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Bosco, it isn’t UTB fault Tourists sway away, its yours actually!

If it was a different world, the Republic of Uganda could have been a haven for tourists and tourism. Where the wealth could have been generated and also shown the magnificent republic, which it is. It being the beautiful Kabale, the green valleys of Ibanda, the National Parks, the historical town of Jinja or bursting bubble of Capital City of Kampala. That is just for starters. However, the ruining this image isn’t Uganda Tourism Board (UTB), that is what the National Resistance Movement has done with the use of the army to quell riots, to meet opposition politicians and even lack of possible political associations without being arrested. This are the memo’s that get to the tourists.

They know that insecurity, the extra-judicial killings and the lack of trust between the state and its citizens are getting the world on worry. That scares away citizens, as well as the hardships against the Forum for Democratic Change and their Defiance Campaign, while now also using the army every time Robert Kyagulanyi aka Bobi Wine. These sort of activity will not make the Republic more marketable. As people are worried if these sort of activity will interfering in their vacation hot-spots and make their peaceful existence turned into a war-zone with road-blocks, soldiers on posts and possible police brutality as they visit Mengo or even The Square in Kampala.

The president said Uganda has a lot of potential from its natural resources but there is a general lack of efficient marketing which falls directly under UTB. “The UTB has not been doing a good job, I don’t know why. You find other countries Which have nothing to show, attracting more tourists. Therefore, that area of promotion is still weak. If you hired me as promoter for just six months you will see the results,” he said. “The UTB and our embassies should market our country’s uniqueness. We must work towards increasing the numbers of tourists visiting Uganda from the current two million annually,” he added” (Nelson Bwire Kapo – ‘Uganda Tourism Board doing a bad job at promoting Uganda- Museveni’ (30.09.2018, link: http://nilepost.co.ug/2018/09/30/uganda-tourism-board-doing-a-bad-job-at-promoting-uganda-museveni/).

If the President and Bosco wanted it to be great tourist destination, why has the roads and the transport infrastructure been not invested properly in, as these projects are big borrowing operations, where the money has gone into cronies pockets instead of road-quality. Neither has there been well thought of planning of transport between the regions or towns. As there is hectic ways of traveling for the ones who doesn’t know or cannot afford to use specials across the Republic. Therefore, the expensive transport across from Entebbe to a National Park is huge cost for anyone. It doesn’t help with posters by Clear Channel across Europe, if it cost a dozens of bobs to travel and plan to do so.

The UTB is not in-charge of insecurity and the state of affairs. It is not their campaigns or their motivations fault for the situation on the ground. That is all Bosco, as he is the head and has run the Nation for so long. He should take charge and take blame. That would be new for him, because he always blames and says other people are not doing their job.

First. Generate trust abroad, than the people might come. If they know its safe and reads more positive stories. But the tourists will not come there, if the Entebbe International Airport is known for being the place, where the opposition leaders are arrested and detained after arriving. That is what the world knows now. Bosco has ordered this and his trying to destroy opposition is known. The torture and the preventative arrests is known. That is why people fear Uganda. They know that Bosco is a vindictive President, without any other cause, than promoting himself.

That is why this isn’t UTB fault. It is the NRM and Bosco’s fault, who has played this all wrong. He has neither made it easier to be tourist or gained their trust. That is why they pick other destinations like Botswana or Kenya for similar activity and safaris. Peace.

Opinion: Is Collymore the only person who can run Safaricom?

That Bob Collymore has no returned to Safaricom is a sign of the state of affairs, the man whose through 2016 got the dirty laundry in the streets for everyone to see. That Safaricom and Vodaphone takes him back. Shows that the company is so big, it doesn’t care about public perception or their ordeal of the last two years. As they can get scratch free from the dirt and thinks people forget. Collymore is a shady character and runs a dirty business. However, it is profitable, that is why the leadership above him keeps him. They want the easy money and wants to run the market of telecom’s in Kenya. That is what Safaricom does so well.

That Collymore was directly involved in the General Elections, that his misuse of the company within the Results Transmissions, that doesn’t matter now. That the Safaricom used their backbone to support the Jubilee, by canceling and stopping the M-Pesa Paybill to the National Super Alliance (NASA). Shows the lack of tolerance and their political stance. They did that with passion, while fixing and making sure the fraud of an election went through with their back-channels with the Independent Electoral and Boundaries Commission, also with Cambridge Analytica and whatever else that was needed to secure the results into the famous undisclosed server. Collymore did this and fixed that with IEBC, while stopping the cash-flow to NASA. A clear indication of his works. That was the year after the damaging internal report from KPMG.

The KPMG agreement showed how the Safaricom misused their place, their tenders and the procurement of installations of 4G, M-Pesa software and direct dealing with third-parties. This was done in a fashion where the leadership was eating of the top and putting the bills on the consumers. At a rate that was insane. That the 18th February 2016 KPMG Report should mean the end of a career for a leader and CEO like Collymore. But Vodaphone doesn’t give a rats ass. They don’t care as long as their profits are souring in Kenya. They are oblivious and nurturing their pockets, nothing else matters. Even if they are within the pockets of cartels, election-rigging and midst of public outrage. As long as the pockets are filled with shillings, they don’t mind. They can still be proud-cock and be chiefs.

That Safaricom paid of the local-media houses with ad-revenue, that they used their place to keep themselves on top. That doesn’t matter, because the results are blindly positive, even if everyone know knows that the company is run like the mafia. Controlling everything it can, not only selling Mobil-Data, Mobile-Money and Communications, but they are also a FinTech company that has the information on the public that other doesn’t. Who knows how they are using that and misusing that to gain even more profits. When Facebook does it? Why shouldn’t Safaricom too?

That Collymore should be gone, that is the reality, there should be someone who could muster trust and show that its a decent company, not a pillar of power in Kenyan Politics. Which it has become and where it muster all capabilities with the funds to slash stories in the media and also to be directly involved in Results Transmission during the General Elections. Therefore, the importance of the company is beyond communications between the citizens and their data. But also the perception of the trust between them.

Collymore is now the epitome of what is wrong with businesses in Kenya. He is the significant prospect of someone who misuses his position for monetary gain. Instead of being there for just simple services and leave the office in the night. He has directed the company in the midst of public space, making sure his stories are portrayed and cleaning the dirt of his hands. Even if it doesn’t go off, it won’t, not this way.

So Vodaphone, I have one important question:

Where the no-one else on planet earth that have the capabilities to run Safaricom?

Seemingly there should be, but your still behind the man that are really involved in shady deals for you. Taking the dirt and eating it, so that the stakeholders can eat the profits without any questionable

FinTech Companies in Kenya: Are now evading the personal space of costumers to provide them services!

Today, I will write about how international businesses are using their power and their markets strategy, while people are giving up their private communications and other vital information for simple transactions between family and friends, also when borrowing micro-credit or buying solar-cells through credit. This is all based on the Privacy International recently released report and the quotes are taken from there. It shows vital information taken from citizens who uses apps and financial services in their daily lives. Clearly, they have accessed certain freedoms for the trade with these Kenyans. The business transactions and the trade is not only making direct profits for the corporations allowing direct transactions, but also delivering services like payday loans and buying equipment. Still, it has a special price and they have to sign-up to give away certain aspects of their lives to gain this. That is what is interesting because it says something of how much of the personal space these corporations are getting from the persons they are profiting from!

The term ‘fintech’ has been defined by PricewaterhouseCoopers (PwC) as: “a dynamic segment at the intersection of the financial services and technology sectors where technology-focused start-ups and new market entrants innovate the products and services currently provided by the traditional financial services industry.” (Privacy International, P: 10, 2017).

Yet a change that has not been much explored is that M-Pesa also produces a vast amount of data for the telco Safaricom. Each of the millions of transactions that take place a year tell a story. They tell the story of how the small business is operating: the money they’re sending to their suppliers, the transactions that are taking place. But it tells other stories as well: the money that comes in and then is sent to the hospital. The school fees paid by the biological father, unknown to anyone except the mother, father and Safaricom. But there is also a way in which this data is known by third parties. The transmission of the content of the money transfers over M-Pesa is encrypted. However, the details of any transactions are sent, unencrypted, by plain SMS. Even if M-Pesa transactions themselves are sent via secure and encrypted means, the account information is not. The messages that someone sends for receiving or sending money include the name of the recipient (from the registration of the SIM), the amount sent, and their current balance. This facilitates the gathering of personal data by apps. The fact that the transactions can be tracked becomes a large part of the power of the lenders, as in the Kenyan example, leaves a trail via the M-Pesa SMS messages for both customer and retailer. As shall be illustrated, this is an aspect of M-Pesa of which fintechs are able to take advantage” (Privacy International, P: 29, 2017).

Tala App:

From the data provided by the app, decisions are made about whether and how people repay their loans. One of the key pieces of data is to analyse the content of SMS messages for the records of M-Pesa payments. These are very valuable records to analyse; for example, if the person seeking a loan has a small business, it is a good measure of the health of the business and the money entering and leaving the business. But, according to Tala, it can also be used to analyse how people are actually using their loans, as frequently the money they receive from Tala will leave someone’s M-Pesa account immediately (for example, to pay school fees or a hospital loan, or an individual). But the analysis of the data by Tala extends beyond this, to make analyses based on data and information that are, at best, unexpected to be used for credit scoring. For example, Tala analyses call logs: their analysis has found that people who make regular calls to family are 4% more likely to repay their loan. To do this analysis, they need to know who your family is: from the content of text messages that call someone “mama”, and the pattern of calls” (Privacy International, P: 30, 2017).

Branch:

One difference from Tala is that Branch also makes use of Facebook for authentication; as discussed below, this is allowed under Facebook’s terms and conditions. Another factor that Branch uses for its decision-making is the behaviour of your friends, and their repayment patterns for Branch loans. How does Branch know who your friends are? They have a refer-a-friend feature (as does Tala), which is one source of this data. But they can also see your Facebook friends, and your call log to know who is contacted regularly” (Privacy International, P: 31, 2017).

M-Kopa:

The data that M-Kopa gathers from the device via the SIM is information like location (using cell data, not GPS), the charge level in the battery, and what devices are plugged in. They will also soon be gathering data on the television programmes watched. This specific data on programming is not data that it is planning on selling, but rather to use to develop its own services in the future. M-Kopa’s website states that, “After completing payments, customers own the product outright.” However, the customer does not own their data. The terms and conditions of a M-Kopa loan make the company’s position on data clear: “M-KOPA shall have absolute and sole ownership of … the data which is obtained by the Customer’s use of the Device.” Customers have no right to even see their own

data, apart from the provisions under Credit Reference Bureau rules. For M-Kopa, it ultimately comes down to a business decision: “If data privacy was important for the Kenyan consumer, we would do it,” states Chad Larson, the Chief Credit Officer at M-Kopa. At the same time, both M-Kopa and its investors have a viewpoint that their use of data is ethical” (Privacy International, P: 32, 2017).

Control over the data:

A significant issue with the fintech companies in Kenya, is that they keep access to the data. They keep the data—and, in some cases analyse it, even if the user has stopped being a customer of theirs, and has deleted their app. Branch is explicit that it keeps the data even after a user uninstalls the app, and admits it is possibly doing further analysis on it, “we have that right.” Tala encourages people, even if they have been rejected for a loan, to keep the app; if they do delete it, Tala retains their data. This is so that, if the customer returns later, they can reinstall the app, go through some simple KYC checks, and be able to borrow again. M-Kopa, on the other hand, continues to collect data from the device even after the loan has been repaid” (Privacy International, P: 33, 2017).

Just as this reveals that Safaricom, the partly owned Vodacom Telecom Business have no trouble through the M-Pesa, the Cellphone Mobile-Money Transactions, that they can hold onto all information between all parts of the transactions. Like how a person send the messages of giving money to friend/family and at what point they picking up the mobile-money. This personal data is all incorporated into their apps, as they provide the services and keeps this fintech data on each of their clients.

As we see with the Tala App, which is also used to get loans. Tala analyses the personal SMS’s from the client to either give or not accept proposals for loans from their services. Tala are looking into the M-Pesa messages given to the client and are scanned by the app. To see if the client can actually be able to repay the debt possible sign-off from Tala. This proves that the Tala App is checking the credit history done with the services of M-Pesa, which is Safaricom/Vodacom. Branch another Fintech app is taking it further, they are also analyzing your behavior and who is your refer-friend on Facebook. They are clearly entitled to the private information of your networks before you get a loan. So they know exactly, who and when you contact friends and family on social media before giving you a loan. It shows how personal and how much information on app can get before you get the services needed from them.

M-Kopa are another one, who is directly saying that all information collected from their costumers are their to own and to use for later costumers. It can also be used after the usage. More of these Apps seems to do so. They are keeping this personal data even after the transactions, the loans and the purchase. This can be used to further get clients and knowledge of when the costumers need it more. So they can get them “addicted” to the services. We have no idea how they store this personal data or who they trade it with after gathering it all.

This should all be scrutinized and questioned, as it breaches with personal space collected with marketing and simple ploy to generate enough information to be able to gain the services from the companies. These companies are vultures of the costumers private space and uses it as leverage for their trade.

It is worrying how far they are taking it and how much personal information they are gathering to give them these services. Peace.

Reference:

Privacy International – ‘Fintech: Privacy and Identity in the New Data-intensive Financial Sector’ (November 2017)

Association of Uganda Tour Operators Ltd: Sudden Increment in Rwanda Gorilla Permit Fees (08.05.2017)

Revealed: The Ministry of Tourism, Wildlife and Antiques in Uganda have not appointed needed boards for their agencies!

The Ministry of Tourism, Wildlife and Antiques came to sort of revelation in Parliament, that shows the lack of governance and institutionalism that is too common in the Republic of Uganda. That the National Resistance Movement has established agencies under the ministry, but have no-one running them. They have not even appointed boards or even have procedures to select the appointments to them. What a special event. Just take a brief look at the assessment that the Parliament Watch describes from the session today!

“The Committee on tourism trade and Industry has learnt that the different agencies under the Ministry of Tourism, Wildlife and Antiquities have no Boards. For example, Uganda Tourism Board, Wildlife Education Centre, Uganda Hotel, Tourism and Training Institute. Members have urged the Minister to inform the Prime Minister and the President in the next Cabinet meeting that the Committee will not consider the budget unless the Boards are instituted by the Ministry. Committee observed that it is a deliberate move to control agencies through the line ministry” (Parliament Watch, 25.04.2017).

A definition of a board from Meriam Webster says this: “a group of persons having managerial, supervisory, investigatory, or advisory powers” (Meriam Webster – Definition of board). So the ministry do not at the current state have the capacity to involve people to have a managerial or a supervisory role over agencies beneath themselves. That must be the true definition of steady progress, as state affairs goes, aye?

Like Uganda Tourism Board was already established by 1994. So the NRM has had the time to handpick the men and woman fit for the works and roles, still they have none. So the one agency involved in marketing and promoting the republic as a travelling destination does not have a board. Even the web-page of UTB says this: “The Minister of Tourism Wildlife and Antiquities, appoints the Board of Directors for Uganda Tourism Board on a 3 year term. The Board has an oversight and advisory role over the work and plans of UTB. The Board of Directors is headed by a Chairperson supported by members representing public and private sector tourism stakeholders” (UTB – Board of Directors link: http://www.corporate.visituganda.com/about-us/board-of-directors/ ).

So the Ministry themselves should have the ability to make decisions fitted for appointing the needed personnel, without having the blessing of the President nor the Prime Minister. This is just one of the agencies and it didn’t take long time to look into it, the funny thing was, when you tried to go to the “Management Team” link on page, the only thing coming up on the page was “Bad”. So the knowledge of missing links and personnel is even visible to the tourism flagship page.

That the Minister Ephraim Kamuntu has work to do and people to employ certainly, also to get budget to keep their salaries in balance, as the agencies does need funds. Certainly, he has a State Minster Godfrey Kiwanda Suubi, who must have some insights and knowledge of some heads to collect. In addition, the Permanent Secretary Doreen Katusiime got know somebody fitting the program and vision of the agencies. If none of these three smart and bright, fellow appointees of the President can pick someone to the boards. Than the Director James Lutalo, should be able to find someone, educated and experienced in the field to envision the progression of the tourism industry and the wildlife experience in Uganda.

With the abundance of Presidential appointments to the Ministry, they should have the capacity and the ability to get the boards up and running, as well as a check-and-balancing act, to see that they do what the Ministry are supposed to do. So that the destination Uganda, can be a splendid travel for tourists. To make sure that they can have the best time while being there. Peace.

#SafaricomKPMGScandal: The madness from the CEO Bob Collymore continues as the plan to deflect the scandal in the press is not fulfilled!

BobCollymore

There are days and a fortnight since the unintended release of draft papers on the KPMG Audit report that alleged conspiracy of corruption and illegal tender buying of the central leadership in the Safaricom Limited Kenya. The State-own telecom Company, which are partly owned by the Vodafone as well have entitled themselves into hole because of their leadership. These allegations have not stopped and the press is still just spreading the words of Bob Collymore, not the words of the report and what it really means.

It’s like the KPMG draft report wasn’t released as the biased bought media through the massive war-chest of PR money can silence the Kenyan Media and even create a many Twitter Bots and Social Media bots to try to dismiss the leaker and blogger Cyprian. That is just weak-tea… If you are having trouble with the allegations coming from an internal report, it is time to respect the knowledge that those who have read it, presume they understand the implications and the effects of actions from the Safaricom leaders and what this decisions did with the monies the company profits are used.

KPMG Safari FP 2016

The Kenya National Police Service should use their detectives to find out who leaked it to the blogger is nonsense, as the facts and questionable behaviour of the Safaricom leaders should be questioned and briefed, as this thieving is the cardinal sin, not the ones that strawmen spreading it online. It’s like putting the blame on the nail for the existence of plywood for the wall. You need the nail to put the plywood on the wall. The wood is needed to be there before the nail puts it together. The nail is the leak, as the wood was already there for the taking!

That CEO Bob Collymore didn’t want this out, is because Vodafone was asking into the affairs of the business and the model of procurement from Safaricom. The audit from KPMG was certainly not entailed to enter public space, but when your corporate governance is so shady, the dirty laundry would by some time end in the hands of a whistle-blower, apparently, it did.

BDSafaricomResults0705

That Bob Collymore and Safaricom have used the WPP-Scangroup to marketing and PR, so that these issues could go away; as the PR Firm gained a tender worth Ksh. 2.1 billion between December 2013 and January 2014. Certainly their business must be thriving as the closeness between Collymore and their CEO Bharat Thakrar, who even attended the recent wedding of Collymore. That is a bit close relationship between the corporate leaders, isn’t it?

As we can question the media’s view on the release of the KPMG draft report as the Standard Group’s Management Editor Joseph Odindo sent a memo to all editors ordering them to kill any story relating to Safaricom and the KPMG Audit. So when a chief editor says to all of the leaders who picks stories to Publish are dwelling away with the ones connected to Safaricom, that shows again how embedded the Kenyan Press are with the Company. It is not a conspiracy, as this is one of many who are already implicated to shut this story down. And the reason why I write again about it; that is why KTN News only dropped the Safaricom Press Statement, but not questioned a single word in the leaked draft report like they would catch Ebola or a deadly disease by doing so.

Safaricom Article

What does such a CEO Robert (Bob) Collymore of Safaricom Limited do as a credible leader and business-man to be parts of the Global Compact Board of United Nations for good governance in business, as the Safaricom scandal shows that his hands are dirty and need a clean before he shows etiquette and ethical leadership towards others in words in the United Nations board, as his company is run by single tenders and by close relationships of leaders who have taken orders instead of following companies own procedure for procurement, and that man should give ethical advice in the United Nation board? Dumb-Dumb, part of the leaders who runs the world, aye? Ban Ki-Moon should re-evaluate the board and he may have more corrupted leaders in the United Nations boards, as even Bob Collymore has showed in the paperwork.

The news that inspired me the most was not the connection between media themselves and the Safaricom advertisement money. But that even the fried of Bob Collymore, the other CEO of WPP-Scangroup Bharat Thakrar also attacks the blogger Cyprian, trying to shade him with allegations of working with the rival company Transcend Media Group and the lawyer Mike Njeru. I am just waiting for Tintin, Mr. Smurf and Cinderella to have love-affair. That is as plausible that a blogger Cyprian who writes fiercely with notions of BS, have a connection with other party that Honourable Thakrar claims. Collymore have already used all kind methods to silence the released papers that makes him look foolish, as they have had property deals, tender agreements for M-Pesa another ones that are questionable, together with the level of paying of media and even entering media house with Police Officers to intimidate them for writing about the scandal.

M Pesa Started

When you goes this far and when you use these methods, even wants to use the police to arrest the man who has not done anything illegal, if it is illegal to write about corruption and violence, then I, myself is a common criminal, therefore that the CID is written up about Cyprian is nonsense, as the Safaricom Limited deals are the shady ones, not the writing about it. That it is not what the CEO Collymore wants, that is understandable as nobody wants their bad tenders or the shady agreements into the public space, therefore the KPMG Audit was not a planned release of information or something that the Safaricom Limited wanted to for-see as the business would rather see without it. That is something we all understand. Still, the Cyprian leak is not his making, it is Safaricom and CEO Collymore has done the bad deals, not the blogger or the media.

So if CEO Bob Collymore wants to be brave now, is to go through the fire and swallow the nonsense and take responsibility of the Huawei, One-Campus and the other deals that was disclosed in the KPMG audit report, though I doubt he has the heart to do so. Why he doesn’t have the heart? Because as pointed out he has used all kind of money and intimidation towards media even to silence the story, while also writing Cyprian up to the CID. That is just showing how wrong from the start of the leak Mr. Collymore has been. If he was a man of fair and justice, if he was a man of honour he would have cleared the agreements and signed tenders with fellow companies to show that he wanted a clean slate after doing corrupt business. Instead he has tried to mute the discussion and laundry in the public. Well, Mr. Collymore you should plea now and stop paying media to cover your dishonesty. This because the papers are leaked and will stay leaked. You cannot go back in time and become Marty McFly, you are a real man Mr. Collymore and the responsibility for Safaricom Limited is in your hands. So now time to take that responsibility and step your game up and stop with them shadow games, you and your PR Team is not good at it. Peace.

#SafaricomKPMGScandal: My 2 cents and a chapatti of wandering through the actions of the company who tries to silence the Scandal and the leaked information to the Public!

kenya-press_2721233b

There we’re a KPMG Audit leak of the Safaricom Telecom Company in Kenya, which was released through a blogger called Cyprian.  He found and released article relating to a Draft Report, that he in the latest twist released on Twitter. Why I comment on it, after even releasing it. It is to brighten the days of the corruption hunters and pundits. To prove that not all writers can be bought. You feel me right? Why I say that because money talks, everybody knows that right?

SMS to Cyprian

While this report circulated and even some findings came to the limelight, CEO Bob Collymore we’re able to dodge the release as the blogger had to take down his article and later even send the Blogger direct text message. The blogger got now after this text messages from Red Cross and Inter Religious Council of Kenya. And he have nothing to do with this organizations before, so there are something up with the Safaricom model of the moment.

The Safaricom CEO continues with suspect behavior as even reports of entering Kenyan Media-houses with Police Officers following his tail. When he, the CEO of Safaricom Bob Collymore where he initially threaten them. If they did exposes the maladministration of the company into the society and into the public sphere through the media.

The marked interest for this company is the structure and its importance in Kenya. The Government of Kenya owns 60% of it and the rest is owned by Vodafone, which means 40% of it is in the private interest. The Markie exposure of the company is not only how much having been squash the Audit that we’re unfortunately released, but by what extent the leadership have gone to silence it.

And when a business, a company and their leaders get orders from the “mother-company” to shut the noise, when they order media-houses and threaten them with the Police Officers holding the hands of the CEO; then you know that there are shady people eating the cakes that was not intended to. The Safariacom have even ordered an advertisement operation with ScanGroup for Ksh. 2.1bn and that proves to what extent they goes to bury the legality of the KPMG audit.

Collymore 2016

The Public Petition of Michael Ngugi that states this:

“That it is unfortunate though that Safaricom is in itself a corrupt institution and as evidenced by the forensic audit report from KPGM which examines the period of September 2013 to August 2015. Copy Enclosed. In this report many instances of malpractices have been cited in regards to tender processes, award and general shortcomings of ethical practice and governance as far as supplier selection and management are concerned” (…)”THAT, Safaricom in contravention of their own Procurement  policy as enshrined in their Policies and Procedure manual and use it only selectively to suit selfish interests of some senior staff who collude to defraud the company and deny well deserving Kenyan companies a chance to offer services even after satisfying all the necessary requirements in a tender and emerging victorious. This is an act of impunity and no one in Kenya is above the law, justice must therefore be pursued for the victims for this scheme” (..,)”That I confirm that I am aware that it is not possible to raise any issue regarding Safaricom with any organ, institution or media because Safaricom has corruptly infiltrated all segments of society and used its corporate advising might and huge financial resources to oppress any dissent or complaints”.

Keter Citizen TV

There even been more implications between the Media Houses and the Bob Collymore scandal of the KPMG reports as central men in the media have been bribed to silence or not talk about the company in an unfavorable way, these men are for instance Tom Mshindi (Nation Media Group) and Linus Kaiaki (NTV Kenya). So there are many big fishes who are being fried and more to come as the information getting leaked. These men are not alone, as Safaricom even bribed Citizen TV Kenya, who got Ksh. 50m to not highlight the report on the TV screen on the 9th May of 2016.

As an example of the leaked information that Safaricom wants to silence is the M-Pesa Second Generation agreement we’re the report stated this:

“Safaricom partnered with Huawei to upgrade its M-Pesa mobile money payments system, a decision which we were driven by Michael Joseph (Joseph) the previous Chief Executive Officer. We were informed by Donald Twesiga, the former Head of IT Service Operations (Twesiga) that a procurement process had been initiated which included major international vendors, but Joseph singlehandedly settled on Huawei. We were further informed that although the cost of this project was borne largely by Safaricom, it does not retain exclusive use of intellectual property on the project and similar mobile money projects can be rolled out in other territories without any benefits to Safaricom. We were also informed that there was no evidence of negotiation of prices on this project between Safaricom and Huawei”.

Safaricom 4G Ad

When you have agreements like this and there are nobody earning on it, directly the Safaricom company doesn’t earn on an upgrade, but still does it, without even negotiation of prices or have followed procedure of procurement process, it sends signals of direct corruption between the men who has been behind the agreement between Safaricom and Huwei, that can be the case as the levels of transparent procurement for the company and their rules for doing so. That should be even more important by a significant company of this size; the level of government ownership and the state of importance the M-Pesa mobile money have in Kenya alone. Just when you thought M-Pesa was dirty enough, even Kenya Revenue Authority (KRA) have reported in recent days that the profits made through M-Pesa mobile money have gone direct to a Tax-Haven so that the Kenyan Government can’t earn the direct tax money on the revenue. Another way of securing higher yields of profits for the CEO and the board, also second owner of the Company Vodafone!

That the CEO of Safaricom Bob Collymore have denied and claimed that the reports is lies, is expected; a man who is earning so much and have such treasures would not jump on the sword, as he is used to tool with government entities and media as they are waiting for the money and for the services rendered by the Safaricom. With the knowledge of the monies that Safaricom can bring Media-Houses and needed Ad-Revenue, Aga Khan of the Nation Media Group (NMG) would easily be corrupt; that has been showed in the Ugandan General Election period where he was donated land to publish a positive poll in the same manner as the one was delivered towards the 2011 election there. So if Safaricom can come with good money than they surely can silence the media for their cause.

Cyprian Blogger

And as there was a blogger who got the hunch of the report and dropped certain knowledge of what it did say, the Safaricom could use the media they are paying high salaries to and gives lots of advertisement revenue.  

Just to give you an indication on the value of money there earned inside the board of Safaricom, CEO Bob Collymore earned in the last 12 months, the net amount of Ksh. 109.5. So it’s a well-paid position and he has earned a living salary and surely could afford to pay of somebody just with his salary alone. Though I am sure the company coffers have enough to do and to silence the ones that need to be.

As much it is not only the Huawei and Safricom deal that is questionable when comes to Procurement procedure, you have also this one.

M Pesa Started

“In relation to the Fibre Space partnership dated 10th April 2015, the following documents were not provided;

  1. Invoices and payments to card manufacturers in relation to Safaricom purchased cards and purchase orders.
  2. Actual payment patterns with supporting payment documentation.
  3. A documented breakdown of the aggregate revenues to date Safaricom has earned from the partnership and;
  4. Information on the distribution count and location of all the points of sale and cards by Safaricom in relation to the partnership.
  5. A velocity report from the CMS indicating the time taken at each stage of contract drafting was not provided for review.
  6. The CBS reconciliations done by the Credit Control together with the resulting payable refunds for the month of July 2015 provided for review was no approved by HOD credit control” (thaVibe.com, 12.05.2016).

So again you see shade agreement between the Safaricom and co-partnership with Fibre Space. This again shows the agreement done without due diligence or even a review, henceforth done directly instead of through the procurement agreement. This does not say who did what, but certainly something suspicious.

Collymore Profile 2016

That Bob Collymore have to enter a Media House with Police Officers to silence them and think that this can go away, pay for Blogger Awards while the Report is circulating, even I got the papers, and I am miles away from shores and streets of Nairobi. I know the boats are in Mombasa, still the point is that I, far away can get them and paste them on my blog. So the old fashion fear driven policy of Collymore doesn’t work in the digital age. The exposed stays exposed. That is why Wikileaks and Panamapapers can do as they please.

So Safaricom has showed its face is not accountable, transparent or just in their actions as their procurement and agreements are made for the beneficiaries and not after procedure. This is just the ones that have surfaced through the reported pages from the draft report. What more that are under surface is something only Collymore and the rest of Board of Safaricom knows. The Company and owners of Vodafone only knows the whole picture, as the Government also is connected and the ability to silence the media as the Ad Revenue counter the Integrity of the set amount of journalist or editors ethical behavior. Peace.

Burundi’s crisis talks postponed (Youtube-Clip)

“The inter Burundian dialogue that was scheduled to take place from May 2 to 6 in Arusha, Tanzania has been postponed. This was announced on Friday by the office of former Tanzanian president Benjamin Mkapa who is also the facilitator of the talks.”Following consultations between the facilitator in the Burundi dialogue, former Tanzanian President Benjamin William Mkapa and East African Community (EAC) Secretary General Liberat Mfumukeko, the resumption of the dialogue which was due on May 2-… READ MORE :  http://www.africanews.com/2016/04/30/…” (Africa News, 2016).

Worrying signs of devalued ballot value in the American Democracy as their to many disfranchised voters, PACs holds on campaign funds and the Corporate Media hold on message sent to the Citizens.

American Primary

Just as the Primaries in the United States are winding down and getting closer to the Conventions of the Democratic Party and the Republic Party. The main candidates and Presidential Candidates have soon been selected and gotten picked through the mixed of ballots and the caucuses differing how the Primary Elections in the states was done.

I am not an American and can only see it as an outsider and with the view as an outsider has. To listen to the American TV reporters on FOX, MCNBC and NBC makes a European shake. The TYT is some positive, but still shows the fragmented media landscape that have been created in United States. As the grand corporate media is loyal to a certain party or a certain candidate; much like the state media houses are for their ruling parties in LDC. So the FOX channel follows and hates anything from the Democratic Party even if the person initially acts and votes similar to the Republic Party. That is the irony. The same with certain “liberal” media who follows the Democratic Party by any means and blackballs the Republican by any means.

donald-trump-make-america-great

As the Progressive and the liberal are supposed to be on the Democratic side, and the conservative side is on the Republic side. The Parties have big sides and the range of political spectrum could initial be based into four parties as the suction between all the areas and range should be concern as the Presidential candidate cannot be like a Tea-Party General and at the same time be affiliated with the establishment when it comes to certain policies. That means of actions from a Tea-Party member should be different then the Conservative party member!

Bernie BS Slogan

The Same is in the Democratic Party the establishment of the this party is more moderate and clear-faced close to the conservative establishment of the Republican. The Moderate in the party believes for instance in the sense like lax-taxation and the government institutions as small-corporate friendly environment for the 1 % instead of 99 %. While the Progressive are more on the line of Bernie Sanders and wants the taxation on the rich corporation and have labor right for the workers. So the Sanders line is far from the moderate part of his party. Still they both belong to the Democratic Party. That is what initially makes the American a rare venue of political discourse.

The Political discourse and the view on political aspects are in view concoction of corporate media, losing old papers who was the ones setting the agenda and is now not as big as before and the new media as TYT, Huffington Post and Buzzfeed changes how the political news get spread and questioned. As the radios and local broadcasters do not have the only venue and the corporate media is not the only place. Even live feeds on Youtube gives the voters more access to other sources then the ones supported by the giant multinationals who wants to decide and continue in the same level as of recent as it is profitable to keep it that way.

Ads PACs

The other thing that is special about the American Politics are the level of money that the candidates needs to raise, the amount of adverts in the media and how much they matter; that together with the presence how the Super-PACs matters in the campaigns for either senators, representatives and also Presidential Candidates. PAC stands for Public Action Committee (PAC) where they pool funds and collectively works to enhance a campaign for a certain candidate or political idea. They are not supposed to be directly connected with a Candidate up-for nomination or for a State Senator who needs ads and commercial space for their “Message”. The PAC can run to donors and financial beneficiaries that will give to the PAC as a calculation on how they can be “puppets” or necessary persons to get the legislation that the corporations who funds the PAC need. So the business has the opportunity to “own” candidates and nominations instead of the ones that are there in public confidence. That is something that make the American system lacking democratic values as the cash cows and the cash hungry campaigning endorse the idea of corporations funded candidates instead of the party funded and the people funded through this PACs. Therefore the American democracy is very corporate.

The American media that are connected to certain Political Parties and even endorse certain candidates are embedded with the ones that give highest ratings and can keep the legislation in positive favor of the stakeholders and owners of the corporate media. Not the ones that are there for the middle-America or the middle-class, working-class or any other class then the owners of the Multinational corporations or Wall-Marts of America instead citizens.

US Dollar Campaign

That is why I am little skeptical to the American Democracy. The value of the vote is less there as the system is built around the corporations and the money train. As of now it is. The ones with wealth, the ability to gain amounts of funds and collect delegates in the inner-party elections get to be the Presidential Candidate for their party. The Positive is the political range in the Democratic and Republican parties as the public can find their different candidate inside their parties.

So as an outsider I am worried and does not like with what I talked about when it comes to democratic values that the money fueled and cash registered American democracy is supposed to be the greatest and the one to aspire to. That in mind as the American Government condemns and explains their values whenever a foreign government holds an election and they are a “stakeholder” in it or support the government there.

bushgore Front Page

Certainly with the values of respecting the ballot and having systems that certainly transparent and securing the vote. As the American Government have had the hanging chad and the electronic malfunction of Florida that helped George W. Bush into power in 2000. That is not the only one issue coming with the ballots loss of value in recent times. Not the delegate system of primaries. I will speak about the election laws.

The Election laws are made to make it harder to register as voter, shorter time and if your felon or former-felon in certain states is impossible to become a voter again. We know that their groups of people who have become disfranchised by the directives and laws. Certainly this deficiency and also fear for ghost-voters make it harder to get voter-ID then getting license at the DMV in some states. If it is easier to get license to ride their Buick in Texas then getting to vote, then there something missing. Certainly something missing in the so-called democratic state in question; I just mentioned Texas the laws might be worse in Utah for all I know.

The main subject is the voters and the ballot should get respect. The Delegate in convention should follow the voters as much as the votes follow the registered ones in the tally; so the ones with the most votes in Indiana should become the Indiana Senator or Representative in Congress and Capitol Hill. That is the same if they are independent, Democratic or Republican.

But why does this matter, it is a principal. That in a democracy the votes should equally matter and the voice of the men and woman who are parts of the civic duty does it in good-faith of dropping their vote and delivering a just change or keeping status quo after their own fate in the government system and picking the right candidate to do so. If the candidate fails in their tenure or term, then the voter can through ballot pick somebody else and change guards of the democracy.

Corporation Election

The issues with election laws that disenfranchise people, when the corporations of the media spreads certain message and ideas swallows the minds and the grand idea of the free speech and level playing-field together with the monies used and needed to campaign. Gives the race and campaigning for the Presidency and the Senators’/Representatives addicted to the donors and funders of their campaigns instead of the confidence of their citizens.

And if that is the way and the corporate policy of the American Dream, if that is the vision that the forefathers of the American Democracy wanted for their American Centaury and the American ideals. That cannot be what the men and woman who fought against the British and wanted to be free nation for the settlers. As they wanted to be free to build their own nation in the vision of their citizens not in the vision of GM, Doritos, AIG, Warner Brothers, AT&T and American Express. I don’t believe that the American Government and the citizens who picks the ones that votes for the ones that represent them; that it was built for the corporate citizens for the corporations and to serve the Limited Liability Company (LLC). I thought the American Government and the ideals of their democratic values was built for the citizens and not to fit the corporate agenda and their needed heads-up to get their bills through congress either by lobby-money or PACs to secure the right Candidates in the Senate. Peace.

DNB Nor plan of setting up a Carlson Funds as a “Societe Anonyme” (S.A.) to initially save taxes and write of their subsidiary in Luxemburg; they might claim differently to save face, but the agreement with Luxemburg Authorities says otherwise!

Biathlon Ad Vital DNB

The Company in Scandinavia famous for getting George Clooney to be parts of their commercials and being synonymous with the Norwegian National Team of biathlon, making Ole Einar Bjørndalen wearing a Vital hat to the races and competition as a display of one of the main sponsors of the National Team. That is ordinary in sports, and is ordinary in the time we live in. So that a big bank is supporting a National Team is everyday event, but that is not what I will write about and discuss. As I got to read one of the papers in the Panama Papers leak. Here it is and hope you can see how DNB Nor ASA used the opportunities for meager taxation and higher earning for their subsidiary.

Before you continue her is a classy ad from the company:

Now we will see how the Norwegian Company can also be a little greedy and trying to avoid taxes in Norway, but still earning the profits and having accounts, but using the PriceWaterCoopers (PWC) offer for a Shell Company in Luxemburg to save taxes and still keep the funds in safety in Luxemburg. That is the grand DNB Nor who is the largest bank group in Norway.

Here is how they do it, and it is epic ways of using the shell-companies to avoid Norwegian tax regime and use a Corporate Fund that is a S.A. “Societe Anonyme” as financial company in Luxemburg to simply benefit from the specific tax status for a company in Luxemburg instead of the Norwegian one. Let me take you for a ride!

What is the Carlson Fund Management Company S.A.:

“Carlson is a Luxembourg resident company incorporated on August 14, 1990 as a limited company (“Societe Anonyme”) in order to develop the German and other European markets” (…) “Carlson is a company of DnB Nor group (hereafter the “Group”). The Group is Norway’s largest financial services group with total combined assets of NOK 1,834 billion. It includes strong brands such as DnB NOR, Vital, Nordlandsbanken, Cresco, Postbank.en, DnB NORD and Carlson” (…)”Carlson is part of the life and asset management branch of activities of the Group, DnB NOR Asset Management. It is Norway’s largest fund manager and has a leading position within discretionary asset management for institutional clients in Norway and Sweden” (…)”Until July 28, 2006, the purpose of Carlson was the creation, management and administration of a unique fund, Carlson Fund, created in Luxembourg on August 31, 1990. In this respect, based on the Luxembourg law on UCis, Carlson benefited from a specific tax status exempting the company from Luxembourg corporate income tax, municipal business tax and net wealth tax”.

You think that is saga in the making just see what more they did to secure lesser tax in Norway and close to none in Luxemburg, because corporate greed is what makes the world run like Ussain Bolt!

“By resolution of the Extraordinary General Meeting (“EGM”) held on July 28, 2006, Carlson has amended its by-laws in order to comply with the law of December 20, 2002 transposing the UCITS III Directive 85/611/EEC into Luxembourg law. Since the EGM, Carlson has been responsible for the management and administration of several investment funds. Carlson currently manages a portfolio of funds under 3 fund umbrellas: Carlson Fund, DnB NOR Fund and more recently DnB NOR Part II Fund since February l, 2008 (hereafter the “Funds”)” (…) “As from the date of the EGM (i.e. July 28, 2006), Carlson became subject to an unlimited tax liability and is considered as a newly incorporated entity for tax purposes”.

DNB Bankkort

You think that is bad and telling how the Carlson entity of Luxemburg, which funds and fueling money from the DNB Nor and their subsidies and banks in Norway. As he Tax is high here for any profitable business, this kind of transaction and order clears lots of funds from the Company and banks, which gives higher profits, because of less tax as they follows through consultation to follow the exemptions laws in the tax-haven. Here we go!

How do they secure the tax-exemption with the laws in Luxemburg?  

“Based on article 35 (4) of the Luxembourg Income Tax Law (“LITL”), when a company becomes taxable, all its assets and liabilities have to be valuated, at the time of the conversion, at their fair market value The assets and liabilities concerned are those “contributed” to the fully taxable entity, including intangible assets (article 59 (2) LITL)” (…)”the tax balance sheet has to take into account all the assets and liabilities of Carlson (i.e. the whole assets and liabilities whose, by nature, intend to serve the activity of the company2) including the valuation of the management contract. The administrative doctrine precises that is assimilated as an asset all the potential assets that can be exploited in the context of the activity of the company and with an individual economic value” (…)”Carlson has to revalue its capital in its opening tax balance sheet. The revalued capital includes the share capital of the formerly tax exempt company, the reserves accumulated by Carlson until the moment of the conversion, as well as the revaluation reserves resulting from the step-up at the moment of the conversion. The revalued capital is treated as “fiscal capital” in the hands of Carlson from a tax point of view. Any repayment (of part) of this “capital” to Carlson’s shareholders will therefore not be subject to withholding tax in line with the provisions of article 97 (3) b LITL”.

Now we have seen how the DNB Nord have put a S.A. Society Anonyme with the Carlson Funds to drop money into the Tax-Haven of Luxemburg as the DNB thinks the suits of Luxemburg to perfection and wondered if Barney Stinson bought suits made for Luxemburg.

DNB set up the Society Anonyme is set up with a new “EMG” to get unlimited tax-liability in Luxemburg. So the advice made the funds from the company under the Carlson from the time of the board-meeting by law of the 28. July 2006. The continued thing they did was to take their assets and monies fueled into the Carlson Funds, so the liabilities together with all of contracted value and management in the tax-balance sheet. So there fueling of moneys into the Fund is also fiscal capital and because of the status of the S.A. hide more in the secret company there.

DNB Nor

Then the control of Carlson Funds is by all means controlled by DNB Nord as written here:

“As an example, a major part of the support activities (e.g. accounting) is done in close collaboration with the members of the Group located in Sweden/Norway. Moreover, the members of the team managing Carlson in Luxembourg are all senior officers originated from the Group. Consequently, the distribution of the Funds in Luxembourg is mainly performed thanks to the support of the Group”.

Here is what the group is supposed to pay in tax:

“Taking into account the total 2006 and 2007 value of the business compared to the total 2006 and 2007 annual profit before tax, Carlson will pay an annual and arm’s length remuneration in accordance with articles 56 and 164 (3) LITL to the Group for its support representing 65,92% of its annual profit before tax” (…) “Carlson will benefit from such retrocession of fees over a period of 10 years. As the taxable activity of the Company started in 2006, we propose to recognize such retrocession as from August I, 2006 until the financial year 2016” (…)”The computation of the percentage of notional retrocession of fees will be subject to a supervision period of 4 years (2006-2010). In case of significant/major changes in the business in Luxembourg, Carlson commits itself to inform the Luxembourg tax authorities of any significant changes that would modify its business and/or its tax position in order to agree on the more appropriate tax treatment”.

If you wonder what retrocession means that is planned underwritings of the earnings of the company. Underwritings or retrocession is usually a volunteer act of a company to return property or ceding property, though usually by request and not by forced transaction. Also the underwriting is also done to diversifying assets by consolidating them amongst the stakeholders. That means the last one the percentage of the company which is 65 % of the profits of DNB NORD’s Carlson Funds will dived 65% of the funds to the stakeholders of the company. Initially meaning that the Stakeholders or the Owners  of the DNB NORD and that before any tax in Luxemburg, which is beautiful business model for the Stakeholders and for the ones owning DNB, and by literal controlling Carlos Funds.

The Company found another way to dodge a little more tax:

Net Wealth Tax: As no intangible asset is recognized in the tax balance sheet of the Company, there is no increase of the unitary value of Carlson for net wealth tax purposes”.

This is initially saying that since they have not written any assets of value when they started to operate, therefore they does not have assets or monies worth to be classified for the Wealth Tax Purposes in Luxemburg. Here was yet another way of using the loopholes in Luxemburg to get even less taxation and a favorable way of using the tax-system there.

This article in the middle of the charter of Carlson Funds says the truth of the company:

The purpose of the corporation is the creation, administration and management of one or several Luxembourg and/or foreign collective investment funds in transferable securities authorized according to the Directive 85/611/EEC, as amended (”UCITS”) and of other Luxembourg and foreign collective investment funds not covered by trus Directive (“UCI”) (all together the “Funds”) on behalf of their unitholders or shareholders in accordance with the provisions of chapter 13 of the Luxembow-g law of December 20, 2002 on undertakings for collective investment, as it may be amended from time to time (the “2002 Law”) , and the issue of certificates or statements of confirmation evidencing undivided co-ownership interests in such Funds. The corporation shall manage any activities connected with the management, administration and promotion of the Funds. It may on behalf of the Funds, enter into any contracts, proceed to any registrations and transfers in its nam~ or jn third parties’ names in the register of shares or debentures of any Luxembourg or foreign companies, and exercise on behalf of the Funds and the holders of certificates of the Funds, all rights and privileges, especially all voting rights attached to the securities constituting assets of the Funds. The foregoing powers shall not be considered as exhaustive, but only as declaratory”.

EuroOK

This here says enough of the practices of the Norwegian Banking group of DNB Nor or DNB Nord ASA had a subsidiary for recess their tax-operation and use the lucrative opportunities for keeping the profit without having issues with the Tax-regime in Norway. As the Norwegian rules and tax-regulation without studying them is stricter and has to be stricter than this. Because the end of the Tax contract with Luxemburg disclose the information where they are planning not to pay for their “Net Wealth Tax Due”. So even if the funds grow massively and the monies invested in the Carlson Funds, the opportunity to underwrite 65 % before the tax on its profit and that is possible with the “underwriting” method. In that sense the taxation of the will always is 10% on very little part of the funds, as the stakeholders can theatrically take 65 Euros on the 100 euros. Leave behind 35 Euros of it profit and pay 3, 5 Euro on the 100 Euros of Profit, that is a beautiful operations. If it wasn’t for the underwriting of the revenue then the company would have by the standard tax of Luxemburg paid 10 Euros of tax. 10 Euros is not much of a profit of 100 Euros, but still vastly more than 3, 5 Euros, the difference by quick calculation is 6, 5 euros. That is nearly a price of a Big-Mac Combo-menu that cost around 8 Euros in Luxemburg.

That is because of the technic of underwriting and sharing that with the shareholders and stakeholders of the Carlos Funds S.A. in Luxemburg which is their subsidiary. As written so nicely to the Luxemburg Department of Tax Collection in 2nd July 2008:

“on behalf of our client Carlson Fund Management Company S.A. (hereafter also referred to as “Carlson”), we respectfully request you to confirm, in writing, the content of this letter as to the Luxembourg tax treatment applicable to the situation described herein”.

That the Carlson was supposed to get the reasonable Tax Treatment for the company so there was a hashed plan from the get-go together with the Company of PriceWaterCooper. The plan was made an acted upon. This would not been possible if the DNB Nor did not use the guidance and setting up the charter after the laws there and follow the guidelines of the company setting it up for making sure of having less tax.

As explained with the 100 Euros scenario. The certainty is not any excuse from the DNB Nor can tell away.  As they explained in 2016 to the Norwegian Press:

“No, DNB Luxemburg does not help the costumers to avoid tax. The Advisors function as discussion and talking-partners when it comes to financial questions, which offers legal and legitimate tax-plan for the costumers who live abroad. It could for example be about advice about financial-solution, cross-border transactions, complicated inheritance-regulation and other taxing environment that would be different from the ones who are living in Norway” (…)”DNB does not operate in Luxemburg because of taxation (Foss, 2016).

Well, I have already explained there operation and how they get to pay as little tax as possible through their operation. So DNB Nor had or still have the Carlson Fund Management Company S.A. in Luxemburg to save taxes and earn more monies in their operation and company there. Something they would be able to do in Norway or under Norwegian taxing regulation. Peace.

Reference:

MF I/ECCi/ AEGN/C21108001 M-PEWR – “Carlson Fund Management Company S.A. – Identification tax number: 2006 2240 378- Recognition of a license fee for tax purposes” (02.07.2008) – PriceWaterCooper (PWC)

Foss, Andres Bakke – ‘DNB i redegjørelse i 2014: DNB Luxembourg hjelper ikke kundene med å unndra skatt’ (08.04.2016) link: http://www.aftenposten.no/okonomi/DNB-i-redegjorelse-i-2014-DNB-Luxembourg-hjelper-ikke-kundene-med-a-unndra-skatt-8422413.html#xtor=RSS-3

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