Saturday, October 27, 2018

"In search of The Gambian character" by Cherno Njie

Cherno M. Njie
Cherno M. Njie,  Guest Blogger
Austin, Texas. 
October 27, 2018
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From where I sit, the acceptance of an anonymous donation of fifty-seven pickup trucks by members of the National Assembly, channeled through President Barrow, was a troubling sign of the lack of judgment of our elected officials, with few exceptions. It was also an early indication of the latent corruption in the executive branch. The recent furor over the payment of a ten thousand dalasis monthly stipend to some UDP members confirmed, if anything, that a compromised legislature – the branch of government closest to the people – cannot adequately protect our liberty and ensure democratic accountability.

That President Barrow and the legislators have been able to get away with this behavior thus far is a sad reflection of, as it stands, the Gambian character, or lack thereof. Excuse my moral scolding. But I must continue: has not the leader of the UDP and his supporters vociferously defended, excused and justified Barrow’s vehicle “donation?” Stunningly, those same partisans now decry Barrow’s cash payments. What, may I ask, is different ethically between the two incidents to provoke such varied reactions? Hypocrisy, goes the saying, is the tribute vice pays to virtue. To make matters worse, Honorable Darboe, in a fit of misguided loyalty, encouraged Barrow to jettison the coalition agreement’s three-year transition term. He acted dismissively, as if the authors of the accord were unaware of the five-year presidential term in the Constitution. The Vice-President doubled down and threatened to take legal action if President Barrow was held to a three- year term. Thus, the guardrails erected to ensure a disciplined and effective transition were greatly weakened.

When asked by the journalist Omar Wally how he could reconcile his recent proclamation of a food emergency for the country with the profligate travel expenditure of President Barrow, the Vice-President responded that he would need to inquire if the private jet was leased by Barrow himself or the government. While I understand the political jockeying by the two UDP protagonists, and the Vice-President’s momentary tactical disadvantage, these are uncharacteristic political and moral lapses of immense proportions and reason enough that the truth and the national interests – which should be focused on reform and renewal -- must not become a casualty of this internecine tussle. To say that I was deeply disappointed is to admit that I held the Vice-President to much higher ethical standards than the President. He has sacrificed much professionally and personally in a long and honorable struggle for freedom. But his actions have consequences.

Is it any wonder that an emboldened President Barrow, buoyed by his political “godfather’s” blessing, would now want to ride roughshod over anyone who dares to contest his nomination as the UDP candidate in the next presidential election? Unfazed by public outcry for answers, he stayed mum over the large sum of money remitted to the account of the First Lady’s Foundation. And this is only what we have public knowledge of. The belated attempt by the Minister of Information to explain the source of these funds is a fairy tale, only one less credible than the Saudi Arabian fairy tale on the disappearance of the journalist, Jamal Khashoggi. At least that tale has a Prince. It is tempting to regard Barrow’s behavior as UDP’s just reward, but that would be shortsighted. For this goes further than intra-party politics, and strikes at the heart of our nascent democracy, with implications for national institutions and our fragile political culture. A President disinclined to follow his own party’s rules, and whose ethical lapses are boundless, cannot be expected to be scrupulous in abiding by the Constitution and the nation’s laws. We all now have a stake in restraining this naked power grab run amok.

With our zeal for the New Gambia, we seemed to have forgotten what it was that got us here in the first place. To watch the daily parade of Gambia’s leaders and political elite appear before the Janneh Commission is to witness a procession of alibis and abdications. Surely, these are not all bad people. Yet I cannot help but feel that something has gone awry in our public comportment; something inside has dissolved, succumbed to cynicism and a habit we have developed for indulging helplessness. There is scant moral fortitude. Only look around. The nations that we admire, that we seek to emulate are not perfect, but never are they built upon cultural decay and maintained through moral faint-heartedness. A nation that holds Imam Baba Leigh in equal esteem with the Imams of the Supreme Islamic Council – who gave succor and legitimacy to Jammeh – or regards them as interchangeable, lacks moral depth or self-reflection. A well-functioning society, besides the law, employs moral reproach to sustain, encourage, and elevate what is good in all of us over what is corrupting. When, on the other hand, unsavory fixers of the Jammeh regime sit at the right hand of Barrow, the President may speak with little moral authority.

In case you think these lapses of character are a recent phenomenon, I would remind you that President Jawara, after three decades in power, was persuaded from resigning (if he meant to do so), by PPP stalwarts based on the quaint idea that he was indispensable to the nation. The graveyards, De Gaulle remarked, are full of indispensable people. The failure of leadership has been the rule at pivotal moments in our history, those moments precisely when we needed leaders who were high-minded. It appears, that in discharging the duties of high public office, we tend towards personal gain and the absence of moral courage -- the courage to do what is right for the country.

As a small, close-knit community, the theory goes, we are conditioned to “maslaha,” to want to get along and avoid tension. After all, how can one be disagreeable or judgmental with a fellow citizen if he is a friend, relative, acquaintance, or neighbor you may encounter or socialize with? If we accept the premise, it should too work the other way around. We should be restrained from the misuse of public resources, incentivized to further the national interest or inhibited in flaunting ill-gotten gains. But we know this is not the case. So, we practice a distorted situational ethics by excusing behaviors in some that we condemn in others. We remember an African proverb, that the gorgeous dress of a thief is not a garment of honor. In Gambia, such garments are worn with considerable flourish, eliciting not scorn, but adulation. There is an apt Wolof proverb for this :Nit ku amul jomm, amul dara (A person without honor does not have anything).

I have a long-held fantasy that one day, I will wake up to the news that a prominent public official has resigned on a matter of principle. Perhaps -- just perhaps -- that will begin a cultural shift towards a new ethos of public service infused with radical truthfulness. So, as we inaugurate the TRRC and CRC, let us reflect on what it means to be a Gambian. What values do we want to carry with us? A constitution is only as good as the cultural and societal values of the people it is meant to serve. It does not work in the opposite direction. As the American Justice Scalia once said: every banana republic has a Bill of Rights. To build the Gambia we want, we must be true to ourselves. There are no shortcuts. Character, Integrity, Principle, Courage: they all matter!

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'Stena Drillmax' arrives in offshore Banjul

FAR's Blocks A2 and A5
Stena Drillmax Offshore Banjul 
The Gambia''s Ministry of Petroleum and Energy issued a press release announcing the arrival of the UK-registered drillship 'Stena Drillmax' and onsite to commence the drilling of exploration well in Block A2.

An Australian Security Exchange listed oil and gas exploration and development company known in the industry as FAR is in venture partnership with Malaysia's PETRONAS to eventually develop Blocks A2 and A5 that cover 2,862 sq km located within the Mauritania - Senegal - Guinea Bissau (MSGB) Basin.  The area lies about 30 km offshore in 50 - 1,500m water depth identified by FAR to contain an estimated 1.1 billion barrels of crude.

According to the release, Stena Drillmax arrived on site on Monday, 22nd November and after standard pre-drill operations, the well was successfully spudded on the day, signalling the start of the drilling of the test well.

Mindfully of recent criticisms leveled against the government, the Ministry issued an assurance that periodic progress reports will be provided to the general public "as and when necessary and available."

In a separate release, the Petroleum Ministry stressed the fact that the current operation is an exploration exercise to determine whether commercially exploitable resources exists in the area or not. The exploration well will be "drilled through 1,000 meters of sea water depth to a planned depth of approximately 3,100 meters...an extremely expensive financial undertaken", the second press release concludes.

Wednesday, October 24, 2018

Consultants recommend retrenchment of 79 SSHFC staff is reason for staff protests and unruly behavior

Momodou Camara, President Barrow, MD Manjang 
Addressing a letter to the Director General of the State's Intelligence Service (SIS), inviting him to intervene in a civil/staff matter is the latest act of insubordination by one Kebba Touray, staff of SSHFC, that borders on a threat to the national security. 

This same group of staff organized a demonstration, on company time, and marched to State House demanding the dismissal of the Managing Director who had been in office for less than a year and a half. 

When they didn't get what they wanted, they decided to occupy the headquarters premises of the corporation, padlocked the gates to the offices thus denying public access to a public building, an illegal act committed in full view of Gambia's Chief of Defense Staff (CDS), the Director General of the State Intelligence Services and the Inspector General of Police.

The campaign to have Mr. Manajang's services terminated resulting in open defiance led to President Barrow's decision to appoint a Panel led by Mr. Lamin Samateh, a retired civil servant who, during his three decade of service, had served served as Permanent Secretary, Personnel Management Office and at the Health Ministry among other key positions.  Other members of the panel include prominent Gambians with distinguished service both within the national and international civil services. including the United Nations and the African Development Bank. 

In presenting the Report of the fact finding Panel, Mr. Samateh's statement hinted at several outcomes of their investigations, suggesting the exoneration of Mr. Manjang as Managing Director among other outcomes that would not appear to be favorable to a small band of disgruntled staff who have sustained a well coordinated campaign to sully the reputation of a Gambian who has proven to be a competent and honest professional with a sterling investment banking career.  When the state-owned and -controlled television ran a banner that the Panel has exonerated the Managing Director, it sent the campaigners into a frenzy.

The SSHFC-sanctioned consultancy conducted earlier had reached similar conclusion about Mr. Manajang's competence to lead the corporation when it its draft report to the Board of Directors said "The consultants and authors of this draft report, as a result of observations and discussions, believe that such leadership does exist within the SSHFC", in managing the impending redundancy.  Of course, the far-reaching restructuring the consultants were recommending requires a strong, competent and decisive leadership and they found it among some members of the Senior Management Team (SMT) at SSHFC.

Among the consultants' recommendations were the retrenchment of 79 staff of the corporation, reclassification of other job titles, retraining of remaining staff and, of course, a severance package of affected staff.  Management was presented with two options of either retaining affected staff until the end of their contract or terminating the contracts with an accompanying generous redundancy package that will include notice pay, separation pay and other inducements. 

The financial mismanagement of the corporation that lasted for two decades, except at intermittent intervals when Jammeh experienced some resistance from senior management, "needs a makeover", to borrow the phrase of the consultants.  "This will involve continuous training, focused IT system, separation of investment and the financial management system, organizational and process restructuring, cultural change, new compensation and a new approach to performance management."

The extent of the "makeover" would require not only a cohesive and competent management team to lead the charge but it would require a strong and determined stewardship at the apex of the organizational chart.  And according to the consultants who have had extensive interactions and discussions with Mr. Manjang and senior management, the current MD fits the bill - a view, by our assessment, shared by the fact finding Panel led by the former Permanent Secretary of the Personnel Management Office. 

These findings and conclusions by a team of consultants and a group of eminent Gambians with extensive national and international experience have validated the widely held view that he current Managing Director must be allowed to continue his mission unhindered to implement the reform program of the Social Security and Housing Finance Corporation.

Government must urgently endorse the Panel's recommendation and allow Mr. Mohammed Manjang, staff and his Board of Directors to resume work so that they can, together start putting in place the reforms necessary to protect the interest of their clients - pensioners, prospective pensioners and the employers who are contributing to the corporation. 

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Tuesday, October 23, 2018

SSHFC senior staff: A very select and privileged class

In this post, we are going to cut through the chase and go straight to the numbers for readers to appreciate the magnitude of the challenges the Managing Director of Social Security and Housing Finance Corporation faced when he was appointed in March of 2017.  For previous blog posts on the subject, you can them here, here and here.

Staff of the SSHFC enjoy the following privileges in the forms of Building, Car and Personal loans.  Former staff members, although no longer with the corporation, still owe outstanding loans in one or a combination of the three types of loans cited. 

As at May 2018, the outstanding balances on the following loans are as follows: 1. Building D87 million at 3% interest  2. Car D20.8 million at 5%   3. Personal  D6.7 million.

Former staff members have an outstanding loans totalling D10 million for one or a combination of the three types of loans, an amount has not been serviced in the last several years.   The SSHFC Staff Club owes the corporation an outstanding amount of D2.9 million for organizing dances and shows like Youssou Ndour etc.

The total outstanding loans the staff owes SSHFC is D117.4 million as at May 2018.

The car loan scheme is subsidized for senior level staff, the cost of which is shared 50/50 with corporation after every 5 years.  Unfortunately, this privilege was generally abused in the following fashion.  Instead of accessing the facility every 5 years as intended, senior staff were accessing it every 3 years and by buying cheaper cars than they claim in their application.

For example, a staff member will take a D400,000 car loan to which the corporation adds D400,000 for an D800,000 car but the staff will instead buy a D300,000 car and pocket the D500,000 knowing full well that in about three years another loan request will be made.

On the building loan, a condition is placed on buying fire, allied perils and life insurance but they were not taking any cover.  Obviously, these problems were beginning to be addressed by the new MD which was being resisted by staff.

Another privilege that was subject to abuse and which was being addressed is what is called "free  deduction months".  These are months when no loan deduction is made such as Christmas, Tabaski, Ramadan etc. amounting to 5 to 6 months a year. 

The impact of this free deduction months is it inevitably extends the repayment period by up to 10 years which means 10 extra years of low interest accruing to the borrower and 10 years of lost interest to the corporation that is extending the privilege at subsidized interest rate.

The decibel levels are high because Director General Manjang had embarked on a reform program that would have affected the above privileges in addition to the staff restructuring - an absolute necessity - as recommended by the consultant. 

We expect Mr. Manjang to resume duties soon so that he can start addressing the mounting problems of the corporation he inherited from the Jammeh administration. 

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How Ocean Bay Hotel and Resorts and Sun Beach Hotel continue to cost SSHFC millions in revenue

Nicolae Bogdan Buzaianu
Nicolae Bogdan Buzaianu is a naturalized Swiss of Romanian origin who has been described as one of Yaya Jammeh's least-known but highly consequential business partners and a central figure in partnering with the former-dictator to plunder the country's wealth.

He is also owner of Westwood , a company found to be in cahoots with Jammeh in the illegal exploitation of Senegalese redwood timber for export, causing environmental havoc as well as threatening the diplomatic relations between neighbors. 

Prior to venturing into The Gambia, the Swiss-Romanian was alleged to have been involved in a 7 million dollar gold-smuggling ring that was unearthed.  A sizeable amount of gold was seized by the Zambian drug squad in 2007.

The late Zambia  President Michael Sata implicated Mr. Buzaianu which led his to threaten to sue the government of Zambia for $100 million which he never carried out.  He, instead, returned to Switzerland before trying out Gambia as a business destination.

Records show that both the Ocean Bay Hotel and Resorts and Sun Beach Hotel were leased to the BP Investment Group FZE (BPI), a company believed to belong to the Swiss-Romania,

Ocean Bay Hotels and Resorts (OBHR) was leased for an initial term of 10 years from 1st December, 2013 and Sun Beach Hotel was leased for 15 years 10 months from 9th August, 2016.

OBHR monthly rental:  The monthly rental for OBHR was 13,000 (thirteen thousand) Euros payable quarterly in advance for the first five years increasing to Euro 14,000 per month for the second five years.  The lease agreement also stipulated that any and all investments made by BPI in the physical structure of the OBHR during the term of the lease shall be deducted from the monthly rent up to a maximum of 6,000 Euros.

Sun Beach Monthly rental: The monthly rental of Sun Beach is the sum of $10,000 from 1st November, 2016 to 31st December, 2021 increasing to $12,000 from 1st January, 2022 to 31st December, 2026 and to $15,000 for the remaining duration.

BPI was to take Sun Beach on an "as is" basis and be responsible for all renovation and remodelling at its own expense and spend not less than 2 million Euros in accordance with its own renovation schedule/plans.  BPI failed to honor this commitment.

In March, 2017 under the new Managing Director, SSHFC decided to review the investments and decided that the consideration was scandalous, extortionately low and detrimental to SSHFC investment returns.

The returns on investments (ROI) for Ocean Bay Hotel and Resorts never reached 1%.  The rage was from 0.8% - 0.9% per annum.  BPI since inception of the OBHR lease 31st March, 2017 were paying a monthly rental of 7,000 Euros which means they were deduction automatically 6,000 Euros for  purported renovations/ remodeling without prior consent of SSHFC.

ROI for Sun Beach was 2.55% annually.  The poor returns on investments together with the fact that BPI was at the time owing SSHFC several months rent arrears nd woefully falling short of meeting its other obligations such as payment of utility bills, led the SSHFC management under Mr. Manjang to terminate the leases.

In August of 2017, the corporation instructed its solicitors to issue notices of termination which was challenged by BPI in the High Court to prevent SSHFC from reentering the hotels.  In May 2018, the case in the High Court was struck due to non-diligent prosecution. 

The Social Security and Housing Finance Corporation is prepared and ready to re-enter the hotels, according to sources, but the Commission of Inquiry into the illicit wealth of Yaya Jammeh has placed them under receivership.  The corporation has tried unsuccessfully to discharge their order.  Meanwhile, SSHFC has an offer of 1.2 million Euros annually for the two hotels which they cannot pursue further because of the current status of the hotels.

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Monday, October 22, 2018

SSHFC serves as a social safety net to over 400,000 Gambians and their dependents.

Sidi Sanneh 
Politics, by its very nature, is corrupting.  This is so because the liberal use of misinformation and outright falsehoods has become an acceptable sin of the trade.

Misrepresenting the truth, or more bluntly, an outright lie in politics is, therefore, tolerable, to some degree, and to the extent that the truth is stretched beyond the breaking point.

However, to the extent possible, deliberate misrepresentation of facts by politicians and non-politicians alike that will impact public policy negatively is unacceptable and intolerable.

The establishment of the Social Security and Housing Finance Corporation is one of the crown jewels of Sir Dawda Jawara's presidency, representing a profound public policy statement that became under threat during the dictatorship of Yaya Jammeh.

We have written numerous blog posts about the corporation because of the critical role it can play in providing the necessary safety net as well as generate investment income to contribute toward the government development efforts.  However, as we see in previous posts that you can find here, here and here that potential has been withered to the point of bankruptcy.

Although the corporation has not been rendered insolvent, it has been affected significantly and has, in the process, let down the many Gambian retirees and their dependents because of the corporation's inability to meet its fiduciary responsibility of meeting the pension payments in a timely fashion to so many Gambian retirees.

In fact, the 400,000 Gambains and their dependents have become the unwilling casualties of the recent crisis - a self-inflicting one at that - by a handful of staff who, we now know, were concerned that careers at SSHFC was threatened after the "Institutional Assessment and Human Resource Audit" consultancy, the outcome of which included recommendations that were to include retrenchment and other rationalization management actions.

These pending management actions resulting from the consultancy obviously made some members of staff nervous of the likelihood of being affected by a rationalization exercise that led to the demonstrations and other strike actions that were found to be illegal by the Panel.

Throughout the crisis, the disgruntled staff and their supporters have been citing the 200-odd staffers (a figure that has yet to be verified) that have been denied their right to demonstrate.  This claim is not only frivolous but galling because the staff who protested up to the State House and blocking public access to a public building - all on company time ( i.e office hours ) - were breaking every rule in the book as well as the law.

Now that the Panel's report is out and some of the major recommendations appear to be not in favor of the disgruntled staff, those who illegally demonstrated and blocked public access and their supporters are now suggesting that the large size of the striking staff warrants that they stay and the Managing Director to be dismissed or transferred, among other unreasonable demands.

In fact, the release of the Panel's report has resulted in the disgruntled staff upping the ante by addressing a letter to the Director General of the State Intelligence Service urging him to use his "honorable office and position [emphasis ours] to avert any potential escalation of the tension that may threaten the peace and security of this...institution and our country as a whole."  The unsigned letter written by one Kebba Touray and published online was pulled down reportedly at the instruction of the author.  Why?  It's anybody's guess.

Whatever their motivation, their insistence on elevating a purely managerial/business matter into a national security issue by a handful of disgruntled staff and their supporters is a matter of grave concern because their behavior is a mark of an unhinged group whose bizarre behavior must be checked and, those found to have broken the law, disciplined as recommended by the SSHFC Panel.

Kebba Touray's letter justifies our concern at the presence of the Chief of Defense Staff, the Director General of the State Intelligence Service and the Inspector General of Police at SSHFC headquarters to plead with striking staff members who were blocking public access and thus breaking the law.  By their mere presence at what amounted to an industrial dispute, these service chiefs were inadvertently elevating a civil into a military/security matter.  The Barrow administration is not a military administration.  We must therefore keep the military and the security services out of law enforcement and civil matters.   

That said, and in moving forward, we must be cognizant of the fact that the primary mission of the corporation is not to pamper the staff but to deliver on the social contract it entered into with its client.  The corporation primary obligation is to the pensioners and not to corporate staff, a message that must be clearly and firmly delivered to every employee of the corporation - from the Managing Director to the office cleaner.

Since the striking employees and their supporters have been touting their number - about 200+ - despite the fact that less than a dozen took part in the demonstrations, we need to also show the number of people whose lives are also impacted in a much more profound manner: -

The Pension Fund comprising of largely parastatals has an active employer membership of about 58 and 13,600 employee membership, meaning that 58 businesses (private and parastatal entities), a very significant number, by Gambian standards, are contributing towards the retirement benefits of 5% of the 2 million Gambians.

The Provident Fund, comprising of mainly private sector companies, has just over 5,100 active employer membership with 123,000 employees.

The Industrial Injuries Compensation Fund is made up of Parastatals, Private Sector and Security Services with an active employee membership of 153,000.  This figure represents a consolidation of the membership of the Pension and Provident Funds plus the Security Forces.  In addition to these number, there are roughly 3,000 active pensioners, bringing the total sum of direct beneficiaries and their dependents to : 153,000 + 3,000 =156,000 x 3 = 468,000

If we assume that there are 3 dependents for every employee members, given that the employees are relatively young, 468,000 or roughly half a million Gambian lives are profoundly affected  and inextricably linked to the financial well-being of SSHFC which, in turn, is dependent on how the corporation is managed.  The number of a handful of disgruntled striking staffers pails when compared to over 400,000 Gambians and their dependents whose lives could be affected by staff disruptions or mismanagement of the resources of the Social Security and Housing Finance Corporation.

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Friday, October 19, 2018

The plundering of Social Security Funds and suggested mitigating measures needed in response

Hon. Samba Jallow, MP Niamina Dankunku
We are republishing this and similar blog posts on Social Security and Housing Finance Corporation as we look forward to a final resolution of the crisis and the resumption of duties of the Managing Director of the corporation. 

This blog post was first published on 5th October, 2017 
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The extent of the damage done to the social security scheme at the Social Security and Housing Finance Corporation may not be known for sometime to come.

And perhaps not until the Commission of Inquiry into the illicit wealth of Yaya Jammeh has completed its work and a thorough assessment of the financial damage inflicted on the corporation by the former Gambian dictator who is currently in involuntary exile in Equatorial Guinea.

Based on what the Commission has revealed thus far, it is safe to say that the Barrow government needs to take immediate defensive measures to protect what's felt of a once financially viable corporation that was established to secure the financial well being of private sector employees during their retirement years.

The social safety net that took years to build as insurance for older workers during retirement has been destroyed by a handful of Gambians, led by Jammeh and his business partners who used the financial contributions of private sector workers into the Pension Fund, Provident Fund and the Industrial Injuries Compensation Fund.

The extent of the damage done to the Housing Finance Fund, the third Fund of the SSHFC is still unclear as the Commission continues its probe.  Pay special attention to the Kanilai Housing Scheme.

Commenting on my Facebook page, Hon. Samba Jallow, the NRP Member of the National Assembly for Niamina Dankunku finally connected the dots, as did many Gambians, when he said, "Sidi Sanneh, this is why when pensioners apply for their pensions and are asked to stay three months before payments is matured."

He expressed the serious nature of the pensioners' predicament and solicited my views on what can be done to mitigate "a very serious" challenge for our country and a serious threat to the welfare of current and future Gambian pensioners.

There are a few defensive measures that could be taken even before the conclusion of the Commission's work to protect what's left of the financial integrity of the Social Security and Housing Finance Corporation :-

1.  Appoint an apolitical Management Team with proven managerial experience to replace the current team.  A new Board should also be appointed immediately.

2.  Restore the Ministry of Finance and Economic Affairs as the line Ministry to replace the Office of The President.

3.  Divest SSHFC of all of its 33% shareholdings in Trust Bank and any other commercial bank with the proceeds going towards replenishing the appropriate Funds of the corporation.  The same should apply to other SOEs with similar shareholdings in commercial banks.  Government should be out of the commercial banking business after divesting from the GCDB and closing its Agricultural Development Bank.

4.  Immediate action taken - legal or otherwise - to recover all outstanding loans due to SSHFC

5.   Bar Management from operating outside the Social Security and Housing Finance Act

6.  An oversight Committee needs to be established to ensure that SSHFC Management and Board are strictly adhering to the above until such time, and preferably at the end of the Commission of Inquiry's mandate and the submission of its Final Report and recommendations before remedial measures are taken to prevent this from ever happening again.

At the end of it all, the moral character of the person is as important as his competence and professionalism matters in such positions of responsibility.

Andrew Sylva comes to mind, who as Managing Director of SSHFC worked under Yaya Jammeh but refused to honor presidential directives that would have meant the inappropriate and illegal use of the finances of the corporation.  Mr. Sylva told his fiduciary responsibilities seriously and was dismissed as a result.  Jammeh initially refused him his pension dues only to reverse himself later.

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