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Understanding the MVA Fund
How to claim from the MVA Fund
The Fund operates on a “no-fault” based system where all people injured in motor vehicle accidents, regardless of who caused the accident, receive fair and reasonable benefits, subject to some limitations and exclusions. This effectively means that all persons injured and dependants of those killed in motor vehicle accidents can claim and benefit from the MVA Fund. Road users are encouraged to report all accidents involving motor vehicles through the MVA Fund Call Centre using the Accident Response Number: 0819682, in order to receive prompt emergency response and subsequent medical attention. Claims should be submitted immediately after the accident. For accidents that occurred prior to 02 May 2008, claims should be submitted no later than 30 April 2011. Once a claim is received, it is registered on the Fund claim system and assessed based on the merits of each case. The following process provides an outline of how claims are received and processed by the MVA Fund. The Claim Process 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. Crash Occurs Call centre is notified Call Centre dispatches Ambulance Injured person is treated at the most accessible medical facility MVA Fund issues GOP – next working day Case Manager undertakes hospital visits & issues claim form for submission by injured person. Injured person is discharged from hospital Injured person submits claim form MVA Fund assesses claim and processes payment of injury grant if applicable MVA Fund communicates medical undertaking outcome of assessment Case Manager obtains progress medical reports from specialists Case Manager drafts & implements rehab plans in consultation with claimant Treatment is provided Claim is either closed or further rehab is provided.
For more information, please contact any of the MVA Fund Service Centres in Windhoek, Ongwediva and Rundu.
MVA Fund Service Centre Ongwediva ERF: 6325, 6326, P.O. BOX 3669 Tel: +264 65 234 060/1, Fax: +264 65 231 613
MVA Fund Service Centre Windhoek 8495 Church Street, P.O. BOX 25158, Tel: +264 61 289 7000, Fax: +264 61 241142 Visit our website: www.mvafund.com.na
MVA Fund Service Centre Rundu Eugene Kakukuru Road, North Gate Building, Shop No.11 P.O. BOX 899, Tel: +264 66 255 826, Fax: +264 66 256 859
John Meinert Printing The team at Consumer News are very excited about this issue as we have some great local issues to report back to you. We receive many complaints from shoppers in Windhoek and beyond. This month we investigate a VAT complaint. Are local supermarkets adhering to the rules? We find out more. We also tackle the thorny issue of the amount of chips you get at the KFCs in Namibia. We compare a Two Piece and Chips from Canada to our own Streetwise Two and you will be surprised at the results. Namibia’s consumer groups contribute on local issues, VAT and credit management. This month we also welcome the Namibian Standards Institution and Victoria Kangombe as regular contributors and we are very pleased to have them aboard. Your feedback propels us to excellence. Please email us at firstname.lastname@example.org
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Elisha Chambara E-mail: email@example.com Cell: 081 377 4344
Victoria Kangombe E-mail: firstname.lastname@example.org Rob Parker E-mail: email@example.com Cell: 081 621 0524 Lynette Magaramombe Cell: 081 423 0181 Marla Chaneta E-mail: firstname.lastname@example.org Denver Isaacs E-mail: email@example.com
In the April edition of Consumer News we incorrectly stated that the tariff on electricity was increased 35% by Nampower. The tariff rate approved by the Electricity Control Board was actually 18%. We apologize for any inconvenience or misunderstanding we may have caused.
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We are pleased to announce our contest winners from August
Norman Skrywer Email: email@example.com Cell: 081 430 4003 Leitago /Narib E-mail: firstname.lastname@example.org Cell: 081 363 2712
You deserve more ...
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.
Contact details Consumer News
PO Box 96366 Windhoek, Namibia Tel/Fax: +264 61 228 196
Namibia Consumer Protection Group: Milton Louw. E-mail: email@example.com Namibia Customer Service Institute: Jon Allen. E-mail: firstname.lastname@example.org Website: www.namibiacsi.com Namibian Consumer Lobby: Bob Ziekenoppasser. Tel: 064-461 461 or 081 284 8000 Namibian Standards Institution: Tel: 061-386 400 / Queries: email@example.com Website: www.nsi.com.na
table of Feature
VAT for the vigilant consumer
04 12 07 10 08 14 25 20 28 31 32
Staple products & VAT
KFC We get chippy with KFC
Victoria Kangombe On quality service
Denver Isaacs Debt and the pay day loan
NSI (Namibian Standards Institution) Outline their mission
NCPG (Namibia Consumer Protection Group) Manage your debt
NCSI (Namibia Customer Service Institute) Customer expectations
Sitting with Tsitsi
Cash loans International
Soccer Preview of the Namibian Premier League
A LIT TLE MORE OF THIS... A N D A L I T T L E L E S S O F T H AT ?
element creations / tn / how / 2010
T E A M N A M I B I A M E M B E R S A N D S U P P O R T E R S C R E AT E LO C A L W E A LT H . T E A M N A M I B I A . B E N A M I B I A N - B U Y N A M I B I A N . C R E AT I N G J O B S . S U P P O R T I N G LO C A L B U S I N E S S .
his month we received an inquiry about whether supermarkets are correctly exempting staple items from ValueAdded-Tax (VAT). Consumer News took to the streets to find out what the situation was. We visited Pick ‘n Pay, Shoprite and Checkers, Woermann Brock, Tre Supermarket and Superspar and purchased these items from every store for pricecomparison and to check out the VAT scenario. We examined the receipts from each of these stores and came to the conclusion that, as far as the receipts indicate, all the stores listed the VAT-exepmt items with an asterix and is tellied under the zerorated VAT section at the bottom of your receipt.
Consumer News also made the effort to get in touch with Inland Revenue who provided us with the amended 2010 list of all basic necessity products listed as VAT-exempt items. We urge all consumers to be vigilant and check their till slips when leaving the supermarket. Most importantly consumers… do not be shy or afraid to ask the store supervisor for an explanation on any item that you may deem suspect! As this particular issue relates to all Namibian citizens, Consumer News refered this to Mr Bob Ziekenoppasser from the Namibian Consumer Lobby, whom has put together an interesting viewpoint.
Elizabeth writes to Consumer News: “I have a concern I want to bring to your attention, please direct me to the right people if you are not responsible for this. After VAT was exempted from commodities like milk, bread, sugar, cooking oil and others, there are some shops like Pick & Pay and Shoprite that charge customers VAT on these commodity items. If you check the receipt after buying these commodities, they indicated a harsh which means that it is a non-taxable item, but there is VAT indicated under non- taxable item and taxable item. The total price you will pay is including the two VAT amounts. I compared Shoprite and Pick & Pay receipts with the one for Tre Supermarket, but Tre is not charging VAT on non-taxable items. Please advise me on this, maybe I do not know how the VAT works. Thank you Concerned consumer Elizabeth
Listed below are the items that are exempt of VAT as is defined in section 1 of the Customs and Excise Act: • • • • Supply of mahango, mahango meal or maize meal, but does not include these items when furnishing or served as a meal or as cooked or prepared food Supply of electricity, water, refuse removal and sewerage to a residential account Supply of fresh and dried beans (excluding canned and frozen beans), sunflower cooking oil, fried out or processed animal fat used for preparation of food, bread and cake flour (sifted or unsifted) and bread, but does not include these items when furnishing or served as a meal or as cooked or prepared food (added by Section 1 Act 4 of 2008) Supply of dry white or wet or dry brown granular sugar, and or fresh milk (added by Section 6 Act 4 of 2010; effective as from 1 May 2010)
VAT c o n t .
Namibian Consumer Lobby on
Founder: Bob Ziekenoppasser
he Consumer Lobby and the Namibian consumers are extremely grateful to the government for exempting various basic commodities from VAT. Sad but true, whenever an Act gets past in Parliament, the infrastructure such as trade inspectors are extremely inadequate to control, if the Act is adhered to, thus resulting in the consumer not benefiting the full 15% that should have been deducted from commodity prices. Since Namibian consumers are not price-conscious, many shops and supermarkets either do not deduct the VAT, or only deduct a few percent. This results in the consumer pulling the shortest end. This stops no outlet to merely move a VAT-exempted article on the tally roll and computer to a zero rate-category without properly deducting the full 15% VAT. For the client who reads their till slip will be satisfied that it is exempted, but little do they know that the price of the product has remained unchanged and in some cases increased. To give an example; a brotchen before exemption costs 90c, after exemption this should be selling at 75c. I have failed to see any outlet currently selling brotchens at that price. When asking the prices, the reply mostly is that “we just had a floor price increase”. The abovementioned example applies to other exempted commodities too. The time has come, perhaps is seriously overdue for guidelines to traders and especially small and micro companies to enact a clause that no trader may sell without handling the client a proper till slip, containing the outlet name and telephone number, products sold and total sold, VAT included and excluded. Too many traders are getting away with murder, to the detriment of the poor consumer. It should also be noted that many bakers are not familiar with the exepmtion on the floor. One will find that as soon as they add some seeds to the bread or include an absolute minimal amount of raisins in a loaf they keep the price as per before exemption. There seems to be no guidelines as to what amount of raisins a loaf should contain, in order to call it a raisin loaf. There also does not seem much control on the weight of bread and brotchens.
Weight of the above-mentioned differs from shop to shop and shockingly with lots of grams. When will the ministry dealing with weights and measures employ more inspectors for all the regions in Namibia? It would have been wonderful if the government would have exempted VAT from traditional milk products such as Omaere and Oshikadela which are basic necessities for many Namibians. Another point to ponder is when the Ministry of Mines announces a petrol price increase commodity, prices shoot up overnight even before the implementation date of the petrol price increase. Consumers please take note of the following: • • • Advertisement that reads “With us you Save”. Save What? Since you always pay for products and leave the shop with less money in your pocket. You can buy a product on HP without paying a deposit. This deposit figure is always calculated into your monthly repayments WITH INTEREST. Watch out for products that are priced at “3 for N$20” or “3 for N$15” etc. Psychology tells us that shops benefit greatly on their monthly sales. YOU MAY PURCHASE ONE ONLY!! Be aware of “Specials”! 50c or 70c off is often used on specials, you are saving nothing basically. What is 50c or 70c in 2010? •
CONTACT Bob Ziekenoppasser Tel: +264 64 461 461 Cell: +264 81 284 8000
NAMIBIAN CONSUMER LOBBY
KFC...Where are our Chips?
Canada KFC Namibia KFC
n a world where consumers can lose their homes due to subprime mortgages and fake HIV drugs sold openly in the media; this is not the most important issue in the world. It will not truly harm you or endanger you or your loved ones in any way, but we hear about it all the time. It is the fact that we do not receive our fair share of chips at Kentucky Fried Chicken. Consumer News decided to investigate whether this is a KFC problem worldwide of whether this is a phenomenon unique to Namibia. Towards that end, Consumer News enlisted a volunteer from Canada to go to their local Kentucky Fried Chicken and check out what KFC offers consumers for their money on that side. We were surprised to find that when you buy a two-piece and chips in Canada, you actually get chips, and a good portion of them. We have heard the complaint so many times here; “I went to the KFC drive-through and only got 5 chips” and we decided to check for ourselves. We went to KFC, both of them in Windhoek, twice
each, and ordered a two-piece and chips (Streetwise two). We found that while we did get more than 5 chips, it was not much more. We found 20 chips, 21 chips, 13 chips and 15 chips respectively. We were pleased that KFC did not try to stiff us with only five chips, however, we were very disappointed to see that we received about half the chips we would have gotten if we were in Canada, for about the same price. Consumer News is aware that one of the foundations of any franchise is the notion of uniformity. This means that in every outlet, things are the same. Advertising, outfits, and portions etcetera, down to the last detail. We acknowledge that there may be exceptions to the rule that are justified. It makes sense, for example, for KFC in Dubai to be halal, or in Tel Aviv to be kosher, but there is no reason that we can see for being stingy with the chips in Namibia. So why the discrepancy? Why more chips in Canada than in Namibia? We spoke to local area manager at KFC and ….. told us this….
Hi Rob, Thanks for bringing this to my attention. To give you some insight – we are part of a franchise company and we are operating under stringent rules and regulations that we have to abide by in almost all aspects of our business with procedures and standards being two of the key components. From what I have observed, our portions do not differ from those in the pictures you have sent to me in any significant way. With this being said, I would like to add that we always strive to give our customers the best value for money. Regarding the Canadian operating procedures, unfortunately I cannot account or comment on this as I’m not directly linked to them in any way. Kind regards Rudi
Quick fix or debt whirlpool
he description evokes images of chain-smoking baseball bat wielding brutes and broken car windows. The guys who you have always been warned not to ever borrow money from, lest you’ll soon find yourself paying back exorbitant interests on a measly sum borrowed, or as some claim has happened to them, caught up in a vicious cycle of never-ending debt and enslavement. Today, the term stands replaced by the euphemisms, “quick loans”, or “cash loans”, and unlike underworld extortionist outfits, operate quite openly and under the law (those registered at least) in some of the most populous parts of town. But even so, claims of impossible interest rates and repay dates as well as security risks due to bank cards being reeled in, continue as unabated as the rate at which society continues to support these micro-lending outfits. “I had an emergency once and going to a cash loan was really my only way out,” says Christo Cloete* “They helped me pretty nicely, but that paying back was something else. There’s no paying off over a couple of months. I had to pay them back the next month end, and they kept my debit card to withdraw the money themselves. But they give you all your (ATM) slips so you know exactly how much they take,” he says. In Cloete’s case, the amount owed was more than his daily teller limit, so the cash loan company held onto his card for two days until the amount was paid in full. In a quick telephonic survey, Consumer News contacted three listed cash loan companies to find out their requirements when taking out a loan. All three had the same criteria. “We need three months worth of bank statements, a pay slip and your Bob card,” the opera-
tor at Pay Day Financial Services told this reporter. Interest rates across the board were said to be charged at 30 per cent, which is the absolute maximum under the country’s Usury Act. The Usury Act sets a limit of 30 per cent interest per annum on loans less than N$10 000, and 27 per cent per annum on loans above N$10 000. In 2004, the Bank of Namibia (BoN) published a study which promoted the idea that micro-finance institutions are a necessity in order to provide financial services to rural people and the poor who have no access to formal banking.
By Denver Isaacs
The study, titled PROMOTING MICRO-FINANCE ACTIVITIES IN NAMIBIA: A REGULATORY AND SUPERVISORY PERSPECTIVE, names cash loan companies among the six categories of institutions that may legally provide micro finance. The six categories are banking institutions regulated by the central bank; public financial corporations registered under special acts; Savings Cooperatives registered by the Ministry of Agriculture; NGOs, and non-banking institutions regulated by Namibia Financial Institutions Supervisory Authority (Namfisa). At the time, Namfisa stated that about 100 microlenders had been in existence throughout the country, with 80 of these being registered with the body. These, Namfisa said, were based mostly in urban centres and offered lending primarily to people who earned salaries. It also made note of informal money-lenders who did business without being regulated or officially recognised. These, reportedly one-man operations, are claimed to pop up among employees at retail and other companies, while allegations of at least one primary school teacher at a Windhoek-based school operating a cash
loan service for fellow teachers, parents and the public at large during school hours have also made the rounds. Questions sent to Namfisa regarding their view on cash loan companies, the confiscating of bank cards and making use of private pin-codes of borrowers, as well as the general regulating of these companies, are still awaiting a reply. Still, regardless of the broader perception around cash loan operations, their popularity undoubtedly points towards the reality of supply and demand. “People come to us for various reasons. Some say they have a death to deal with, others for their own purposes. If you apply for a loan at the bank, they ask you all types of questions. I don’t ask questions. As long as you can assure me that you can pay me back, you can have your money in half an hour,” says Albert Piechazek, owner of Quick Loans Pika in Windhoek. Quick Loans Pika is one of the oldest operating cash loan operations in the country having been around for the past 20 years. And in that time, Pietchazek says they’ve had to deal with many a customer that threatened their operations, rather than the other way around. “It’s a risky business. You get guys who bring you expired cards, and references who swear that, yes the guy works for him and earns this amount of money, but then you find out it is all lies,” he says. Another problem with going to the ATM with stacks of bank cards in one hand and a list of pin-codes in the other, Pietchazek says, is armed robbery. “It’s not so much a problem nowadays. We have armed guards accompany us,” his manager DennisAdonis, says.
“It’s not legal. But tell me how else do you suggest we do it if that’s the only way the guy can pay?” The company has various means of collecting their earnings, including cash cheques signed by customers, debit orders, direct payments into their bank accounts, and with First National Bank (FNB) cards at least, the swiping of their cards. Hanging on the company’s entrance wall is their certificate of registration with Namfisa, as well as a Namfisa complaints box where any grievances, even against other cash loan companies, can be leveled. “Namfisa takes one per cent of every transaction,” Pietchazek says, adding that as a registered company, they get audited by the authority body every other year. “Although we’re still waiting on the results of the last audit,” he says. *name has been changed to protect privacy
“It’s not legal. But tell me how else do you suggest we do it if that’s the only way the guy can pay?”
The company has even taken over debt from their competitors, Pietchazek says. “We’re all connected to automatic bank services like the South African ‘Compuscan’, so we’re able to see if a guy is trying to make new debt with us while he still has outstanding debt at another company,” he says. Asked about the controversial practice of taking people’s bob cards, Pietchazek shrugs his shoulders.
Service feeds service; no one is more equal than others
any a time we would hear ladies complaining about the durability of their artificial nails: “I just got these done a week ago and they are already falling off.” That is when we are not listening to someone complaining about their laptop that seems to be acting up a day after receiving it back from the computer technician. The worst is a patient who visited a state clinic and had to feign collapsing just to catch the attention of the nurse. One wonders if those ladies know that salons should have an aftercare service. Salon clients should in actual fact be advised to go back for a ‘retouch’ after a certain period, or should at the very least be advised to purchase a DIY aftercare kit of some sort. IT guys are notorious for intentionally using IT jargon to confuse clients. Hearsay has it that it is a tactic to ensure that clients keep coming back. It is despicably discourteous to monopolise knowledge; it is a diabolic tactic to intentionally not alert someone to what is faulty with their product. We all know this, but we choose to be silent; we are consumers, we are always right after all, right? Consider this: during the days of bartering, the attitude was that everybody has something that another needs. Thus everybody’s needs were equal, none more equal than the others’. This implies that a retailer needs your services in order to keep offering you their service, or less bluntly, service feeds service. Unfortunately, as worldly ways shifted, some people became more equal than others; the barter-day attitude transformed to the customer always being right. What does this translate to? That the retailer is always wrong? Does this not imply that a toxic dose of uneven power has been poured into the merchant-punter relationship? Ironically, this dose concentrated the power in favour of the party that is expected (according to the doctrine) to be submissive, the party that is supposedly not always right. Truth is, because we, the consumers, have been made to think that we are always right, we naively assume that the retailer will always do what is right for us. Along with that, we have surrendered the power to choose what we feel and believe is right for us. Does this not allow the retailer to adopt a lax attitude towards quality service provision? If there is any great danger in the retailing world, it is to surrender your right to receive what is rightfully yours – superb products and services.
As a consumer, you only really own three intangible assets in the buyer-seller relationship – your emotions, an opinion, and your rights. In fact, you only own two things because you allow for your (abundantly available) rights to be rationed to you. Out of fear, we, as consumers, have come to accept mediocre service as the ‘best thing ever to hit the shelves’. The best? Really? Perhaps it is time to reassess this merchant-punter relationship. You have rights as a consumer, abundant rights in fact. You especially have the right to demand for top-of-the-range products and services. It is to enforce that right that organisations such as the Namibia Customer Service Institute (NCSI), the Namibia Consumer Protection Group (NCPG), the Namibian Consumer Lobby (NCL), and the Namibian Standards Institution (NSI) exist. It is especially because of your fear to demand what is rightfully yours that the Consumer News exists – we want to be your anchor. Consumer News will be running a series of articles on the typeand quality of services that the average consumer should be receiving from service providers. We will initially focus on government agencies and SMME’s as the most publicised complaints come from these least-reactive-to-complaints and slow-to-improve sectors. These entities are not exempt from offering quality services – being a country’s major ‘supplier’ does not excuse bad services and products, nor does having limited funds and being a start-up. As was earlier mentioned, your service feeds another’s service, why would you want to exchange your top-of-the-range service for mediocre service? Consumer News requests your assistance in assessing, with intention to improve, the quality of services offered to you. This forum is missing your voice, let’s hear it.
By Victoria Kangombe E-mail: firstname.lastname@example.org
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he staple items purchased for this story were donated to the Khomasdal School for the Visually Impaired, of whom 72 are children from across Namibia who may not otherwise have access to a quality education. There are currently 96 learners studying at the school with 72 of them staying at the hostel. Approximately 80 per cent of these learners come from rural areas outside Windhoek. This creates many challenges for the school. The school sometimes find themselves in a position where they have to pay for toiletries and clinic fees for these students. Support from the community is welcome. Should community members wish to donate to the Khomasdal School for the Visually Impaired, please contact them on (061) 217 971 or fax (061) 217 978.
Khomasdal School for the Visually Impaired
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Farm Fresh long life milk Salt- Light flow Sugar- Sugar king
Bread- White Brown
Cooking oil Brotchens
Mealie meal- Top score Chicken 1,5 County Fair
Sunlight dish liquid 750ml Omo washing powder 2kg
Potatoes 7kg Rice- Tastic
Tea- Red rose 100 bags Coke 2 liters
Tomato sauce- All gold 750ml
Margarine- Original Rama
300g Macaroni 3kg
Peanut butter Black cat 400g
Mayonnaise 750ml C&B
onsumer protection and the safety of consumer goods is an international concern. Since the attainment of independence for Namibia, there has been a desire to modernise the regulatory system for food safety. International trade is governed by various international trade protocols and agreements that are aimed at ensuring consumer health and safety as well as that of the environment, internationally.
Food & Safety
Namibia became a member of Codex Alimentarius Commission (Codex) in 1999. Codex was established in 1962 to protect the health of consumers and at the same time to ensure fair practices in food trade by promoting the harmonisation of food standards applied by the various members of Codex. The following food safety legislation is applicable in Namibia: o o The Public Health Act, 1919 (Act No. 36 of 1919) The Foodstuffs, Cosmetics and Disinfectants Ordinance, 1979 (Ordinance No. 18 of 1979) o o The Meat Industry Act, 1981 (Act No. 13 of 1981) The Control of the Importation and Exportation of Dairy Products and Dairy Product Substitutes Act, 1986 (Act No. 5 of 1986) o The Prevention of Undesirable Residue in Meat Act, 1991 (Act No. 21 of 1991) o The Local Authorities Act, 1992 (Act No. 23 of 1992)
This does not prevent sovereign states to impose additional health and safety measures in the conduct of national and regional trade due to social and political considerations. State parties to international agreements must put in place and maintain the necessary institutional administrative measures to enhance trade and compliance with these agreements. International trade entails a diverse range of consumer products. These could range from electrotechnical equipment and appliances; building and construction equipment; engineering and transport equipment; textiles and clothing; medical, pharmaceutical and cosmetics products; and food stuffs of animal and plant origins. As such, the regulatory functions aimed at consumer protection should be expected to be as diverse as the trading products itself and not one particular institution should be responsible for the regulation thereof. In the case of Namibia, like many other countries, there are different institutions responsible for the enforcement and regulation of food safety standards. In addition some food safety laws are outdated and need revision and streamlining to conform with international practices and to correspondent with the existing institutional arrangements. Namibia imports most of its foodstuffs and as such proper import control measures must be in place to ensure that only products safe for human consumption enter the market. Namibia became a member of the World Trade Organisation (WTO) in 1995. Membership includes acceptance to abide by the requirements of the WTO Agreements on Sanitary and Phytosanitary (SPS) measures as well as Technical Barrier to Trade (TBT). The WTO Agreement on the Application of Sanitary and Phytosanitary Measures (in short the SPS Agreement), was drawn up to ensure that countries apply measures to protect human and animal health (sanitary measures) and plant health (phytosanitary measures) based on science. The SPS Agreement therefore, incorporates safety aspects of foods in trade.
The Ministry of Health and Social Services is responsible for the administration and enforcement of the Public Health Act, 1919 (as amended). In terms of Section 115 of the Act the Minister may make regulations, amongst others, for prohibiting the importation into Namibia of any article of food which is not clean, wholesome, sound and free from any disease or infection or contamination, and the seizure and disposal by destruction or otherwise of any such article so imported.
For any queries or further information please contact the Namibian Standards Institution on (061) 386 400 or e-mail: email@example.com
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The OneLove campaign wants to get us thinking and talking about our sexual behaviours and the risk of having many sexual partners. This campaign informs people about how to stay safe from HIV by having one sexual partner at a time. The OneLove campaign uses mass media such as radio, TV and print in 10 Southern African countries: Botswana, Lesotho, Malawi, Mozambique, Namibia, South Africa, Swaziland, Tanzania, Zambia and Zimbabwe. Find out more about the OneLove campaign at
In addition to its involvement with the regional OneLove campaign, Desert Soul HDC closely works together with Namibian partner organizations on the national campaign, titled Break The Chain, which also focuses on the reduction of multiple and concurrent sexual partners as an HIV prevention measure. Desert Soul’s book, radio dramas and the regional OneLove TV series will be used nationally by Take Control partners for social mobilization and outreach work with target audiences in various parts of Namibia. A joint initiative by Take Control Partners
GTZ; Intrahealth; C-Change; NASOMA You can support Break The Chain campaign in many ways: • Organize community meeting and talk about sticking to one partner • Form debate clubs and talk about sexual networks • Tell your partner and your friends about Break The Chain • Hold discussions about reducing sexual networks
etting the correct information about your health can be daunting if you don’t have access to the latest technologies, or if you are in remote parts of the country. It can also become challenging if reading in English is not your strong point. This is especially the case when one seeks information about sensitive issues such as HIV prevention, treatment, care and support. Issues related to domestic violence, food security and TB can also be developmental challenges which are difficult to find the correct information about. Desert Soul Health and Development Communication was established for the exact purpose to bridge these kinds of obstacles to gaining valuable information about one’s health. Furthermore, the NGO, which was established in 2008, aims to enable all Namibians to make informed choices about developmental issues in their immediate environment. It is a Namibian non-profit organisation which was previously a project of the Namibia Red Cross Society in partnership with Soul City Institute for Health and Development Communication. It has been producing health related edutainment in the form of radio and TV drama, as well as booklets since 2002. Desert Soul’s focus is mainly on HIV prevention, but the organisation also deals with other contemporary health topics, as identified through an extensive and rigorous research process. One such extensive qualitative research conducted by Desert Soul HDC in 2006 and 2007, forms part of a larger sub-Saharan research study by development partners in South Africa, Swaziland, Mozambique, Malawi, Botswana, Zambia, Zimbabwe, Tanzania, Lesotho and Namibia. This research on multiple and concurrent sexual partners allowed for some insight into the issue of HIV in relation to having more than one sexual partner at the same time. The research findings point to the fact that people have many partners due to lack of communication in relationships, emotional and physical dissatisfaction, culture and social norms, desire for money and material possessions, poverty, gender inequality, alcohol, peer pressure, as well as male domination and abuse. The One Love Campaign is the culmination of all the research done around the topic of multiple concurrent partners (MCP). The campaign, which is implemented in ten Southern African countries, promotes happy fulfilling sexual relationships between two people without the need for other relationships as the societal norm. It reinforces positive behaviours without blaming people who are behaving in risky ways. It role models safer sexual behaviour, and challenges men and women to change behaviour for a happy life. One Love challenges gender stereotypes and cultural norms that reinforce having more than one partner.
One Love Campaign in Namibia The One Love campaign in Namibia is implemented by Desert Soul Health and Development Communication. The main aim of the campaign is to encourage the reduction of sexual partners amongst the general population, in order to facilitate HIV prevention. The launch of Desert Soul’s One Love mass media on the 07 April 2010 was an illustrious event, where the Deputy Prime Minister, Honorable Marco Hausiku officiated. The campaign has been actively implemented in Namibia since September 2009, and Desert Soul’s mass media for the One Love campaign include the following items. • A radio drama with 35 episodes titled Tjitjikutuara Kepembe Kotji, which has been airing on the Otjiherero radio station of the Namibia Broadcasting Corporation between September 2009 and January 2010. It gained popularity amongst the target population as well as some opinion leaders who requested a re-run of the series. • A 40 page booklet which deals with some aspects of multiple and concurrent partnerships. This booklet has been translated into Oshiwambo and Afrikaans, and 300 000 copies were distributed throughout the country between March and May 2010. The booklet is available at clinics, hospitals, New Start Centres, BP service stations, and branches of the Namibia Red Cross Society. Many development NGOs request the booklets for their outreach work. • One stand-alone episode of 24 minutes, which deals with intergenerational sex and open communication between parents and their children. It forms part of the regional series titled Love: Stories in a Time of HIV. The episode titled Against the Odds, was co-written by Vickson Hangula and Marinda Stein. Vickson was the director and Marinda the producer of the film. Some of the main cast includes Armas Shivute and Deidre De Wee in the lead. The training of all the actors was done late in 2009 by renowned South African actor, Jamie Bartlett. The Love Stories were aired from April till June 2010 on Namibia Broadcasting Corporation every Monday at 17h30 with a repeat of the week’s episode on Sundays at 09h30. Desert Soul now embarked on the One Love Talk Show, which discusses the issue of having more than one sexual partner at the same time, and the underlying factors which contribute to this behaviour. The ultimate aim of the radio programme is to engage listeners to assess their own HIV risk perception, and to encourage reduction in sexual partners. The radio magazine programme is interactive, and has views and opinions from the street, an expert interview as well as a human interest story. The One Love Show airs live every Thursday, at 14h00 on Fresh FM, where the listeners can then phone in, send sms or air their views about the topic of the day on Desert Soul’s facebook page. The public is invited to visit the Desert Soul stall in the Lions Hall at the Windhoek Trade and Agricultural Show between 24 September and 02 October 2010 to know more about the One Love campaign.
A scene from Desert Soul’s latest film titled Against The Odds
Service Quality What do We Expect? S
By Jon Allen
ervice quality in Namibia has to be taught, as inherent quality offerings are few and far between. After having treaded on a few toes last month, I have decided to take the easy route in this issue and go theoretical with a little paraphrased help from authors, Larry O’Sullivan, Annekie Brink and Adele Berndt.
• According to O’Sullivan, a service provider’s age, race, gender or religious beliefs has no bearing on it’s clients needs, but a positive attitude, helpful demeanour, humility, knowledge, reliability and interest shown, are the key expectations of clients the world over. As the best providers of service, managers/owners need to know what the needs, priorities and expectations of the client are; need to think like the client and understand (and care) what it is the client wants or expects. The definition of service quality, according to Brink and Berndt is ‘the ability of an organisation to determine correctly customer expectations and to deliver the service at a quality level that will at least equal those customer expectations.’ This places the onus on organisations to consciously ascertain these expectations and care about them so as to adequately deliver. Brink and Berndt go on to say that ‘service quality, as perceived by the customer, is one of the components that would influence the satisfaction of the customer’. O’Sullivan expands on this thought and says ‘it boils down to how and why you give. If we give, expecting – or demanding – that we will get something in return, is this not, in essence, bartering with or playing off nature? If you are compelled or forced to give (as many of our client service representatives in Namibia appear to be), the spirit or chemistry of your ‘service’ or approach will be missing. It will all seem shallow and insincere. But on the other hand, if you give lovingly, caringly and because you want to, it will be picked up by the recipients. They will sense the empathy, passion and sincerity you emit. It’s one thing to give because you have to, but it’s another thing altogether to give because you want to’. This appropriately leads us to what I wanted to briefly expand on in this article; being some dimensions of service quality, according to Brink and Berndt again, based on findings from exploratory and quantitative studies, which use to assess service quality, thus becoming the aspects those of us offering services to customers, need to focus on and improve: •
Reliability – focussing on delivering on the promises made by the organisation. Customers will perceive the organisation as failing on their promise if this is not achieved. Responsiveness – this illustrates the willingness to help, and touches on the speed of delivery too, as promptness is an indicator of responsiveness directly. Assurance – covers the knowledge and courtesy of employees and their ability to convey trust and confidence. Empathy – this much spoken-about aspect (usually takes up an entire session in training) revolves around confirming for the customer that their unique needs and requirements will be met. It deals with convincing the customer that their needs are un derstood. Tangibles – this is the physical stuff; the facilities, the products and so on.
This proven list of customer expectations are not applicable in the US, Europe or South Africa exclusively, but are most relevant in Namibia too. Or what do you say Namibia? Are our needs any different?
Creating Opportunity, Changing the Face of Customer Service
Contact: Jon Allen Tel: +264 61 400 910 Fax: +264 61 400 912 Cell: +264 81 140 5026 E-mail: firstname.lastname@example.org
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Saving energy in your home
INDOORS • Heavy curtains that are light in colour keep rooms cool. Closing curtains during the evening insulates the home during the winter. • Sealing doors, windows, fireplaces and skylights prevents draughts. • Switch off lights when they are not needed. • Compact fluorescent lights (CFLs or low-energy bulbs) use 80% less energy than ordinary light bulbs Ironing • Iron low temperature fabrics first to reduce the warm up time. • Iron large batches of clothing at one time to avoid wasting energy reheating the iron. • Use only distilled water in steam irons to avoid mineral build up. Kitchen • Switch off the oven hotplate and iron a few minutes before you need to stop using them - they will still be hot enough to use. • Connect the dishwater to a cold water supply; it will heat up the water when it needs to. • Use pots with flat bottoms and tight fitting lids. • Heat small pots on the small stove plate and large pots on the large plate. • Use a pressure cooker to conserve energy when cooking foods that take a long time, such as stews. • Do not use the grill to make toast; use a toaster it is cheaper. • Do not use the stove to heat the kitchen; a heater is cheaper. • Use an electric kettle to boil water instead of the stove. Only fill the kettle with as much water as you need to use. • It is more economical to use the fridge to defrost your food than using the microwave. • Use cold water to rinse off vegetables. • Allow food to come to room temperature before putting it in the fridge. • Do not open the fridge door needlessly. SMALL APPLIANCES Using small kitchen appliances instead of the stove can save energy. Toasters, electric grill, slow cookers, electric coffee machine, electric kettle, all use less energy than the stove. When vacuuming, empty or replace the dust bag frequently to be more energy efficient. Geysers and hot water • Dripping hot water tap can cost as much as N$330 in a year! Fix the drip! • The recommended geyser temperature is 50-60 degrees C. • Wrapping your geyser in a geyser blanket can reduce heat loss and uses less energy to maintain the water temperature. • Insulating hot water pipes can reduce heat loss and allows for quicker hot water delivery. • A solar water heater eliminates conventional geysers completely and retains heat for prolonged periods without direct sunlight. • Have a shower instead of a bath - you will use less hot water and put less strain on your geyser. Outdoors • Pool pumps are heavy on electricity consumption. Get a pump timer and reduce the pump running time. • Roof and ceiling insulation reduces the amount of heat getting in during the summer and reduces the amount of heat lost in the winter. Winter heating • Under floor heating is the most ineffective way to heat a home. It is a waste of energy. • Wall mounted heaters are generally quite small and have to be left on for a long time to make a difference. • Infrared heaters are efficient; they will warm the people in the room rather than the space. • The most effective and safest heaters for the home are either an oil heater or a 2-kilowatt fan heater, both with thermostat which switches the unit on and off as required. • It is cheaper to use an electric blanket in your bed than to use a room heater. Contact ECB at: Tel (+264 61) 374 311 Fax (+264 61) 374 305 www.ecb.org.na
Manage Your Money
By Namibia Consumer Protection Group
The workshop is held on the last Friday of every month starting at 10H00 until 12H30. The workshop is presented at Shop 29, Old Power Station, Armstrong St, Southern Industrial Area, Windhoek. The organisers hope to guide participants in recognising the warningsigns of an approaching credit crisis before it is too late. The workshop will offer a variety of financial services that can help citizens reduce their debts. Topics to be discussed at the workshop include debt consolidation and how to increase available cash. The workshop will include a short introduction on how to become a debt counsellor. Consumers wishing to attend the workshop can contact the NCPG on (061) 222 236 to make a booking. The following is a short overview of the course. Money making is about your attitude To manage something you must understand what it is. This means you understand that your financial situation is not how much you earn, rather it is about your attitude to your money and your future. There are five main beliefs or principles that relate to everyone, no matter how much they get paid. If you follow these guidelines, you will discover how simple sound money-management really is. What is your Vision? What is your Plan? To save money is not easy. Most of us know that no matter how much we have to put away, an emergency always crops up and we “need” to use this money. You need to set a clear vision of your goals and this will help you to stick to your plan. The first thing is to write down a description of your goals (or draw your dreams). When you do this, you need to add as much detail as possible. Creating your future in this way will force you to pinpoint what you are aiming for. This vision must also be SMART (Specific – Measurable – Achievable – Realistic – Time bound)
Do you want to stop worrying about your debt? o help consumers reach their financial goals, the Namibia Consumer Protection Group (NCPG) presents a free halfday workshop on “Keeping Debt Under Control: Tools you can use.”
Once you have identified where you want to be, you need to identify your short- and medium- and long-term goals. • Short-term: what you want to achieve in the next two years • Medium-term: what you want to achieve within 2-5 years • Long-term: what you want to achieve that will take between 5 to 30 years Once you have identified these goals, you have to break them down into more detail and identify the specific tasks you need to carry out to reach each one. How to develop a Plan Step Step Step Step Step 1: Know your goals 2: Research your goal 3: Take a reality check 4: Prioritise your goals (Ranking) 5: Plan your savings
Regular Reviews As you start achieveing your goals, you will find that you need to reassess and update your vision. You will probably find you need to develop new goals to match your new earning potential. There might also be changes in your life that make your change your goals – for example getting married or the birth of a child.
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Telecom Namibia broadband packages
Telecom Namibia fixed broadband options (WiMAX & ADSL) are complete broadband services with high-speed service, unlimited downloads, and much more. Telecom Namibia’s broadband Internet service provides you fast download at varying speeds, so you can get everything the Internet has to offer, including downloading music, videos, playing online games and doing research. Telecom Namibia provides a range of choices on various fixed broadband options, both broadband on its own or with an added service of a home phone line.
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Our broadband Internet service is fast, reliable and affordable. You can talk and surf at the same time. Our broadband Internet service offers speeds from 192kbps to up to 8Mbps. Below are our fixed broadband packages and plans. You can Telecom Namibia wants to make the Internet accessible to choose any plan that suits your pocket. For those customers who everyone. With our latest freebees, we want to allow our prefer to have this unlimited benefit on mobile broadband, we are Internet customers to connect without fear. Whatever time they offering it for N$999 with free email. spend connected, they pay less.
Kindly be informed that Telecom Namibia is compiling its new Kindly be informed that Telecom Namibia is compiling its new 2009/10 directory. 2009/10 directory. In order to ensure the accuracy of entries in the new directory, In order to ensure the accuracy of entries in the new directory, Telecom Namibia requests all Medical Service Providers, as well Telecom Namibia requests all Medical Service Providers, as well as Government Ministries, Agencies and Departments to provide a as Government Ministries, Agencies and Departments to provide a correct and complete list of all telephone, facsimile, cellular phone correct and complete list of all telephone, facsimile, cellular phone entries or any other relevant information they would like printed in entries or any other relevant information they would like printed in the new directory. the new directory.
Uncapped Packages 192k 256k 384k 512k 768k 1024k 1536k 2048k
4x Data, 3x POTS,
4x Data, 3x POTS,
4x Data, 3x POTS,
WIFI, USB, 1x
4x Data, 3x POTS,
WIFI, USB, 1x
4x Data, 2x POTS,
4x Data, 2x POTS, DECT 2048k
2x POTS 1
2x POTS, 1
WIFI, USB, 1x ISDN, 384k
WIFI, USB, 1x ISDN 512k
WIFI, USB, 1x ISDN, DECT 1536k
WIFI, USB, 1x ISDN,
Number of email addresses Web space (MB) CPE Fax2Email Numbers
50 1x Data, 1
50 1x Data, 2
50 4x Data, 3x POTS, 2
100 4x Data, 3x POTS, 2
2x POTS 1 1
2x POTS, 1 1
WIFI, USB, 1x ISDN, 1
WIFI, USB, 1x ISDN 1
Number of Voice/Fax Numbers Number of email addresses Number of concurrent voice calls Web space (MB) Fax2Email Numbers
Uplink (kbps) Data Volume
1 4x Data, 3x POTS, 100 WIFI, USB, 1x 1 ISDN 3 1 100 1
1 4x Data, 3x POTS, 100 WIFI, USB, 1x 1 ISDN 5 1 100 1
200 4x Data, 2x POTS, 5
WIFI, USB, 1x ISDN, DECT 1
1 4x Data, 2x POTS, 200 WIFI, USB, 1x ISDN, 1 DECT 5 1 200 1
Number of Voice/Fax Numbers
On-net voice minutes
Number of concurrent voice calls
Monthly Charge (12 months) Data Volume Monthly Charge (24 months) Uplink (kbps) Monthly Charge (36 months) On-net voice minutes
Rates are VAT exclusive
30 1 N$ 499 Unlimited N$ 399 128 N$ 349 30 N$ 499
30 1 N$ 749 Unlimited N$ 599 128 N$ 549 30 N$ 749 N$ 599
30 1 N$ 899 Unlimited N$ 699 128 N$ 649 30 N$ 899 N$ 699
50 1 N$ 999 Unlimited N$ 849 192 N$ 749 50 N$ 999 N$ 849
50 2 N$ 1,199 Unlimited N$ 999 256 N$ 949 50 N$ 1,199 N$ 999
50 3 N$ 1,449 Unlimited N$ 1,199 384 N$ 1,149 50 N$ 1,449
100 3 N$ 1,949 Unlimited N$ 1,649 512 N$ 1,599 100 N$ 1,949
100 3 N$ 2,399 Unlimited N$ 2,049 512 N$ 1,949 100 N$ 2,399 N$ 2,049
Notes: Monthly CPE included Charge (12 months)
Monthly With WiMAX only 3 data Ports are available Charge (24 months) N$ 399 Monthly Charge (36 months) N$ 349
Installation charges: N$222 within MRA and N$ 333 outside MRA
Notes: CPE included Rates are VAT exclusive With WiMAX only 3 data Ports are available Installation charges: N$222 within MRA and N$ 333 outside MRA
4x Data, 3x POTS, WIFI, USB, 1x ISDN
4x Data, 3x POTS, WIFI, USB, 1x
4x Data, 3x POTS, WIFI, USB, 1x
4x Data, 3x POTS, WIFI, USB, 1x
4x Data, 3x POTS, WIFI, USB, 1x
4x Data, 2x POTS, WIFI, USB, 1x ISDN,
4x Data, 2x POTS, WIFI, USB, 1x ISDN,
4x Data, 2x POTS, WIFI, USB, 1x ISDN,
2x POTS 2
Uncapped Packages Number of email addresses
Web space (MB) CPE Fax2Email Numbers Number of Voice/Fax Numbers Number of email addresses Number of concurrent voice calls Web space (MB) Fax2Email Numbers
Uplink (kbps) Data Volume
50 1x Data, 2 2x POTS 2 1
100 4x Data, 3x POTS, 2 WIFI, USB, 1x ISDN 2 2
4x Data, 3x POTS, 100 WIFI, USB, 1x 2 ISDN 2 2 100 2
4x Data, 3x POTS, 100 WIFI, USB, 1x 2 ISDN 2 2 100 2
4x Data, 3x POTS, 100 WIFI, USB, 1x 2 ISDN 3 2 100 2
4x Data, 3x POTS, 100 WIFI, USB, 1x 2 ISDN 3 2 100 2
4x Data, 2x POTS, 200 WIFI, USB, 1x ISDN, 2 DECT 5 2 200 2
4x Data, 2x POTS, 200 WIFI, USB, 1x ISDN, 2 DECT 5 2 200 2
4x Data, 2x POTS, 200 WIFI, USB, 1x ISDN, 2 DECT 5 2 200 2
Please contact us on or before 20 March on the following numbers: Please contact us on or before 20 March on the following numbers: Ms Gille (061) 201 2660 Ms Gille (061) 201 2660 Ms Mathys (061) 20 12231 Ms Mathys (061) 20 12231 Ms Beukes (061) 201 2451 GET a Telecom Namibia broadband Internet service and be assured (061) 201 2451 Ms Beukes for a fast, reliable
Number of Voice/Fax Numbers
On-net voice minutes
Number of concurrent voice calls Monthly Charge (12 months)
Data Volume Monthly Charge (24 months) Uplink (kbps) Monthly Charge (36 months) On-net voice minutes
1 N$ 649 Unlimited N$ 599 128 549 N$ 50 N$ 649
1 N$ 849 Unlimited N$ 799 128 699 N$ 60 N$ 849
1 N$ 1,099 Unlimited N$ 899 128 849 N$ 60 N$ 1,099 N$ 899
1 N$ 1,349 Unlimited N$ 1,099 192 N$ 1,049 60 N$ 1,349
2 N$ 1,549 Unlimited N$ 1,349 256 N$ 1,249 60 N$ 1,549
2 N$ 2,049 Unlimited N$ 1,799 384 N$1,699 100 N$ 2,049 N$ 1,799 N$1,699
3 N$ 2,549 Unlimited N$ 2,199 512 N$ 2,149 100 N$ 2,549
3 N$ 3,549 Unlimited N$ 3,099 768 N$ 2,999 100 N$ 3,549
3 N$ 4,599 Unlimited N$ 3,999 768 N$ 3,949 200 N$ 4,599
Monthly Charge (12 months) Rates are VAT exclusive Monthly Charge (36 months)
Notes: CPE included
Monthly Charge (24 months) N$222 within MRA and N$ 333 799 N$ 599 N$ outside MRA Installation charges: N$ 549 N$ 699
With WiMAX only 3 data Ports are available
* Free Standard website Template - Monthly charges for web hosting as well as development of websites are charged additionally
Notes: CPE included Rates are VAT exclusive With WiMAX only 3 data Ports are available Installation charges: N$222 within MRA and N$ 333 outside MRA * Free Standard website Template - Monthly charges for web hosting as well as development of websites are charged additionally
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“SoIdevelopedaframeworkthatenabled me to speak about poverty in a way that madesensetome,placingmyexperiences at the centre, rather than the deviant experiences or the norm. The model I developedcanbeappliedtootherthings andnotjustmaterialpoverty,including povertyintermsofpsycho-socialsupport in institutions and society."
rtistswithintheSouthernAfricanregionaretacklingtheproblem ofpovertyhead-ontofindsolutionsthroughregionalintegration. Onesuchartist,renownedZimbabweanauthorTsitsiDangarembga,wasrecentlyinNamibiawheresheconductedalectureaddressing poverty through her short films. Havingstudiedherfirstbook,NervousConditions,asaliteraturetextin highschool,IwasexcitedthatIwouldfinallymeet,letaloneinterview,one
ofAfrica’sfinestauthors.AsmiddayapproachedonSaturdaythe21stof Augustandasshewalkedtowardsmytable,Icouldhaveswornmyheart skippedabeat,Iwasnervous!TsitsiDangarembga?NervousConditions? AswesettledintotheinterviewIcouldeasilypickupthewarmthandintelligencethatshecarriesaroundher.Havingtravelledextensivelyandbeingwidelyread,thiswasactuallyherfirsttimeinNamibia,soIaskedher firstimpressions."I'mamazedthatacountrywithsuchaninfrastructureis thinking regional" Says Dangarembga.
Photograph: Leitago Narib
One One 1 on1 with Tsisti
"Part of that is because the arts have been neglected so we don't have a cultureofengagingartasadiscipline.Wehaveacultureofengagingartasa performance and entertainment, but not as discipline.
By Lynette Magaramombe
CN: What did you speak about on poverty? TD: "I don't work in development, I work in Art, and I work in Films, so I hadtocomeatitfromsomeanglethatmadesensetome,fromthatsector.Mybackgroundacademicallyisinpsychologyandthishasinfluenced filmtheory;Ihavebeenreadingalotoffilmtheoryaboutpositioningof subjectsonnarrativeandlookingatpoverty,thoseideasseemtocome together.TherewasnopointinfindingtheStateoftheWorldreportand justsummarisingitbecausepeoplehaveprobablyreaditforthemselves. SoIdevelopedaframeworkthatenabledmetospeakaboutpovertyina waythatmadesensetome,placingmyexperiencesatthecentre,rather thanthedeviantexperiencesorthenorm.ThemodelIdevelopedcanbe appliedtootherthingsandnotjustmaterialpoverty,includingpovertyin terms of psycho-social support in institutions and society." CN: So who is Tsitsi Dangarembga? TD: "Generally what you see is what you get. I'm somebody with very broadinterests;Idon'tliketobeboxedintooneparticularcategory.Ilike toengagewithwhateverpresents,andIthinkIhaveaproblemsolving natureandthatmeansIdoneedtotakealotfromtheenvironmentaswell in order to see how challenges may be addressed." Dangarembga,whoisstillbasedinZimbabwe,saysthat,atthemoment, povertyisextreme."Ipersonallydon'tknowhowpeoplearemakingends meet.Althoughyoudohavetheformaleconomyandtheinformaleconomy,soIthinkpeoplewhoaretappedintotheinformaldohavemeansof survival. But it's pretty bad." CN: Are there any immediate solutions to this? TD:"Theimmediatesolutionisobviouslyinthepoliticalrealmwhichneeds tostabilise.Weneedtoensurethatthepeacewehaveprevails,andthen wehavetoworktowardsapropertransition.AndatthemomentIthink thattherearegenuineeffortsfrombothquarterstomakethathappen. AndsoIhopethatwewillrisetothechallengebecausechallengesthat presentthemselvesaregoingtochangefromminutetominute.SoIhope thatresolvewillremainsteadfastasthosechallengeschange.Sothereis stability, but it has to move forward into a different paradigm I think.” CN: What about the culture of reading in Africa? TD:"Zimbabwestillhasacultureofreading.Eventodayyouseesecond handnovelsonthestreets.Youfindpeoplereading,waitingforturnsinthe doctor'soffice." DangarembgawasrecentlyinNigeriateachingcreative writingworkshopsandaddsthat"IreallydidobservethattheNigerians haveahugecultureofreadingaswell.Maybemorethanwedo.Onthe planebetweenAbujaandLagosforexample,about50%ofthepeople werereading,thatwasamazing.SoIthinkthereisacultureofreadingin manyAfricancountriesbutthisperhapsisnotcelebratedenough,andone oftheproblemsisthatwedon'thavealotofourowncontentthatreaches thepeopletoinformthemaboutourownissuesandIthinkitisaresource we need to capitalise on." CN: Tell me a bit about your first book, Nervous Conditions TD:"BeingayoungwomaninZimbabwe,havingtocreatethespacefor myselfinaculturalcontextthatdidnotcreateformethespacesIwanted tohave.Andthinking,takingstockofthat,whatdoesthismean?Whyisit
likethat?Shoulditbelikethat?AndcomingtoadecisionthatIdon'tthink itshouldbelikethat.Sowhatcanonedo?Whatintervention?RememberinghowstronglyliteratureimpactedonmewhenIwasgrowingup,and thinkingwhatliteratureisavailableforotherZimbabweangirlchildrenwho mightfindthemselvesinthesamepositionasmyself.Isthereanythingfor them?Probablynot,andsoinventingtofillthatgap,that'sprobablyhow Nervous Conditions basically came about." CN: What are some of the challenges you faced during the actual writing of the book? TD:"Fortunately,atthetimeIhadaplacetowriteinbecauseasawarden on campus, I had my own room. However, the biggest challenge even todayisalackofanartscommunityinZimbabwe.Wehavemanypeople doingmanydifferentthingsinthedifferentdisciplines,butthey'realllittle islandsjealouslyguardingtheirturf.Thereisnotreallyanywherewhere yougowithyourworkandyousitdownandhaveadiscussionaboutthe necessaryaspects. Peopledon'tasfarasIcantell,engageatthatlevel." CN: Why is this so? TD:"Partofthatisbecausetheartshavebeenneglectedsowedon'thave acultureofengagingartasadiscipline.Wehaveacultureofengagingart asaperformanceandentertainment,butnotasdiscipline.Ithinkforme thishasbeensomethingthathashinderedmycreativedevelopment,and thisisprobablywhyalotofpeoplechoosetoliveoutsidebecausethere they can live in a space where art is discipline." CN: How are women viewed in the industry? TD: "As far as I'm concerned there is no space for a woman to act as a woman. You always have to be a woman attached to a man. This has been my experience" CN: How do you counter this attitude? TD:"Experienceandtalkingtootherwomen.It'snotonlyintheArtssector. In the Business sector also." CN: We are a consumer magazine so we must ask a question on behalf of consumers. Looking at consumer issues, do you agree that Africa is a dumping ground for sub-standard products and services from abroad? TD:"It'sdifficulttotakethatcomparativepositionbecauseifI'minZimbabweconsumingthis,I'mnotoutsideconsumingthat,soitbecomes difficult.However,Ihavereadsomemanagementbooksthatsayit'sactuallystandardmanagementpracticetodumpinAfricaandit'staughtasa method of getting rid of excess stock. So possibly, yes." CN: What does the future hold for you? Tsitsi,whosayssherecentlyhadadialoguewiththefuture,saysshewas toldthatanotherbookisloominginthehorizon.Ontopofthat,"Oneof myprioritiesistohaveaveryhighstandardArtsEducationInstitutionin Zimbabwe." ListeningtoTsitsiDangarembga,Iaminspiredasweroundofftheinterview. I guess the saying is true after all, the sky is the limit.
Namibians supporting Namibians
he Namibia Business Drive was created to give business owners and managers time to explore new and exiting opportunities that they never would have otherwise. It is a unique opportunity for decision makers to meet each other and explore synergies, marketing opportunities and various services on offer that would never have occurred in a regular business setting. The relaxed nature of this platform gives guests the leisure and time to really get to know one-another. This creates a forum for decision makers and the business fraternity of Namibia to network directly with each other which results in great relationships and deals beneficial to all. The Namibia Business Drive is an event held twice per year in Windhoek during the months of February and August. During these events, owners and decision markers of companies are invited by the different Organising Business Partners to attend the NBD event. Organising Business Partners sponsor invited clients, VIPs and provide the entertainment. On the last day of the event lucky draw prizes are awarded to various
business people present. All prizes drawn are sponsored by businesses participating in the event to benefit business economic growth in Namibia. This initiative is currently driven and sponsored by 15 Organising Business Partners; Labour Skill Solutions, First National Bank, Starlite Wholesale, Starlite Retail, Energy 100 FM, G4S Group 4 Securicor, Who’s Who of Namibia, Billboard News Press, Bonlife, Business Risk Solutions, Karnic Distributors, Aqua Angel, IT.Com, Kanaal 7 and Greg’s Motor Spares. Even though Namibia is a small player in the international arena, The Namibia Business Drive is of the opinion that Namibia is capable of providing any required service or product whereby businesses can contribute to eradicating the high levels of unemployment in the country and compete on the world stage. Contact the organisers to join the Namibia Business Drive and discover the opportunities that await you and your business.
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By Rob Parker
pay day loan refers to what is typically a short-term loan for a small amount of money charged at a high rate of interest. This loan is designed to carry the borrower to the next pay cheque. The borrower has to prove that they have a steady source of income, usually in the form of a pay-slip from their job, and they also provide the lender with some form of collateral, such as a post-dated cheque. Some cash loan outlets are known to hold onto your bank card and to even ask for your P.I.N number. You should never give your card and secret code to anyone. Pay Day loan companies have been controversial from their inception. They offer banking services for those who do not qualify for traditional banking services, for any number of reasons. Some people do not have valid identification or perhaps they have a poor credit rating. Many lenders take advantage of this population whom the big banks neglect and offer them high interest loans. Pay day loan companies tend to be located in lower income neighborhoods and cater to consumers whom are having trouble making ends meet, people whose paycheck does not stretch. These people sign up for short-term fixes; a loan which will carry them to the next payday. But these loans come at a cost, they tend to be charged at a very high rate of interest, and if you, for any reason, fail to pay them back immediately then you can find yourself borrowing more money from them; this is called a rollover. Due to the high rate of interest consumers may find that they are constantly needing to take payday loans to pay off their previous loans. It is for this reason that these cash loan companies are detrimental to the poor. Some of the problems that can arise with a payday loan are: • The loan term is short and is often not enough time to save the money needed to repay the loan in full. • If the loan cannot be paid back in full at the end of the term, it has to be renewed, extended, or more money has to be borrowed to cover the first loan. Fees are charged for each transaction. • The interest rates that are charged are very high – some times 400% or more. • If the lender deposits the check to repay the loan and there are insufficient funds in the borrower’s account, the borrower is hit with even more fees for insufficient funds and still owes the mount of the loan to the lender. Some people turn to the internet for help, but while there are problems with pay day loans companies, the internet options make them seem downright wholesome. Your typical cash loan lender at least has an office, a landline and you can actually meet the people involved; in other words you have some method to track and find them. Internet lenders, on the other hand, can hide their identity, fake their location and close up shop overnight. Many internet scam operators do just that. They put up a website, fleece consum-
ers and then close the site and re-open under a new domain name and start the process all over again. There is a very helpful website for consumers known as scammeralert.com which checks out scams on the web from work-athome schemes to pay day loans. The site’s owner checks out these sites individually. When he investigated cash loan websites he found that, out of 54 pay day loans companies investigated, only 4 were actually legitimate lenders. Of these sites none required you to fax them your personal information- which is a very good sign. Consumers should never send their banking and personal details unless you completely trust the recipient and we advise that you should exercise extreme caution when dealing with any cash loans business. http://www.scammer-alert.com/payday-loans.html http://www.banking.state.ny.us/brdl.htm
By Staff Reporter
TheNPLreceivedN$4,3millionfortheiractivitiesfromMTClastseasonand theamounthasbeengrowingovertheyears,withmorefundingalsoexpected from other co-sponsors this season.
hedomesticMTCNamibiaPremiershipstartsonSeptember10th with a total of 12 teams vying for the coveted title which carries a prize-tag of just over half a million dollars.
SPONSORHIPS MobileTelecommunicationsLimited(MTC)havecommittedN$5,3million totheactivitiesofthePremiershipthisseason,buttheChiefExecutive OfficeroftheNamibiaPremierLeague(NPL),MatthewHaikalimaintains thattheamountstillneedstobeconfirmed."Therearediscussionsonthe issue,butthatistheinitialamountthatweexpectfromoursponsors,"he said. TheNPLreceivedN$4,3millionfortheiractivitiesfromMTClastseason andtheamounthasbeengrowingovertheyears,withmorefundingalso expected from other co-sponsors this season. Haikali,alongsidethechairmanofthePremiership,JohnnyDoeseb,believethat asolesponsorship isnot enoughinmodernfootballandare currentlyonthevergeofsecuringmoresponsorstobringtheirweightto the game. "The game of football has evolved rapidly over the years and it has becomeabusiness.Itisinevitableforustosourcesponsorshipandmaterialsupportfromelsewhereratherthanonlyourcurrentsponsors,"said Doeseb. MTCiscurrentlythebiggestsponsorofmajorsportingcodesinthecountry and spends in excess of N$50 million per annum. Atthemoment,mostclubsinthePremiershiphavealreadyacquiredoffice spaceandhavededicatedofficeadministratorstoensurethattheclubs arerunalongprofessionallines,whiletherehavealsobeenmajorfinancial injections from their respective sponsors.
TheopeninggameofthenewseasonwillseeOrlandoPiratestakingon CivicsattheSamNujomaStadiuminWindhoek,whiledefendingchampionsAfricanStarswillstarttheircampaignagainstcoastalsideBlueWaters at the same venue the next day. Thenewseasonalsoseesanothercoastalside,BlueBoys,enteringtop flightfootballafterbeingpromotedfortheirfirsttimeintheir52-yearexistence. TheSwakopmund-basedsideplayedtheirfootballinthelowerleagues, especiallythefirstdivisionandwillbethe'newkidsontheblock',alongsideMightyGunners,whoalsogainedpromotionrecently.MightyGunners,a teamthatmostly consists of soldiers doing duty for theNamibianDefenceForceatthe4thArtilleryBrigadejustoutsideOtjiwarongo, regainedentryintothePremiershipthisseasonaftertheywererelegated during the 2008/2009 season. Blue Boys will open their account in the elite league for the first time against Ramblers inWindhoek, while Gunners will lock horns against northernneighboursOshakatiCityattheUukwangulaStadium,about10 kilometres west of Oshakati. For Blue Boys, like Mighty Gunners, it will be an equal affair as both OshakatiCityandRamblersdidnotfarewellintheleaguelastseason.Ramblersendedtheleaguein10thplacewhileCityheldtheninthspotoverall in the championship that was scooped by Stars in the end.
Atthemoment,sixclubs;Tigers,OrlandoPirates,BlackAfrica,ElevenArrows,AfricanStarsandOshakatiCityarecurrentlyreceivingannualsponsorshipfromFirstNationalBank(FNBNamibia)whichrangesbetween N$230 000 to N$300 000 per season per club. Themoneyhelpstheteamsmeettheirleagueobligationsandlaoshelps them to compensate their players during the season. PLAYER TRANSFERS Therehasbeenminimalmovementonthetransfermarketthisseason with the leading teams not making major changes to their line-up. Currentchampion,AfricanStars,whichhaswonthetitleback-to-backwith coachBobbySamaria,havelosttwooftheirkeymidfieldersinQuinton Jacobs and Rudi Louw. Louw joined his childhood club Black Africa, while Jacobs was still not contracted before this edition went to print. Starswontheleaguewithatotalof44points,followedbyPiratesinsecondon42,butthelatterwillfaceanuphillbattlethisseasonasthebulkof their players have resigned. The ones that have jumped ship at Pirates include BraveWarriors firstchoicegoalkeeper,AthielMbaha,whilemidfielders,JohannesSeibeb, Klaas Blom as well as defenders, Steven Goagab and Enrico Afrikaner also resigned. GoalkeeperHeribertKapengalsoresigned,leavingthe‘Buccaneers’with askeletonstaffofvirtuallyyoungsterswhowillbeexpectedtostepupto the task. Othersidesthatalsolostsomeman-powerincludeCivics,whichlostmidfield-cum-striker,BradleyWermannaswellasstarstriker,PineasJacob. WermannjoinedBlack Africa, while Jacob was still clubless beforethe end of August. Black Africa ended third in the league last season and they have a balancedsidewithahostofcreativemidfielderswhichincludeLouw,WermannandBrianBantam,whiletheirstriker-forcestillremainsintactwith their chief predators, Jerome Louis and Roger Katjiteo still around. TheTigerswhoendedfourthlastseasononlylosttheirkeyfrontmanin TangeniShipahuwho,abouttwomonthsago,joinedSouthAfricanPremier Soccer League side, Amazulu. Ramblerslosttrickystriker,EusobioFredericks(stillclubless),whileSport KlubWindhoek(SKW)partedwayswithEdwinKorokuhewhojoinedStars. Starswillonceagainremainthefavourites,butwillfacestrongcompetitionfrom,especiallyBlackAfrica,ElevenArrows,TigersandCivicswho areextremelyunpredictabledespitetheirerraticformattimes.Theleague season is expected to end on May 21 next year.
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