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The Importance of Mobile Money in Uganda

As the Telecommunication companies like MTN are praised the by the government, the National Resistance Movement have clearly let the economy become addicted and need of the services provided by the different Telecom’s and how the operate as village banks. The further proof of this comes when looking into a study and of the value of Mobile Money. This is done by all of the Cellphone providers in different names, but has the same outcome. Either by sending money to village funds, paying for utilities or even add airtime for a friend. The report conducted and made by Economy Policy Research Center at Makerere University we’re an interesting read. Here is the quotes worth assessing over. The historical backdrop of the vast amounts of trillions shillings in the operations. Shouldn’t surprise anyone, considering that one third of Ugandan citizens use the Mobile Money and average rate of monies sent during a month are 250,000. With the amount of people and amounts traded by Mobile Money, it is a booming business and first trying of banking. But doing it directly by the phone and not at the offices of Standard Charted or Barclays. Just take a look!

After 5 years of operation of mobile money services, the average adoption rate stands at 250,000 persons per month from inception (March 2009) to December 2015. The increase in access to formal financial services, from 28 percent in 2009 to 54 percent in 2013, was partially due to increased access to mobile money 1 See UBOS (2016), “National Population and Housing Census 2014”, Uganda Bureau of Statistics: Kampala services (EPRC 2013). Thirty-five percent of Ugandan adults have a registered mobile money account (Intermedia 2016). An additional 13 percent access services via somebody else’s account, including that of an agent. Mobile money account ownership surpasses the use of both banking and nonbanking financial institutions (Ibid)” (Makwejje & Lakuma, P: 6, 2017).

Finally, mobile money balances are sensitive to monetary policy shocks, while the mobile money values of transactions are not. These results suggest that 1) Mobile money has helped households to substitute liquid and other lumpy assets for financial assets; 2) Mobile money has modest macroeconomic impacts; 3) Mobile money has the potential to improve the effectiveness of the conduct of monetary policy. These results provide additional evidence for policy makers to continue supporting the growth of mobile money platforms. In particular, policy makers should provide the policy and regulatory framework through which mobile money balances can become interest-bearing assets. This will further strengthen the monetary policy transmission mechanism because economic agents will be able to more directly respond to changes in the policy rate” (Makwejje & Lakuma, P: 17-18, 2017).

The authorities clearly has to assess it and look over the Telecom’s Mobile Money operations, as this is important part of transactions and business operations in Uganda. When such vast amounts of people using it and benefits from it. Where their funds turn digital and get traded instead of having dozens of shillings in their pockets as for balance for their trades. Also, gives the ability to send over needed cash up-country or even to family members. Therefore, the structure and the balances of people’s lives can be monitored and shows the interest-bearing assets. The help it has provided the society and also introduce a form of banking institutions to the public. Though this study did not look into the fortunes made by this sort of transactions compared to ordinary banking practices in Uganda. Which, would be interesting expose considering difference of cost for the consumer and Ugandan doing so. Peace.

Reference:

Mawejje, Joseph & Lakuma, Paul C. – ‘MACROECONOMIC EFFECTS OF MOBILE MONEY IN UGANDA’ (June 2017) – Economic Policy Research Centre, Makerere University

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Uganda: NIRA – Clarification on Issues Raised in the “Story Panic as National ID Data Stolen” (26.06.2017)

Third time the Charm? President Museveni postpone Sim-Card Registration to August 2017!

The time line is already is insane, but to put it in perspective. The first deadline for the Sim-Card registration was on 21st April 2017. Also, on the 18th May 2017 the Parliament passed a motion where the Registration we’re possible to postpone it for year after the date of passing. The second deadline, that Minister of ICT Frank Tumwebaze was adamant who said it was the final date and show continue. This was the 19th May, when the state and agencies really authorized it.

After that many has gotten their phones silent and lost their lines, as they even we’re registered, the Uganda Communications Committee (UCC), National Identification and Registration Authority (NIRA) and the Telecommunication Companies as well. The exercise of the weekend has been problematic, as the costumers has flooded the offices and shops because the registration haven’t worked well. The State Authorities and the Companies was not ready.

Therefore, while the President Yoweri Kaguta Museveni is in Juba, South Sudan on the 22nd May 2017. The comes a message on Twitter: “I’ve agreed to this proposal on condition that the new deadline will be respected. SIM card registration will therefore run until 30/8/2017”. Therefore, for the Sim-Card Registration have been postpone again. The citizens and the authorities can continue to work and fix the problems. The companies and the authorities clearly has a vast mission on their hands. They have clearly not succeeding. Therefore, later this one come as well: “Ministry of ICT and other concerned govt agencies are authorized to allow this new window. I ask Ugandans to take this exercise seriously” (Museveni, 22.05.2017). 

Therefore, third time is the charm for the exercise, in the meanwhile you can wonder if the ones who has lost connection. The ones that are disconnected because of the issues with the last deadline on the 19th May 2017. That is why many others lost connection on the 20th May. So now 3 days after deadline, the President shows a leading hand and because of the result. He is overturning the orders of the Minister of ICT Tumwebaze. They are getting another month to the 30th August 2017.

Certainly going from 21st April to 19th May, and today again postponed to 30th August 2017. So the people and citizens are given yet more time, but who needs it more is the Companies and State to figure out how to really do it. Since it seems to be not working now. The are blame-game by the Minister, Parliament, UCC, NIRA and the Telecom Companies.

We can just wonder how this will unfold, the story of the Sim-Card Registration is certainly not over. Not until the President and his minions says so. Peace.

A quick update of the problematic launch of the supposed verified Sim-Cards in Uganda!

Angry Pre-Registered Costumers outside the Airtel Office in Kampala

Today, as its been hours since the deadline of Sim-Card registrations in Uganda, there been reports than many who has registered and had followed the procedure of the Telecom Companies and the State, still got disconnected. The Republic and the Uganda Communication Commission and their employees is clearly overstepping their mandate. As their illegally disconnecting civilians of their communications outlet.

The cellphones that are registered and has done the following registrations should by all means, work like normal and just be in the registry. Since that, alas is not the case. The Ugandans should now march to the UCC building and also flog Minister Frank Tumwebaze who are in-charge of this mess. They are clearly been taken hostage of the exercise. Even the likes of Inspector General of Police Edward Kale Kayihura and his two phone lines is shut, also General Henry Tumukunde has lost his phone. This is clearly evidence that the UCC and Hon. Tumwebaze are incompetent in their works. Also, Lord Mayor of Kampala Erias Lukwago has gotten a silenced phone line.

If your MTN SIM card has been de-activated, please dial *197*3# and enter your National ID Number, followed by Given Name and Surname as they appear on your National ID. For Foreigners, please visit the nearest MTN service centre with your Passport or Refugee ID (issued by the Office of the Prime Minister) Please note: Your SIM card will only be re-activated after NIRA verification” (MTN, 20.05.2017).

There are news that some of the ones who are cut off, as mentioned yesterday the Mobile Money services would still temporarily work. There the subscribers are sending messages together with the money they still have left. As way of sending needed communications between each other. Still, there are millions of numbers and subscribers who wasn’t verified in time, neither had the capacity to be registered. Every Ugandan couldn’t travel to central offices of the NIRA or the Telecom Companies. Therefore, the loss of airtime and the phones. Show’s that the system wasn’t ready for it. Especially, when even central men in the NRM Regime we’re cut off. Opposition leaders was expected, as they are already heavy monitored and just luky for the government who wants to punish the ones not following the program.

There are many who got their NIN and got their verification of their numbers and registered on them. Still, the numbers has been switched off. This shows that the technology and the employees inside the UCC isn’t capable of the services they now has started. People are also worried about their data-bundles and airtime, that they haven’t been able to use before the deadlines even. There are so much money at stake and which has been invested into the Telecom Communication.

This exercise are really in the hand of NIRA, UCC and Hon. Frank Tumwebaze! They really have a lot to do and this tale is not yet over. There will be many subplot and the reasoning could be for getting more money into the Uganda Revenue Authority (URA), as the economy is in distress. Peace.

Hon. Tumwebaze clearly ‘beeping’ the citizens on the #Simregistration!

Hon Jacob Markson Oboth: “My wife has been trying to register for weeks but it is not successful. now having a wife who is not registered…” (In the Parliament of Uganda 18th May 2017).

There been two exercises done by the Ugandan authorities that has been hectic, it isn’t any by-election or polling. That is even worse than this, because the will of President Museveni has to honored and not the will of the ones throwing the ballots. Therefore, today’s proof of the ruthlessness of National Resistance Movement and their government. Are the decision to get the Sim-Cards of the citizens registered on the owners. So that the government can control and have oversight of who owns what number. Certainly for a government who already has the methods and known history of violating the privacy of the citizens with their interception technology. This has been done to the opposition leaders and their parties through the Chief of Military Intelligence at Mbuya hill, Kampala.

Well, this isn’t about how they have used FinFisher to track and monitor individuals that the state wants to control and get detained. This is about the general population and their cellphones suddenly has to not only get National Identification Card and Number (NIN) by National Identification and Registration Authority (NIRA) and follow the orders of Uganda Communication Commission (UCC). Therefore, when the Honorable Frank Tumwebaze has continued to push the registration, even as the first delay was to today, but the remarkable step was yesterday, the Parliament voted for a motion. That motion was to give up-to a year, but the Minister Tumwebaze had already made his mind. Take a look!

Yesterday’s Parliament’s Motion on the Registration:

The deadline was due to expire today. Winnie Kiiza, the Leader of Opposition, moved the motion to urge the government extend the validation exercise. The shadow attorney general, Wilfred Niwagaba, seconded the motion, pointing out that some Ugandans have yet to get their national IDs due to the inefficiency of the National Identification and Registration Authority (NIRA). Speaker Rebecca Kadaga concurred, ruling that the extension should take not more than a year. NIRA had earlier revealed that 15 million Sim cards have so far been validated, while more than one million have been rejected for submitting inconsistent data. Speaking to The Observer at their offices in Kololo yesterday, Michael Muganga, the NIRA assistant public relations officer, said Sim cards that were not verified either had wrong national identification numbers (NIN) or the names didn’t correspond with the NINs” (…) “However, according to NIRA’s Muganga, while telecommunication companies have submitted 18 million SIM cards for validation, the actual number of those validated is only 15 million. “We have issued around 15 million ID cards; so, if they have said 18 million, may be there are people who have multiple SIM cards,” Muganga said. According to UCC records, Uganda has got 22.8 million SIM cards, and many subscribers have got multiple SIM cards” (Lule, 2017).

MTN Addresses the Concerns of Costumers yesterday:

MTN added that “numbers that are not fully registered are on a soft suspension, from 8am to mid-day. Apologies for the inconvenience.” Experts said the suspension was one way MTN was driving awareness for registration, and also checking their systems ahead of the deadline which is midnight Friday. But many on twitter were outraged, demanding to know if regulations allowed MTN to do their tests before the deadline” (Uganda CrazyMedias, 2017).

Hon. Tumwebaze statement:

As a national security measure, government embarked on an exercise of ensuring that every SIM card of an individual gets validated and verified for purposes of ensuring secure and safer communications. For that matter, instructions were given to all telecom companies through the regulator, UCC to enforce the exercise. The same way banks embarked on their KYC (Know Your Customer) principle, same should apply to the telecom sector for SIM card holders” (…) “The deadline of 19th May set by government will be enforced at Midnight. This is therefore to confirm that the deadline stands and all unregistered, unverified and un-validated SIM cards will be switched off initially for voice communications. In other words the holders of those cards will not be able to receive or make calls” (…) “Another measure taken by government to ease the registration, verification and validation process for citizens as demanded by Parliament and citizens, is for NIRA to allow new ID applicants whose IDs are still pending processing to use their application form numbers. Once they get their IDs, with the National Identification Number (NINs) then they can re-submit online using the USSD code *197#” (Tumwebaze, 2017).

This here are a proof that there aren’t a synergy between the government, even between Parliamentarians, like the Minister Tumwebaze doesn’t even care or listen to the Motion that was voted in Parliament yesterday, the 18th May 2017. What should make you wonder is that the first deadlines seemed to be in mid-April – around the 20th April 2017. As one of the companies wrote online:

Hello Tangerians, To complete your SIM registration and avoid being disconnected, please WhatsApp your Tangerine number and a copy of your national ID to 0753333666, email registration@tangerine.co.ug or visit our offices before Thursday 20th April 2017” (Tangerine Uganda, April 18 2017).

But on the day 21st April 2017, the day after first deadline, the postpone was to the 19th May 2017. Than on the 18th May 2017, the Parliament passed a motion making it possible to extend up-to a year. Something that the Honorable Tumwebaze didn’t listen to or follow. Therefore, he in his station took the powers and overruled the Parliament, single-handed took charge and pushed through. This with the knowledge that many people will lack their phone coverage, even if only limited.

Minister of ICT and National Guidance Frank Tumwebaze has said the deadline for unverified SIM cards of 19 May will be effected at midnight. The deadline will only affect communication to enable mobile money customers to either withdraw their balances or transfer them to registered SIM cards” (NBS Television, 19.05.2017). So the Government, NIRA, UCC and the Telecom Companies have to silence many millions of Sim-cards. They are the ones who haven’t had the ability to get to NIRA to even get the National Identification Cards and the Numbers, which it contains (NIN). The National Identification Cards hasn’t been a smooth ride either for the Republic. So the need for this, is surely making it harder for villagers and the ones far from central towns. You can expect many in Northern Uganda, who will from tonight have phones that can only transfer mobile monies and not call.

This here isn’t only affecting the ones who has multiple Sim-Cards and hasn’t gotten them verified through the systems, the companies and the agencies who has to systematic it in their registry. If it wasn’t so, than this exercise would be unnecessary. Certainly, the ride has been bumpy and will not stop to be so. As even the wife of the Member of Parliament Oboth has to get registered today, as she wasn’t ready yesterday. There are many more who misses out and that isn’t cared for by Frank.

The State will leave a dozens behind, who has to scratch their monies and either find their ways to NIRA offices or the local government offices to get National Identification Card, even if they have that. They have to get to a Telecom provider who can offer help and from the up-country villages, that is a long ride and expensive one. So the city-life appears in the midst of villages, as they have to fix these issues. The millions missing will need support and will need help that the state should help with and not just use the Telecom to do their dirty works. Peace.

Reference:

Lule, Baker Battle – ‘Uganda: MPs Block SIM Card Registration Deadline’ (19.05.2017) link: http://allafrica.com/stories/201705190314.html

Tumwebaze, Frank – ‘Progress on the SIM card Validation/Verification exercise’ (19.05.2017)

Uganda CrazyMedias – ‘MTN prepares for SIM-Card deadline with ‘soft suspension’ (18.05.2017) link: http://www.uganda.crazymedias.com/uncategorized/mtn-prepares-for-sim-card-deadline-with-soft-suspension/

Rwanda: The Regulator imposes administrative sanctions against MTN Rwanda Ltd (17.05.2017)

Uganda: ICTAU “Re: SIM Card Registration Exercise” (13.04.2017)

Kenya: Misleading Media Reports on Regulatory Tool for Curbing Counterfeit Devices on Mobile Networks (18.02.2017)

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Opinion: Inaction on the White Collar Crimes is killing our Governments…

dilbertcorporateculture2002

I’m tired; I am so tired of these suits getting away with felonies while the Chicken thieves are starving worldwide. The chicken thief does deserve punishment for stealing the neighbour’s chicken; while tailing it by the sidewalk before the Police Officer picked him-up and threw him into the Police car before stalling him in the cell at the Police Station. Still, the one who does bigger work and on paper get rid of the charges at ease it seems.

White Collar Crimes:

White collar crimes, on the other hand, originally referred to those crimes committed by individuals with a higher social status or upper-level occupation that often required them to wear a suit and a white collared shirt. In this day and age, white collar crimes are those crimes which are generally committed in a business setting and are considered to be non-violent. Some people refer to white collar crimes as “paper crimes”. A few examples of white collar crimes include wire fraud, forgery, embezzlement and more” (Henrickson & Sereebutra LLC, 16.11.2012).

With this in mind, with the knowledge at hand; the ones who does this are higher level of corruption, are inside trading and also their networks. If there we’re judgement fair and caring than the ones who stealing the chicken. The Multi-National Corporations with their profits are accepting to try whatever way of not paying taxes and even when courts are judging even against it; they do whatever they can to cast judgement and also expect to run away from it. Like the Apple Corporation who has dodged taxes illegally in Europe, still trying to dodge the payments of excessive taxes to the Republic of Ireland. If it wasn’t Apple Corporation, but McGuiness stealing a beer at Tesco he would pay dearly for the thieving.

So the White-Collar crimes pays off, like all the embezzled funds world-wide, the grand corruption where the culprits are walking sideways and stashing funds in Swiss Accounts and foreign islands Tax-Havens far away from the tax-man and the ombudsman. The proud force of the world and the reality of it all, that the White Collar can release their mind and get off the way they do.

These Suits who knows the Mayors, Governors, Senators, Members of Parliament, Presidents, Foreign Investors and CEOs! They forged arrangement paying fees, setting up shell-companies and securing family members work inside other businesses. Because of these ties between them the implications cannot become public. The Central Government who forged this deals are also on the line with their reputations while they accept this contracts and agreements between the suits who takes advantage of them.

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That a Telecommunication Company can get licenses cheaply while running a profitable business in the nation. That they are selling airtime and subscriptions to costumers of the nation, while the state employees are in oblivion of the real deal between the Telecom and the MPs who worked under the President to offer the CELTEL Limited the Operation License in the nation. This is happening and nobody acts on the Suits or the MPs…

Still, they get it easy and get off. I wonder why the businesses that are running the mining operations and mining licenses from foreign lands. These owners of giant businesses are keep exporting Rare-Earth minerals and the Coltan; these companies are nearly in charge of guerrillas that are keeping control of the workforce around the mines. That this is going on and the human rights violations are under the direction of the Suits. They get high profits from the deals and arrangement hold by the guerrillas. They don’t get any slack for doing so, they do it in low profile and certainly where the world sees as the wrong zip-code since his crime doesn’t matter.

The White Collar Crime continues and the world just keeps turning. The International business community keeps doing this and living with it. They are feeding the fume for the fire and nobody is really questioning it hard enough. While the Corporate Media owned by the Conglomerates doesn’t want us to question this world order. Where the money goes and who keeps this upkeep, they don’t want us to be enlightened and be in the dark. That as long as the decisions are happening in the boardrooms as Corporate Trade Secrets and Government doesn’t want their dirty secrets.

The Suits prefer these secrets as with the tax-evasion, the tax-dodging practises and the luminous deals done with nondurables in the Parliaments. This with the stakeholders and liability firms that shelves the properties and fortunes that are squandered away like small-change at the cashier in the Supermarket without any consideration of the implication of these transactions.

government-has-coddled-accepted-and-ignored-white-collar-crime-for-too-long-it-is-time-the-nation-quote-1

It’s time to take this serious, it’s killing society and killing the livelihood of our economies and tax-base with impunity, as the wealthy is getting wealthier and the states are crowd-sourcing more than needed; while the Multi-National Corporations together with the lawyers and board-meetings decide how to trick the money from the expensive and profitable place to the tax-haven. This or making sure the producers and stifle the workers who produce the products as they are wishing to nullify them. This is the reality and the mentality, the ethical and moral conundrum would be to deliver the tax from where you profited and also pay the men and woman decent wage for producing the products. Instead the Corporations try to avoid both and earn a grander margin on each unit they sell. This is all legal, but still should be seen as White Collar Crime!

That is why I ask myself… If we want to get rid of this the investors, the capital of the nations and structure between government and them has to settle in a different way. Because the Government cannot be to connected with the giant businesses, than they will have the ability to deteriorate the levels of governance and the regulations of them.

We have seen that time and time again. The crime of our time is letting this happen and not do anything serious about it. The thieving in the broad daylight and without any concern of the citizens that is not eating of it as they supposed to through the solidarity of the state! Peace.  

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