consumer news magazine may 2013

7/28/2019 Consumer News Magazine May 2013

1/24

NewsFr

eeMAY 2013

ISSN 2026-710X

Your voIce

Consumer

Nam-Mic, makinga mark in the

fnancial sector

Tg d Educt, e

t wledge d Pwe


2/24

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The Team

PublisherConsumer News

Printed byPrintech cc

General Manager/EditorWillem Gariseb

081 249 8161

081 551 [email protected]

EditorialFreelance Journalists

PhotosFreelance Photographers

Contents

Training and Education, keyto knowledge and Power- P4-5

Nam-Mic, making a mark

inthenancialsector- P8-9

Connecting the Founding Father to

the young generation - P9

UnderstandingCassingaDay- P10

WorkersDay- P12

NLFSreportrevealsanincrease

in the Economically Active Group - P13

SupportLocalProducts..- P14

ItsOk.- P14

SMEsDosandDonts - P15

10beststepstowardsasuccessful

personalbudget- P15

Insuranceoffurnitureyoubuy - P16

InvestorsshowinterestinNamibia- P17

MyPointofView- P18

Whatisproduct

liability? - P19

Bank Windhoek

makesbuying

a new vehicle

affordable- P20

Consumer

Protection Act

needed in Namibia - P21

Editors Note

The Consumer News continues its mandate to be a public sphere throughwhich we connect consumers to the manufactures and policy makersand thus discuss issues which benets not only the consumers, but also

informs the policy makers and retailers to align themselves to the needs of theconsumers.

As noted by Simon Mainwaring, Consumers now have a voice. And the factthat consumers can be creators, producers and distributors means they can pushback against brands to punish them for their socially irresponsible behavior orreward them for their responsible behavior.

In this months edition, The Founding Father of Namibia, His Excellency DrSam Nujoma speaks to the youth who are the future leaders, and advises them torefrain from alcohol and drug abuse and focus on training and education as theweapons they must use to win the ght against economic independence, which isNamibias second struggle.

We have also updated our readers on the improvements and changes takingplace within the nancial sector in Namibia, by interviewing the Chief ExecutiveOcer for NFSH, Mr Walter Don and learn how the company is playing acrucial role in the transformation of Namibias nancial sector by addressing thechallenges brought by the critical shortage of skilled management and sta in theinsurance, banking and consultancy sectors in Namibia in an innovative way.

We have boned all these exciting stories with our regular columns to maintainour avor. May you enjoy reading the pages of the book, until next time..

ContaCt details

Namibia Consumer Protection Group: Milton Louw. E-mail: [email protected]

Namibia Customer Service Institute: Jon Allen. E-mail:[email protected]

Website: www.namibiacsi.com

Namibian Consumer Lobby: Bob Ziekenoppasser. Te: 064 - 46 1461 or 081 284 8000

Namibian Standards Institution: Tel: 061 38 6400 / Queries: [email protected]

Website: www.nsi.com.na

I there is a book you really want to read but it

hasnt been written yet, then you must write it.

Our mission is to create a platorm or you the Namibianconsumer, who strives to see improvement in the value

o goods and services and are savvy enough to spotmisleading advertising and poor quality products andservices. You deserve more, and together we have powerin numbers, so we welcome your contributions, eedback,acknowledgements and your voice on products and servicesthat need our investigation.

You deserve more ...

Toni Morrison (US novelist)

Willem Gariseb

For all your advertising needs contact: Willem Gariseb at:

Cell: +264 (0) 81 249 8161/+264 (0) 85 551 9337 Fax2mail: +264 (0) 886 44443

Email: [email protected]/[email protected]


4/244 Consumer News

Tg d Educt, e

t wledge d Pwe

The Founding Father of the Re-public of Namibia, His Excellen-cy Dr Sam Nujoma has outlined

Education and Training as key to knowl-

edge and power, which will channel thenation towards the accomplishment ofthe Vision 2030 goals and objectives.

Dr Sam Nujoma is the visionarybehind the Vision 2030 document whichhe outlined as a vision that will guide usto make deliberate eorts to improve thequality of life of our people to the level oftheir counterparts in developed world bythe year 2030.

In an interview with the ConsumerNews Magazine, the Founding Fathersaid that the Government must channelits resources towards education and

training in order to eradicate poverty, dis-ease and ignorance from the face of Na-mibia and that of the African continentso that the youth of Africa will be able to

compete with the rest of the world.Dr Nujoma said, The most important

thing for us in Namibia is to adopt apolicy of self-reliance by means of produc-tion which adds value to our products.We have gold and copper which we mustprocess here to cable wire.

This is in line with one of the Vision2030 objectives which seeks to developa diversied, competent and highlyproductive human resources and institu-tions, fully utilizing human potential andachieving ecient and eective deliveryof customer-focused services which are

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

Cumr nwMgzHghghr rh mh

Drought in Namibia isgetting worse

Land a big issue in Na-

mibia many Namibiansstill landless

House price sky rocket,average Namibia cannotaord a house

Bank Windhoek is tryingto make vehicle aord-able

UN mayor conference tobe held in Namibia 2013

Crime rate is increasingin Namibia

Unemployment rate isalso high

Otavi and Expo were ahuge success.

Willem Gariseb shake hands with Dr

Sam Nujoma.


5/245Consumer News

Government

must channel

its resources

towards

education and

training

competitive not only nationally, but alsoregionally and internationally.

He noted that Namibia used to bethe producer of 95% of gem diamond ofwhich the 5 percent came from the thenSoviet Union and advised the nation tomake sure that all the resources avail-able in the country are processed locally

and exported as nished goods to othercountries.

This is what we mean by self- reli-ance and economic independence; wemust not to rely on import of goods fromforeign countries.

That means we have to inject moremoney on education and training of ouryouths especially in the eld of Geology,Mining Engineering, Quantity Survey,

Marine Biology, Geology. This will helpus to know what we have in the country,and then we can produce the goods fromthe resources we have and export themto other countries as nished products,he says.

Dr Nujoma expressed his joy in theconstruction of new infrastructure thatshows the development taking place inthe country especially in the educationsector.

The Founding Father said, The infra-

structure that we have created is very im-portant. When we got our independenceon 21 March 1990, there were no Univer-sities in the country and now we have theUniversity of Namibia, the Polytechnic ofNamibia which is now the University ofScience and Technology, and the Schoolof Medicine in which we are training ourown doctors and we must be proud ofthat.

In terms of youth empowerment in theinvolvement towards the development of

the country, the Founding Father said,We must make sure that all our youthattend school and must fully support theMinister of Educations idea to establishVocational Training. If a youth drops outof school, he/she can go for vocationaltraining to be able to construct houses orprocess leather products because we getthe leather from cattle and people can betrained to make shoes.

We do not need to import shoes butwe have to process everything here andexport them in ready form, which willbring forth foreign currency to strengthenour economy.

He also advised the nation to be proudof local products and support SMEs asthis will enable the nation to win the warfor economic independence.

We must be proud of our country andproducts. We fought and liberated ourcountry and now we must ght for eco-

nomic independence. The war for eco-nomic independence means education andtraining of all our youths. Let us go back toeducation and training and also manufac-turing of all the goods we produce here likeminerals for example, he said.

Dr Nujoma also challenged the youthof Namibia to take their education seriousand continue with their education until theyacquire a certicate or some other qualica-tion.

I can give an example of when I retired

from Oce; I went to UNAM andstudied Geology. I know now we havea very rich iron ore, which is the base ofeconomic independence. With iron orewe can produce our own local products.So we have everything in this country.

Dr Nujoma concluded by advising theyouth of Namibia to refrain from alcoholand drug abuse and concentrate on edu-cation and training.

General Manager of Consumer News Willem Gariseb and freelance journalist Michael Tambi, interviewing th e Founding

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


6/246 Consumer News


7/247Consumer News


8/248 Consumer News

Nam-Mic Financial Services Hold-ings is playing a crucial role in

the transformation of Namibiasnancial sector by addressing the chal-lenges brought by the critical shortage ofskilled management and sta in the insur-ance, banking and consultancy sectors inNamibia in an innovative way.

Coming with a vision to be the leadingNamibian broad-based economic em-powerment, by creating opportunities forbuilding and distributing wealth for all itsstakeholders, Nam-mic Financial ServicesHoldings, NFSH operates through its

subsidiary, Nam-Mic Financial Solution(Pty) Ltd which oers micro-nance tounion members in partnership with BankWindhoek Limited.

Nam-Mic opened its doors in 2002,

Nam-Mic Financial Services Holding (Pty)Ltd,

making m the fcl ect

Chief Executive Ofcer for NFSH, Mr Walter Don

when the Namibian Mineworkers Invest-ment Holding Company (Nam-Mic Hold-ings) decided to establish the rst Namib-ian nancial services company controlledand owned by previously disadvantaged

Namibians. As a result Nam-Mic Finan-cial Services Holdings Group (Pty) Ltd(NFSH) was created on 11 October 2001and was ocially launched by His Excel-lency, Dr Sam Nujoma.

According to the Chief Executive Ocerfor NFSH, Mr Walter Don, the companyis there to empower workers to make anindependent assessment of nancial servicesand products that will better serve theirinterests.

He said, We are a mass based organiza-tion created to benet the workers that

have been grouped under a unique Labourmovement that has a history of resistanceagainst workplace exploitation and nancialexclusion.

Our aim is to continue responding tomarket opportunities by creating new nich-es that can be served through variable costbusiness plans. We strive to make real-timeproduction in response to customized de-mand the norm. The company will continueto invest in targeted and BEE transactions/projects that support economic develop-

ment in underdeveloped areas where mostof its clients hail from.

Don added that, Through Nam-MicFinancial Solutions (Pty) Ltd, NFSH is

attempting to innovatively address the criti-cal shortage of suitably skilled managementand sta in the insurance, banking andconsultancy sectors in Namibia.

The companys micro-nance business

unit also provides payroll deduction servicesto private sector companies, state ownedenterprises and government to providenancial services to members of the unionsaliated to NUNW.

We believe it has the ability and techni-cal support to play an essential role in thetransformation of nancial services in thecountry, says Don.

According to Don, NFSH is a trulybroad-based black economic empowermentcompany with more than two-thirds of itsshares owned by NUNW aliated unions

with the Mineworkers Union having 33.9percent, the Namibia Public WorkersUnion 19.6 percent and the Namibia Foodand Allied Workers Union 6.5 percent holdtheir investments in NSFH through theirrespective investment holding companies.

The National Teachers Union ofNamibia holds ve percent of the shares,whereas the Namibia Transport and AlliedWorkers Union have 2.5 percent shares andNamibia Farm Workers Union 0.4 percentrespectively.

Commenting on some of the major chal-lenges which the company has faced overthe past few years, the Chairman of NFSH,Mr John Shaetonhodi said establishing the


9/249Consumer News

company itself was a huge challenge.First we had to nd a credible and repu-

table partner in the nancial sector to workwith in order to set up essential structures, tobe able to provide services we wanted for theclient base we were representing.

By entering the business of nancial services,we were aiming at extending our footprintbeyond the traditional credit products andsavings deposit facilities that dierent types ofnance institutions provide at varying de-grees, said Shaetonhodi.

He also noted that the NFSH Group sup-port the Namibian Financial Sector Strategyto ensure necessary reforms are implementedso as to extend benets derived from the sectorto the previously disadvantaged Namibians.

Don added that, The NFSH Groupsaudited net asset value grew through the N$250 million threshold and our prots after taxexceeded N$69 million for the nancial yearended 30 June 2012.

NFSH has consistently increased dividendpayouts from a mere N$1.8 million in 2007 toN$12 million in 2012. This showcases our con-tinued commitment to give back to our share-holders. Through our strategic partnershipswith NUNW aliated unions, NFSH haspaid out more than N$3 million in commissionfees to unions, a sign of continued growth, heconcluded.

Walter Don

Our aim is to continue responding to market opportunities by

creating new niches that can be served through variable cost

business plans. We strive to make real-time production in response

to customized demand the norm.

T

he Swapo Youth League hostedthe 12 May Movement at Onawaya Kiliana village in Okatana

constituency, in the Oshana region

which coincided with the celebration ofthe Founding Fathers 84th birthday.The 12 May Movement is a day

intended at celebrating the lifetimeachievements of the Founding Father ofNamibia and is a movement to promotethe ideals and aspirations of the Pan-African philosophy, which the FoundingPresident, Sam Nujoma, has made partof his career.

The movement, launched last year bySwapo Vice-President, Dr Hage Gein-gob, on behalf of President Hikepunye

Pohamba, was founded to honour Nu-jomas birthday, which is celebrated onMay 12. This year the Founding Father

turned 84. The Swapo Party PioneerMovement respesentative for OshanaRegion, Indileni Iipinge was recentlyquoted in the local media saying that 12

May Movement is linked to the promo-tion of Nujomas philosophy, valuesof patriotism and leadesrship qualitywithin the youth of SWAPO Party andNamibia.

Okatana as this years event for thecelebration of the event was selected asa venue due to the fact that this was thesame site where His Excellency, Dr SamNujoma addressed the rst SWAPOrally held in 1989 upon his return fromexile, prior to Namibias Independence.

Last year, during the launch of the 12

May Movement Day and the celebrationof his 83rd birthday at the Vineta SportsStadium in Swakopmund, Dr Sam

Nujoma said the 12 May Movement Dayshould also be dedicated to rememberNamibias forefathers such as CaptainHendrik Witbooi, Jacob Marenga, Chief

Samuel Maharero, Chief KahimemuaNguvauva, and Chief Mandume YaNdemufayo, whose heroism inspiredthem to continue with the struggle untilthe nal victory was achieved.

He also called upon the youth, particu-larly the SPYL, to make use of availableopportunities and engage in genuinebusiness ventures to contribute to eco-nomic development through manufactur-ing and value addition of natural resourc-es and reject tribalism and the social evilsof alcohol and drug abuse, and violence

against women and children, and urgedthem to remain focused on pursuits thatare aimed at building a better future.

Connecting the Founding Father

to the young generation


10/2410 Consumer News

In 1978 Namibia, (then known asSouth West Africa), was very closeto a possible implementation of the

Independence process. The ve Westerncountries in the UN Security Councilwere negotiating with the apartheid SouthAfrican regime and the liberation move-ments represented by SWAPO. Theirproposals were submitted to the SecurityCouncil (S/12363) and they included:

elections for a Constituent As-sembly, supervised by the UN inconjunction with the SA-appointedAdministrator-General, by31.12.1978;

a cease-re; a reduction of SA troops and their

connement to base in Grootfon-tein or Oshivelo or both;

the restriction of SWAPO soldiersto a specied number of locations insouthern Angola;

the disbanding of local commandosand tribal forces in Namibia, withall of these to come under UNsupervision;

amnesty for political detainees onboth sides; and

granting Namibians in exile theright to return.

The Western Contact Group deter-mines 31 December 1978 as the nal datefor Namibias independence, and UN-

supervised elections for a ConstituentAssembly are to take place in June 1978.

In the meantime, the South AfricanDefence Force (SADF), was planningan attack on the town of Cassinga on the4th of May. It was specically chosen asit was after the United Nations SecurityCouncil debate on South West Africaended so as to avoid making lives dif-cult for those countries favourable toSouth Africa. In what is called Opera-tion Reindeer, the SADF planned anairborne assault on Cassinga as the townwas 260km from the border and deep inAngola.

At this time the camp had around 4000 refugees from SWA/Namibia. Mostof these were mostly young people includ-

ing students, or families with youngchildren waiting to be sent onward toschools abroad or to some other desig-nated permanent settlement areas.

In the early morning of 4 May theSADF air strike dropped over 1 200anti-personnel bombs, 30 000 poundsof high-explosives and ended it with atwo-aircraft strang run with 30mm highexplosive fragmentation shells. Behindthese bombings, the paratroopers camein killing everyone still alive by either

shooting them at point-blank range orbayoneting them. Perhaps only a handfulof prisoners were taken and brought to

the notorious prison camp at Kaiganach-ab, west of Mariental.

The ocial death toll according to theAngolan Government was 624 of whom159 were men (of which only 12 weresoldiers), 167 women and 298 teenagers.A further 611 Namibian refugees werewounded in the attack. All the dead wereburied together in two mass graves.

AftermathofCassinga

SWAPO breaks o all negotiations,but with some reservations decides toaccept in mid-July the Western Fiveproposals, which the Security Councilthen raties in SC Resolution 431. A UNSpecial Representative for Namibia,Martti Ahtisaari, is nominated to prepare

for the UN-supervised elections.Hendrik Witbooi is detained following

SAs raid on Cassinga and the subse-quent SWAPO attack on the GuruchabBridge on the highway between Keet-manshoop and Grnau. PLAN alsoattacks a railway bridge between Karibiband Usakos.

After that some SWAPO activists arearrested: Peter Nangolo Iilonga, JohnAlfons Pandeni and Wilhelm Biwa. Theyare charged in terms of the Terrorism

Act, No. 83 of 1967 and sentenced toprison terms between 18 (Pandeni) andsix years (Biwa).

Udetdg Cg D

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r), 167 wm 298 gr. a urhr611 nmb rugwr wu hck. a h wrbur ghr wm grv.

i h ry mrg 4 My h sadF r rk rpp vr 1 200 -pr bmb


11/2411Consumer News



In Namibia many people celebrateholidays in the month of May with-out knowing the history of the days

or more importantly why we shouldremember these days as having a personalimportance to us as citizens. Our nationalcalendar for the monthly holidays for 2013has four public holidays and starts withthe International Workers Day on 1 May.

Though Workers Day is traditionallyassociated with the workers struggle, andthus a day for interaction between workers

and their representative organisations,many other workers also use this day asa day of rest and consider it to be theirright to desist from work on this day.

During the struggle for Independence,the political parties were mostly con-sidered socialist or communist, and theApartheid Regime saw the celebrations ofMay Day as subversive.

Therefore, the workers and students,who were the most organised of theinternal struggle structures, used the 1st ofMay as a rallying point for seeking to pushnot only the rights of the workers, but therights of all the people in the country to befree.

The most well-known of these organ-isations were the National Union ofNamibian Workers (NUNW) whichwas established on 24 April 1971 and the

Namibia National Students Organisa-tions (NANSO) founded in 1984. Bothof these organisations are aliated to theSWAPO party and thus their memberswere also represented in SWAPO duringthe discussions of which days to recogniseas National Public Holidays. Thus itcame to pass that Act 26 of 1990: PublicHolidays Act included Workers Dayin its schedule of public holidays to becelebrated in the country.

Interestingly, in 1955, the Catholic

Church dedicated May 1 to Saint JosephThe Worker. The Catholic Churchconsiders Saint Joseph the patron saint of(among others) workers and craftsmen.

WorkErs Day 1 May 2013

Wrkr dy ry c wh h wrkr rugg



The Namibia Labour ForceSurvey (NLFS) 2012 report re-

cently released by the NamibiaStatistics Agency (NSA) shows thata great percentage of the Namibianpopulation aged above 15 years andabove are in the economically activegroup.

According to the NLFS report for2012, 66 per cent of the population aged15 years and above in Namibia is in theeconomically active group, which formsthe labour force, while 31 per cent isoutside the labour force.

The report also revealed that closeto three quarters (72.6 per cent) of thelabour force are employed and thatthe employed population of 630 094persons obtained from the 2012 survey isalmost twice that of the 2008 survey whichputs the employed population at 331 444persons.

Further, the NLFS 2012 producedan unemployment rate of 27.4 per cent,much lower than the rate of 51.2 per centreported in the previous survey and thesubstantial increase in the number of

employed and the large decrease in theunemployment rate is largely due to animproved methodology that resulted inbetter capture of categories of employed

people other than paid employees.Prior to the NLFS 2012, the Namibia

Population and Housing Census of 2011recorded a higher unemployment rate of37 per cent.

The dierences in the estimates, accord-ing to the NLFS report, can be attributedto the detailed coverage of labour forcevariables in the survey compared to theCensus. While the Census of 2011 hadonly one question which was used todetermine the employment status, thelabour force survey of 2012 had nine

questions which were used to lter outin more detail the employed and unem-ployed persons.

The obvious dierences can be ob-served in the number of employedpersons in the categories of unpaid familyworkers and own-account workers.

The survey also recorded a highernumber of 37 879 and 68 906 personsrespectively for unpaid family workersand own-account workers. On the otherhand, the Census recorded 10 075 and 17163 respectively for the same categories.

NLFS report reveals an increase

in the Economically Active Group

th nmb lbur Frc survy (nlFs)

th urvy rcr hghr umbr 37 879 68 906 pr rpcvyr up my wrkr

w-ccu wrkr. oh hr h, h Curcr 10 075 17 163rpcvy r h mcgr.



We usually get caught betweenshould I, and should I not? There aretimes when we do something with ournances and later regret unnecessarily.But what if its ok?!.

So Its Ok to Pick up your 5 cents coins inpublic

Have a coin box at the age of 30above

Refuse buying something nicebut you didnt budget for,despite all your friends gettingone.

Have two accounts and makea stop order from the incomereceiving account to the specialsavings account

Seek nancial advice from anexperienced friend

Refuse to borrow ( live withinyour budget)

Drink water after a meal, whileyour social friends always havewine after a meal

Be stingy Buy a strong NAD400 jean of

good quality over a NAD200 Teach your children how tosave from a tender age of 5

Refuse buying a toy that yourchild is crying for

Buy a NAD8000 water purierthat will last for years

Put some money aside for emer-gency purposes

Call yourself broke when youhave money on your special sav-ings account(s)

Never lend money to friends

and family Refuse to protect your children

from the valuable experience ofpoverty

Gone are days when I pre-ferred SA produced products

over our own products. Ialways had all the negative reasonsfor Namibian products. To me, localproducts were either of unproved lowquality or they are too cheap for mylikes.

When I came to varsity, I developedmad love for our local products. Asan economics student, I felt a hugeresponsibility for my countrys owneconomy.

My dad always told me that if I

didnt like my feet, who would. I neverput that in economic terms till I didmy own little research.

Since then, every time I go to theshop I always look for locally producedstu. When you buy local products,Its like supporting your own brothersbusiness ; the prot always comes backto the family. So always support localproducts because at the end of the day,you are doing a great favor for youreconomy.

When you support local products,you help our economy grow through

market expansion by increasingdemand for local products yet

helping our local producers tocompete internationally throughlocal competition. This is veryimportant as in puts ourcountry in the worldmap while helpingreduce the prices ofsome goods becauselong distance trans-port costs are excluded from the localpricing. When you enter the shops,always look for local products which

are increasingly entering the localsupermarkets almost every day.

These products are always thesame and sometimes even better than,imported goods.

Namibia is a developing country andindustries are emerging and growingso do not be afraid to shift from yourtraditional foreign products. Alwaystry out new local products becausegrass is not always greener on theother side.

Buy Namibian, Go Namibian.because LOCAL IS LEKKER

Support Local Products..

By nmguuk nkh

Gone are days when I used to throwaway 5 cents coins in the streets and evenleave them at the till, but that is before I

discovered the beauty in savings.When I was around the age of 11, mydad always taught me to save even 50cents a month. This sounded ridiculousfor me and I never really took him seri-ous till I came across one book on thebeauty of savings. I have come to realizethat what is important is not the amountthat you save per month but developingthe habit of savings.

As a student studying Economics,savings were just part of the Income- Ex-penditure equation, nothing more, noth-

ing less. But when I developed the habitof savings, I am now enjoying it.

My advice is, always have a specialsavings account where you save yourmoney for something and set a rule forit when it comes to withdrawals. Thisshould not be the account that you usefor daily transactions. This can help yousave money.

So stop ignoring what seems to be lit-tle. Every penny adds up to your savingsbalance. Start saving without stopping

and remember to always include savingsin your budget.

Until next time. Keep Saving

A Penny

Saved isa Penny

Earned

Its Ok .



The following are the ten steps towards a successful budget: Take some time to think about how often you would be doing your budget(shopping) Write down the list of goods on a sheet of paper Have a specic amount (maximum) that you set up for your expenses Brainstorm on whether your expenses correspond with the amount allocated Needs should must be your priority The wants can follow at the last section of your shopping list No Luxury: You would not really want to not save up anything or to exceed your maximum amount

Allocate enough time to do you shopping, do not rush Look for the shops with the best prices and good quality Relax, shop wise and keep receipts for guarantee purposes.

best steps towards a successful personal budget

Goforquality,notquantity

When it comes to capital goods such as production machines,you should consider quality which is usually guaranteed andlasts longer. Do not buy cheap machinery just because they arecheap but remember consider value for money

Re-Investinyourbusiness

You should use some of your returns to re-invest in your busi-ness and to expand.

LookforFinancialadvice

As a determined enterprise, you needed some tips and guide-lines from experienced nancial advisors or people with thesame experience from the same type of enterprise. You can alsoget information from related books, attending short courses orfrom the worldwide web.

BudgetWisely

Budgeting is not strictly for private individuals. You need tobudget for your enterprise too.

Dontmixyourpersonalnances(money)withbusi -

nessnances

Always try to separate your personal money with businessnances in order for you to control and monitor the (Revenue -cost = Prot) equation.

Dontbuyluxuryforbusiness

Remember that it is business needs, not private needs. So onlybuy things that are needed for running day to day businessows.

Dontgivethingsoncredit

Credit saves everyone, but it is a big risk for small to mediumyet growing enterprises. Sometimes you might want to reinvestin more capital but there is no money because your debtors didnot settle their bills yet. You wouldnt really want to delay yourbusiness expansion.

Dontoverchargeclients

Price your goods correctly. Clients always opt for fair prices andeveryone wants to go for Value for Money.

10

SMEs D and Dt



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

Customer Protection Ins (22% pa) ...........................................3, 953.10Revenue Stamp............................. .................................. .............. 15.00SUB-TOTAL.................................... .................................... 11, 780.58Less Deposit: Cash......................... ...........................................620.00Trade-in.......... ............................... ............................ ..................... 0.00SUB-TOTAL.................................... .....................................11, 160.58Contract Fees (incl. VAT) ...........................................................90.00Finance charges @ 18.80% p.a......... ....................................... 2, 2315.44Balance of Purchase price................. ..................................... 13, 566.02Add back deposit.......................... ... ................................ ........... 620.00TOTAL PURCHASE PRICE.................. .........................14, 186.02Total V.A.T included above............... ................................... .. 1, 546.34

UrniTUrEyou buy

Insuranceofth wgcrrpcw rcv rm cumr:Yur wrk cumrwr hugypprc. i m v rr yurcum. i m hwvr wh lw. Myprbm w: ibugh rg lwh mh r vwg vr h y n$364 pr mh ccuv. th vrmpr m bcu

w m hi w h hp rcv h wg:

My concern is why is my deposit which is supposed to bededucted from the total cost of item being added to the totalamount and why am I not allowed to provide for my own Insur-ance?

I approached the manager at Lewis and was told that theycan remove the insurance but they cannot adjust the totalamount because the deal has already gone through.

I do not understand why my monthly instalment cannot beadjusted because of the same reason. I was more motivated topurchase the fridge because it says Including All Costs, whichI interpreted as implying that all additional charges are in-cluded, for example, Handling Charges, Financing, Insurance,

Stamp Duty, etc. Up to now, the manager cannot explain to mewhat Includes All Costs means. She said she has referred thecase to her regional manager.

Dear Consumers, this is a common problem for many cus -

tomers who buy on instalment credit. First, let me addressthe issue of the deducted amount. This is normal practice

and just shows that the amount was already paid. You arenot paying twice in this regard.However, be careful of the Customer Protection Insur-

ance. This is a tricky issue as most furniture stores willwant to insure the furniture so that if they get stolen, yourinsurance will cover the rest of the instalments you wouldhave to pay. It may sound like a good idea at rst, butbeware of losing something and you claim from the store.

What will happen is that the store will ask you (onceyou report the goods stolen) for a household insuranceand if you have then they will tell you that it is illegal toclaim twice from insurance on the goods and you mustclaim from your household goods insurer.

In fact, many times the stores have refused to pay outclaims even when the consumer had no other household insur-ance after nding some loopholes in the contract.

The bottom line is that you should rather insure all yourhousehold goods with a short-term insurer which is recognisedby the Namibian Financial Supervisory Authority (NAM-FISA).

If you then buy goods on credit, make sure you take yourhousehold insurance proof with you and inform the furniturestore so they cannot charge you for this service, which will bemore expensive than necessary and probably not give you thetype of cover you require.

Even better, save up your money and buy your goods withcash. The consumer who sent the inquiry could have boughtthree new fridges for the same price, if they had bought cash ata certain dealer in Windhoek. Keep that in mind.



The Namibia Tourism Board(NTB) recently attracted asignicant number of potential

investors, as one of more than 80 coun-tries exhibiting at the Arabian TravelMarket in Dubai.

The Trade Fair, which is one of thebiggest tourism expos in the MiddleEast, was ocially opened by HisHighness; Sheikh Mohammed BinRashid Al Maktoum, Prime Ministerof the United Arab Emirates andRuler of Dubai and is taking place atthe Dubai Convention and Confer-ence Centre, an exhibition hub inDubai which has attracted around2700 exhibitors.

According to Maggy Mbako, thePublic Relations Ocer for NamibiaTourism Board, Unlike when Na-mibia Tourism Board participated forthe rst time in 2012 where very fewpeople visited the Namibian stand,this year, the stand was overwhelmedwith a number of queries, from out-bound tour operators, travel agents,hunting enthusiasts and media houseswhich wants to include Namibia intheir brochures, both from MiddleEast and other participating coun-tries.

Mbako said the Namibia TourismBoard sta at the stand handled alot of enquiries from individuals whowish to plan their holidays to Na-mibia on their own, with the highestinterest being exclusive safaris andhunting. This, according to Mbako, isa wakeup call to the Namibia Tour-ism Industry to start working hard inadjusting the necessary services that isaccommodative to the Arabian travel-lers.

I am excited about so much interestinNamibia at the Arabian Travel Mar-ket, while I was under the impressionthat we have to work hard to even get

them pronounces the word Namibia.Come 2014 , I am encouraging

more Namibian Operators to joinNamibia Tourism Board to marketNamibia fully and at its best to theMiddle East, said Benita Herma, a

NTB Board Member.Mr Klemens /Awarab, Head of

Marketing at NTB said There is anopportunity for, especially the upmar-ket tourism sector and the huntingindustry. It is a denite must for thetwo sectors to attend the ATM

Mbako added that Namibia isusing the Arabian Travel Market(ATM)platform to maximize on theawareness of being the host of theAdventure Travel World Summit inOctober 2012. Regular delegates tothe ATWS from countries like Peru,Jordan, Argentina, Mexico and manyothers, visited the Namibian standto hear what they can expect from usin October, and it is very interestingto note the research they have doneabout Namibia and the informationthey have at hand which makes themexcited and look forward to the Na-mibian experience, said Mbako.

According to HeikoEmmel fromOvita Conservancy- Game Ranch,

one of Namibian operators in atten-dance with NTB, the ATM is a greatexperience and platform for Namibianenterprises. We have the possibilityto reach an untouched market in theMiddle East and Asia.

The business opportunities in thisarea of the world are great and thepeople in the Middle East and Asiaare looking strongly for new experi-ences andNamibia can provide suchexperiences.

The Namibia Tourism Board del-egation is led by Ms Benita Herma,NTB Board Member and Mr Kl-emens /Awarab, Head of Marketing.

Investors

show

interest inNamibia

Benita Herma, a NTB Board Member.

Come 2014 , I am encouraging more Namibian

Operators to join Namibia Tourism Board to market

Namibia fully and at its best to the Middle East.

Mbaki Mbako the Public RelationsOfcer for Namibia Tourism Board.

Klemens /Awarab

Benita Herma



My Point of View

As mothers we have the God-givenright to choose how to raise ourchildren-: whether we listen to our

friends, our mothers, and people around us,even those who do not have children.

My husband and I decided to exposeour son to noise from birth. I generally amtalkative, so it was tting for him to growup in an environment that was noisy andjoyful. I have friends who did not allowvisitors to their house whilst their baby was

asleep, and they just would not open thedoor, used to switch o their phones, and Iguess there was dead silence in their house.Their daughter is now 2 and they are stillprisoners in their home. This is what wewanted to avoid. When my son is sleeping,we talk in our normal voices; we cook, cleanand carry on with life as normal. He oftensleeps in his pram regardless of the noiseand we do not do it on purpose but it justhappens that way. He has never woken up

because of noise and our lives do not cometo a standstill when he sleeps. I call this ourhousehold white noise.

I read quite a bit about white noise inpregnancy books and on websites. Theysay that inside your womb it is quite noisy,and that was home to baby for 9 months,so it is only tting that they feel at home onthe outside when it is noisy and not quiet.Read about it and then decide for yourself,it worked for us.

Mthhd sleep

We recently went on a work trip tothe southern part of the countryin Ludertiz and Oranjemund to

be specic.Although the town is very far from the

central coast, we found Oranjemund to be

pleasantly hospitable. We stayed at whatseems like the world famous Op my StoepLodge, which I found to be a very charm -ing, and uniquely decorated place.

They have a number of plates on one wallfrom all over Africa and you cannot over-

look the colourful view of ags from variouscountries all over the world. I have neverseen as many peak caps in my life!

The owner, Fanie Smit is the one whopours your whiskey. He runs your creditcard through the machine and I could tell

by merely looking at how eciently he didhis job that this man has been doing this fora very long time, as he strikes up a conversa-tion quite easily.

The ride to Oranjemund was excruci-ating and painful, but the food was well

worth the trip! I cannot recall ever havingsuch delicious food that I did not preparemyself, at a very cheap cost. Their whiskeyis N$15.00 a tot, beer N$14.00 and cidersN$16.00. Starters are all below N$50.00and seafood on average costed N$100.00.

Their rooms are spacious, with showers,a mini DSTV bouquets and single bedswith real matrasses. I rate their food 12 outof 10, service 9 out of 10 and the total overallexperience 9 out of 10. I did not nd any-thing to complain about in Oranjemund.

The opinion expressed for the articles are not from Consumer News but

are the opinions of the writer.

Hiing an ahitt:

Most people normallychoose to builda custom home

and then hire an architectto design it for a number ofreasons.

Most clients desire adistinctive, unique design

expressing their tastes andtheir dreams to get exactlywhat you want in a home, andmany choose to build a cus-tom home to celebrate theirsuccess in life.

Choose your architectcarefully and always learn toask the right questions: Areyou compatible? Can you work togethereasily (and for a long time)? Look at thearchitects previous work. You may not see

exactly what you want, but the style andcharacter should appeal to you. Alwaysask for and check their references.

As a part of his services, an architect

will discuss your goals, requirements,budget, and special needs and (s)he willvisit and study your plot. The architectwill then work to translate your dreams

into reality in the form of design conceptsketches. Next, he will prepare a detailedset of construction drawings and specica-tions which will be used to obtain accurate

and comparable quotationsfrom potential contractors.The architect may oer tohelp you select appropriatecontractors to quote yourproject, review those quotesand assist in selecting yourbuilder.

The architect will alsoprovide assistance through-out the construction ofthe house and observe theconstruction process, helpwith changes, look out forquality control, assist inmaking design decisionsand professionally represent

the owners interests.If you chose the right architect, who can

design your vision accordingly, and they

can design your vision accordingly, andthe contractor can construct your dreamhome, you should have no problems mov-ing in



Product liability law is a specializedsubdivision of consumer protection law interms of which manufacturers, distributors,suppliers and retailers of products are heldresponsible in the event that their productscause damage to consumers due to thedefectiveness thereof.

Relevance to the Namibian con-

sumer

Although seldom employed, productliability law is not an altogether foreignconstruct in the Namibian context. It is cur-rently rather cumbersome for consumers torecoup damages resulting from a defective

product from the likes of manufacturersand retailers, due to the fact that our systemis still a fault-based system, as governedby common law. In terms of Namibiancommon law persons who suer loss orimpairment due to the defectiveness of aproduct have recourse to both contractualand delictual remedies.

Under the law of contract the seller of adefective product can be held in breach ofcontract where he or she gave a guaranteeagainst product failure. The general prob-

lem in practice, however, is that contractualguarantees are mainly employed to limit orqualify the sellers liability to replacement orreparation of the defective product.

Further contractual remedies at the con-sumers disposal are the so-called aedilitianactions, namely the actio rehibitoria and theactio quanti minoris. These two remediesfunction on an either/or basis at the electof the consumer. Same can be employed toboth nullify the contract and claim back thefull purchase price, or to claim a reductionof the original purchase price whilst retain-

ing the product. These actions do howevernot provide for compensation for conse-quential loss, unless the seller was also themanufacturer of the product or a merchant

who professed to have expert knowledge ofthe particular product.

A further limitation of the contractualremedies is that it only provides recourseagainst the immediate seller of the defectiveproduct, and not against the manufacturerthereof, unless of course the manufacturerand seller is one and the same person.

In the event that delictual law is em-ployed, product liability cases are settledin terms of the Lex Aquilia. This does notprovide for strict liability and thereforethe ordinary requirements of an aquilianaction must be satised, which include theproving of wrongfulness and fault on the

part of the manufacturer of the defectiveproduct. The wrongfulness of the sellers ormanufacturers conduct is tested against thestandard of reasonableness, or by invokingthe principles of public policy. It is said thatmanufactures have the duty not to exposethe consumers of its products to harm. Thisduty is breached when manufacturers pro-duce and distribute defective products.

Negligence or fault, on the other hand, isproved when it can be said that the seller ormanufacturer has not kept the duty of care

expected of the reasonable person in thesame circumstances. In other words, thata reasonable person in the same positionas the manufacturer would have guardedagainst the harm occurring, but that themanufacturer has failed to do so. The fore-seeability and possibility of prevention of thedefect and the harm it caused is therefore ofparticular relevance.

The negligence burden of prove requiredby Namibian law is hefty. Wherefore,courts may to employ a procedural devicecalled res ipsa loquitur to alleviate this bur-den. The res ipsa loquitur doctrine denotesthat negligence may be inferred from thedamage causing actions of the defendant,i.e. that the facts speak for themselves. Such

an inference is only justied when it can beconcluded from general knowledge andexperience that the damage would not haveensued but for the fact that the manufac-

turer/seller was negligent.As stated above the claimant mustnormally prove fault on the part of thedefendant. However, in very limited casesstrict liability applies, rendering the sellerliable for damages resulting from a defec-tive product without fault on its part. Inthese instances sellers therefore have anadditional duty towards the consumer toinspect the goods for latent defects.

Howisproductliabilityenforced

elsewhere?

The Namibian fault based system standsin strong contrast to the strict liabilityregimes followed in consumer consciousjurisdictions such as the USA, Europe andeven South Africa.

In these jurisdictions the continued ad-vocacy and focus on consumer welfare ledto the recognition of pertinent consumerrights, which ultimately changed the prod-uct liability law from a fault based to a strictliability system. More specically, in SouthAfrica the transformation took place due to

recognition of consumer rights such as: Right to equal access to the con-

sumer markets; Consumers right to condentiality

and privacy; Consumers right to choose; Right to disclosure and information; Right to fair and responsible market-

ing and promotion; Right to honest dealing and fair

agreements; Right to fair value, good quality and

product safety; Suppliers accountability to consum-ers.

Thewayforward

In Namibia we should certainly also strifeto attain a level of consumer welfare whereexplicit consumer rights are recognized.This can only be achieved if we continueto advocate and discuss the matter untilwe are ready to eect holistic legislativechange. It is my humble submission thatthe current recognition of the importance of

consumer welfare in the Competition Act2 of 2003 is a good start. We are howevernow at a stage where we need convert sameinto pertinent and enforceable rights.

What i product liability?

By Coenraad B. Nolte (LL.B., LL.M.)

th curr c

pruc by w nmb Cmp cumr prc: tm rcr ur u bym rr cvyvc h cumrwr g?



The South African Airways (SAA),Africas most awarded airline,recently entered into a code-

share agreement with Air Seychelles,the national airline of the Republic ofSeychelles.

The rst phase of the agreement willsee South African Airways place its SA

code on Air Seychelles non-stop ightsbetween Johannesburg and Seychelles.South African Airways will also place itscode on ights between the two largestislands of Seychelles, Mah and Praslin,subject to approvals.

Subsequent to the launch of the part-nership between SAA and Air Seychelles,the airlines will look into expanding theagreement to include Air Seychellesplacing its HM code on South AfricanAirways non-stop ights between Johan-nesburg and destinations across South

Africa.The deal follows a strategic move by

Air Seychelles to increase its connectiv-ity throughout South Africa and conti-

nental Africa. ManojPapa, South AfricanAirways GeneralManager Commercial,said: This partnership signals a strategicmove by both airlines to increase connec-tivity and grow their networks. This alsoaugments SAAs already extensive Afri-

can footprint. SAA currently ies directlyto 26 destinations across Africa from itsJohannesburg hub. Furthermore, thepartnership adds breadth to our network,incorporating two additional destina-tions to the existing global partnershipnetwork which provides in excess of 1329destinations in 194 countries globally.With strategic partnerships such as thisone SAA is able to provide its passengerswith more connections on the continentand across the globe.

Cramer Ball, Air Seychelles Chief

Executive Ocer, elaborated: Ourights to Johannesburg have been incred-ibly successful, reecting an increasingnumber of travellers coming out of South

Africa to the Seychelles for leisure, busi-ness and sport. Trac from South Africahas grown at a steady pace of 11 per centeach year for the past decade. In the rstquarter of this year alone, trac is up 13

per cent.With this codeshare agreement,

guests will be able to purchase ightsfrom South African Airways destina-tions onwards to the Seychelles on oneticket, making for a simpler and seamlessjourney.

We have also established a foundationfor twin-centre tourism products whichcombine a safari in Africa with a Sey-chelles beach holiday. SAA Holidays willalso be adding Seychelles to their holiday

program, providing a new channel forselling travel to our island nation andsupporting the vitally important tourismindustry.

B

ank Windhoek recently launchedits seventh annual Bank Wind-hoek/ Republikein Motor Show,

which will take place in conjunction withthe popular Namibia Tourism Expo from29 May to June 2013, at the WindhoekShow Grounds.

Speaking at the launch the ManagingDirector of Bank Windhoek, Christode Vries, said: The Motor Show hasbecome an important xture on the Na-mibian motoring calendar, as it presentsan excellent opportunity for aspiringcar owners, as well as car owners whowish to upgrade or add to their precious

eet of cars, to acquire the car of theirdreams.Christo de Vries added that, the motor

show provides a platform of convenienceand variety in the sense that prospec-tive buyers can view a variety of vehicle

brands and models in one place. Theplatform will also benet the motorvehicle industry through the unique

selling opportunity presented to themand, according to Christo de Vries, alsodemonstrates Bank Windhoeks commit-ment to building and strengthening ourrelationship with all stakeholders in themotor vehicle industry.

He said, The success of the MotorShow is not only reected in the increaserecorded in the number of visitors to theMotor Show and Expo, but has also beenregistered in our records.

Over the years, we have seen a posi-

tive increase in vehicle and asset nanceapplications at the Motor Show. Thesignicance and impact of the MotorShow cannot be underestimated giventhese results. Its success has contrib-uted to position Bank Windhoek as the

countrys market leader in the competitiveand challenging vehicle and asset nancemarket.

Bank Windhoek will also run a com-petition in which 10 lucky clients whonance their vehicles at the Show, caneach win one of 10 weekend breakawaypackages to participating lodges, irre-spective of which of the nancing optionsthe client has chosen.

Participating dealers will showcase anumber of vehicle brands, which includesAudi, Alfa Romeo, BMW, C.A.M.,Chery, Chevrolet, Chrysler, Citroen,Daihatsu, DFSK, Dodge, Fiat, Ford,

Foton, Geely, Hyundai, Isuzu, Iveco,Jaguar, John Deere, Jeep, KIA, LandRover and Range Rover, Mahindra,Mazda, Mercedes Benz, Opel, Peugeot,Renault, SsangYong, Suzuki, TATA,Toyota, Volkswagen and Volvo.

Bank Windhk maks bying

a nw hil affdabl

SAA and Air Seychelles

announce code

share agreement

Manoj Papa, SAA General Manager Commercial

This partnership signals a strategic move by both

airlines to increase connectivity and grow their

networks. This also augments SAAs alreadyextensive African footprint. SAA currently ies

directly to 26 destinations across Africa from its

Johannesburg hub.



ROBPARKER

We in Namibia are still not covered underany kind of comprehensive consumerprotection legislation. South Africa passed

an act known as the Consumer Protection,signed on 24 April 2009, to protect therights of consumers in that nation. Here aresome of the highlights from their legislation.Consumer News will be highlighting sec-tions of the act and explaining the benetsof such protection to Namibian Consum-ers.

Theactintendsto:

Promote a fair, accessible and sustainablemarketplace for consumer products and

services;Establish national norms and standardsto ensure consumer protection;

Make provision for improved standardsof consumer information, to prohibit certainunfair marketing and business practices;

Promote responsible consumer behav-iour;

Promote a consistent legislative and en-forcement framework, related to consumertransactions and agreements;

Establish the National ConsumerCommission; and Replace, in a new and

simplied manner, existing provisions fromve acts, including the Consumer Aairs(Unfair Business Practices) Act of 1988;

Trade Practices Act of 1976;Sales andService Matters Act of 1964; Price Control

Act of 1964; and Merchandise Marks Act of1941 (specically Sections 2-13, and 16-17).

Whomaylodgeconsumercom-

plaints?

An individual;

An authorised person acting on behalf of

another;A person acting as a member or in the

interest of an aected group or class; orA person acting in the public interest

(amicus curiae/leave of tribunal or courtassociation, acting on the interests of itsmembers).

TheConsumerProtectionActap-

pliestothefollowing:

Every transaction occurring within theRepublic of South Africa;

Promotion or supply of any goods andservices occurring within the Republic;and Goods or services that are suppliedor performed, in the Republic, in terms oftransactions mentioned in the Act

The Act is not applicable in respect of:Goods or services promoted or supplied

to the state;Industry-wide exemption being granted

to regulatory authorities;

Credit agreements, in terms of the Na-tional Credit Act, but not goods or services;

Services under HYPERLINK http://www.labourguide.co.za/contracts-of-employment/contracts-of-employment-72employment contracts;

Agreements giving eect to collectivebargaining agreements; and

Agreements giving eect to bargainingagreements (Section 213 of the Labour Rela-tions Act).

TheConsumerProtectionActhastwo(2)implementationdates:

WhoisaConsumer

Consumers are persons to whom goodsor services are marketed, who have enteredinto transactions with suppliers, users ofparticular goods or recipients/beneciariesof services

WhatareConsumerRights?

The Bill of Rights enshrines the rightsof all South Africans including consumer

rights. The Consumer Protection Act fur-ther outlines these key consumer rights, of

which all South African consumers shouldbe aware. These include the following:

Right to Equality in the Consumer Mar-ket and Protection Against DiscriminatoryMarketing Practices;

Right to Privacy;Right to Choose;Right to Disclosure of Information;Right to Fair and Responsible Market-

ing;

Right to Fair and Honest Dealing;Right to Fair, Just and Reasonable

Terms and Conditions;Right to Fair Value, Good Quality and

Safety; andRight to Accountability by Suppliers.

ConsumerRightNo.1

RighttoEqualityintheConsumer

MarketandProtectionAgainstDis-

criminatoryMarketingPractices

Whatdoesthismeanfortheordinary

consumer?

Yourrighttofreeandunlimitedac-

cesstogoodsandservices

Suppliers are not permitted to limit ac-

cess to goods and services.Suppliers are not permitted to prioritise

any consumer groups over others whenmarketing, selling or distributing theirgoods and services.

Yourrighttohigh-qualitygoodsand

services

Suppliers are not permitted to vary thequality of their goods and services in adiscriminatory manner.

Consumers have the right to query theinferior quality of goods and services.

Yourrighttofairpricingofgoods

andservices

Suppliers are not permitted to charge un-

fair prices for the same goods and services.Consumers should be treated equally,irrespective of gender, race, socio-economicstatus or geographic location.

Yourrighttolodgecomplaints

The Equality Court has jurisdiction inrespect of alleged contraventions:

Proceedings may be instituted before anEquality Court.

Consumer complaints may be led withthe National Consumer Commission, thelatter of which is required to refer such

complaints to the Equality Court, if theyappear to be valid.

ConsumerRightNo.2

Right to Privacy

Whatdoesthismeanfortheordinary

consumer?

Yourrighttorestrictunwanteddirect

marketing

Consumers have the right to protect their

privacy and condentiality in respect ofunwanted or unsolicited correspondence.

Consumers have the right to refuseunwanted smss, telephone calls, letters or

spam e-mail.

Yourrighttodiscontinuereceiptof

direct marketing at any time

Consumers have the right to opt out of re-ceiving unsolicited direct marketing servicesby blocking the relevant supplier/marketer.

Consumers have the right to accept, re-strict or refuse unwanted direct marketing.

Companies and suppliers are not permit-ted to continue any unsolicited direct mar-keting of goods and services, once consum-ers have opted out.

consumer Protetion At needed in Namibia



CN 16

Boxing is one of the sports whereNamibia has managed to win andgrab world titles which has not

only brought about the countrys fame buthas maintained its respect and recognition

around the globe in the sporting sector.Namibias boxers, Paulas The RockAmbunda crowned WBO bantamweight

world champion and WBO Africa welter-weight title holder Bethuel Tyson Ushona,recently paid a courtesy visit to the Found-ing Father at his oce where he praisedthe boxing fraternity for the recent success

achieved on the international stage.The Telecom Namibia Managing direc-tor, Frans Ndoroma also received two

recently crowned boxingchampions, JosephSmokey Hilongwaand Albinus DannyBoy Feliciamu,

who also defeatedtheir challengersin Windhoek in

March thisyear.

Smokeywon theWBF International SuperFlyweight title against the

South African DalisisweKomani, while Danny-Boy defeated HebertQuartey from Ghana towin the new IBF WorldYouth Super Feather-weight title.

Smokey, who holdsthe World Boxing As-sociation (WBA) AfricaFlyweight title, won the12-round bout on a

unanimous decision. Thejudges scored it 118-110, 115-113, 116-112 in his favour.

Danny-Boy won onpoints in a 10-round bout.All three judges scored98-88 in the Namibiansfavour.

Nester Tobias, Na-mibias boxing sponsorwas recently quoted inthe media saying that,Our aim is to producemore world championsfor Namibia. We want tothank you and the entireNamibian nation foralways being behind us.You gave us a foundationand we used it to our bestadvantage and created aworld champion.

Namibias boxersdeserve a pat on the backand this goes to the entire

nation to continue sup-porting our boxers in toensure we keep the titlesin the Land of the Brave.

Boxing defnes Namibias Sporting sector



Promotions

The Namibian Competition Commission (the

Commission) is an independent statutory body

established in terms o section 4 o the Competition

Act (Act 2 o 2003) with the core mandate o promoting

and saeguarding competition within Namibia. The

Namibian Competition Act was enacted with the

purpose o enhancing the promotion and saeguarding

o competition in order to promote efciency,

adaptability and development o the Namibian

economy; provide consumers with competitive prices

and product choices; promote employment andadvance the social economic welare o Namibians;

expand opportunities or Namibian participation in

world markets while recognising the role o oreign

competition; ensure that small undertakings have an

equitable opportunity to participate in the economy

and to promote a greater spread o ownership; in

particular to increase ownership stakes o historically

disadvantaged persons.

The Commission has identifed the need to review

its current Act and Rules. The aim o the review is toalign our laws with emerging trends in competition

law and to remedy the provisions o the Act and

Rules that have over time become obsolete. The

Commission i urther o the view that competition

law and consumer protection share the same

objective, as such seeks to with the review expand

on the provisions o section 2 (b) o the Competition

Act.

The Commission thereore wishes to obtain the

services o a consultant(s) with legal and proessionalskills and experience particularly in the competition

and consumer law sphere to assist with the review.

The Consultant(s) will be expected to;

1. Conduct a detailed review o the Competition

Act and Rules or gaps and harmonization with

regional and international practices;

2. Benchmark the Competition Act and Rules

against similar pieces o legislation in similar

jurisdictions;

3. Suggest possible amendments into the

legislation

4. Facilitate at the Stakeholder workshops and

5. Perorm all other unctions as detailed in the

Request For Proposal (RFP)

The Commission invites proposals rom eligible

consulting frms to provide the above services and

as detailed in the RFP.

Interested eligible consultants may obtain urtherinormation or download an electronic copy o the

RFP document rom the Commissions website

alternatively collect hard copies rom the ofces o

the Commission in Windhoek.

Namibian frms lacking expertise in the feld o

competition law and policy are encouraged to

orm Joint Ventures (JV) or Associations with

international frms well versed in this feld. See the

RFP or details.

Comprehensive proposals should be submitted to

the underlying address, using the RFP document by

12:00 hours on Friday, 31 May 2013. Submissions

arriving ater the deadline will not be considered.

Project is expected to commence on 01st July 2013.

Address: The Namibian Competition Commission

The Ofce o the Secretary

Review: Competition Act and Rules

Shop 14, Mezzanine Floor, BPI House

269 Independence AvenueWindhoek, Namibia

Website: www.nacc.com.na

About us- Tender & Vacancies

Enquiries: Ms. N.A. Tjipitua

Tel: +264 61 224622/+264 852200006

Fax: +264 61 401900/+264 61 401 901

[email protected]

Request forProposal

REVIEW OF THE NAMIBIAN COMPETITION ACT (2 OF 2003)

AND THE RULES MADE THEREUNDER (2008)


24/24

consumer news magazine may 2013

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