MAY 2013

Consumer News
ISSN 2026-710X

your voice

• Nam-Mic, making a mark in the financial sector

Training and Education, key to knowledge and Power



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The Team
Consumer News

Printed by
Printech cc

General Manager/Editor
Willem Gariseb 081 249 8161 081 551 9337

Editor’s Note
Willem Gariseb
he Consumer News continues its mandate to be a public sphere through which we connect consumers to the manufactures and policy makers and thus discuss issues which benefits not only the consumers, but also informs the policy makers and retailers to align themselves to the needs of the consumers. As noted by Simon Mainwaring, “Consumers now have a voice. And the fact that consumers can be creators, producers and distributors means they can push back against brands to punish them for their socially irresponsible behavior or reward them for their responsible behavior. In this month’s edition, The Founding Father of Namibia, His Excellency Dr Sam Nujoma speaks to the youth who are the future leaders, and advises them to refrain from alcohol and drug abuse and focus on training and education as the weapons they must use to win the fight against economic independence, which is Namibia’s second struggle. We have also updated our readers on the improvements and changes taking place within the financial sector in Namibia, by interviewing the Chief Executive Officer for NFSH, Mr Walter Don and learn how the company is playing a crucial role in the transformation of Namibia’s financial sector by addressing the challenges brought by the critical shortage of skilled management and staff in the insurance, banking and consultancy sectors in Namibia in an innovative way. We have boned all these exciting stories with our regular columns to maintain our flavor. May you enjoy reading the pages of the book, until next time…..
If there is a book you really want to read but it hasn’t been written yet, then you must write it. ”
Toni Morrison (US novelist)

Editorial Photos

Freelance Journalists Freelance Photographers


• Training and Education, key to knowledge and Power - P4-5 • Nam-Mic, making a mark in the financial sector - P8-9 • Connecting the Founding Father to the young generation - P9 • Understanding Cassinga Day - P10 • Workers Day - P12 • NLFS report reveals an increase in the Economically Active Group - P13 • Support Local Products….. - P14 • It’s Ok …………. - P14 • SMEs Dos and Don’ts - P15 • 10 best steps towards a successful personal budget - P15 • Insurance of furniture you buy - P16 • Investors show interest in Namibia - P17 • My Point of View - P18 • What is product liability? - P19 • Bank Windhoek makes buying a new vehicle affordable - P20 • Consumer Protection Act needed in Namibia - P21

Our mission is to create a platform for you the Namibian consumer, who strives to see improvement in the value of goods and services and are savvy enough to spot misleading advertising and poor quality products and services. You deserve more, and together we have power in numbers, so we welcome your contributions, feedback, acknowledgements and your voice on products and services that need our investigation.

You deserve more ...

Contact details
Namibia Consumer Protection Group: Milton Louw. E-mail: Namibia Customer Service Institute: Jon Allen. Website: Namibian Consumer Lobby: Bob Ziekenoppasser. Te: 064 - 46 1461 or 081 284 8000 Namibian Standards Institution: Tel: 061 38 6400 / Queries: Website:

For all your advertising needs contact: Willem Gariseb at: Cell: +264 (0) 81 249 8161/+264 (0) 85 551 9337 Fax2mail: +264 (0) 886 44443 Email:

Training and Education, key to knowledge and Power
he Founding Father of the Republic of Namibia, His Excellency Dr Sam Nujoma has outlined Education and Training as key to knowledge and power, which will channel the nation towards the accomplishment of the Vision 2030 goals and objectives. Dr Sam Nujoma is the visionary behind the Vision 2030 document which he outlined as ‘a vision that will guide us to make deliberate efforts to improve the quality of life of our people to the level of their counterparts in developed world by the year 2030.’ In an interview with the Consumer News Magazine, the Founding Father said that the Government must channel its resources towards education and


training in order to eradicate poverty, disease and ignorance from the face of Namibia and that of the African continent so that the youth of Africa will be able to compete with the rest of the world. Dr Nujoma said, “The most important thing for us in Namibia is to adopt a policy of self-reliance by means of production which adds value to our products. We have gold and copper which we must process here to cable wire.” This is in line with one of the Vision 2030 objectives which seeks ‘to develop a diversified, competent and highly productive human resources and institutions, fully utilizing human potential and achieving efficient and effective delivery of customer-focused services which are

Willem Gariseb shake hands with Dr Sam Nujoma.

Consumer News Magazine’s Highlighters for the month
• • • • • • • •

Drought in Namibia is getting worse Land a big issue in Namibia many Namibians still landless House price sky rocket, average Namibia cannot afford a house Bank Windhoek is trying to make vehicle affordable UN mayor conference to be held in Namibia 2013 Crime rate is increasing in Namibia Unemployment rate is also high Otavi and Expo were a huge success.

The Founding Father of the Republic of Namibia, His Excellency Dr Sam Nujoma.


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Government must channel its resources towards education and training
competitive not only nationally, but also regionally and internationally.’ He noted that Namibia used to be the producer of 95% of gem diamond of which the 5 percent came from the then Soviet Union and advised the nation to make sure that all the resources available in the country are processed locally and exported as finished goods to other countries. “This is what we mean by self- reliance and economic independence; we must not to rely on import of goods from foreign countries. “That means we have to inject more money on education and training of our youths especially in the field of Geology, Mining Engineering, Quantity Survey,

Marine Biology, Geology. This will help us to know what we have in the country, and then we can produce the goods from the resources we have and export them to other countries as finished products,” he says. Dr Nujoma expressed his joy in the construction of new infrastructure that shows the development taking place in the country especially in the education sector. The Founding Father said, “The infrastructure that we have created is very important. When we got our independence on 21 March 1990, there were no Universities in the country and now we have the University of Namibia, the Polytechnic of Namibia which is now the University of Science and Technology, and the School of Medicine in which we are training our own doctors and we must be proud of that.” In terms of youth empowerment in the involvement towards the development of the country, the Founding Father said, “We must make sure that all our youth attend school and must fully support the Minister of Education’s idea to establish Vocational Training. If a youth drops out of school, he/she can go for vocational training to be able to construct houses or process leather products because we get the leather from cattle and people can be trained to make shoes.

“We do not need to import shoes but we have to process everything here and export them in ready form, which will bring forth foreign currency to strengthen our economy.” He also advised the nation to be proud of local products and support SMEs as this will enable the nation to win the war for economic independence. “We must be proud of our country and products. We fought and liberated our country and now we must fight for economic independence. The war for economic independence means education and training of all our youths. Let us go back to education and training and also manufacturing of all the goods we produce here like minerals for example,” he said. Dr Nujoma also challenged the youth of Namibia to take their education serious and continue with their education until they acquire a certificate or some other qualification. “I can give an example of when I retired from Office; I went to UNAM and studied Geology. I know now we have a very rich iron ore, which is the base of economic independence. With iron ore we can produce our own local products. So we have everything in this country.” Dr Nujoma concluded by advising the youth of Namibia to refrain from alcohol and drug abuse and concentrate on education and training.

General Manager of Consumer News Willem Gariseb and freelance journalist Michael Tambi, interviewing the Founding Father of the Republic of Namibia, His Excellency Dr Sam Nujoma.

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Nam-Mic Financial Services Holding (Pty)Ltd, making a mark in the financial sector


am-Mic Financial Services Holdings is playing a crucial role in the transformation of Namibia’s financial sector by addressing the challenges brought by the critical shortage of skilled management and staff in the insurance, banking and consultancy sectors in Namibia in an innovative way. Coming with a vision ‘to be the leading Namibian broad-based economic empowerment, by creating opportunities for building and distributing wealth for all its stakeholders,’ Nam-mic Financial Services Holdings, NFSH operates through its subsidiary, Nam-Mic Financial Solution (Pty) Ltd which offers micro-finance to union members in partnership with Bank Windhoek Limited. Nam-Mic opened its doors in 2002,

Chief Executive Officer for NFSH, Mr Walter Don when the Namibian Mineworkers’ Investment Holding Company (Nam-Mic Holdings) decided to establish the first Namibian financial services company controlled and owned by previously disadvantaged Namibians. As a result Nam-Mic Financial Services Holdings Group (Pty) Ltd (NFSH) was created on 11 October 2001 and was officially launched by His Excellency, Dr Sam Nujoma. According to the Chief Executive Officer for NFSH, Mr Walter Don, the company is there to empower workers to make an independent assessment of financial services and products that will better serve their interests. He said, “We are a mass based organization created to benefit the workers that have been grouped under a unique Labour movement that has a history of resistance against workplace exploitation and financial exclusion. “Our aim is to continue responding to market opportunities by creating new niches that can be served through variable cost business plans. We strive to make real-time production in response to customized demand the norm. The company will continue to invest in targeted and BEE transactions/ projects that support economic development in underdeveloped areas where most of its clients hail from. Don added that, “Through Nam-Mic Financial Solutions (Pty) Ltd, NFSH is attempting to innovatively address the critical shortage of suitably skilled management and staff in the insurance, banking and consultancy sectors in Namibia. The company’s micro-finance business unit also provides payroll deduction services to private sector companies, state owned enterprises and government to provide financial services to members of the unions affiliated to NUNW. “We believe it has the ability and technical support to play an essential role in the transformation of financial services in the country,’ says Don. According to Don, “ NFSH is a truly broad-based black economic empowerment company with more than two-thirds of its shares owned by NUNW affiliated unions with the Mineworkers’ Union having 33.9 percent, the Namibia Public Workers Union 19.6 percent and the Namibia Food and Allied Workers’ Union 6.5 percent hold their investments in NSFH through their respective investment holding companies. “The National Teachers Union of Namibia holds five percent of the shares, whereas the Namibia Transport and Allied Workers Union have 2.5 percent shares and Namibia Farm Workers’ Union 0.4 percent respectively.” Commenting on some of the major challenges which the company has faced over the past few years, the Chairman of NFSH, Mr John Shaetonhodi said establishing the


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Walter Don

Our aim is to continue responding to market opportunities by creating new niches that can be served through variable cost business plans. We strive to make real-time production in response to customized demand the norm.

Connecting the Founding Father to the young generation
he Swapo Youth League hosted the 12 May Movement at Onawa ya Kiliana village in Okatana constituency, in the Oshana region which coincided with the celebration of the Founding Father’s 84th birthday. The 12 May Movement is a day intended at celebrating the lifetime achievements of the Founding Father of Namibia and is a movement to promote the ideals and aspirations of the PanAfrican philosophy, which the Founding President, Sam Nujoma, has made part of his career. The movement, launched last year by Swapo Vice-President, Dr Hage Geingob, on behalf of President Hifikepunye Pohamba, was founded to honour Nujoma’s birthday, which is celebrated on May 12. This year the Founding Father

company itself was a huge challenge. “First we had to find a credible and reputable partner in the financial sector to work with in order to set up essential structures, to be able to provide services we wanted for the client base we were representing. By entering the business of financial services, we were aiming at extending our footprint beyond the traditional credit products and savings deposit facilities that different types of finance institutions provide at varying degrees,” said Shaetonhodi. He also noted that the NFSH Group support the Namibian Financial Sector Strategy to ensure necessary reforms are implemented so as to extend benefits derived from the sector to the previously disadvantaged Namibians. Don added that, “The NFSH Group’s audited net asset value grew through the N $250 million threshold and our profits after tax exceeded N$69 million for the financial year ended 30 June 2012. “NFSH has consistently increased dividend payouts from a mere N$1.8 million in 2007 to N$12 million in 2012. This showcases our continued commitment to give back to our shareholders. Through our strategic partnerships with NUNW affiliated unions, NFSH has paid out more than N$3 million in commission fees to unions, a sign of continued growth,” he concluded.


turned 84. The Swapo Party Pioneer Movement respesentative for Oshana Region, Indileni Iipinge was recently quoted in the local media saying that 12 May Movement is linked to the promotion of Nujoma’s philosophy, values of patriotism and leadesrship quality within the youth of SWAPO Party and Namibia. Okatana as this year’s event for the celebration of the event was selected as a venue due to the fact that this was the same site where His Excellency, Dr Sam Nujoma addressed the first SWAPO rally held in 1989 upon his return from exile, prior to Namibia’s Independence. Last year, during the launch of the 12 May Movement Day and the celebration of his 83rd birthday at the Vineta Sports Stadium in Swakopmund, Dr Sam

Nujoma said the 12 May Movement Day should also be dedicated to remember Namibia’s forefathers such as Captain Hendrik Witbooi, Jacob Marenga, Chief Samuel Maharero, Chief Kahimemua Nguvauva, and Chief Mandume Ya Ndemufayo, whose heroism inspired them to continue with the struggle until the final victory was achieved. He also called upon the youth, particularly the SPYL, to make use of available opportunities and engage in genuine business ventures to contribute to economic development through manufacturing and value addition of natural resources and reject tribalism and the social evils of alcohol and drug abuse, and violence against women and children, and urged them to remain focused on pursuits that are aimed at building a better future.

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In the early morning of 4 May the SADF air strike dropped over 1 200 anti-personnel bombs

The official death toll according to the Angolan Government was 624 of whom 159 were men (of which only 12 were soldiers), 167 women and 298 teenagers. A further 611 Namibian refugees were wounded in the attack. All the dead were buried together in two mass graves.

Understanding Cassinga Day
n 1978 Namibia, (then known as South West Africa), was very close to a possible implementation of the Independence process. The five Western countries in the UN Security Council were negotiating with the apartheid South African regime and the liberation movements represented by SWAPO. Their proposals were submitted to the Security Council (S/12363) and they included: • elections for a Constituent Assembly, supervised by the UN in conjunction with the SA-appointed Administrator-General, by 31.12.1978; • a cease-fire; • a reduction of SA troops and their confinement to base in Grootfontein or Oshivelo or both; • the restriction of SWAPO soldiers to a specified number of locations in southern Angola; • the disbanding of local commandos and tribal forces in Namibia, with all of these to come under UN supervision; • amnesty for political detainees on both sides; and • granting Namibians in exile the right to return. The Western Contact Group determines 31 December 1978 as the final date for Namibia’s independence, and UN-


supervised elections for a Constituent Assembly are to take place in June 1978. In the meantime, the South African Defence Force (SADF), was planning an attack on the town of Cassinga on the 4th of May. It was specifically chosen as it was after the United Nations Security Council debate on South West Africa ended so as to “avoid making lives difficult for those countries favourable to South Africa”. In what is called Operation Reindeer, the SADF planned an airborne assault on Cassinga as the town was 260km from the border and deep in Angola. At this time the camp had around 4 000 refugees from SWA/Namibia. Most of these were mostly young people including students, or families with young children waiting to be sent onward to schools abroad or to some other designated permanent settlement areas. In the early morning of 4 May the SADF air strike dropped over 1 200 anti-personnel bombs, 30 000 pounds of high-explosives and ended it with a two-aircraft strafing run with 30mm high explosive fragmentation shells. Behind these bombings, the paratroopers came in killing everyone still alive by either shooting them at point-blank range or bayoneting them. Perhaps only a handful of prisoners were taken and brought to

the notorious prison camp at Kaiganachab, west of Mariental. The official death toll according to the Angolan Government was 624 of whom 159 were men (of which only 12 were soldiers), 167 women and 298 teenagers. A further 611 Namibian refugees were wounded in the attack. All the dead were buried together in two mass graves. Aftermath of Cassinga SWAPO breaks off all negotiations, but with some reservations decides to accept in mid-July the Western Five proposals, which the Security Council then ratifies in SC Resolution 431. A UN Special Representative for Namibia, Martti Ahtisaari, is nominated to prepare for the UN-supervised elections. Hendrik Witbooi is detained following SA’s raid on Cassinga and the subsequent SWAPO attack on the Guruchab Bridge on the highway between Keetmanshoop and Grünau. PLAN also attacks a railway bridge between Karibib and Usakos. After that some SWAPO activists are arrested: Peter Nangolo Iilonga, John Alfons Pandeni and Wilhelm Biwa. They are charged in terms of the Terrorism Act, No. 83 of 1967 and sentenced to prison terms between 18 (Pandeni) and six years (Biwa).


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Workers Day is traditionally associated with the workers struggle

Workers Day – 1 May 2013
n Namibia many people celebrate holidays in the month of May without knowing the history of the days – or more importantly – why we should remember these days as having a personal importance to us as citizens. Our national calendar for the monthly holidays for 2013 has four public holidays and starts with the International Workers Day on 1 May. Though Workers Day is traditionally associated with the workers struggle, and thus a day for interaction between workers and their representative organisations, many other workers also use this day as a day of rest and consider it to be their “right” to desist from work on this day.


During the struggle for Independence, the political parties were mostly considered socialist or communist, and the Apartheid Regime saw the celebrations of May Day as subversive. Therefore, the workers and students, who were the most organised of the internal struggle structures, used the 1st of May as a rallying point for seeking to push not only the rights of the workers, but the rights of all the people in the country to be free. The most well-known of these organisations were the National Union of Namibian Workers (NUNW) which was established on 24 April 1971 and the

Namibia National Students Organisations (NANSO) founded in 1984. Both of these organisations are affiliated to the SWAPO party and thus their members were also represented in SWAPO during the discussions of which days to recognise as National Public Holidays. Thus it came to pass that Act 26 of 1990: Public Holidays Act included “Workers Day” in its schedule of public holidays to be celebrated in the country. Interestingly, in 1955, the Catholic Church dedicated May 1 to “Saint Joseph The Worker”. The Catholic Church considers Saint Joseph the patron saint of (among others) workers and craftsmen.


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The Namibia Labour Force Survey (NLFS)
The survey also recorded a higher number of 37 879 and 68 906 persons respectively for unpaid family workers and own-account workers. On the other hand, the Census recorded 10 075 and 17 163 respectively for the same categories.

NLFS report reveals an increase in the Economically Active Group
he Namibia Labour Force Survey (NLFS) 2012 report recently released by the Namibia Statistics Agency (NSA) shows that a great percentage of the Namibian population aged above 15 years and above are in the economically active group. According to the NLFS report for 2012, 66 per cent of the population aged 15 years and above in Namibia is in the economically active group, which forms the labour force, while 31 per cent is outside the labour force. The report also revealed that close to three quarters (72.6 per cent) of the labour force are employed and that the employed population of 630 094 persons obtained from the 2012 survey is almost twice that of the 2008 survey which puts the employed population at 331 444 persons. Further, the NLFS 2012 produced an unemployment rate of 27.4 per cent, much lower than the rate of 51.2 per cent reported in the previous survey and the substantial increase in the number of employed and the large decrease in the unemployment rate is largely due to an improved methodology that resulted in better capture of categories of employed


people other than paid employees. Prior to the NLFS 2012, the Namibia Population and Housing Census of 2011 recorded a higher unemployment rate of 37 per cent. The differences in the estimates, according to the NLFS report, can be attributed to the detailed coverage of labour force variables in the survey compared to the Census. While the Census of 2011 had only one question which was used to determine the employment status, the labour force survey of 2012 had nine

questions which were used to filter out in more detail the employed and unemployed persons. The obvious differences can be observed in the number of employed persons in the categories of unpaid family workers and own-account workers. The survey also recorded a higher number of 37 879 and 68 906 persons respectively for unpaid family workers and own-account workers. On the other hand, the Census recorded 10 075 and 17 163 respectively for the same categories.

Consumer News


By Ndamanguluka Nakashole

Support Local Products…..


one are days when I preferred SA produced products over our own products. I always had all the negative reasons for Namibian products. To me, local products were either of unproved low quality or they are too cheap for my likes. When I came to varsity, I developed mad love for our local products. As an economics student, I felt a huge responsibility for my country’s own economy. My dad always told me that if I didn’t like my feet, who would. I never put that in economic terms till I did my own little research. Since then, every time I go to the shop I always look for locally produced stuff. When you buy local products, It’s like supporting your own brother’s business ; the profit always comes back to the family. So always support local products because at the end of the day, you are doing a great favor for your economy. When you support local products, you help our economy grow through

market expansion by increasing demand for local products yet helping our local producers to compete internationally through local competition. This is very important as in puts our country in the world map while helping reduce the prices of some goods because long distance transport costs are excluded from the local pricing. When you enter the shops, always look for local products which are increasingly entering the local supermarkets almost every day. These products are always the same and sometimes even better than, imported goods. Namibia is a developing country and industries are emerging and growing so do not be afraid to shift from your traditional foreign products. Always try out new local products because grass is not always greener on the other side. Buy Namibian, Go Namibian………. because LOCAL IS LEKKER

A Penny Saved is a Penny Earned
Gone are days when I used to throw away 5 cents coins in the streets and even leave them at the till, but that is before I discovered the beauty in savings. When I was around the age of 11, my dad always taught me to save even 50 cents a month. This sounded ridiculous for me and I never really took him serious till I came across one book on the beauty of savings. I have come to realize that what is important is not the amount that you save per month but developing the habit of savings. As a student studying Economics, savings were just part of the Income- Expenditure equation, nothing more, nothing less. But when I developed the habit of savings, I am now enjoying it. My advice is, always have a special savings account where you save your money for something and set a rule for it when it comes to withdrawals. This should not be the account that you use for daily transactions. This can help you save money. So stop ignoring what seems to be little. Every penny adds up to your savings balance. Start saving without stopping and remember to always include savings in your budget. Until next time…. Keep Saving

It’s Ok ………….
We usually get caught between should I, and should I not? There are times when we do something with our finances and later regret unnecessarily. But what if it’s ok?!. So It’s Ok to… • Pick up your 5 cents coins in public • Have a coin box at the age of 30 above • Refuse buying something nice but you didn’t budget for, despite all your friends getting one. • Have two accounts and make a stop order from the income receiving account to the special savings account • Seek financial advice from an experienced friend • Refuse to borrow ( live within your budget) • • • • • • • • • • Drink water after a meal, while your social friends always have wine after a meal Be stingy Buy a strong NAD400 jean of good quality over a NAD200 Teach your children how to save from a tender age of 5 Refuse buying a toy that your child is crying for Buy a NAD8000 water purifier that will last for years Put some money aside for emergency purposes Call yourself broke when you have money on your special savings account(s) Never lend money to friends and family Refuse to protect your children from the valuable experience of poverty


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SMEs Dos and Don’ts
• Go for quality, not quantity When it comes to capital goods such as production machines, you should consider quality which is usually guaranteed and lasts longer. Do not buy cheap machinery just because they are cheap but remember consider “value for money” • Re-Invest in your business You should use some of your returns to re-invest in your business and to expand. • Look for Financial advice As a determined enterprise, you needed some tips and guidelines from experienced financial advisors or people with the same experience from the same type of enterprise. You can also get information from related books, attending short courses or from the worldwide web. • Budget Wisely Budgeting is not strictly for private individuals. You need to budget for your enterprise too. • Don’t mix your personal finances (money) with business finances Always try to separate your personal money with business finances in order for you to control and monitor the (Revenue cost = Profit) equation. • Don’t buy luxury for business Remember that it is business needs, not private needs. So only buy things that are needed for running day to day business flows. • Don’t give things on credit Credit saves everyone, but it is a big risk for small to medium yet growing enterprises. Sometimes you might want to reinvest in more capital but there is no money because your debtors did not settle their bills yet. You wouldn’t really want to delay your business expansion. • Don’t overcharge clients Price your goods correctly. Clients always opt for fair prices and everyone wants to go for “Value for Money”.


best steps towards a successful personal budget
The following are the ten steps towards a successful budget: • Take some time to think about how often you would be doing your budget(shopping) • Write down the list of goods on a sheet of paper • Have a specific amount (maximum) that you set up for your expenses • Brainstorm on whether your expenses correspond with the amount allocated • Needs should must be your priority • The wants can follow at the last section of your shopping list • No Luxury: You would not really want to not save up anything or to exceed your maximum amount • Allocate enough time to do you shopping, do not rush • Look for the shops with the best prices and good quality • Relax, shop wise and keep receipts for guarantee purposes.

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The following correspondence was received from a consumer: Your work on consumer awareness is hugely appreciated. I am an avid reader of your column. I am however at odds with Lewis. My problem as follows: I bought a fridge at Lewis this month after viewing an advert that says N$ 364 per month all costs inclusive. This advert impressed me because of its low instalment then I went into the shop and received the following:


Insurance of

you buy

tomers who buy on instalment credit. First, let me address the issue of the deducted amount. This is normal practice Customer Protection Ins (22% pa)............................................ 3, 953.10 and just shows that the amount was already paid. You are Revenue Stamp.............................................................................. 15.00 not paying twice in this regard. However, be careful of the Customer Protection InsurSUB-TOTAL......................................................................... 11, 780.58 ance. This is a tricky issue as most furniture stores will Less Deposit: Cash..................................................................... 620.00 want to insure the furniture so that if they get stolen, your Trade-in...........................................................................................0.00 insurance will cover the rest of the instalments you would SUB-TOTAL.......................................................................... 11, 160.58 have to pay. It may sound like a good idea at first, but Contract Fees (incl. VAT)............................................................90.00 beware of losing something and you claim from the store. Finance charges @ 18.80% p.a................................................. 2, 2315.44 What will happen is that the store will ask you (once Balance of Purchase price....................................................... 13, 566.02 you report the goods stolen) for a household insurance Add back deposit......................................................................... 620.00 and if you have then they will tell you that it is illegal to TOTAL PURCHASE PRICE............................................ 14, 186.02 claim twice from insurance on the goods and you must Total V.A.T included above..................................................... 1, 546.34 claim from your household goods insurer. In fact, many times the stores have refused to pay out My concern is why is my deposit which is supposed to be claims even when the consumer had no other household insurdeducted from the total cost of item being added to the total ance after finding some loopholes in the contract. amount and why am I not allowed to provide for my own InsurThe bottom line is that you should rather insure all your ance? household goods with a short-term insurer which is recognised I approached the manager at Lewis and was told that they by the Namibian Financial Supervisory Authority (NAMcan remove the insurance but they cannot adjust the total FISA). amount because the “deal” has already gone through. If you then buy goods on credit, make sure you take your I do not understand why my monthly instalment cannot be household insurance proof with you and inform the furniture adjusted because of the same reason. I was more motivated to store so they cannot charge you for this service, which will be purchase the fridge because it says “Including All Costs”, which more expensive than necessary and probably not give you the I interpreted as implying that all additional charges are intype of cover you require. cluded, for example, Handling Charges, Financing, Insurance, Even better, save up your money and buy your goods with Stamp Duty, etc. Up to now, the manager cannot explain to me cash. The consumer who sent the inquiry could have bought what “Includes All Costs” means. She said she has referred the three new fridges for the same price, if they had bought cash at case to her regional manager. a certain dealer in Windhoek. Keep that in mind. Dear Consumers, this is a common problem for many cus-

Goods Total............................................................................. 6, 199.98 Handling Charges............................................................ ………..750.00 Maintenance Contract.................................................................862.50 Master guard...................................................................................0.00 TOTAL CASH VALUE....................................................... 7, 812.48


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Investors show interest in Namibia

– Benita Herma, a NTB Board Member.

Come 2014 , I am encouraging more Namibian Operators to join Namibia Tourism Board to market Namibia fully and at its best to the Middle East.

Mbaki Mbako the Public Relations Officer for Namibia Tourism Board.

Benita Herma

Klemens /Awarab

he Namibia Tourism Board (NTB) recently attracted a significant number of potential investors, as one of more than 80 countries exhibiting at the Arabian Travel Market in Dubai. The Trade Fair, which is one of the biggest tourism expos in the Middle East, was officially opened by His Highness; Sheikh Mohammed Bin Rashid Al Maktoum, Prime Minister of the United Arab Emirates and Ruler of Dubai and is taking place at the Dubai Convention and Conference Centre, an exhibition hub in Dubai which has attracted around 2700 exhibitors. According to Maggy Mbako, the Public Relations Officer for Namibia Tourism Board, “ Unlike when Namibia Tourism Board participated for the first time in 2012 where very few people visited the Namibian stand, this year, the stand was overwhelmed with a number of queries, from outbound tour operators, travel agents, hunting enthusiasts and media houses which wants to include Namibia in their brochures, both from Middle East and other participating countries.” Mbako said the Namibia Tourism Board staff at the stand handled a lot of enquiries from individuals who wish to plan their holidays to Namibia on their own, with the highest interest being exclusive safaris and hunting. This, according to Mbako, is a wakeup call to the Namibia Tourism Industry to start working hard in adjusting the necessary services that is accommodative to the Arabian travellers. “I am excited about so much interest inNamibia at the Arabian Travel Market, while I was under the impression that we have to work hard to even get


them pronounces the word ‘Namibia’. “Come 2014 , I am encouraging more Namibian Operators to join Namibia Tourism Board to market Namibia fully and at its best to the Middle East,” said Benita Herma, a NTB Board Member. Mr Klemens /Awarab, Head of Marketing at NTB said “There is an opportunity for, especially the upmarket tourism sector and the hunting industry. It is a definite must for the two sectors to attend the ATM” Mbako added that Namibia is using the Arabian Travel Market (ATM)platform to maximize on the awareness of being the host of the Adventure Travel World Summit in October 2012. “Regular delegates to the ATWS from countries like Peru, Jordan, Argentina, Mexico and many others, visited the Namibian stand to hear what they can expect from us in October, and it is very interesting to note the research they have done about Namibia and the information they have at hand which makes them excited and look forward to the Namibian experience,” said Mbako. According to HeikoEmmel from Ovita Conservancy- Game Ranch, one of Namibian operators in attendance with NTB, “the ATM is a great experience and platform for Namibian enterprises. We have the possibility to reach an untouched market in the Middle East and Asia. “The business opportunities in this area of the world are great and the people in the Middle East and Asia are looking strongly for new experiences andNamibia can provide such experiences.” The Namibia Tourism Board delegation is led by Ms Benita Herma, NTB Board Member and Mr Klemens /Awarab, Head of Marketing.

Consumer News


My Point of View
e recently went on a work trip to the southern part of the country in Ludertiz and Oranjemund to be specific. Although the town is very far from the central coast, we found Oranjemund to be pleasantly hospitable. We stayed at what seems like the world famous ‘Op my Stoep’ Lodge, which I found to be a very charming, and uniquely decorated place. They have a number of plates on one wall from all over Africa and you cannot over-

The opinion expressed for the articles are not from Consumer News but are the opinions of the writer. look the colourful view of flags from various countries all over the world. I have never seen as many peak caps in my life! The owner, Fanie Smit is the one who pours your whiskey. He runs your credit card through the machine and I could tell by merely looking at how efficiently he did his job that this man has been doing this for a very long time, as he strikes up a conversation quite easily. The ride to Oranjemund was excruciating and painful, but the food was well worth the trip! I cannot recall ever having such delicious food that I did not prepare myself, at a very cheap cost. Their whiskey is N$15.00 a tot, beer N$14.00 and ciders N$16.00. Starters are all below N$50.00 and seafood on average costed N$100.00. Their rooms are spacious, with showers, a mini DSTV bouquets and single beds with real matrasses. I rate their food 12 out of 10, service 9 out of 10 and the total overall experience 9 out of 10. I did not find anything to complain about in Oranjemund.


Motherhood – Sleep
s mothers we have the God-given right to choose how to raise our children-: whether we listen to our friends, our mothers, and people around us, even those who do not have children. My husband and I decided to expose our son to noise from birth. I generally am talkative, so it was fitting for him to grow up in an environment that was noisy and joyful. I have friends who did not allow visitors to their house whilst their baby was


asleep, and they just would not open the door, used to switch off their phones, and I guess there was dead silence in their house. Their daughter is now 2 and they are still prisoners in their home. This is what we wanted to avoid. When my son is sleeping, we talk in our normal voices; we cook, clean and carry on with life as normal. He often sleeps in his pram regardless of the noise and we do not do it on purpose but it just happens that way. He has never woken up

because of noise and our lives do not come to a standstill when he sleeps. I call this our household white noise. I read quite a bit about white noise in pregnancy books and on websites. They say that inside your womb it is quite noisy, and that was home to baby for 9 months, so it is only fitting that they feel ‘at home’ on the outside when it is noisy and not quiet. Read about it and then decide for yourself, it worked for us.

Hiring an architect:


ost people normally choose to build a custom home and then hire an architect to design it for a number of reasons. Most clients desire a distinctive, unique design expressing their tastes and their dreams to get exactly what you want in a home, and many choose to build a custom home to celebrate their success in life. Choose your architect carefully and always learn to ask the right questions: Are you compatible? Can you work together easily (and for a long time)? Look at the architect’s previous work. You may not see exactly what you want, but the style and character should appeal to you. Always ask for and check their references. As a part of his services, an architect

will discuss your goals, requirements, budget, and special needs and (s)he will visit and study your plot. The architect will then work to translate your dreams into reality in the form of design concept sketches. Next, he will prepare a detailed set of construction drawings and specifications which will be used to obtain accurate

and comparable quotations from potential contractors. The architect may offer to help you select appropriate contractors to quote your project, review those quotes and assist in selecting your builder. The architect will also provide assistance throughout the construction of the house and observe the construction process, help with changes, look out for quality control, assist in making design decisions and professionally represent the owner’s interests. If you chose the right architect, who can design your vision accordingly, and they can design your vision accordingly, and the contractor can construct your dream home, you should have no problems moving in…


Consumer News

What is product liability?
• By Coenraad B. Nolte (LL.B., LL.M.)  

The current stance of product liability law in Namibia as a Component of consumer protection: Time to reconsider our fault based system in order to effectively advance the consumer welfare agenda?
Product liability law is a specialized subdivision of consumer protection law in terms of which manufacturers, distributors, suppliers and retailers of products are held responsible in the event that their products cause damage to consumers due to the defectiveness thereof. Relevance to the Namibian consumer Although seldom employed, product liability law is not an altogether foreign construct in the Namibian context. It is currently rather cumbersome for consumers to recoup damages resulting from a defective product from the likes of manufacturers and retailers, due to the fact that our system is still a fault-based system, as governed by common law. In terms of Namibian common law persons who suffer loss or impairment due to the defectiveness of a product have recourse to both contractual and delictual remedies. Under the law of contract the seller of a defective product can be held in breach of contract where he or she gave a guarantee against product failure. The general problem in practice, however, is that contractual guarantees are mainly employed to limit or qualify the seller’s liability to replacement or reparation of the defective product. Further contractual remedies at the consumer’s disposal are the so-called aedilitian actions, namely the actio rehibitoria and the actio quanti minoris. These two remedies function on an either/or basis at the elect of the consumer. Same can be employed to both nullify the contract and claim back the full purchase price, or to claim a reduction of the original purchase price whilst retaining the product. These actions do however not provide for compensation for consequential loss, unless the seller was also the manufacturer of the product or a merchant who professed to have expert knowledge of the particular product. A further limitation of the contractual remedies is that it only provides recourse against the immediate seller of the defective product, and not against the manufacturer thereof, unless of course the manufacturer and seller is one and the same person. In the event that delictual law is employed, product liability cases are settled in terms of the Lex Aquilia. This does not provide for strict liability and therefore the ordinary requirements of an aquilian action must be satisfied, which include the proving of wrongfulness and fault on the part of the manufacturer of the defective product. The wrongfulness of the seller’s or manufacturer’s conduct is tested against the standard of reasonableness, or by invoking the principles of public policy. It is said that manufactures have the duty not to expose the consumers of its products to harm. This duty is breached when manufacturers produce and distribute defective products. Negligence or fault, on the other hand, is proved when it can be said that the seller or manufacturer has not kept the duty of care expected of the reasonable person in the same circumstances. In other words, that a reasonable person in the same position as the manufacturer would have guarded against the harm occurring, but that the manufacturer has failed to do so. The foreseeability and possibility of prevention of the defect and the harm it caused is therefore of particular relevance. The negligence burden of prove required by Namibian law is hefty. Wherefore, courts may to employ a procedural device called res ipsa loquitur to alleviate this burden. The res ipsa loquitur doctrine denotes that negligence may be inferred from the damage causing actions of the defendant, i.e. that the facts speak for themselves. Such

an inference is only justified when it can be concluded from general knowledge and experience that the damage would not have ensued but for the fact that the manufacturer/seller was negligent. As stated above the claimant must normally prove fault on the part of the defendant. However, in very limited cases strict liability applies, rendering the seller liable for damages resulting from a defective product without fault on its part. In these instances sellers therefore have an additional duty towards the consumer to inspect the goods for latent defects. How is product liability enforced elsewhere? The Namibian fault based system stands in strong contrast to the strict liability regimes followed in consumer conscious jurisdictions such as the USA, Europe and even South Africa. In these jurisdictions the continued advocacy and focus on consumer welfare led to the recognition of pertinent consumer rights, which ultimately changed the product liability law from a fault based to a strict liability system. More specifically, in South Africa the transformation took place due to recognition of consumer rights such as: • Right to equal access to the consumer markets; • Consumer’s right to confidentiality and privacy; • Consumer’s right to choose; • Right to disclosure and information; • Right to fair and responsible marketing and promotion; • Right to honest dealing and fair agreements; • Right to fair value, good quality and product safety; • Suppliers’ accountability to consumers. The way forward In Namibia we should certainly also strife to attain a level of consumer welfare where explicit consumer rights are recognized. This can only be achieved if we continue to advocate and discuss the matter until we are ready to effect holistic legislative change. It is my humble submission that the current recognition of the importance of consumer welfare in the Competition Act 2 of 2003 is a good start. We are however now at a stage where we need convert same into pertinent and enforceable rights.

Consumer News


Bank Windhoek makes buying a new vehicle affordable
ank Windhoek recently launched its seventh annual Bank Windhoek/ Republikein Motor Show, which will take place in conjunction with the popular Namibia Tourism Expo from 29 May to June 2013, at the Windhoek Show Grounds. Speaking at the launch the Managing Director of Bank Windhoek, Christo de Vries, said: “The Motor Show has become an important fixture on the Namibian motoring calendar, as it presents an excellent opportunity for aspiring car owners, as well as car owners who wish to upgrade or add to their precious fleet of cars, to acquire the car of their dreams.” Christo de Vries added that, the motor show provides a platform of convenience and variety in the sense that prospective buyers can view a variety of vehicle


brands and models in one place. The platform will also benefit the motor vehicle industry through the unique selling opportunity presented to them and, according to Christo de Vries, also demonstrates Bank Windhoek’s commitment to building and strengthening our relationship with all stakeholders in the motor vehicle industry.” He said, “The success of the Motor Show is not only reflected in the increase recorded in the number of visitors to the Motor Show and Expo, but has also been registered in our records. “Over the years, we have seen a positive increase in vehicle and asset finance applications at the Motor Show. The significance and impact of the Motor Show cannot be underestimated given these results. Its success has contributed to position Bank Windhoek as the

country’s market leader in the competitive and challenging vehicle and asset finance market.” Bank Windhoek will also run a competition in which 10 lucky clients who finance their vehicles at the Show, can each win one of 10 weekend breakaway packages to participating lodges, irrespective of which of the financing options the client has chosen. Participating dealers will showcase a number of vehicle brands, which includes Audi, Alfa Romeo, BMW, C.A.M., Chery, Chevrolet, Chrysler, Citroen, Daihatsu, DFSK, Dodge, Fiat, Ford, Foton, Geely, Hyundai, Isuzu, Iveco, Jaguar, John Deere, Jeep, KIA, Land Rover and Range Rover, Mahindra, Mazda, Mercedes Benz, Opel, Peugeot, Renault, SsangYong, Suzuki, TATA, Toyota, Volkswagen and Volvo.

SAA and Air Seychelles announce code share agreement
he South African Airways (SAA), Africa’s most awarded airline, recently entered into a codeshare agreement with Air Seychelles, the national airline of the Republic of Seychelles. The first phase of the agreement will see South African Airways place its “SA” code on Air Seychelles’ non-stop flights between Johannesburg and Seychelles. South African Airways will also place its code on flights between the two largest islands of Seychelles, Mahé and Praslin, subject to approvals. Subsequent to the launch of the partnership between SAA and Air Seychelles, the airlines will look into expanding the agreement to include Air Seychelles placing its ‘HM’ code on South African Airways’ non-stop flights between Johannesburg and destinations across South Africa. The deal follows a strategic move by Air Seychelles to increase its connectivity throughout South Africa and conti-

Manoj Papa, SAA General Manager Commercial


nental Africa. Manoj Papa, South African Airways General Manager Commercial, said: “This partnership signals a strategic move by both airlines to increase connectivity and grow their networks. This also augments SAA’s already extensive African footprint. SAA currently flies directly to 26 destinations across Africa from its Johannesburg hub. Furthermore, the partnership adds breadth to our network, incorporating two additional destinations to the existing global partnership network which provides in excess of 1329 destinations in 194 countries globally. With strategic partnerships such as this one SAA is able to provide its passengers with more connections on the continent and across the globe.” Cramer Ball, Air Seychelles Chief Executive Officer, elaborated: “Our flights to Johannesburg have been incredibly successful, reflecting an increasing number of travellers coming out of South

This partnership signals a strategic move by both airlines to increase connectivity and grow their networks. This also augments SAA’s already extensive African footprint. SAA currently flies directly to 26 destinations across Africa from its Johannesburg hub.

Africa to the Seychelles for leisure, business and sport. Traffic from South Africa has grown at a steady pace of 11 per cent each year for the past decade. In the first quarter of this year alone, traffic is up 13 per cent. “With this codeshare agreement, guests will be able to purchase flights from South African Airways destinations onwards to the Seychelles on one ticket, making for a simpler and seamless journey. “We have also established a foundation for twin-centre tourism products which combine a safari in Africa with a Seychelles beach holiday. SAA Holidays will also be adding Seychelles to their holiday program, providing a new channel for selling travel to our island nation and supporting the vitally important tourism industry.”


Consumer News

Consumer Protection Act needed in Namibia
• ROB PARKER We in Namibia are still not covered under any kind of comprehensive consumer protection legislation. South Africa passed an act known as the Consumer Protection, signed on 24 April 2009, to protect the rights of consumers in that nation. Here are some of the highlights from their legislation. Consumer News will be highlighting sections of the act and explaining the benefits of such protection to Namibian Consumers. The act intends to:  Promote a fair, accessible and sustainable marketplace for consumer products and services; Establish national norms and standards to ensure consumer protection; Make provision for improved standards of consumer information, to prohibit certain unfair marketing and business practices; Promote responsible consumer behaviour; Promote a consistent legislative and enforcement framework, related to consumer transactions and agreements; Establish the National Consumer Commission; and Replace, in a new and simplified manner, existing provisions from five acts, including the Consumer Affairs (Unfair Business Practices) Act of 1988; Trade Practices Act of 1976;Sales and Service Matters Act of 1964; Price Control Act of 1964; and Merchandise Marks Act of 1941 (specifically Sections 2-13, and 16-17).        Who may lodge consumer complaints?  An individual; An authorised person acting on behalf of another; A person acting as a member or in the interest of an affected group or class; or A person acting in the public interest (amicus curiae/leave of tribunal or court association, acting on the interests of its members).           The Consumer Protection Act applies to the following:  Every transaction occurring within the Republic of South Africa; Promotion or supply of any goods and services occurring within the Republic; and Goods or services that are supplied or performed, in the Republic, in terms of transactions mentioned in the Act  The Act is not applicable in respect of:  Goods or services promoted or supplied to the state; Industry-wide exemption being granted to regulatory authorities; Credit agreements, in terms of the National Credit Act, but not goods or services; Services under HYPERLINK “http://”employment contracts; Agreements giving effect to collective bargaining agreements; and Agreements giving effect to bargaining agreements (Section 213 of the Labour Relations Act).    The Consumer Protection Act has two (2) implementation dates:   Who is a ‘Consumer’  Consumers are persons to whom goods or services are marketed, who have entered into transactions with suppliers, users of particular goods or recipients/beneficiaries of services   What are Consumer Rights?  The Bill of Rights enshrines the rights of all South Africans – including consumer rights. The Consumer Protection Act further outlines these key consumer rights, of which all South African consumers should be aware. These include the following:  Right to Equality in the Consumer Market and Protection Against Discriminatory Marketing Practices; Right to Privacy; Right to Choose; Right to Disclosure of Information; Right to Fair and Responsible Marketing; Right to Fair and Honest Dealing; Right to Fair, Just and Reasonable Terms and Conditions; Right to Fair Value, Good Quality and Safety; and Right to Accountability by Suppliers.           Consumer Right No. 1  Right to Equality in the Consumer Market and Protection Against Discriminatory Marketing Practices  What does this mean for the ordinary consumer?  Your right to free and unlimited access to goods and services Suppliers are not permitted to limit access to goods and services. Suppliers are not permitted to prioritise any consumer groups over others when marketing, selling or distributing their goods and services.                    Your right to high-quality goods and services Suppliers are not permitted to vary the quality of their goods and services in a discriminatory manner. Consumers have the right to query the inferior quality of goods and services.                Your right to fair pricing of goods and services Suppliers are not permitted to charge unfair prices for the same goods and services. Consumers should be treated equally, irrespective of gender, race, socio-economic status or geographic location.               Your right to lodge complaints The Equality Court has jurisdiction in respect of alleged contraventions: Proceedings may be instituted before an Equality Court. Consumer complaints may be filed with the National Consumer Commission, the latter of which is required to refer such complaints to the Equality Court, if they appear to be valid.           Consumer Right No. 2   Right to Privacy What does this mean for the ordinary consumer? Your right to restrict unwanted direct marketing Consumers have the right to protect their privacy and confidentiality in respect of unwanted or unsolicited correspondence. Consumers have the right to refuse unwanted sms’s, telephone calls, letters or ‘spam’ e-mail.            Your right to discontinue receipt of direct marketing at any time Consumers have the right to opt out of receiving unsolicited direct marketing services by blocking the relevant supplier/marketer. Consumers have the right to accept, restrict or refuse unwanted direct marketing. Companies and suppliers are not permitted to continue any unsolicited direct marketing of goods and services, once consumers have opted out.

Consumer News


Boxing defines Namibia’s Sporting sector
oxing is one of the sports where Namibia has managed to win and grab world title’s which has not only brought about the country’s fame but has maintained its respect and recognition around the globe in the sporting sector. Namibia’s boxers, Paulas ‘The Rock’ Ambunda crowned WBO bantamweight


world champion and WBO Africa welterweight title holder Bethuel ‘Tyson’ Ushona, recently paid a courtesy visit to the Founding Father at his office where he praised the boxing fraternity for the recent success achieved on the international stage. The Telecom Namibia Managing director, Frans Ndoroma also received two

recently crowned boxing champions, Joseph ‘Smokey’ Hilongwa and Albinus ‘Danny Boy’ Feliciamu’, who also defeated their challengers in Windhoek in

CN 16

March this year. ‘Smokey’ won the WBF International Super Flyweight title against the South African Dalisiswe Komani, while ‘DannyBoy’ defeated Hebert Quartey from Ghana to win the new IBF World Youth Super Featherweight title. ‘Smokey’, who holds the World Boxing Association (WBA) Africa Flyweight title, won the 12-round bout on a unanimous decision. The judges scored it 118-110, 115113, 116-112 in his favour. ‘Danny-Boy’ won on points in a 10-round bout. All three judges scored 98-88 in the Namibian’s favour. Nester Tobias, Namibia’s boxing sponsor was recently quoted in the media saying that, “Our aim is to produce more world champions for Namibia. We want to thank you and the entire Namibian nation for always being behind us. You gave us a foundation and we used it to our best advantage and created a world champion.” Namibia’s boxers deserve a pat on the back and this goes to the entire nation to continue supporting our boxers in to ensure we keep the titles in the Land of the Brave.


Consumer News

Request for Proposal
The Namibian Competition Commission (“the Commission”) is an independent statutory body established in terms of section 4 of the Competition Act (Act 2 of 2003) with the core mandate of promoting and safeguarding competition within Namibia. The Namibian Competition Act was enacted with the purpose of enhancing the promotion and safeguarding of competition in order to promote efficiency, adaptability and development of the Namibian economy; provide consumers with competitive prices and product choices; promote employment and advance the social economic welfare of Namibians; expand opportunities for Namibian participation in world markets while recognising the role of foreign competition; ensure that small undertakings have an equitable opportunity to participate in the economy and to promote a greater spread of ownership; in particular to increase ownership stakes of historically disadvantaged persons. 3. Suggest possible amendments into the legislation 4. Facilitate at the Stakeholder workshops and 5. Perform all other functions as detailed in the Request For Proposal (RFP) The Commission invites proposals from eligible consulting firms to provide the above services and as detailed in the RFP. Interested eligible consultants may obtain further information or download an electronic copy of the RFP document from the Commission’s website alternatively collect hard copies from the offices of the Commission in Windhoek.


Namibian firms lacking expertise in the field of competition law and policy are encouraged to form Joint Ventures (JV) or Associations with international firms well versed in this field. See the The Commission has identified the need to review RFP for details. its current Act and Rules. The aim of the review is to align our laws with emerging trends in competition Comprehensive proposals should be submitted to law and to remedy the provisions of the Act and the underlying address, using the RFP document by Rules that have over time become obsolete. The 12:00 hours on Friday, 31 May 2013. Submissions Commission if further of the view that competition arriving after the deadline will not be considered. law and consumer protection share the same Project is expected to commence on 01st July 2013. objective, as such seeks to with the review expand on the provisions of section 2 (b) of the Competition Address: The Namibian Competition Commission The Office of the Secretary Act. Review: Competition Act and Rules Shop 14, Mezzanine Floor, BPI House The Commission therefore wishes to obtain the 269 Independence Avenue services of a consultant(s) with legal and professional Windhoek, Namibia skills and experience particularly in the competition and consumer law sphere to assist with the review. Website: About us- Tender & Vacancies The Consultant(s) will be expected to; 1. Conduct a detailed review of the Competition Act and Rules for gaps and harmonization with Enquiries: Ms. N.A. Tjipitua regional and international practices; Tel: +264 61 224622/+264 852200006 2. Benchmark the Competition Act and Rules Fax: +264 61 401900/+264 61 401 901 against similar pieces of legislation in similar jurisdictions;

Consumer News


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