58606
                                               What the Career Information Can­
aiIk'sWorld 
                                  and Cannot Do-for You
VOL 5 I NO 1                   JANUARY 1986


In this issue:
Articles
                                               Know Thyself-and Plan
 2 	 . . ._ .......... PII. Ya,
     e.l'llr. The Career Information
     Center can do some things to help
                                               Your Career
     your career development, but there        by Ellen Tillier
     are some things it cannot do.
  I 	 ' ' ' ' ' ' ' If.......... F••d. Staff
      can rest assured the Fund is in good
      hands.
 8 	 C••• ElL 8.1.1. That's the number
     to dial for pension information and
     counseling.
 7 	 • ."............
      ........ Newly retired, she was
      aBank pioneer.
 • 	 .............. H................
     More than 5,000 staff have already
     sought Nevine Gargour's advice.
 • 	 1'111 ...... 1I ..1In: ....... It
     It .................... 1.1...
     Some startling photos and how the
     photographer took them.
15 	 LIfI ..... II .... AfrIcII
     ....... Intemational program is
     eradicating river blindness.
1. 	 THIll        If MIl
     ............. Evaluating adecade
     of lending.
1. 	 ' .....   1'
               DIltlICIIn. A frame is
     more than adecorative border.
n 	 1••51_ • • •_.'.
     .... 1    ....... 1tDrIeI. An
     annual look at what's been written

Departments
11 	 I ..... 11CIftI: Excerpts from
     speeches by Ernest Stem and
     Edward V.K. Jaycox.
17 .......
1.............
28   ltaffe.......
22 ...... .....
22 	 I.ItIIr II .... EIIIIIr
Ie 	 AI ...... ......

COVER: Charles Kramer (left), Chief,
Career Information Unit, and two of his
associates, Lynne Motley, Career
Research Analyst, and Jim Garey,               Charles Kramer, Chief of the CIC, and the DISCOVER program.   Photo by William Spidle
Secretary, behind a computer terminal on
which auser can use DISCOVER to get to
know himself better. Photo by William Spidle
I t's not intended to make a sweeping
   change in your working life from
                                           the client what his tastes are," he says.
                                           "You can show him the travel bro­
                                                                                       tion about position requirements,
                                                                                       skills needed, and criteria for selection
one day to the next, but the new           chures of the places he might like to       and promotion. They may also wish
Career Information Center (CIC), due       visit, provide him with different time­     some guidelines, for instance when
to open in early March, may make a         tables and costs to get there, suggest      they complete their Performance Plan­
big difference in how you manage your      some itineraries, but it's up to him to     ning and Review (PPR). The CIC,
career.                                    decide whether or not to make a trip."      which can respond to these needs, is
   The idea behind the CIC is to offer     Infomation about Skills                     yet another resource for staff, along
a unique service within the institution                                                with the Personnel Officers and others.
                                              For the first time, the Bank will have
that combines information and ad­                                                         The main purpose of the Center is
                                           a central office where staff can obtain
vice~akin to outside career counsel­                                                   to help you plan your career. The
                                           information about the skills and re­
ing-for staff to use on a voluntary                                                    Center can help you make a realistic
                                           sponsibilities required for positions
and confidential basis.                                                                assessment of how your present skills
                                           throughout the Bank and IFC. Now
   By using the CIC, staff will become                                                 can be used within the Bank, or if you
                                           that more occupational streams have
better informed about positions in the                                                 set your sights higher or in a different
                                           been defined, you will be able to see
institution, better advised about their                                                direction, what additional training
                                           how positions fit into the organiza­
own career possibilities, and, there­                                                  and/or experience you may need to
                                           tion. If you are interested in a stream,
fore, better equipped to make sound                                                    reach your career goal. If you are set
                                           you can pick up a "career progression
career decisions. It is one step in the                                                on pursuing a career that cannot be
                                           summary" at the Center. The sum­
Bank's effort to promote career devel­                                                 accommodated within the Bank, the
                                           mary will tell you immediately what
opment, an area of concern for staff,                                                  CIC might even suggest other organi­
                                           qualifications are needed for the posi­
as expressed in the Attitude Surveys.                                                  zations where your interest might be
                                           tion, whether the position is open to
Precious Source of Help                                                                pursued.
                                           competitive promotion or to a profes­
   The ground rule, however, is to look    sional growth promotion and other           Self-Assessment Program
at the Center as a precious source of      details.                                       Initially, the Center's main self-as­
help in planning a career for yourself,       If you are contemplating a change        sessment tool is a computer program
and as a central office to obtain infor­   in streams, the Center will provide         called DISCOVER. Developed by the
mation about Bank and IFC occupa­          information on what training, ifany,        American College Testing Program
tions. While the Center will be able to    would be useful to cross over. If you       and Counseling Systems, DISCOVER
suggest positions for which you qual­      are contemplating a change injobs,          is being adapted for the Bank. The
ify, or others which would require ad­     but are not sure where you want to          program consists of a step-by-step ap­
ditional training, it is not meant to      go, the Center provides self-assess­        proach in five modules-you can do as
serve as a placement bureau.               ment tools so that you can learn more       many as you wish-and takes about
   If you bear this rule in mind, and      about yourself and the careers that         four hours to complete. DISCOVER
remind yourself that your career in the    may suit your aspirations. If you need      requires you to do a lot of thinking
Bank depends mostly on your own            additional advice, you can have indi­       about yourself and the activities you
initiative, there's a good chance that     vidual sessions with a professional         prefer. It's an intense exercise in get­
the CIC may turn out to be what            counselor, who will discuss your            ting to know yourself better.
you've been waiting for to help you        career planning strategy with you and          The CIC will also make available
take your own career more firmly in        provide a "second opinion" to help          other self-assessment programs, in­
hand.                                      you make up your own mind about             cluding "Careerspeak" and "Self-di­
   Charles Kramer, Chief, Career In­       your career plans.                          rected Search."                               .t   ~
formation Unit, likes to compare the          To plan and manage careers, super­          The final phase in the process-and
CIC to a travel bureau. "You can ask       visors and staff alike need informa­        again, strictly on a voluntary basis-

                                                                                               THE BANK'S WORLD I JANUARY 1986   3
is one or several individual career dis­     'DISCOVER forces you                          nilly be channeled into the manage­
cussions where you can review aspects                                                      ment chain."
of your career status in strict confiden­       to make decisions                             In setting up this Center as part of
tiality. CIC staff will give you the in­     about a plan of action.                       its commitment to career develop­
formation and guidance you need,                   It throws the                           ment, management also recognizes
help you interpret the results of your                                                     that the CIC is in the interest of the
assessment, and suggest ways to reach         responsibility back to                       institution. As staff become more
your goals. But all decisions are yours       you in the right kind of                     aware of the opportunities in the
to make.                                      way. It gives you help,                      Bank, they will be more motivated.
   As part of the preparatory work                                                            "Our goal is to help staff achieve
before the Center officially opens for       but it doesn't make the                       their potential on a realistic basis,"
business, Mr. Kramer and his staff are          decisions for you.'                        explains Mr. Kramer. "Once we have
running a pilot program to test initial                                                    helped staff establish their goals, we
staff reactions. Various units in the                                                      can make recommendations to attain
Bank were chosen for the program             look at it as a helpful step forward in       them. As the Bank evolves, we will
and, within those units, volunteers          the Bank's approach to career devel­          know whichjobs are in demand, and
came forward to try the services on a        opment."                                      which are on the wane. Our overview
confidential basis. As will be the rule         Another volunteer with 25 years of         of occupational streams and position
when the Center becomes operational,         experience in the Bank in a specialized       descriptions will enable us to be cre­
managers received no feedback from           field wanted to see what other oppor­         ative and flexible in our approach. We
CIC staff on the volunteers in their         tunities the institution offered. She re­     hope to be able to suggest passages
unit.                                        ports that the best part of DISCOVER          from one career stream to another,
                                             is that it helped her find out what her       where none were apparent."
Volunteers Speak
                                             true experience was and how it applies
   Without breaching that confiden­          to other positions. "I'd encourage any­       Success of Pilot Program
tiality, several volunteers agreed to        body interested in a career change to            One reason for the success of the
speak to The Bank's World about their        try the program," she says. "It's not         pilot program, in Mr. Kramer's view,
experience.                                  perfect-it takes a long time to do, you       is that when he described the services
   "This Center came just at the right       have to think very carefully about your       of the CIC to the volunteer units he
time for me," reports one volunteer.         answers and you can't go back to cor­         immediately limited the scope of the
"I came to the United States several         rect mistakes-but, if you're willing to       service in order to squash runaway
years ago and only intended to stay a        make the effort, the results can lead         expectations.
few years. Now I have to decide              you to a greater awareness of your               "Introduction to the pilot program
whether to leave the Bank or change          marketable skills. I was amazed at all        was carefully prepared," he says. "The
direction within the institution. How        the linkages between my position and          volunteers were aware of what the
do you go about making that kind of          others that I never thought existed."         CIC can-and cannot-do. I believe
decision? You need help to put some              A third volunteer liked the way the       this was one reason for the favorable
structure into your thinking.                program "pinpoints your likes and             reaction. With careful preparation,
   "When I volunteered for the pilot         dislikes very clearly. It's hard to pull      the success of the pilot program can be
program, I had already gone to the           all this out of your head, but you can        repeated for all staff, provided that
University of Virginia's Counseling          see it clearly after you pull it out of the   they, too, understand the scope of the
Service, and I can report that the           computer."                                    exercise. "
DISCOVER program does the same                  Managers of the units involved in              In theory, the CIC can be used as an
thing without having to go outside the       the pilot program are also impressed.         effective source of support for all staff.
Bank. DISCOVER forces you to                 "I see a tremendous need for.this kind        "Everybody, at some point, needs to
make decisions about a plan of action.       of service," says one. "The first two         sit down and reflect about his or her
It throws the responsibility back to         Attitude Survexs indicated that career        career," he says. "Now staff will know
you in the right kind of way. It gives       development is one area where there is        there is a place in the Bank where they
you help, but it doesn't make the de­        much skepticism. Some staff are con­          can find out more about themselves,
cisions for you. And CIC staff did a lot     fused about the possibilities for career      learn more about his or her career
of research for me, without mention­         growth. The procedures used for se­           opportunities, and be assured that all
ing my name. They saved me a lot of          lecting candidates for a position are         discussions will remain private and
spade work, and I was impressed by           not always clear. It will be interesting      outside the stream of procedures."
their respect of confidentiali ty. So, I'm   to see how managers respond to bet­               Staff interested in the opening of the
a great enthusiast. The impact of the        ter informed staff, and how the ideas         CIC should watch for an announce­
program will probably be slow, but I         stimulated by the Center will willy­          ment in the Weekly Bulletin. II

4   THE BANK'S WORLD I JANUARY 1986
Managing Managers and Strategies

Keepers of the Pension Fund 

by Ellen Tillier

   t's a successful arrangement based
I   on small is beautiful. Surprising as
it may be, only a handful of Bank Staff
                                                    manage the Fund: Hilda Ochoa,
                                                    Chief, Pension Investments Division,
                                                                                                       the total needed to finance the Fund
                                                                                                       every year as estimated by the actu­
                                                    and three investment officers.                     aries-the outside experts who esti­
propel the ever-growing and top per­                                                                   mate the financial needs of the Fund
forming BankjIFC Staff Retirement                   Good for Staff                                     on an annual basis in relation to long­
Fund. The current market value of the                 For the past three years-1982 to                 term needs.
Fund is about $1.6 billion.                        1984-the Fund's performance has                        Originally, the actuaries estimated
    "The secret of the Staff Retirement            put it in the top 10% oflarge pension               that the Bank's average contribution
Fund's success is simple," says K.                 funds in the United States. "While                  would be 14%. But as late as 1981,
Georg Gabriel, Vice President, Pen­                staff do not directly benefit from in­              which was still a time of high inflation
sion Fund. "We've kept to a tight,                 creased assets, the results are good for            and lower returns on assets, the Bank
compact unit which concentrates on                 the Bank and also good for staff be­                contributed 19.1 % of gross pay. "Our
the overall allocation of assets and               cause it keeps funding of the Plan in               good returns for the past three years
leaves the management of the Fund's                balance, and therefore ensures the se­              are due in large part to the behavior
individual pieces to outside managers              curity of the Fund," says Mr. Holland.              of most financial markets," says Mr.
who are constantly being evaluated in                 As staff may know, their contri bu­              Holland.
terms of performance. The role of the              tion to the Fund doesn't vary: 7% of
nucleus of staff is to manage the man­             their gross salary is deducted from                  The Key Factor
agers and allocate assets among man­               their paycheck each month-whatever                     In 1985, for instance, the Bank's
agers and the various categories of                the returns on the Fund. On the other               contribution was lowered for the
assets."                                           hand, the Bank's contribution can bob               fourth consecutive year, from 15.8%
    Under Mr. Gabriel's aegis is the               up and down depending on the re­                    to 14.5%. "But if we were in a period
Pension Department directed by Ber­                turns. The Bank makes up the differ­                of poor financial returns and returns
nard Holland. Only four other people               ence between staff contributions and                on assets were low," Mr. Holland ex-




Bernard Holland, Director, Staff Retirement Plan Department (left); Hilda   President, Pension Fund, discuss the results of the Fund in Mr. Gabriel's 

Ochoa, Chief, Pension Investments Division; and K. Georg Gabriel, Vice      office.                                               Photo by William Spidle 




                                                                                                                 THE BANK'S WORLD / JANUARY 1986        5
plains, "we could not assure a contin­     of a manager who takes our account          stand compared to the world markets?
uation of the Fund's present perfor­       is about five years."                          "We're also good at correcting mis­
mance. The key factor is that the re­         The unit sees itself as a crossroad of   takes," adds Ms. Ochoa. "We con­
turns on stocks and bonds have been        information. "We have to be knowl­          stantly analyze performance history,
good for the past several years. But       edgeable about more than 50 types of        have to be good judges of character,
there are going to be bad years, too. If   financial assets," says Ms. Ochoa. "In      and our frequent meetings with the
there's a sharp decline in most finan­     order to do this, the unit has a fairly     managers give us many insights. We
cial markets, the Bank will have to        comprehensive software system which         have an 'open door policy' so that the
make up the shortfall."                    gives the breakdown of exposure to          managers can call on us at any time."
   But market performance is only          the major asset categories. For each           All decisions made at these meet­
part of the story. For the Fund to do      category, there is a risk profile to de­    ings are made within policy guidelines
well, it needs active and astute man­      termine the action to follow."              the department prepares for approval
agement. "It isn't possible for the                                                    by the Pension Finance Committee.
                                           'Bargain Basement' Approach
Bank to have an in-house capability of                                                 Members of the Committee include
managing all the different types of           One of the reasons for the Fund's        two Executive Directors; two repre­
assets in the Fund," says Ms. Ochoa.       success is its investment in underval­      sentatives from the Staff Association;
"Our focus here is to develop and          ued securities, which pose a higher but     two outside members; members ofse­
implement investment strategies. The       manageable risk. "We use a 'bargain         nior staff; a retired staff member; and
in-house effort concentrates on com­       basement' approach to some of our           Mr. Gabriel, who is chairman.
parative advantages. We prefer to          stocks," Ms. Ochoa explains. "We
manage assets rather than people."         look for value in offbeat assets. Ifwe      In Good Hands
   The Fund's assets are divided into      looked where everyone else is looking,         While staff won't immediately ben­
six categories: (I) V.S. common            value would be much harder to find.         efit from the success of the Fund, they
stocks; (2) V.S. fixed-income invest­      But we make sure we don't take un­          can rest assured that it is in good
ments; (3) non-V.S. investments; (4)       necessary risks. Apart from the special     hands and growing to serve future
cash reserves; (5) real estate; and (6)    situation and real estate assets, all our   retirees.
venture capital and special situations.    assets can be liquidated immediately."         As Mr. Holland puts it, "The Staff
                                              Weekly strategy meetings are held        Retirement Plan is the most valuable
Asset Mix                                  to determine if there is a need to          benefit for staff, and the second most
   "The role of the unit," says Ms.        change the asset mix. Discussion cen­       important element of total compensa­
Ochoa, "is to follow the market in         ters also on the performance of out­        tion. It deserves to be studied careful­
broad terms and keep an overview           side managers-whether a manager             ly."
over all six asset categories. We          should be terminated or added;                 More details about the Retirement
couldn't possibly monitor all move­        whether exposure to long-term bonds         Plan are explained in a 20-minute au­
ments from within the Bank . We de­        or V.S. securities should be increased      diovisual program that can be shown
cide on the asset mix, the investment      or decreased; whether the country dis­      at a division or department staff meet­
strategies, the currency mix, and the      tribution of the portfolio is adequate.     ing. You can call James Boucher on
mix of industry groups-like oil or         In other words, how does the Fund           Ext. 61250 for a presentation. II
finance-and leave the actual invest­
ing to outside specialists."
   Moreover, she points out that there
are some 4,000 investment manage­          Call Ext. 69141
ment firms specializing in a particular    With the growing importance of finan­       ors is ready to help you understand the
market or strategy. "Our job is to find    cial planning, more and more staff are      Staff Retirement Plan's benefits and
the best managers. We interview 600        turning to the Pension Department           options. A novel part of this service is
managers a year to hire five," she says.   about their Staff Retirement Plan ben­      a sophisticated computer program
"At anyone time, we use about 20           efits. To handle th~se requests, a spe­     that calculates and projects pensions
outside managers, and we keep an           cial phone connection-Ext. 69141­           and other benefits under a wide range
active roster of 100. We also invest in    has been set up as the number to call       of assumptions of your choice-such
smaller partnerships dealing in real       for pension information. You can call       as possible termination dates. All in­
estate, venture capital and special sit­   this number just to ask a question or       quiries are held in strictest confidence.
uations, where there is a higher risk      to arrange for an individual counsel­          More about the Staff Retirement
and less liquidity. Every outside man­     ing session.                                Plan will be featured in a forthcoming
ager is evaluated strictly on perfor­         A trained team of pension counsel-       issue of The Bank's World.       III
mance and we can hire and terminate
them promptly. The average 'shelflife'

6   THE BANK'S WORLD I JANUARY 1986
Bank Pioneer Retires


Mary Rukavina Made a Difference 

by Marjorie Messiter
                                                                                                    sense of excitement about what the
                                                                                                    Bank was doing. We were going to
                                                                                                    straighten out the world. Maybe we
                                                                                                    didn't, but we thought we could."
                                                                                                       "I remember the excitement about
                                                                                                    the first loan to France," Miss Ruka­
                                                                                                    vina reminisced in her office a few days
                                                                                                    later. "It took a long time, but it got
                                                                                                    through. And talk about efficiency. It
                                                                                                    was there. We knew everyone and
                                                                                                    could get things done quickly. We
                                                                                                    didn't need forms.
                                                                                                       "Ofcourse, the Bank was a new
                                                                                                    experience for all of us, and people
                                                                                                    tried hard to make it work. Every­
What did she say? Mary Rukavina with Vice Presidents Willi A. Wapenhans (center) and Martijn        body had his or her own cultural ideas
J.W.M. Paijmans.                                                        Photo by Michele lannacci   about how an office should be run.
                                                                                                    That took getting used to on every­
                                                                                                    one's part."

B    astille Day, July 14, 1947, Mary
      M. Rukavina, formerly with the
U.S. Government's Office of Rubber
                                                  Lillian Cardash painted an autumn
                                                  scene in oil for her friend because
                                                  "Mary loves stilllifes and scenery."
                                                                                                       Miss Rukavina was born in Pitts­
                                                                                                    burgh, Pennsylvania. Her parents had
                                                                                                    emigrated to the United States from
Reserve, came to work as a Secretary              Lynn Hunger made her a black satin                Austria-Hungary, now Yugoslavia.
in the Loan Department. At that time,             "opera" goose decked in pearls and                The children in the Rukavina house­
the Bank had 322 employees housed,                rhinestones, for Miss Rukavina loves              hold were tutored in Serbo-Croatian
along with the Fund, the Joint Li­                music, too, especially opera.                     and brought up going to symphonies,
brary, and the U .S. Department of                   And they brought back friends and              ballets and concerts. Music became
State, in the A building. The telephone           former colleagues long retired. S. Ray­           part of her life, "like second nature,"
directory was a scant two pages.                  mond Cope, who was Director of the                she said.
   As far as public opinion was con­              Department of Operations, Europe,
cerned, "no one thought the Bank                  Africa and Australasia, later Director            Economic Mission to Yugoslavia
would take hold," Miss Rukavina                   of the Europe and Middle East De­                    Because of her language skills, Miss
said. "It was a gamble, and only the              partment, and for whom Miss Ruka­                 Rukavina was assigned to an econom­
people here thought it would work."               vina worked for 14 years, said what               ic mission to Yugoslavia in 1949.
   Thirty-eight years and five months             everybody who worked with her said,               "There was a lot of devastation. For
later, Miss Rukavina's friends were               "She's a marvelous person. I don't                that matter, there was devastation
certain the institution would collapse            know how I would have survived with­              throughout Europe," she recalled.
December 15, 1985-the day she re­                 out her."                                         "The country had been through the
tired. And so, at her farewell party in              Mr. Lari told the gathering he was             World War and a civil war and was
November, they gave her a white hard              hoping the arithmetic was wrong; it               really torn up. It wasn't unusual to see
hat for protection from falling debris.           wasn't possible she had worked that               people without a leg or an arm."
   But that wasn't all. No detail of her          long. Miss Rukavina had become his                   A year later she was back in Yu­
life was overlooked. Barbara Parr put             "trusted adviser and friend-an advo­              goslavia accompanying Bank Presi­
together a memoir of those 38 years,              cate of fairness and understanding of             dent and Mrs. Eugene Black on a visit
and Eugenio Lari, Director of                     the staff and their problems," he said.           to Yugoslavia and West Germany fol­          I

EMENA Country Programs Depart­                       In the early days the Bank was "an             lowing the Annual Meeting in Paris.
ment I where Miss Rukavina worked                 intimate place," remembered friend                She went along as a translator and
for the last 12 years as an Administra­           Helen Paulson, former Chief of the                "did whatever I could. On the eco­
tive Assistant, gave a warm tribute.              External Debt Division. "We had a                 nomic mission we had a lot of paper-

                                                                                                           THE BANK'S WORLD I JANUARY 1986   7
work. With Mr. Black, it was a differ­    said that as the institution grows larg­   world seems to be falling apart. And I
ent type of work. But you had to be       er it is more difficult to keep the per­   don't think this is something that can
alert and informed all the time. If you   sonal touch, but she thought people        be taught. It all comes back to people.
made a mistake, that was it. He had to    still come to the Bank, as they did in     It's the people who make the institu­
be briefed on the train or plane about    the early days, because they believe       tion work-all of them."
each country because he was always        they can make a difference. "We may           How does she feel about leaving?
being met by the press.                   not realize it as much because of the      "I'm not the least bit worried about
   "I met many political leaders, and I   numbers, but I think people do feel        how I'll spend my time. I plan to stay
remember being introduced to Mar­         they can have an impact. They don't        in Washington, do some traveling, and
shal Tito. The Rukavina name is a         change that much.                          I'll probably take courses for my own
well-known one in Yugoslavia, and he,        "I think the Bank's great achieve­      enjoyment about music and art histo­
too, knew the family name."               ment is that each day we are able to       ry. And maybe I'll get involved in
  Talking again about the Bank, she       organize and work together while the       some community activities." II




Revisiting the Housing Specialist 

      ore than 5,000 Bank staff have         Mrs. Gargour's office is packed         bility for whether or not people are
M      sought Nevine Gargour's ad­
vice over the last three years. She has
                                          with information to help staff. There
                                          are New Home Guides, Apartment
                                                                                     compatible. "If they are interested in
                                                                                     sharing, I'll give them some names of
helped people buy, sell and rent          Directories and plenty of other litera­    others who want to share, but I won't
homes, even share homes. Share?           ture for the prospective home buyer or     interview them about whether or not
"Nowadays housing is so expensive,"       renter. Mrs. Gargour can also help         they like loud music or pets. That
she says, "it's a good way to improve     with short-term arrangements. A fam­       part's entirely up to the individuals."
the quality of accommodation you          ily going off for an extended home            She does matchmake when it comes
can afford, especially for young peo­     leave might want to rent their Wash­       to recommending agents to Bank
ple just starting out."                   ington home for a couple of months­        staff. When a staff member is seeking
   The Bank opened a Housing Office       and a consultant coming into town at       to buy or sell, Mrs. Gargour has, as
more than three years ago as a service    that time may be delighted to find a       she says, "all the right contacts," and
to staff. Priority is given to newcom­    short-term rental, especially ifhe or      takes pride in finding the perfect
ers, but all staff are welcome to con­    she is bringing a family along too.        match-the best agent to handle the
sult Mrs. Gargour, who is associated                                                 arrangements. She knows who is the
with Coldwell Banker, one of the larg­    Renting a Room                             specialist in a certain area, and who
est realtors in the Washington area.         Another couple may find their big       deals in houses or condominiums in a
She does not act as an agent but as a     house rather empty once the children       particular price range or who is most
counselor, providing professional ad­     have grown up and left. If they would      knowledgeable about a particular type
vice to staff members on housing op­      like to consider renting a room or         of property.
tions in the Washington area and as­      two, Mrs. Gargour knows of staff
sisting them in locating housing to       who would be delighted to find such        Financing a Property
meet their individual needs. She refers   accommodation, especially newcom­             Mrs. Gargour is also expert at ad­
staff to an agent when appropriate,       ers who do not know the area and are       vising staff about various aspects of
although not necessarily an agent as­     not yet ready to settle into an apart­     financing a property, even counseling
sociated with Coldwell Banker.            ment of their own.                         on appropriate price ranges according
                                             Other people group together to          to one's salary-should you seek such
Office Has Moved                          share the rental on a house or apart­      guidance. But she does not involve
   An article about the service ap­       ment. "It makes financial sense, espe­     herself in legal or tax matters, even
peared in the January 1984 issue of       cially for singles, and has the added      when they are property related.
The Bank's World. Since then, the of­     benefit of helping prevent loneliness in      If you want to buy or sell, or rent
fice has moved to the S building, and     a big city; a good way to meet more        for a long or short term, or even if you
the extension is now 3-3288, but the      people," says Mrs. Gargour, who            would like to rent out a room or find
hours remain the same-Tuesdays            adds, jokingly, that she does not act as   one to move into, Mrs. Gargour can
through Fridays, 9:30 a.m. to 4 p.m.      "matchmaker." She takes no responsi­       probably help you. II

8   THE BANK'S WORLD I JANUARY 1986
After convincing the pilot of the Hercules aircraft to make a pass over the railroad car and then finding a driver and his camel nearby, Aurea
Irene Singh was able to shoot this photograph in the western Sudan. The juxtaposition of modern and old conveyances in the fight against hunger
in that country makes a dramatic picture.                                                                                     Photos by Aurea Irene Singh




The Drought in Sudan: Looking at It
 hrough a Wide-Angled Lens
by Aurea Irene Singh

 (Editor's note: The author is the wife                But I can't give up. The idea has                    Before he leaves, he asks, "Would
ofJasdip Singh, the Bank's Resident                 been on my mind for a while and the                  you take a picture with my camera?"
Representative in Sudan. Mrs. Singh                 Emergency Airbridge is coming to an                  "With pleasure," I reply, "but you will
does free-lance photography for the Eu­             end. The train station is within walk­               have to fly over twice."
ropean Community Emergency Team.                    ing distance from the Nyala airport                     As I wait I see, like a mirage in the
In this article she tells about her expe­           and the captain has half an hour be­                 distance, a camel. In the heat of the
riences in Sudan during the drought                 fore he returns to Khartoum.                         early afternoon and with my heavy
 when the ECfielded an emergency team                 I decide to show him some of the                   bag, I run as fast as I can trying to
 which did most ofits work around Dar­              previous pictures I have taken. He                   remember the words in Arabic for
fur. The ECET set up an airbridge from              looks at them and agrees to come with                "come here and please wait a mo­
 Khartoum to Nyala, el Fasher and el                me to the railway station.                           ment." Too many words to remember.
 Geneina to supply people in the area                 It takes us 5 minutes to walk, and                    As I approach him I hear myself
 with essentialfoodstuffs and medical               once there, I explain to him exactly                 shouting, "Isma! Minfudlock, intajiib
supplies. Some ofthe dramatic photo­                what I want. He surveys the area                     humaar gatar."
graphs Mrs. Singh shot accompany the                calmly. "All right," he says, after a                   The camel driver looks at me as if I
story.)                                             long pause, "but are you sure no one                 am a completely crazy "khawaaja"
                                                    will complain?" I assure him no one                  (foreigner or stranger). I realize I have

I ask Captain Lind ifit is possible to
  fly his Hercules over the train, low
                                                    will. "They are used to it by now," I
                                                    answer. "The airbridge has been going
                                                                                                         just said, "Listen, please you bring
                                                                                                         donkey engine."
enough so I could get a good picture.               on since May, and the sensitive camels                  Out of breath and listening to the
He looks at me bewildered and an­                   now only open their mouths at the                    roaring sound of the plane taking off,
swers, "No way, lady."                              sound of the engines."                               I start again. This time instead of

                                                                                                                  THE BANK'S WORLD I JANUARY 1986      9
"humaar," I say, "fill," pointing to the   where the food is distributed by camel     ren come out of their huts to see the
camel and to the train. He smiles and      train to the nearest areas.                "khawaaja" on camel, and they laugh
says, "Jamal, jamal, no fill, Mumkin!"         I decide to take the camel train       hysterically when I greet them. As we
("Camel, camel, not elephant, can          which will leave el Geneina for Beida      leave the town, it is peaceful and quiet.
do!") "Aiwa, aiwa,jamal," I say, and       at 4 p.m. In the marketplace, where        I only hear the leaders of the camel
we run together toward the train in        the camels have rested during the day,     packs converse with each other occa­
time to get my camera ready.               the leaders are getting ready to load      sionally. I want to know what they
   This trip is one of many I have made    them with food.                            say. We have reached the dirt road,
to Darfur, one of the worst hit drought        Through the interpreter, I talk to     and there a car awaits to take me back
areas in the western part of the Sudan.    the camel leader, and he agrees to take    to el Geneina where I will spend the
One month after my husband and I           me to a point where there should be a      night.
arrived in Khartoum, the European          car waiting for me. The leader believes       The waters under the Bailey Bridge
Community Emergency Team offered           it is not a good idea for me to travel     in the city of el Geneina have almost
me ajob as official photographer. I        so far, especially when he hears that      dried. "You should have seen it two
started immediately with much enthu­       the only time I went on a camel was in     months ago," Aidan, my guide, tells
siasm, as my idea was to travel as         the Delhi zoo. "It takes four to five      me as we cross it on our way to the
much as I could during our years in        days sometimes, and although this trip     Asernai camp.
the Sudan.                                 is shorter, you will not be able to do
   Due to the floods and the soft          it," he says.                              Bridge Washed Away
ground, it is impossible for trucks or         As soon as I climb on the camel           "One morning in July we woke up
any vehicle to get through to the areas    with its four sacks of food I am con­      to find the bridge washed away in a
where the emergency food and medi­         vinced he is probably right.               violent torrent. You can imagine what
cine are being distributed. From               It is a slow, swinging trip. We pass   a catastrophe it was for the 25,000
Khartoum, the airplanes fly daily to el    fields of grown millet, which shine        refugees at Asernai camp," he contin­
Geneina, el Fasher, and Nyala from         against the setting sun, and the child-    ues. "The planes brought the parts for
                                                                                      the new bridge, and it was ready in no
                                                                                      time."
                                                                                         On the way, we have to stop several
                                                                                      times as the wheels of the car are
                                                                                      completely submerged in sand. Aidan
                                                                                      and the little boy who serves as his
                                                                                      helper patiently dig out the four-wheel
                                                                                      drive vehicle, and we continue our
                                                                                      trip. "Where does the boy come
                                                                                      from?" I ask Aidan. "I don't know,"
                                                                                      he answers. "One day he followed me
                                                                                      to my house, I gave him some food
                                                                                      and ever since he does not leave me."
                                                                                         After a two-hour drive, we see As­
                                                                                      ernai camp in the distance. The houses
                                                                                      where the doctors and nurses live are
                                                                                      made of straw. They have cone­
                                                                                      shaped roofs. Although it is still early
                                                                                      in the morning, I see lines of women,
                                                                                      children and men on their way to the
                                                                                      food distribution center, to the hospi­
                                                                                      tal or to fetch water from pipes strate­
                                                                                      gically placed around the camp. Hun­
                                                                                      ger is unknown to me, and the sight of
                                                                                      children with their bowls filled with
                                                                                      lentils reminds me of those who have
                                                                                      died in the drought. These children
                                                                                      will probably live through this experi­
                                                                                      ence never to forget it. I know I will
The hungry await the camel trains.                                                    never forget what I have seen.      II

10   THE BANK'S WORLD I JANUARY 1986
Africa: The World's Greatest
Development Challe.  nge


                                                                                                           Ernest Stern




Ernest Stern. Senior Vice President, Operations, spoke to the        With regard to public sector management, fiscal deficits
Development Assistance Committee in Paris in December.            in Sub-Saharan Africa are at the lowest levels since 1980.
Here are excerpts from his remarks about DA C's Agenda            Tn the parapublic sector, the first steps at divestiture are
Item 3 on Operational Lessonsfor Programming and Coor­            occurring (during 1980-84, roughly 5% of public enterpris­
dination:                                                         es have been divested or closed), and governments have
                                                                  strengthened monitoring and improved parastatal policies.

A    frican governments have demonstrated an increasing
      willingness to undertake difficult structural and sector­
al policy and institutional measures. There is a realization
                                                                     Since 1984, some 16 donors have made generous contri­
                                                                  butions to the Special Facility for Sub-Saharan Africa. We
                                                                  now have about $1.3 biIJion. not counting the contributions
that the exchange rate must be seen as a policy instrument        of some special joint cofinanciers for the second and third
to promote development. African countries. on the whole,          years.
have stayed the real effective appreciation observed in the          As of November 30, seven projects in four countries­
 1970s. In 1984, six countries managed real devaluation in        Ghana, Togo, Zaire, Zambia-had been approved, totaling
excess of 10%, and several have shown that it is possible to      about $200 million. There also have been some actions by
engineer substantial real depreciations and gradually rees­       bilateral donors to increase the flexibility of their programs
tablish viable levels. Zaire and Zambia have adopted inno­        and the responsiveness of the special needs of Sub-Saharan
vative, market-determined exchange allocation systems.            Africa.
   There is also growing recognition of the need to increase
incentives to the agricultural sector, often at the expense of    Larger Share of Non-Project Assistance
the urban elite and civil servants. In most African countries,       The composition of aid has improved by including a
the real value of producer incentives has been maintained         larger share of non-project assistance, and debt reschedul­
in the 1980s, which has meant that rural incomes have             ing agreements are increasingly generous and flexible.
increased relative to urban incomes. In Madagascar,                  But more needs to be done. For example, in Ghana about
Ghana, and Zaire, market or producer prices of food and           three-fourths of such program aid continues to come from
export crops have increased much faster than urban wages.         multilateral donors. Additional support is needed in the
While there is a long way to go to restore agricultural           volume of program aid by more donors, and, in many cases,
incentives, including improved institutions, research, infra­     program aid continues to be provided on a haphazard
structure and technology, the general deterioration wit­          basis-I.e., without a meaningful planning horizon for re­
nessed during the 1970s is being arrested in more and more        cipients.
countries, and preliminary indications for 1985 are that the         Despite this progress, we have left much undone. The
process is accelerating.                                          major burden rests on (the African governments), and the

                                                                                              THE BANK'S WORLD I JANUARY 1986   11
task is excruciatingly difficult since it involves dealing with    the DAC, a nd any request for an increase in aid resources
needs for adjustment accumulated over two decades, in the          must be based on a reasonable assurance that aid resources
face of still weak institutions, fragile political systems and     will be, can be, utilized effectively.
major long-term developmen t problems. The external envi­             (a) There must be more effective country programs.
ronment has also been particularly hostile fo r Africa.            Development plans must include realistic three-year in­
   One of the points (made at the Annual Meetings) in Seoul        vestment programs, realistic assumptions about recurrent
was that growth-oriented adjustment required net addition­         expenditures and revenues, and an appropriate balance
al external capital. One of the lessons of the past 25 years       between maintenance and new investments. That is the
ofdevelopment is that money helps. It does not solve all           country's responsibility, but donors o ught to insist that this
problems, and it can be misused. But few countries have            criterion be met. We in The World Bank, the United
been able to mount effective programs ofdevelopment if             Nations Development Programme (UNDP) and bilateral
their domestic savings efforts are not supplemented by             donors can help to formulate these programs.
external savings. And, yet, we continue to ignore this basic          (b) Effective use of aid also requires longer term commit­
proposition in the hope that it is easier to change this           ments by donors.
relationship rather than national aid budgets. I do not               (c) Effective use of aid means more discipline in support
believe this is possible.                                          of agreed investment programs. Whether it is railways in
   Over the period 1980-84, net ODA (Official Development          Burkina Faso, sugar mills in Burundi, or iron mines in
Assistance) flows to Sub-Saharan Africa increased by about         Senegal, there is constant pressure on countries to under­
5%, not enough to offset the decline in non-concessional           take projects which are not suitable. Some projects may be
assistance. The drop in net flows was most dramatic in             sound, but to undertake them today would be premature
middle-income countries, but netflows also declined by over        given the reductions in investment programs which have
10% in low-income countries. This simply cannot be con­            taken place and the well-known problems of recurrent costs
sistent with greater efforts of adjustment and accelerated         and idle capacity.
growth. It reflects the interaction between debt repayments            (d) To assure more effective use of aid there needs to be
and stagnant or declining aid budgets. But it leads me to          more effective discipline in balance-of-payments support.
two basic propositions:                                            While it is essential to increase the flow of vital imports for
                                                                   the public and private sectors, program aid should be based
                                                                   on a critical assessment ofreal needs, and both commit­
Aid Budgets Must Increase
                                                                   ments and disbursements should be closely linked to imple­
   First, no provider ofdevelopment assistance-ind ividual         mentation of agreed adjustment measures. We should work
country or multilateral institution- should be allowed to be       toward multi-year projections of needs, multi-year commit­
in a net negative disbursement situation to any Sub-Saharan        ments of non-project assistance and appropriately phased
Africa country with a satisfactory development program.            disbursements based on rigorous monitoring by multilater­
Whether this is done through retroactive terms adjustment,         al institutions of the adjustment process.
rescheduling or increases in gross commitments on conces­              (e) Effective use of aid requires explicit recognition of
sional terms could be left to each donor, depending on the         good performance. As we stress the need for developing
circumstances.                                                     countries to establish clear priorities within a constrained
   Second, aid budgets must increase if African growth             environment, so we must urge ourselves to establish prior­
prospects are to improve.                                          ities in the allocation of aid which reflect performance. That
   Just as an increase in net commercial bank lending is vital"    is the best way to assure the effectiveness ofaid.
to the growth of the heavily indebted middle-income coun­              The issue of coordination has also been the subject of
tries so is a net increase in financing from official sources to   many discussions in the DAC. We still need to do more
the growth of the low-income countries. We continue to             (though) to make Consultative Groups and Round Tables
believe that a 50% increase in gross disbursements in               fully effective; we need to deepen and extend collaboration
1986--90 over the 1980-84 period is essential. A first step         among the Bank, the Fund, the UNDP and the regional
surely is to maintain recent aid levels-although the                development banks. We also need to improve intra-govern­
drought is now over, the crisis in Mricais not.                    mental coordination in DAC countries, and, finally, the
   Effectiveness of aid has been a major preoccupation of           coordination effort must be extended to other donors.          II

12   THE BANK 'S WORLD I JANUARY 1986
Africa's Environmental Challenges
and The World Bank's Response

                                                                                         Edward V.K. Jaycox


Edward V.K. Jaycox, Vice President , Eastern and S outhern         mental support system is breaking down, and will certainly
Africa Region, recently delivered a speech at the Conference       break down under tomorrow's population densities unless
on "Ecology--Environment in Africa" he/din Antanarivo.             the causes are recognized and dealt with right away.
Madagascar. Mr. Jaycox discussed "Africa's Environmental              While the recent drought conditions have riveted atten­
Challenges and The World Bank's Response. " Here are               tion on Africa's problems. the breakdown I am talking
excerptsfrom his remarks:                                          about is attributable to trends that are well established.
                                                                   having persisted over a long term- namely rapid popula­

T    hroughout Africa the physical environment is being
     degraded at an unprecedented rate. We are facing
ecological deterioration which is severely undermining Af­
                                                                   tion growth and agricultural policies that, in eifect, promote
                                                                   environmental abuse.
                                                                      I want to bring the ecological issues we are facing and
rica's economic future. Tills deterioration must be reversed .     discussing these days squarely into the mainstream of the
   The magnitude of Mrica's environmental crisis shows             issues facing Africa, where they belong. This emphasis, this
clearly that we have a disaster on our hands.                      concern for the African environment, is not a separate issue,
   Africa's present population growth of over 3 % a year is        not a fad or an issue that is captive to certain interests or
the fastest of any continen t, and if this growth rate persists,   pressure groups and not amenable to a separate special or
its population will reach 1.2 billion by the year 2000, up         heroic effort. It is there at the center of those interrelated
from just over 550 million today.                                  issues which derive from an inadequate policy environment.
   Already, traditional Mrican farming practices are no
longer sustainable. Due to population pressures, we can no         Agriculture Is Key to Environmental Crisis
longer depend on adequate fanow periods to restore soil                The need for wise policy and action on the'population
productivity. Cultivation and grazing are being pushed into        frorit is obvious. I will not dwell on this today, even though
marginal lands and forests. In many countries, forest cover        it is of critical importance, and the realization ofits impor­
is being stripped away with severe, adverse impact on soil         tance has dawned slowly on Africa-much too slowly. In
fertility, household fuel supplies~ watershed protection­          1975, there were only two cou ntries in Sub-Saharan Africa
some even claim on the level of rainfall itself.                   with family planning programs; today, there are only 13.
   Africa's forests have been cut in half during this century,     Very few African countries have adopted comprehensive
and the rate of destruction is accelerating. I remember as a       population programs, and many of the existing programs
student hitchhiking across Africa. One of my most vivid            are limping badly.
memories was of the thickly forested areas of Ethiopia. I              Unchecked population growth will surely ruin the ecolo­
returned to those same areas in 1984-some 20 years later­          gy of Africa-but we know that the environment will
and they are gone. The forests have literally vanished inless      eventually take its revenge through desertification, drought,
than a generation. This is happening all over Africa, and it       famine and high rates of human mortality.
must be stopped. If we project this accelerating trend~ we             r would like to emphasize today what I believe is obvious:
will find, at the end of the road, desertification which is, in    Mrican agriculture is key to the environmental crisis and to
essence, biological death.                                         its solution.
   The simple fact is that the stable and life-sustaining              For too long now, Africa has been "milking" agriculture
relationship between the people of Africa and their environ-       to finance premature industrial and prestige projects. For

                                                                                               THE BANK'S WORLD / JANUARY 1986   13
     too long, low priority has been given to investment in            ments will have to make a commitment to make sustainable
     modernizing peasant agriculture. For too long, African            agricultural development their top priority. Once that has
     countries have been pursuing price policies which favor the       been clearly established, we see an urgent need, on a country
     urban populations but which, in fact. discourage intensive        by country basis, to articulate sound policies for the agri­
     land husbandry~iscourage investment in the land by                cultural sector and environmental protection-and rejuve­
     farmers and pastoralists alike and in general prohibit mod­       nation. We see the need for sound. sustainable strategies
     ernization of the peasant agricultural sector. The neglect of     covering such subjects as agricultural and environmental
     peasant agriculture has been passed on by the farmers to          investment, research, extension, soil conservation, land use
     their land-where the toll is taken- the consumption of            planning, agricultural credit, marketing and agricultural
     their God-given endowment.                                        pricing increase. The strategies should incorporate ade­
         Producer prices have been typically set by governments        quate incentives, minimal red tape, willingness to innovate
      at levels which discourage the use of inputs. such as quality    and, in general. create a productive environment which
      seeds and fertilizer, even though these inputs are often sold    encourages sustainable development and ecological protec­
      at subsidized prices which are unsustainable in themselves       tion.
      and limit the use of these factors of production by the extent
                                                                       Mobilize Additional Support
      of affordable subsidies.
         Marketing arrangements, often of a monopolistic na­              It is within this framework of government encouragement
      ture-marketing organizations that have come to resemble          for a flourishing fanner community that we are willing to
     employment programs-are regularly of such inefficient             guarantee our support, both technically and financially, and
      nature that producer incomes are further depressed.              far beyond our own resources to mobilize additional sup­
         Smallholder investment in agriculture and agricultural        port from other donors.
      services has been discouraged by the lack of profitability of       Our financial support is available for pilot projects where
      agriculture. Public investment in research, extension, infra­    technical innovations still have to be tried out, for full scale
      structure, credit institutions, and the like have been inade­    research programs which are of high priority to assure
      quate and relegated to a relatively low priority compared to     continuity of technical packages becoming available, for
      other sectors of the economy.                                    extension systems to ensure rapid dissemination of research
         Farmers have been retreating into a subsistence mode,         breakthroughs to the farmer, for credit projects to provide
      and have been forced to abandon investment. and thereby          the farmer with much needed short-term and medium-term
      to, in effect, mine their land in order to survive.              financial backing, and, of course, for a full range of pro­
II
II                                                                     grams which are directly aimed at reversing ecological
     Day of Reckoning                                                  degradation like reforestation, conservation and land-use
       What the environmental crisis is teJIing African policy­        efforts, forest management schemes and rural wood plant­
     makers is that they are not going to get away with this.          ing programs. Finally, we are also supporting major policy
     Their policies are forcing fanners to consume their equity,       reforms of a sectoral or economy-wide nature through a
     their capital-the land, and the day of reckoning is surely        series of quick-disbursing cash-injection loans and credits­
     coming. The establishment of policies and incentives that         for which reforms of the nature I have been describing
     encourage environmentally rational behavior throughout            would certainly be eligible.
     national economies is required if the environment is to be           I want to make it clear that we in the Bank are willing
     protected and the economic potential of Africa is to be           and enthusiastic to support financial1y all good ideas in
     sustained and realized.                                           modernizing agriculture and protecting or repairing the
                                 • • •                                 environment if governments are pursuing the correct prior­
                                                                       ities and have reasonable adjustment programs in place. But
        What is The World Bank response to the issues facing us        the key to success is the people themselves, not massive
     and under what circumstances are we willing to assist Africa      public sector interventions which are not sustainable. What
     in its efforts to stop the destruction of its environmental       is sustainable over the long run is the adoption of policy
     resources?                                                        packages which will get the people themselves involved in
        First of all, we cannot swim against the tide. Govem­          the land once again. II

     14   THE BANK·S WORLD I JANUARY 1986
International Program Is Eradicating River Blindness

                                  na 

Life Returns to West African Savan,
by Leandro V. Coronel

    he dreaded blackfly used to drive
T    the people away in droves. They
fled the fertile river valleys of the West
African savanna to escape the blackfly
that transmitted onchocerciasis, a dis­
ease that had been causing widespread
blindness in the region. The exodus
had left the communities abandoned
and the land unproductive.
   But not anymore. The people are
migrating back to the abandoned
lands. New villages are sprouting.
And agriculture has begun again on
the land now rendered safe for reset­
tlement.
   In a showcase of cooperation, the         Healthy villagers from a new village near the Leraba River in Ivory Coast. Resettlement of the area
governments of seven nations in West         has been possible because of the success of the Onchocerciasis Control Programme.
                                                                                                                    Photo by World Health Organization
Africa and the international develop­
ment community banded together in            opment Programme, the World                         dorsed a plan of operation and a fund­
1974 to establish the Onchocerciasis         Health Organization, and The World                  ing agreement for a third phase to
Control Programme. Its mission:              Bank sponsor the Onchocerciasis                     extend the eradication campaign
eradicate the blackfly. Today, 90% of        Control Programme. WHO is the ex­                   westward into Guinea, Guinea-Bis­
the area the Programme covers is safe.       ecuting agency, and the Bank admin­                 sau, Sierra Leone, Senegal and west­
And, a new generation of nearly 3.5          isters a trust fund made up of grants               ern Mali, and to the south to Togo,
million children, born since the oper­       from 20 donor nations and institu­                  Benin and Ghana. Estimated to cost
ation began, is growing up without the       tions. The Bank is also responsible for             $133 million, this phase will cover
risk of contracting onchocerciasis.          raising funds for the Programme,                    more than 2-1/2 times the length of
                                             which has its headquarters in Ouaga­                river valleys the second phase covered.
Debilitating Disease                         dougou, Burkina Faso.                                  At a meeting last October, virtually
   Onchocerciasis, also known as river          Research is going on to find an                  all the donors agreed to maintain or
blindness, is a debilitating disease         effective drug to treat victims or pre­             increase their contributions at the lev­
caused by a threadlike parasitic worm.       vent the disease. For now, its spread is            els provided for the second phase. The
It is passed to human beings by the          being controlled by destroying the lar­             World Bank, which had already con­
bite of a female blackfly which needs        vae of the blackfly by spraying insec­              tributed $18.5 million to the Pro­
blood to develop its eggs. The adult         ticides on hundreds of breeding places              gramme, announced it will contribute
worms develop in nodules under the           in fast-flowing rivers. The eradication             $13 million for the third phase
human skin and produce microscopic           campaign, organized in six-year pha­                (1986-91), about 10% of the total
worms that travel through the skin           ses, ran from 1974 to 1979 and from                 cost.
and other organs. When they reach             1980 to 1985. The first phase received                The Onchocerciasis Control Pro­
the eyes they cause blindness.               a funding of$53.8 million; the second,              gramme is one of the Bank's most
   In 1974 about 30 million people           about $108 million.                                 effective cofinancing operations. Each
throughout the world suffered from               The Programme has covered an                    dollar the Bank contributes generates
the disease. Most of those affected           area that is about 1-1/2 times the size            at least $9 from other donors.
lived in West Africa, particularly in         of France and where about 17 million                  And, more important, is the fact
Benin, Burkina Faso, Ghana, Ivory             people live. Transmission of the dis­              that people who had been driven away
Coast, Mali, Niger, and Togo in the          ease has now been stopped in 90% of                 by the blackfly are reestablishing
Volta River basin.                            this area, and parasites that still exist          communities and becoming produc­                        t .
   The United Nations Food and Agri­          are reaching the end of their life span.           tive once more. The future is brighter
culture Organization, the U.N. Devel-            The Programme's donors have en-                 for the next generation. II

                                                                                                         THE BANK'S WORLD I JANUARY 1986           15
      Bank, Government Officials Evaluate a Decade of Lending 


· f
      Taking Stock of Urban Development
      by Marjorie Messiter

                                                                                               "That doesn't mean giving up on
      I  n the 20th century the world's pop­
          ulation made the transition from
                                                    Anthony Churchill, Director of the
                                                 Water Supply and Urban Develop­            projects, but they should be used as a
                                                                                            vehicle. Urban development is a mac­
      rural to urban living. City dwellers       ment Department (WUD), summed
      accounted for less than 5% of the          up his view this way: "Tomorrow's          ro issue and cannot be dealt with ex­
      population in 1900, but by the year        cities are here today, but in the Bank,    clusively on a project basis.
      2000 two out of three people will live     and in developing countries, the scale        "We feel poverty alleviation and
      in urban areas. And further massive        of the urbanization problem is not         targeting are very sensitive issues and
      urban growth is inevitable. The only       adequately recognized, nor is the proj­    easy to lose sight of. We have to con­
      question is, can it be managed? Or,        ect approach adequate to the task.         stantly remind ourselves whether the
      will cities be ungovernable, with sewer       "Urban growth is the result of          needs of the poor have been ad­
      pipes breaking, garbage left uncollect­    strong underlying political, economic      dressed."
      ed, and children feeding out of dust­      and social factors and cannot be              President A.W. Clausen launched
      bins?                                      stopped. Either you deal with it, or it    the discussion with a welcoming
          By 2000, there will be 20 megalopo­    will deal with you," he warned. "There     speech, and Vice Presidents Edward
      lises in the developing world with         is so much waste and inefficiency in       YK. Jaycox and S. Shahid Husain,
      more than 20 million inhabitants, and      city management that enormous gains        and Mr. Churchill spoke during the
      most of them will be poor. Such            for relatively low cost are possible."     week. Otherwise, the guests led the
      growth is assured mainly because the                                                  panel discussions and workshops.
                                                 Decide What to Manage                      They looked critically at their own
      birth rate is increasing among people
      already living in cities. Rural migra­        "The first thing a city manager has     and the Bank's performance covering
      tion is a still a factor in the boom but   to decide is what he wants to manage.      some difficult and common problems
      is outweighed by this built-in growth.     We put effort into building shelter for    including cost recovery, institution
          Ten years after the Bank first an­     the few, yet the evidence suggests peo­    building, and land management.
      nounced it was expanding its urban         ple do a good job of providing shelter        Borrowers did not always agree
      development programs to developing         for themselves. What they cannot pro­      with the Bank's definition of efficient
      countries, the Water Supply and Ur­        vide for themselves is the land and the    city management. And, in turn, they
      ban Development Department invited         services-schools, clinics, water sup­      called for streamlining Bank proce­
      representatives of 100 borrowing           ply, sewerage, garbage collection and      dures, citing delays in project imple­
      countries-ministers, mayors, heads         transportation.                            mentation which contribute to cost
      of housing agencies-and other donor           "City managers should concentrate       increases. International bidding, they
      organizations to come to Washington        on what the public sector can do best,"    said, also discriminates against emer­
      one wintry week in December for a          he said.                                   gent local contractors who are unable
      stocktaking session.                          Speaking for the developing coun­       to compete against international cor­
                                                 tries, K.C. Sivaramakrishnan, Direc­       porations.
      More than $3.8 Billion                     tor of India's Ganga Authority, said:
         The Bank has invested more than         "We thought through sites and ser­         Full-Cost Recovery
      $3.8 billion in 100 projects covering      vices projects it was possible to get to      The Bank's position on full-cost re­
      sites and services, urban transport,       the heart of the problem. But we           covery is that it is not an option but is
      training and urban management. Yet,        learned that the heart was much            essential to generating new funds for
      most efforts, especially those to pro­     more, and we needed an integrated          investment. Unless costs can be recov­
      vide housing for low-income people,        approach. The consensus of member          ered, projects cannot be replicated on
      have helped only a fraction of the         countries is that we want shelter proj­    a large enough scale to meet the needs
      masses of urban poor, and often have       ects, but we want a wider focus in the     of the urban poor.
      ended up benefiting higher-income          context of the sector. We also want           The borrowers argued that this ob­
      groups.                                    assistance for the transportation sec­     jective is always difficult to achieve,
         The question before the partici­        tor-for operations and policies-not        especially in shelter projects, and such
      pants was: Are our priorities right?       just procurement.                          attempts will inevitably limit the be­

      16   THE BANK'S WORLD I JANUARY 1986
neficiaries to middle-income groups.          Borrowers accepted the criticism            private sector can undertake much
Some borrowers suggested the solu­          that inefficient land markets and inad­       more easily, he said.
tion may lie in a more integrated ap­       equate land management are major                 Colonel A.A. Fernando, Assistant
proach to municipal administration          bottlenecks to housing the poor.              General Manager, National Housing
that would allow for cross-subsidiza­       "There is no shortage of land," said          Authority, Philippines, said his gov­
tion of projects. Affordable design         John Mbogua, Kenya's Permanent                ernment is trying to bring the private
standards and greater community par­        Secretary, Ministry of Local Govern­          sector into low-income housing. They
ticipation in project design and imple­     ment, and Co-Chairman of the meet­            have learned from the Tondo projects
mentation would go a long way to            ing, but acquisition of premium land          that if ownership is assured, people
increasing cost recovery, they con­         by government is costly in both time          will invest in their own housing. In the
tended.                                     and money. Readily available margin­          future, the government hopes to leave
                                            alland is usually far away from where         sites and services projects to the pri­
High Priority                               the jobs are.                                 vate sector entirely and concentrate on
   Borrowers put high priority on in­          Does any government have a policy          reaching even lower income levels.
stitution building, training and trans­     for facilitating land acquisition by
fer of know-how among developing            low-income groups near employment             More Flexible Operations
countries. They argued that the             areas? A representative from Ethio­              At the end of the week's discus­
Bank's response to inadequate institu­      pia, citing the importance ofland ac­         sions, Mr. Paskaralingam said the ex­
tional capacity~stablishing project         quisition in the cost equation, asked         ercise had thrown light on inefficient
management units-is, more often             this question.                                basic issues which hinder progress and
than not, counterproductive. The                                                          should result in smoother, more flexi­
units are not integrated into a minis­      Government Planning                           ble operations. The participants
try's administrative structure, and            The answer, said a Kenyan official,        reached a consensus on the need to
staff of these elite units, who are paid    lies in government planning and set­          improve their financial and adminis­
higher salaries than other civil serv­      ting aside cheap land for the poor. But       trative structures. The Bank's techni­
ants, often opt to work abroad rather       this approach is difficult. His govern­       cal assistance was "most welcome,"
than return to their former jobs. Thus,     ment had to contend with lengthy              but Bank procedures need to be
the skills they acquire are lost to the     court proceedings when trying to ac­          streamlined and more flexible.
government once a project ends. The         quire land. R. Paskaralingam, Secre­             What participants seemed to appre­
Bank should aim at upgrading total          tary, Ministry of Local Government,           ciate most was the opportunity to talk
institutional capacity, use more local      Housing and Construction in Sri Lan­          shop with each other. "I'm very glad I
experts and entrepreneurs, and              ka, and Co-Chairman of the meeting,           am here," said one official, "mainly
project-related training should be seen     said his country has a compulsory             for the chance to learn how my coun­
within the context of overall policy        land acquisition program, but consol­         terparts are dealing with these issues.
training. The Bank should also focus        idating the land is difficult especially if   When I go home, I can say that's not
more attention on what EDI can do in        the government is doing the consol­           how they said it should be done in
this area.                                  idating. Consolidating is a task the          Washington." III



u~me~                          ________________                                                                         ~              

Audio Teleconferencing                                              equipment. Questions may be referred to the Chief, Confer­
   In order to provide fast, efficient and cost-effective com­      ence Services Section. Support Services Division. ADM .
munications among Headquarters, Field Offices and
clients, facilities are being provided to permit staff to           For Your Information
communicate via audio teleconferencing when telephone                 Administrative Circulars were distributed desk-to-desk
conference calling is not adeq uate. Audio teleconferencing         when there was timely information to be sent to staff-staff
means communicating via telephone lines, using portable             announcements, one-time brief reminders of policy, film
microphones and loudspeakers, strategically placed in cer­          showings, and so forth . On January 2, Administrative
tain designated conference rooms. It allows parties in aU           Circulars were replaced by "For Your Information." FYIs
locations to participate actively in a meeting. The Audio­          serve the same purpose, but the new name and design
visual Unit, Administrative Services Department, is respon­         prevent confusion with Administrative Manual Circulars,
sible for providing the equipment, and it can provide des­          which announce administrative policies and procedures and
criptive literature explaining the use and function of the          are filed in the Administrative Manual.


                                                                                                THE BANK'S WORLD I JANUARY 1986   17
                                                                                                         partment and a contest organizer, re­
          Frame Shop Adds Luster to Pictures                                                             turns the compliment: "They did a
                                                                                                         terrific job; I'm extremely pleased.
.   l:~
          Frames of Distinction                                                                          Not only did they do a fine job of
                                                                                                         framing, but they selected the nice
          by Marjorie Messiter
                                                                                                         colors of the mats, which is to say they
                                                                                                         have good taste."
                  would like to add some color to       He says he's got the best part of the               They also framed the duplicate
          Y    OU
               your office, but you can't decide
          what would do the trick. You have
                                                      job-hanging the finished product.
                                                      "Taking work back is most enjoyable.
                                                                                                         presidential photographs hanging in
                                                                                                         the Archives, and mounted the photo­
          that batik given to you during a recent     When I'm walking down the street,                  graphs, sketches, and letters that are
          mission which, with the Administra­         people stop to take a look, and staff              part of Archivist Bogomir Chokel's
          tive Services Department's permis­          are pleased because they aren't expect­            popular historical exhibition of old
          sion, you may keep for your office,         ing all they get."                                 Pennsylvania Avenue. Says Mr.
          and you have that map showing your            "He's our P.R. man," Mr. Lawrence                Choke!: "They are very attentive and
          regional country assignments. In ei­        volunteers.                                        follow instructions carefully. I never
          ther case, a good framing job is all                                                           have to return anything; whatever
          that's needed to add the finishing          Prefers Complicated Jobs                           comes back, I'm pleased with."
          touches.                                      "People haven't grasped what our                     Britt Gardhner, a member of the
             The Frame Shop in the Administra­        capabilities are, but they're catching              Art Society, says: "Tom and Taylor
          tive Services Department is the logical     on slowly," adds Mr. Lawrence, who                  take care of 90% of the hanging for
          place to turn, but you don't know who       prefers the more complicated jobs                   our exhibitions in the gallery on the
          is going to do the work and you have        where he can show some initiative.                  12th floor of the E building. They do
          qualms. Will the person care as much        One of his favorite tasks was matting               a really professional job." (This is not
          as you do about your office "at­            and framing the winning entries in the              ordinarily part of their job, but they
          mosphere"?                                  Transportation Department's "Think                  help the Art Society because of the
             Meet Thomas "T" Lawrence, Tay­           Transportation" photo contest. "It                  restricted use of the gallery space.)
          lor Burgess and Michael "Smiley"            was a real pleasure working with Mr.
          Coakley, who transform eclectic             Carnemark. He just let us go ahead                 Complaints Are Rare
          memorabilia, maps and some artwork          and use our judgment."                               Complaints are rare, but when they
          into the displays you see in our offices       Curt Carnemark, Senior Transpor­                receive one, the trio will try to fix the
          and corridors.                              tation Adviser in the Operations De-               problem. "We try to do things the way
             Says Mr. Lawrence, the shop super­
          visor: "The thing about this job is it's
          a frame of mind. If you want to fan­
          tasize, you can do just that. We gather
          around a picture and say 'wow, that's
          nice.' We can appreciate photos since
          they are for real, especially the project
          type of picture. You can see the work
          the Bank is doing."

          The 'Jaws'
             Colleague Taylor Burgess, who has
          been framing pictures for 18 years,
          likes working at machines such as his
          favorite saw, the "jaws," which has
          two giant blades for cutting metal
          frames, and the joining machine.
             Mr. Burgess and Mr. Lawrence are
          passing along what they know to Smi­
          ley Coakley, the youngster in the
          group, who has been working with
          them for about a year. Mr. Coakley
                                                      Getting it straight: The Frame Shop staff (left to right) Taylor Burgess, Michael "Smiley" Coakley
          too loves "messing around with ma­          and Thomas "T" Lawrence in the CGIAR offices on K Street hanging a mural they framed.
          chines."                                                                                                                 Photo by Michele lannacci



          18    THE BANK'S WORLD I JANUARY 1986
they should be done, but it's the staff   perspective and from the standpoint                    be quite time-consuming. "Even
member's decision," Mr. Lawrence          that the print or map will become part                 though a print could be meaningless to
says.                                     of the Bank's inventory." Thus, if the                 us, it means a lot to someone, and you
  "We look at a picture three ways,"      Bank frames it, the Bank keeps it.                     could mess up if you rush," Mr. Law­
he adds, "from the staff member's           Framing is not something to be                       rence says. "We look at everything
point of view, from our professional      rushed. Large and difficult tasks can                  that comes in as a nice piece of art." II


AroundtheBank~_ _ _ _ __                                                                                                              

Helping Others                            sored by the Community Relations                       being started with the funds, provid­
                                          Office.                                                ing a home for 15 youngsters who lost
Bank families helped others less for­        Various individuals and depart­                     their families in the earthquake. Mex­
tunate in many different ways last        ments in the Bank initiated their own                  ico is also a beneficiary of the Latin
year.                                     fund-raising efforts for certain causes,               America and the Caribbean Region
   The World Bank Volunteer Services      particularly to aid victims of two                     Bankwide raffle-$6,456 to be divided
(WBVS) continued its tradition of sell­   major disasters. Oscar Echeverri, a                    equally between Mexico and Colom­
ing UNICEF cards, and had record          Public Health Specialist in the Popu­                  bia.
sales of $32,972. Carla Scearce, after    lation, Health and Nutrition Depart­                      The Administrative Services De­
heading UNICEF fund raising for           ment, arranged for "El Tayrona," a                     partment had a raffle too, although
WBVS for II years, stepped down as        Colombian Folkloric Dance Group,                       theirs was limited to their own depart­
Chairperson at the end of the cam­        to perform at the Bank to benefit                      ment, which raised $1,344 for Chil­
paign so that someone else could have     Colombian victims of the volcano.                      dren's Hospital National Medical
the chance to lead the annual drive.      Staff attending that event contributed                 Center. II
   WBVS is also selling a "Put Your­      $413. And Rosita Estrada, a Secretary
selfin D.C." poster which was de­         in the Education Division of the Latin
signed by Bank spouse Craig Miller.       America and Caribbean Projects De­
The 24x32 inch poster is available in                                                            High Marks for Food Facilities
                                          partment, collected almost $6,000
the WBVS office, 1-1-172, costs $6        from Bank staff. The money has been                    The Bank's food facilities received
rolled or $7.50 mounted, and proceeds     given to a Mexican charity that cares                  high marks from the D.C. Health De­
from its sale go to the Margaret Mc­      for street children, and a new house is                partment in a recent check by that
Namara Memorial Fund which pro­                                                                  agency of cleanliness, sanitation and
vides scholarships to help women                                                                 safety.
from developing countries continue to                                                               In the Main Complex, the Coffee
study in the United States. To date,                                                             Shop and E Cafeteria received 90
WBVS has raised about $50,000 for                                                                points out of a possible 100, and the
the Fund by various activities, includ­                                                          D Cafeteria got 92. The H and I Caf­
ing sales of its international cook­                                                             eterias each rated a 98.
book, bazaars, balls, raffies and me­                                                               "Because we are an international
morial donations. They hope to dou­                                                              organization, we are not required to
ble that amount in 1986.                                                                         have a food service license or to have
   About 45% of Bank staff contribut­                                                            our facilities checked by the local
ed to the 1985 United Way campaign,                                                              health authority," says Walter E.
giving $277,568, and although no dol­                                                            White, Chief of the Food Services Sec­
lar amount can be attached to the                                                                tion in the Administrative Services
food and clothing drive sponsored by                                                             Department. "However, we have an
the Community Relations Office,                                                                  informal agreement with the D.C.
more than 10 fully loaded vans carried                                                           Health Department to check our facil­
away canned food and warm clothing,                                                              ities. We think it is in our best interests
which was distributed to the needy by                                                            to comply with local health regula­
 Bread for the City, the D.C. Depart­                                                            tions. "
ment of Human and Social Services         Fred Wright, an economist in the Applied Tech­            Mr. White notes that the Bank's            .:
                                          nology Unit, Water Supply and Urban Develop­
and the Rev. John Steinbruck of Luth­     ment Department, claims he was madly search­
                                                                                                 eating facilities have won numerous
er Place Memorial Church.                 ing for his own ticket to put on top. But really       awards from the Health Department,
   There were 4,000 Christmas gifts       he was stirring up the tickets, making sure            and scores in the latest inspection are        :t   ~
                                          everything was fair and square for the United
 given to patients at St. Elizabeths by   Way drawing last month.
                                                                                                 in line with scores achieved in the
 Bank staff-an activity also spon­                                 Photo by Giuseppe Franchini   past. II

                                                                                                        THE BANK'S WORLD I JANUARY 1986   19
     Senior Staff Appointments 



     .
     "fM1
          ;            LUIS DE AZCARATE, a French na­
                     ;-1



                       tional, has been appointed Chief of the
                       Resident Mission, Pakistan, effective
                       January 1. Mr. de Azcarate joined the
                       Bank in 1967 as an Economist in the
                       Africa Department. In 1970 he was
                                                                                     VINOD DUBEY, an Indian national,
                                                                                     has been appointed Director, Country
                                                                                      Policy Department, effective January
                                                                                      1. Mr. Dubey joined the Bank in 1965
                                                                                     as an Economist in the Economics
                                                                                      Department, and in 1968 he trans­



       71
                       appointed Resident Representative in                           ferred to the Creditworthiness Studies
                       Zaire and returned to Headquarters in                          Unit. In 1970 was assigned as an
                       1973 as Senior Economist, Western                              Economist and later Senior Econo­
                       Africa Country Programs I. He was                              mist, Europe, Middle East and North
promoted to Chief Economist, Western Africa Regional             Africa Department, where he became Chief Economist in
Office, in 1974. In June 1983 he transferred as Division         1975. In January 1984 he was appointed Senior Adviser,
Chief, Bank Assistance Policy, Country Policy Department,        Country Policy Department.
and was promoted to Director of the Department in De­
cember 1983.                                                                          ALEXANDER SHAKOW, a U.S.
                                                                                      national, has been appointed Chief,
                       MARC L. BAZIN, a Haitian nation­                               International Economic Affairs Divi­
                       al, has been appointed chief of the new                        sion, International Relations Depart­
                       Internal Organizations Division (an                            ment. Mr. Shakow joined the Bank in
                       integration of the U.N. Affairs Unit                           1981 as Special Policy Adviser in the
                       and Intergovernmental and Non­                                 Office of the Director, Policy Planning
                       Governmental Organizations Unit),                              and Program Review Departmen t. In
                       International Relations Department,                            April 1982 he was appointed Chief of
                       effective January 1. Mr. Bazinjoined                           the Policy Unit, Country Policy De­
                       the Bank as a Loan Officer in the         partment, and in April 1983 he transferred to IRD as Senior
                       Western Africa Department in 1968.        Adviser, International Economic Affairs. Prior to joining
He has also served as Deputy Chief in the Bank's Regional        the Bank, Mr. Shakow worked for the U.S. Peace Corps and
Mission in Western Africa, as Senior Loan Officer in the         the Agency for International Development.
Office of the Director, Western Africa Department, and as
Division Chief responsible for Mali, Niger, and Upper                                  JEAN-PHILIPPE HALPHEN, a
Volta, Western Africa Country Programs Department I.                                   French national, has been appointed
From 1976 to 1980 Mr. Bazin was seconded to the World                                  Manager of the IFC Europe Division,
Health Organization as Director of the River Blindness                                 Europe & Middle East Department,
Control Program in Upper Volta, and in 1981 he returned                                effective December 1. Mr. Halphen
to Haiti to serve as Director-General of the Industrial                                joined the Bank through the Young
Development Fund of Haiti. In October 1982 he rejoined                                 Professionals Program in 1974 and
the Bank as Adviser in the Office of the Vice President,                               moved to the Corporation's Asia De­
Energy and Industry. He was appointed World Bank Rep­                                  partment in 1975. He transferred to
resentative to the United Nations in New York in February                              the Europe & Middle East Depart­
1983.                                                            ment in 1980. In 1984 he was appointed Chief Special
                      DAVID LOOS, a Sri Lankan nation­           Operations Officer, IFC's Special Operations Unit.
                      al, succeeded Marc Bazin as World
                      Bank Representative to the United                              ARTURO BRILLEMBOURG, a
                      Nations in New York January 1. Mr.                             Venezuelan national, has been pro­
                      Loos joined the Bank in 1970 as a                              moted to Chief, Investment Division
                      Loan Officer in the South Asia De­                             II, Investment Department, effective
                      partment, and in 1972 he transferred                           December 1. Mr. Brillembourgjoined
                      to EMENA Country Programs De­                                  the Bank in 1981 as an Investment
                      partment I. In 1973 he was promoted                            Officer, Investment Division I, and in
                      to Division Chief, Korea Division,                             1985 he was promoted to Senior In­
East Asia and Pacific Country Programs Department, and                               vestment Officer. Before joining the
in September 1980 was promoted to Director of the Bank's                             Bank, he was an economist with the
Regional Mission in Eastern Africa.                              International Monetary Fund.

20    THE BANK'S WORLD I JANUARY 1986
                                                                New Staff Members 

                                                                Theodore O. Ahlers 
                  Carla F. Kruytbosch
                     MOHSIN S. KHAN, a Pakistani na­            United States 
                       United States
                     tional, has been appointed Chief,          Economist/WAl/II/25 
                 Research Assistant/EM2/12/9
                     Macroeconomics Division (formerly          Lynette Alemar 
                      Marlaine E. Lockheed
                                                                Singapore 
                           United States
                     Productivity Division), Development                                              Education Sociologist/EDT/I 2/2
                                                                Secretary/PPD/12/9 

                     Research Department, effective No­                                               Jyotirmoy Maitra
                                                                Shushom Bhatia 

                     vember 25. Mr. Khan came to the            India 
                               India
                     Bank from the International Mone­          Public Health 
                       Staff Assistant/EDS/12/9
                     tary Fund where he served since 1972     . SpecialistfPHN/12/30                  Helene M. Metard
                                                                Edward D. Bourne                      France
                     in the Research Department as Econ­                                              Secretary/PHN/12/16
                                                               United States 

                     omist, Assistant Chief, Financial          Computer Operator/IFCfI2/9 
          SonjaMotz
Studies Division, Assistant to the Director, and then as        Edward K. Brown 
                     United States
Adviser from 1982.                                              Ghana 
                               Secretary/WAP /12/23
                                                                Demographer/PHN/12/4 
                Anthony Pellechio
                                                                M. Teresa CarboneU 
                  United States
                                                                Philippines 
                         Economist/DRD/ 12/2
                    PETER KARP, a German national,              Secretary/LCP/12/16 
                 Mark Rendely
                    has been promoted to Chief, Compen­         Silvia Castro 
                       United States
                                                                Uruguay 
                             Management Sys. Analyst/SVP/ 12/23
                    sation Policy Division, Compensation
                                                                Secretary/LCP/12/9 
                  David Rivero
                    Department, effective January 1. Mr.        Violet C. Collins 
                   United States
                    Karp joined the Bank in 1982 as Per­        United States 
                       Counsel/LEG/12/13
                    sonnel Officer and was promoted to          Secretary/COM/ 12/9 
                 MunaSalim
                    Personnel Manager in 1983. Before           Anna Counselman 
                     Kenya
                                                                United States 
                       Secretary/EAP/12/23
                    joining the Bank, he was Vice Presi­
                                                                SecretaryfPMA/ 12/2 
                 Bahram Salimi
                    dent, Human Resources, Chase Man­                                                 Iran
                                                               Nalin Garg
                    hattan Bank, and Manager, Personnel        India                                  Research Assistant/IFC/12/3
and Administration, A.C. Nielsen Marketing Research            Info. Systems Analyst/CSH/12/ll        Haneen I. Saye
Company.                                                       Virginia Grevett 
                     Lebanon
                                                               United Kingdom 
                       Operations Asst./EMP/12/17
                      RENE KARSENTI, a French nation­          Secretary/EA2/ 12/30 
                 Carolyn Shaw
                                                                                                      United States
                      al, has been promoted to Chief, Bor­     Mary Jane Hallow
                                                                                                      Secretary/PHN/12/9
                      rowing Operations Division I, Finan­     United States
                                                                Financial Policy Officer/IFCfI2/9     Barbara A. Starke
                      cial Operations Department, effective                                           United States
                                                               JaneE. Holt 

                      January 1. Mr. Karsentijoined the        United States 
                        Word Processor/ADM/I 2/1 7
                      Bank through the Young Profession­       Financial Analyst/EAP /12/2 
          TaMin H. Taji
                                                                                                      Morocco
                      als Program in 1979. In 1981 he was      Peter M. Horvath 

                                                                                                      Senior Arabic Translator/ ADM/ 12/9
                      appointed Financial Officer, and in      United States 

                                                               Financial Officer/FOD /12/6 
          Gail E. Taylor
                      1984 he was promoted to Financial                                               United Kingdom
                                                               Marc T. Jackson 

                      Adviser, Financial Operations De­        United States 
                        Secretary/EAP/12/9
partment. Prior to joining the Bank, he was an investment      Secretary/LCP/12/9 
                   Richard Verspyck
analyst and portfolio manager at Caisse des Depots et                                                 France
                                                               Choon-Ja Kang
                                                                                                      EconornistfWAP/12/2
Consignations, Paris.                                          United States
                                                               Principal Acct. Asst./ACT/12/23        Jacques Welin
                                                                                                      United States
                       ANIL SOOD, an Indian national, has                                             Geologist/IFCfll/25
                       been appointed Chief, Industrial Re­
                       structuring Division, Industry De­        Retiree
                       partment, effective November 15. Mr.                               JAMES GRAHAM CLARKSON, a
                       Soodjoined the Bank in 1975 through                                Canadian national and a Public
                       the Young Professionals Program and                                Health Specialist, Population, Health
                       joined the Mining and Heavy Indus­                                 and Nutrition Department, retired
                       tries Division, Industry Department,                               December 31. Dr. Clarkson had been
                       in 1976. In 1982 he was promoted to                                with the Bank and the Department for
                       Deputy Chief, Manufacturing Indus­                                 5-1/2 years. A Specialist in Health
tries Division, and in 1984 he was appointed Chief, Indus­                                Administration, Dr. Clarkson is re­
trial Restructuring Unit. Mr. Sood had been the Acting                                    turning to Canada to resume private
Chief, Industrial Restructuring Division, since May.                                      consulting practice.

                                                                                                    THE BANK'S WORLD I JANUARY 1986   21
              ....._
     AnswerLinp    · ___________ 

,r   The purpose ofthis column is to answer     Could you explain further what this        to include eight-passenger vans. We
     questions ofbroad interest concerning      encouragement means in practical           provide administrative support and
     The World Bank/IFC's policies and          terms? We are a car pool of six, and we    free parking to staff who establish
     procedures. Because of space               wonder whether we have missed out on       neighborhood van pools. We encour­
     limitations, only questions of wide        institutional support available to us.     age the use of public transportation by
     interest can be published. If you have        Answer: Our car pool and van pool       providing Metro maps and bus route
     such a question, send it to: Answer        program consists of these elements:        information in the Bank's Parking Of­
     Line, The Bank's World, Room D-839.        We are linked to a computer-based car      fice, Rm. A-120. And we are consider­
     Question: In the August issue of The       pool information system with other         ing other steps. If you would like to
     Bank's World("Why Higher Parking           area organizations (Pepco, the U.S.        have more information, please contact
     Fees?") you write that "the Bank is        Treasury, and the State Department,        James H. Edmonds, ADMPK, Ext.
     encouraging staff to use other forms of    etc.) to give staff access to a greater    73411. R.F. Townsend, Chief, Security
     transportation: ride-sharing, van pools,   number of car pool possibilities. We       Division, Administrative Services De­
     car pools, not to mention Metro."          have modified the van pool program         partment.




     Letter to the EcIitor._ _ _ _ _ _ __ 

     The following let ter was sent in          been conveyed to staff long before             This is how the system is supposed to
     memo form to the Chairperson ofthe         December 3-which happens to be             function: the delegates keep their con­
     StaffAssociation, and the writer has       three days after the Association col­      stituents informed ofthe issues at hand
     asked The Bank's World to reprint it in    lected membership fees.                    and the constituents inform the dele­
     theform ofa letter to the editor. Here        3. Revoke the automatic member­         gates oftheir views. However, some­
     then is the memo. In addition, we have     ship fee payroll deduction authority        times things go less smoothly. In the
     asked the StaffAssociation to respond,     that I have issued to the Staff Associa­    case ofyour elec toral unit, only one of
     and Donneve Rae's remarksfollow.           tion.                                       the three delegate slots has been filled
                                                   I wish to add that I find it shocking   and all the alternate slots are empty.
     As a member in good standing with          that the Staff Association, which exists    This means that one person must com­
     The World Bank Staff Association and       to protect and further the interests of    municate with approximately 210 staff
     being very much in favor of said Child     all staff members, has resorted to pork    members, and that there is no one to act
     Care Center, I wish to:                    barrel politics. It is very clear to me     when this delegate becomes ill, takes
        1. Register a strong protest over       that the Association has more funds         leave or goes on mission. More impor­
     the outrageously large amount grant­       than it knows what to do with and           tantly, the views ofyour unit have only
     ed the Child Care Center, an amount        obviously does not need my contribu­        one vote, not three, in the decision­
     which will benefit approximately 10  /0    tion.                                      making process.
     of World Bank staff members, but                              Jorgen M uurmann            It is true we need money to do some
     represents 56%> of all dues collected                         ACTBC                    ofour work (such as obtaining expert
     during the last fiscal year.                                                           legal advice) , but the time volunteered
        2. Protest what at best must be con­    Donneve Rae responds: To reach this         by staffmembers to stay well informed,
     sidered a lack of interest on the part     decision (to grant funds to the Child       to be delegates or to work in the work­
     of the Staff Association in informing      Care Center) , the delegates debated the    ing groups is essential. By actively par­
     members about how their membership         issue for nearly a month, and in the        ticipating, staffmembers can ensure
     fees are spent. There can be no doubt      process, most polled their constituents.    their views are not only heard but acted
     that a decision of this nature taken on    Based on their findings, a 75% majority     upon, and the StaffAssociation is as­
     November 19 could and should have          supported the proposition.                  sured ofremaining strong and effective.




     22   THE BANK'S ~ORLD I JANUARY 1986
                           1985 Issues of The Sank's World-Index to Stories 

January                                                May                                                                   Women in the Bank ... . ............... . .. 7
Q&A on Oil and Gas Lending ........ . . 2              Volunteers for Development ............ 2                             A Woman's Memoir of Mali .............. 8
Training Course Offers New Dimensions for              The Wizards of Wood, Walls and Wiring .. 6                            Inspiring Stories in the World Press . ..... .. 10
   Managers ....................... ' " 5              Can the Japanese Way of Training Be                                   On the Record: The UN.Decade for Women . . 11
All the Right Moves .................... 8               Transferred to Other Countries? ... .. . . . 8                         Oil in the Developing World . . .... . . .. .. 12
IBIS: Rapid Access to Documents ...... 10              On the Record: Development Committee                                  And Now a Word from the IMF .......... 14
On the Record: 'Poverty in the Developing                Communique ...................... 11                                The Book ............................ 16
   Countries-1985' . ..... ..... . . .... . 11           Overseas Press Club Address .. .. .. . . 13                         Life After Job Grading ............ ...... 18
The Silent Minority .. .... . .. . . . ... .... . 13   Around the World Photo Contest ..... ... 15                           United Way Campaign: 'Keep the
China Looks to the Year 2000 ........ .. 16            Bridge Breaks Down Barriers .......... 17                                Spirit Alive' .......................... 19
Distributor Network Makes Bank Books                   T&V Revisited ......... : ... .... .. . .. .. 19                      Loaned Executives ... ...... .. ......... 19
   Available Worldwide ... . ... . .... .... 18        Matchmakers . ... ... ..... ........ .. .. 20                         Around the Bank: New Head of IFC Paris
Around the Bank: 1985 Margaret                         Around the Bank: New Executive Director;                                 Office; New Admin Manual; Annual
   McNamara Award Recipient Named;                       Never a Sick Day; Women of Washington ;                                Meetings 1985 .. ...... . . . ....... .... 20
   1st 1818 Chapter Meeting Down Under;                  Economics Prize to Pinto; Want to Be a
   S1. Elizabeths Charity Drive; New                     BAFUNC? ........................ 21                                 October
   Cookbook ... ........ ...... ... .... 19                                                                                  The 1985 Annual Meetings ................ 2
   Zambia Project .................... 20                                                                                    Assignment Beijing: New Resident Mission
                                                       June
Managers Shouldn't Be Heroes .... . .. . 20                                                                                     Opens ............................... 4
                                                       Dialogue on 19th Street .. ... ... . ....... 2
February                                               Mr. Commissioner . . .... ... ... ..... .... . 6                      China Report .................... .. . ... . 5
Stern: 'Lending Decline Is Highly                      They Counsel and Comfort .............. 8                             A First for IFC, China ........... .... .. . . . 7
  Localized' ... . . ...... . ..... .. ....... 2       On the Record: Responding to Changing                                 Mission to Gansu Province .............. 8
IBRD's Financial House Is in Good Order .. 4             Global Needs . ..... .... .. . .. .. . ... . 11                     Our One and Only .... . .... ..... ........ 9
Why They're Starving in Africa .......... 7              The Impact of Changes on DFls ... .. . 13                           On the Record: A.w. Clausen's Annual
So You Want to Charter an Airplane .. . . 10           Keeping Tabs on Transportation Projects .. 15                            Meetings Address .................... 11
On the Record : Press Conference on Africa             Corporate Charge Card Program ... ... 16                                Jacques de Larosiere's Annual Meetings
  Facility ...... . . . .. ................. 11        Transition to Tomorrow . .. .... ..... .. .. 17                         Address ............................ 15
Changes to Help IFC Meet Tomorrow's                    New Part-time Employment Policy .... .. 19                            Firefighter ................ .... .. . ..... 16
  Challenges ........................ 13               Around the Bank: Status Report: J and S                               Harassment Is No Laughing Matter ...... 18
Returning to Headquarters . ...... .. ... 15             Buildings .......................... 20                             Around the Bank: UNICEF Campaign .... 18
A Personal View of Job Grading ... .... . 16             McNamara Fellows; Awards for Bank's                                    United Way; Security for Your Safety;
Getting the Message .................. 18                World .... ...... . . . .. ...... . .... .. 21                         Members of Administrative Tribunal ... . 19
Around the Bank: Ethiopian Famine Panel                                                                                         Oral Rehydration Therapy Conference;
  Reports .. .... ................... . 18                                                                                      Ending Hunger by 2000 . .. ...... . .... 20
  Hittmair Succeeds Wiehen As Appeals                  July
                                                                                                                             A Retreat to Remember ...... . . . . . ..... 20
  Chairman; Transportation Photo                       Q&A on Eastern and Southern Africa .... 2
  Contest; Correction; Getting Ahead .... 19           WDR 85: Done with Policy-makers in Mind .. 6
                                                       For the Benefit of All . . . ......... .. .... 7                      November
How Things Have Changed .. ..... ..... 20                                                                                    Development Committee Maps Directions
36 Years Plus ... ... ... . .. ... ... ...... 21       Music to Our Ears . .... . . . . ...... ... . . 9
                                                       On the Record: Clausen on WDR '85 ... . 11                              for Bank .. ... ... ...... ........... ... 2
March                                                    Highlights from the 1985 Senior                                     Eyewitness: The Day the Earth Shook in
Environmentalism Is More Than Pollution                  Operations Managers' Retreat ........ 14                              Mexico City .. . ...... .. ..... ....... . .. 4
  Control .. . .. . .... .. ...... ..... ..... 2       Providing Shelter for Low-Income Groups .. 16                         What Do You Think? ............ .. ...... 7
The Fiery Delights of Indian Cuisine ...... 4          Staff Rules Focus on Employment Rights,                               A McNamara Fellow ... . . ..... ... ... .. . . 8
The Man in the Glass Booth ........ .. .. 6              Obligations . . . . . . . . . . . . . . . . . . . . . . .. 18       On the Record: Statement to Second
Willa Wiggins Says Goodbye ............ 8              Around the Bank: Emergency Network;                                     Committee of U. N. General Assembly. :' .. 11
Food Security .... ... ........ ..... .... 9             Automated Access to Bank Garages;                                     World Bank Lending for Agriculture and
On the Record: Promoting the Private                     Certificate to Staff; New Chairperson of                              Rural Development: An Interim Appraisal .. 13
  Sector in Developing Countries: A                      Staff Association . .. ..... .. ........ 19                         Dedication ............................ 15
  Multilateral Approach ... ..... .. .... 11             H Bldg. Eateries Receive Awards . ..... 20                          Be Patient with Your PPR . ... .... ... . . ... 16
  Accent on Financial Flows to Spur Third              A Lab in the X Building . . .. . .... .. .... . 20                    The Books of Knowledge . . . . . . . . . . . . . . . . 17
  World Recovery ....... ... .. .. .... .. 13                                                                                Around the Bank: Bank Hosts U.N.'s 40th
Global Village ... .. .. .. ....... .. ..... . 15                                                                              Anniversary Celebrations in Washington;
Shopping in the H Building ............ 17             August                                                                  Have You Done Your Profile?; In Concert;
Around the Bank: Food for Thought:                     On Using Management Consultants ........ 2                              United Way .......................... 19
  Staff Like Bank Eateries . ... .. .. .... 19         The Winners Are .. ..... . . .. ....... ...... 4                        Notaries Public; Witteveen Cup;
  Economic Review Journal Scheduled for                If You Absolutely, Positively Have to Get It                            'Clausen's Concern' .... .. .. .. . ... . . .. 20
  Debut; Texas City 'Queen for a Day' . . 20               Overseas Fast .. . . ... .. . ...... .... .. .. 8
                                                       Thelma ... ... . ... . .. .... ... ......... ... 9
April                                                  On the Record: A View of Some National and                            December
Lights, CAmera, Questions ........... ... 2                International Economic Issues ...... .. .. 11                     Where Does CGIAR Go from Here? ........ 2
The Health Scene ..... ... .... . ... ..... . 6            The Bank's Future Transportation Role .. 13                       The Local Staff in Nairobi ... ....... ..... . 5
The 'New' ADM .. .... ... .. .. . . .... ..... 8           Port Planning ........................ 14                         Diplomat without Portfolio ................ 8
On the Record: 'The World Bank and                     PhYSical Fitness Program in Swing .... .... 15                        Tough Questions for the Bank .. ....... ... 10
  Cofinancing' ... .. ... . .. . . . . . ... .. . 11   A Love of the Sea ................... ... 17                          On the Record: Clausen Reconfirms Bank's
  John J McCloy: 90th Birthday ... .. . .. 12          Around the Bank: New Executive Director;                                Commitment to Debt Strategy .. ... ... . . 11
  The Economies of East Asia .. ... . . ... 13             Why Higher Parking Fees?; EDI Seminar                               Human Resource Development in Africa:
Signs of the Times .. . . . . ...... .. ..... . 15         for Chinese Officials . . . . . . . . . . . . . . . . . . 18        An Overview ...... .. .... .. . . ..... . .. 13
Readers Speak Up .................... 17               Medical Costs Continue to Rise .... .... . . 19                       Meet the Executive Directors ............ 15
UNICEF Project Focuses on Uganda .... 18                                                                                     Standards of Service .................... 18
Around the Bank: New Executive Director;                                                                                     Do You Want a Free Van? . ..... ... .. ... 19
  MED to Sponsor National High Blood                                                                                         Around the Bank: Have You Done Your
  Pressure Month; Help Wanted; Parking                 September                                                               Profile?; Are You a Quitter?; Pedestrians,
  Reminder; United Way Award ........ 20               Women in Development ..................                           2     Beware; New Office? .................. 20
  Administrative Tribunal Judges;                      Report from Nairobi .. . .. ... ........... . . .                 2     Babel Transcended: International Poetry
  'Hitt[ng the Jackpot' ................ 21            Q&A with Gloria Scott ... . .... .... ... . ....                  4     Festival at the Bank; High Tide on the
Future Home of Child Care Center .. .... 24            The New Adviser on Women ....... . ......                         6     Potomac; 'Transport Devices' .......... 21




                                                                                                                                     THE BANK'S WORLD I JANUARY 1986              23
As we go to press. • • 

FY86 FIRST HALF FINANCIAL RESULTS: The                                                    Europe and Japan.
World Bank borrowed the equivalent of $6.8                                                     On the lending side, commitments of
billion in the world's capital markets                                                    IBRD loans were $2.9 billion for the first
during the first half of fiscal year 1986.                                                half of FY86 compared to $1.1 billion a
This amount is the largest the Bank has                                                   year ago. Expectations are that for all of
ever raised in any first half.                                                            FY86 loan commitments will reach the target
     The money was borrowed in a variety of                                               range of $12.0 to $13.5 billion. Loan
currencies at an average cost of 7.25% at                                                 commitments in all of FY85 were $11.4
the lowest spreads over the cost of                                                       billion.
government obligations in the Bank's                                                                                              ***
history.                                                                                   BANK LOWERS INTEREST ON LOANS: The
      In addition, the Bank's net income as                                                interest rate on World Bank loans to
of December 31, 1985 was $695 million-­                                                    developing countries was reduced from 8.82%
another record amount. Last year, first                                                    to 8.5% for six months beginning January 1,
half net income was $588 million.                                                          1986. In announcing the reduction in the
     At a Headquarters press conference                                                    lending rate, World Bank President A. W.
January 16, Moeen A. Qureshi, Senior Vice                                                  Clausen said he was pleased that the Bank
President for Finance, stated that the                                                     was able to continue the downward trend in
financial performance in the first half                                                    its loan charges.
shows that the Bank is prepared to fulfill                                                       "This is a direct result of our high
its leadership role in efforts by                                                          standing in the world's capital markets,"
governments and the commercial banking                                                     said Mr. Clausen. "Once again, developing
community to foster economic development in                                                countries are benefiting directly from The
debtor member nations.                                                                     World Bank's financial strength as our
      The Bank's low cost of borrowing was                                                 reduced borrowing costs permit us to lower
achieved through favorable timing of                                                       the rates we charge on development loans."
borrowings and access to markets,                                                                The Bank's lending rate is calculated
particularly for nominally lower cost                                                      by adding 0.5% to the average cost in the
currencies such as Swiss francs, Japanese                                                  preceding six months of a pool of all
yen, Deutsche mark, and Dutch guilders.                                                    borrowings made since July 1, 1982.
These currencies, together with the U.S.                                                         This is the seventh consecutive
dollar, accounted for more than 90% of the                                                 reduction since July 1, 1982, when the Bank
Bank's borrowings, after swaps, for the                                                    began to lend at a variable interest rate
first six months of fiscal 86. The Bank's                                                  and adopted a policy of resetting its
borrowings, all told, were in 14 different                                                 lending rates for loans on a semi-annual
currencies and European Currency Units.                                                    basis. At that time, the lending rate was
      Other factors contributing to the                                                    11.47%.
Bank's low borrowing cost were the use of                                                                                          * * *
currency swaps, which lowered the cost of                                                  IDA-8 PARIS MEETING: The IDA Deputies will
its new medium- and long-term borrowings                                                   meet in Paris January 27 and 28 to begin
from 7.94% to 7.22%, and its use of new                                                    negotiations for the Eighth Replenishment
borrowing techniques. The Bank also                                                        period to run from mid-1987 to mid-1990.
expanded its borrowings from                                                               The Deputies will meet several times during
non-traditional sources, such as the                                                       1986 to decide on the size and scope of
cooperative and savings institutions in                                                    IDA-8.




   The Bank's World , Vol. 5, No.1. Published monthly in Washington , D.C., by the Information and Public Affairs Department of The World Bank for all employees and retirees 

       01 The World Bankllnternational Finance Corporation, 1818 H St. , N.W., Room 0-839, Washington , D.C. 20433. Alan DraUell, Editor; Ellen Tillier, Associate Editor; 

                                 Marjorie Messiter and Jill Roessner, Assistant Editors; Morallina George, Editorial Assistant; Bill Fraser, Designer.