GORONGOSA NATIONAL PARK, Mozambique
We are flying in a Bat Hawk aircraft — which may be named for a raptor that preys on bats but looks more like a giant, lime-green dragonfly — and my hair, thanks to the open cockpit, has gone full Phyllis Diller.
Scudding above flood plains the colour of worn pool table felt and mud flats split like jigsaw puzzles, we dip toward the treetops and see herds of waterbuck scatter with an impatient flash of their bull’s-eye rumps.
We are searching for the elusive tuskless elephants of Gorongosa, elephants that naturally lack the magnificent ivory staffs all too tragically coveted by wealthy collectors worldwide.
Tuskless elephants can be found in small numbers throughout Africa, but Gorongosa is known to harbour a sizable population of them, the legacy of a violent 15-year civil war. Tusked elephants were slaughtered for their ivory at a harrowing rate, and the park’s rare tusk-free residents thus gained a sudden Darwinian advantage.
Today, about a quarter of the park’s 700 or so elephants are tuskless, all of them female, and I am determined to catch a glimpse of at least one. Yet a week of ground searches has proved fruitless, and now we are circling in a plane and still nothing and, holy mother of Horton, how can such massive creatures go missing?
“There!” Alfredo Matavele, the pilot, cries triumphantly, pointing toward a cluster of trees. “And there!” pointing toward a watering hole. And there and there. “Do you see them?” he demands.
Oh yes, I see them. Dozens, scores, cliques and claques of elephants, ears flapping like flags, trunks slowly swinging, and many of their faces decidedly free of ivory eruptions. I have found them at last, my sisters in dental deprivation.
Other people may admire elephants for their brains or their complex social lives; I feel a bond with this mutant crew. After all, I’ve learned that we share a basic developmental anomaly, which may well be traceable to the same underlying glitches in our DNA.
Elephant tusks happen to be overgrown versions of the upper lateral incisors — the teeth right next to the front teeth, before you get to the canines. Simply put, tuskless elephants lack lateral incisors.
I, too, lack lateral incisors; moreover, the trait runs in families. Tuskless elephants often have tuskless kin. Both my daughter and my younger brother are missing their lateral incisors. No wonder we’ve always had trouble ripping the bark off trees.
Scientists do not yet know the precise cause of tusklessness, but they’ve made great progress in deciphering the genetic program behind mammalian tooth development generally. It turns out to be an old and widely shared code.
“Tooth development has been very conserved during evolution,” said Irma Thesleff, a developmental biologist at the University of Helsinki in Finland. She has found that mutations associated with tooth abnormalities in mice also show up in genetic studies of people with missing or malformed teeth.
“Elephants are no more different from humans than mice are,” Thesleff said, “so it’s quite possible that the same gene or genes are involved” in elephant tusklessness and human toothlessness.
For example, it could be a typographical error in the genetic code for a signalling molecule called wnt10a. “This is one of the most commonly mutated genes in humans with missing teeth,” Thesleff said.
And oh, we gap-mouths are everywhere. An estimated 8 percent of the population is missing one or more of the 32 teeth found in the standard adult set, and that figure rises to about 30 per cent if you include a natural absence of the four extra wisdom teeth that many people get yanked out anyway.
Missing lateral incisors is thought to be the second most common form of tooth agenesis. One archaeological study of a 9,000-year-old farming community in Basta, Jordan, found that 36 per cent of the inhabitants lacked lateral incisors. Researchers viewed the elevated rate as evidence of inbreeding.
The normal background rate of the condition is more like 2 to 4 percent, which, coincidentally or otherwise, is close to the background rate of tusklessness among African elephants.
Even more common in humans than a lack of lateral incisors, said Ariadne Letra, an associate professor at the University of Texas School of Dentistry at Houston, is the absence of the lower second premolars, the teeth with two cusps located in the bottom jaw just before the four-cusped molars.
(I discovered in the course of reporting this story that my husband was born without his second premolars, so I guess I’m grateful my daughter has any teeth at all.)
Through animal studies, scientists have learned that teeth can grow in macabre isolation from other body systems, as if they yearned for a career as novelty dentures at a Halloween party. Isaac Salazar-Ciudad, a theoretical biologist who studies tooth development at the University of Helsinki, explained that if you remove part of the primordial mouth of a mouse embryo and culture it in a dish, it will develop an array of normal-looking mouse teeth.
Although the basic genetic program is widely shared, tooth building is also flexible, susceptible to evolutionary influences.
Teeth develop through the interaction of two types of embryonic tissue, epithelial and mesenchymal, which early in gestation — by about Day 28 in humans — start folding up into each other origami-style to form a series of large and small buds. Those buds can then be sharpened into canines or incisors for slicing into flesh, or flattened and sculpted into molars with any number of cusps for processing fibre plants.
The core of a tooth, the pulp, holds the blood vessels and nerve fibres, while the bulk consists of a bonelike material called dentin. The outer coating of calcium phosphate enamel is the hardest substance in the body, which is why animal teeth account for a disproportionate share of the fossil record.
And when lengthened into structures that breach the boundary of the mouth and grow throughout life, teeth become tusks — for digging, fighting, hauling, piercing, threat display.
The diversity of shapes that teeth can assume, combined with their mineralized hardness, said Salazar-Ciudad, “could be why they have been repurposed as tusks and used for so many tasks.”
In most cases, tusks are recast canines, curving to the side and upward in wild boars and warthogs, or drooping down in walruses like Yosemite Sam’s moustache. In narwhals, the unicorns of the Arctic, the tusk is built of a single overgrown canine that penetrates through the narwhal’s left upper lip in a permanent open wound, which ends up hosting tiny shrimplike creatures with an appetite for shed whale skin.
The narwhal tusk “is the only straight tusk in nature, and the only spiral tusk, too,” said Martin Thomas Nweeia, a narwhal expert who lectures at the Harvard School of Dental Medicine.
Tusks, as a rule, are multipurpose devices. Boars and warthogs apply theirs offensively and defensively, to battle one another during mating season and to gore predators many times their size.
Walruses use their tusks like grappling hooks, to haul themselves out of the water and onto the ice, and as weapons against polar bears and in sexual contests — but not, as commonly believed, to forage for food or pry open oysters.
The purpose of the narwhal’s tusk remains a subject of contention. Some researchers suggest the whales use it to stun their fish prey. Nweeia and his co-workers propose that it is a kind of sensory organ, for detecting changes in water salinity and temperature.
Elephants are the true masters of the Swiss army tusk. They use their mighty incisors to dig for salts and minerals, to break off branches and get at the foliage, to pry into trees and peel off the bark — “They really love to eat bark,” said Joyce Poole, scientific director of Elephant Voices, a research and advocacy group working at Gorongosa — to scoop an errant calf out of a mudhole or lift a sleeping one to its feet.
They coordinate tusks, trunks and feet to de-thorn acacia trees and soften tough grasses, and they stash leafy branches across their ivory shelves for later consumption.
Just as people are left- or right-handed, so elephants have a favoured tusk. “If they’re going to break a branch over a tusk, they use the same tusk repeatedly,” Poole said. A groove forms in the preferred tusk over time.
But it can take two tusks to tangle. From my perch in the Bat Hawk, I watched a pair of large bull elephants spar by locking together their massive tusks, which can weigh well over 100 pounds each — seven times the weight of an average female tusk.
Yet the biophysical properties that make tusks such splendid tools to own have all too often proved their owners’ undoing. People have long coveted ivory for its beauty, ductility and presumed magical properties.
The first appearance of narwhal tusks in medieval Europe is thought to have given rise to the myth of the unicorn, and to a mad surge in demand for the 9-foot spiralling spears. Elizabeth I is said to have paid 10,000 pounds for a narwhal tusk, then the price of an average castle.
The drive to harvest walrus ivory may well have contributed to the settlement of Greenland in the 10th century, and led to the near extinction of walrus populations around Norway, Iceland and other parts of the North Atlantic.
Elephant ivory, however, is considered the finest in the world, and elephants have long been slaughtered to supply it. Despite international efforts to ban the ivory trade, demand still drives a business worth at least $1 billion a year.
The persistence of elephant poaching has prompted researchers to wonder whether elephants really needed their tusks, and whether they might not be better off if the tuskless trait were to spread more widely through the African population.
Shane Campbell-Staton, an assistant professor of ecology and evolutionary biology at the University of California, Los Angeles, and his colleagues have begun systematically comparing tusked and tuskless elephants in Gorongosa, seeking not only to identify the genes involved in tusklessness but also to solve perplexing patterns of inheritance.
Why, for example, are nearly all the tuskless elephants of Africa female? Among Asian elephants, a related species, many males are tuskless, and recent studies suggest they fare surprisingly well on the sexual battlefield when pitted against tusked rivals.
Campbell-Staton is also looking at downstream effects of tusklessness.
“We know tusks play an important role in obtaining food,” he said, “so if individuals don’t have that tool, are they using the environment differently, and could those changes have consequences for other animals dependent on elephants as ecosystem engineers?”
Maybe, but from the look of it, the tuskless elephants of Gorongosa are thriving. “They’re in fantastic condition, this is a very good habitat for them, and there’s no indication they’re suffering nutritionally,” Poole said.
Lateral incisors: Who needs them? Better by far to keep the poachers at bay.
BCCI: The bank ‘that would bribe God’
“This bank would bribe God.” These words of a former employee of the disgraced Bank of Credit and Commerce International (BCCI) sum up one of the most rotten global financial institutions.
BCCI pitched itself as a top bank for the Third World, but its spectacular collapse would reveal a web of transnational corruption and a playground for dictators, drug lords and terrorists.
It was one of the largest banks cutting across 69 countries and its aftermath would cause despair to innocent depositors, including Kenyans.
BCCI, which had $20 billion (Sh2.1 trillion in today’s exchange rate) assets globally, was revealed to have lost more than its entire capital.
The bank was founded in 1972 by the crafty Pakistani banker Agha Hasan Abedi.
He was loved in his homeland for his charitable acts but would go on to break every rule known to God and man.
In 1991, the Bank of England (BoE) froze its assets, citing large-scale fraud running for several years. This would see the bank cease operations in multiple countries. The Luxembourg-based BCCI was 77 per cent owned by the Gulf Emirate of Abu Dhabi.
BoE investigations had unearthed laundering of drugs money, terrorism financing and the bank boasted of having high-profile customers such as Panama’s former strongman Manual Noriega as customers.
The Standard, quoting “highly placed” sources reported that Abu Dhabi ruler Sheikh Zayed Sultan would act as guarantor to protect the savings of Kenyan depositors.
The bank had five branches countrywide and panic had gripped depositors on the state of their money.
Central Bank of Kenya (CBK) would then move to appoint a manager to oversee the operations of the BCCI operations in Kenya.
It sent statements assuring depositors that their money was safe.
The Standard reported that the Sheikh would be approaching the Kenyan and other regional subsidiaries of the bank to urge them to maintain operations and assure them of his personal support.
It was said that contact between CBK and Abu Dhabi was “likely.”
This came as the British Ambassador to the UAE Graham Burton implored the gulf state to help compensate Britons, and the Indian government also took similar steps.
The collapse of BCCI was, however, not expect to badly hit the Kenyan banking system. This was during the sleazy 1990s when Kenya’s banking system was badly tested. It was the era of high graft and “political banks,” where the institutions fraudulently lent to firms belonging or connected to politicians, who were sometimes also shareholders.
And even though the impact was expected to be minimal, it was projected that a significant number of depositors would transfer funds from Asian and Arab banks to other local institutions.
“Confidence in Arab banking has taken a serious knock,” the “highly placed” source told The Standard.
BCCI didn’t go down without a fight. It accused the British government of a conspiracy to bring down the Pakistani-run bank. The Sheikh was said to be furious and would later engage in a protracted legal battle with the British.
“It looks to us like a Western plot to eliminate a successful Muslim-run Third World Bank. We know that it often acted unethically. But that is no excuse for putting it out of business, especially as the Sultan of Abu Dhabi had agreed to a restructuring plan,” said a spokesperson for British Asians.
A CBK statement signed by then-Deputy Governor Wanjohi Murithi said it was keenly monitoring affairs of the mother bank and would go to lengths to protect Kenyan depositors.
“In this respect, the CBK has sought and obtained the assurance of the branch’s management that the interests of depositors are not put at risk by the difficulties facing the parent company and that the bank will meet any withdrawal instructions by depositors in the normal course of business,” said Mr Murithi.
CBK added that it had maintained surveillance of the local branch and was satisfied with its solvency and liquidity.
This was meant to stop Kenyans from making panic withdrawals.
For instance, armed policemen would be deployed at the bank’s Nairobi branch on Koinange Street after the bank had announced it would shut its Kenyan operations.
In Britain, thousands of businesses owned by British Asians were on the verge of financial ruin following the closure of BCCI.
Their firms held almost half of the 120,000 bank accounts registered with BCCI in Britain.
The African Development Bank was also not spared from this mess, with the bulk of its funds deposited and BCCI and stood to lose every coin.
In Britain, local authorities from Scotland to the Channel Islands are said to have lost over £100 million (Sh15.2 billion in today’s exchange rate).
The biggest puzzle remained how BCCI was allowed by BoE and other monetary regulation authorities globally to reach such levels of fraudulence.
This was despite the bank being under tight watch owing to the conviction of some of its executives on narcotics laundering charges in the US.
Coast politician, the late Shariff Nassir, would claim that five primary schools in Mombasa lost nearly Sh1 million and appealed to then Education Minister George Saitoti to help recover the savings. Then BoE Governor Robin Leigh-Pemberton condemned it as so deeply immersed in fraud that rescue or recovery – at least in Britain – was out of the question.
“The culture of the bank is criminal,” he said. The bank was revealed to have targeted the Third World and had created several “institutional devices” to promote its operations in developing countries.
These included the Third World Foundation for Social and Economic Studies, a British-registered charity.
“It allowed it to cultivate high-level contacts among international statesmen,” reported The Observer, a British newspaper.
BCCI also arranged an annual Third World lecture and a Third World prize endowment fund of about $10 million (Sh1 billion in today’s exchange rate).
Winners of the annual prize had included Nelson Mandela (1985), sir Bob Geldof (1986) and Archbishop Desmond Tutu (1989).
East Africa celebrates top women in banking and finance
The Angaza Awards for Women to watch in Banking and Finance in East Africa took place Online via Zoom on 8th June 2021.
The event was set to celebrate the top 10 women shaping banking and finance across East Africa. The 2021 Angaza Awards, which will be a Pan-African Awards program, was also announced at the event.
Key speakers at this webinar were Dr Nancy Onyango, Director of Internal Audit and Inspection at the IMF; and Gail Evans, New York Times Best Selling Author of Play Like a Man, Win Like a Woman and former White House Aide and CNN Executive Vice President.
Dr Nancy Onyango advised women to deep expertise in their fields, spend time in forums and link with key players in that sector.
“Gain exposure with other cultures by seeking for employment overseas and use customized CV for each job application,” said Dr Onyango.
According to Gail Evans, women should show up and be fully present in meetings and not be preoccupied with other issues.
“Be simple and avoid jargon. Multi-tasking only means that you are mediocre Smart people ask good questions in a business meeting. Most women face drawbacks due to perfectionism, procrastination and fear of failure, said Evans.
She advised women to play like a man and win like a woman, be strategic, and intentionally make their moves to get to the top.
“For us to pull up businesses that have been affected by effects of COVID-19 pandemic, we need to re-invent business models, change the product offering and make more use of digital platforms,” said Mary Wamae Equity Group Executive Director.
Mary Wamae emerged top at the inaugural Angaza awards( East Africa) ahead of other finalists.
While women continue to excel in banking and finance, the number of that occupies top executive positions is still less.
“There is a gap for women occupying C suite level and it continues to widen in the finance sector. At entry level, there is still an experience gap for women,” said Nkirote Mworia, Group Secretary for UAP-Old Mutual Group.
She said that at the Middle Management level, women do not express their ambition. For this reason, UAP-Old Mutual has developed an executive sponsorship program to help women get to the next level.
Mworia added that most women hold the notion that top positions in management have politics and pressure.
“One needs leadership skills and not technical expertise to get to the top,” said Mworia.
According to Catherine Karimi, Chief Executive Officer and Principal Officer of APA Life Assurance Company, women need to focus on the strengths and natural abilities that they already have.
“Take risks and raise your hand to get to the high table. Find mentors along the way and develop your own brand and not compare yourself with others Focus on your strengths because it will make you move faster in the career ladder,” said Karimi.
Lina Mukashyaka Higiro, a Rwandan businesswoman and chief executive officer of the NCBA Bank Rwanda since July 2018, has three lessons for women who want to excel in banking and finance.
“Always spend at least 20 minutes each day reading, seeking genuine feedback from other staff members and widen your network,” Higiro told the webinar.
Women picked for Angaza awards
Mary Wamae, Executive Director, led this year’s Top 10 Women in Angaza Awards, Equity Group (Kenya)(2)Catherine Karimi, Chief Executive Officer, APA Life Insurance Company (Kenya)(3)Lina Higiro, Chief Executive Officer, NCBA Bank (Rwanda)(4)Elizabeth Wasunna Ochwa, Business Banking Director, Absa Bank (Kenya)(5)Joanita Jaggwe, Country Head of Risk and Compliance, KCB Group (South Sudan)(6) Millicent Omukaga, Technical Assistance Expert on Inclusive Finance, African Development Bank (Kenya)(7)Emmanuella Nzahabonimana, Head of Information Technology, KCB Group (Rwanda)(8)Judith Sidi Odhiambo, Group Head of Corporate Affairs, KCB Group (Kenya)(9)Rosemary Ngure, ESG & Impact Manager, Catalyst Principal Partners (Kenya) and(10)Pooja Bhatt, Co-Founder, QuantaRisk and QuantaInsure (Kenya).
The Kenyan Wallstreet, a financial media firm, partnered with Kaleidoscope Consultants to raise awareness of seasoned women shaping and influencing the sector through their organizations.
The Angaza Award criteria included assessing the applicants’ area of responsibility and contribution to firm performance. Professionals in Banking, Capital Markets, Insurance, Investment Banking, Fintech, Fund Management, Microfinance, and SACCOs were invited to submit their applications or nominations via the Kenyan Wallstreet Award Web page.
IFC in New Partnership to Develop Affordable Housing in Mombasa County
NAIROBI, Kenya, Jun 14 – International Finance Corporation, a member of the World Bank Group, has signed a new deal in support of affordable housing in Kenya.
The corporation has partnered with Belco Realty LLP, to develop a mixed use affordable living complex that will consist of 1,379 residential units and over 4,500 square meters of retail and commercial spaces in Kongowea, Mombasa County.
Together with the Kenyan firm, IFC says the partnership will help meet surging demand for housing in Kenya.
Under the agreement, IFC will help identify suitable international strategic partners to invest equity of up to $12 million, or Sh1.3 billion in Belco and to provide the company with the necessary technical support to develop the project.
The development, known as Kongowea Village, will be developed to foster inclusive and affordable community living within the city.
Jumoke Jagun-Dokunmu, IFC’s Regional Director for Eastern Africa says the project, which will be located on eight acres within the heart of Mombasa city, will aim to be a catalyst for wider city regeneration.
The project will be developed to meet IFC EDGE certification requirements and will incorporate the latest technologies in passive cooling, energy efficiency and water conservation to support sustainable urbanization.
Kongowea Village is expected to create 1,160 jobs and business opportunities during the three-year construction period and many more after completion of the project within the themed retail arcade.
“Access to quality housing is a growing problem in Kenya and across Africa,” said Jumoke Jagun-Dokunmu, IFC’s Regional Director for Eastern Africa.
“Developers often target the high end of the market, but this project is aimed squarely at the lower-income bracket. Helping Belco identify the right partners for this project is expected to attract more developers to Kenya and other parts of Africa to help meet rising demand for housing.”
“IFC‘s engagement with Belco will help Kenya support its rapidly growing and urbanizing population by increasing access to affordable housing. The problem is similar across most of Africa, where population growth and demand for quality housing are combining to outstrip supply. We are pleased to partner with a company such as Belco that is committed to contributing to solving this challenge,” said Emmanuel Nyirinkindi, IFC‘s Director for Transaction Advisory Services.
IFC’s partnership with Belco is part of its broader strategy to support better access to affordable housing in Kenya.
In 2020, IFC invested $2 million in equity in the Kenya Mortgage Refinance Company (KMRC) to help increase access to affordable mortgages and support home ownership in the country.