The Pak Banker

‘This is Pakistan…’

-

Ayoung man cheated on one of his assignment­s. His professor referred the case to the relevant committee for investigat­ion and adjudicati­on.

I was, at the time, the department chair. The mother of the young man called and said she wanted to see me even though I explained to her that the case was with the relevant committee and I could not intervene in the process.

When she came, accompanie­d by one of her brothers, she started out by saying that she had lost her husband and the young man his father. I offered my condolence­s but did point out that since her husband had passed away many years ago, this could not really explain why the young man had cheated.

She was not thrilled by my response. The next thing she said was: “It was just cheating. What is the big deal? It happens all the time in Pakistan. Do you not live in Pakistan?”

When this outburst was also not helpful, she went on to tell me that one of her brothers was a senior civil servant while another was a senior officer in the army and I should be aware of the consequenc­es if we insisted on taking the case further. At that point, I had to ask her to leave my office.

When I narrated the incident to the others, the typical response was, ‘this is Pakistan. What did you expect? Where do you live?’

I do live in Pakistan and have lived here most of my life. Two hundred and forty million-plus people also live in Pakistan and they come in all shapes and sizes.

However normalised or institutio­nalised cheating might become, why should we accept it as normal? And if some people, and I am sure it is not some people but many people, do not accept cheating as normal, why does that leave a question mark on their citizenshi­p or their ability to live, survive and thrive in this society? It seems that such arguments are the refuge of those who do not have an argument.

Recently, I had a reminder of this way of thinking from a very different domain. We have some renovation going on in our house.

The mason and other people working on the renovation say they will show up at 8am but do not show up till 11am; if they do, they work at a snail’s pace even though they are not on a daily wage contract, are exceptiona­lly careless about cleanlines­s, have to be reminded of things constantly, compromise on the quality of work unless supervised all the time (literally), and try to make money any way they can in procuremen­t and/ or usage. It is almost as if you cannot rely on anything they say.

When we had that discussion with their boss, after the initial to and fro, his response was “this is Pakistan. This is not how things happen here. Where do you think you live? Are you sure you have been living in Pakistan?”

The underlying issue seems to be different. If a tailor does not deliver your clothes on time, what can you do? If the breach of a verbal promise or contract, and in many cases in Pakistan even on written contracts, has no consequenc­es for the party breaching the agreement, they will not take the contract seriously. It will be a matter of convenienc­e for them.

If the mason comes late, what can you do? You can shout at him, and if he is smart he will say ‘sorry’ but continue doing what is convenient for him.

You can fire the mason and change your tailor, but the cost of doing so for you can be significan­t in terms of finding an alternativ­e and/ or developing a new relationsh­ip. If the mason or tailor has a big enough clientele and he/ she knows that the cost of finding an alternativ­e for you can be significan­t, the mason or tailor has certain leeway.

You can keep shouting and he will keep hearing and not listening and the work will continue the same way.

This is an interestin­g and significan­t incompleti­on of the market. If behaviour had consequenc­es, say there was a central informatio­n portal that rated all masons and tailors and poor ratings impacted the work the mason or tailor would get, he or she would care.

Imagine the extreme impact of reputation­al damage: if you were late in delivery of clothes by one day to one client, it would mean a complete loss of reputation and all future tailoring work.

In such circumstan­ces, do you think the tailor, barring extreme unavoidabl­e circumstan­ces that are allowed for in most contracts, would fail to deliver on time? Of course, this is an extreme scenario to make the point. But the provider would take into account the extent of reputation­al damage resulting from a breach of contract.

This is an interestin­g and significan­t incompleti­on of the market. If behaviour had consequenc­es, say there was a central informatio­n portal that rated all masons and tailors and poor ratings impacted the work the mason or tailor would get, he or she would care.

 ?? ??

Newspapers in English

Newspapers from Pakistan