A destination that will take your breath away. M. Mudau – Harvest Group CEO Private Sector Salaries Homophobia in Africa V. Nti – Charter Quest Group CEO How to quit the Rat Race
R2 9 , 9 5
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WINNERS OF BEST COMPANY GHANA SA AWARDS 2015
All Danquah CC is the winner of the best company in the large companies category of the recently concluded 2015 Ghana Awards in South Africa. All Danquah CC is the brainchild of Mr. Kwabena Danquah, ranked the 18th richest person in Ghana in 2015 by Goodman AMC. He fell in love with South Africa during his first visit in 1999 and ventured into different businesses other than that of the steel industry he had refined to a growing success story in Accra-Ghana. His passion for architectural renovations of buildings soon became very profitable as he acquired buildings and turned them into commercial and residential units. He also ventured into a steel business by acquiring a factory in Vanderbijl Park which he registered as Comet Steel (Pty) Limited. All-Danquah's tranquil new Guest Lodge in Edleen, Kempton Park came to life in February 2012 as well as a cosy sitdown restaurant with ample space for 40 people. The Conference facility can host up to 60 delegates and caters for the most discerning of clients.
DANQUAH GUEST LODGE
A company based in Vanderbijl Park dealing in the production and distribution of steel products.
A private guest lodge situated at No 15 Garingboom Street, Ext 5 in Edleen Kempton Park a stone's throw away from the OR Tambo International Airport in Gauteng South Africa.
A vision of warehouse stores filled with a wide range of products at the lowest prices with trained associates giving absolutely the best customer service in the industry.
All Danquah Head Office is situated at #2 Cypress Street, Cnr Willow Street, Kempton Park 1619, Gauteng South Africa. It is one of the leading Property Management Companies in the East Rand with properties covering three quarters of Kempton Park CBD.
All Danquah Head Office Tel: 011 975 5006 E-mail: email@example.com Website: www.alldanquahcc.co.za
All Danquah Guesthouse Tel: 011 393 6583 firstname.lastname@example.org
All Danquah Hardware Tel: 011 384 5024 44-46 West Street Kempton Park email@example.com
Comet Steel Tel: 016 986 2240 E-mail: firstname.lastname@example.org Website: www.cometsteel.co.za www.theafricanpro.com
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TABLE OF CONTENTS
10 M. Mudau - CEO of Harvest Group 14 Victoria Falls feature 18 Money transfers to M-pesa/Ecocash 19 Valentine Nti - Charter Quest Group CEO 22 Homophobia in Africa
25 Hefty salaries in the private sector 28 How I quit the rat race 31 Consequences of a dreaded disease 34 Jaguar XE 38 Inside Home Affairs 41 Book Review 43 Mamoyo: Whose right is it anyway? 45 Peprah: Why I don't suppor the Springboks 48 Ghana Awards South Africa 2015 51 Zimbabwe Achiever Awards 2015 Photo credits: Shutterstock.com (Pages 23,25,29 & 48) Mediaclubsouthafrica.com (Pages 39,43 & 45) www.theafricanpro.com
WHAT’S A HOLIDAY WITHOUT A DESTINATION? cover that bears the powerful image of a destination rather than the usual portrait of a featured African professional. I only hope I did justice to the article about the Victoria Falls - a destination I will never forget and my personal recommendation for a holiday destination. For those going to ‘Romania’, I recommend getting out of the house as much as possible. Africa, unlike England, has wonderful weather and we increasingly have more and more recreational centres worth frequenting.
recently asked a close friend where he and his wife were going to spend the upcoming holidays.
“We’re going to Romania!” his wife responded without hesitation. They spent a few minutes thereafter laughing uncontrollably before letting me in on the joke which they had heard on a local radio station. It turns out ‘Romania’ is an intentionally misleading play on the words ‘Remain Here’ , a recommended response for anyone without travel plans but wishing to sound exotic. Indeed holidays are best spent in a relaxing environment away from your regular station. It undoubtedly takes one’s mind away from the concerns that are part and parcel of one’s surroundings. I understand for those in England they work hard through the year to save up enough money to go away in December. In this issue, we continue our streak of breaking new ground by carrying a
While indoors, we hope you will take the time to check out what we have in this quarter’s issue of the magazine. Read about one of the Top 35 under 35 chartered accountants in South Africa Martin Mudau. An additional profile in this issue is that of Valentine Nti, a Cameroonian national who has endured much tribulation in his road to forming a financial institute that has achieved global recognition. We serve up several commentary pieces including a look at homophobia in Africa, a discussion on whether hefty private sector salaries are justified, advice on how to quit the rat race and the frightening consequences of contracting a dreaded disease. In addition, our regular columnists give us their contributions and we also look back at the recent award ceremonies held by the Zimbabwean and Ghanaian communities. KC ROTTOK Managing Editor of African Pro Twitter: @africankc www.theafricanpro.com
Publisher: The Proud African Professional (Pty) Limited Reg. Number: 2010/012428/07 10 Madison Square, 195 President Fouche Drive, Randburg Republic of South Africa Tel: 011 251 6325 www.theafricanpro.com Director: Carol Malonza – email@example.com Twitter: @mueni8 Managing Editor: KC Rottok – firstname.lastname@example.org Twitter: @africankc Deputy Editor & Content Advisor: Leah Maina Publishing Executive: Dumisani Hlatswayo Edition Writers/Contributors: Keith Kundai Lebohang Mojapelo Andreas Krensel Yaw Peprah Chaitwa Mamoyo Wendy Foley Photography: Mzu Nhlabati www.creativenation.co.za Design: Wink Digital & Design Website: Drutech Media www.drutechmedia.co.za Advertising Enquiries: email@example.com To subscribe or contribute an article, email us at firstname.lastname@example.org All rights reserved. Excerpts may be used as long as this magazine is credited as the source. Longer versions of our content may only be used with the written permission of the Publisher. Neither the publisher nor the editor accept responsibility for any information from edition writers or contributors. Whilst we have taken care in preparing this publication, the publisher/ editor does not warrant its completeness or accuracy. The editor retains the right to edit all contributions. Advertisers are responsible for their material.
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MULALO MARTIN MUDAU CEO OF THE HARVEST GROUP
udau credits his accounting teacher, the late Mr Sabatha, as the person who
He started his first year at Wits
first introduced his class to the chartered
family, he was fortunate to receive a
University at the age of 16. Although it was a difficult time financially for his
accountancy [CA (SA)] profession in
study bursary from KPMG in the third
the eighth grade. Coincidentally, in the
year of his studies. After qualifying
same high school class sat his close friend Justice Muhanelwa, who also qualified as a CA (SA), and is now his business partner at the Harvest Chartered Accountants Inc. As a young boy from a disadvantaged background, his options seemed limited until that day. That was the start of many late nights spent working towards the dream of becoming a chartered accountant.
as a CA (SA), Martin moved to the Corporate Finance division of KPMG as a manager where he worked for 18 months before moving to the University of South Africa (UNISA) to take up the position of senior lecturer in auditing. The position offered flexible hours with a fixed income and being recently married with a little one on the way, he felt this would be the perfect environment to pursue his entrepreneurial ambitions with the financial stability the job provided. www.theafricanpro.com
One of Mudauâ€™s breakthrough moments was being appointed in joint partnership with KPMG to provide project advisory services to the City of Tshwane on its Bus Rapid Transit business plan. This was during his tenure at UNISA and he had just established Malamba Enterprise Development Services which was later rebranded to Harvest Chartered Accountants Inc. It was their first project, which gave them a significant advantage towards achieving financial growth and stability. Since then, the company has grown to achieve sustainability and create employment across five branches in Limpopo, North West and Gauteng. Harvest Chartered Accountants
currently employs 42 permanent and 24 contract employees. The Harvest Group in total employs over 80 staff members. Mudau serves on two USAASA (Universal Service and Access Agency of South Africa) board committees. He is one of the new trustees and donors that resuscitated a school in the informal settlement of Ramaphosa, which had been shut down after allegations of fraud. He sat down with TAP Editor, KC Rottok and had the following conversation.
Was the process of qualifying as a chartered accountant smooth sailing? Not at all. I only passed the first part of the CA (SA) examinations on the third attempt. It was a very humbling experience as I worked very hard to pass my exams. The first time I attempted the exam, I was over-confident. I found the paper very easy. When the results came out I was devastated. I later realized that my problem was poor exam technique and when I worked on this aspect by practicing exam questions I eventually prevailed. The day I learned I had finally passed, I kicked the air so hard that my shoe flew into a fluorescent bulb that came crashing down on my head. I sustained a minor cut on the head but I didn’t care, it was a tremendous moment, one I will never forget.
What other challenges have you experienced along the way? My first year of working at UNISA was not very productive. I didn’t put the free time I had to good use and as a
result, when my first opportunity to do business came about, my company was not ready. I was forced to respond to the opportunity through the organization of someone I know. This turned out to be a big mistake as they unilaterally decided to withhold some of payments received from the job. Despite many efforts, I only managed to recover very little of the funds that were withheld. The lesson learnt there is that success happens when preparation meets opportunity. If I was better prepared for the business opportunity, I would not have ended up in that predicament.
How did Malamba Enterprise Development Services transition to Harvest Chartered Accountants Inc.? In 2012 Malamba had about seven employees and I was not fully involved with the business as I had partnered with three individuals in pursuing a coal mining prospect. We undertook a feasibility study after receiving some funds from an investor but unfortunately the study revealed that the mining the asset was not bankable. That was when I decided to fully focus on my accounting business. The first thing I did was to rebrand Malamba to Harvest. The name was ‘brandable’ and it also reflected our vision as it indicates a time of reaping rewards. This turned out to be one the best business decisions I have made to date. We have invested significantly into growing the brand such that we have a separate entity that owns the intellectual property rights to the brand. www.theafricanpro.com
What services does the Harvest Group provide? The Harvest group is made of a number of companies that offer a variety of services, we have managed to diversify our services and products by partnering up with industry experts. The group is composed of the following entities: Harvest Chartered Accountants Inc. which provides Accounting, Audit, Tax, BEE verifications and Advisory services www.harvestca.co.za Harvest Risk Solutions, providing Insurance, Medical aid and Investments www.harvestrisk.co.za Harvest Marketing and Media. This company provides Branding and marketing services www.harvestmedia.co.za Harvest Institute of Commerce which provides online and long distance ICB and CIMA studies. Harvest Office Technologies which provides IT services and sales of IT and office automation products www.harvestofficetech.co.za
What business lessons have you gathered? Building a sustainable business is achieved from the day that you start planning your business. This could be achieved through structuring your operations to ensure that your business is not suffocated by overheads and maintaining the balance between low overheads and incurring necessary costs that are crucial to the growth of the
business. Outsourcing of services may
You were one of the finalists in the Top
bring down an entityâ€™s operating costs.
35 under 35 chartered accountants in
However, a balance must be maintained between
My wife Adele who heads our group
Depending on the nature of business and industry, one of the expenses a business cannot afford to compromise on is marketing and sales. Many businesses will respond directly, and one would see a direct and positive correlation between sales expenditure and revenue. To maintain a low overhead structure, 12
South Africa, how did this come about?
a business can also make use of online business platforms. It is advisable to incorporate an online platform as this allows the entity to grow and access
HR and operations actually nominated me for the award. I was quite humbled to make the shortlist and even though we didnâ€™t make the top 3, it was good exposure for our brand within the profession.
Where do you see Harvest in the next five years? I still have my eye on the resources space. I believe we can improve on the lessons learnt from the failed coal
nation and worldwide markets. A
project and re-enter the mining sector.
credible and fully functional website
On the back of this, we should be able to
that competes with well-established
list the group by the year 2020.
businesses that have a wider footprint in brick and mortar can be built at minimal cost.
KC ROTTOK (ADDITIONAL REPORTING FROM THE
An additional advantage of an online
ACCOUNTANCY SA MAGAZINE)
platform for your business is that it will continue to work for you around the clock where conventional human resources are limited by operating hours. An online platform can also accelerate the growth of your brand, which is a key towards creating longterm sustainability. Continuous
highly depends on the ability to retain clients. This could be achieved by maintaining a high standard of services and seeking continuous feedback from clients. www.theafricanpro.com
Discover Victoria Falls under The Rainbow
Aâ€™Zambezi River Lodge
... The only resort on the bank of the Zambezi River in Victoria Falls! For Bookings, Contact RTG South Africa Reservations: Tel: +27 11 463 4470/6004 | Email: email@example.com www.azambezi.com www.theafricanpro.com
A VICTIM'S ACCOUNT
BREATH STOLEN AT AZAMBEZI RIVER LODGE, VICTORIA FALLS
omeone said that life should not be a collection of the breaths we take but of the moments that take our breath away. I have been to several continents and quite a few holiday destinations but none quite like the world heritage site that is Victoria Falls, proven to be the world’s largest sheet of falling water.
provided by the helpful people at the Batoka desk. The river options include a sunset cruise, fishing, canoeing and a guided tour of the falls. Safari lovers are spoilt for choice with options including an elephant back safari, lion walk, a full
One activity that was not up for debate was a visit to the Victoria Falls. We had been advised to go as early as possible but when you are on holiday, sleeping in is essential. The Lodge provides free hourly shuttle service to the local town and to the falls every hour and we managed to hop on the 9 a.m. one the following morning.
“Someone said that life should
I called the experience my second honeymoon after having decided rather belatedly to surprise my wife with three days at A’zambezi River Lodge for her birthday. When the plane touched down, the recipient airport was turned into a temporary strip club as we and our fellow travellers from a winterstruck Johannesburg, shed our warm clothing in response to the sweltering heat.
not be a collection of the breaths
we take but of the moments that take our breath away. I have been to several continents and quite a few holiday destinations but none quite like the world heritage site that is Victoria Falls, proven to be the world’s
After a brief transition through the airport, we were met by a group of traditional dancers punishing the skin on their drums and doing a local jive. Then a Batoka Safaris mini-van chauffeured by a talkative and deeply pleasant fellow took us to A’zambezi where we indulge in a welcoming drink before taking to our rooms.
largest sheet of falling water...”
One of the most difficult things that we had to do was decide which activities to undertake during our stay from the menu
day at the Chobe Game Reserve, horse riding safari, game drives and a village tour. Adrenalin junkies can get their fix by indulging in pastimes that include white water rafting, the gorge swing, zip lining and bungee jumping. Air activities include a 22 minute flight over the Victoria Falls and a 15 minute helicopter ride touring the general area. www.theafricanpro.com
There is a charcoal coloured stone tablet sign in the shape of the map of Zimbabwe that welcomed us at the entrance to the falls. It refers to Mosi-oa-tunya which means “the smoke that thunders” in a local dialect. It is an apt description because you can hear the impact of the gallons and gallons of water crushing upon the rocks below as you walk through the forested enclave to catch a glimpse of this majestic wonder of the world.
Despite being the dry season, we were soaked in the river water as we took multiple pictures of the falls from different spots. A memorable site is the statue of David Livingstone who history credits as the first European to have seen the falls. It was erected on 16 November 1955 on the centenary of his “discovery of the falls”. Also worth noting is the mini-market outside the park with all manner of memorabilia to choose from.
There is a tranquillity that can be associated with the sight, sense and sound of water that gives travellers a relaxing feeling. Back at the lodge, there is a replica of the falls at the entrance that continues that feeling coupled with the large swimming pool that is naked under the Zimbabwean sun which was the perfect spot to dip into for a lazy afternoon. Moreover, the lodge is situated on the banks of the Zambezi River, with such proximity to matters wild that a sign â€œBeware of Crocodilesâ€? is morbidly necessary. Warthogs freely roam the lawns of the hotel, and on our way to the restaurant for a buffet dinner, we joined a small crowd that had gathered to take pictures from a safe distance of
a trespassing elephant. The dinner itself was sumptuous, the selection of game meat was most appropriate and a performance by a local dance troupe capped an overall amiable experience. On our second day, we went zip-lining at the gorge. Now that was an exhilarating escapade! To entrust oneâ€™s life on the strength of a few wires suspended above a 100 metre plunge as you slide across at an incredible speed. The initial apprehension is quickly forgotten as you surrender to the oncoming breeze and steal a glimpse or two of the surrounding flora and fauna. In the evening we begrudgingly substituted dinner at the lodge for a trip aboard a ship floating deep into the Zambezi River. Dining on the water
under the moonlight makes for the most romantic setting. The dinner cruise is certainly value for money as one gets to enjoy unlimited drinks to wash down a gourmet three course dinner with occasional stops to take pictures of hippos, crocodiles and elephants. On the third day, we took a stroll to the crocodile farm situated a few metres down the road from the lodge. It is an interesting facility which has a minimuseum and a shop with a selection of crocodile skin products. We took pictures holding baby crocs and later watched the much larger adult versions leap out of the water for chunks of beef at feeding time.
“There is a tranquillity that can be associated with the sight, sense and sound of water that gives travellers a relaxing feeling. The large swimming pool is naked under 16
the Zimbabwean sun; the perfect spot to dip into for a lazy afternoon. Moreover, the lodge is situated on the banks of the Zambezi River, with such proximity to matters wild that a sign “Beware of Crocodiles” is morbidly necessary.."
This was our last day and we decided to take it easy and appreciate Aâ€™zambezi River Lodge one last time. It has imaginative architecture with its sweeping curve of grass thatch blends. Outside our room were comfortable woven seats from which we enjoyed an afternoon read encircled by the sounds of the abundant birdlife. The professionalism of the friendly staff continued when we checked out and boarded the van for a sad transfer back to the airport where a flyafrica. com flight was waiting to take us back to Johannesburg.
The hangover from a perfect getaway remains for several months as this victim still remembers Aâ€™zambezi River Lodge and Victoria Falls, the destination that will inevitably steal your breath away. KC ROTTOK
Standard Bank and MoneyGram Teams
STANDARD BANK AND MONEYGRAM ENABLE TRANSFERS TO ZIM ECOCASH, M-PESA KENYA AND M-PESA TANZANIA WALLETS In the past quarter, the International money transfer brand MoneyGram together with partners Standard Bank launched the Direct Send to Ecocash in Zimbabwe product giving Zimbabweans in South Africa, the opportunity to send straight into an EcoCash wallet. 18
The launch took place at Standard Bank in Rivonia where, Herve Chomel, the Vice President of MoneyGram, detailed the convenience for customers in sending money from Standard Bank to their loved ones mobile wallets as well as the convenience in receiving from the over 20 000 EcoCash locations in Zimbabwe. He stated “one of the biggest changes in Africa over the last decade is the growth of mobile telephony. Mobile wallets have been used as a means of savings and payments.” The sender does not need to be a Standard Bank account holder however with EcoCash in Zimbabwe, the receiver of the transaction has to be a registered EcoCash customer otherwise their transaction would be rejected. Arno Von Helden Head of Trade and Forex Product, Standard Bank Business & Commercial Banking expressed excitement at the new convenient channels, and asked customers to watch this space for new products going in the near future. This service will also allow our customers to send MoneyGram directly to their loved ones in Mpesa wallets in Kenya and Tanzania.
Govender stated the product offering will be extended to Standard Bank 167 branches across South Africa and listed the key benefits of Direct Send which include funds being received into Ecocash wallet at any time and the service being safe and fast. The convenience of sending a MoneyGram remittance directly into your receiver’s mobile wallet eliminates the need for a reference number. From the time of send, the remittance will be deposited into the receivers’ mobile wallet within seconds. The afternoon event was concluded by a successful test transaction that was witnessed by invited guests. Govender sent money to Harare Zimbabwe and it arrived in less than ten minutes! MoneyGram Senior Marketing Manager for South and East Africa, Gabriel Wilson made a call via loud speaker to confirm the transaction was received by the recipient into his cell phone. The service comes with a daily transaction limit of US$1 000 and a monthly limit of US$3 000. Statistics have it that there are between 1.5 million and 2 million Zimbabweans in South Africa who send money home regularly. The Direct Send launch positioning is welcomed as customers enter the festive season which is characterised by friends and family sending and receiving money from loved ones.
Viveka Govender Senior Operations Manager for Mobile and Self Service Channels at MoneyGram said “Econet has approximately four million active wallet holders in Zimbabwe and this service offers our customers more choices in how their receiver collects remittance”.
Arno von Helden (left) and Herve Chomel
FOUNDING CEO OF THE CHARTER QUEST GROUP
alentine Nti was born in Cameroon 41 years ago and is currently the Founding
CEO of the CharterQuest Group - a career development company focused on
qualifications and providing strategic management advisory solutions to their corporate clients. He holds an MBA in Finance and Strategy from De Montfort University (UK). Valentine finished pre-tertiary education in 1992 as Cameroon's Top Student at the Cambridge CGE receiving the 'UCB Major Award', and was subsequently elected President of the Cameroon Student Union Movement, a prodemocracy youth movement focused on education reforms in his country. This is where his passion for education was refined into a life-long calling. He studied accountancy at the University of Buea in Cameroon where he championed prodemocracy,
higher education reforms following exchanges with other Commonwealth Student Movements in Britain, Canada and
government declared him 'persona non grata', and he was subsequently arrested and maliciously charged for advocating a secessionist split between Anglophone and
persecution led him to flee into exile in South Africa in 1999 from where he built a solid corporate career with blue chip multi¬na¬tion¬als such as Transnet, Impala Plat¬inum Hold-ings, Anglo Amer¬ican and the Stan¬dard Char¬tered Bank.
Nti left full time employment in 2006 after concluding that his status as a foreign national would be a stumbling block to his further progression in corporate South Africa and decided his qualifications and life experiences could be better deployed as an entrepreneur in the training and education space which has always been his passion. Dumisani Hlatshwayo visited Nti at his corporate office and filed the following conversation.
How was your transition from employee to entrepreneur?
It became clear in 2006 that I could not advance further in corporate South Africa as I was a foreigner, and often considered too young at 27 to already be an executive 2-levels below the Group CEO of a major listed multinational. I then decided to set up my first company signing up with a black South African business partner to boost my Black Economic Empowerment (BEE) credentials. We secured lucrative contracts to the tune of R18 million and everything was going swimmingly before my legal troubles began
What were these legal challenges and how did they pan out?
One day in February 1998, immigration officers suddenly walked into my office, arrested and unlawfully detained me for being an illegal immigrant. They were pushing to deport me instantly but I protested this in court. We secured a judgement in my favour and a compensation award against the state. Three months later, a lady friend to whom my business partner had www.theafricanpro.com
introduced me, falsely accused me of rape and I was again arrested. Whilst in jail my business partner staged a corporate takeover and during the trial, my accuser confessed to colluding with my business partner against me to facilitate the takeover. I was acquitted but lost almost everything. I watched my business partner run the company to the ground and every attempt to mount a legal challenge was dragged into long court battles. I took some lessons from it and returned to teaching and consulting to raise new capital and pay off the debts that I had accrued.
Tell us about the process of starting CharterQuest
It is often said the closest a man comes to knowing the pain a woman goes through whilst giving birth is starting a successful company from scratch especially if the first one failed and you have to do it all over again. I incorporated CharterQuest in April 2010. I had 12 whom I taught from my home garage and veranda whilst I applied for accreditations with the relevant bodies. I subsequently negotiated a lease and appointed an Operations Manager who shared my passion for teaching. Despite the startup challenges - including capital, cash flow and brand development - our excellent early results led to a string of high profile accreditations. We now have campuses in Sandton, Pretoria and Braamfontein with plans underway to expand into the rest of Africa. Our CharterConnect division places our graduates into organisations and we have other brands such as CharterBooks - our e-commerce academic book sales
“One day in February 1998, immigration officers suddenly walked into my office, arrested and unlawfully detained me for being an illegal immigrant. Three months later, a lady friend to whom my business partner had introduced me, falsely accused me of rape and I was again arrested. Whilst in jail my business partner staged a corporate takeover and during the trial, my accuser confessed to colluding with my business partner against me to facilitate the takeover. I was acquitted but lost almost everything….” division - and CharterCapital Advisory,
our strategic management advisory
designed to bring out the best in the
services arm. Our top achievement I think has been the sheer number of financially-qualified business leaders who take pride in acknowledging CharterQuest as their alma mater, as well as the number of Top African Students we have produced globally.
RED in our corporate colours reflects our core values namely Rectitude, Exceptionalism and Determination. Our most recent success was at the Chartered Institute of Management Accountants (CIMA) Global Business Competition.
What is the competition about, how did you enter, and what were the results?
young business leaders of tomorrow. Inspired by a desire to prove that African brands can compete globally, we put up a team comprising of four young and energetic CharterQuest students: Tshegofatso
Miiro, Tshenolo Ramawela and Justice Tshabalala to compete against teams from South Africa's top universities at the Johannesburg Stock Exchange. To everyone’s surprise, our little known college emerged victorious and became South Africa’s representative at the international
where we went on to achieve a top three place out of 26 teams competing for
It is a Barclays-sponsored global
the Future Business Leader Award. We
business case study competition for
however lost at the group stage of the www.theafricanpro.com
main competition to the University of Cambridge (UK).
Following your impressive performance, what next for CharterQuest? We are now accelerating our 2018 goal of creating a similar case study competition
by starting in 2016. The CFO Case Study Competition 2016 has just been launched and is destined to be a one of a kind event in Africa that brings students, universities, companies and professional bodies to build Africa’s next generation of CFO’s and business leaders. We hope to list the group on a major international stock exchange by the year 2020. DUMISANI HLATSHWAYO
THE ECONOMIC COST OF HOMOPHOBIA IN AFRICA
“Approximately half of the countries globally that have anti-homosexuality laws are in Africa, 34 in total, with punishments ranging from imprisonment to the death penalty. About a dozen countries are considered ‘gay friendly’ where those found trampling on the rights of homosexuals can be prosecuted. South Africa was the first African country to legalise same sex unions and only a handful of countries have been similarly ‘progressive’…..”
i my name is Rottok and I am a recovering homophobe. I still look away when a movie scene features two men swapping saliva. But since researching this topic for a television programme I hosted recently, I am beginning to turn the corner. I get the feeling that people, particularly men, oppose homosexuality as a means of affirming their manly nature. The more you sympathise with homosexuals, the greater the perception that you may have gay tendencies. It is therefore "cool" to be homophobic. Our politicians know this all too well hence the occasional antihomosexuality utterances from the
likes of Zimbabwean President Robert Mugabe and former Kenyan Prime Minister Raila Odinga. Most recently, Kenyan President Kenyatta referred to gay rights as a "non-issue" during President Obama's visit. The latter has just overseen the implementation of "fifty states of gay" - countrywide permission for homosexuals to marry in the United States. This topic is a political hot potato. Former Botswana President Festus Mogae admitted to the BBC that he was not willing to lose an election for supporting gay rights. Obama himself was opposed to gay marriage while on the campaign trail when he was running for Illinois Senator. www.theafricanpro.com
President Kenyatta’s argument was that we have bigger issues to deal with like gender inequality and that we will get to gay rights later as they are not an immediate priority. A well-articulated response; but replace the word gay with any other set of Kenyans like children, the disabled, albinos, minority tribes or those living with HIV, and you would probably get a more empathetic answer that doesn’t result in the subordination of their rights while highlighting the plight of women. Approximately half of the countries globally that have anti-homosexuality laws are in Africa - 34 in total with punishments ranging from imprisonment to the death penalty.
About a dozen countries are considered ‘gay friendly’ where those found trampling on the rights of homosexuals can be prosecuted. South Africa was the first African country to legalise same sex unions and only a handful of countries have been similarly ‘progressive’. There is the narrative that homosexuality is un-African and that the practice is a colonial import. This has been proven to be historically inaccurate given the notes from early settlers expressing their disgust at sections of Africa’s population where men lay with other men. For example in Uganda, which recently passed very harsh anti-homosexuality laws, the Christian martyrs of 1885 were executed in part for refusing to be sodomised by Kabaka Mwanga II. In Mozambique, it is the Portuguese who passed laws against homosexuality when they settled there in the 1800’s. Therefore, it is homophobia and not homosexuality that is a colonial import. Africa has become a religious continent with a vast majority subscribing to either Christianity or Islam. Both religions have scripture that opposes homosexuality but they also disallow many other things including adultery and yet we have no laws that make adultery illegal. We should also not forget research that proves that homosexual tendencies result from genetic, hormonal and social factors meaning that a good number of citizens do not necessarily chose to be gay.
here given that homosexuals have been
costs, lower economic output and fewer
proven to be a statistical minority in any
incentives to invest in human capital.
society. Another important aspect in our context There is possible harm in Africa’s
is the picture painted in international
leadership dismissing gay rights as a
media of Africa as a gay-unfriendly
non-issue. Their countrymen could
tourist destination. A Wikipedia entry
adopt the ‘tone from the top’ and
records that major companies in the
promulgate homophobia with negative
travel industry have become aware of
consequences. A study was done by
the substantial revenue, known as “the
Dr Lee Badgett on the economic cost
pink dollar”, generated by homosexuals
of homophobia published in February
taking “gaycations”. According to a
2014 on the World Bank website. The
2000 Travel University report, 10%
preliminary results using India as a case
of international tourists were gay and
study found that homophobia cost the
lesbian accounting for more than 70
country between 0.1% and 1.7% of its
million arrivals worldwide.
Of course we could always argue that Homophobia results in social exclusion
we value our largely heterosexual
through violence, imprisonment, job
culture and that our hotels can continue
losses, discrimination, rejection within
to remain empty if it means we have to
families, harassment in schools and
accept homosexuals to fill them. I think
pressure to marry. At an individual
that would be myopic given that I am
level, this results in less education,
the least bit affected by what two adults
lower productivity, lower earnings, poor
decide to do in the privacy of their
health and a reduced participation in the
labour force. When this is extrapolated to the economy, the consequences are higher health care and social program
There is also the argument that homosexuality is unnatural and that permitting it will result in a lack of continuity of families and stall population growth. There is little risk www.theafricanpro.com
Akweni Print Advert_2015.indd 1
ARE HEFTY PRIVATE SECTOR SALARIES JUSTIFIED?
ow do you spend your typical hour at the office? Perhaps you start it with updating your Facebook status, telling ‘friends’ about last night’s dinner date complete with photo-shopped images of cheektouching portraits. You then begin working on a report due at the end of the day while responding to one or two WhatsApp group messages before logging back on to see who liked your post and read the growing chain of comments. In that same hour, the CEO of Kenya’s largest telecommunications company (Safaricom) Bob Collymore would have
bagged about a thousand dollars. That is my educated guess of how much he earns which seems to be of interest to many people given that if you type his name on Google, one of the first auto-complete suggestions is the word ‘salary’. Here’s the education behind the guess. A 2014 Business Daily article found that the CEO and CFO of Kenya Airways split USD 85,000 a month and the same newspaper reported that Collymore’s predecessor Michael Joseph accumulated USD 2.2 million in “delayed tax settlements and bonuses” over a seven year period. Safaricom’s 2014 Annual Report indicated a
collective Directors’ Remuneration of USD 2.25 million. Similar to Kenya Airways, Safaricom’s executive directors are the company CEO and CFO. American Business Finance Magazine has done research on the gap between CEO and CFO salaries. “The analysis shows that CFOs of S&P 100 companies have a median salary that is 50.7% of the median salary for CEOs among this group of companies, and the gap has been increasing for the past couple of years,” the article summary reads. Whereas we are in a different market, these findings do offer some insight.
"Every business operates to make a profit by lowering costs and increasing revenue. In this respect, human resources are no different from any other cost investment the company makes. The employer's ultimate consideration is therefore the expected return on his investment in any human resource."
Further afield here in South Africa, the heads of the largest telecoms companies MTN and Vodacom recently earned USD 3.84 million and USD 0.98 million per annum respectively according to reputable website Businesstech.co.za.
Taking all the above into consideration, it is quite reasonable to believe that Collymore takes home a package of approximately USD 144,000 a month which translates to about USD1,000 an hour if he works 144 hours a month, excluding leave. This would be inclusive of fringe benefits associated with his status as an expatriate. We shall ignore the fact that he holds 908,000 shares as per the company’s 2014 Corporate Governance Statement. My inspiration to write to this article stems from a rather heated debate on my high school forum where many argued that such private sector salaries are ridiculous and immoral. How hard or smart does one have to work in an hour to justify such a wage? After all, George Carlin observed that ‘most people will work just hard enough not to get fired and get paid just enough money not to quit’. The reason for considering pay per hour is because most employees sell their time to their employer. The same applies to self-employed professionals like highly qualified lawyers or doctors who typically charge their clients from five to fifty to two hundred dollars per hour. Salesmen or business development managers are however compensated depending on how much revenue they generate for the company.
The idea of how much revenue an
The difference between an employee
employee generates for a company
and an entrepreneur is that the latter
could be applied to all employees. According to Steve Robbins, contributor to
should not pay an employee more than the revenue they generate or costs they
comes up with a product or service that yields financial returns. The returns of a successful venture have no limit other than the exploits of its competition.
save. That is the upper limit. The lower
A further dimension is that of an
limit is determined by the market. If you
entrepreneurial employee who comes
pay an employee less than the market, the market is bound to poach them.
“My inspiration to write to this article stems from a rather heated debate on my high school forum where many argued that such private sector salaries are ridiculous and immoral. How hard or smart does one have to work in an hour to justify such a wage? After all, George Carlin observed that ‘most people will work just hard enough not to get fired and get paid just enough money not to quit’…..” www.theafricanpro.com
up with a product or service that yields financial returns for the benefit of his or her employer. This is applicable to most CEO’s who could, within the hour, make a strategic decision with the potential to earn the employer limitless returns. The aforementioned Business Daily article lists Michael Joseph’s successes as including building a subscriber base of 19 million from 17,000, presiding over a popular IPO and pioneering M-Pesa.
entrepreneurial journey began at age 12 selling plasticine moulds, has just led the company to a record net profit after tax of 318 million dollars. There is therefore little doubt that Safaricom is not getting a handsome return on its investment in its chief executive. USD144, 000 a month is not so expensive if it buys you the kind of leadership that yields USD 2.65 million post-tax in the same period.
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HOW I QUIT THE RAT RACE AT 32 WITH A MORTGAGE, A WIFE AND A BABY
he rat race is viewed in modern times as a situation where an individual is trapped in an occupation that s/he does not particularly enjoy, working very hard to get unstuck but is unable to do so due to the weight of financial obligations s/ he needs to meet with the remuneration derived there from. The term was coined from the image of a laboratory rat running pointlessly on a wheel or in a maze with no hope of escape.
“Before You Quit Your Job” (‘BYQYJ’) by Robert Kiyosaki. This is a sequel to the well-known book “Rich Dad, Poor Dad” by the same author. BYQYJ is a detailed examination of the proposed process of leaving employment to pursue financial independence and success in the footsteps of Kiyosaki’s ‘rich dad’. The book cover states that
the business owners do not have the necessary business acumen to build lasting businesses. Kiyosaki therefore recommends that those seeking to exit employment try to create businesses on a part time basis first. This will enable them to test their entrepreneurial ability while gauging the viability of their business idea.
“Most of the people I spoke to thought I was mad to quit a wellpaying job. I realised they were applying their own lack of courage and vision to my circumstances and yet ordinary people only do extraordinary things when they take risks. Kiyosaki actually says in his book that the difference between entrepreneur and employee is fear. ...”
If you are stuck in the rat race and are trying to get out, I would recommend a board game and two books. The first book is The Alchemist by Paulo Coelho. Without giving too much away, this is a fable about following your dreams. The protagonist is Santiago, a shepherd boy who resisted his parents desire to become a priest. He hesitates pursuing his dream until he meets Melchizedek who encourages him to set off and fulfil his calling.
The signature quote emanating from The Alchemist is: “When you’re on a journey to fulfil your personal legend, the whole universe conspires to help you achieve it.” The second book I would recommend is
it will provide ‘ten real-life lessons every entrepreneur should know about building a multimillion-dollar business”. Some of my key takeaways from this book included the statistic that approximately 90% of all businesses fail within the first five years. This is partly attributed to the fact that www.theafricanpro.com
of the rat race.
The board game is also a Kiyosaki product called CASHFLOW. It has two stages; the first being ‘the rat race’ where every player is allocated a coloured rat going around a wheel and trying to escape to the second stage called ‘the fast track’. Players select a random card which then assigns them a profession for the duration of the first stage. One only exits the rat race when your passive income exceeds your expenses and each player keeps a financial statement to track their exit out
I believe I was fortunate to read ‘The Alchemist’ and BYQYJ very early in my career. I worked in an accounting firm and my primary responsibility was to undertake audit work. It was the embodiment of the rat race; I went to work every day because I needed the salary it promised at the end of the month to make ends meet. Every part of
my being hated being an auditor. Progressing to a minority ownership of the business was not enough to keep me there and when I first played CASHFLOW, I knew exactly what was required to quit the chase. My wife and I discussed what our minimum lifestyle requirements would be including the kind of holidays we would take each year, the cars we would drive, the number of kids we would have and the neighbourhood we would live in. With these details in mind, I knew exactly what our monthly expenses would be and set upon building passive income to match these expenses. And as recommended in BYQYJ, my wife and I started a business while I was still employed in the form of a retail publication, something I always wanted to do as I have a passion for media. Limiting my expenses came with a lot of sacrifices. While my colleagues lived in the most posh suburbs, we settled for a less glamorous but fairly decent neighbourhood. For five years as a partner, I drove a tiny second-hand twodoor fiat pick-up while my subordinates, even the junior auditors, were cruising in the latest German cars.
The process worked. By the time I walked into my boss’s office to resign, we had a baby on the way but very little debt and adequate passive income to fulfil most of our monthly expenses. The shortfall would be addressed from income derived from the business and a consulting company I intended to form. Most of the people I spoke to thought I was mad to quit a well-paying job. I realised they were applying their own lack of courage and vision to my circumstances and yet ordinary people only do extraordinary things when they take risks. Kiyosaki actually says in BYQYJ that the difference between entrepreneur and employee is fear. It was fear that was holding back Santiago in The Alchemist. And just like in the book, I have seen the universe conspire to help me. In the year that I resigned, the audit firm I worked for needed to find an independent partner to provide certain non-audit services to their clients that a new law prevented them from offering. My new consulting company filled that gap. I also met a key decision maker at a blue chip insurance company which led to a generous sponsorship for an award ceremony I came up with. In addition, a friend introduced me to a television www.theafricanpro.com
station that pays me for a presenting role I would probably do for free. I had the most financially rewarding period ever in my first year post-employment and my exploits led to my receiving an award – being listed in the top 35 accountants under 35 in South Africa. The most beautiful thing about being out of the rat race is that it enables you to live a portfolio life. This is the kind of life that allows you to deploy your time to a ‘portfolio of roles’ that suit your talent best rather than somebody else’s job description. To paraphrase Marianne Williamson; “your deepest fear is not quitting your job, your deepest fear is that you are powerful beyond measure. Your playing small doesn’t serve the world. You ask yourself, who are you to be to be brilliant and talented? Actually, who are you not to be?”
Reason says: admire the difference.
Instinct says: cherish the individual. 30
At Grant Thornton, we recruit people with a passion for business, who combine reason and instinct to give the kind of advice that makes a real difference to the organisations they work with. They know it’s about more than just the numbers, it’s about enjoying tough challenges, seeking out opportunities and adding real value to our clients by unlocking their potential for growth.
South African Professional Services Awards (SAPSA) Grant Thornton awarded Best Accounting/ Auditing Firm of the year 2014
2015 Grant Thornton South Africa. All rights reserved. Grant Thornton South Africa is a member firm of Grant Thornton International Ltd (GTIL). GTIL and the member firms are not a worldwide partnership. Services are delivered by the member firms. GTIl and its member firms are not agents of, and do not obligate, one another and are not liable for one another’s acts or omissions. Please see www.gt.co.za for further details.
THE FRIGHTENING CONSEQUENCES OF
A DREADED DISEASE What is a Dreaded Disease?
They’re the eventualities that no-one wants to think about – the kind of diseases that lead to an expensive battle with it and/or leave you with a lifetime of medical costs. Generally there are four major conditions that come to mind, namely Heart Attack, Cancer, Stroke and Coronary Artery By-pass Graft (CABG).
What is Dreaded Disease Cover?
Dreaded disease cover - also known as severe illness cover - is a long-term insurance policy put in place to cover specific serious illnesses. A dreaded disease has a way of incapacitating sufferers for an extended period of time and the lump sum payment that you would receive could provide you with the additional funds to: • Pay for additional medical expenses. • Recover from a loss of income. • Have money available while you recover and when you might otherwise not receive a regular income. • Pay for additional medical equipment and counselling needed. • Ensure you that your family will survive financially should you not recover well enough to return to work. Ultimately how you spend the lump sum amount that you receive from the policy is your choice.
The Four Phases of a Severe Illness A severe illness typically has four phases. You are diagnosed in the first
phase and treated in the second phase. Depending on your choice of medical aid, it can support you through the first two phases In the third phase you need to recover both physically and emotionally. Then in the fourth phase you face the financial impact of the unexpected expenses that a severe illness can have on you, your family and your business. The lump sum received from a severe illness policy would support the individual through the last two phases.
What isn’t covered?
Pre-existing health conditions would not be covered. In addition to this it is important to realise that not all medical conditions are covered by a dreaded disease policy and that the severity of the condition determines the amount of money that is paid out to the policy holder. This stresses the importance of understanding the terms of your dreaded disease policy so that you know how much money will pay out in the event of a debilitating illness.
How much does it cost?
The insurance company would take into account a number of factors when they arrive at a monthly premium including the following: • Age • Whether you smoke or have previously smoked. • Health (your current health, your weight, your family medical history) • Job (some occupations carry a higher risk than others and may mean you have to pay more each month) www.theafricanpro.com
• The amount of cover you take out
Why would you need the Cover?
Dreaded disease cover is essential in the case of self-employed individuals where you will be covered for loss of income during the period need to recover from the disease. The lump sum you receive can also be used to cover any additional medical costs incurred during your diagnosis, treatment and recovery. It can also be used to keep your family financially stable in an economy where every cent counts.
The financial consequences of a critical illness can often be worse than those of death. You want to be certain that you have sufficient funding for the necessary lifestyle adjustments that you and your family will need to make. Many people make the mistake of not considering a severe illness policy, either because they believe that it won’t happen to them or because they believe that the insurers won’t pay out in the event of a serious illness. In reality however, the purchase of dreaded disease cover can be a critical
life investment decision which can offer you financial comfort during those very difficult times. *** Consolidated is a national financial planning practice with offices in Western Cape, Johannesburg, Tshwane, Eastern Cape and KwaZulu-Natal. Wendy is based in Gauteng. For more information please visit: www.consolidated.co.za
Wendy Foley CFP®
THE NEW DYNAMIC BENCHMARK IN ITS SEGMENT
he new Jaguar XE was launched in sub-Sahara Africa in August, marking Jaguar’s return to the
hotly contested sports saloon segment – a segment that Jaguar created over
steering, with outstanding levels of refinement.
Integral Link rear suspension Unique to this segment, the Integral Link suspension delivers major benefits over conventional multi-link designs.
“Jaguars have always been renowned for
By providing lateral and longitudinal
a balance of precise handling and a high-
stiffness, the integral link delivers sharp
intensive architecture and Integral Link
quality ride. The XE is the culmination
rear suspension, the XE will be a true
response and handling while retaining a
of everything the company has learned
refined, luxurious ride.
50 years ago with iconic models like the Mark II. With its aluminium-
driver’s car; one that will set a new benchmark among its competitors.
over the years,” says Mike Cross, Chief engineer of Vehicle Integrity at Jaguar.
Many components of the Integral
“The Integral Link rear suspension
Link suspension have been forged or
provides a combination of supple ride
hollow-cast in aluminium. These are
powerful Jaguar engines, the XE
and crisp handling that is unmatched in
the optimum production techniques to
combines thrilling performance, agile
produce a strong, lightweight solution.
Built using lightweight technologies, and using a range of efficient and
• The XE will be a true sports saloon with classleading dynamics, refinement and technology • Precise handling and high-quality ride is assured with Integral Link rear suspension; a layout designed for optimum performance, comfort and control • The finely-honed F-TYPE-derived front suspension delivers accurate and immediate response • State-of-the-art electric power steering system delivers renowned Jaguar feel and response • World-first All Surface Progress Control system ensures rear-wheel drive traction from standstill even in extreme conditions 35
Front suspension based on Class-leading steering feel All Surface Progress Control F-TYPE sportscar Jaguar is renowned for its steering feel Even with the best traction control, Mounted to a subframe with cast aluminium
XE’s double wishbone front suspension delivers the highest levels of handling and road holding. The advanced design is based on Jaguar’s flagship F-TYPE sportscar and includes some key components designed to deliver Jaguar XFR-levels of stiffness. These ensure the XE enjoys a similar level of agility and ‘connected’ 36
steering feel. Like the rear suspension,
and this will now move to the next level, as the XE is equipped with Jaguar’s latest
Assisted Steering (EPAS). The
allow much greater scope for tuning than
deliver better-quality steering feel. Other
steering damping, ease of low-speed manoeuvring and the ability to adapt
many components are made from cast
to Jaguar Drive Control settings. EPAS
and forged aluminium and some are
also enables a range of Active Safety
produced using a patented process.
and Driver Aid features.
rear-wheel drive cars can struggle to pull away from rest on very slippery surfaces. For that reason, Jaguar has developed All Surface Progress Control – a completely new feature in its class. Developed with the input of decades of Jaguar Land Rover experience in off-road traction systems, ASPC can electronically gain traction with far less drama than a human driver can achieve. The system works like a lowspeed cruise control to deliver optimum traction in the most slippery conditions without skidding and without the driver using the pedals.
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Immigration in Southern Africa
– A Brief Comparison
n my last article I reviewed the new Immigration Law in South Africa more than a year after its implementation. In this issue I took the liberty to look across our borders and compare South Africa’s immigration legislation and its practicalities, with that of some of our neighbours.
Comparing online access to legislation, regulations or even court cases, South Africa compares very well with its neighbours. It is rather hard to find reliable information on Immigration Legislation in some of the other Southern African countries. Additionally, the South African Immigration Act and its Regulations are by far the most detailed pieces of legislation amongst the reviewed countries. Botswana’s and Namibia’s legislation is only a few pages long and leaving a lot of room for interpretation and a need for practical knowledge and experience to navigate. When comparing countries in Southern Africa, there are two key systemic differences that are evident. South Africa, Namibia and Zambia for instance, issue a work permit which gives the holder the right to reside in the country. Other countries such as Botswana, Mozambique and Lesotho require any foreigner who has been issued with a work authorisation to register locally with the authorities. All reviewed countries offer both short and long term work permits. Most short term work permits are valid for 3 months, Mozambique being an exception. Most countries only have one category of work permit whereas South Africa has three different categories. The required supporting documents are also quite
“The biggest difference, in our experience, is the reliability and predictability of the outcome. Here all reviewed neighbouring countries significantly surpass the current service levels of South Africa. The number of blatantly wrong decisions is by far highest for South Africa. Appeal processes between 4 and 8 weeks in the reviewed neighbouring countries unlike South Africa which takes up to 8 months....” similar. Although it is a new requirement in South Africa, the involvement of the Department of Labour in the issuing of work permits/authorisation letters is quite common in other neighbouring countries like Botswana, Zambia, Lesotho and Mozambique. Namibia is also likely to make this a requirement in the near future. Notably, the duration of work permits differs greatly between South Africa and its neighbours. The standard in neighbouring countries is 2 years whilst South Africa one can get a permit that is valid for up to 5 years. The extension of work permits is significantly easier in Zambia and Namibia when compared to South Africa where an extension is similar to a new application. www.theafricanpro.com
Another very interesting point is that all the reviewed Southern African countries are getting more restrictive in their immigration practices rather than more open. The desire to protect the local labour market is very evident and employers are required to provide proof of their efforts to employ local staff before they can employ foreigners. This is very evident in Zambia, Namibia, Botswana and Mozambique (at least when applying outside the quota) and South Africa. Botswana has a very sophisticated points system to make a determination on work permit applications but in most countries the decision is discretionary. Even the Transfer of Skills Plan - a new “invention” in South Africa - is now a
requirement in Namibia and Zambia. The form may be different, but the principle is the same - foreigners can come in, but must train local staff for the future. Where South Africa compares very favourably, at least in my opinion, is in relation to the rights of homosexuals and life partners. None of the other countries officially recognise gay marriage. In Namibia a court case determined the right of a gay applicant to accompany her partner. Life partners or common law marriage are also not widely recognised, unlike in South Africa. Only Namibia and Mozambique allow them. Where South Africa does not compare well is in the practicalities of the legislation. The requirement to apply in person at a mission is South Africa specific. It has to be said though that South Africa has by far the most missions abroad and therefore the other countries might not have the same resources
to implement a similar requirement. When it comes to processing times our 8 week turnaround time is ok, but not great. Only in Namibia might a work permit take longer, but usually they also aim for 8 weeks processing time. In all other countries work permits are issued faster. The 6 months a general work permit takes in South Africa due to the slow processing times within the Department of Labour is unparalleled. Short term work permits are generally issued within one week both by South Africa and its neighbours. The biggest difference, in our experience, is the reliability and predictability of the outcome. Here all reviewed neighbouring countries significantly surpass the current service levels of South Africa. The number of blatantly wrong decisions is by far highest for South Africa. Appeal processes between 4 and 8 weeks in the reviewed neighbouring countries unlike South Africa which takes up to 8 months. Most countries - if they offer
it - issue permanent residence permits within a few months of application and not up to 2 years. The personal conduct, availability for questions, general friendliness of Government officials is better in most other countries than at South Africaâ€™s Department of Home Affairs. In particular the immigration authorities in Zambia are very impressive. In
immigration system compares well to other Southern African countries. There are a lot of similarities and overall, the differences are not major. Legislation and policy are advanced, the new DHA strategic plan is impressive. However, the practical implementation, despite VFS, still requires attention and most of our neighbours offer a more reliable adjudication process. ANDREAS KRENsEL from IBN Immigration Consultants www.ibn.co.za
The future is now
At PwC, we know that a sustainable business needs strong leaders, both now and in the future. We also know that the achievers of today are the leaders of tomorrow. Our sincere congratulations go to the winners in the SAPSA awards, including our Africa Senior Partner Suresh Kana, who was named SAPSA Professional of the Year. We’re proud of our contribution to our profession – and the contribution of our people to our communities and our country.
©2015 PricewaterhouseCoopers Inc. (“PwC”). All rights reserved. (15-16458)
I Do Not Come to You By Chance
The economy has reduced his parents’ salaries to poverty levels despite being well educated. Kingsley’s father, a dedicated civil servant is suffering from high blood pressure that led to an early retirement. His father’s death and a heartbreak from the love of his life pushes him to seek out any opportunity he can, and his first port of call is his flashy and extremely wealthy uncle known all over Abuja as “Cash Daddy”. Cash Daddy is wealthy beyond measure and the most colourful character in the book. Through him, Kingsley begins his journey in the world of 419 scams, conning people across the globe and discovers that he is quite talented in parting people with their money.
All of us have received these emails at one point or another and have ignored them with annoyance. But I am sure all of us have wondered about the people behind these regular annoyances and most importantly we have asked ourselves- does it ever work? This is your chance to find out.
that delves into the world of financial embezzlement. Set in Nigeria, it traces the life of Kingsley, a young man who, to help his family, enters into a world Nigeria has become known for around the world- 419 scams. The text is rich with proverbs, humour and complicated moral dynamics to explore the nature of not only 419 scams but also a Nigerian society that celebrates wealth and prominence, no matter how ill gotten.
Nigerian Adaobi Tricia Nwaubani’s first offering to the African literary world I Do Not Come to You By Chance is an exciting, fresh and insightful one
We meet Kingsley - the eldest son in a family of three – after he graduates from university with a chemical engineering degree but has been jobless for a year.
ear Friend, I do not come to you by chance. Upon my quest for a trusted and reliable foreign business man or company, I was given your contact by the Nigerian Chamber of Commerce and Industry. I hope that you can be trusted to handle a transaction of this magnitude."
Kingsley, who speaks very well and has great intuition, adapts to the scamming world rather well and is making money in no time. He soon has many ‘mugu’s’ - what they call the foolish white people who fall for their tricks- from whom he has a steady stream of revenue coming in. It is a very intricately built system, where one slowly siphons money from wealthy strangers with the promise of a large pay-out. They string them along, with just one more payment to make, then another until they realise they are being scammed. The system involves the police being paid to turn a blind eye, bank managers who get a cut for the transactions they approve and loyal employees who cover their tracks.
The moral dynamics of this criminal world and the society in which it thrives are questioned throughout the text. Kingsley is alienated by his mother for choosing this seedy way to make money, while he finally feels like a man for providing for his family. And even though everyone knows what Cash Daddy does for a living, he is a ‘big man’ and is worshipped by everyone he knows. He builds schools and hospitals, sends children to school and is the one who pays for Kingsley’s father’s burial. So we as readers are also drawn into this moral ambiguitywe have a desire to see Kingsley do well and cannot help but be drawn to Cash Daddy and his flamboyance.
“Dear Friend, I do not come to you by chance. I hope that you can be trusted to handle a transaction of this magnitude.’ All of us have received these emails at one point or another and have ignored them with annoyance. But I am sure all of us have wondered about the people behind these regular annoyances and most importantly we have asked ourselves- does it ever work? The book I Do Not Come to You By Chance ,is your opportunity to find out.....”
This moral ambiguity extends to the scams themselves. Nwaubani highlights a very interesting analysis of these scams by how she writes about the people who are susceptible to them. The ‘victims’ are shown to be greedy people from across the world, whose eyes shine and mouths drool at the thought of the large payouts promised for their ‘help’. They are portrayed as wealthy people willing to put in a little money in order to get more money from the transaction, but pretend they are providing assistance.
This portrayal highlights how easy it is to steal from these people in the West, because they do not think an African would be clever enough to scam them. They also still view Africa, as an easy place to steal from. Their ignorance of Nigerian politics works in the scammer’s advantage and at one stage we see Cash Daddy meeting with a ‘mugu’ in England and pretending to be a minister in the government of Nigeria, offering large contracts through the back door. There is a lack of compassion from the scammers that is clear, due to www.theafricanpro.com
the complicated nature of the relationship between Africa and the imperial forces. It is a dangerous business but Nwaubani’s wit and humour shines through with proverbs and quirky expressions that turn it into a light read, while providing an analysis of Nigerian society today. She also leaves us guessing at the end, when Kingsley opens up his own computer and internet services business. In the last scene, after showing his proud mother his reformed business ways, Kingsley answers his phone and it is one of his old ‘clients’. Is he still in the 419 business? This is a nice cliff-hanger from an exciting book that takes us into a world we have always wanted to see and understand. Nwaubani is a talented storyteller with keen eye for detail, I look forward to more of her writing.
Whose Right is it Anyway?
ometime in high school, I had the good fortune of being elected to the local provincial youth parliament. Granted, it was no more than a title, but one can always learn from such things. Case in point, on the day of our first and last sitting, a very prominent politician addressed us and defined democracy using a simple metaphor. He defined it as a two-way street that everyone was free to use but that could only work smoothly for the benefit of all users if each individual driver and pedestrian alike stuck to the rules and regulations governing such use. What he was saying was simple â€“ freedom only works if we respect that everyone else is free too. I remember little to nothing else of what he said, but I remember this.
In fact, that little metaphor has informed my understanding of rights significantly more than my law degree. I found myself thinking of it in my early twenties as I watched Tyra Banks conduct what, in my mind, was arguably the worst interview ever, with a self-professed and unapologetic escort. The young lady was absolutely clear that she had two college degrees, had been brought up in a happy healthy home, had never been abused and had elected to become an escort because she could earn a college graduate internâ€™s annual salary in a month. To her it was a no-brainer. Tyra, could not wrap her mind around the fact that an informed person might make anything less than the choice Tyra herself would have made. Despite, the young lady being crystal clear that her decision was not informed by emotional deficit, Tyra descended into a sad line of questioning with the sole purpose of www.theafricanpro.com
proving that her guest was broken so she could fix it. “I am sure you have issues with your mother. Did she abuse you? I can pay for counselling for you.” “Were you sexually abused? Maybe you repressed it? I can pay for counselling for you.” “I am sure you were raised in a home where you had to struggle for everything.” At the end of the interview, the interviewee had an irritated smile on her face and the interviewer was frustrated because she could not fit her guest into the boxes she had in her mind.
point. Her point boiled down to what I was doing was wrong because that is not what she would have done.
option to exercise that right one way or the other. They are not obliged to do what everyone perceives as morally right or just right. This is why voting is encouraged but not mandatory. This is why each one of us is entitled to choose to believe in God or a god but not obliged to. This is why people are free to choose to be sexually liberal or not. This is why an educated, independent woman is entitled to choose to look at pictures of beefy men on Instagram for entertainment. This is why being a feminist does not have to equate to burning my bra. This is why Samantha Brick should not have been attacked for electing to base her second marriage on what some viewed as archaic principles. Her non-negotiables are a choice that she is entitled to.
“Tyra Banks is not the first or the last person to interpret a right to mean doing right or doing morally right in her mind. In fact, very recently, a colleague assumed my fiancé and I live together. Aside from choking on her tea while spluttering out, “you’re kidding right!?” she also felt the need to inform me rather passionately, that this was no longer the Stone Age. When a person is granted a right, they are granted an option to exercise that right one way or the other....”
Tyra is not the first or the last person to interpret a right to mean doing right or doing morally right in her mind. In fact, very recently, a colleague assumed my fiancé and I live together. There is nothing wrong with that. It’s a common thing. What was interesting was her reaction to me stating that we have in fact, elected not to live together until after the wedding. Aside from choking on her tea while spluttering out, “you’re kidding right!?” she also felt the need to inform me rather passionately, that this was no longer the Stone Age and I was crazy to do that. In fact, in an effort to save me from myself she became quite aggressive about trying to get me to concede her
World wars are made of this fallacy. This is the one thing that Islamic and other religious extremists, burn-yourbra feminists and very many ordinary people have in common. When a person is granted a right, they are granted an www.theafricanpro.com
Perhaps we would all do well to take a step back and clean the lens through which we view life, of the layers of dust deposited by our own prejudices and experiences. A right is more than just an entitlement to any specific thing. It is a right to a choice in matters relating to the self.
WHY I NEITHER WATCH NOR SUPPORT
“Don’t get me wrong I am not saying that I want to see 15 black/English speaking players on the field. Not even remotely. All I want is a situation where it does not matter what you look like, or your heritage, if you have delivered, you have every opportunity to play in the green and gold and you cannot tell me that this has been happening. What makes this hit home even harder is the fact that this current coach has had the biggest pool of talent to choose from, some of whom just happen to have a higher melanin content than others...”
7/10/2015, 5pm, Twickenham. There’ll be a Rugby World Cup quarterfinal between South Africa
and Wales being played, a match I would dearly love to watch because I absolutely adore this game of rugby, but a game I will more than likely miss. I’ve had this conversation with a lot of people lately, so I decided to write about it. A year or so ago, I made a decision not to watch any Springbok games (unless they are playing against my All Blacks of course). Why some might ask? Those who know me will attest to the fact that rugby is ‘my sport’. Whenever I’m travelling, I make a point of finding out where and how I can watch a game no matter the time. But over the last few years of watching the sport, I have developed a growing dislike of the Springbok team and what I believe it represents, thus watching games has become more of an annoyance than a pleasure. I keep score of all their errors that go unnoticed by the refs and discount their good plays. I do not want them to succeed, and this so called togetherness that comes with their triumphs, GIVE ME A BREAK will ya! You only have to read the comments on sites like 24 (now no longer allowed) to understand the thinking of a fair number of Springbok supporters. www.theafricanpro.com
Before I continue, let me say that I do not have an issue with the Springbok players. They are talented, hardworking, good natured individuals who go onto the field to do their best for their country. What I do take issue with, is what I perceive to be a case of some people being more equal than others. I think I may have a case this year more than most. Here are a couple of examples of this; We have a player called Jesse Kriel, a very talented, exciting and competent player. This year, prior to playing international rugby, he plied his trade with Aplomb as a fullback. In Juan de Jongh we have a player with 14 tests under his belt and formed part of the best defensive centre combinations with Jean for a few seasons of super rugby. I can’t remember a time where he has let either club or country down. Yes, he has had an injury interrupted season oh wait, so have Willem Alberts, Lood de Jager and Peter-Steph. We have Lionel Mapoe, who was arguably the best outside centre in SA over the super rugby season - but wait he has never played a test, well neither had Jesse Kriel. Then we have the most influential and consistent fly half in SA this year, Elton Jantjes who couldn’t even make it to carry tackle bags. Willie Le Roux, a sublime attacking force, one of my favourite players to watch on a rugby
field- the only difference between him
centre, come wing, at the expense of
How can it ever be right that a coach
and Cheslyn Kolbe/Gio Aplon is purely
highly capable and talented wings. Both
names his first test side of 2015 which
‘experiments’ backfired spectacularly.
boasted 17 out of 22 Afrikaans/Bulls
To compound matters further, after
Don’t get me wrong I am not saying that
related players (I left De Allende out, because who cares what he is, the boy
competition is on equal footing? Is it to the woman he is with financially?” the man is the head of the home.” sure can play!) Not much has changed, to see 15 black/English speaking harder the team for the first RWC match is I want for men to adapt to a society Is it not a greater showing of strength “How can you expect the man to sit at the squad for Saturday’s is players on the field. Not even remotely. named,home the starting flank gets injured. in which a woman quarterfinal can be while you earn. Chai! againbeI amannotequal? saying give andOnce should Logic dictates bench warmer All I want is a situation where it does 18/22. Women ofthat today.the resign oooo!”
“The minority agreed with my view not matter what you look like, or your out Bok jerseys like Oprah gives gifts. The minority agreed with my that whether or not the guy was the Does the oft quoted biblical naturally step up. But no, instead, he is heritage, if you have delivered, you have I’m just saying that if a player who does view that whether or not the head of the home, the bills would still submission of the woman replaced by a player out of position. If every opportunity to play in the green not fit the ‘traditional Bok mould’ as I to holding back from guy was the head of the home, need and to gold be and paid and common sense extend puts up give you cannot tell me that this see it, he needed game timestill should outdoing thetheir man?hand, I may notthem a the bills would need you to not would suggest that the one earning to the be answers great too. rather put Schalk the bench because has been happening. What makes this chance know but I sincerely be paid andoncommon sense not.you Perhaps, the question would less should maybe can ignore this for love hit home resign.” even harder is the fact that this Surehope we know whatsuggest a beast that that the manone is? Then - who needs some game time - should
I should but be asking is -FOR Is society I can’t, LOVE OF current coach has had the biggest pool of country, conspiring to emasculate its men? Could to resign for the greater good of the On the basis that the man in question wing - generally reserved for people of of talent to choose from, some of whom COUNTRY! it be that in empowering women, we family? How is it being a good head of agrees with the majority, I suppose happen to the have a higher melanin the higher concentration in of thisthis justhome forgot to empower men to deal with it? to make family survive on less the melanin question at the root of all than your others. countryfor- was fullback, cometied content YAW PEPRAH to protect manhood (read ego). me given is, “Is to a aman’s manhood Is it harder to be a man when the into whether or not he feels superior CHAITWA MAMOYO earning less when shouldtheresign. there was the time position of
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GHaNA AWARDS SOUTH AFRICA 2015
n 7 November 2015 MayMay Production in collaboration with the Ghana High Commission, hosted the very first Ghana Awards SA at The Bryanston Country Club in Johannesburg. The red carpet ceremony was attended by a target audience of business leaders, political figures, member of the diplomatic corps from the Ghanaian and South African community. The night was hosted by renowned television actress Abena Ayivor and distinguished MC James Harvey.
The keynote address was delivered by Honourable Minister Lindiwe Zulu in which she emphasised the importance of providing small businesses with the correct tools for success. In her own words "small business means big business" and entrepreneurs are an important driver of the economy. She also encouraged stronger Ghana-South Africa business and trade partnerships. Some notable awards on the night
included: Ghanaian business making a difference in Africa: Akweni Project Management, Large business of the year: All Danquah, Small business of the year: Sheila Afari Group, Academic achiever of the year: Mr Augustine Twum as well as the various lifetime achievers in the fields of: academia, community service, entrepreneurship, health, and philanthropy. MayMay Production and the Ghana High Commission have extended their sincere gratitude to the sponsors of the event: All Danquah, Akweni Project Management, P&H boutique, Sankofa Insurance Brokers, Nasara Travel and Tours, Ayawas Technology and Amarte Photography.
Alex Kwesi Crassie
Akweni CEO, Anthony Afordofe
H.E. Ghanaian High Commissioner Kwesi Aliwoi
All Danquah staff from left: Barbara Benhura, Kofi Arthur and Ryna Snyman.
The winners in the various categories
Most Influential Individual:
Mrs Salome Asante
Most Popular Personality:
Ms Mimi Sao
Mr William Ayim Yeboah
Best Master of Ceremony:
Best Business (small/meduim):
Mr Franklin Kwesi Eghan
Sheila Afari Group
Best Hair Salon:
Best Media Personality:
Classique Hair Salon
Mr Alex Kwesi Crassie
Most Popular Church:
Best friend of Ghana:
Light House Chapel
Mr Batandwa Sukwana
Best Fashion Desiger:
Best Sponsor of Ghana event in SA:
Mr Kwame Bediako
Business Person of the Year:
Mr Tony Afordofe
Mr Augustine Twum
Best Company (Large): All Danquah Group Music Artist of the year: Palamo Black Star Support: Mr Yaw Twum Recognition â€“ Best business making a difference in Africa: Akweni Project Management Life Time Achievers: (academia, community services, entrepreneurship, health, humanitarian): Mrs Comfort Yeboah Dr John Kudjoe Mr Kofi Owusu Sekyere Dr Gilbert Anyetei Mr Sam Jonah Mr George William Dickson Mr Ralp Nii Okai Tettey-Amlalo
MONEYGRAM ZIMBABWE aCHIEVER AWARDS 2015
he 2015 edition of the MoneyGram Zimbabwe Achiever Awards in South
Africa were held on 7th November 2015 at the Hyatt Hotel. See below the
Community Organisation of the Year: Ibbamo Foundation and Youth Village Community Champion of the Year: Sibonile Zanele Chimanikire
full list of the winners in each category. Business of the Year:
Music Artist of the Year: Berita Khumalo
JM Busha Investments Female Entrepreneur of the Year:
Sports Personality of the Year: Willard Katsande
Lifetime Outstanding Contribution Award: Themba Ndlovu Academic Excellence: Prof. Vusumuzi Sibanda Peoples Choice Award: Luthuli Dlamini
Nomalanga Sitole Male Entrepreneur of the Year: Isaac Chalumbira Professional of the Year: Brian Sango
Simba Mhere Media Personality of the Year: Tatenda Kamera
Friends of Zimbabwe Award:
Personality of the Year: Ngugi Velly Vere
Young Achiever of the Year:
1. Tatenda Kamera 2. V. Musvaburi representing Berita Khumalo 3. Peter Soko, ZAA UK CEO 4. Leroy Gopal, event MC
NOMINATIONS OPEN FOR THE 2ND CEREMONY WHY TAKE PART? Measure your performance • Gain highly valuable media and PR Exposure Impress potential new clients •Raise your profile and create awareness Network with fellow professionals •Recognise your professional staff Attract top talent • Promote your profession and its values
All South African engineers, accountants, architects, project managers, quantity surveyors, management consultants and lawyers are invited to participate. Visit www.saproawards.co.za for further information or contact us on 011 251 6325. www.theafricanpro.com
WHAT DOES IT MEAN TO BE AFRICAN?
IN AFRICA, YOU GROW MORE THAN YOUR LIVELIHOOD. YOU YEARN TO THRIVE. African coffee is a language in itself: it is grown by storytellers capable of turning prose into poetry to connect people and create community. And like it, the people are bold. Their character is rich. They are a resonant presence. We are more than just an airline. We are African first. We are a proud carrier of its hopes, its dreams and its unlimited potential. If you are going places, so are we. Fly SAA. BRINGING THE WORLD TO AFRICA. TAKING AFRICA TO THE WORLD. www.theafricanpro.com
Published on Dec 7, 2015