- Examining the practices and procedures of client organizations and facilitating the discovery of all forms of malpractices and giving professional advice to organizations and institutions on ways and means of promoting accountability, transparency, reducing and preventing opportunities for bribery, corruption, money laundering, terrorism, Counter terrorism, counter terrorism financing, Sanctions, human trafficking, Tax evasion, insider trading, fraud and such financial criminal malpractices.
Zimbabwean Supreme Court LANDMARK ruling on GRATUITY. Recently, the Zimbabwean Supreme Court which ruled that the issue of GRATUITY is never covered by their law has created some negative ripple effect. This was a result of two employees having sued their former employers for allegedly having been UNDERPAID their well deserved Gratuity. The resultant effect has been disastrous. Employers have now taken advantage of such a ruling. All they are doing now and can do is to let employees work up to Friday afternoon or evening, when they are about to knock off, they are handed letters of separation/dismissal and told to pack their personal belongings and stay away from the offices. Staff are assured that they would be paid their leave days and 1,2,or 3 months termination notice. That”s it, NO gratuity etc. About 90,000 will be impacted and the matter is almost turning POLITICAL unless uncle Bob comes to the employees rescue.
This is not far fetched and it can happen anywhere else including Zambia. It can happen to anyone, anywhere. In fact it happens in Zambia. It happened within one of the Financial Institutions, the Insurers Companies, the Revenue Authorities, the Mines, the Parastatals, NGOs and the Private Sector.
Admitted I’m neither a Lawyer nor an HR practitioner. The issue of gratuity has been controversial in Zambia. I know Four big Financial Institutions which have been dragged to the courts of law for alleged “divide-and-rule”” type of administering the “Voluntary separation packages” and gratuity whereby some Unionised employees have been paid 3 to 4 months pay for each year served whilst Managers have been paid 2, or 2.5/3 months pay for each year served. Interesting enough, HR staff administer/and advise both Employees and Employers alike. Ex-staff are represented by Lawyers and Employers are represented by other crop of Lawyers as well. Initially both sides claim to have the right citations of the Law as the either side are paid. The case is dragged to Court before another Lawyer to interpret the same Law drafted by the Lawyers and passed in Parliament and assented to by the President who in case of (H.E. Levy Mwanawasa and Edgar Lungu) were equally Senior Lawyers and State Counsels.
What the NATION would expect from HR GURUS and Lawyers advising on HR matters is a clear interpretation of the Labour Law which talks of “Minimum 2 months pay for each year served”. I believe most of you have come across this INFAMOUS clause somewhere, somehow. When does it apply and to WHOM does it apply? Please guide. The expectation by lesser mortals from ALL HR GURUs and Labour Laws Learned people is create a forum to clearly debate, discuss, agree and share the position so that workers, employees and Managers alike including employers and Labour Officers are all and operate on the same page thereby moderately regulating reliance and great expectations from either side. My loud thoughts. Just to anticipate and avoid the “ZIMBABWEAN” Landmark ruling spilling-over across the mighty Zambezi River and Victoria falls into Zambia. Stay well and be blessed.
17/10/19 – Random Thoughts and Reflections
While the Zambian Social Media is awash with Engineering, Economics, Lechwes & 48 mysterious Houses issues some of which are viewed through the Political and tribal cousin Lenses, the Christian Country is busy finalising preparations for the National Day of Prayer, Fasting, Repentance and reconciliation, set for October 18, 2019.
The day of prayer will be held under the theme “Receiving Times of Refreshing from the presence of the Lord through Reconciliation with one another and the environment for a prosperous Zambia.”
Zambian Youth, Political Cadres and violent citizens please take heed. Whenever you find yourself on the side of the majority, it is time to pause and reflect. – Mark Twain
Don’t settle for just any violent activity when you can benefit from purposeful, focused accomplishment. Fill your time with the actions that will fill your life with value. You get paid K100, you drink Chibuku, become violent and the machete wielding cadres from the other camp hack your forehead. You have to spend time, hospital bills, transportation money, man hours in the hospital in addition to lost income and opportunities.
Let us all ask ourselves sincerely; What things are you planning to do in the next hour, over the rest of the day? Over the next week or the next month? When you look back later at how you spent your time today, will you be filled with gratitude or filled with regret?
In everyone’s life, at some time, our inner fire goes out. It is then burst into flame by an encounter with another human being. We should all be thankful for those people who rekindle the inner spirit. – Albert Schweitzer
Apparently it is rare that you can have such an encounter from a shebeen, tavern, bars or nightclubs! Chances are that you overspend, get searched lose money and end up with a terrible hangover which makes one not very effective or unproductive the following day!
Today could be your opportunity to improve all the rest of your days. If you squander these particular moments (especially the energetic youths) you’ll never get them back. After 50, you start experiencing body aches from nowhere! You are slowed down in life and get limited by what you can do or which files you can push!
The greatest influence and leverage you’ll ever have over your future, is now. Choose to use that influence in a positive, productive, intentional way.
During the day of National prayer, kindly do some self soul searching and self introspection. You can reconcile with yourself or with immediate family members. Even if you don’t go to the show grounds or Kitwe where High Ranking Political Leadership will be, you may consider taking the time to stop and appreciate who you are and what you’ve achieved and perhaps learned through a few mistakes, stumbles and losses – you actually can enhance everything about you.
Self-acknowledgment and appreciation are what give you the insights and awareness to move forward toward higher goals and accomplishments. – Jack Canfield
Sure, it’s tempting to waste a few minutes, or several hours, or the whole day with publicly declared holidays in our National Calendars with meaningless diversions and aimlessly walking and wondering about. But before you do that remind yourself of the much better alternative. You can choose instead to use your time wisely, to create value that could improve your whole future for your self or close family members. And that’s a choice you’ll never have to regret. Train sincerely and run with the aim to get the prize. You will surely one day reward yourself (HEMCS – mhsriep – used to say YOWA Selufu). Stay well and be blessed folks – KKK999
02/06/2020 – DEEP REFLECTIONS – The seemingly never-ending LAMENTATIONS OF THE AFRICAN SOULS
Ukumanama, Ukuchuula, Ukupenga, Ukuyoyota, Ukuyoyomba, Ukukatala, Mapenzi, Mateso.
The Arab Slave Trade – Prophet Muhammad died in or around 632. In 650, the holy book Qur’an (Koran), was codified. In 652, slavery as an organized venture in Africa began in Darfur, where the Sudanese leader at the time was compelled to make a payment of several hundred African slaves per year to the Arab invaders. African slaves were used for agriculture, labor, household help, or to be concubines or soldiers. The Arab Muslim slave trade also known as the trans-Saharan trade or Eastern slave trade is billed as the longest, having happened for more than 1300 years while taking millions of Africans away from their continent to work in foreign land in the most inhumane conditions.
Franco-Senegalese author and anthropologist Tidiane N’Diaye published his research and book titled “The Veiled Genocide”. He attributed the tag line to the most humiliating and near-death experience slaves were subjected to, from capture in slave markets to labour fields abroad and the harrowing journey in between. The number of slaves captured from Africa in the Trans Sahara trade are estimates at about nine (9) million. The Eastern slave trade in Africa was predominantly concentrated in the East and West African regions. In East Africa the coastal region was the preferred route and Tanzania’s archipelago of Zanzibar became a hub for this trade.
Enterprising Arab merchants and middlemen would gather in Zanzibar for raw materials including cloves and ivory. They would then buy black slaves who they would use to carry the raw materials and also work in their plantations abroad. Slaves from as far as Sudan, Ethiopia and Somalia would be availed at the Zanzibar market and shipped through the Indian Ocean to the Persian Gulf or Arabic Peninsula where they worked in Oman, Iran, Saudi Arabia and Iraq.
While European merchants were interested in strongly built young men as labourers in their farms, the Arab merchants were more focused on concubinage capturing women and girls who were turned into sex slaves while living in harems. Male slaves would work as field workers or guards at the harems. To ensure that they never reproduced in case they got intimate with their fellow female slaves, the men and boys were castrated and made eunuchs in a brutal operation where majority would lose their lives in the process. “The practice of castration on black male slaves in the most inhumane manner, altered an entire generation as these men could not reproduce. The Arab masters sired children with the black female slaves. This devastation by the men saw those who survived committing suicide. This development explains the modern black Arabs who are still trapped by history,” – Liberty Mukomo, a lecturer at the University of Nairobi Institute of Diplomacy and International Studies.
And even as Europe, one of the key players in the African slave trade abolished the practice hundreds of years ago and the United States officially ended it in 1865, Arab countries continued the trade with majority ending it late in the 20th century. In Malawi, slavery was officially criminalized in 2007 with mentions of some Arab countries currently being involved albeit clandestinely.
The Trans-Atlantic Slave Trade – While the Portuguese (from 1441) are usually cited as being the first to engage in the transatlantic slave trade, most major European maritime empires participated including Spain (from 1479); Great Britain (from 1562), North America (from 1619); Holland (from 1625); France (from 1642); Sweden (from 1647); and Denmark (from 1697). Sweden and Denmark, even you sure!
Over the years, global focus and discourse on slavery has concentrated on the Trans-Atlantic trade that featured the Americas and European merchants. Between 1441 to 1888 the transatlantic slave trade initiated a forced migration of approximately 12 million people from the Continent of Africa to European colonies in the Caribbean Islands, in Central and South America, and in North America.
These early trade patterns evolved into a larger system of trade often times referred to as the “triangular trade” referring to the three legs of the trade system.
The first leg was from Europe to Africa where goods were exchanged for slaves. The second or middle leg of the trade was the transportation of slaves to the Americas. The third leg of the trade was the transportation of goods from the Americas back to Europe. The most representative of the systematic and brutal exchange of human being was the “Middle Passage”, the second leg of the triangular trade in which thousands of Africans were forced into the hulls and storage of ships for the nightmarish voyage to the “New World.” Many are aware that the slaves were kept under inhuman conditions including being branded with hot irons and restrained with chains or shackles. Very Sad. Who does that to a fellow human being?
The area had little or no ventilation (CAN’T Breathe type of suffocation) and negligible resources for the removal of human waste. According to the slave Equiano, “The closeness of the place, and the heat of the climate, added to the number in the ship, which was so crowded that each had scarcely room to turn himself, almost suffocated us. This produced copious perspirations, so that the air soon became unfit for respiration, from a variety of loathsome smells, and brought on a sickness among the slaves, of which many died. “(quoted in Africans in America, Part 1). Others were thrown overboard in the Ocean either dead or alive.
Nowhere in the annals of history has a people experienced such a long and traumatic ordeal as Africans during the Atlantic Slave Trade. Over the nearly four centuries of the slave trade, which continued until the end of the Civil War in America, millions of African men, women, and children were savagely torn from their homeland, herded onto ships, and dispersed all over the so-called New World. It is guesstimated that between thirty and sixty million Africans were subjected to this horrendous triangular trade system and only one third of those people survived.
In 1862, Abraham Lincoln issued a preliminary emancipation proclamation, and on January 1, 1863, he made it official that “slaves within any State, or designated part of a State…in rebellion,…shall be then, thenceforward, and forever free.” Though the Emancipation Proclamation didn’t officially end all slavery in America, that happened with the passage of the 13th Amendment after the Civil War’s end in 1865. Some 186,000 black soldiers joined the Union Army, and about 38,000 lost their lives. Black Africans have been sacrificing their lives for long.
Scramble for Africa – End Slavery and intensify colonialism by scrambling for Africa. The Berlin Conference occurred primarily due to Germany’s entry into the colonial sphere. Previously, Britain, France, Belgium, Spain and Portugal had largely occupied the African continent without conflict amongst themselves. European Countries were already in Africa exploiting Natural and Human resources including Slave Trade. Germany’s rise to power made the other European leaders nervous and eager to establish ground rules. So, in 1884, the Berlin Conference was convened to discuss African colonization, with the aim of setting up international guidelines for making claims to African land to avoid conflict between European powers. The Berlin Conference was a series of meetings held in 1884 and 1885 with the goal of dividing the continent of Africa between the European powers. As countries scrambled to establish colonies on the continent, the heads of state wanted to head off any potential conflicts between them over the African territory which was not theirs.
Among the rules created by the Berlin Conference were the establishment of a free trade zone in the Congo, the requirement that a country had to occupy and administer its colonies instead of simply claiming land in absentia and the requirement that a country must notify the other signatories before establishing a coastal colony in Africa. The conference gave no consideration to the self-determination of the African people, but it did include a token amendment to ban slavery in Africa in an attempt to legitimize the conference and gain public support.
As a direct result of the Berlin Conference, the colonization of Africa increased in speed and scope. By 1902, approximately 90 percent of the continent was under direct European control. Scramble for Africa. Another sad episode for the African Race. Missionaries had also arrived in Africa and said nothing or little against Colonialism or against Slavery earlier on in their own Countries.
Colonialism in Africa – The policy of a country seeking to extend or retain its authority over other people or territories, generally with the aim of economic dominance. In the process of colonization, colonizers may impose their religion, economics, and other cultural practices on indigenous peoples which Europeans did. The policy or practice of acquiring full or partial political control over another country, occupying it with settlers, and exploiting it economically. Equally a very bad practice of domination, which involves the subjugation of one people to another, installing a settlement of its people on foreign land, establishes political control over the other land for economic benefits of the more powerful country. In practice, a country conquers and rules over other regions, exploiting the resources of the conquered country for the benefit of the conqueror, establishing territorial dominion over a colony by an outside political power.
Apartheid – As if that is not enough for the Africans, apartheid creeps in. Boers. Racial segregation had long existed in white minority-governed South Africa, but the practice was extended under the government led by the National Party (1948–1994), and the party named its racial segregation policies apartheid in Afrikaans: “Apartness”. Yet another dark era. Nelson Mandela and de Klerk led efforts to negotiate an end to apartheid, which resulted in the 1994 multiracial general election in which Mandela led the ANC to victory and became president after his 27 solid years of Incarceration. Robben Island. Tesana.
Neocolonialism – The control of less-developed countries by developed countries through indirect means. widely used to refer to a form of global power in which transnational corporations and global and multilateral institutions combine to perpetuate colonial forms of exploitation of developing countries. Neocolonialism has been broadly understood as that which enables capitalist powers (both nations and corporations) to dominate subject nations through the operations of international capitalism rather than by means of direct rule. The use of economic, political, cultural, or other pressures to control or influence other countries, especially former dependencies. That practice of using capitalism, globalization, cultural imperialism, and conditional aid to influence a developing country instead of the previous colonial methods of direct military control or indirect political control.
What next for Africa? – Imperialism – The policy or action by which one country forcefully gains and keeps control of another country or territory. Most often, countries use military means to gain economic and political control in other countries. There is a scramble for Military Bases by the “Big Boys” on the African Continent. And they are now dotted everywhere in Africa.
Africa Freedom Day – “is coming tomorrow” from a Song in SARFINA – South African Movie featuring Caryn Elaine Johnson, known professionally as Whoopi Goldberg. 1960 was proclaimed “The Year of Africa”. On May 25, 1963, 31 African leaders convened a summit meeting to found the Organization of African Unity (OAU). They renamed Africa Freedom Day as “African Liberation Day” and changed its date to May 25. Thirty-eight (38) years after its formation, the OAU evolved into the African Union (AU) on May 25, 2001. Africa Day continues to be celebrated both in Africa and around the world. With the recent unfolding events, Africans have been crying for a long time. THE GRAND CREATOR WILL ONE DAY GRACIOUSLY HEAR the cries and lamentations of his own Children – the Black Africans and many of African descendants – IT IS A MATTER OF WHEN, NOT IF. Stay Safe. Stay well and be Blessed. KEKK – 03/06/2020
01/06/2020 – Just reflecting – Wherever and whenever I meet HATIANS – People from HAITI, I’m always reminded of people from Congo DR and Congo Brazzaville. The character, the conduct, personality, mannerisms, behaviour, outlook and even the way they talk, interact with one another, eat, dance and dress. Abantu aba balipalana. The way we see people from Somalia, Djibouti and Eritria, bamonekafye chimochine.
Congolese and Fashion. I have attached some pictures here. We know some Zambians who dress like these in very bright Colours. There is a YouTube Documentary and short videos titled “The Congolese Dandies”. La Sape, an abbreviation based on the short phrase Société des Ambianceurs et des Personnes Élégantes. In French language literally means a “Society of Ambiance-Makers and Elegant People”. Ambiance and Elegance indeed. This is also hinting to the French slang word sape which means “clothes” or sapé, which means “dressed up”, Pa Zambia ati Ukupopoka – “Dressed to Kill”. This addictive hobby or passion is a subculture centered on the cities of Kinshasa and Brazzaville in the Democratic Republic of the Congo and Republic of Congo respectively. The two closest neigbouring Capital Cities are just divided by the Mighty Congo River. An adherent of La Sape is known as a sapeur or, if female, as a sapeuse. Some African First Ladies from the 1990s up to date could qualify to be called Sapeuse. Bright colours of clothes matching with shoes and Head Gear Lol/Hair dressing/Ifisote Ifikulu with matching bright colours.
Sapology Extravaganza – La Sape is a unique movement based in Congo that unites fashion-conscious men who are ready to splurge money they don’t really have on designer clothes. Dressing in stark contrast with their surroundings, these elegant ambiance-makers become true local celebrities. The fame comes at a price. The movement embodies the elegance in style and manners of colonial predecessor dandies. In the YouTube Documentary titled “The Congo Dandies” which I watched during COVID-19 self isolation recently, one fellow blew $8,000 lottery money on those flamboyant shoes and clothes. Another managed to steal from the Father’s shop and bankrupted the business thereby sending his younger brother to work grudgingly on an incomplete small garden farm plot!
Them La Sape are a crazy bunch of human beings. It is like a movement and a hobby by a group of possessed men and women – frenzied and willing to spend 95% of any income/ money they stumble upon on bright colour clothes whilst living in rented ram-shackles and wallowing in poverty. One chap blew the $8,000 of lottery money buying Weston shoes and another one bankrupted his father’s business just to become a dandy. One has opened up a Training School teaching the younger generation the trade of how to be a Congolese Dandy. Bulwele. Sick in the head for the sake of Fashion from Paris. Zambians, stay in your lane. Know the origins of things you want to blindly emulate! Congolese temunobe! If you can, watch this. https://youtu.be/W27PnUuXR_A
The Buzz Word for this week is “LAZARD”. Not Lizard, but Lazard. A Financial Services company founded by Alexandre Lazard, Lazare Lazard and Simon Lazard. Headquarters incorporated in Bermuda (for obvious TAX reasons) and operational offices in New York City, New York, United States and other Offices in other Countries like France. Kenneth M. Jacobs (Chairman and CEO) for now. Lazard is focused on two businesses: Financial Advisory and Asset Management. In Financial Advisory, they advise clients around the world on strategic and financial matters including mergers and acquisitions, restructurings, shareholder advisory, capital structure and capital raising. In Asset Management, they manage investment portfolios in key regions of the world and distribute them locally, regionally and globally. Their clients include corporations, governments (now GRZ included) , endowments and foundations, financial institutions and high net worth individuals.GRZ through MoF is willing to folk out $5 million US Dollars cool cash for their services. What is Lazard going to tell or advise Zambians to do which our highly knowledgeable, Educated, skilled and experienced technocrats with PhDs at Ministry of Finance, BOZ, ZRA, CBU, UNZA, other Universities, PMRP, NGOs, Financial Consultants in the Private Sector don’t know about? Suppose 10 brilliant Zambian Minds from the pool of Senior Economists, CIMA and Chartered Accountants who are also fellows and experts like Ex-Bankers poach MoF and BOZ staff, from diaspora, UNZA, CBU staff to be on unpaid leave and form up a consortium of Consultancy Gurus and ask GRZ to award this $5miilion Dollars to them (give them $4million only, $1million for being patriotic and donated to poor Zambians through social cash transfer and COVID-19 Operations etc). The Zambian BIG brains should be tasked to carry out this Financial Advisory consultancy assignment in 36 months instead of giving it away to Lazard who by the way will come down to Zambia to ask the same Zambians at BOZ, MoF staff and other key stake holder what the HECK went haywire. Most likely, LAZARD will not even have Professors on that team and will be asking the same Zambians questions like that “now that you have messed up big time, how do you propose to RESTRUCTURE these Loans and what steps do you think you need to take up in order to amicably resolve the mess with the lenders? Zambians will be giving answers whilst LAZARD boys will be simply asking the Zambians to type their intended proposals. Will the Zambian advise be of less valuable, less quality or they wont advise properly on how best to structure our own debt? Just thinking aloud! Njafweniko. A Consultant is like a SHIBUKOMBE or ALANGIZI, any stranger you officially invite to come ask you to offload and tabulate all the problems you have and are aware of and asks you in a diplomatic way to propose how you intend to resolve them. He puts it on his HEADED PAPER and signs them and CHARGES $5million for such un quantifiable services. TESHETI. Ninkanda Yafita?
05/28/2020 – Deep Reflections – Zambia OYEE! Enter the LAZARD. Not Lizard but LAZARD. Reminds me of the RP Capital when RB’s MMD and Felix Mutati was Commerce Minister then belittling Zambians that we DID not understand/know the ZAMTEL Asset Valuation & sale to Lapgreen. History Bane @#Utuntu. Back to IMF & WB engagement with Zambia.
Hon. Felix Mutati tried IMF/WB negotiations and Loan procurement. Anakangiwa, Margaret Dudu Mwanakatwe also tried. Anakangiwa. For no personal and professional fault of theirs. Ba Chikwanda ninshi balikongola kale. Now Dr. Bwalya Ngandu will unfortunately be thrown under the bus as well. Zambia goes for tripartite elections camapaign mode shortly after COVID-19. Political Parties and GRZ machinery will resume crisscrossing the Countryside in never-ending campaign trails. Senior Political figures will once again be accompanied by their respective spouses, A-Teams, sponsors and sympathisers. Bandalyamo bonse and not forgetting the Zambian musicians and dancing Kings and Queens masquarading as morale boosters (They are paid handsomely by All Political Parties. So we are told). All Political Parties will be required to secretly source and will be spending money whose source, we shall never know. Austerity measures may no longer work as Embassies and Foreign Missions, Ministries, Departments, Agencies and Commissions will have to be adequately funded and salary increases for civil servants and other workers will have to be revised upwards in order to woo and lure some support for critical mass votes in 2021 elections. The silent power and advantage of incumbency. Don’t argue, all Political Parties want access to Plot 1 and attendant fringe benefits of the Office through the Ballot papers. Pensioners will be paid. Money will have to be found somehow and from somewhere. Money for campaign managers, Political cadres, campaign materials (T-shirts, Caps and fitenge, posters, Media adverts, Public Address Systems etc) and transportation (bikes, vehicles, choppers and planes will be made available and no questions asked), perdiem, allowances, meals and beers will be freely flowing. Just in case we missed the MoF Timelines, the LAZARD assignment has been scheduled to be delivered in 36 months mwebantu. 36 months is equal to 3 years. It means before IMF/WB agree to lend us money or continue to refuse like they have done for the past 3 years or so, that will be in or around or after June 2023. Lessons to be learnt from such assignments are that the consultants Lazard, just like what happened in Mozambique, by 2023 may have discovered more hidden and un accounted for Loans which will be reported to IMF and WB and the latter will inevitably accuse expose the GRZ Officials for lack of transparency, honesty and accountability etc. In the usual like fashion/manner, they will wiki-leak the documents and full extent of the loans and debts some of which would have been utilized during the 2021 elections. Other Politicians would have been pruned during the 2021 elections through the Ballot. This could explain the more reason why Professionals at BOZ and MOF are not being believed when they “officially disclose the total foreign and domestic debts & loans” published on MOF Official website. Bale Dauta ba ngwele ati tulebakelenkafye. That is why they demanded for “independent financial advisors”. MoF had to settle for LAZARD rather than assign professional Zambian Chartered Accountants, CIMA Fellows, Auditors, Senior Economists to advise MOF & BOZ as they engage IMF/WB negotiations. Yaba! Bwafya. Just in case others have illusions of quick access to IMF/WB funds,,,,be assured that the IMF and WB take their time to carry out their own Country Due Diligence (CDD) even from other unofficial sources and they do take their own time to release their funds and mainly in installments. So if Zambia is looking for $1billion from IMF/WB, we may have to wait until 2023 for approval, another 2 years of installments in disbursements up to 2025. Another Election Fever period. The cycle continues. And then when the Chinese see our desperation, they will dangle the carrot before 2021 Elections…when we desperately need money to spend on the Campaign trails as I earlier alluded to above. Chinese will come in very quickly to avail $1billion in 2021. Other so called key stakeholders including Western World media and Institutions and many others like Opposition Parties will continue crying foul of predatory lending and under hand methods. Kushalafyafye muli mwamoneni mwamoneni. IMF/WB conditionalities are just as harsh, strict and stringent as International Commercial Banks lending money to Zambian citizens. And you wonder why Zambian citizens rush kuli KALOBA leaving out the so called Community Banking, Local Banks and International Banks mu Zambia tee? Ifyakukosha kosha, ne fya kwipusha ipusha sana. Imagine at personal level being asked for among many others the following documents as evidence: Collateral, Security, COT, Vehicle license, NRC, Drivers Licence, Marriage Certificate, Details of a Guarantor (name, address, occupation, telephone number at work and mobile phone for guarantor and YOWA SELUFU), Alimony, Child support, other source of funds/income, business and private jobs, own house or rented house, spouse qualification, highest education level attended, Parents details and Village, District, Chief where you were born, Number of Children and dependents, How much you spend for groceries, ration, leisure, clothes, transport, holidays, ZESCO Bills, Water, DSTV, Cable, Internet, Mobile, Insurance, Cashflow, Projections, Management and Leadership, skills, experience, Bank Statements, Audited Accounts by Professional Big 4 Auditors, Annual Reports and Tax Reports for the previous 3 years in a roll.You end up giving up the application process The little money in your pockets will end up finishing paying for photocopying and commissioner of oaths certification process even before they tell you your application was submitted through the right channels for considerations. The Turn around time is not guaranteed as Bank Risk Managers valuating and analysing your Loan applications are busy lining up kuli Kaloba themselves. Pa last ordinary Zambians or lesser mortals kubutukila Kuli Kaloba. Kuli Kaloba takwaba ifyo. It may explain why the K10billion COVID-19 stimulus package can not easily be accessed until cadres find a loophole to share. Stay well and be blessed.
05/17/2020 – Deep Reflections on Sunday Morning.
There appears to be some new wave and breeze of yet another “dispensation” sweeping across the entire Continent of Africa. It may not happen just yet, soon or now, but the momentum has been fermenting, brewing and many can smell the Coffee before long. I now share some among many critical VOICES on the Continent of Africa and for the Continent of Africa which we may need to pay particular attention to in 2020 and beyond. The Call for the Africans to Unite, the call for the Pan-African renaissance, Unity in numbers and diversity has been very strong. I will mention a few with shot bios. We can ADD some more on to this list and give reasons why we should pay particular attention to their uplifting message of encouragement and hope. In no particular order;
Julius Sello Malema – a South African politician who is a Member of Parliament and the leader of the Economic Freedom Fighters (EFF), a South African political party, which he founded in 2013. He previously served as President of the African National Congress Youth League from 2008 to 2012. His incessant call for the Africans to Unite is no longer a lonely voice.
Professor Patrick Loch Otieno Lumumba (PLO) – Advocate of the High Courts of Kenya & Tanzania. Law Lecturer at the Faculty of Law, University of Nairobi & the Director of The Kenya School of Laws since the year 2014. Former Director of the Anti-Corruption Bureau/Commission in Kenya and founder of PLO Lumumba Foundation. His voice on African history, passion for Pan-African Movement and Leadership is worth paying attention to.
Bishop Joshua Maponga, a Seventh Day Adventist (SDA) preacher and motivational speaker. Joshua Maponga III – graduated with a degree in Philosophy (BA theology) & Personal Ministries. Specialization include banking, non-profit organizations, project management, and branding. Has ministered in South Africa, Kenya, Zimbabwe, Nigeria, Botswana, and Lesotho. Joshua worked for Absa World Vision, SALGA, SAPS, SAPO, PRASA, and Milpark College. Philosopher, leader, musician, and social entrepreneur working with Vision Design House, Global Management Centre (UK), and EDSA (Entrepreneurial Development Southern Africa). His views on Ubuntu and African way of living, values and traditions including religion is interesting.
Gen. Paul Kagame (PK) – Current President of Rwanda. Assumed power as the sixth president in 2000, when the then President, Pasteur Bizimungu resigned. Before taking office, Paul Kagame had served as the Minister of Defense and later as the Vice President. His style of leadership as a strong man (discipline) is transforming Kigali and Rwanda.
Dr. John Pombe Magufuli – Current President of Tanzania. Chairman of SADC. He served as MP & Deputy Minister of Works, Minister of Works, Minister of Lands and Human Settlement, Minister of Livestock and Fisheries and as Minister of Works for a second time from 2010 to 2015. A former school teacher, industrial chemist. Dr – PHD holder “bull-dozing” and transforming Tanzania in his own unique way.
Dr. Amb. Arikana Chihombori-Quao – Her Excellence, Dr. Nkosazana Dlamini Zuma, asked Dr. Arikana Chihombori-Quao to become the African Union Ambassador to the U.S. Now President, Africa Diaspora Development Institute (ADDI), Dr. Arikana Chihombori-Quao, Ghanaian National, Zimbabwean by heritage, resident in US, but Pan African by thought and action. Medical doctor and activist, public speaker, educator, diplomat, founder of medical clinics, and an entrepreneur, CEO & founder of Bell Family Medical Centers in the US. in 2017. Her voice on the Francophone Africa is worth listening to.
Professor Arthur G.O. Mutambara – Former Deputy Prime Minister (DPM) of the Republic of Zimbabwe – An independent technology & strategy consultant. A Robotics & Mechatronics Professor. His concentration in the areas of Artificial Intelligence (AI), Intelligent Algorithms (IA), Augmented Reality (AR), Big Data, Internet of Things (IoT), Internet of Everything (IoE); and their impact in Mining, Manufacturing, E-Commerce, Media, and Medicine. A Chartered Engineer, a Fellow of the Institute of Engineering and Technology (IET), a Professional Engineer, a Fellow of the Zimbabwe Institute of Engineers (ZIE), a Fellow of the Zimbabwe Academy of Sciences (ZAS), and a Senior Member of the Institute of Electrical and Electronic Engineering (IEEE). Ex-Director of Electronic Payments at Standard Bank in South Africa. In USA he was a Research Scientist at the National Aeronautics and Space Administration (NASA), Visiting Professor at the Massachusetts Institute of Technology (MIT), Professor at the Florida Agricultural and Mechanical University – Florida State University (FAMU-FSU) College of Engineering, and a Management Consultant with McKinsey & Company. He has written two electrical engineering books that are widely used in engineering graduate schools in the US, Europe, China, Japan and Africa: Decentralized Estimation and Control for Multisensor Systems, and Design and Analysis of Control Systems. Prof Mutambara holds a PhD in Robotics and Mechatronics and an MSc in Computer Engineering, both from the University of Oxford, where he was a Rhodes Scholar. He graduated with a BSc (Honours) in Electrical Engineering from the University of Zimbabwe. In 2007, Mutambara was accorded the World Economic Forum (WEF) Young Global Leader status, and subsequently attended WEF events, from 2007 to 2013, in Davos (Switzerland), China, India and Africa. His voice on the Fourth Industrial Revolution in Africa is imperative.
Let us ADD more names please.