Saturday, 29 December 2012

Future Dreams (Submission to the Commonwealth Writers Short Story Prize 2012)

“Love does not understand the concept of time.” said Simon as he took the drink I offered to him.

The sun was gliding behind the mountains to the west while we looked northwards over the golf course. I had purchased a piece of land on a golf estate some thirty kilometres south of Windhoek, the capital of Namibia. After many years of saving I had just finished building the house of my dreams. This was the first time I had the time to have a drink and appreciate the sacrifices I had made in my life to get here. Tomorrow, my wife and daughter would move in, today was for me.

Simon was an old friend of mine, and he often spent time telling me stories about the lives of the people around us. He is one of those people who often spends his time alone, but as he insists, he is never lonely.  Perhaps, because he was often alone, his conversation normally started with a startling thought or quotation before telling his story.

“Do you know the one bullet theory?” he enquired from me. Then continued without giving me time to respond, “The theory holds that you can fall in love and make love many times but there is only one bullet with your name on it. And if you are lucky enough to be shot with that bullet then the wound never heals.”

We sat quietly thinking on these weighty words. I am sure Simon, like me, was remembering something from the past to fit into this theory.

“I recently bumped into Martin where he was having a coffee with Catherine. I was quite surprised to see them together as I did not know they were still friends after all these years. You remember their story don’t you?”

I have learnt long ago to let Simon tell his story in his own time which often meant listening rather than participating. So I just inclined my head lightly and frowned.  This seemed to satisfy him that I was listening.

“Martin was born in Windhoek but spent most of his time growing up with his grandparents in Johannesburg after his mother passed away. He would often come to visit his father in Windhoek, and one could see he was taking part in the local games of the children, but he was always separate. Catherine was born in Cape Town and she had moved to Windhoek and she was staying with her Aunt after her father passed away. It is peculiar how they both lost parents at a young age and maybe that’s why their souls found an echo in each. Anyway, the first time I saw them they must have been about six or seven and it was a wedding. In those days you invited everyone in your neighbourhood to the reception. Those were the days,” he sighed

He fumbled with relighting his pipe and I could see he was reliving the days of his youth. Everything always seemed to have been better in ‘those days’.

Once his pipe was lit to his satisfaction he continued, “She was the little bridesmaid. Beautifully dressed in white and looking adorable. You know she is the most beautiful woman I have ever seen, and even back then she stood out from all the other children even though she was always surrounded by friends. Martin was there too, but he was the exact opposite. He looked uncomfortable in his suit and had drifted off to the bottom of the garden where he was staring out into space.”

“I had just started smoking and had sneaked off to the bottom of the garden myself and could see him, but was sure he could not see me. As I was lighting my cigarette, I saw Catherine approaching down the steps to where he was sitting.”

“What are you doing here alone?” she asked him.

“I was wishing a special wish,” he replied

“And what was that?”

“I was wishing the beautiful girl dressed in white would be my friend.” Obviously growing up in Johannesburg had rubbed off on him already and he was too sure of himself.

“I watched them talking and could see the interest they had in each other but they were far too young and innocent to recognise Cupids arrow.  Then someone called for us all to come together for a photograph and Catherine ran quickly back to where the bride and her entourage were waiting. I also made haste to re-join the group, but something made me look back to Martin. I saw him standing there looking towards the sunset and distinctly heard him say ‘One Day I will marry her’. I thought it rather cute at the time but never had occasion to think of it again till some years later.”

As a natural story-teller, you could easily pick up the non-verbal cues from Simon’s story. Not only the soft way he finished that last sentence, but also the rather significant look he gave our empty glasses was enough for me to go for a refill.

As he took the glass from my hand he continued, “I had quite forgotten about Martin until I saw him some ten years later. I was teaching at the high school when he returned to Windhoek. It was quite a scandal as he had come in the middle of the school year and all the students were soon aware that he had been in jail as a juvenile. Something about a bank card robbery if I remember it right.”

“There was nothing wrong with his intellect and as a teacher I had my work cut out for me. If Martin felt something was not clear to him, he would not think twice to stand up in class and ask me to repeat until he understood. Back then we still had caning as a punishment and he had his fair share. It was funny though, he often had a caning for being disruptive, but never for bad marks or breaking school rules.”

By this time the sun had set and the coals were just right for the springbok chops I had been marinating since yesterday. In the meantime, Simon started with the potjiekos in a black cast iron pot which allowed us to simmer the bosvark rugstring (the spine of a bushpig). It was turning into a typical summer evening in Africa. The heat was gone, the whiskey was good, the meat was plentiful and the story was mellow.

I refilled our glasses and we settled down around the fire.

“It was heart-wrenching to watch Martin that year. He was shunned by almost all his classmates and most parents warned their children not to make friends with him. I used to see him walk around the neighbourhood all alone, but he always had a smile on his face as if he understood some joke we all had missed. The only time I saw him serious was when he was watching the other students and Catherine was amongst them. The first time I saw him standing on the edge of the rugby field I wondered about the look on his face till I saw he only had eyes for Catherine. That’s when I remembered the wedding of years gone by and his conviction on his face when he had said those words, ‘One Day I will marry he’”. It was that same look he had on his face on the playground.”

“The One Bullet,” I interrupted him. “That’s what you meant by the One Bullet Theory.”

“Exactly,” Simon replied and went on with his story. “It was hard to watch him pine away on the edge of the crowd knowing he did not stand a chance. She was the most beautiful girl at the school, her foster parents were on the school board and he was a jailbird. It reminded me a bit of Romeo and Juliet and all those other doomed love stories.”

Knowing Simon so well I knew the next part of the story would involve him as part of the outcome. Or perhaps it was just the whiskey that emboldened me.

“So what did you do Simon?” I asked.

“Well, you seem to know me too well by now. I had also had a doomed relationship in my younger days and thought it would be balancing the scales if I took a hand to assist him. It’s funny now that I think back about it – I was not the only teacher that seemed to wish to make the match happen. You see Martin and Catherine were in different classes but the same grade. It was their last year of school and it seemed whenever a teacher sent a student from either of their classes to give a message to the teacher who was given class to the other, the two of them were always chosen as the messenger. At first it was hardly noticeable, but after a while it became obvious to me as the rest of the students in the class had come to notice it and tease the both of them about the other.”

Simon took another long pull of his whiskey before continuing.

“It’s funny. I have seen many students teased by their classmates but Martin’s reaction was very different. The more they teased him, the more he seemed to take it as a challenge. Rather than becoming embarrassed like most other teenagers, he seemed to take it as a badge of honour. Or maybe it was just the fact the other students were treating him as one of them.”

He eyed the lamb chops that were almost done.

“To cut a long story short, within one year of Martin being enrolled at the school he asked Catherine to be his girlfriend. You must imagine the surprise of the teachers and the students when she agreed. Till they became a couple, no girl was interested in Martin at all.  He went from zero to hero and he deserved it, no, I should rather say they deserved each other. Together they started a school newspaper, brought together a drama group and won all the national competitions that year. At their Matric farewell I had a feeling déjà vu – I had seen them looking the same at that wedding of many years before – she in a white dress and him in a blue suit.”

“Like all love stories it was doomed from the start. I had no small blame for the break-up,” he said and finished his drink. “Let us eat before those lamb chops become too dry.”

This was the cue to sit down for dinner. We took our plates and piled it high with lamb chops, bush pig stew and “Baster poeding” – our local version of potato salad. After grace we ate our food in companionable silence. One thing you can say for us Namibians, we enjoy our food and do not waste time talking when there is something important to do.

After dinner, I made us a cup of coffee and made myself ready to hear the rest of the story. Simon, like most Namibians believed a story must take time to its conclusion and would never finish it before dinner. After all, a good story is made much better after one has a full stomach.

“Martin came to see me early the next year after the examinations results had been posted. He was greatly troubled as he had passed with flying colours and the Catherine had not made the grade. He wished to study further and had received a bursary while she would have to get a job as her foster parents had disowned her and she was on her own. He had come to me for advice and that was probably the wrong thing to do.”

Simon got quiet for a while and then started filling his pipe. I knew the silence was him pretending to relive the moment again while the pipe filling was part of his excuse to get me involved in his story.

“So what was troubling him?” I obliged.

“He wished to become part of the student uprising that was agitating for Independence and he knew what the sacrifice might demand from him. For him it was straight forward, either he would stay involved with Catherine or participate in the struggle. He could not have both and nothing I said could change his mind.”

At this point I had to interrupt. “What year was this? I vaguely remember the students boycotting classes and making things difficult for the South African apartheid regime. Was Martin not one of the leaders that were arrested?”

“That’s right. It was 1988 and the internal struggle for Independence was reaching its zenith. The students were becoming more political aware and Martin and his friends were organising the students into specific actions to make the occupying regime take notice. They were boycotting classes and toi toiying (dancing in the streets as a sign of rebellion). But we are getting ahead of the story.”

I sat back and allowed Simon to continue.

“Where was I? Yes, Martin made his decision. He did not want to get old and blame Catherine for not being able to do what he though was his duty. His love for his country and the people was more important than his love for her. I don’t know how he broke up with her but it was hard on both of them.”

He suddenly changed the topic, “Why don’t you bring that bottle of whiskey closer? I think I can do with a stronger coffee.”

I fetched the bottle and put it down between us. Simon poured himself a shot of whiskey in his coffee and offered me the bottle. I politely declined and waited for him to continue.

“I had encouraged him in his studies of Marx and African liberationists and understood his need to participate. I should have tried harder to convince him to think of himself. The sad part was that within two years the situation had changed so drastically and the South African regime left Namibia to get Independence in 1990. Martin had done what he thought was necessary and was rewarded by being the student chosen to raise the new flag the morning of Independence, but at what personal cost?”

“The choices we make can only be understood in hindsight. That’s how life is,” I answered even though I knew it was rhetorical question.

It seemed Simon had not heard me as he continued, “I followed his career and read he got married a few years later and became the Namibian trade representative to Paris, France. Unfortunately he got divorced later and I had not seen or heard from him in over ten years. Apparently he had given up the capitalist life and became a recluse writer and general beach bum. Catherine meanwhile had fallen pregnant shortly after they break up and married the father. Her marriage was short lived, but her career really took off. She studied nights and became a lawyer.”

I could hear the note of melancholy creeping into his voice. I wondered how many times he had thought of this story and wished he could have done things differently. Simon finished his coffee and slowly stood up to get a refill. He slowly sat down and as quiet for a long time.

I did not like to see Simon like this and tried to get him out of his musing.

 “So you saw Catherine and Martin having coffee together?”

“Yes,” he replied. “They had bumped into each other and decided to catch up on each other’s lives. I could see they were still uncomfortable being with each and left very quickly. Perhaps I also felt a little guilty at the decision Martin had made.”

He chuckled rather cynically and shook his head as if to clear his head.
I remembered his opening remarks and inquired, “What did you mean when you said ‘Love does not understand the concept of time’ when you started the story?”

Simon slowly topped his cup of coffee with a shot of whiskey before wistfully answering me, "I looked back at them as left and I could see they were talking in the present about their past, but their souls were already sharing their future dreams."

Friday, 14 December 2012

Consumer Rights are Human Rights

The past week we celebrated the “Old Location Uprising” which coincides with Human Rights on 10 December. On Monday evening there was a discussion on NBC television that was discussing the topic and specifically what was referred to as second and third generation rights. It is important for people to understand these rights and the institutions that are responsible for protection their rights.

Human rights are traditionally divided into two main groups, namely –
civil and political rights, and
economic, social and cultural (ESC) rights (also referred to as second and third generation rights).

In Namibia, since Independence, most people can freely exercise and enjoy the fundamental rights and freedoms recognised and protected in the Bill of Rights entrenched in the Constitution of the Republic of Namibia (Chapter3), most of which are civil and political rights. But how many people enjoy or even are aware of their Economic, Social and Consumer rights? ESC rights play an important role in people’s standard of living and should play a greater role in improving people’s opportunities in life.

A literal interpretation of the Constitution would thus let us understand that some, but not all, consumer protection issues are considered rights.

John Nakuta, in his paper, “The justiciability of social, economic and cultural rights in Namibia and the role of the nongovernmental organisations”, argues that ESC rights can be enforced both directly under the Namibian Constitution through Article 144 of the Constitution, which reads as follows:
Unless otherwise provided for by this Constitution or Act of Parliament, the general rules of public international law and international agreements binding upon Namibia under this Constitution shall form part of the law of Namibia.

The International Covenant on Economic, Social and Cultural Rights (ICESCR) was ratified by the Namibian Parliament and came into force on 28 February 1995. These internationally recognised rights are:
The right to work;
the right to fair conditions of employment;
the right to form and join trade unions;
the right to social security;
the right to protection of the family;
the right to an adequate standard of living, including the right to food, clothing, and housing;
the right to health;
the right to education; and
the right to culture.

This means that civil and political rights as well as ESC rights have to be treated in an equal manner, on the same footing, and with the same emphasis.

The Namibian government as a party to the Covenant, is obliged to take steps to achieve the fulfilment of all the ESC rights recognised and protected under the Covenant. These steps include the adoption of legislation that allows for citizens to have these rights enforced.

Office of the Ombudsman as Consumer protector

One of the institutions created to protect the rights of people in Namibia is the Office of the Ombudsman. According to Wikipedia, an ombudsman is a person who acts as a trusted intermediary between either the state or an organization, and some internal or external constituency, while representing not only but mostly the broad scope of constituent interests.  It comes from the Old Norse word umboðsmaðr, essentially meaning "representative".  In modern language the ombudsman is an official appointed by the government or parliament with a significant degree of independence, who is charged with representing the interests of the public by investigating and addressing complaints reported by individuals.

In the case of Namibia, the Ombudsman is appointed by the President on the recommendation of the Judicial Service Commission and the function of the Ombudsman is defined under Chapter of the Constitution. In brief, the Ombudsman has the duty to investigate complaints against government institutions or employees; the protection of our living resources and violations of fundamental rights and freedoms.

Of particular interest for the Namibian consumer is Article 91 (d) that states:
“The Ombudsman functions shall include the following… the duty to investigate complaints concerning practices and actions by persons, enterprises and other private institutions where such complaints allege that violations of fundamental rights and freedoms under this
Constitution have taken place.”

Already the Office of the Ombudsman investigates a variety of civil, political, economic, social and cultural rights. These have included issues around unfair dismissal, remunerations and salaries, and pension funds. These are all issues of a socio-economic nature, indicating the important role the Ombudsman plays in protecting and enforcing socio-economic rights in Namibia.

Any person in Namibia has the right to complain to the Office of the Ombudsman, including a problem in respects of consumer protection. I would like to encourage any consumer that has an issue of consumer protection to apply for them to investigate the issue.

My hope is that with the support of the Ombudsman we will be able to speed the process of enacting a law on Consumer Protection.


Competitions of luck not so lucky


(Consumer Column - Namibian Newspaper - 6 December 2012)

I would love to win a car for Xmas, or even just a shopping hamper. It’s that time of the year when each of us hopes and desires are higher than normal. We not only want more money for ourselves, but also that we can buy things for people we care about. Companies understand this of course and are busy doing everything to tempt us to think only of today, not the January we all know is around the corner.

As a consumer we understand that our relationship with business is one of mutual benefit. Nevertheless, we also expect our government to create laws that will not leave us powerless when we want compensation when things go wrong, or at least laws that will prevent outright abuse of us as the people of the country.

As a consumer advocate, and someone who cannot see injustice without at least writing about it, I am worried when the government does not do its job.

Before Independence there were laws governing lotteries, raffle tickets and other games of luck. When it was decided that Namibia would legalise gambling this law had to be revised and updated. Unfortunately, the lawmakers concentrated on casinos and gambling houses and forgot about other games of skill. This has left a loophole which is being abused.

To give an example: You and I can come together and decide to hold a raffle with a car as the prize. We will print tickets and even get a car to be shown at one of the car dealers. Our aim will be to sell tickets to raise N$ 400 000 and the car will be valued at N$ 200 000. Till thus far it sounds like something each of us have participated in the hope of winning. However, once we have collected the money I will ensure you (as my partner) will win the car. I will keep the money we collect and you win the car. This is a really good business idea for you and me, but what about the other people who all bought a ticket? I am sure they would not buy a ticket if they knew they would not win.

Or what about selling scratch cards that promise you cash if you get a certain number of pictures that match? Would you buy a scratch card if you knew that not a single card that was printed actually has a winning combination?
Or how about a competition that you enter by sending an SMS where the promoters promises that the first person to send an SMS is going to win? Surely they would not continue charging people who send in an SMS after the prize has been won?

You as a consumer would think that you are protected against this kind of business venture, right? Wrong. I had the opportunity to discuss the new gambling bill that is being discussed around the country and found out that the present law does not cover this kind of business activity. If you participate in these games of luck (and sometimes the business even suggests it is a game of skill), you have no place to complain. The promoters might be acting unethically, but they are not acting illegally.


The Ministry of Environment and Tourism is in the process of speaking to stakeholders and they need complete this as soon as possible and get this legislation to parliament to make sure that we as the citizens are protected.
So next time you give your hard earned money in the hope you win something, think carefully about whether you actually know you stand a chance of winning in a fair manner.

A Consumer Christmas Wish List


During the Xmas period it is considered part of the festive season to give and receive presents. I remember as a young boy writing a letter to Father Xmas and asking for the gifts(s) I hoped to find under the tree. Many times I was disappointed and had to do with small gift and more often than not, practical things like socks or other clothing articles were part of my “presents”.

For this Xmas season I have made a wish list of things I would like to see for the Namibian consumer.

Friendly Customer Service

Many employees in government and private business are not aware of the saying, (or simply ignore it), “The customer is king”. While it is understandable that the salaries are never enough and personal problems are worrying you, please make an effort to greet your customer and provide the most helpful service you can. Not only will you make me happier, but it will also lead to me doing more business with your company – which will lead to more profit and hopefully better salaries.

More affordable banking choices
Banks provide an important service. If you as a consumer wish to grow, you need the credit provided by the bank. My wish is that banks work at innovative ways to make the services more affordable.

Buying “Made in Namibia”

Buying products made in Namibia or preferring to use services provided by local companies’ means more profits for local owners who will create more jobs and these consumers in turn buy more in an ever increasing cycle of growth. Buying local is not only good for you; it’s good for all of us.

Understandable Pricing

The prices on products in the shops are often difficult to compare. The same product is packed in different sizes and makes comparison difficult. I would like to see the shops provide the price of all products broken down into the price per kilogram, litre or some other unit that will allow me to make comparisons between products of different sizes.

Consumer Law

The Ministry of Trade and Industry, the Ministry of Justice, Namibian Financial Institutions Supervisory Authority (Namfisa) and the Namibian Competition Commission have made presentations on consumer protection frameworks during the past few years. I wish for a comprehensive legal draft on consumer protection to be tabled in Parliament (soon).

Affordable Housing for all

The demand for housing is not being met by the National Housing Enterprise (NHE) or the assistance programmes created by local authorities. Preventing foreigners from buying properties in urban areas is not going to greatly influence the prices or provide more erven for first time buyers. I wish for better town planning which will purposefully create mixed economy housing. By this I mean having lower income housing areas close to (and between) high income housing. For example affordable housing areas on the east side of Windhoek close to Klein Windhoek, Avis and Ludwigsdorp. This will not bring down the cost of housing in these areas, but will certainly bring down the cost of transport and other costs for the workers who have to work in these areas if they live closer.

Away with January Blues

Of all my wishes, this is the one where you have to be good consumer to get your gift. No matter what the temptation is, do not spend more than you can afford. Save some money and remember that after Xmas there are many bargains to be had for cheaper when consumers are no longer “in the spirit of buying”. If you can spend according to your budget you will have money left in January.

Lastly, I wish for all consumers to remember some good advice given to me by my grandfather, “Never buy food, clothes or petrol on credit. Never use now and pay later. You will not appreciate what you bought if it is old when you have to pay for it.”

Monday, 3 December 2012

What is the information you need when taking a bank loan?


Before you take a loan (or other financial product) you have the right to receive all the necessary information that will allow you to make an informed financial decision.
If you are taking a loan, you should know the answers to the following questions before agreeing to the loan.

  • What is the size of the loan amount you are borrowing?
  • What is the loan term? This is how long it is going to take to repay the loan.
  • What is the interest rate? This is the percentage of the total loan amount charged for using the loan amount. It is normally charged on a monthly basis.
  • What are the fees on this loan? These are normally once-off payments or administrative costs such as a loan processing fee.
  • Do I have to take out insurance with this loan? If you take out loan insurance it will pay back your loan if something bad happens to you. This will protect your family and guarantee the bank gets its money back.
  • How much is the loan payment? This is the amount of money you have to pay at regular intervals to repay the loan.
  • What is the repayment schedule? This is the frequency with which you need to pay. Normally a bank loan is repaid on a monthly basis.
  • Do I need collateral? This is a guarantee in the form of assets such as property that the lender can take if you fail to pay the loan.
  • What happens if I pay late? If you do not repay on or before the dates agreed, the bank may charge a penalty. It can be that penalties in the form of a fee or increased interest charges are added to your payment for each day you are late. 
  • What are the consequences of default? If you should stop repaying the loan completely, the bank will take your collateral and will register you with the credit bureau.

Remember, the relationship with your bank is a life time one. The longer the bank knows you, (and the more your bank gets to trust you because you keep your commitments), the easier it becomes to get preferred rates and charges that will provide you with even cheaper credit.

History of credit in Namibia


Credit is a word with various meanings. These include praise, recognition or acknowledgement and that is why the list of names at the end of a movie is called credits. It can also refer to reputation or character, but most often we use it to refer to a product or service that is provided now and paid for in the future.
Most of us use credit to purchase a house, a car, clothes and sometimes even groceries. If we take on too much credit, we find it difficult to get out of the cycle of indebtedness. In Namibia, indebtedness has become one of our biggest problems and needs to be tackled sooner rather than later.

In this week’s column, I investigate the history of credit in Namibia under German colonial rule and see if we can learn any lessons from the past.

The credit system evolved in the early 1840s and started to destroy the economic structures of many Namibian communities. It is recorded in the history books that around this time Jonker Afrikaner incurred heavy debts with the trader Morris. It is speculated that Jonker’s raids on the Ovambanderu in 1846 was a direct response from Morris on him to pay his debts.

By the late 1890s, the German Administration had realised the extent of the problem and the administration decreed that “no person could be sued for credit”. Pressure from the business community forced the administration to suspend the regulation on 22 February 1899.

Increases in trading activity also brought problems for Samuel Maharero. The traders expected his help in collecting their debts and held him personally responsible if debts were not paid. These rising debts led to the “sale” of land, and traders such as Gustav Voigts, Fritz Wecke, Ludwig Conradt and John William Wallace of Okombahe were paid in this way. It is recorded that the missionaries Diehl and Viehe sharply attacked Samuel Maharero for “selling” the Okakango locale, north of Okahandja, to settle his debts.

This made it necessary for the District Chief of Okahandja, Zürn to relieve the pressure on Samuel Maharero by declaring that “while Samuel himself still has unpaid debts, he could not accept responsibility for the debts of others”.

This increase in trading activities on credit (and the method of debt collection) drew attention to the more serious problem of the “land issue”, which conflicts with the notion of a “settler colony”.

By 1903, a Credit Commission appointed by the German Government to study the problem of credit and look into how indigenous people should settle their debts to the traders completes its recommendations. Theodor Leutwein, (the “Kaiserlicher Landeshauptmann” or Governor) issued a proclamation in July 1903 that enacted the long awaited credit regulations. The credit regulations outlawed the sale of “tribal” (communal) land to curb abuses. Recognising that the regulations would restrict their ability to collect debts, the traders used even harsher methods to collect outstanding debts before the regulations came into law.
In early 1904, just before the Ovaherero uprising, Gustav Sonnenberg held discussions with Chief David Kambazembi on the growing indebtedness of the Ovaherero. The uprising had several causes including the loss of control and ownership of traditional land, moneylending by traders, increasing debts, cases of rape, the sale of alcohol, and threats to Samuel Maharero’s life.

In history we can see that the business and financial practices under colonial rule led to the people of the country becoming disqualified from the economic opportunities of their own country. Our modern struggle for Independence will only be complete when the business and financial practices become a qualifying force to enable Namibians to participate in the economic opportunities of the ‘Land of the Brave’.

Growing trend of mobile phone spam in Namibia


A consumer recently sent a copy of an SMS that offered the consumer a chance to make money from filling in forms and directed them to a website. The email reads:
“Earn Extra income. Get paid up to N$3 750 per form. No computer needed. Very profitable. Visit www.mynamcash.com to get started.”  The short message was sent from the short service number 5001.
Once a consumer uses the website link, (which sounded Namibian) they were redirected to a website in South Africa. In addition, the page created a pop-up window which offered a free computer programme download. This is a typical example of spam being used to get more of your personal details which the website owners can sell to other spammers and they use your network of contacts to further spread their message.

Unfortunately there is no easy way to make money. These types of messages are mobile phone messaging spam that is aimed at getting you interested in something for nothing before making your money disappear.

What is SPAM?

SPAM stands for Salted Pork and Meat (or as we know it in Namibia – bully beef), and is now commonly used to refer to uninvited messages or advertising sent out in bulk. While the most widely recognised form of spam is e-mail spam, the term is applied to similar abuses in other media: instant messaging spam, Web search engine spam, spam in blogs, wiki spam, online classified ads spam, mobile phone messaging spam, Internet forum spam, junk fax transmissions, social networking spam, social spam, television advertising and file sharing network spam.

The aim of the SPAM is to get you — the consumer — to react to the information message and then be drawn into making a purchase, giving your personal information or even becoming involved in an attempt to defraud you of your money.

How do I stop SMS spam?

The cellular providers in Namibia do not have a regulatory body as yet. In South Africa commercial SMS messaging is regulated by the industry organisation WASPA (Wireless Application Service Providers’ Association). Membership of WASPA was made mandatory in 2005 by the mobile operators and TV stations for any company doing value added services in South Africa. They also provide a list of approved SMS providers and allow consumers to complain via their website or telephonically.

The Namibian cellphone companies allow businesses to send SMS messages to users using the short service number (for example 727 or 5001). Businesses using this service can determine how much they wish to charge if a consumer uses this number to send in a reply. The cellphone companies charge the costs of a normal SMS, and a further 50 percent of the costs being charged to the consumer. When a company wishes to rent a short service number they are informed that they should get permission from the consumer to send to their number, but no official procedure seems to be in place to manage consumer complaints.
As a consumer it is your responsibility to protect your cell phone number by being careful who gets your number. One of the biggest sources of SMS spam is number gathering carried out by Internet sites offering “free” ring tone downloads. In order to simplify the download, users must provide their phones’ numbers. This information is then used to send frequent advertising messages to the phone.

It must be noted that companies can collect your number to send you messages you might want to receive, for example your account payment reminders or promotional offers. You should check whether they keep your information private and do not share it with other businesses.

Another consumer scam

While investigating this issue, the cellphone companies wished to remind consumers to be careful when answering missed calls or CallMe requests from a number you do not recognise. Some consumers have been fooled into phoning back and the party answering has transferred their call or some other trick to keep them on the line. When the consumer gets their account, they find this was a premium number and they have been charged a lot of money for this call back.

Namibian Telephone Numbering Plan


Your telephone number belongs to you. This is a basic accepted principle by any consumer. After all, who would dial your number unless they wanted to speak to you?

It should therefore mean that you can keep your number even if you change your provider from Leo to MTC or even from a mobile company like MTC to your home telephone. The idea that your number belongs to you is called number portability and the method of implementing this is through a National Telephone Numbering Plan.

As a consumer, you have an attachment to your number. After all, you give out on your CV, to your friends and family and to creditors. If you change your telephone service provider, you will have to face the inconvenience of learning the new number, changing your documents and making sure everyone knows your new number. This inconvenience has a financial cost and could be important in forcing you to stay with your service provider, even if you are unhappy with the service, or can get a better deal from another provider.
Being able to change your provider without changing your number gives you, as the consumer, the power and the right to choose the telephone service provider that makes you happy with it price, service and products.

Since 2002, most countries around the world have opened their telecommunications markets to competition (that include a national numbering plan), which has accelerated the deployment of telecommunications services more quickly and cost-effectively than past monopolies have achieved. For example, the European Union (EU) Universal Service and Users’ Rights Directive (2002/22/EC), Article 30 — effective since July 2003 — imposes on all EU member states the following obligations:
“Member states shall ensure that all subscribers of publicly available telephone services, including mobile services, who so request can retain their number(s) independently of the undertaking providing the service:
• In the case of geographic numbers, at a specific location; and
• In the case of non-geographic numbers, at any location.”

The Communications Regulatory Authority of Namibia (Cran) is mandated to establishing a numbering plan and to require mobile number portability by 2013. According to a recent advertisement, Cran is looking for sufficient information to justify the implementation of number portability taking into account consumer needs, ensuring fair competition in the market and economic feasibility.

Cran will have to establish a numbering policy that provides a legal, legislative, and regulatory basis for competition. Then Cran must decide on numbering and dialing schemes, services, technologies, and billing and tariff methods that support its chosen numbering policy. Lastly, it must also establish a fair, neutral office for numbering administration.

From discussions with Cran and industry representatives, it is obvious that certain telephone providers would prefer not to have a numbering plan implemented. The argument being put forward is that the plan has not worked well in some countries because of the costs involved, the implementing agency not being technically capable, etc.

It is understandable that Cran should look at the costs or other issues involved for the providers as they will put these costs on to us as the end user. However, the power granted to the consumer to change providers will force cheaper prices and a better service which is the ultimate reason for the establishment of regulatory authorities that need to “take into account consumer needs”.

As consumers, we often do not have the regulations or protection we need because we lack an adequately funded organisation that will look after our needs and address issues such as the national numbering plan to ensure that government and its regulatory authorities such as Cran, Electricity Control Board, etc do “take into account consumer needs”.

This needs to change.

Monday, 12 November 2012

We need Consumer Protection laws


Since Independence, Namibia’s lawmakers have been preparing laws to make all our citizens equal and to ensure that our rights are protected. They have scrapped discriminatory laws and created laws that give us access to equal opportunities. Thanks to these efforts by our parliament, all of us know exactly what our human rights are.

As part of the efforts of creating equal opportunity for all, the government ministries and institutions have concentrated on bringing laws and regulations that assist in sharing the wealth of the business community amongst the black population. These laws have covered ownership of businesses in various sectors such as farming, mining and fishing as well as lifting of restrictions on certain business areas which excluded the majority of Namibians.

One of the major partners in these efforts has been the chamber of commerce and industry. The NCCI was instrumental in getting one voice for business and has become a partner for development. In exchange, the government has helped the chamber by channeling grants and donor funds, and even gone so far as to purchase them a building in Windhoek for their operations. It is good that Namibia has become a country friendly to business, but what about the protection of the consumer?

We hear about consumer protection but hardly do we ever hear exactly what that means to us as a person. The question you have to ask is, “Who do I need protection from?”

According to Wikipedia - “Consumer protection law or consumer law is considered an area of law that regulates private law relationships between individual consumers and the businesses that sell those goods and services.” Unfortunately, Namibia’s lawmakers have failed to create the laws necessary to protect its consumers. This needs to change.

A recent example of this is the decision by NAMFISA to “remove the Consumer Credit Chapter from the Financial Institutions and Markets Bill. The scope of the Consumer Credit Chapter was deemed too wide and necessitates considerably more research in order to develop a comprehensive policy for consumer credit in Namibia.”

The history of this law makes one realise that Namibian consumer is being ignored.

History of the Consumer Credit Chapter
In 2006, the Parliamentary Standing Committee on Economics, Natural Resources and Public Administration invited the public, banks and the private sector to discuss what can be done to make banking more affordable for the majority of Namibians. At the meetings, it was agreed by various presenters that we need legislation that will cover competition issues, but just as important would be the need to have consumer credit legislation. The Parliamentary Committee then tasked the Ministry of Finance and its institutions to prepare legislation in this regard.

After 6 years of consultation, meetings, road shows and various legal drafts, NAMFISA has removed the legal provisions which would cover what types of credit agreements would be allowed, the registration of credit providers, rules for the listing in credit bureau and the registration of debt counsellors.

More importantly, they will no longer include the following rights of the consumer:
  •  Right to apply for credit
  • Protection against discrimination in respect of credit
  • Right to reasons for credit being refused
  • Right to information in plain and understandable language
  • Right to receive documents
  • Protection of consumer credit rights 

The laws we need
The laws we need in Namibia have to cover the following issues:
  • Product liability - Businesses who make products must be held responsible for the injuries those products cause;
  • Unfair Business Practices – These should include looking at leasing of property and the increases in rental prices, the settlement of insurance claims and debt collection when there is a default;
  • Guarantees – Forcing sellers to provide a money-back guarantees to consumers if they wish to return a defective product
  • Consumer Credit – Regulation of credit bureau (such as ITC and Compuscan), assistance with debt counseling and repairing of credit reports, consolidation of loans and regulating of credit that can lead to bankruptcy
  • Small Claims Court - This is a court of law where ordinary people can handle their own cases. It is not necessary to have a lawyer (and their costs) as the forms are meant to be a kind of do-it-yourself where you fill in the blanks. The court has less formal and less complicated rules and procedures than the Magistrates Court
  • Privacy Protection –At present the Constitution guarantees only Physical Privacy. The storage of personal and business information (Informational Privacy) must have legislation that will prevent misuse of this information. In addition, the individual in Namibia must be able to access any, and all, information that is stored by the state (public institutions).



Namibian Telephone Numbering Plan


Your telephone number belongs to you. This is a basic accepted principle by any consumer. After all, who would dial your number unless they wanted to speak to you?

It should therefore mean that you can keep your number even if you change your provider from Leo to MTC or even from a mobile company like MTC to your home telephone. The idea that your number belongs to you is called number portability and the method of implementing this is through a National Telephone Numbering Plan.

As a consumer, you have an attachment to your number. After all, you give out on your CV, to your friends and family and to creditors. If you change your telephone service provider, you will have to face the inconvenience of learning the new number, changing your documents and making sure everyone knows your new number. This inconvenience has a financial cost and could be important in forcing you to stay with your service provider, even if you are unhappy with the service, or can get a better deal from another provider.
Being able to change your provider without changing your number gives you, as the consumer, the power and the right to choose the telephone service provider that makes you happy with it price, service and products.

Since 2002, most countries around the world have opened their telecommunications markets to competition (that include a national numbering plan), which has accelerated the deployment of telecommunications services more quickly and cost-effectively than past monopolies have achieved. For example, the European Union (EU) Universal Service and Users’ Rights Directive (2002/22/EC), Article 30 — effective since July 2003 — imposes on all EU member states the following obligations:
“Member states shall ensure that all subscribers of publicly available telephone services, including mobile services, who so request can retain their number(s) independently of the undertaking providing the service:
• In the case of geographic numbers, at a specific location; and
• In the case of non-geographic numbers, at any location.”

The Communications Regulatory Authority of Namibia (CRAN) is mandated to establishing a numbering plan and to require mobile number portability by 2013. According to a recent advertisement, CRAN s looking for sufficient information to justify the implementation of number portability taking into account consumer needs, ensuring fair competition in the market and economic feasibility.
CRAN will have to establish a numbering policy that provides a legal, legislative, and regulatory basis for competition. Then CRAN ust decide on numbering and dialing schemes, services, technologies, and billing and tariff methods that support its chosen numbering policy. Lastly, it must also establish a fair, neutral office for numbering administration.

From discussions with CRAN and industry representatives, it is obvious that certain telephone providers would prefer not to have a numbering plan implemented. The argument being put forward is that the plan has not worked well in some countries because of the costs involved, the implementing agency not being technically capable, etc.

It is understandable that CRAN should look at the costs or other issues involved for the providers as they will put these costs on to us as the end user. However, the power granted to the consumer to change providers will force cheaper prices and a better service which is the ultimate reason for the establishment of regulatory authorities that need to “take into account consumer needs”.

As consumers, we often do not have the regulations or protection we need because we lack an adequately funded organisation that will look after our needs and address issues such as the national numbering plan to ensure that government and its regulatory authorities such as CRAN  Electricity Control Board, etc do “take into account consumer needs”.

This needs to change.

Thursday, 18 October 2012

My debt is more than double?


In Namibia, the Consumer Law can do a lot to prevent the endless circle of debt and poverty consumers get trapped in. Take for example the principle of in duplum.

“In duplum” is a Latin phrase derived from the word in duplo which means "in double". The rule has its origin in the Roman Dutch law. It basically provides that interest stops running when unpaid interest equals the outstanding capital amount.

It has always been considered illegal (and immoral) to charge interest which is more than the original amount owed, except in special circumstances but people such as banks, lawyers, debt collectors, etc get away with it because it is a common law rule. This means there is uncertainty when applying the rule, especially by the courts.

Thus a creditor should not charge more than twice the original amount due - but lawyers charges, tracing fees, administrative costs, etc. can inflate the debt to almost any amount?

This common law "in duplum" rule has been codified by statute in South Africa, which now protects consumers against predatory interest rates on loans and further provides better clarity about when the rule applies and when not.

Namibia needs legal protection for its consumers – the Consumer law is a necessity not a nicety!
 

Thursday, 4 October 2012

Why is the consumer protection law taking so long to implement in Namibia?

Namibians discuss the Competition Act
The Namibia Competition Commission (NaCC) held a consumer awareness week in the capital from 24 to 27 September 2012. The week centred around two issues, namely the competitiveness of Namibia and the need for a consumer protection law. The participants included ministries, government institutions, non-government organisations, the media and members of the public.

In the one-day workshop entitled consumer protection, an absolute necessity in Namibia, various aspects of a consumer protection law for Namibia were discussed. The conclusion of the workshop was that everyone agreed a law is necessary and everyone agrees with what should be included.

So what has been the delay in tabling a bill to Parliament?
The Ministry of Trade Industry's Consumer Protection Division had to decide where Consumer Protection should be housed. In other words, should it stay in the Ministry, be a new Commission or be a division of the NaCC.

THAT's Right! The only decision that needs to be made is by whom should the law be regulated.

The Namibia Consumer Protection Group (NCPG) made it clear that this is not sufficient reason to delay the law and fully supports the proposal that the competition law should be a division of the Namibia Competition Commission (NaCC).

For your information, the rest of the article covers what is consumer protection, and what are your rights as a consumer.

What is consumer protection?
Consumer protection consists of various laws and institutions that are designed to:

  1. Ensure the rights of consumers
  2. Ensure fair trade competition
  3. Provide free flow of information in the marketplace
These laws are designed to prevent businesses that are out to defraud consumers, or prevent businesses taking advantages over their competitors (to the disadvantage of consumers) and should also provide protection for those consumers that are disadvantaged or unable to take care of themselves.

Consumer Protection Laws are thus a form of government regulation which aim to protect the rights of people who spend their money in buying goods and services. For example, the laws may require businesses to provide money-back guarantees or not allow false advertising.

Consumer protection is very closely linked to the idea of "consumer rights" (see the consumer charter later) and to the formation of consumer organisations which can help consumers make better choices or get help with consumer complaints.

Consumer protection laws in some countries deal with a wide range of issues including credit repair, debt repair, product safety, service and sales contracts, bill collector regulation, pricing, utility turnoffs, consolidation, personal loans that may lead to bankruptcy.


What are your consumer rights?
The consumer organisations, Ministry of Trade and Industry, as well as all the government institutions agree on the following rights of Namibians consumers:


  • The right to basic goods and services which guarantee survival.  This includes Food,Water, Electricity, Telephone and Internet access.
  • The right to be protected against the marketing of goods or the provision of services that are hazardous to health and life. 
  • The right to be protected against dishonest or misleading advertising or labelling. 
  • The right to choose products and services at competitive prices with an assurance of satisfactory quality. 
  • The right to express consumer interests in the making and execution of government policy.
  • The right to be compensated for misrepresentation, shoddy goods or unsatisfactory services. 
  • The right to acquire the knowledge and skills necessary to be an informed consumer. 
  • The right to live and work in an environment which is neither threatening nor dangerous and which permits a life of dignity and well-being.


Friday, 14 September 2012

Creating an Information Bank for Namibian consumers

My name is Milton Louw and I am a social entrepreneur that has been developing a central register of data for Namibia since 1993. As a student of computer science and statistics I was interested in developing an economic modeling system to assist my country through the first years after Independence in 1990. At present, this personal data register includes over 1 million records, or over half the population. This comes from public information such as electoral rolls, land registers, etc. and is freely available.

In 1999, I started a partnership with Creditreform Düsseldorf Frormann KG to develop a proposal for an integrated central register of personal and business data that would assist Government and the financial services industry provide better services to the people and businesses. The collection of data has continued over the 12 year period and we have met with various government officials to explain the benefits. However, the understanding of how to implement the technology has been lacking. (The business register has been our main focus and consists of over 11,000 businesses.)

Since 2010, I have read with interest the work the World Economic Forum (WEF), has been doing in regards of personal data and its impact in the world today. The WEF, has started discussing personal data as a new asset class and in its most recent report: “Rethinking Personal Data: Strengthening Trust” they suggest four main steps to be taken, namely:


  1. Engage in a structured, robust dialogue to restore trust in the personal data ecosystem. The debate needs to focus on achieving consensus on some of the key tensions, including securing and protecting data, developing accountability systems, and agreeing on rules for the trusted and permissioned flow of data for different contexts. Central to this dialogue is the inclusion of individuals, who play an increasingly important role as both data subjects and as data creators.
  2. Develop and agree on principles to encourage the trusted flow of personal data. The simple slogan of “think globally, act locally” can help frame these principles (i.e. shared principles can help all the actors aim towards the same outcomes, even if their approaches for how to get there differ).
  3. Develop new models of governance for collective action. Regulators, organizations and individuals can play complementary roles in establishing accountability systems, enforcement mechanisms, rights and permissions.
  4. Establish “living labs”. Given the complex social, commercial, technical and regulatory uncertainties and interdependencies, an environment which can provide stakeholders with the ability to test and learn in real time (and at scale) needs to be established. These labs can provide a safe context for more fully understanding the system dynamics and collectively identifying shared opportunities, risks and the means for effective collaboration.


I would like to offer my databases and experiences in Namibia to a research organisation or team, to use in establishing a “living lab” on a country-wide scale.

http://milton-louw.blogspot.com/2012/05/lets-put-namibia-on-forefront-of.html

Monday, 20 August 2012

Can entrepreneurship be taught?


Permission to reprint from Anthony Farr

For decades, entrepreneurship has been viewed as something risky and mysterious that only a few lucky mavericks could master. This perception has been fuelled by a public reverence for successful individuals, who seem to have had no formal training to which their entrepreneurial success could be attributed. Some educational institutions have also shunned or quashed entrepreneurship as a non-discipline, something unteachable and incongruous with traditional discipline-based courses.

Whilst the significance of entrepreneurship for a country’s economy is rarely disputed, the much-debated question is whether entrepreneurship is an elusive and exclusive “talent” that is inherent in some, or whether it can be taught and therefore extended to a wider segment of the population who will contribute to the growth of its economy. But I believe that entrepreneurship can be taught and that it is a process that begins with rethinking its definition.

Redefining entrepreneurship

“Our perception of entrepreneurship has to echo that of innovation and entrepreneurship” writes author, Peter Drucker, in his assertion that entrepreneurship is not magic; it’s not mysterious; and it has nothing to do with genes. “It is a discipline and like any discipline, it can be learned.” The first step is to realise that entrepreneurship is much more than starting a business. It is an innovation and opportunity driven attitude and mindset that is applicable across all areas of activity.

It therefore cannot be oversimplified or categorised as a subject to be done. The application of this understanding is especially crucial when it comes to instilling an entrepreneurial ethos at school level.

The role of educators

Education, its methodologies and content, life orientation tasks, camps, projects, role models etc, should activate an awareness of opportunities and be holistic. They have to be built into every school activity and not planned as another subject on the curriculum.

In this information age, schools should create endless opportunities for activating information through developing children’s ability to have insights which are then converted into permanent habits.

The role of curriculum designers and teachers cannot be stressed enough: Curriculum designers should be paying attention to cultivating, encouraging, and activating the mindsets that are required as prerequisites for business start-up, whilst teachers should develop cross-cutting methodologies that are used in all subjects that then become the creative vehicles for developing entrepreneurial attitudes.

This way, by the time pupils leave school they are prepared to participate entrepreneurially in anything they do. However, this is not an education that remains in the classroom. Parents would be well advised to look for opportunities to foster creativity and new projects with their children.

The role of government

According to Kristie Seawright, Executive director of the Global Economic Monitor, in order for entrepreneurship training to be productive in low-income countries, it needs to be complimented by beneficial government policies, infrastructure, and other basic requirements.

The first stage of instilling entrepreneurship as a culture is by rewarding it socially and financially by society. Whilst the social reward comes from each and everyone one of us celebrating and encouraging entrepreneurial individuals, the financial reward is primarily the government’s responsibility.

In many ways government controls the balance of a country’s risk reward equation, which is a key component in incentivising entrepreneurial activity. A key first action that government must take is to de-stigmatise financial failure. Bankruptcy related laws need to be amended to ensure that one business failure does not mean the end of a person’s career, but rather becomes a learning opportunity for future entrepreneurial success.

Yet there are two sides to this equation and government would be well advised to leverage the rewards on offer for entrepreneurial endeavour – a quick win would be by means of greater taxation concessions for start-up companies.

It is crucial for a developing country such as ours to stimulate and embrace an entrepreneurial spirit to achieve the much-required economic transformation and a stronger presence in the global economy.

There are no lucky individuals who magically acquire entrepreneurial success, just as there are no predictable traits that will give them a competitive entrepreneurial edge. There is no consistent profile of an entrepreneurial individual. Some are extroverted, others the opposite. The only common thread found across entrepreneurs is a deep desire for achievement and a discontent with the current status of a particular context.

In much the same way that a consistent proportion of the population across different countries excels at mathematics, it is likely that a similar proportion of the population are entrepreneurs. It is believed that this proportion is approximately 20%. In South Africa the actual level of entrepeneurship currently sits at 5% which leaves us with a deficit of 15%.

We need to understand why this deficit exists and attempt to unleash the latent entrepreneurial activity that should exist within that 15% .

These individuals do not need to be taught entrepreneurship as much as opened up to the possibility and then to be encouraged to exercise their natural ability in this area.

This does not exclude the remaining 80% of the population group where the question of nurture vs nature and whether entrepreneurship can be taught becomes even more amplified.

Not everyone can be an entrepreneur; however, it is imperative that the skills and attitudes of an entrepreneurial mindset are adopted more widely in response to the increased rate of change in society.

Inheritance Tracing Agency


Inheritance Tracing Agency is a wholly owned Namibian Company, managed and operated by Namibians. Established in 2010, ITA specializes in finding beneficiaries and unknown heirs as well as the re-unification of assets, by providing pro-active search services to individuals, companies and the legal entities in Namibia

According to the founder Andreas Hamutenya, The Company’s services promote consumer education and serves as a consumer protector. Clients can buy these financial products and services without hesitation knowing that they will actually benefit from such products in events of re-location or even death. Financial institutions are also benefiting in terms of administration costs reduction as these institutions won’t be dealing with the issue of making follow ups on where-about of untraceable clients. By seeking out sources of misplaced assets in situations where heirs can not be identified or located, the company boosts awareness, confidence and trust among the general public with regard to financial products and services, and hence creating, enhancing and developing the Namibian financial sector and the whole economy at large. 

ITA also helps Insurance companies trace clients who have stopped paying their premiums without any notifications. On successful trace, such clients are notified or reminded of their insurance policies and help bring them on board again. This will help insurance companies minimize lapses, and also increase revenue as more money will be flowing in from these traced clients. Taking proactive steps, demonstrates a commitment to corporate governance and social responsibility, reinforcing customer perceptions of financial institutions’ brands, says Andreas.

In Namibian, it’s estimated that millions of Dollars in life insurance and other types of financial payouts goes unclaimed each year due to lost or unknown policies. Insurance companies may not even be aware of members’ deaths, and find it difficult to track down beneficiaries.  In response to this problem of unclaimed benefits, the company has launched a registry database where members of the public can register the names of financial institutions that have their financial assets. The main aim of the database is to ensure that members’ efforts to secure their families’ futures don’t go to waste. This provides members and their beneficiaries’ peace of mind, ensuring that members’ financial legacies are not lost due to simple human error, passage of time, re locations, buyouts, natural disaster, or lack of communication. Your life insurance company, bank or pension fund administrator’s name will always be located somewhere for your designated beneficiaries to find it.

 
The database will allow registering categories of accounts such as life insurance, safe deposit boxes, annuities, investment/bank accounts or even simply stating the lawyer holding onto their WILLS, or people appointed as their EXECUTORS/ESTATE ADMINISTRATORS, or just any inheritable assets on the database. Members’ information will be protected with physical and digital safeguards similar to those employed by banks to secure online banking transactions.

Member information is further secured by the fact that ITA does not ask for bank account numbers or insurance policy numbers, bank balances/values or types of investments or policies. With only a name of the clients' financial institution, a thief cannot penetrate these two institutions without proper identification. In other words, any information to be gained by breaching ITA security measures would be useless for purposes of identity theft or other types of theft or fraud.  Further information SMS ‘’info’’ to 95559 or email: info@ita.com.na visit www.ita.com.na Telephone (061) 225186.

I will put you in your place


Don't ever mistake 
my silence for ignorance,
my calmness for acceptance
or my kindness for weakness

Had an opportunity to realise again that some people take my kindness for weakness.

Just because I am always taking life as fun, does not mean I do not have serious side. When I say NO, it means NO, even when I say it with a smile.

I had to learn that people only say and do what I allow them to. I might not walk around looking angry all the time, but I will put you in your place when I feel disrespected - and I will do it with a smile.

Thursday, 16 August 2012

Showing my love for my neighbour


Paraphrased from Corinthians 13. The bible verse gifted to me by my Grandmother, Joyce Du Preez.

I have been taught three things are necessary in life: faith, hope and showing my love for my neighbour and the most important is showing my love for my neighbour.

Even though I can speak four languages and write computer programs, but do not show my love for my neighbour, I am like pirated music;
And though I can see future trends, understand social media and have an international blog; Even though I have faith that I will become President of Namibia, and do not show love for my neighbour, I am nothing and have no social influence;
Even though I am leaving my riches to feed the poor, and my body will be buried in heroes Acre, but do not show my love for my neighbour, it will not make me wealthy;

Because when I show my love for my neighbour,
- I lend my ears and give from my heart
- I am not jealous or resent the good fortune of my neighbour
- I am not arrogant or swollen with pride
- I am not rude
- I am not always seeking to receive my share or commission
- I am not easily irritated
- I do not think evil of my neighbour

I get angered by injustice and wealth inequalities and promote ethics and morality

I accept my own situation, believe, hope and endure all challenges

The love I show for my neighbour will never stop,
- even when my future predictions do not come true
- even when new technologies are not understood
- even when my skills become out of date

At this moment, I only know a little and can only guess to the future - When I reach heaven, I will no longer need to guess

When I was self-centred, I spoke about myself, understood only my own opinion, and thought only of my own well-being, now that I understand my part in society, I no longer think on those foolish, selfish things

While I am on this earth, I can only see shadows, but there I shall see clearly;
Now I am only aware of things fed to me through television and news, but only in heaven shall I fully appreciate the gifts God has given me.

I have been taught three things are necessary in life: faith, hope and showing my love for my neighbour and the most important is showing my love for my neighbour.

Tuesday, 31 July 2012

Please list me as the Father of your Child


I am the named as the father of a child on his birth certificate, but I am not the biological father. This was my choice. I offered my name to his mother.

Let me tell you the story.

In 2004, I met a young woman who had a child of 3 months old. Really cute (as most babies are) but the mother did not have a name for him. HUH? When i questioned her she told me that the Ministry of Home Affairs would not register the child without the name of the father. Unfortunately she did not know who the father was. This meant she had no birth certificate, and worse could not get a clinic card for her son.

I went with her to the offices and offered to have them list me as the father. The GRN official told me that this was not possible unless i was the biological father or married to the woman.

Now those of you who know me - know I don't take no for an answer.

I walked next door to the marriage regitration office and booked a marrigae appointment with the woman for the next week. With this marriage appointment I returned to the Birth Registration office. The GRN official was more than happy to now register "my" son.

Five minutes later, I called off  my "engagement" and cancelled the wedding appointment.

My son now has a birth certificate and will carry my surname.

Thursday, 26 July 2012

Establishing a Namibian Savings and Credit Cooperative


Introduction

The consistently increasing living cost has brought a big burden to Namibian as they never seem to earn enough to cover their daily needs. Many people tend to deal with this problem through the moneylenders such as banks and cash loans who charge them very high interest rates. By so doing their indebtedness is increased even more and the situation becomes more serious to them.

However, this money problem can be reduced if they join together under the cooperative principles of self-help and mutual help.

A cooperative is a business owned by its members for their mutual social economic and cultural benefit. There are two types of cooperatives namely,
1.       consumer or service  cooperative – owned and managed by the people who use its services; and
2.       workers’ cooperative – owned and managed by people who work in the business.

Namibia created an enabling environment for cooperatives through the Co-operatives Act 1996. In this Act, it defines various types of service cooperatives. These include Marketing & Supply cooperatives, Consumer cooperatives, Housing cooperatives and Savings & Credit cooperatives. The Act further stipulates that a service cooperative must also enter into at least 51 per cent of its transactions with its members.

The Namibia Consumer Protection Group is proposing the establishment of the Namibian Savings and Credit  Cooperative. The S&C Cooperative will act as a financial institution, and have the specific objectives to encourage savings and provide loan services.

About Namibia Consumer Protection Group (NCPG)

NCPG is a non-profit Namibian organisation that campaigns for customer rights. It focuses on illegal and unethical behaviour by Namibian companies. It also promotes the voluntary acceptance of the Namibian Consumer Charter by businesses and government entities.

Objectives of the Namibian Savings & Credit Cooperative

The Namibian S&C Cooperative shall:
a)      promote the economic and social interest of its members by providing effective services to its members according to sound business principles;
b)      have non-discriminatory voluntary membership;
c)       be democratic and controlled by its members;
d)      entitle every member to have one vote – regardless of the number of shares owned;
e)      provide services be primarily to members;
f)       limit the dividends so most profits are kept for the functioning of the cooperative; and
g)      provide ongoing membership education.

Establishing a Cooperative

Members must be
  • ·         at least 18
  • ·         a citizen of Namibia, or ordinarily resident of Namibia


A primary savings and credit service cooperative shall be formed by at least a seven members. The cooperative shall be governed by its by-laws. These by-laws include information regarding the name, address, type of cooperative, objectives, nature of business and place of business and other information as stipulated by the Act.

In addition the by-laws will include information on the liability of its members – in the case of the proposed Savings and Credit Cooperative the liability shall be limited.

Upon establishment of a cooperative, a “Cooperative Formation Committee” (minimum seven members) shall be present at a meeting to elect a Chairperson, Secretary and Treasurer. The Formation Committee shall be responsible for convening meetings with prospective members, draft the by-laws, and submit the application for registration as a cooperative. Within one year, a Cooperative Founders meeting shall be convened where a register of members must be completed to be submitted with the application.

Objectives of the Namibian Savings and Credit Cooperative

The Namibia Consumer Protection Group is proposing the establishment of the Namibian Savings & Credit cooperative (S&C Cooperative). The primary purpose of the Cooperative is to reduce banks costs and use discounts, loyalty rewards or any other form of remuneration normally received by a banking institution for the lessening of members costs.


The S&C Cooperative will be managed as a financial institution, and have the specific objectives to:
1.       Encourage thrift among members. To encourage a saving habit, the cooperative currently offers two types of savings:-
a.       Shares: All members are required to pay monthly shares at rates agreed by the members.
b.      Deposits: Both current and fixed deposits are generally offered to cooperative members.
2.       Provide loan services to members. Members' shares and deposits comprise significant part the loan funds made available to members with interest charged usually at rates lower than that of the prevailing market rates. The general three types of loans provided by this cooperative type are:
a.       Emergency loans: In crisis or emergency cases, a member may borrow up to half of his/her monthly income, depending on the cooperative financial status, without collateral. Repayment is normally made in two instalments.
b.      Ordinary loans: The cooperative can provide an ordinary loan, again, depending on its financial status. This can be between 4 to 15 times, of member monthly income.
c.       Special loans: When the cooperative extends its services to housing and investment purposes, a member may borrow the actual amount required for constructing or purchasing houses, land and other permanent investments

Legislation and Regulation vis-à-vis Financial Services

The Namibian Savings & Credit Cooperative is not a bank in the traditional sense of the word and as stated in the Cooperatives Act, “no provision of the Banks Act shall apply in relation to a cooperative”. The Banking Institutions Act, 1998, further states “This Act shall not shall not apply to … any co-operative society registered under the Co-operative Societies Act, 1996”.

Practical Application

It is proposed that the Cooperative shall work with a sponsor bank (preferably NamPost) and manage the accounts of its members as a virtual banking wallet. A technical management contract will be negotiated with a software development team to use a account management system via a cellular device. The software will be based on the technical USSD or similar standard.

The money in a members virtual wallet may be used for purchases at participating retail outlets. In addition, certain outlets will partner the Cooperative to provide cash disbursement at their business.

Additional Services

The Cooperative will also provide a personal data management system for its members. This will allow members to securely store a data about themselves and set permissions for others (government, legislative processes, private sector – for example potential employers, individuals, etc.) to access the information in a controlled way.

Registration

The Ministry responsible for cooperatives is the Ministry of Agriculture, Water and Forestry. Registration is submitted to the Deputy Director of Co-operatives in the Directorate of Planning.

Rights and Responsibilities

In its essence, a cooperative belongs to its members. Effective and efficient management of the cooperative is ensured when members exercise their rights and responsibilities properly. The most important responsibility of the individual member is attendance at the annual general Meeting (AGM). The AGA gives him/her the opportunity to protect their membership rights, a fair sharing of benefits and monitor the management of the operations. It provides also a forum to determine general policies, elect committee members and assign tasks to further benefit all the members.

Within the framework of cooperative principles, laws and regulations and procedures, members must discuss problems together, share ideas and exercise the right to vote on committees and meeting resolutions.