Abusing power is no longer safe in the present world, as it increases the personal risks of the leader and the organization risks. Therefore, risk managers need to ensure for continued prosperity of the organization, that leaders get power by the rights means and use it for the right purposes.

Satyagraha For Freedom From Corruption

Gandhi ji, in his book “History of Satyagraha in South Africa” narrates the coinage of the term Satyagraha and the journey of the movement. It is an amazing story of sacrifice, determination, and moral courage. Hence, I wondered whether we can use the concept to fight corruption in this century.

The irony is that Gandhi ji started the Satygraha movement in South Africa because Europeans passed unfavourable laws for Indians. They were scared of Indian traders and professionals taking a huge slice of the business, hence passed laws to restrict their liberty to live and trade freely. Greed was at the crux of it since there were plenty of natural resources in South Africa for Europeans, Blacks, and Indians. Now India is being destroyed by the greed of its leaders and public.

Gandhi ji’s story stands in stark contrast to the Anna Hazare led fight against corruption. Hazare’s was packaged as Gandhian inspired struggle but as results showed it was far from it. Hazare took the stance of my way and high way on the Lokpal Bill, whereas Gandhi ji believed in negotiation. Moreover, Hazare’s was a publicity driven exercise of a few fasts and he quickly distanced himself from it when he faced failure. Another aspect was that though thousands turned up in support at the initial stage, no one made use of that energy constructively and directed people to do something more than shout slogans on the streets. Hence, the euphoria disappeared after a short while, as the educated middle class needed an action plan to maintain their commitment.

It brings back to our understanding of Satyagraha. We generally confuse it with “passive resistance” and it was the same situation when Gandhi ji developed the concept a century back. Below are few points from the book:

1)      Satyagraha

Gandhi ji considered Satyagraha as a soul-force. The Satyagrahies never used physical force even when they had the capability for it. In Gandhi ji’s word – “Satyagraha is soul-force pure and simple, and whenever and to whatever extent there is room for the use of arms or physical force or brute force, there and to that extent is there so much less possibility for soul-force. These are purely antagonistic forces in my view, and I had full realization of this antagonism even at the time of the advent of Satyagraha

2)     Passive resistance

The term “passive resistance” originated in Europe as a weapon of the weak. It was generally used when other options of fighting were not available. It was a method used by people without voting rights, or lacking public support. The people were not averse to using arms for attaining their goals. But they did not go for it because they didn’t think they would succeed with it. Hence, passive resistance was more of a strategic manoeuvre than commitment to non-violence.

3)    Difference between the two

Gandhi ji described the fundamental difference in the concepts in the following paragraphs -

 “The power of suggestion is such that a man at last becomes what he believes himself to be. If we continue to believe ourselves and let others believe that we are weak and therefore offer passive resistance, our resistance will never make us strong, and at the earliest opportunity we will give up passive resistance as a weapon of the weak.

 On the other hand if we are satyagrahis and offer satyagraha believing ourselves to be strong, two clear consequences result from it. Fostering the idea of strength, we grow stronger and stronger every day. With the increase in our strength, our satyagraha too becomes more effective and we would never be casting about for an opportunity to give it up.

 Again, there is no scope for love in passive resistance; on the other hand, not only has hatred no place in satyagraha, but it is a positive breach of its ruling principle. While in passive resistance there is a scope for the use of  arms when a suitable occasion arrives, in satyagraha physical force is forbidden even in the most favourable circumstances. Passive resistance is often looked upon as a preparation for the use of force while satyagraha can never be utilized as such. Passive resistance may be offered side by side with the use of arms. Satyagraha and brute force, being each a negation of the other, can never go together.

 Satyagraha may be offered to one’s nearest and dearest; passive resistance can never be offered to them unless of course they have ceased to be dear and become an object of hatred to us.

 In passive resistance there is always present an idea of harassing the other party and there is a simultaneous readiness to undergo any hardships entailed upon us by such activity; while in satyagraha there is not the remotest idea of injuring the opponent. Satyagraha postulates the conquest of the adversary by suffering in one’s own person.”

 4)    Freedom From Corruption

Considering the above definition of Satyagraha and the differences highlighted by Gandhi ji, I haven’t seen very many noteworthy cases of mass movement of Satyagraha. Hazare’s movement just entailed short-term sacrifice and not a long-term struggle. When the public disappeared so did he.

The Satyagrahies courted prison and lived a simple life to fight for their cause. Hence, the question is that do we lack commitment and determination for long-term struggle to root out wrong habits. Is it possible and realistic to expect people to make these sacrifices in the present age of instant gratification. Can we expect Indian public to take a vow not to take or give bribes and kickbacks? Will it be expecting too much from the citizens to sacrifice a few luxuries. Will the public stay committed to the cause or leave it when it gets bored, to participate in the next novel thing.

We need to seriously think of eradicating corruption on this Independence Day. India has come a long way in one century but the corruption is eroding its sheen and destroying the country from within. We must not forget the sacrifices a whole generation of Indians made to ensure that the next generations live with freedom. Let us pledge to keep our souls free of greed.

Wishing all Indians a Very Happy Independence Day.

References:

History of Satyagraha in South Africa by M.K. Gandhi 

The Money Worshipers

money worshiper

The Global Index of Religion and Atheism Report 2012 results indicate that just 59 percent of world population was religious last year. Even India, the land of prayers and spirituality is showing a declining trend in belief in God. In 2005, 87% Indians believed in religion. While in 2012, 81% Indians declared themselves religious.

In Indian society,  the focus has shifted on earning money in the last decade. Money has become the new God.

The belief is that money makes one happy, though psychological studies show it is an open question. Some studies show that money does contribute to happiness; some show that beyond a point, money doesn’t add anything to happiness quotient. On the other hand, the law of diminishing returns applies to money as well. Nassim Taleb analysed that after a certain point, the pleasure in earning more money is less than the fear of losing it.

I don’t have the answer to whether money makes a person happier. Yes, it does provide a whole lot of comforts. But beyond that, there are others aspects of life that contribute to happiness. So the question is why we see more people willing to compromise their morals for the sake of money. One hears often this explanation from a person who is compromising morals for money – “You know the world has changed. What to do?” Basically, they are saying – “I have changed and I want to blame my greed on the society rather than take individual responsibility”. We want to avoid analyzing our thoughts and motives deeply, because we will get very unpleasant answers about ourselves.

A joke really sums up these thoughts – A man bought a new Mercedes and parked it in front his house for neighbors to see. While he was getting out of the car, a truck drove close by, and disjointed the door of the car. The man called the police, who came immediately. The man said – “This truck driver damaged my car,  see my car door”. The police officer said – “Sir, do you realize that your arm is also detached”. The man replied – “Oh shit, my Rolex is damaged”. It might sound far-fetched that a person doesn’t realize physical damage to self, but most of us do ignore the internal damage pursuit of money causes us.

Quite a few of our prayers to God revolve around money. God, get me this deal (subconsciously – I will earn a lot of money). God, give me a good spouse (subconsciously – a rich spouse so that I can live in luxury). We are not above bribing God too. We promise to do x,y, z if we get what we want. However, if we face difficult times our faith disappears. We are unhappy and miserable. We don’t think that God may have gifted us the sword to cut our greed. We ourselves can remove the chains tying us to the greed.

Rabindranath Tagore in Gitanjali displays his profound understanding of the same. The English translation of the incredible verse is below:

He whom I enclose with my name is weeping in this dungeon. I am ever busy building this wall all around; and as this wall goes up into the sky day by day I lose sight of my true being in its dark shadow.

 I take pride in this great wall, and I plaster it with dust and sand lest a least hole should be left in this name; and for all the care I take I lose sight of my true being.

 I came out alone on my way to my tryst. But who is this that follows me in the silent dark? I move aside to avoid his presence but I escape him not.

 He makes the dust rise from the earth with his swagger; he adds his loud voice to every word that I utter. He is my own little self, my lord, he knows no shame; but I am ashamed to come to thy door in his company.

 ‘Prisoner, tell me, who was it that bound you?’

 ‘It was my master,’ said the prisoner. ‘I thought I could outdo everybody in the world in wealth and power, and I amassed in my own treasure-house the money due to my king.

 When sleep overcame me I lay upon the bed that was for my lord, and on waking up I found I was a prisoner in my own treasure-house.’

 ‘Prisoner, tell me, who was it that wrought this unbreakable chain?”

 ‘It was I,’ said the prisoner, ‘who forged this chain very carefully. I thought my invincible power would hold the world captive leaving me in a freedom undisturbed.

 Thus night and day I worked at the chain with huge fires and cruel hard strokes. When at last the work was done and the links were complete and unbreakable, I found that it held me in its grip’.”

For all our human insight and wisdom, we have tied ourselves in chains. We don’t want to break them, as it will require a lot of strength, so we continue to complain about them. We forget, a rose blooms on a stem of thorns.

Closing thoughts

 When we think about happy times, most of us have some memories of childhood. It was the age of innocence where we couldn’t even count money. All that mattered was the love of our family and the mischief we could get into with our friends. We walk such a long distance in our adult life to pursue things, than be blissful internally. It is out of fashion to discuss it, as the cynics will call us utter fools out of touch with reality. So let me open the question to you.

References:

  1. Global Index of Religion and Atheism Report: Number of Atheists Increased on Global Level
  2. Gitanjai – by Rabindranath Tagore