FREE SEPTEMBER 2010

CONSUMER
Y
NEWS
O U R V O I C E

Debt
and

Taxes
KFC cash Bread &
“Everyone needs a little...”
loan Butter
more
chips trap price
breakdown
ISSN: 2026-710X w w w.consumernewsnamibia.com
 Understanding the MVA Fund

How to claim from the MVA Fund The Claim Process

1. Crash Occurs
The Fund operates on a “no-fault” based system where 2. Call centre is notified
all people injured in motor vehicle accidents, regardless 3. Call Centre dispatches Ambulance
of who caused the accident, receive fair and reasonable 4. Injured person is treated at the most accessible
benefits, subject to some limitations and exclusions. medical facility
5. MVA Fund issues GOP – next working day
This effectively means that all persons injured and 6. Case Manager undertakes hospital visits & issues
dependants of those killed in motor vehicle accidents claim form for submission by injured person.
can claim and benefit from the MVA Fund. 7. Injured person is discharged from hospital
8. Injured person submits claim form
Road users are encouraged to report all accidents 9. MVA Fund assesses claim and processes payment of
involving motor vehicles through the MVA Fund Call injury grant if applicable
Centre using the Accident Response Number: 0819682, 10. MVA Fund communicates medical undertaking
in order to receive prompt emergency response and outcome of assessment
subsequent medical attention. 11. Case Manager obtains progress medical reports
from specialists
Claims should be submitted immediately after the 12. Case Manager drafts & implements rehab plans in
accident. For accidents that occurred prior to 02 May consultation with claimant
2008, claims should be submitted no later than 30 April 13. Treatment is provided
2011. Once a claim is received, it is registered on the 14. Claim is either closed or further rehab is provided.
Fund claim system and assessed based on the merits of
each case. For more information, please contact any of the MVA
Fund Service Centres in Windhoek, Ongwediva and
The following process provides an outline of how claims Rundu.
are received and processed by the MVA Fund.

MVA Fund Service Centre Ongwediva MVA Fund Service Centre Windhoek MVA Fund Service Centre Rundu
ERF: 6325, 6326, P.O. BOX 3669 8495 Church Street, P.O. BOX 25158, Eugene Kakukuru Road, North Gate Building, Shop No.11
Tel: +264 65 234 060/1, Fax: +264 65 231 613 Tel: +264 61 289 7000, Fax: +264 61 241142 P.O. BOX 899, Tel: +264 66 255 826, Fax: +264 66 256 859
Visit our website: www.mvafund.com.na
 CONSUMER
The Team NEWS

Publisher
Consumer News Editor’s Note

Printed by
John Meinert Printing The team at Consumer News are very excited about this issue as we
have some great local issues to report back to you. We receive many
Distribution by
Nampost Courier complaints from shoppers in Windhoek and beyond. This month we
investigate a VAT complaint. Are local supermarkets adhering to
Design & Layout the rules? We find out more. We also tackle the thorny issue of the
Elisha Chambara
amount of chips you get at the KFCs in Namibia. We compare a Two
E-mail: elisha@consumernewsnamibia.com
Piece and Chips from Canada to our own Streetwise Two and you
Cell: 081 377 4344
will be surprised at the results. Namibia’s consumer groups contribute
Journalists on local issues, VAT and credit management. This month we also
Victoria Kangombe welcome the Namibian Standards Institution and Victoria Kangombe
E-mail: wordsmithstress@gmail.com
as regular contributors and we are very pleased to have them aboard.

Rob Parker Your feedback propels us to excellence.

E-mail: rob@consumernewsnamibia.com Please email us at info@consumernewsnamibia.com
Cell: 081 621 0524

Lynette Magaramombe
In the April edition of Consumer News we incorrectly stated that the tariff on electricity
Cell: 081 423 0181 was increased 35% by Nampower. The tariff rate approved by the Electricity Control
Board was actually 18%. We apologize for any inconvenience or misunderstanding we
Marla Chaneta may have caused.
E-mail: marlachaneta@yahoo.com
Competition Winners ...
Denver Isaacs We are pleased to announce our contest winners from August

congratulations
E-mail: denver@consumernewsnamibia.com
Bokomo Hampers: Checkers Vouchers:

Business Development Manager Monica Sem Moekie Kemp Isabella van Wyk - 1st Prize
Jacques Nieman Festenuis Angula Zelna van Eeden Rina Nawises - 2nd Prize
Ervin Tjihovu Joey van Wyk Faith Munyebvu - 3rd Prize
E-mail: jnieman@consumernewsnamibia.com
Simon Amupanda
Cell: 081 203 7180

Photography You deserve more ...

Norman Skrywer
Email: norman4all@gmail.com Our mission is to create a platform for you the Namibian consumer, who strives to see
Cell: 081 430 4003 improvement in the value of goods and services and are savvy enough to spot misleading
advertising and poor quality products and services. You deserve more, and together we
have power in numbers, so we welcome your contributions, feedback, acknowledgements
Leitago /Narib and your voice on products and services that need our investigation.
E-mail: leitago@yahoo.com
Cell: 081 363 2712

Contact details
Consumer News Namibia Consumer Protection Group: Milton Louw. E-mail: miltonlouw@gmail.com
PO Box 96366 Namibia Customer Service Institute: Jon Allen. E-mail: csinstitute@iway.na
Windhoek, Namibia Website: www.namibiacsi.com
Tel/Fax: +264 61 228 196
Namibian Consumer Lobby: Bob Ziekenoppasser. Tel: 064-461 461 or 081 284 8000
Namibian Standards Institution: Tel: 061-386 400 / Queries: query@nsi.com.na
Enquiries
info@consumernewsnamibia.com Website: www.nsi.com.na

CN 01
contents
table of

Feature

VAT for the vigilant consumer

04
Comparison Shopping

Staple products & VAT

12
Editorial

KFC
We get chippy with KFC 07
Victoria Kangombe
On quality service 10
Denver Isaacs
Debt and the pay day loan 08
NSI (Namibian Standards Institution)
Outline their mission 14
NCPG (Namibia Consumer Protection Group)
Manage your debt 25
NCSI (Namibia Customer Service Institute)
Customer expectations 20
Entertainment

Sitting with Tsitsi

28
International

Cash loans International

31
Sports

Soccer
Preview of the Namibian Premier League 32
 how about
A LIT TLE MORE OF THIS... A N D A L I T T L E L E S S O F T H AT ?
element creations / tn / how / 2010

T E A M N A M I B I A M E M B E R S A N D S U P P O R T E R S C R E AT E LO C A L W E A LT H .

T E A M N A M I B I A . B E N A M I B I A N - B U Y N A M I B I A N . C R E AT I N G J O B S . S U P P O R T I N G LO C A L B U S I N E S S .

www.teamnamibia.com
 VAT
editorial

Investigated
T
his month we received an inquiry about whether super-
markets are correctly exempting staple items from Value-
Added-Tax (VAT). Consumer News took to the streets to
find out what the situation was. We visited Pick ‘n Pay,
Shoprite and Checkers, Woermann Brock, Tre Supermarket and
Superspar and purchased these items from every store for price-
comparison and to check out the VAT scenario.
We examined the receipts from each of these stores and came to the
conclusion that, as far as the receipts indicate, all the stores listed
the VAT-exepmt items with an asterix and is tellied under the zero-
rated VAT section at the bottom of your receipt.
Consumer News also made the effort to get in touch with Inland
Revenue who provided us with the amended 2010 list of all basic
necessity products listed as VAT-exempt items.
We urge all consumers to be vigilant and check their till slips when
leaving the supermarket. Most importantly consumers… do not be
shy or afraid to ask the store supervisor for an explanation on any
item that you may deem suspect!
As this particular issue relates to all Namibian citizens, Consumer
News refered this to Mr Bob Ziekenoppasser from the Namibian
Consumer Lobby, whom has put together an interesting viewpoint.

Elizabeth writes to Consumer News:

“I have a concern I want to bring to your attention, please direct me to the right
people if you are not responsible for this. After VAT was exempted from commodities
like milk, bread, sugar, cooking oil and others, there are some shops like Pick & Pay
and Shoprite that charge customers VAT on these commodity items. If you check
the receipt after buying these commodities, they indicated a harsh which means
that it is a non-taxable item, but there is VAT indicated under non- taxable item and
taxable item. The total price you will pay is including the two VAT amounts. I com-
pared Shoprite and Pick & Pay receipts with the one for Tre Supermarket, but Tre is
not charging VAT on non-taxable items.

Please advise me on this, maybe I do not know how the VAT works.
Thank you
Concerned consumer
Elizabeth

Listed below are the items that are exempt of VAT as is defined in section 1 of the Customs and Excise Act:

• Supply of mahango, mahango meal or maize meal, but does not include these items when furnishing or served as a meal
or as cooked or prepared food
• Supply of electricity, water, refuse removal and sewerage to a residential account
• Supply of fresh and dried beans (excluding canned and frozen beans), sunflower cooking oil, fried out or processed
animal fat used for preparation of food, bread and cake flour (sifted or unsifted) and bread, but does not include these
items when furnishing or served as a meal or as cooked or prepared food (added by Section 1 Act 4 of 2008)
• Supply of dry white or wet or dry brown granular sugar, and or fresh milk (added by Section 6 Act 4 of 2010; effective as
from 1 May 2010)

04 CN
%
VAT c o n t .
Namibian Consumer
Lobby on
T
he Consumer Lobby and the Namibian consum-
ers are extremely grateful to the government for
exempting various basic commodities from VAT.
Sad but true, whenever an Act gets past in
Parliament, the infrastructure such as trade inspectors are
extremely inadequate to control, if the Act is adhered to,
thus resulting in the consumer not benefiting the full 15%
that should have been deducted from commodity prices.
Since Namibian consumers are not price-conscious, many
shops and supermarkets either do not deduct the VAT, or
only deduct a few percent. This results in the consumer pull-
ing the shortest end.
This stops no outlet to merely move a VAT-exempted article
on the tally roll and computer to a zero rate-category with-
out properly deducting the full 15% VAT. For the client who
reads their till slip will be satisfied that it is exempted, but
little do they know that the price of the product has remained
unchanged and in some cases increased. To give an exam-
ple; a brotchen before exemption costs 90c, after exemption
this should be selling at 75c. I have failed to see any outlet
currently selling brotchens at that price.
When asking the prices, the reply mostly is that “we just
had a floor price increase”. The abovementioned example
applies to other exempted commodities too. The time has
come, perhaps is seriously overdue for guidelines to traders
and especially small and micro companies to enact a clause
that no trader may sell without handling the client a proper
till slip, containing the outlet name and telephone number,
products sold and total sold, VAT included and excluded.
Too many traders are getting away with murder, to the detri-
ment of the poor consumer. It should also be noted that many
bakers are not familiar with the exepmtion on the floor. One
will find that as soon as they add some seeds to the bread
or include an absolute minimal amount of raisins in a loaf
they keep the price as per before exemption. There seems to
be no guidelines as to what amount of raisins a loaf should
contain, in order to call it a raisin loaf. There also does not
seem much control on the weight of bread and brotchens.
CN 06
VAT Founder: Bob Ziekenoppasser
Weight of the above-mentioned differs from shop to shop
and shockingly with lots of grams. When will the ministry
dealing with weights and measures employ more inspectors
for all the regions in Namibia? It would have been wonder-
ful if the government would have exempted VAT from tradi-
tional milk products such as Omaere and Oshikadela which
are basic necessities for many Namibians.
Another point to ponder is when the Ministry of Mines an-
nounces a petrol price increase commodity, prices shoot up
overnight even before the implementation date of the petrol
price increase.
Consumers please take note of the following:
• Advertisement that reads “With us you Save”.
Save What? Since you always pay for products
and leave the shop with less money in your pocket.
• You can buy a product on HP without paying a
deposit. This deposit figure is always calculated
into your monthly repayments WITH INTEREST.
• Watch out for products that are priced at “3 for
N$20” or “3 for N$15” etc. Psychology tells us
that shops benefit greatly on their monthly sales.
YOU MAY PURCHASE ONE ONLY!!
• Be aware of “Specials”! 50c or 70c off is often
used on specials, you are saving nothing basically.
What is 50c or 70c in 2010?
CONTACT
Bob Ziekenoppasser
Tel: +264 64 461 461
Cell: +264 81 284 8000
NAMIBIAN CONSUMER LOBBY
 editorial

KFC...Where are our Chips?

Canada KFC Namibia KFC

Namibia KFC Namibia KFC

I
n a world where consumers can lose their homes due to sub-
prime mortgages and fake HIV drugs sold openly in the me-
dia; this is not the most important issue in the world. It will
not truly harm you or endanger you or your loved ones in any
way, but we hear about it all the time. It is the fact that we do not
receive our fair share of chips at Kentucky Fried Chicken.
Consumer News decided to investigate whether this is a KFC
problem worldwide of whether this is a phenomenon unique to
Namibia. Towards that end, Consumer News enlisted a volunteer
from Canada to go to their local Kentucky Fried Chicken and check
out what KFC offers consumers for their money on that side. We
were surprised to find that when you buy a two-piece and chips in
Canada, you actually get chips, and a good portion of them.
We have heard the complaint so many times here; “I went to the
KFC drive-through and only got 5 chips” and we decided to check
for ourselves. We went to KFC, both of them in Windhoek, twice
each, and ordered a two-piece and chips (Streetwise two). We
found that while we did get more than 5 chips, it was not much
more. We found 20 chips, 21 chips, 13 chips and 15 chips respec-
tively. We were pleased that KFC did not try to stiff us with only
five chips, however, we were very disappointed to see that we re-
ceived about half the chips we would have gotten if we were in
Canada, for about the same price.
Consumer News is aware that one of the foundations of any fran-
chise is the notion of uniformity. This means that in every outlet,
things are the same. Advertising, outfits, and portions etcetera,
down to the last detail. We acknowledge that there may be excep-
tions to the rule that are justified. It makes sense, for example, for
KFC in Dubai to be halal, or in Tel Aviv to be kosher, but there is
no reason that we can see for being stingy with the chips in Na-
mibia. So why the discrepancy? Why more chips in Canada than
in Namibia?
We spoke to local area manager at KFC and ….. told us this….

Hi Rob,
Thanks for bringing this to my attention.
To give you some insight – we are part of a franchise company and we are operating under stringent rules and regulations that we
have to abide by in almost all aspects of our business with procedures and standards being two of the key components. From what I
have observed, our portions do not differ from those in the pictures you have sent to me in any significant way. With this being said, I
would like to add that we always strive to give our customers the best value for money. Regarding the Canadian operating procedures,
unfortunately I cannot account or comment on this as I’m not directly linked to them in any way.

Kind regards
Rudi

CN 07
N$
editorial
Cash Loans:
Quick fix or
debt whirlpool
T
he description evokes images of
chain-smoking baseball bat wield-
ing brutes and broken car windows.
The guys who you have always been
warned not to ever borrow money from,
lest you’ll soon find yourself paying back exorbi-
tant interests on a measly sum borrowed, or as some
claim has happened to them, caught up in a vi-
cious cycle of never-ending debt and enslavement.
Today, the term stands replaced by the euphe-
misms, “quick loans”, or “cash loans”, and un-
like underworld extortionist outfits, operate quite
openly and under the law (those registered at
least) in some of the most populous parts of town.
But even so, claims of impossible interest rates and re-
pay dates as well as security risks due to bank cards be-
ing reeled in, continue as unabated as the rate at which
society continues to support these micro-lending outfits.
“I had an emergency once and going to a cash loan
was really my only way out,” says Christo Cloete*
“They helped me pretty nicely, but that paying back
was something else. There’s no paying off over a cou-
ple of months. I had to pay them back the next month
end, and they kept my debit card to withdraw the mon-
ey themselves. But they give you all your (ATM) slips
so you know exactly how much they take,” he says.
In Cloete’s case, the amount owed was more than his
daily teller limit, so the cash loan company held onto
his card for two days until the amount was paid in full.
In a quick telephonic survey, Consumer News con-
tacted three listed cash loan companies to find
out their requirements when taking out a loan.
All three had the same criteria.
“We need three months worth of bank state-
ments, a pay slip and your Bob card,” the opera-
CN 08
?
By Denver Isaacs
tor at Pay Day Financial Services told this reporter.
Interest rates across the board were said to
be charged at 30 per cent, which is the abso-
lute maximum under the country’s Usury Act.
The Usury Act sets a limit of 30 per cent inter-
est per annum on loans less than N$10 000, and
27 per cent per annum on loans above N$10 000.
In 2004, the Bank of Namibia (BoN) published
a study which promoted the idea that micro-fi-
nance institutions are a necessity in order to pro-
vide financial services to rural people and the
poor who have no access to formal banking.
The study, titled PROMOTING MICRO-FINANCE
ACTIVITIES IN NAMIBIA: A REGULATORY
AND SUPERVISORY PERSPECTIVE, names
cash loan companies among the six categories of in-
stitutions that may legally provide micro finance.
The six categories are banking institutions regulated
by the central bank; public financial corporations reg-
istered under special acts; Savings Cooperatives reg-
istered by the Ministry of Agriculture; NGOs, and
non-banking institutions regulated by Namibia Fi-
nancial Institutions Supervisory Authority (Namfisa).
At the time, Namfisa stated that about 100 micro-
lenders had been in existence throughout the coun-
try, with 80 of these being registered with the body.
These, Namfisa said, were based most-
ly in urban centres and offered lend-
ing primarily to people who earned salaries.
It also made note of informal money-lenders who did
business without being regulated or officially recognised.
These, reportedly one-man operations, are claimed to
pop up among employees at retail and other compa-
nies, while allegations of at least one primary school
teacher at a Windhoek-based school operating a cash
>>
$
editorial

?
loan service for fellow teachers, parents and the public
at large during school hours have also made the rounds.
Questions sent to Namfisa regarding their view
on cash loan companies, the confiscating of
bank cards and making use of private pin-codes
of borrowers, as well as the general regulat-
ing of these companies, are still awaiting a reply.
Still, regardless of the broader perception around
cash loan operations, their popularity undoubtedly
points towards the reality of supply and demand.
“People come to us for various reasons. Some say they
have a death to deal with, others for their own pur-
poses. If you apply for a loan at the bank, they ask
you all types of questions. I don’t ask questions. As
long as you can assure me that you can pay me back,
you can have your money in half an hour,” says Albert
Piechazek, owner of Quick Loans Pika in Windhoek.
“It’s not legal. But tell me how else do you suggest we
do it if that’s the only way the guy can pay?”
The company has various means of collect-
ing their earnings, including cash cheques signed
by customers, debit orders, direct payments into
their bank accounts, and with First National Bank
(FNB) cards at least, the swiping of their cards.
Hanging on the company’s entrance wall is their
certificate of registration with Namfisa, as well as a
Namfisa complaints box where any grievances, even
against other cash loan companies, can be leveled.
“Namfisa takes one per cent of every transaction,” Pi-
etchazek says, adding that as a registered company,
they get audited by the authority body every other year.
“Although we’re still waiting on the results of the last
audit,” he says.
*name has been changed to protect privacy

Quick Loans Pika is one of the oldest op-

erating cash loan operations in the coun-
try having been around for the past 20 years.
And in that time, Pietchazek says they’ve had to
deal with many a customer that threatened their
operations, rather than the other way around.
“It’s a risky business. You get guys who bring you
expired cards, and references who swear that, yes
the guy works for him and earns this amount of
money, but then you find out it is all lies,” he says.

Another problem with going to the ATM with stacks

of bank cards in one hand and a list of pin-codes
in the other, Pietchazek says, is armed robbery.
“It’s not so much a problem nowadays. We have armed
guards accompany us,” his manager DennisAdonis, says.

“It’s not legal. But tell me how

else do you suggest we do it if
that’s the only way the guy can
pay?”

The company has even taken over debt

from their competitors, Pietchazek says.
“We’re all connected to automatic bank services like
the South African ‘Compuscan’, so we’re able to see if
a guy is trying to make new debt with us while he still
has outstanding debt at another company,” he says.
Asked about the controversial practice of taking
people’s bob cards, Pietchazek shrugs his shoulders.

CN 09
 editorial
Service feeds service; no one
is more equal than others
M
any a time we would hear ladies complaining about
the durability of their artificial nails: “I just got these
done a week ago and they are already falling off.”
That is when we are not listening to someone com-
plaining about their laptop that seems to be acting up a day after re-
ceiving it back from the computer technician. The worst is a patient
who visited a state clinic and had to feign collapsing just to catch
the attention of the nurse.
One wonders if those ladies know that salons should have an af-
tercare service. Salon clients should in actual fact be advised to go
back for a ‘retouch’ after a certain period, or should at the very least
be advised to purchase a DIY aftercare kit of some sort. IT guys
are notorious for intentionally using IT jargon to confuse clients.
Hearsay has it that it is a tactic to ensure that clients keep coming
back. It is despicably discourteous to monopolise knowledge; it is
a diabolic tactic to intentionally not alert someone to what is faulty
with their product. We all know this, but we choose to be silent; we
are consumers, we are always right after all, right?
Consider this: during the days of bartering, the attitude was that ev-
erybody has something that another needs. Thus everybody’s needs
were equal, none more equal than the others’. This implies that a
retailer needs your services in order to keep offering you their ser-
vice, or less bluntly, service feeds service. Unfortunately, as world-
ly ways shifted, some people became more equal than others; the
barter-day attitude transformed to the customer always being right.
What does this translate to? That the retailer is always wrong?
Does this not imply that a toxic dose of uneven power has been
poured into the merchant-punter relationship? Ironically, this dose
concentrated the power in favour of the party that is expected (ac-
cording to the doctrine) to be submissive, the party that is suppos-
edly not always right.
Truth is, because we, the consumers, have been made to think that
we are always right, we naively assume that the retailer will always
do what is right for us. Along with that, we have surrendered the
power to choose what we feel and believe is right for us. Does this
not allow the retailer to adopt a lax attitude towards quality service
provision? If there is any great danger in the retailing world, it is
to surrender your right to receive what is rightfully yours – superb
products and services.
10 CN
As a consumer, you only really own three intangible assets in the
buyer-seller relationship – your emotions, an opinion, and your
rights. In fact, you only own two things because you allow for your
(abundantly available) rights to be rationed to you. Out of fear, we,
as consumers, have come to accept mediocre service as the ‘best
thing ever to hit the shelves’. The best? Really? Perhaps it is time
to reassess this merchant-punter relationship.
You have rights as a consumer, abundant rights in fact. You espe-
cially have the right to demand for top-of-the-range products and
services. It is to enforce that right that organisations such as the Na-
mibia Customer Service Institute (NCSI), the Namibia Consumer
Protection Group (NCPG), the Namibian Consumer Lobby (NCL),
and the Namibian Standards Institution (NSI) exist. It is especially
because of your fear to demand what is rightfully yours that the
Consumer News exists – we want to be your anchor.
Consumer News will be running a series of articles on the type-
and quality of services that the average consumer should be receiv-
ing from service providers. We will initially focus on government
agencies and SMME’s as the most publicised complaints come
from these least-reactive-to-complaints and slow-to-improve sec-
tors. These entities are not exempt from offering quality services
– being a country’s major ‘supplier’ does not excuse bad services
and products, nor does having limited funds and being a start-up.
As was earlier mentioned, your service feeds another’s service,
why would you want to exchange your top-of-the-range service
for mediocre service? Consumer News requests your assistance in
assessing, with intention to improve, the quality of services offered
to you. This forum is missing your voice, let’s hear it.
By Victoria Kangombe
E-mail: wordsmithstress@gmail.com
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comparison shopping

T
he staple items purchased for this story were donated
to the Khomasdal School for the Visually Impaired, of
whom 72 are children from across Namibia who may not
otherwise have access to a quality education. There are currently
96 learners studying at the school with 72 of them staying at the
hostel. Approximately 80 per cent of these learners come from
rural areas outside Windhoek. This creates many challenges for
the school. The school sometimes find themselves in a position
where they have to pay for toiletries and clinic fees for these
students. Support from the community is welcome. Should com-
munity members wish to donate to the Khomasdal School for the
Visually Impaired, please contact them on (061) 217 971 or fax
(061) 217 978.

Khomasdal School for the Visually Impaired

 Comparison Shopping

COST
COMPARISON
Farm Fresh long life milk N$13.99 N$12.79 N$13.99 N$14.95 N$13.99 N$13.95
Salt- Light flow N$3.29 N$3.49 N$3.25 N$3.29
Sugar- Sugar king N$14.69 N$18.99 N$15.49 N$19.99 N$14.69 N$13.49
Bread- White N$5. 55 N$5.99 N$6.99 N$8.25 N$7.49 N$7.99
Brown N$5.19 N$5.99 N$6.49 N$8.50 N$6.79 N$7.69
Cooking oil N$10.79 N$9.49 N$11.49 N$10.79 N$9.95
Brotchens N$0.89 N$0.85 N$1.00 N$0.95 N$0.89 N$1.00
Mealie meal- Top score N$18.49 N$15.99 N$19.49 N$18.95 N$18.49 N$16.75
Chicken 1,5 County Fair N$23.99 N$31.95 N$23.99 N$26.95
Eggs 18 N$29.39 N$29.35 N$29.99 N$27.99 N$29.39 N$30.49
Sunlight dish liquid 750ml N$19.49 N$22.49 N$21.99 N$20.95 N$19.49 N$17.99
Omo washing powder 2kg N$41.99 N$51.99 N$42.95 N$41.99 N$47.69
Potatoes 7kg N$49.99 N$69.95 N$64.95
Rice- Tastic N$21.99 N$21.99 N$25.99 N$28.95 N$21.99 N$27.75
Tea- Red rose 100 bags N$25.49 N$19.99 N$25.49 N$41.95 N$25.49 N$24.49
Coke 2 liters N$15.79 N$15.79 N$12.99 N$14.00 N$15.79 N$13.99

Tomato sauce- All gold 750ml N$12.99 N$13.99 N$17.99 N$15.95 N$12.99 N$14.75

Margarine- Original Rama N$15.49 N$11.99 N$14.99 N$9.95 N$15.49 N$15.99

300g
Macaroni 3kg N$44.99 N$38.99 N$34.99 N$44.99 N$35.60

Peanut butter Black cat 400g N$17.59 N$14.49 N$16.99 N$17.95 N$17.59 N$16.95

Mayonnaise 750ml C&B N$14.99 N$14.75 N$21.99 N$18.95 N$14.99 N$16.89

CN 13
 editorial

&Food Safety
Consumer Protection

C
onsumer protection and the Namibia became a member of Codex Alimentarius Commission
(Codex) in 1999. Codex was established in 1962 to protect the
safety of consumer goods is an health of consumers and at the same time to ensure fair practices in
international concern. Since the food trade by promoting the harmonisation of food standards
applied by the various members of Codex.
attainment of independence for
The following food safety legislation is applicable in Namibia:
Namibia, there has been a desire to moder-
nise the regulatory system for food safety. o The Public Health Act, 1919 (Act No. 36 of 1919)

International trade is governed by various o The Foodstuffs, Cosmetics and Disinfectants Ordinance,

international trade protocols and agree- 1979 (Ordinance No. 18 of 1979)

ments that are aimed at ensuring consumer o The Meat Industry Act, 1981 (Act No. 13 of 1981)
health and safety as well as that of the en- o The Control of the Importation and Exportation of
vironment, internationally. Dairy Products and Dairy Product Substitutes Act, 1986

This does not prevent sovereign states to impose additional health (Act No. 5 of 1986)
and safety measures in the conduct of national and regional trade
o The Prevention of Undesirable Residue in Meat Act,
due to social and political considerations. State parties to interna-
tional agreements must put in place and maintain the necessary 1991 (Act No. 21 of 1991)
institutional administrative measures to enhance trade and compli-
ance with these agreements. o The Local Authorities Act, 1992 (Act No. 23 of 1992)

International trade entails a diverse range of consumer products.
These could range from electrotechnical equipment and applianc-
es; building and construction equipment; engineering and transport
equipment; textiles and clothing; medical, pharmaceutical and cos-
metics products; and food stuffs of animal and plant origins. As
such, the regulatory functions aimed at consumer protection should
be expected to be as diverse as the trading products itself and not
one particular institution should be responsible for the regulation
thereof.
The Ministry of Health and Social Services is responsible for the
administration and enforcement of the Public Health Act, 1919 (as
amended). In terms of Section 115 of the Act the Minister may
make regulations, amongst others, for prohibiting the importation
into Namibia of any article of food which is not clean, wholesome,
sound and free from any disease or infection or contamination, and
the seizure and disposal by destruction or otherwise of any such
article so imported.

In the case of Namibia, like many other countries, there are differ-
ent institutions responsible for the enforcement and regulation of
food safety standards. In addition some food safety laws are out-
dated and need revision and streamlining to conform with interna-
tional practices and to correspondent with the existing institutional
arrangements. Namibia imports most of its foodstuffs and as such
proper import control measures must be in place to ensure that only
products safe for human consumption enter the market.

Namibia became a member of the World Trade Organisation

(WTO) in 1995. Membership includes acceptance to abide by
the requirements of the WTO Agreements on Sanitary and Phy-
tosanitary (SPS) measures as well as Technical Barrier to Trade
(TBT). The WTO Agreement on the Application of Sanitary and
Phytosanitary Measures (in short the SPS Agreement), was drawn
up to ensure that countries apply measures to protect human and
animal health (sanitary measures) and plant health (phytosanitary For any queries or further information please contact the
measures) based on science. The SPS Agreement therefore, incor- Namibian Standards Institution on (061) 386 400 or e-mail:
porates safety aspects of foods in trade. query@nsi.com.na

14 CN
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 The OneLove campaign wants to get us thinking and talking about our sexual behaviours and the
risk of having many sexual partners. This campaign informs people about how to stay safe from HIV
by having one sexual partner at a time. The OneLove campaign uses mass media such as radio, TV
and print in 10 Southern African countries: Botswana, Lesotho, Malawi, Mozambique, Namibia,
South Africa, Swaziland, Tanzania, Zambia and Zimbabwe.
Find out more about the OneLove campaign at
www.onelovesouthernafrica.org

In addition to its involvement with the regional OneLove campaign, Desert Soul HDC closely works
together with Namibian partner organizations on the national campaign, titled Break The Chain,
which also focuses on the reduction of multiple and concurrent sexual partners as an HIV prevention
measure. Desert Soul’s book, radio dramas and the regional OneLove TV series will be used
nationally by Take Control partners for social mobilization and outreach work with target audiences
in various parts of Namibia.

A joint initiative by Take Control Partners

GTZ; Intrahealth; C-Change; NASOMA

You can support Break The Chain campaign in many ways:

• Organize community meeting and talk about sticking to one partner
• Form debate clubs and talk about sexual networks
• Tell your partner and your friends about Break The Chain
• Hold discussions about reducing sexual networks
G
etting the correct information about your health can
be daunting if you don’t have access to the latest tech-
nologies, or if you are in remote parts of the country.
It can also become challenging if reading in English is
not your strong point. This is especially the case when one seeks
information about sensitive issues such as HIV prevention, treat-
ment, care and support. Issues related to domestic violence, food
security and TB can also be developmental challenges which are
difficult to find the correct information about.
Desert Soul Health and Development Communication was
established for the exact purpose to bridge these kinds of obsta-
cles to gaining valuable information about one’s health. Further-
more, the NGO, which was established in 2008, aims to enable all
Namibians to make informed choices about developmental is-
sues in their immediate environment. It is a Namibian non-profit
organisation which was previously a project of the Namibia Red
Cross Society in partnership with Soul City Institute for Health
and Development Communication. It has been producing
health related edutainment in the form of radio and TV drama,
as well as booklets since 2002. Desert Soul’s focus is mainly on
HIV prevention, but the organisation also deals with other con-
temporary health topics, as identified through an extensive and
rigorous research process.
One such extensive qualitative research conducted by Desert
Soul HDC in 2006 and 2007, forms part of a larger sub-Saharan
research study by development partners in South Africa, Swazi-
land, Mozambique, Malawi, Botswana, Zambia, Zimbabwe, Tan-
zania, Lesotho and Namibia. This research on multiple and con-
current sexual partners allowed for some insight into the issue
of HIV in relation to having more than one sexual partner at the
same time. The research findings point to the fact that people
have many partners due to lack of communication in relation-
ships, emotional and physical dissatisfaction, culture and social
norms, desire for money and material possessions, poverty, gen-
der inequality, alcohol, peer pressure, as well as male domination
and abuse.
The One Love Campaign is the culmination of all the research
done around the topic of multiple concurrent partners (MCP).
The campaign, which is implemented in ten Southern African
countries, promotes happy fulfilling sexual relationships be-
tween two people without the need for other relationships as
the societal norm. It reinforces positive behaviours without
blaming people who are behaving in risky ways. It role mod-
els safer sexual behaviour, and challenges men and women to
change behaviour for a happy life. One Love challenges gender
stereotypes and cultural norms that reinforce having more than
one partner.
A scene from Desert Soul’s latest film titled Against The Odds
One Love Campaign in Namibia
The One Love campaign in Namibia is implemented by Desert
Soul Health and Development Communication. The main aim of
the campaign is to encourage the reduction of sexual partners
amongst the general population, in order to facilitate HIV pre-
vention. The launch of Desert Soul’s One Love mass media on the
07 April 2010 was an illustrious event, where the Deputy Prime
Minister, Honorable Marco Hausiku officiated.
The campaign has been actively implemented in Namibia since
September 2009, and Desert Soul’s mass media for the One Love
campaign include the following items.
• A radio drama with 35 episodes titled Tjitjikutuara
Kepembe Kotji, which has been airing on the Otjiherero
radio station of the Namibia Broadcasting Corporation be-
tween September 2009 and January 2010. It gained popu-
larity amongst the target population as well as some opin-
ion leaders who requested a re-run of the series.
• A 40 page booklet which deals with some aspects
of multiple and concurrent partnerships. This booklet has
been translated into Oshiwambo and Afrikaans, and 300
000 copies were distributed throughout the country be-
tween March and May 2010. The booklet is available at clin-
ics, hospitals, New Start Centres, BP service stations, and
branches of the Namibia Red Cross Society. Many develop-
ment NGOs request the booklets for their outreach work.
• One stand-alone episode of 24 minutes, which deals
with intergenerational sex and open communication be-
tween parents and their children. It forms part of the re-
gional series titled Love: Stories in a Time of HIV. The epi-
sode titled Against the Odds, was co-written by Vickson
Hangula and Marinda Stein. Vickson was the director and
Marinda the producer of the film. Some of the main cast in-
cludes Armas Shivute and Deidre De Wee in the lead. The
training of all the actors was done late in 2009 by renowned
South African actor, Jamie Bartlett. The Love Stories were
aired from April till June 2010 on Namibia Broadcasting
Corporation every Monday at 17h30 with a repeat of the
week’s episode on Sundays at 09h30.
Desert Soul now embarked on the One Love Talk Show, which
discusses the issue of having more than one sexual partner at
the same time, and the underlying factors which contribute to
this behaviour. The ultimate aim of the radio programme is to
engage listeners to assess their own HIV risk perception, and
to encourage reduction in sexual partners. The radio magazine
programme is interactive, and has views and opinions from the
street, an expert interview as well as a human interest story. The
One Love Show airs live every Thursday, at 14h00 on Fresh
FM, where the listeners can then phone in, send sms or air their
views about the topic of the day on Desert Soul’s facebook page.
The public is invited to visit the Desert Soul stall in the Lions
Hall at the Windhoek Trade and Agricultural Show between
24 September and 02 October 2010 to know more about the
One Love campaign.
 editorial

Service Quality -
What do We Expect? By Jon Allen

S
ervice quality in Namibia has to be taught, as inherent
quality offerings are few and far between. After having
treaded on a few toes last month, I have decided to take
the easy route in this issue and go theoretical with a little
paraphrased help from authors, Larry O’Sullivan, Annekie Brink
and Adele Berndt.
According to O’Sullivan, a service provider’s age, race, gender or
religious beliefs has no bearing on it’s clients needs, but a positive
attitude, helpful demeanour, humility, knowledge, reliability and
interest shown, are the key expectations of clients the world over.
As the best providers of service, managers/owners need to know
what the needs, priorities and expectations of the client are; need to
think like the client and understand (and care) what it is the client
wants or expects.
• Reliability – focussing on delivering on the promises made by
the organisation. Customers will perceive the organisation as
failing on their promise if this is not achieved.
• Responsiveness – this illustrates the willingness to help, and
touches on the speed of delivery too, as promptness is an
indicator of responsiveness directly.
• Assurance – covers the knowledge and courtesy of employees
and their ability to convey trust and confidence.
• Empathy – this much spoken-about aspect (usually takes up an
entire session in training) revolves around confirming for the
customer that their unique needs and requirements will be met.
It deals with convincing the customer that their needs are un
derstood.
• Tangibles – this is the physical stuff; the facilities, the
products and so on.

The definition of service quality, according to Brink and Berndt This proven list of customer expectations are not applicable in the US,
is ‘the ability of an organisation to determine correctly customer Europe or South Africa exclusively, but are most relevant in Namibia too.
expectations and to deliver the service at a quality level that will at Or what do you say Namibia? Are our needs any different?
least equal those customer expectations.’ This places the onus on
organisations to consciously ascertain these expectations and care
about them so as to adequately deliver. Brink and Berndt go on to
say that ‘service quality, as perceived by the customer, is one of the
components that would influence the satisfaction of the customer’.
O’Sullivan expands on this thought and says ‘it boils down to how
and why you give. If we give, expecting – or demanding – that we
will get something in return, is this not, in essence, bartering with
or playing off nature? If you are compelled or forced to give (as
many of our client service representatives in Namibia appear to
be), the spirit or chemistry of your ‘service’ or approach will be
missing. It will all seem shallow and insincere. But on the other
hand, if you give lovingly, caringly and because you want to, it Creating Opportunity, Changing the
will be picked up by the recipients. They will sense the empathy,
passion and sincerity you emit. It’s one thing to give because you
Face of Customer Service
have to, but it’s another thing altogether to give because you want
to’.
Contact:
This appropriately leads us to what I wanted to briefly expand on Jon Allen
in this article; being some dimensions of service quality, accord- Tel: +264 61 400 910
ing to Brink and Berndt again, based on findings from exploratory
Fax: +264 61 400 912
and quantitative studies, which use to assess service quality, thus
becoming the aspects those of us offering services to customers, Cell: +264 81 140 5026
need to focus on and improve: E-mail: csinstitute@iway.na
Jon Allen

20 CN
 from wherever

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Coast
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 Saving energy in your home
INDOORS

• Heavy curtains that are light in colour keep rooms cool. Closing curtains during the evening insulates the home during the winter.

• Sealing doors, windows, fireplaces and skylights prevents draughts.

• Switch off lights when they are not needed.

• Compact fluorescent lights (CFLs or low-energy bulbs) use 80% less energy than ordinary light bulbs

Ironing

• Iron low temperature fabrics first to reduce the warm up time.

• Iron large batches of clothing at one time to avoid wasting energy reheating the iron.

• Use only distilled water in steam irons to avoid mineral build up.

Kitchen

• Switch off the oven hotplate and iron a few minutes before you need to stop using them - they will still be hot enough to use.

• Connect the dishwater to a cold water supply; it will heat up the water when it needs to.

• Use pots with flat bottoms and tight fitting lids.

• Heat small pots on the small stove plate and large pots on the large plate.

• Use a pressure cooker to conserve energy when cooking foods that take a long time, such as stews.

• Do not use the grill to make toast; use a toaster it is cheaper.

• Do not use the stove to heat the kitchen; a heater is cheaper.

• Use an electric kettle to boil water instead of the stove. Only fill the kettle with as much water as you need to use.

• It is more economical to use the fridge to defrost your food than using the microwave.

• Use cold water to rinse off vegetables.

• Allow food to come to room temperature before putting it in the fridge.

• Do not open the fridge door needlessly.

SMALL APPLIANCES

Using small kitchen appliances instead of the stove can save energy. Toasters, electric grill, slow cookers, electric coffee machine, electric kettle, all use less energy than the
stove. When vacuuming, empty or replace the dust bag frequently to be more energy efficient.

Geysers and hot water

• Dripping hot water tap can cost as much as N$330 in a year! Fix the drip!

• The recommended geyser temperature is 50-60 degrees C.

• Wrapping your geyser in a geyser blanket can reduce heat loss and uses less energy to maintain the water temperature.

• Insulating hot water pipes can reduce heat loss and allows for quicker hot water delivery.

• A solar water heater eliminates conventional geysers completely and retains heat for prolonged periods without direct sunlight.

• Have a shower instead of a bath - you will use less hot water and put less strain on your geyser.

Outdoors

• Pool pumps are heavy on electricity consumption. Get a pump timer and reduce the pump running time.

• Roof and ceiling insulation reduces the amount of heat getting in during the summer and reduces the amount of heat lost in the winter.

Winter heating

• Under floor heating is the most ineffective way to heat a home. It is a waste of energy.

• Wall mounted heaters are generally quite small and have to be left on for a long time to make a difference.

• Infrared heaters are efficient; they will warm the people in the room rather than the space.

• The most effective and safest heaters for the home are either an oil heater or a 2-kilowatt fan heater, both with thermostat which switches the unit on and off as required.

• It is cheaper to use an electric blanket in your bed than to use a room heater.

Contact ECB at:

Tel (+264 61) 374 311

Fax (+264 61) 374 305

www.ecb.org.na
 $
editorial

Manage Your Money By Namibia Consumer Protection Group

Short Changed...

T
Do you want to stop worrying about your debt?

o help consumers reach their financial

goals, the Namibia Consumer Protection E-mail: miltonlouw@gmail.com
Group (NCPG) presents a free half-
day workshop on “Keeping Debt Under
Control: Tools you can use.”
Milton Louw

The workshop is held on the last Friday of every

month starting at 10H00 until 12H30. The workshop
Once you have identified where you want to be, you
is presented at Shop 29, Old Power Station, Armstrong
need to identify your short- and medium- and long-term
St, Southern Industrial Area, Windhoek. The organisers
goals.
hope to guide participants in recognising the warning-
• Short-term: what you want to achieve in the
signs of an approaching credit crisis before it is too late.
next two years
• Medium-term: what you want to achieve
The workshop will offer a variety of financial services
within 2-5 years
that can help citizens reduce their debts. Topics to be
• Long-term: what you want to achieve that
discussed at the workshop include debt consolidation
will take between 5 to 30 years
and how to increase available cash. The workshop will
include a short introduction on how to become a debt
Once you have identified these goals, you have to break
counsellor.
them down into more detail and identify the specific
tasks you need to carry out to reach each one.
Consumers wishing to attend the workshop can contact
the NCPG on (061) 222 236 to make a booking. How to develop a Plan
The following is a short overview of the course. Step 1: Know your goals
Step 2: Research your goal
Money making is about your attitude Step 3: Take a reality check
Step 4: Prioritise your goals (Ranking)
To manage something you must understand what it is. Step 5: Plan your savings
This means you understand that your financial situation
is not how much you earn, rather it is about your attitude Regular Reviews
to your money and your future.
As you start achieveing your goals, you will find that
There are five main beliefs or principles that relate to you need to reassess and update your vision. You
everyone, no matter how much they get paid. If you will probably find you need to develop new goals to
follow these guidelines, you will discover how simple match your new earning potential. There might also be
sound money-management really is. changes in your life that make your change your goals –
for example getting married or the birth of a child.
What is your Vision? What is your Plan?

To save money is not easy. Most of us know that no

matter how much we have to put away, an emergency
always crops up and we “need” to use this money. You
need to set a clear vision of your goals and this will help
you to stick to your plan.

The first thing is to write down a description of your

goals (or draw your dreams). When you do this, you
need to add as much detail as possible.

Creating your future in this way will force you to

pinpoint what you are aiming for. This vision must
also be SMART (Specific – Measurable – Achievable –
Realistic – Time bound)

CN 25
 Urgent Public Notice
PRESS RELEASE
Urgent Public Notice

Telecom Namibia broadband packages

2009/10 Directory Entries:
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2009/10 Directory Entries:
Medical Services
Medical Services
Telecom Namibia fixed broadband options (WiMAX & ADSL) are • Unlimited internet usage at a monthly flat rate, starting from

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Uncapped Packages 192k 256k 384k 512k 768k 1024k 1536k 2048k
Number of email addresses 1 1 1 1 1 1 1 1
4x Data, 3x POTS, 4x Data, 3x POTS, 4x Data, 2x POTS,

In order to ensure the accuracy of entries in the new directory,

Web space (MB) 50
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CPE WIFI, USB, 1x WIFI, USB, 1x WIFI, USB, 1x ISDN,
Fax2Email Numbers 2x POTS
1 2x POTS,
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1 ISDN 1 1 WIFI, USB, 1x ISDN,
1 DECT 1
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Telecom Namibia requests all Medical Service Providers, as well

Number of Voice/Fax Numbers 1 2 2 2 3 5 5 5
Number of email addresses 1 1 1 1 1 1 1 1
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Web space (MB) 50 50 50 100 100 100 200 200

Telecom Namibia requests all Medical Service Providers, as well

Data Volume Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Fax2Email Numbers 1 1 1 1 1 1 1 1
Uplink (kbps) 128 128 128 192 256 384 512 512

as Government Ministries, Agencies and Departments to provide a

Number of Voice/Fax Numbers 1 2 2 2 3 5 5 5
On-net voice minutes 30 30 30 50 50 50 100 100
Number of concurrent voice calls 1 1 1 1 2 3 3 3

as Government Ministries, Agencies and Departments to provide a

Monthly Charge (12 months) N$ 499 N$ 749 N$ 899 N$ 999 N$ 1,199 N$ 1,449 N$ 1,949 N$ 2,399
Data Volume Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Monthly Charge (24 months) N$ 399 N$ 599 N$ 699 N$ 849 N$ 999 N$ 1,199 N$ 1,649 N$ 2,049
Uplink (kbps) 128 128 128 192 256 384 512 512

correct and complete list of all telephone, facsimile, cellular phone

Monthly Charge (36 months) N$ 349 N$ 549 N$ 649 N$ 749 N$ 949 N$ 1,149 N$ 1,599 N$ 1,949
On-net voice minutes 30 30 30 50 50 50 100 100
Notes: CPE included

correct and complete list of all telephone, facsimile, cellular phone

Monthly Charge (12 months) N$ 499 N$ 749 N$ 899 N$ 999 N$ 1,199 N$ 1,449 N$ 1,949 N$ 2,399
Rates are VAT exclusive
Monthly With WiMAX
Charge (24 only 3 data Ports are
months) N$available
399 N$ 599 N$ 699 N$ 849 N$ 999 N$ 1,199 N$ 1,649 N$ 2,049
Installation charges: N$222 within MRA and N$ 333 outside MRA

entries or any other relevant information they would like printed in

Monthly Charge (36 months) N$ 349 N$ 549 N$ 649 N$ 749 N$ 949 N$ 1,149 N$ 1,599 N$ 1,949

Notes: CPE included

entries or any other relevant information they would like printed in

Rates are VAT exclusive
With WiMAX only 3 data Ports are available
Installation charges: N$222 within MRA and N$ 333 outside MRA

the new directory.

the new directory.
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Uncapped Packages 256k 384k 512k 768k 1024k 1536k 2048k
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4x Data, 3x POTS, 4x Data, 3x POTS, 4x Data, 3x POTS, 4x Data, 3x POTS, 4x Data, 2x POTS, 4x Data, 2x POTS, 4x Data, 2x POTS,
1x Data, 4x Data, 3x POTS,
CPE WIFI, USB, 1x WIFI, USB, 1x WIFI, USB, 1x WIFI, USB, 1x WIFI, USB, 1x ISDN, WIFI, USB, 1x ISDN, WIFI, USB, 1x ISDN,
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1x Data, 4x Data, 3x POTS,
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www.telecom.na
 entertainment

Photograph: Leitago Narib

“SoIdevelopedaframeworkthatenabled
me to speak about poverty in a way that
madesensetome,placingmyexperienc-
es at the centre, rather than the deviant
experiences or the norm. The model I
developedcanbeappliedtootherthings
andnotjustmaterialpoverty,including
povertyintermsofpsycho-socialsupport
in institutions and society."

A
rtistswithintheSouthernAfricanregionaretacklingtheproblem
ofpovertyhead-ontofindsolutionsthroughregionalintegration.
Onesuchartist,renownedZimbabweanauthorTsitsiDangarem-
bga,wasrecentlyinNamibiawheresheconductedalecturead-
dressing poverty through her short films.
Havingstudiedherfirstbook,NervousConditions,asaliteraturetextin
highschool,IwasexcitedthatIwouldfinallymeet,letaloneinterview,one
28 CN
ofAfrica’sfinestauthors.AsmiddayapproachedonSaturdaythe21stof
Augustandasshewalkedtowardsmytable,Icouldhaveswornmyheart
skippedabeat,Iwasnervous!TsitsiDangarembga?NervousConditions?
AswesettledintotheinterviewIcouldeasilypickupthewarmthandintel-
ligencethatshecarriesaroundher.Havingtravelledextensivelyandbe-
ingwidelyread,thiswasactuallyherfirsttimeinNamibia,soIaskedher
firstimpressions."I'mamazedthatacountrywithsuchaninfrastructureis
thinking regional" Says Dangarembga.
>>
 1One on1One with Tsisti
"Part of that is because the arts have been neglected so we don't have a
cultureofengagingartasadiscipline.Wehaveacultureofengagingartasa
performance and entertainment, but not as discipline.
CN: What did you speak about on poverty? likethat?Shoulditbelikethat?AndcomingtoadecisionthatIdon'tthink
TD: "I don't work in development, I work in Art, and I work in Films, so I
hadtocomeatitfromsomeanglethatmadesensetome,fromthatsec-
tor.Mybackgroundacademicallyisinpsychologyandthishasinfluenced
filmtheory;Ihavebeenreadingalotoffilmtheoryaboutpositioningof
subjectsonnarrativeandlookingatpoverty,thoseideasseemtocome
together.TherewasnopointinfindingtheStateoftheWorldreportand
justsummarisingitbecausepeoplehaveprobablyreaditforthemselves.
SoIdevelopedaframeworkthatenabledmetospeakaboutpovertyina
waythatmadesensetome,placingmyexperiencesatthecentre,rather
thanthedeviantexperiencesorthenorm.ThemodelIdevelopedcanbe
appliedtootherthingsandnotjustmaterialpoverty,includingpovertyin
terms of psycho-social support in institutions and society."
CN: So who is Tsitsi Dangarembga? islandsjealouslyguardingtheirturf.Thereisnotreallyanywherewhere
TD: "Generally what you see is what you get. I'm somebody with very
broadinterests;Idon'tliketobeboxedintooneparticularcategory.Ilike
toengagewithwhateverpresents,andIthinkIhaveaproblemsolving
natureandthatmeansIdoneedtotakealotfromtheenvironmentaswell
in order to see how challenges may be addressed."
Dangarembga,whoisstillbasedinZimbabwe,saysthat,atthemoment,
povertyisextreme."Ipersonallydon'tknowhowpeoplearemakingends
meet.Althoughyoudohavetheformaleconomyandtheinformalecono-
my,soIthinkpeoplewhoaretappedintotheinformaldohavemeansof
survival. But it's pretty bad."
CN: Are there any immediate solutions to this?
TD:"Theimmediatesolutionisobviouslyinthepoliticalrealmwhichneeds
tostabilise.Weneedtoensurethatthepeacewehaveprevails,andthen
wehavetoworktowardsapropertransition.AndatthemomentIthink
thattherearegenuineeffortsfrombothquarterstomakethathappen.
AndsoIhopethatwewillrisetothechallengebecausechallengesthat
presentthemselvesaregoingtochangefromminutetominute.SoIhope
thatresolvewillremainsteadfastasthosechallengeschange.Sothereis
stability, but it has to move forward into a different paradigm I think.”
CN: What about the culture of reading in Africa? behalf of consumers. Looking at consumer issues, do you agree that
TD:"Zimbabwestillhasacultureofreading.Eventodayyouseesecond
handnovelsonthestreets.Youfindpeoplereading,waitingforturnsinthe
doctor'soffice." DangarembgawasrecentlyinNigeriateachingcreative
writingworkshopsandaddsthat"IreallydidobservethattheNigerians
haveahugecultureofreadingaswell.Maybemorethanwedo.Onthe
planebetweenAbujaandLagosforexample,about50%ofthepeople
werereading,thatwasamazing.SoIthinkthereisacultureofreadingin
manyAfricancountriesbutthisperhapsisnotcelebratedenough,andone
oftheproblemsisthatwedon'thavealotofourowncontentthatreaches
thepeopletoinformthemaboutourownissuesandIthinkitisaresource
we need to capitalise on."
CN: Tell me a bit about your first book, Nervous Conditions
TD:"BeingayoungwomaninZimbabwe,havingtocreatethespacefor
myselfinaculturalcontextthatdidnotcreateformethespacesIwanted
tohave.Andthinking,takingstockofthat,whatdoesthismean?Whyisit
By Lynette Magaramombe
itshouldbelikethat.Sowhatcanonedo?Whatintervention?Remember-
inghowstronglyliteratureimpactedonmewhenIwasgrowingup,and
thinkingwhatliteratureisavailableforotherZimbabweangirlchildrenwho
mightfindthemselvesinthesamepositionasmyself.Isthereanythingfor
them?Probablynot,andsoinventingtofillthatgap,that'sprobablyhow
Nervous Conditions basically came about."
CN: What are some of the challenges you faced during the actual
writing of the book?
TD:"Fortunately,atthetimeIhadaplacetowriteinbecauseasawarden
on campus, I had my own room. However, the biggest challenge even
todayisalackofanartscommunityinZimbabwe.Wehavemanypeople
doingmanydifferentthingsinthedifferentdisciplines,butthey'realllittle
yougowithyourworkandyousitdownandhaveadiscussionaboutthe
necessaryaspects. Peopledon'tasfarasIcantell,engageatthatlevel."
CN: Why is this so?
TD:"Partofthatisbecausetheartshavebeenneglectedsowedon'thave
acultureofengagingartasadiscipline.Wehaveacultureofengagingart
asaperformanceandentertainment,butnotasdiscipline.Ithinkforme
thishasbeensomethingthathashinderedmycreativedevelopment,and
thisisprobablywhyalotofpeoplechoosetoliveoutsidebecausethere
they can live in a space where art is discipline."
CN: How are women viewed in the industry?
TD: "As far as I'm concerned there is no space for a woman to act as a
woman. You always have to be a woman attached to a man. This has
been my experience"
CN: How do you counter this attitude?
TD:"Experienceandtalkingtootherwomen.It'snotonlyintheArtssector.
In the Business sector also."
CN: We are a consumer magazine so we must ask a question on
Africa is a dumping ground for sub-standard products and services
from abroad?
TD:"It'sdifficulttotakethatcomparativepositionbecauseifI'minZim-
babweconsumingthis,I'mnotoutsideconsumingthat,soitbecomes
difficult.However,Ihavereadsomemanagementbooksthatsayit'sactu-
allystandardmanagementpracticetodumpinAfricaandit'staughtasa
method of getting rid of excess stock. So possibly, yes."
CN: What does the future hold for you?
Tsitsi,whosayssherecentlyhadadialoguewiththefuture,saysshewas
toldthatanotherbookisloominginthehorizon.Ontopofthat,"Oneof
myprioritiesistohaveaveryhighstandardArtsEducationInstitutionin
Zimbabwe."
ListeningtoTsitsiDangarembga,Iaminspiredasweroundofftheinter-
view. I guess the saying is true after all, the sky is the limit.
CN 29
 Namibians supporting Namibians

T
he Namibia Business Drive was created to
give business owners and managers time to
explore new and exiting opportunities that
they never would have otherwise. It is a
unique opportunity for decision makers to meet each
other and explore synergies, marketing opportunities
and various services on offer that would never have
occurred in a regular business setting. The relaxed na-
ture of this platform gives guests the leisure and time
to really get to know one-another. This creates a forum
for decision makers and the business fraternity of Na-
mibia to network directly with each other which re-
sults in great relationships and deals beneficial to all.
The Namibia Business Drive is an event held twice
per year in Windhoek during the months of February
and August. During these events, owners and decision
markers of companies are invited by the different Or-
ganising Business Partners to attend the NBD event.
Organising Business Partners sponsor invited clients,
VIPs and provide the entertainment. On the last day
of the event lucky draw prizes are awarded to various
business people present. All prizes drawn are spon-
sored by businesses participating in the event to ben-
efit business economic growth in Namibia.
This initiative is currently driven and sponsored by 15
Organising Business Partners; Labour Skill Solutions,
First National Bank, Starlite Wholesale, Starlite Re-
tail, Energy 100 FM, G4S Group 4 Securicor, Who’s
Who of Namibia, Billboard News Press, Bonlife, Busi-
ness Risk Solutions, Karnic Distributors, Aqua Angel,
IT.Com, Kanaal 7 and Greg’s Motor Spares.
Even though Namibia is a small player in the inter-
national arena, The Namibia Business Drive is of the
opinion that Namibia is capable of providing any re-
quired service or product whereby businesses can con-
tribute to eradicating the high levels of unemployment
in the country and compete on the world stage.
Contact the organisers to join the Namibia Business
Drive and discover the opportunities that await you
and your business.

STARlite retail
eddie@starlitepp.com support@labourskill.com dries.kannemeyer@na.g4s.com gella@karnic.com.na retail@starlitepp.com

francis@gregsmotorspares.com brsnam@iway.na jossyjoss@energy100fm.com ronel@billboard.com.na lallie@bonlifenam.com

thea@whoswhonamibia.com ingo@dikaios.iway.na rika@k7.com.na cwolman@fnbnamibia.com.na itdcnam@iway.na

international

Paycheck
to
Paycheck By Rob Parker

A
pay day loan refers to what is typically a short-term
loan for a small amount of money charged at a high
rate of interest. This loan is designed to carry the
borrower to the next pay cheque. The borrower has
to prove that they have a steady source of income,
usually in the form of a pay-slip from their job, and they also pro-
vide the lender with some form of collateral, such as a post-dated
cheque. Some cash loan outlets are known to hold onto your bank
card and to even ask for your P.I.N number. You should never give
your card and secret code to anyone.
Pay Day loan companies have been controversial from their incep-
tion. They offer banking services for those who do not qualify
for traditional banking services, for any number of reasons. Some
people do not have valid identification or perhaps they have a
poor credit rating. Many lenders take advantage of this population
whom the big banks neglect and offer them high interest loans.
ers and then close the site and re-open under a new domain name
and start the process all over again.
There is a very helpful website for consumers known as scam-
meralert.com which checks out scams on the web from work-at-
home schemes to pay day loans. The site’s owner checks out these
sites individually. When he investigated cash loan websites he
found that, out of 54 pay day loans companies investigated, only 4
were actually legitimate lenders. Of these sites none required you
to fax them your personal information- which is a very good sign.
Consumers should never send their banking and personal details
unless you completely trust the recipient and we advise that you
should exercise extreme caution when dealing with any cash loans
business.
http://www.scammer-alert.com/payday-loans.html
http://www.banking.state.ny.us/brdl.htm

Pay day loan companies tend to be located in lower income neigh-

borhoods and cater to consumers whom are having trouble making
ends meet, people whose paycheck does not stretch. These people
sign up for short-term fixes; a loan which will carry them to the
next payday. But these loans come at a cost, they tend to be charged
at a very high rate of interest, and if you, for any reason, fail to pay
them back immediately then you can find yourself borrowing more
money from them; this is called a rollover. Due to the high rate
of interest consumers may find that they are constantly needing
to take payday loans to pay off their previous loans. It is for this
reason that these cash loan companies are detrimental to the poor.

Some of the problems that can arise with a payday loan are:
• The loan term is short and is often not enough time to
save the money needed to repay the loan in full.
• If the loan cannot be paid back in full at the end of the
term, it has to be renewed, extended, or more
money has to be borrowed to cover the first loan. Fees
are charged for each transaction.
• The interest rates that are charged are very high – some
times 400% or more.
• If the lender deposits the check to repay the loan and
there are insufficient funds in the borrower’s account,
the borrower is hit with even more fees for insufficient
funds and still owes the mount of the loan to the lender.

Some people turn to the internet for help, but while there are prob-
lems with pay day loans companies, the internet options make
them seem downright wholesome. Your typical cash loan lender at
least has an office, a landline and you can actually meet the people
involved; in other words you have some method to track and find
them. Internet lenders, on the other hand, can hide their identity,
fake their location and close up shop overnight. Many internet
scam operators do just that. They put up a website, fleece consum-

CN 31
 Soccer
Premiershipgoesintoaction
TheNPLreceivedN$4,3millionfortheiractivitiesfromMTClastseasonand
theamounthasbeengrowingovertheyears,withmorefundingalsoexpected
from other co-sponsors this season.
T
hedomesticMTCNamibiaPremiershipstartsonSeptember10th
with a total of 12 teams vying for the coveted title which carries a
prize-tag of just over half a million dollars.
TheopeninggameofthenewseasonwillseeOrlandoPiratestakingon
CivicsattheSamNujomaStadiuminWindhoek,whiledefendingchampi-
onsAfricanStarswillstarttheircampaignagainstcoastalsideBlueWa-
ters at the same venue the next day.
Thenewseasonalsoseesanothercoastalside,BlueBoys,enteringtop
flightfootballafterbeingpromotedfortheirfirsttimeintheir52-yearex-
istence.
TheSwakopmund-basedsideplayedtheirfootballinthelowerleagues,
especiallythefirstdivisionandwillbethe'newkidsontheblock',along-
sideMightyGunners,whoalsogainedpromotionrecently.MightyGun-
ners,a teamthatmostly consists of soldiers doing duty for theNamib-
ianDefenceForceatthe4thArtilleryBrigadejustoutsideOtjiwarongo,
regainedentryintothePremiershipthisseasonaftertheywererelegated
during the 2008/2009 season.
Blue Boys will open their account in the elite league for the first time
against Ramblers inWindhoek, while Gunners will lock horns against
northernneighboursOshakatiCityattheUukwangulaStadium,about10
kilometres west of Oshakati.
For Blue Boys, like Mighty Gunners, it will be an equal affair as both Os-
hakatiCityandRamblersdidnotfarewellintheleaguelastseason.Ram-
blersendedtheleaguein10thplacewhileCityheldtheninthspotoverall
in the championship that was scooped by Stars in the end.
32 CN
By Staff Reporter
SPONSORHIPS
MobileTelecommunicationsLimited(MTC)havecommittedN$5,3million
totheactivitiesofthePremiershipthisseason,buttheChiefExecutive
OfficeroftheNamibiaPremierLeague(NPL),MatthewHaikalimaintains
thattheamountstillneedstobeconfirmed."Therearediscussionsonthe
issue,butthatistheinitialamountthatweexpectfromoursponsors,"he
said.
TheNPLreceivedN$4,3millionfortheiractivitiesfromMTClastseason
andtheamounthasbeengrowingovertheyears,withmorefundingalso
expected from other co-sponsors this season.
Haikali,alongsidethechairmanofthePremiership,JohnnyDoeseb,be-
lievethat asolesponsorship isnot enoughinmodernfootballandare
currentlyonthevergeofsecuringmoresponsorstobringtheirweightto
the game.
"The game of football has evolved rapidly over the years and it has be-
comeabusiness.Itisinevitableforustosourcesponsorshipandmate-
rialsupportfromelsewhereratherthanonlyourcurrentsponsors,"said
Doeseb.
MTCiscurrentlythebiggestsponsorofmajorsportingcodesinthecoun-
try and spends in excess of N$50 million per annum.
Atthemoment,mostclubsinthePremiershiphavealreadyacquiredoffice
spaceandhavededicatedofficeadministratorstoensurethattheclubs
arerunalongprofessionallines,whiletherehavealsobeenmajorfinan-
cial injections from their respective sponsors.
>>
 Soccer Contd.

Atthemoment,sixclubs;Tigers,OrlandoPirates,BlackAfrica,ElevenAr-
rows,AfricanStarsandOshakatiCityarecurrentlyreceivingannualspon-
sorshipfromFirstNationalBank(FNBNamibia)whichrangesbetween
N$230 000 to N$300 000 per season per club.

Themoneyhelpstheteamsmeettheirleagueobligationsandlaoshelps
them to compensate their players during the season.

PLAYER TRANSFERS

Therehasbeenminimalmovementonthetransfermarketthisseason
with the leading teams not making major changes to their line-up.
Currentchampion,AfricanStars,whichhaswonthetitleback-to-backwith
coachBobbySamaria,havelosttwooftheirkeymidfieldersinQuinton
Jacobs and Rudi Louw.

Louw joined his childhood club Black Africa, while Jacobs was still not
contracted before this edition went to print.

Starswontheleaguewithatotalof44points,followedbyPiratesinsec-
ondon42,butthelatterwillfaceanuphillbattlethisseasonasthebulkof
their players have resigned.

The ones that have jumped ship at Pirates include BraveWarriors first-
choicegoalkeeper,AthielMbaha,whilemidfielders,JohannesSeibeb,
Klaas Blom as well as defenders, Steven Goagab and Enrico Afrikaner
also resigned.

GoalkeeperHeribertKapengalsoresigned,leavingthe‘Buccaneers’with
askeletonstaffofvirtuallyyoungsterswhowillbeexpectedtostepupto
the task.

Othersidesthatalsolostsomeman-powerincludeCivics,whichlostmid-
field-cum-striker,BradleyWermannaswellasstarstriker,PineasJacob.
WermannjoinedBlack Africa, while Jacob was still clubless beforethe
end of August.

Black Africa ended third in the league last season and they have a bal-
ancedsidewithahostofcreativemidfielderswhichincludeLouw,Wer-
mannandBrianBantam,whiletheirstriker-forcestillremainsintactwith
their chief predators, Jerome Louis and Roger Katjiteo still around.

TheTigerswhoendedfourthlastseasononlylosttheirkeyfrontmanin
TangeniShipahuwho,abouttwomonthsago,joinedSouthAfricanPre-
mier Soccer League side, Amazulu.

Ramblerslosttrickystriker,EusobioFredericks(stillclubless),whileSport
KlubWindhoek(SKW)partedwayswithEdwinKorokuhewhojoinedStars.
Starswillonceagainremainthefavourites,butwillfacestrongcompeti-
tionfrom,especiallyBlackAfrica,ElevenArrows,TigersandCivicswho
areextremelyunpredictabledespitetheirerraticformattimes.Theleague
season is expected to end on May 21 next year.

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