*EDIT-OPINION *

* The Loan That Looms Over Kerala *

*Is the Asian Development Bank pushing the state's Communists into the
market's lap? And what's the CPM doing about it? *

*Nilanjana Biswas*

The story of the Asian Development Bank's (adb) loan to Kerala for urban
development is getting curiouser and curiouser. The recently signed $316.1
million (Rs 1,422 crore) loan agreement between Kerala's Left Democratic
Front (ldf) government and the adb has been attacked by none other than the
man leading the ldf: Chief Minister VS Achuthanandan who claims that the
deal was struck without his knowledge.

Even as the debate in Kerala rages on how much (or little) the chief
minister knows, the loan documents of the proposed Kerala Sustainable Urban
Development Project (ksudp) are being widely scrutinised. And two facts have
emerged: one, that the adb deal is fraught with substantive problems; the
other, that it has the ldf in Kerala deeply divided, with one newspaper even
describing it as the "government's death knell".

The ksudp loan targets the five municipal corporations of Kochi, Kollam,
Kozhikode, Thiruvananthapuram and Thrissur for urban infrastructure
development, services improvement and capacity building. The money for the
project will come from three sources: principally, an adb loan of $221.2
million (Rs 995 crore), a Government of Kerala contribution of $59.8 million
(Rs 269 crore) and a further $ 35.1 million (Rs 158 crore) from the five
civic bodies.

Kerala's external debt is already over Rs 40,000 crore which, by the
Catch-22 logic of international finance, makes the state even more
credit-worthy. Adding to the overhanging debt, the ksudp loan will follow
the tried and tested privatisation strategy — a standard prescription of
international banks like the adb and the World Bank that works to keep Third
World countries in the stranglehold of spiralling debt.

To ensure privatisation, the ksudp loan agreement outlines a "multi-faceted"
approach. This includes the creation of an "enabling framework" and
developing technical and managerial skills within municipal corporations to
formulate and manage private operations.

Other privatisation measures include:

   -  Conversion of existing street taps to metered connections with no
   budget for new installations, as per policy that the Kerala government
   "will" formulate by no later than March 2007;
   - Increased tariffs and new user charges with no exemption for those
   living below the poverty line;
   - The hiring of international private consultants, as per adb
   guidelines, for project formulation, management and supervision at a cost of
   $10.2 million (Rs 46 crore);
   -  Full cost recovery from the public for operations and maintenance
   work;
   -  The mandatory introduction of service tax and/or other revenue
   mobilisation to meet revenue shortfalls.

Going by the terms of the project, families living below the poverty line
will now have to spend up to two-and-a-half days' wages for drinking water,
drainage, sewerage and other urban services. For the urban poor who already
face acute water shortage and sanitation problems, two tariff hikes on the
anvil over the next five years are likely to turn their battle for survival
into a relentless war.

The adb is the second largest development bank in the Asia-Pacific region,
next only to the World Bank Group. Although adb's involvement in India did
not start until the late 1980s, today India is the largest borrower in South
Asia, and the second largest, after China, in Asia-Pacific.

As in the case of Kerala's recent loan, adb loans are tied to policy
conditions. These include:

   - Adopting legislations and regulations that favour private sector
   involvement in key sectors;
   - Market-friendly restructuring;
   - Corporatisation and privatisation of public enterprises and
   utilities;
   - Creating a flexible labour force;
   - Commercialisation of agriculture and
   - Trade and investment liberalisation.

 On December 28, 2006, more than 100 organisations came together under the
banner of the People's Forum against adb (pfaadb) to petition Kerala's chief
minister to annul the ksudp loan. The petition points out adb's dismal
record in urban development, citing two previous adb projects in Karnataka,
the 1995 Karnataka Urban Infrastructure Development Project (kuidp) and the
1999 Karnataka Urban Development and Coastal Environmental Management
Project (kudcemp), which are replete with design flaws, poor quality of
construction, prolonged delays in completion and non-disclosure of project
information to local councillors.

According to the pfaadb, adb-funded projects in India and elsewhere have led
to weakened environmental regulation, increased unemployment, cuts in
spending on primary care and essential services, a widening gap between the
rich and the poor, often leading to an absolute increase in poverty.

The petitioners who include people's movements, environment groups, women's
organisations, trade unions, human rights groups and dalit organisations,
all agree that urban services needed overhauling but not through financial
institutions that could potentially undermine the country's democratic
framework.

The petitioners say, "The possibilities of internal resource mobilisation
are many in Kerala; they include commodity taxes on consumer expenditure,
addressing tax evasion in the gold market, collection of tax arrears and
mobilising the domestic savings of the state (including foreign exchange
remittances) which runs into thousands of crores of rupees."

As a result of the pfaadb campaign, the central committee of the cpm
referred the adb loan issue to the Kerala State Committee and starting
January 8, 2007, a three-member team is expected to study the loan. The
Kerala State Committee is, however, deeply divided on the issue. Discussions
on the ksudp loan were started back in 2002 by the Congress-led United
Democratic Front (udf) government. Notably, the Left, which was in
opposition then, fiercely criticised the proposed loan on the grounds that
it contained harmful conditionalities.

Rifts within the ldf, since it came to power, have emerged sharply with a
neo-liberal faction represented by cpm state secretary and Politburo member
Pinarayi Vijayan, Local Self-Government Minister Paloli Mohammed Kutty and
state Finance Minister Thomas Isaac pushing for the loan while Chief
Minister Achuthanandan says it lacks cabinet approval. The cpm Central
Committee, in the meanwhile, has reprimanded the State Committee for taking
to the streets what it considers should have been a matter for internal
debate.

But is it just a matter of inner party debate? Many would disagree. For CR
Neelakantan, a veteran social activist from Kerala, the loan
conditionalities represent a major departure from the ldf's stated policies;
a departure that must be explained and discussed.

Some time ago, the cpm's political organisational report took the stand that
while external loans were unavoidable, certain compromises must never be
made. According to the report: "Whenever our governments hard-pressed for
funds but duty-bound to provide relief to the people are offered loans by
imperialist agencies and Western governments, the party should consent to
such loans only if it does not weaken its fight against the
imperialist-dictated policies. In all cases, where the party agrees to such
loans from international agencies like World Bank, adb, dfid, jbic etc, it
must take the people into confidence and explain to them the justification
for taking such loan…In no case should we go in for loans which involve
structural adjustment programmes. Such programmes entail conditionalities
like privatisation of certain sectors, downsizing staff, cutting subsidies
and fiscal conditionalities." The policy is clear: no diktat; no structural
adjustment; complete transparency. The ksudp loan clearly fails on all three
counts.

cpm general secretary Prakash Karat recently stated that external loans are
acceptable if there are no strings attached. The debate in Kerala, however,
is about what exactly is attached to the ksudp loan: a string or a hangman's
noose?

*Biswas is a Bangalore-based freelance journalis*

*Jan 27 , 2007*

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