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Irrelevant political impasses keep Africans destitute

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Tapiwa Gomo

By definition, democracy is a form of a government in which the supreme power is vested in the people and exercised by them directly or indirectly through a system of representation usually involving periodically held free elections. It also presumes that the people have the authority to choose their governing legislation. Some cornerstones of democracy include freedom of assembly and speech, inclusiveness and equality, membership, voting, right to life and minority rights.

Democracy places power on the people than the elected leadership. And the leadership that arises from democratic leadership is supposed to be servant leadership, which answers to the wills of the electorate.

It is a concept that rose to challenge many centuries of unchecked autocratic leadership which was based on either ascribed leadership of the monarchies or religious institutions of governance. The problem with this mode of governance was in its lack of guarantee that progenies or heirs apparent of these institutions would produce people capable of effectively running the affairs of a nation. Because of this astrictive nature, it meant that competition or alternative ideas towards national development were not allowed space.

While democracy has a much longer history, it gained momentum during the second industrial revolution when labour movements, academics and industrialists protested calling for the introduction of a people-driven democratic system of governance independent from traditional institutions of governance. Traditional government systems were seen as barriers to emerging capitalism, technological revolution and competition of ideas.

Modernisation, an offshoot of industrialisation, has become a pillar of social change and economic development. Once industrialisation is allowed to flourish, it triggers a penetration into all aspects of life of a society, creating social, economic and political opportunities, which together transform and improve the standards of life of a society. And these together result in self-reinforcing processes that transform social life and political institutions, empowering the masses to participates on issues to do with their lives – thus growing democracy.

In Africa, since independence, there has never been a time when the people’s political will has been respected and allowed to dictate the course of a country without powerful politicians meddling in the electoral processes. In fact, politicians have exercised more power over the people than the other way round. If political power retention delivered economic growth, perhaps, there would be less qualms, but most if not all the time, it delivers poverty and destitution.

In most cases, where people’s will be at logger heads with the powerful politicians, there has tended to be impasses which have held most countries’ progress hostage for no other reason than political power.

People argue, through the voice of the opposition parties, that they have disapproved the status quo through vote casting. They often appeal to the regional and international community to intervene and rescue their stolen wishes from the autocrats who wield the means of political power.

Once this happens, all doors to escape the political impasses shut as the sitting and yet unpopular governments claim interference by external forces in its domestic affairs and that becomes an excuse for adopting an arrogant attitude, human rights violations, plunder of national resources and a deliberate disregard for national development. Political opposition in Africa is the biggest excuse for plunder and abuse of national resources.

The international and regional community may be tempted to react by imposing sanctions on the sitting government as a means to force behaviour change, while funding civil society organisations to sabotage the sitting government into submission. Both sanctions and internal protests have had the effect of disrupting the normal functioning of a nation, but most importantly, they create a situation of insecurity which dissuades investment and economic growth.

A government whose power is sustained by plundered national resources is now pitted in a long standing battle with donor-funded opposition parties and civil society organisations. The tendency of investors has been to either wait until this battle or impasse is over, or fund one of the sides to access free natural resources. Again, the biggest loser is national development.

There are several examples of these impasses across Africa which perpetually block progress. In South Sudan, the major political problems oscillate between President Salva Kirr and his former vice-president Riek Machar. They often drag their tribes into what looks like personal differences to give it national significance. This has led some analysts to argue that South Sudan can only have a new and promising beginning if both leaders left the political arena. Zimbabwe is in a similar situation where the opposition, civil society organisations and the West are pitted against Zanu PF and the African leadership. And again, it can also be argued that if Zanu PF and the MDC vacate the political arena, Zimbabwe will see better days.

The challenge with these arguments is that vacation from political office must, in most cases, occurs through an electoral process which is managed by the same people who need to vacate political office. Democracy favours outcomes from its processes. It is these processes that African leaders have mastered and are manipulating to retain power. In the absence of an alternative mode of changing power, most African countries will remain in the throes of destitution because democracy is unable to rescue them from these impasses.

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Insurance firms lag behind on technology

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BY FIDELITY MHLANGA

A HUGE chunk of Zimbabwe’s insurance firms do not have software to analyse and debunk risks associated with their business, a survey conducted by African Actuarial Consultants has revealed.

The survey conducted under the Zimbabwe Integrated Capital and Risk Project (Zicarp), spearhead by the Insurance and Pension Commission (Ipec), seeks to bring about transition from capital threshold compliance to a more integrated framework that looks at credit, strategic, operational and insurance risks associated with Insurance companies.

The new framework is expected to improve the regulator’s oversight of the industry will focus on compliance based on risks associated with insurance firms.

“At least 62% do not have a software for analysing risks in their business. There is need for investment in technology resources in order to ensure adequate preparedness in the new regulatory regime,” said African Actuarial Consultants researcher, Tinashe Mashoko.

Mashoko was presenting preliminary results for the Zicarp study undertaken on local short term, life, funeral and reinsurance firms.

Zicarp was launched in March this year by Ipec and contracted African Actuarial Consultants to carry out a broad-based study among local insurance firms.

According to Mashoko, the study discovered that insurance firms board members were willing to embrace Enterprise Risk Management and cooperate with Zicarp when it comes in place.

While 96% of insurance staff members considered risks in their day to day operations, the study revealed that more training was required to capacitate employees.

“Sixty percent of insurance firms said they hold training, but the positive risk culture needs to be underpinned by regular training, not only at board level, but across all members.

Forty percent of firms who do not undertake regular training is too much a number. All organisations will need to invest in training to make Zicarp a success,” said Mashoko.

Nearly half of funeral assurers did not have risk committees at board and management levels, highlighting the need for the funeral sector to push for a robust risk governance.

Only 54% firms had documented policies and procedure manuals for managing material risk and 42% partially had, suggesting that the industry had challenges in implementing good corporate governance.

The research also unearthed that certain entities did not have documented framework for managing underwriting risk.Ipec director of pensions Josphat Kakwere urged insurers to give as much information as possible for the programme to succeed.

“Let’s do our best so that we develop the final template. By end of November we expect you to have completed,” said Kakwere.The entire framework is envisaged to be complete by February, 2020.

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Swords out for Mpofu over Bev

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BY WINSTONE ANTONIO

JAZZ crooner and Green ambassador Dereck Mpofu’s decision to engage the services of raunchy dancer and singer Beverly “Bev” Sibanda on his latest song Chimbozvizunza and its accompanying video have been met with mixed reactions from his fans.

In the video, which also features musician Baba Harare, Bev is seen doing her sexually charged dances.In response to some of the criticism on social media, where the video has been circulating, Mpofu hit back at his critics, saying the song was a dance track for club consumption and should be seen in that context.

“The reality is mentioning that you like me on Facebook without investing back into the music, does not propel my career further, especially people who could actually support by attending shows and buying our music. In fact, it has stunted my growth,” he said in response to a Facebook user who had questioned his decision to engage Bev.

Mpofu said he has spent the better part of his career creating patriotic, nation-building music and dropping just one bum-shaking song for clubbers should not be the basis for judging his music career.

Another user described Mpofu’s move as a bubble-gum approach to music, which could be disastrous as it could push away stakeholders such as corporates.

“While some of us have been following with admiration your music, these latest developments are a clear departure for the artiste that we known.“While life is all about making choices, this road that you have decided to take will lead to nowhere fast,” he said.

Others, however, applauded Mpofu for his gamble.“I feel my opinion and that of many others is irrelevant when it comes to growing your career and making difficult decisions. Whatever happens from here, whether good or bad you will learn from and grow,” said Christine Chitongo.

“Dereck Mpofu can tap into whatever pleasantries that tickle his soul for he is his own person and he is allowed to live his life as he pleases, just like we all are.”
Samantha-Lee Barker added: “Knowing him or following his career journey does not buy you any rights to his decision making.”

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England had no answer to the brute force of The Beast

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NewsDay

Yokohama — If this was the end, as The Beast (pictured) hinted it would be, then it was a perfect sign-off. Ten years after making his name by dismantling the Lions’ scrum, he repeated the feat against England to reach a glorious career peak.

His real name is Tendai Mtawarira, but South Africa’s iconic prop is known by the nickname which was entirely appropriate on Saturday. England had no answer to his formidable power.
Poor Dan Cole was subjected to a brutal ordeal, just as Phil Vickery had been in Durban in 2009. Back then, the Lions were destroyed in the set-piece battle, setting the tone for a series defeat. This time, England’s demise came about in much the same way. The Springboks’ third World Cup triumph was built in the scrum.

For Eddie Jones’ team, The Beast was tormentor-in-chief. At the age of 34, the loosehead rose to this grand occasion. It was his finest hour. When he was asked if it was the end of his Test career, he said: “I’ll probably be thinking about my future in the next few days. I’ll probably make an announcement then.”What a way to go, as the hero of this upset victory — this final mismatch.

Mtawarira was asked how he would have responded if he had been told beforehand that South Africa would win five scrum penalties before half-time. His reply was: “I would have said, ‘That’s too good to be true’.”

But it was true. He made it true. When the victors emerged from their changing room to discuss what they had done, it was The Beast who was most in demand. He was only on the field for 44 minutes, but his contribution was decisive.

“Rugby is built around the set-piece and our scrum went well tonight,” he said. It was quite some under-statement. “It’s something we’ve put a lot of focus on in the last couple of months and as a team we’ve made a lot of improvements.

“It was good to get a few good penalties up front and get the scoreboard ticking. The English have a great pack so they didn’t make it easy, but we managed to get the ascendancy we wanted.

“Our set-piece is a vital part of our game. It wins us penalties and it gives our whole team energy. Before the game, I was thinking that I wanted to scrum the best I’ve ever scrummed and give my team energy and inspire the guys around me.”

He did just that. The Beast emulated what he did in 2009. His work had the hallmarks of what Andrew Sheridan did to the Wallabies in Marseille in the 2007 quarter-final.

It is rare for scrums at Test level to produce such comprehensive outcomes. This was in that rare category. There were clues before kick-off that the Boks’ No 1 meant business.

When the South African anthem was played, the players in green belted it out with gusto. The cameras captured Mtawarira as he finished singing, eyes bulging and a look of focused intensity on his face. He was ready to wreak havoc, which is just what he did.

This was a glorious peak at the end of what has been a glittering career. He has now played 117 Tests and none will have given him more pleasure. He began his Test career just after the Boks won the 2007 World Cup, so all the years of hard graft since have been a quest to emulate that epic feat.

When the medals were handed out, none of the champions deserved one more.“It is amazing to be world champions,” he said.“’For my whole career, I’ve been working towards this. I’ve had a few tough lessons and great accomplishments, but every lesson I’ve had led to tonight and ultimately, I’m very proud of myself.”

On Saturday in Yokohama, The Beast was handing out the lessons and securing his greatest accomplishment. In the coming days, he is likely to announce his Test retirement. If he does, it will mean he has finished on the ultimate high.
— DailyMail

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Aspiring designer for exhibition

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BY CHELSEA MUSAFARE

ASPIRING designer Tadiwa Chimhowa is set to hold a solo three-day academic art exhibition on November 11-13 at Harare’s Netone headquarters under the theme: A New Dawn.

“The general definition of new is to recreate, to bring something fresh, unseen and unheard. Dawn is a day’s break which symbolises the start of a fresh day with fresh activities,” he said.

Chimhowa said she was inspired by everyday challenges, which she used to give new life to objects deemed useless.The Creative Art and Industrial Design student at Chinhoyi University of Technology said everything started with a design.

She said the exhibition, meant to usher her into the real world of design, was part of the practicals for her programme.The exhibition will bring together artworks of the different courses done since the beginning of my degree programme.

The designer said she exposed to various areas of art which helped inspire the artworks that are to be revealed in this exhibition.

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Zimra hits out at errant insurance firms

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BY TAFADZWA MHLANGA

THE Zimbabwe Revenue Authority (Zimra) has hit out to insurers who are not remitting insurance commission tax collected from freelance agents.In a statement published last week, Zimra said there were also insurers who are collecting commissions from unregistered short-term insurers.

“The commissioner-general of the Zimbabwe Revenue Authority has noted that some insurers are not withholding and remitting Insurance Commission Tax from freelance insurance agencies.

It has also been noted that there are insurance brokers and agents receiving commission from short-term insurers who are not registered for tax,” Zimra said.

“Freelance insurance agents are insurance agents or brokers who are not registered employees, of the insurer they transact with, for the purposes of collecting PAYE (Pay As You Earn),” Zimra clarified.

Zimra said the tax rate should be 20% of the commission collected by the insurers.“Insurers are required to withhold insurance commission tax from the commission paid to the agents or brokers. The insurance commission tax is calculated at the rate of 20%.

“For example, insurer VYT Ltd pays commission to a freelance agent Mr BD Hama of $1 000. The insurer is required to withhold 20% of $1 000 which is $200,” Zimra warned.

Zimra said the tax should then be remitted to Zimra by the 10th of the next month and that a REV5 Return from Withdrawal Taxes form must be completed and submitted to Zimra on the same date.

“A certificate should be issued to the agent or broker showing the name, address and BP Number of the insurer, commission paid and the tax withheld,” Zimra said.

Zimra also added that freelance brokers and agents were obliged to pay the commissioner general insurance commission tax in a situation whereby the insurer did not withhold or recover the tax as per request and register for tax purposes to get a business partner number.

Freelance brokers are also required by Zimra to submit income tax returns for each year of assessment by the due date advised by the commissioner in a public notice.

“Freelance brokers or agents are obliged to pay the commissioner-general insurance commission tax in instances where the insurer has not withheld or recovered the tax from him in the manner outlined under the obligations of the insurer.

“The freelance agent or broker should register for tax purposes and get a Business Partner number. He should submit the income tax returns for each year of assessment by the due date as maybe advised by the commissioner in the public notice,” Zimra said.

Zimra added that short-term insurers and life insurers who were registered in terms of the Insurance Act were exempted from Value Added Tax (VAT) on the insurance business they supply.

“Insurers registered in terms of the Insurance Act are exempt from VAT on the insurance business they supply. This applies to both the short term insurers and life insurers.

Freelance insurance brokers and agents are required to register for VAT and to charge VAT for the agency or brokerage service they render. A freelance agent or broker is required to register for vat where the value of their commission earned from short-term insurance is $60 000 or more in any period of 12 months. Once registered, the agent or broker must charge VAT on commission charged to short term insurers,” Zimra said.

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‘Corruption biggest economic sanction in Zim’

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BY STEPHEN CHADENGA

A TOP economist has said corruption was the biggest economic sanction obstructing the country’s development and urged government to introspect on its commitment to tackle graft.
Senior researcher at the Labour and Economic Development Research Institute of Zimbabwe, Prosper Chitambara, made the remarks in Gweru on Friday last week during a discussion with local journalists.

“Corruption is the biggest sanction in Zimbabwe and if we are to go back, you will realise that between 1980 and 2013, the country lost close to $50 billion through corruption,” he said.

“Corruption has increased the cost of doing business in Zimbabwe by 20%. Most of our problems are internal and not external and we continue blaming others for our (economic) failures. We cannot economically develop.”

Government has been accused of being half-hearted in dealing with corruption in the public and private sectors, a situation that has exacerbated the outflow of critical financial resources necessary to resuscitate the ailing economy.

President Emmerson Mnangagwa’s administration, however, maintains that sanctions imposed by the West are stifling economic growth.But Chitambara said any country had potential to grow even under sanctions provided it advocates for macro-economic policies that speak to socio-economic rights of its citizens.“Our economic challenges are largely self-inflicted,” he said.
Chitambara said Zimbabwe could use its relations with friendly countries to bust sanctions, but those countries could not even trust the government because of its poor record of fiscal discipline.

“We lack financial credibility as a country. We last received financial support from the International Monetary Fund and World Bank in 1998 because of our problems of settling external debts,” he said.

“Even the Chinese and Russians (whom Zimbabwe consider friendly) can’t trust us with their money.”

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Cultural awards a success

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By DARLINGTON MWASHITA

MATABELELAND Cultural Awards Trust last week hosted a successful cultural awards event at Amakhosi Township Square in Bulawayo to honour individuals and groups that made significant contributions to the preservation of culture.

The Umthwentwe Cultural expo came at a time the trust is preparing for the cultural expo expected to be held in Bulawayo early next year.

The trust’s chief executive Philani Ncube told NewsDay Life & Style that the event was graced by film directors, actors and authors who represented different cultures.

“We had 17 different categories of culture and I would like to thank those who supported the event,” he said.The cultural awards, were graced by Botswana traditional group, Dikgosi, which provided entertainment.

The trust promised to host the expo exhibition next year.“We are inviting exhibitors to come and showcase their cultural products and these include traditional dishes, traditional dances. Also those who can make traditional artifacts such as mats and especially local languages authors must come and revel their works,” he said.

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UN tells govt to nurture young innovators

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BY TAFADZWA MHLANGA

United Nations (UN) resident co-ordinator in Zimbabwe, Maria Ribeiro has encouraged government to make use of the country’s available human capital to reduce the high unemployment and develop the economy.

Speaking at the Launch of the Atlas Convention in Harare last week, she said government should assist and encourage young innovators to make use of their creativity for economic development.

The Atlas Convention is an integrated national-technology and economic transformation initiative that brings together government, private sector and academia to drive innovation with a global perspective that will help Zimbabwe attain world class industry standards.

“There is a very high unemployment rate in the country particularly among the young people and it is no longer like many other countries where going to university guarantees you a job afterwards.

“So the government should make a commitment to engage with those young people so that they can find and make innovative contributions to the development of the country and be able to sustain their families,” Ribeiro said.

“Let us encourage the young people to be ambassadors of innovation and creativity, for the development and improvement of Zimbabwe’s economy,” she added.

Ribeiro urged government to sponsor research programmes for young people to come up with practical solutions to the economic problems which the country is facing.

“Countries have problems and we all know that. Zimbabwe has several problems from climate change, drought, but they also come from the economic situation due to a legacy of economic policies which perhaps have not yielded the kind of economy that we have all wished.

“We see the challenges in terms of the high unemployment rate, the health service and the food security in the past two years due to the climatic shocks like El Nino, Cyclone Idai,”
“So, we would very much encourage the innovators to look at these challenges and find out how practically they can solve these problems. The government should support research on practical innovations that can help solve these challenges, particularly in the health sector and food security,”

She also added that government should be transparent in the use of its vast resources.“Zimbabwe has many resources like minerals, its agricultural tradition and it is also a very beautiful country that attracts many tourists and it should make good use of them for the development of the economy through creativity and innovation.

“However, the government should be transparency in the use of these resources in a most sustainable way possible and in an inclusive way,” she said.

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‘Zanu PF, govt must pay ZBC for live broadcasts’

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BY VENERANDA LANGA

PARLIAMENT has recommended that the struggling State broadcaster Zimbabwe Broadcasting Corporation (ZBC) must be supported through the fiscus and that it must be paid for outside coverage of national events at a rate of $102 000 per event by Treasury.

The recommendation was made by the chairperson of the Parliamentary Portfolio Committee on Media, Prince Dubeko Sibanda on Saturday last week in Victoria Falls during the 2020 pre-budget seminar.ZBC has often covered live State and Zanu PF events amid reports that such coverages were not paid for.

“ZBC must be a grant-aided institution and must be supported by the fiscus so that it effectively plays its role as a public broadcaster,” Sibanda said.

“The corporation humbly requested other government departments and ministries to pay ZBC for broadcasting services invoiced and rendered, and a budgetary allocation for coverage of national events may be made available on a cost recovery basis of $102 000 per event through Treasury.

“Currently, ZBC is owed over US$16 million for services provided to other government departments and ministries,” he said.

Information minister Monica Mutsvangwa said she had discussed with Finance minister Mthuli Ncube about the problems at the State broadcaster, including salary arrears.

Sibanda added that whenever Parliament proceedings are screened live on ZTV, it must also have a budget to pay the State broadcaster $102 000 per session for it to be viable so that journalists there get paid a decent salary.

Additionally, the Information and Media committee report said US$2,2 million ($33 million) is needed to purchase a fleet of 60 cars and 13 mini buses for the State broadcaster.

“These vehicles are required for content generation for the 24-hour news channel and the proposed five additional TV channels and 13 mini buses for content generation crew and licence collection operation for the digitisation programme. Two high definition OB (ouside broadcasting) vans are needed to enhance content gathering processes so that they change quality of programming on the single television channel currently running,” Sibanda said.

The committee said a preliminary report by the African Union Election Observer Mission noted that there was need for the State broadcaster to guarantee equal access to all political parties and contestants during elections so that there is balanced reporting and a pluralistic media.

“However, these recommendations were not implemented. The media environment still remains largely polarised. Additionally, Zimbabwe’s public institutions are still far from fulfilling their roles as holders of information that should be released upon request and in the public interests. This risks the Zimbabwe is open for business mantra as business invests and thrives in an environment where relevant information is readily available,” Sibanda said.

The committee said there was need for changes in legislation, technological advancements that will match with the fast evolving digital technology and the need to deal with uncertainties brought by cyber security threats and the welfare of journalists and viability of media houses at a time inflation is fast eroding capital and incomes.

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