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Source: Ghana The Black Star of Africa

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black star of Ghana
This man right here, he was the President of Ghana between 2001 to 2009. Most of the social intervention programmes Ghanaians enjoy today were his initiative. He introduced:
#LEAP (Livelihood Empowerment Against Poverty) where cash is transferred directly to poor Ghanaians for their upkeep.
#NATIONAL HEALTH INSURANCE SCHEME where government provides financial access to quality health care for residents in Ghana.
#SCHOOL FEEDING PROGRAMME where government provides food to children at school to encourage enrollment.
#NATIONAL YOUTH EMPLOYMENT PROGRAMME which was intended to address Ghana’s youth unemployment.
#FREE MATERNITY CARE POLICY which allows all pregnant women to have free medical services throughout pregnancy, childbirth and 3 months postpartum.
#METRO MASS TRANSIT SYSTEM which provided reliable and affordable public transportation to Ghanaians.
#CAPITATION GRANT which provided school children with cash to cater for school expenses like cultural, sports and development fees.
#AFFORDABLE HOUSING PROJECTS which were intended to provide affordable housing schemes for all Ghanaians.
He has made his mark and history will be kind to him.

Villagepreneurship

Villagepreneurship

Background and rationale

 

Africa today faces many challenges, including globalisation and market liberalisation, food price crises, natural resource depletion, climate change, rapid urbanisation, changing production and consumption patterns, demographic changes, and so on. Many of these directly or indirectly lead to changing markets, and create both opportunities and risks for farmers, especially for smallholders, youth, and women. With a growing recognition of the important role of smallholder agriculture for economic growth and rural development in many countries, market-oriented agriculture appears more prominently on the agenda. Villagepreneurship is key in this regard.

 

Villagepreneurship refers to entrepreneurship in Afrcan communal villages in areas such as agriculture or tourism. Entrepreneurship is a concept that encompasses transforming an idea or vision into a “new business or new venture creation, or the expansion of an existing business, by an individual, a team of individuals, or an established business” (Reynolds et al. 1999, cited by Global Entrepreneurship Monitor). But entrepreneurship, as opposed to self-employment, is also defined by the spirit of the entrepreneurs. Entrepreneurs are usually creative, take opportunities and accept risks, and can quickly change business strategies to adapt to changing environments. They are often innovators (Kahan, 2012). While usually being innovative and creative, farmers often lack experiences, access to services, people, or markets, and skills to have realistic chances to succeed as entrepreneurs (Wongtschowski et al. 2013).

 

In addition, Villagepreneurs are influenced by external, systemic factors, such as economic and social barriers, policies, and regulations (Kahan 2012). While these constraints affect all farmers and especially all smallholders, women and youth are particularly affected.

 

 

Rural advisory services play a crucial role in supporting farmers to become successful Villagepreneurs. They provide important information and access to people, markets, and financial services and train the farmers in the required managerial and other functional skills. Rural advisory services can also influence policies and regulations to create an Villagepreneurs-friendly environment, reduce barriers, or change prevailing values in Africa societies.

 

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In this post, learn about agricultural Villagepreneurship, or agripreneurship, and what it means for the future of Village in Africa

 

According to the United Nations, the number of people working in agriculture across sub-Saharan Africa has fallen by 5 percent since 2005, even while the total labour force rises region wide. Thousands of young people are leaving family village farms to work in the industry or service sectors, convinced that these are the kinds of jobs that will lead to greater prosperity on the continent. Other young professionals don’t see the same divide between growing crops and a growing career.

 

For me, Villagepreneurship, or what I call agribusiness, covers the entire value chain from the farm to the consumers’ plates.

 

If young professionals would apply their knowledge of business to Villagepreneurship and uncover opportunities to increase productivity, he believes they could make as good a living as anybody wearing a suit.

 

 

 

Money is hiding !

Money is hiding BUT you will only find money in these 3 places .

 

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1. People. All businesses need people to make money. Doctors need people to make money and they call those people patients. Checkers and Woolworths needs people to make money and they call them customers. Mortuaries need dead people to make money. If you run away from people you are running away from your riches. If you say you are shy and can’t talk to people then it means poverty will be your best friend.

 

2. Solutions to people’s problems. Most people run away from problems because they don’t want to find solutions to their problems. That’s why we don’t last in things that we start because immediately when a problem comes we run away and say it’s not working. If only you can find solutions instead of complaining about your problems you will be a better person and you will become successful.

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3. Opportunities. Most people run away from opportunities because they don’t like such opportunities. You don’t have to like an opportunity if you can just find the benefits that come with the opportunity and focus on such benefits you will become successful. Most of the things that make people successful are not the things they love but it’s what they will get out of those things.

 

Now how are you making your own money? Don’t tell me about a job because you will be poor for the rest of your life as long as you are loyal to your job. The richest people in the world look for and build networks while everyone else looks for a job. Where do you belong?

LET THE NEXT DECADE BE DIFFERENT…VISION 2020 – 2030

2020-2030, the next 10 years, may God give you grace upon Grace!!!

Bishop Apostle Pride Sibiya

FOOD FOR THOUGHT

 

Few days more and we will be done with 2019. Then it will be the start of another decade of your life.

Between 2020 and 2030 great things can take place in your life. 10 years is long enough to:

 

1. Start a degree course, finish it and do a masters degree on top of the first degree.

 

2. You can start a relationship, get married and have 2 or 3 children.

 

3. You can buy a piece of land and build a house.

 

4. You can write a book and sell at least 10,000 copies!

 

5. You can start a business and see it established and become profitable.

 

6. You can plan for early retirement and willingly quit the job you don’t enjoy any more.

 

7. You can start saving and investing with as little as R500 and within ten years have an investment portfolio in millions…

 

8. You can start buying cattle.. 1 by 1 in ten years time you my start a butchery.

 

9. You can start a farming project now, Example
-Mushroom Farming
-Fish farming
– Poultry project
– Vegetable garden
– Detergents
-Goat project.
( Remember poverty is a choice)

 

You are and you will be always what you THINK.

 

Look, there is more you can do in a decade. Sadly, many of us do very little. If you look back and review your past decade (2010 – 2020) you might agree with me that you wasted your life. You surely could have done far much better than what you have settled for.

LET THE NEXT DECADE BE DIFFERENT…

 

You must resolve and decide that the next decade of your life will be different, better, and more successful.

This resolution should lead you to do things differently and also do different things.

 

You might start with a resolve to strategize and plan for the next decade of your life IN ADVANCE!!!

 

Come up with a clear vision of the kind of future you desire to see unfold in the next 10 years of your life. Come up with a list of 100 things you desire to do in the next decade. It could be big things as completing a degree course to small things like getting a passport or drivers license. You might want to visit at least five countries or raise goats in your village.

 

Let us start there: What 100 things would you like to do/have or accomplish in the next 10 years of your life?

 

I  wish you well and good success in the next 10 years of your life 2020 to 2030 you shall be great in Jesus name.!!!

 

How to start a stokvel

How to start a stokvel

Just as some people exercise more when they have an exercise buddy, others find it easier to save when they do it in a group. For the undisciplined spender who is constantly cashing in their savings, a Stokvel, or group savings club, could be the answer. But stokvels are worth taking note of for another reason. Did you know that money saved in a stokvel often benefits from better interest rates and lower fees than you would pay if you put your money in a bank savings account? Sound good? This is what you need to know if you want to start a stokvel.

Types of stokvels

Usually a stokvel is started for a specific reason. The members of the stokvel may share a common goal for saving such as December groceries or a wedding. For example, a group of young ladies may get together and save in a stokvel for the purpose of funding their bridal parties.

Current estimates from the National Stokvel Association of South Africa are that the South African stokvel economy is worth R49 billion and that there are over 800 000 stokvel groups.

Quick disadvantages of stokvels

There is a downside to everything… so be aware of these dangers and figure out how you can minimise the risk of them happening to you.

• A fellow member may go AWOL after they’ve received their money.

• In most cases there’s no interest on contributions.

• Payments could be insufficient to meet your needs.

Quick advantages of stokvels

But there are lots of upsides too… think about the following:

• Saving through a stokvel gets you into the healthy habit of regular saving.

• You can finally buy something or settle a debt you’ve been battling to save for.

• You can loan out the money and receive competitive interest.

Members and savings

There is usually a minimum of 12 members in a stokvel. However, you may choose to have a smaller number of members in your savings group. The average South African stokvel member contributes about R711 a month.

Constitution

This is an important document that must be drawn up when you start a stokvel. Think of it as the group’s guidebook. The constitution should include guidelines on:

  • How often and in what manner money is to be collected each month.

  • How the money will be invested.

  • Under what circumstances withdrawals may be made.

  • What happens if a member fails to make contributions or decides to leave the stokvel.

  • What happens if a member dies.

  • The process if a new member decides to join the club at a later date after inception.

The constitution is particularly important as it provides a reference point and can pre-empt disagreements within the group before they occur.

The bank account

You should have two to three authorised signatories on the bank account and this should be set up so that none of the authorised signatories can make withdrawals without the signature of the others. The stokvel should be audited regularly by an independent auditor and the auditing records should be freely available to all members.

First National Bank provides a Stokvel Account that is aimed specifically at people saving as a group, with no monthly fee.

Absa’s Club Account requires a minimum deposit of R50 to open the account, and zero transaction fees, and the savings are available on a 32-day notice period. The interest rate is tiered, so that the more money saved, the higher the interest you earn.

Nedbank’s Club Account requires a R100 opening deposit, offers zero account maintenance or transaction fees, and unlimited withdrawals

Standard Bank’s Society Scheme savings account requires a R100 opening deposit, provides anytime access to funds, and offers cash prizes in regular draws as long as the account balance stays above R5 000. There is also no account fee if the balance is kept above R5 000.

 Final word

When you start a stokvel, make sure that you follow these simple steps: 

Choose the right members – Choose people you can trust  who share common values and savings goals. Dishonest people tend to disappear after they’ve got their money, and fail to contribute to others. Choose people who can stick to the rules!

Choose a goal for the stokvel – Some stokvels contribute money so they can buy groceries and others for home appliances; some pay someone in cash monthly, while others simply invest the money in a joint stokvel account. Decide what your goal is at the outset and stick to it.

Decide how the pay-out will be made – Will the money get deposited or given in cash form? These conversations need to happen before time. Most groups will opt to deposit the money due to safety reasons.

Have a clear set of rules – Everyone should know the rules and stick to them. Rules can include penalty fees for late contributions. Decide who keeps bank slips and what happens when a person can’t continue with the stokvel. There might be a need to have a formal contract based on your relationship and how big the group is.

Save with purpose – You need to know why you’re personally joining a stokvel. Will you pay off a debt or invest for your children’s education? If you have a clear goal in mind, you will be more likely to reach it.

 Good luck and start saving today!

Author: Spencer Kahari | Co-Founder | Chairperson | School of Empowerment: AFRICA           

Publisher: schoolofempowerment.co.za       

Licence: All Rights Reserved @2019

Pastoral Note On Xenophobic Attacks In Africa (Bishop Pride Sibiya)

Pastoral Note On Xenophobic Attacks In Africa (Bishop Pride Sibiya)

 

One of the greatest African human concepts and ideologies to be exported to the rest of the world can never be better enunciated than by the Zulu of KwaZulu Natal, South Africa.

The concept of Ubuntu (humanity, hunhu) is clearly manifest through statements like, “Umuntu ngumuntu ngabantu!”(A person is a person because of other people). The concept shows us that we are because of our neighbours.

 

Ladies and gentleman, by respecting the sanctity of the life of others, we are respecting our own lives and our future. Indeed no African should be seen as a foreigner in their own continent. Why should we subscribe to the Berlin Conference of 1885?

Was that an African conference hosted by Africans? Africa was partitioned by “foreigners” whom we are glad to live with as brothers whilst decapitating our own calling them “foreigners.” Brothers and sisters this is not right.

 

 

The Old Testament prophet Obadiah comes to mind. He was raised by God to speak to a situation where brothers were mistreating others.  Obadiah 10 spells disaster for those that fight their brothers: “For your violence against your brother Jacob, shame shall cover you and you shall be cut off forever.” Violence never solves a thing. As brother fights brother to death, the real foreigner is waiting in anticipation to take over the land given to them by God.

 

Now we are also seeing scenes of backlash from other Africans. Ladies and gentlemen, instead of revenge let us inculcate the culture of love. No Shona, Chewa, Tswana, Igbo, Yoruba, Ndebele or Zulu must die on account of one of us. We are one family: “But if you bite and devour one another, take heed that you be not consumed one of another.” (Galatians 5:15).

 

As I close, let me say this. One of my greatest times in primary schooling, was when we sand in the choir denouncing apartheid, “free Azania,” “not yet Uhuru!’ free South Africa and so on. 1994 was not just South Africa’s independence. It was Africa’s independence. Arise, Africa!

 

Let us love one another and unite!

#Xenophobia

#Afrophobia
#XenophobiaInSouthAfrica
#SayNoToXenophobia

Bishop Pride Sibiya

 

Read more at https://www.pridesibiya.com/2019/09/pastoral-note-on-xenophobic-attacks-in.html

6 Ways To Empower Others To Succeed

According to Kinicki & Kreitner, empowerment is about “sharing degrees of power with lower-level employees to better serve the customer” (2008, p. 333).  To me, empowerment is about giving employees the permission to give customers priority and to use their creative talents to find solutions when issues arise, without having to run to management and ask for permission to do something.  Southwest Airlines is a good example of a company that highly empowers their employees and gives them great latitude to keep customers happy.

Empowering employees isn’t easy though, because it requires that a company and their management be committed to continuous employee development.  It means fostering an environment of trust and helping employees learn from successes and analyze failures.

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  • Share information:  Sharing information with employees is important because it not only helps to build trust; it gives employees important information that will allow them to make the best possible decisions in critical situations.

 

  • Create clear goals and objectives:  Be clear with your vision, goals/objectives, and roles.  This will help create the framework necessary to guide employees to make empowered decisions to keep customers happy.

 

  • Teach that it’s o.k. to make mistakes:  If you empower employees to make decisions that will help keep customers happy, then you have to be willing to allow them to make mistakes and learn from those mistakes.  Berating an employee who tried something new will only serve to keep others from trying new things.

 

  • Create an environment that celebrates both successes and failures:  Don’t just celebrate the successes, celebrate the employees who took a risk but maybe didn’t obtain the results intended but learned valuable lessons themselves and for the company.

 

  • Support a learning environment:  This is an ongoing process whereby teams look at various situations and discuss them together to determine how they might handle things differently in the future to achieve a different result.  This is really what our lives are all about…learning new things as we age, by analyzing the things we’ve done in the past.

 

  • Let teams become the hierarchy:  This occurs by slowly and carefully transferring responsibilities from managers to teams.  This can be a very scary and difficult process that takes time, training and a lot of persistence (Kinicki & Kreitner, 2008, p. 335).  It’s been my personal experience that this requires a lot of support time to the teams as they move from depending on a manager to make decisions to being autonomous.

 

 

Working to create an environment that empowers employees has been shown to not only increase customer satisfaction levels, but also improve employee morale.  It takes training, practice, and the ability to accept mistakes as a part of the learning process – but it is well worth the effort in the long run!

Living a Purposeful life

Living a Purposeful life

It is often said that the poorest person in the world is the person without a dream. The most frustrated person in the world is the person with a dream that never becomes reality. I am certain that every individual on this planet no matter which race, culture, nationality or socio-economic status has had a dream of some sort. The ability of children to dream is a natural instinct instilled by the Creator. No matter how poor or rich we are, whether we were born in the bush village of an underdeveloped nation or amid the marble floors of the aristocracy of society, we all have childhood dreams. These dreams are visual manifestations of our purpose, seeds of destiny planted in the soil of our imagination. I am convinced that God created and gave us the gift of imagination to provide us with a glimpse of our purpose in life and to activate the hidden ability within each of us. Purpose is the reason why something was made. It is the end for which the means exists. It is the source of the dream and the vision you carried in your heart from childhood. It is the key to your fulfillment. It is a fact that every manufacturer makes a product to fulfill a specific purpose, and every product is designed with the ability to fulfill this purpose. In essence, the potential of a product is determined by its purpose. This is true of everything God created, including you. The purpose of a seed is to reproduce trees. Therefore, by God’s design, they possess the ability or potential to fulfill this purpose. But just because a seed has the potential to produce a forest, does not mean it will. One of the greatest tragedies in nature is the destruction of a seed or the isolation of a seed from the soil. Consequently, the death of a seed is the burial of a forest. Having ability is good, but keeping ability is bad.

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Your life has the potential to fulfill your purpose. If, however, you imprison that potential, you rob your life of its purpose and fulfillment. You and every other individual on this planet possess an awesome treasure. Too much of this treasure is buried every day, untapped and untouched, in the cemeteries of our world. Much talent, skill and creativity have been lost to the world for want of a little courage. Many obscure men and women enter eternity pregnant with potential, with a still-born purpose. Living with ability brings responsibility. Dying with ability reveals irresponsibility. Everything in creation was designed to function on the simple principle of receiving and releasing. Life depends on this principle. What if the plants refused to release the oxygen they possess or if we human beings refused to release the carbon dioxide we produce? The result would be chaos and death for the entire planet. Unreleased potential is not only useless, it is dangerous—both for the person or thing who failed to release it and for everything that lives with them. Dormant potential is not healthy, advantageous, safe or effective. You must
understand that your valuable deposit of potential was given to enrich the lives of others. When potential is kept, it self-destructs. The tremendous potential you and I have been given is locked inside us, waiting for demands to be made on it. We have a responsibility to use what God stored in us for the good of the world. We dare not leave this planet with it. Many of us are aware of the ability we have inside, but we have been frustrated by our failure to release that ability. Some of us blame our historical circumstances. Others blame social status. Still others transfer the responsibility for their failure and frustration to their lack of formal education or their less than ideal opportunities. Over the years, I have come to realize that no excuse can be given to justify the destruction of the seed of potential that God placed within you. You can become the man or woman you were born to be. You can accomplish the vision you saw. You can build that business you planned. You can develop that school you imagine. You are the only one who can stop you. No matter what your environment, you have the ability to change your attitude and your internal environment until they are conducive to the termination of your potential seed. The purpose of this material is to help you understand and appropriate the principles necessary for Releasing Your Potential. You must not add to the wealth of the graveyard. You owe it to the next generation to live courageously so the treasure of your potential is unleashed. The world needs what God deposited in you for the benefit of your contempraries and all the generations to follow.

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