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Out to Lunch

#OutToLunch: The 2025 money guide to survive Uganda’s high dependency ratios

By Denis Jjuuko The year has kicked off with graduations for thousands of students both at Makerere University and Muteesa I Royal University. Many other universities will be holding similar ceremonies throughout the year. Graduation is one of the major pathways to employment. These ceremonies come at a time when Uganda Bureau of Statistics has just released a report that indicates a high dependence ratio for Ugandan workers. Apparently, the dependency ratio for persons aged 14 to 64 years stands at 83.8 percent. This means that “for every 100 working persons, there were 84 dependents,” according to a media report quoting the study. That is such a huge number. Ugandan workers largely work for dependents and that isn’t about to change. The average pay for a Ugandan worker is a meagre Shs200,000 per a month. So how does one survive in such an environment? There are many things that one would have to do to be able to celebrate another New Year’s Day in one piece. Since the year has just started, here is a 2025 money guide. Hopefully, it helps. Donations – There are a lot of expectations and sometimes entitlement. Some parents and guardians and people who fall in that category will frequently quote the 10 commandments particularly the one on honoring them. You will be expected to look after them, to share some money with them. In the informal sector, they may even demand that they receive the salary on your behalf especially in cases where they helped you get the job. The religious people will quote the Bible for some 10 percent. Many people will expect you to donate something but remember you can only give what you have. But since we are a social lot, set a certain amount to donate every month and live by it. Save and invest – Since you can only give what you have, you will need to save but saving alone won’t do much. You need to invest. That way you may have what to donate or actually nothing much to give. You would have to set aside a standard amount of money whenever you receive an income so that it goes into this. Unlike in the past, there are now many options such as unit trusts and treasury bills and bonds among others that allow you to accumulate money that you may invest elsewhere with time or leave it to grow. If you don’t have the discipline to save, identify five or so friends who are honest and do it together. Bank standing orders may be another solution. Emergency fund – But when saving and investing, remember there will always be some emergencies. You may fall sick or somebody you care about might. An emergency fund helps you not call everyone for a bailout. You draw money outside your main savings and investment account to cater for this. By emergency fund, I don’t mean money to attend a brunch at some hotel on Sunday. Debt payments – One of the advantages of living in a country like Uganda is that debt is many times avoidable. Commercial banks hardly issue out credit cards for all sorts of things like food and clothing. If they do, it is to their high net worth customers, who are very few in Uganda. It is fairly easy to only eat what you can afford. And since many people who pretend to sell designer clothes import fake ones, there is no need to spend money on such. But fintechs have made it easy to borrow using your phone. Only borrow when you can’t avoid it and pay it back as soon as possible to avoid high interest rates over a very long period unless if you are paying for your home or investing in a business. A personal car is great but it doesn’t have to be so expensive. There are lots of broke people selling off their cars, buy from them instead of going to the “bond” in Nakawa or Kyambogo. Skillset improvement – The biggest way to improve your income is through skills. Employers are looking for people with particular skills, who are good or can become good at what they do. By just watching YouTube tutorials, there are lots of things one can learn depending on their chosen profession or career interest. Watch, learn, practice. Be innovative—not by necessarily creating new things rather finding different ways to do something. Date within your means – If you are a man living in Kampala and of average means, you will have to date within your means. Not somebody who wants to drink whiskey by the bottle in Kololo or Bugoloobi bars. Not somebody who is pressurizing you to buy a Subaru, rent a fancy apartment in Kyanja and fund her holiday (read photoshoot) in Dubai. If she is inviting 50 friends for her Kukyala, that is a red flag! The writer is a communication and visibility consultant. djjuuko@gmail.com

January 29, 2025

Out to Lunch

#OutToLunch: Saudi Arabia 2034 World Cup great opportunity for Ugandan workers

#OutToLunch: Saudi Arabia 2034 World Cup great opportunity for Ugandan workers By Denis Jjuuko On a recent flight to Entebbe, I met a sizeable number of travelers who were, by their conversations, Ugandans returning from some Middle Eastern countries where they are deployed as largely domestic workers. Many were returning home I think either for Christmas or their break after working for two years in the Arabian deserts. They were excited to be returning to their motherland. Before boarding in Doha where they were connecting from other parts of the Middle East, they called relatives who were to pick them once we landed at Entebbe. They spoke to each other very loudly. Their experiences, the type of bosses they had, who they wanted to see first once they are in Uganda, what they wanted to do and some who they wanted to fight etc. Unlike the flights from Entebbe to the Middle East, where female domestic workers dress in abayas that are of the same color and design, walk in line and politely as if they are about to receive the holy communion, this time they were on their own. There was no leader giving them instructions. The abayas had been replaced with skinny jeans, leggings and tank tops. Wigs or caps were now their preferred head gear. There was something about many of them. They didn’t have much regard to other passengers sharing the same boarding area spaces. I thought they were a little bit uncouth. But I was happy that they were returning home at least for their holidays and seeing their family after a few years away. Uganda, like many countries in Africa and even Asia, is a source of domestic workers for wealthy families in the Middle East. Uganda has a labour cooperation agreement with Saudi Arabia. However, the labour agreement talks largely of domestic workers. Most of the domestic workers don’t have much skills and are therefore not contributing much to Saudi Arabia or learning a lot of skills they can use on their return home. I actually wondered how many of those domestic workers returning home will be able to do something else? Especially in situations where they won’t be able to return to their previously jobs in the Middle East. The majority will become poor again given the stories we hear of how relatives fleece them of the little money they make. But there is a great opportunity in Saudi Arabia that the Uganda Ministry of Gender, Labour and Social Development must take advantage of. Saudi Arabia, one of the biggest destinations for Ugandan domestic workers, won the rights to host the 2034 edition of the FIFA World Cup. Saudi Arabia is going to outdo itself in organizing this event. Of the 15 stadiums required to host the soccer extravaganza, only four exist. They are going to build 11 mega stadiums. They will build hotels, expand the airports, railway and road infrastructure. There is going to be a lot of construction in all the major cities. Remember, the Saudis want to outdo Qatar that hosted the last world cup. They are also on a mission to take the limelight from Dubai which has seen unprecedented growth with their focus on building massive infrastructure projects that support tourism and business. Like Qatar, they will need workers to pull off their world cup dream. Skilled workers or those that can easily be skilled. First, workers will be needed at the construction sites. Engineers, masons, surveyors, accountants, welders, project managers and the lot that works on construction sites. Secondly, they will eventually need workers to manage the infrastructure. We have already seen this in Doha. At the airport, the most common languages among workers are Luganda and Swahili. In hotels, it is the same. But because we are not very strategic, many of our workers are supervised by Indians and Filipinos. How do we get our people from lowly to middle and high-level jobs? They will need to be skilled. Some of the domestic workers could be moved to work in hotels. They can start as room service attendants and those who become good at it, will eventually become supervisors and managers. That way they will learn specific highly needed skills that can be very helpful in our tourism and hospitable industry when they eventually get tired of working abroad. Some may even invest here in small bed and breakfasts or restaurants. Engineers we send will gain experience in doing mega infrastructure projects. Welders will gain specific skills that are so needed here. Some may become partners or build businesses in Saudi Arabia just like Jews and the Dutch did in New York. However, this won’t happen on its own. We must now lobby the Saudis to take on our people beyond domestic work. I understand that there is a lot of argument against youths being shipped out to work abroad but there is absolutely nothing wrong with migration. Everyone is a migrant. If the jobs are in Saudi Arabia, let Ugandans go. The Ministry of Gender should not miss this golden chance of Saudi Arabia hosting the world cup. They should turn their domestic labour agreement into a general labour agreement to support the 2034 world cup. That way, the conversations of workers at airport lobbies will eventually be different. Happy 2025. The writer is a communication and visibility consultant. djjuuko@gmail.com

January 9, 2025

Out to Lunch

#OutToLunch: Opportunities for young people in the forthcoming political season

#OutToLunch: Opportunities for young people in the forthcoming political season By Denis Jjuuko Just like that, we are in 2025. It was just the other day when politicians were all over the place, crisscrossing our beautiful country telling stories and endearing themselves to the voters. The season for political stories is here again. With general elections set for early 2026, those vying for various offices are already making alliances, breaking off some and ensuring they are in our faces. It is plausible that politics is one of the most paying jobs in Uganda and there are many positions to vie for. From parish level to the presidency. In between, the most clamored is the position of Member of Parliament followed by that of District Chairperson (LCV). Thousands of people will campaign for these positions. Because the monetary reward is allegedly huge, many candidates will not leave any stones unturned. They will spend the money leaving some on the verge of bankruptcy but for purposes of this article, that should not be ‘our’ problem. As a young person, perhaps without the resources to compete for political office, how do you benefit from this political season that comes once every five years? By positioning yourself for some of the opportunities that come with political campaigns. So let us look at some of the areas where young people could make some money from politicians. Graphic design – Every candidate will have to create a master artwork of their campaign. In Uganda, this largely means a portrait of a candidate with a few words like unity, peace, prosperity, development and all those things politicians say but don’t mean. You don’t need to be a super talented designer here. Just download Canva and start designing. The paid version will do wonders for you. It costs less than 400,000 a year. But the money is in printing. You could even offer to design for free as long as they give you the contract to print the posters, calendars, flyers etc. they will be displaying in every little trading centre. For those who have mega resources, you could also print for them the cheapest of t-shirts with the thinnest microns in their party colors. Photography – As faster affordable internet spreads across the country, many people have smartphones and are able to consume content online even in some of the remotest villages. Crowds at campaigns help sway public opinion about a candidate. But crowds at campaign rallies are only important for a politician if they are captured on camera. Photographs and videos are going to be important. You will need a drone camera to capture this content so it can feed the candidate’s social media channels. Social media manager/influencing – Many political candidates are old school and social media disturbs them. You can manage the social media channels of the candidates, curating content and manage the accounts. TikTok which may not have played a key role in 2021 is going to be critical in 2026. So, ability to create compelling videos will be necessary (learn how to use KineMaster, CapCut etc.). Candidates will want to be on TikTok alongside other platforms particularly X and Facebook especially for those in urban constituencies and at the national level. WhatsApp will be another one. Learn what you can do with it for your client. Sound system – Music plays a key role in political campaigns. Many times, political candidates have moved with musicians who work up the crowd before they appear. Some like President Museveni even did some rap song an election or two ago. You don’t necessarily have to be a musician to tap into this. You can own the sound system that the politicians are willing to hire from you. You could also be the link between musicians, dancers and all those people that entertain crowds at the rallies. Communication strategist – Some candidates especially in urban big constituencies and at the national level will need experts in communications to help them put their messages across, schedule media interviews and support the communication aspects of their campaigns. Many candidates especially those joining politics for the first time and not used to media interviews, coaching and preps will be required so that they don’t simply go and mess themselves up. The communication strategist will work hand in hand with the digital and social media team mentioned already. Research assistant – Those vying for the presidency will require some researchers on their team even though it is an important role for other candidates too. For example, a researcher would inform the campaign strategy team on the messaging in particular areas and finding information that empowers the candidate. They could manage polling to assess the candidate’s messaging, popularity and help the campaign make informed decisions. Lastly and most importantly, many politicians are known not to honor their word. Make sure you get some advance payment for the work being done. Wishing you a happy 2025. The writer is a communication and visibility consultant. djjuuko@gmail.com

January 9, 2025

Out to Lunch

#OutToLunch: Deputy Speaker’s Mangu Cash experience and the need for an open discussion on interest rates

#OutToLunch: Deputy Speaker’s Mangu Cash experience and the need for an open discussion on interest rates By Denis Jjuuko Somebody I know wanted to capitalize his business and decided to approach one of Uganda’s biggest commercial banks. When his business was booming, he had built some houses in Namugongo, not very far from the famous Uganda martyrs’ shrine. Four houses on about 15 decimals of land. The houses, each two bedrooms, two bathrooms, kitchen and dining rooms were occupied by tenants each paying Shs1m per a month, totaling a gross income of Shs4m per a month or Shs48m per a year. He was willing to stake it as collateral for the loan. The bank sent their prequalified asset valuer, one of those companies that manage Kampala’s elite malls. The moment he signed the form that authorized the bank to pay their valuer Shs3m for the exercise, they showed up promptly. Within a week or so, the bank called him and handed him the asset valuer’s report. The report indicated that an empty plot of land in the area of the same size was valued at Shs100m. But then something strange happened afterwards. The asset valuer said that the four houses were valued at Shs120m on the open market while putting the forced sale value at Shs80m. He protested the bank valuer’s report and asked if the bank could send another valuer who knows what they were doing. The bank said they trust their valuer with their life and there was no need to send another valuer. He wondered if in their own wisdom they really think the houses that gross Shs4m a month, Shs48m a year could really be worth 20m excluding the land and they said that is what the valuer’s report says. He walked out of the meeting protesting and cursing them for making him lose his Shs3m while enriching an incompetent valuer. He called it a scam. I am not sure it wasn’t. I wouldn’t have believed anything he said had he not turned up with a copy of the report for me to read. May be the bank didn’t want to lend him money or something. It just didn’t make sense. Anyway, two things happened a week or so ago that explain the predicament of Ugandans when it comes to credit. There is a new law that limits interest rates charged by informal money lenders at 2.8% per a month or 33.6% annually. Currently, money lenders charge as much as 12% per a month on loans advanced. Such money lenders include mobile money companies. The money lenders’ association chairman argued Uganda is a free economy and parliament should put such restrictions on money from government. Not on his private money whose source they don’t know. Many people after borrowing this money fail to pay. You have to be a money launderer or thief to borrow money at 10-12% per a month and be able to pay it back but people are desperate. And the money lenders are even more desperate to get their money back. One such desperate lender called the Deputy Speaker of Parliament on Thursday morning and threatened to teach him a lesson if somebody he knew didn’t pay. The Deputy Speaker said on his X social media handle that the caller identified herself as an employee of Mangu Cash, a mobile money lender that advances micro credits to millions of Ugandans via their mobile phones. The Mangu Cash lady said the borrower had listed the Deputy Speaker as his next of kin. He tagged the police chief to do his job and stop such people from harassing Ugandans. The next day, the Deputy Speaker posted about regulation and all sorts of things that he is going to do after realizing that this wasn’t an isolated incident. I don’t know how many times Mangu Cash and a few other such lenders have called me about people I don’t even regularly speak to about their obligations to pay back. I have been blocking whichever such number that calls me since I was never involved in the first place when they were advancing money. Many people have complained about their modus operandi. But I don’t think they are the problem. If regulated credit institutions were not taking clients into circles before lending them like they did to my Namugongo friend (he didn’t actually borrow), the likes of Mangu Cash would not exist. Their existence shows the gap that needs to be filled. If the Deputy Speaker is desirous of doing something about credit in Uganda, he needs to look at the whole picture and find ways through which credit can easily be affordable and accessible to the majority of Ugandans otherwise informal lenders will just go underground and make the situation worse than it already is. An economy where interest rates are as high as they are by even regulated lenders cannot spur sustainable growth The writer is a communication and visibility consultant. djjuuko@gmail.com

January 9, 2025

Out to Lunch

Lasting wealth is through hard work not placing bets

OutToLunch: Lasting wealth is through hard work not placing bets By Denis Jjuuko There is a young man who told me that he had come up with an innovative idea that may change the world but lacked funding to realize it. I told him that I didn’t work in the angel investment space but he was incessant that I listen to him. All that he needed, he argued, was about 30 minutes of my time. If I listen to him, maybe I could talk to some of my “rich” friends and they invest. I was reluctant but I could easily find the 30 minutes. Over time and perhaps through personal experiences, I have increasingly become skeptical of “innovations” and great “ideas.” Many such ideas are hard to pull off in a country like Uganda. Also, in the developed world, very few people come up with great ideas. Most entrepreneurs that succeed do what everyone is doing but a little bit better. However, I also didn’t want to spend the rest of my life regretting. He kept time. Since we are Africans, we asked each other about our respective families, the weather and what is actually “new that side.” The “new” thing on his side was the innovative idea that he had come up with. He said for some time, he has been studying sports betting. Almost every other English premier league football club is sponsored by a betting company. Every other advert on pay TV platforms is of sports betting or some form of betting. Every little nook around Kampala has some form of sports betting shop or another. Somebody told me that many young people have a betting app on their smartphones. Indeed, one day, I was walking behind some guards returning from their night duty. I eavesdropped on their conversation. They were talking about a football match that had taken place in Kazakhstan. Of all places. They had placed some bets on the outcome of match in a league in Kazakhstan! I understood why the young man wanted to pitch his ideas even to people who may not have any capacity to raise any money. Anyway, the young man said that he had spent the last few years involved in sports betting and he thinks he can generate a lot of money. I became attentive, writing down questions at the back of my mind to ask him once he finished his presentation. Eventually, it became clear that he wasn’t looking for money to invest in a sports betting company. His innovative idea was that he had studied the formula of beating the sports betting companies! Wow! He said if he got money and placed his bets strategically, he would be able to beat them and win. He explained how he thought the betting companies work and what one needs to do to beat them. I don’t remember the exact formula he explained but I doubted whether one could beat these companies. I told him that he stood a better chance if he started a betting company instead but he said that is not the best way to make money. Why invest in that when you have realized the formula to beat the “muyindi”? Muyindi in betting language refers to the sports betting companies. I could tell that he was very disappointed that I couldn’t invest or refer him to my so-called “rich” friends and that I didn’t see how his idea would make “us” extremely wealthy. The last time I heard about him, the stories involved police, court and Luzira Prison. Anyway, somebody recently claimed that there are some young people whose job is sports betting. Apparently, one is more likely to become wealthy through it than a regular normal job. My argument was that unless you own the sports betting platform, you can’t be placing bets and expecting to become wealthy. Wealth is through selling goods or services. Gambling has never been known to create lasting wealth for a gambler. How do we stop young people from spending all their time placing bets? We must create sustainable jobs for them while informing them that overnight success only happens in movies. In real life, people sell something in exchange for money. They don’t just place bets on who will score in which minute of a soccer match. The writer is a communication and visibility consultant. djjuuko@gmail.com

December 5, 2024

Education

Platform Economy Growth in Uganda: Tackling Gender Gaps and Improving Conditions for Young Workers

Platform Economy Growth in Uganda: Tackling Gender Gaps and Improving Conditions for Young Workers The International Labour Organization (ILO), in partnership with the Ministry of Gender, Labour and Social Development, has released an important report highlighting the challenges and opportunities in Uganda’s Platform Economy. Titled “Platform Work in Uganda: Promoting Decent Work for All,” the study, conducted in collaboration with Makerere University, surveyed 647 platform workers across sectors including taxi services, delivery, online freelancing, and e-commerce to understand the landscape of digital labour platforms in Uganda. The report identifies key opportunities, challenges, and gaps in current policies. During the report launch on Wednesday, November 20, 2024, at the Four Points by Sheraton Hotel in Kampala, Raymond Wasukira, Senior Labour Officer, who represented the Permanent Secretary of the the Ministry of Gender, Labour and Social Development (MGLSD) stated that “the findings of this report will guide us in addressing the gaps in Uganda’s platform economy to ensure that workers benefit from decent and equitable opportunities.” He added that collaboration between government, platforms, and stakeholders is key to achieving this goal. Evans Lwanga, the Chief Technical Adviser for ILO PROSPECTS Uganda, echoed similar sentiments. “This report highlights the need for urgent policy interventions to ensure platform workers in Uganda are not left behind in the digital economy,” he said. Key Findings The report highlights that digital labour platforms have seen consistent growth since 2015, with 18 local and international platforms currently in operation. Although location-based services such as Uber, Bolt, SafeBoda, and Jumia are gaining popularity, the report indicates limited adoption of online freelance platforms due to the digital divide. The report further reveals that that platform workers are predominantly young (ages 28-32) and well-educated, even in traditionally low-skilled sectors. While freelancers earn higher hourly wages compared to conventional workers, significant income insecurity remains, the report notes. Additionally, earnings among platform workers vary considerably by sector and gender, with women earning less than men. A significant gender gap exists within freelance work, with men earning an average of 16,472 shillings (US$4.4) per hour for total work compared with 11,075 shillings (US$3) for women. Women earn almost 35% less than men, and this could partly be due to the occupational segregation of tasks as women are disproportionately concentrated in lower-paying fields like writing and administrative support, while men dominate in tasks such as IT and data analysis. The report notes that while the majority of men (86%) believed that they received fair compensation for their online work, only 57% of women reported the same. This aligns with the findings that men tend to earn more, underscoring a significant pay gap between genders. Long working hours are alarmingly prevalent, with taxi drivers and delivery workers working an average of 75–79 hours per week. The demanding and often unpredictable nature of platform work takes a toll on workers’ well-being, as they are often stressed. According to the report, freelancers work an average of 46 hours per week, with women working slightly more (50 hours) than men (45 hours). However, a significant portion of this time (10 hours) is unpaid, dedicated to activities like searching for tasks (67%), researching clients (38%), unpaid self-study (38%), client communication (29%) and profile-building (24%). The survey findings reveal that the majority of workers transitioned to platform work from other jobs. This is primarily due to a lack of available jobs or a desire for better income and skill development opportunities. This transition from previous jobs is evident in the taxi (81%), and delivery (77%), with a smaller but still significant proportion in online freelancing (43%). While one-third of these workers in the taxi and delivery sectors previously worked in related fields, the remainder transitioned from different sectors. Freelancers typically came from salaried positions in various fields. About 58% of the sellers transitioned to the e-commerce marketplace and social media platforms from other jobs and one-third of them worked in related fields. The challenges outlined in the report include, a lack of social protection for many workers, such as health insurance and pensions, and the prevalence of algorithmic management practices, which restricts workers autonomy and increases stress. Common issues also include account deactivations and unpaid tasks that has an impact on their earnings and livelihoods. Despite the informal support available through social media, there is minimal organised advocacy for worker rights, indicating a need for greater collective action and unionization. Recommendations To ensure decent work conditions for platform workers, the report recommends several policy reforms. Establishing clear legal frameworks to classify workers and define employer responsibilities, guaranteeing the right to organize and engage in collective bargaining, and introducing tailored social security mechanisms for platform work. Addressing occupational safety and health (OSH) risks specific to platforms and enhancing data protection and ensuring transparency in algorithmic processes are the other key recommendations. As Uganda’s digital economy continues to grow, this report accentuates the urgency of implementing fair and inclusive policies. These findings are timely as the ILO gears up for deliberations on promoting decent work within the platform economy during the upcoming 2025 and 2026 International Labor Conferences. About the ILO The International Labour Organization is a UN agency uniting governments, employers, and workers from 187 member states to promote decent work globally. The ILO in Uganda is actively implementing initiatives to harness the potential of the digital economy in creating job opportunities for youth. These efforts focus on developing digital skills and facilitating job matching within the gig economy, including in refugee settlements. Other key activities include awareness-raising training on labour laws in collaboration with Uganda’s workers union apex body, National Organization of Trade Unions (NOTU) and the launch of a new Community of Practice initiative led by the Federation of Uganda Employers, aimed at fostering collaboration and compliance with decent work principles in the digital economy.

December 3, 2024

Out to Lunch

#OutToLunch: Beyond Acacia Mall: Why holiday making children should acquire some practical skills

By Denis Jjuuko A big segment of Uganda’s population that one could describe as middle class today grew up in average income families and in rural areas. Their parents were keen to send them to fairly good primary and secondary schools. Many were enrolled into several institutions of higher learning that were located across the country. Makerere was the only university at the time. If one didn’t make it there, they joined other institutions like the colleges of commerce, teacher training schools, nursing schools and a host of other technical institutions. During holidays, many of these children worked for their next academic term’s school fees and other requirements. Holiday time meant working in the coffee gardens or in the courtyard drying and storing coffee or on any activities available on the farm. Computer games and 24-hour a day TV programing were non-existent. Many kids knew that working hard was the only way to make it in life. It still is for most kids not lucky enough to be born with gilded spoons in their mouths. However, as Uganda continues to urbanize at a relatively high rate, many kids in urban homes wake up to watch TV, play computer games and pick carbonated soft drinks from the fridge and hang around the walkway rails of Acacia Mall. In some of the high-end schools where kids go, there is every little service at a fee that you may think of. People who wash the clothes or washing machines were a fee is paid is now common. This may not be necessarily new. Students from poorer family backgrounds used to wash clothes for those from richer families but it wasn’t as institutionalized as it is increasingly becoming today. Of course, technology, for those who can afford it, should make life better and one may wonder why children should wash their clothes when there is a washing machine but the issue is that many children are growing up being pampered and not be prepared to take on the world. As many children start their holidays having finished national and end of term examinations, parents should enroll them into some programs where they could learn a skill or two. There are many safe online programs that urban kids with access to internet and computers can learn. All what parents and guardians need to do is to find them and recommend them to the children. Kids could learn to code, use AI, develop apps or storytelling. Many businesses including those of the parents need apps that would enable them provide a better experience or service. Imagine a parent who owns a car repair garage, a mobile app may enable customers to get updates in real time of the repairs being performed or when the next service or insurance is due. A customer may be reminded that their driver’s license is about to expire and therefore should plan on renewal. The customer would be happy to deal with such a garage. But the child could also fully work in the garage alongside the parent instead of staying at home to watch TV, sleep, eat and do it again for 60-90 days of the holiday or vacation. Parents and guardians must avoid the notion that children working especially in jobs that may be considered ‘dirty’ is making the children suffer. Children should not have any feeling that working on the farm is suffering either. They should look at it as skilling or apprenticeship. In fact, in many parts of Africa, ‘dirty’ jobs are going to be more available than office jobs or cool ones like developing apps (even when I recommend it as one of the skills that kids must learn). Such jobs still exist in developed countries. Who wouldn’t need food or clothing? As Uganda and the rest of the continent continue to urbanize and send a significant number of their populations into the middle class, ‘dirty’ jobs will increasingly become more available and profitable. For example, many people wouldn’t be able to work on their compounds, and they will require the services of a gardener to keep their lawns neat. A child that is trained to look after their parent or guardian’s garden will eventually benefit from acquiring such skills. The child would of course need to get some marketing skills and start hitting the inboxes of their parent’s friends’ phones for similar work. Not before long, that child would be a small business owner with recurring predictable revenue. The writer is a communication and visibility consultant. djjuuko@gmail.com For learning storytelling skills, log onto www.storytellingafrica.com. All courses are online and are for free.

November 21, 2024

Out to Lunch

#OutToLunch: Rationalization without efficiency is an exercise in futility

OutToLunch: Rationalization without efficiency is an exercise in futility By Denis Jjuuko The rationalization of some of the government agencies back into their parent ministries has been the talk of town of the last few weeks with the Uganda Coffee Development Authority (UCDA) carrying the day. See, coffee is the lifeblood of more than two million households in the country. The government has said that that agencies being rationalized are inefficient and incompetent cost centers that bleed the national treasury doing the same work the ministries could do. That duplication is their other silent name. There seems to be no middle ground for those who propose rationalization and the same could be said of those who oppose it. But if efficiency is what government hopes to achieve through rationalization, there is a long way ahead. The work isn’t insurmountable but there is a lot that will have to be done. I think the first one is the issue of payment. We are told that staff of agencies were earning several times their colleagues in the ministries. That could be true. I sometimes see some of the CEOs of the agencies being driven around in powerful SUVs with lead or back up cars and police in black uniforms opening their doors or carrying their handbags. Somebody said that public servants in the ministries were jealousy of the executives in agencies. Maybe they were. If payment is such an issue, there is need to ensure that civil servants are paid salaries equivalent to what they would earn in the private sector and then put in place the same tough requirements in place. Regular assessments should be done and those that fail to meet them should be let go. Performance contracts should replace the method known as permanent and pensionable jobs because if anyone knows that they are assured of their job for life regardless of performance, they will do whatever they want. Performance contracts will end the culture in some government offices where people arrive in the morning, place their jacket on the back of their swivel chairs or place a second pair of their eye glasses on the desk to give the impression that they are around the building whereas they are not. Civil servants that work a few hours a day and enjoy a four-day working week should also be dealt with. Service delivery shouldn’t be just a topic of discussion in seminars and newspaper columns. It must be practiced and lived. That would require that officers are given a certain number of days to have a file in their office before they send it to the next person. Technology is available where each folder or file that goes to somebody’s office is tracked to know how long it has remained in that particular office and then asked why the file is still on their desk. That level of tracking would also reduce on the number of missing files in government offices. Efficiency would ensure that no officer has hundreds of files on their desks for months or even years or unopened emails. So free gmail and yahoo emails should be replaced with official ones that can be tracked. Time management is critical if government is to be efficient. Meetings must start and end on time. There is no reason to give somebody an appointment of 10.00am and make them wait up to 3.00pm and then inform them that you wouldn’t be able to see them or that you didn’t even come to the office. There is no reason why government should take two years to procure a contractor for an infrastructural project like a road or electricity dam and then the contractor takes years to start working and a decade to complete a project that could be done in nine months. Payments to contractors shouldn’t take the same process it would require one to go to heaven! One of the reasons we are so poor is our lack of investments in key social services like education, health and transport. Many Ugandan civil servants have to send their kids in expensive schools and then abroad for university, do annual medical checkups in India, Kenya or Turkey yet they don’t earn well enough to afford them. That leads to corruption. Because of lack of public transport, government officials must have vehicles which are expensive to buy and maintain yet they should be driving their own. Rationalization without being efficient will not improve service delivery and drive the country out of poverty. The writer is a communication and visibility consultant. djjuuko@gmail.com

November 15, 2024

Out to Lunch

#OutToLunch: Group savings could help young people become homeowners

By Denis Jjuuko For most people, owning a home is the ultimate dream. It is a key component of what constitutes the American dream. In many parts of Africa, a boy only becomes a man if they owned a house. At kwanjula (betrothment) events, you hear spokespersons of the groom to be bragging that the man who is intending to marry already owns a house, when they are mentioning his home address to which the congregation claps incessantly in wonder. It confirms, somewhat, the potential of the man to look after the bride. But like we heard recently as the country marked the World Habitat Day, housing in Uganda is increasingly becoming a pipe dream for the majority of Ugandans. Apparently, 76% of the population won’t be able to afford to build or own a decent home. That is such a huge number. The cost of land and building materials are way too out of reach for the majority of Ugandans. That shouldn’t be very nice for any government to hear. Home ownership is a cornerstone of stability. The biggest asset the majority of people will ever own is a home. And once they own a home, it means that they have a big stake in their country. They will do whatever it means to protect their biggest asset. So, they won’t be involved in burning down a street on which they own a home. There is a lot government can do to ensure that this happens. Ensuring people have sustainable jobs, affordable mortgage rates, social security linked to home ownership, tax deductions on building materials etc. However, sometimes, the government may not do all those things. They may leave individuals to do it on their own. So how can people, especially those that banks may not describe as “high net worth”, be able to afford a decent house? Home ownership in Uganda, at least for the majority, starts with the ability to own land. Land that is affordable is usually far from urban centres without any utilities such as water and electricity. For many young people, living in such an area can be scary so they end up postponing to buy land. By the time they have raised some money to buy land in a place that they consider livable, they are taken to the same place which was extremely rural a few years ago but it is now unaffordable to them. The places they can afford are again so rural. However, they now have school going children which means less money at their disposal. Before they know it, it is retirement time and no house. They now hope that their children would be able to look after them. The poverty cycle continues. How can young people afford to build and own homes affordably? At least those who earn a regular income? They will need to come together either as friends or relatives and save money together consistently for some time. They don’t have to be so many, a maximum of about eight people. When they are too many, so many interests will come up and they may lose focus. They can consistently save money for about 3 years. If each of them saves Shs50,000 per a month, it means that that they will have Shs4.8m by the end of the first year. If they invest this money in a unit trust at about 12% annually, they will have an extra Shs576,000 after one year of investing it. If they invest Shs400,000 every month after their initial investment of Shs4.8m, at the end of the 3-year saving cycle, they will have at least Shs16,197,120 according to an online compound interest calculator. That is why compound interest is sometimes called the 8th wonder of the world. With Shs16.1m, the group of eight can now look for an acre of land to buy at about 15m, which they can now divide among themselves. If eight of you decide to buy land in an area you consider rural, you won’t be scared of living there because you will have the security of your neighbours. Anyaway, each member should be able to get a 50x100ft plot in a well organised estate. With the Shs1.1m balance, they can now employ the services of an architect to design eight houses for them. The houses should look exactly the same and should be of the same size. They should not be fancy storied houses that are too expensive to build. Simple would do it. The dream is to own a home, not a Hollwood-esque home! In the design, there are things they can share, such as septic tanks and a perimeter wall but that can come in later. Now that they are good at saving and investing, they can double their monthly savings to Shs100,000. If they invest Shs9.6m and continue investing Shs800,000 per a month at 12% annually, they would have Shs32,394,240 by the end of 3 years. Depending on the design they choose and materials they use, they could now be able to build a house or two for every member every 3 years. In 12-24 years, each of those members will be able to own a decent mortgage free house. The writer is a communication and visibility consult. djjuuko@gmail.com

November 7, 2024

Out to Lunch

#OutToLunch: Scarcity of adult diapers exposes the need for research before imposition of taxes

By Denis Jjuuko If you take care of an elderly person in Uganda today, there are many challenges that you face. You may have to quit your job to look after an elderly person and there is no pay for that or you may have to get the services of a live-in nurse. Both options are expensive and almost out of reach for the majority of people. So the elderly who usually don’t have sufficient sources of income live lives devoid of dignity, many sometimes scavenging for meals and other things that they need in their lives. The politicians who claim to represent the citizens are largely out of touch. The example of the diapers the elderly require to live decent lives is a case in point. Last year, Parliament approved taxes on diapers. The Members of Parliament voted with unprecedented euphoria with many arguing that they were doing so to stop homosexuals from using them. There was no data presented to prove that the majority of adult diapers were being used by homosexuals. But nothing unites politicians in Uganda than homosexuality! Anyone who argued otherwise was labelled a supporter of homosexuality or to having been paid by the “imperialists” in western capitals to corrupt the mind of Ugandans. If you are in care today of an elderly person today, you would have noticed that you are spending a lot of time moving from one shop in Kikuubo to another in search of adult diapers. With increment in taxes, the traders who were stocking them have moved on to more profitable products or closed their businesses all together. Those who bring them increased the costs to cater for the increased taxes but they are also bringing in smaller sizes and somewhat inferior qualities than before the taxes were slapped on them. Those who haven’t moved on, are doing what they are doing to keep their businesses open. Who would blame them? A diaper a size too small is not only uncomfortable, it is also said to lead to bed sores. If you have ever looked after a sick person, bed sores are some of the most painful and stubborn things to treat. Caregivers want to do anything in the world to avoid them but small size diapers the elderly are using today are going to creating a massive healthcare problem. And to make it worse, the traders aren’t bringing in enough quantities. Today, diapers for the elderly are for booking by paying in advance and you can’t be certain when they will bring them in. For some traders, they don’t even allow you to book a lot so that everyone gets some. Of course, the war in the Middle East may also be responsible for delayed shipping of containers but the major reasons Kikuubo traders attribute to the scarcity of adult diapers is the increment in taxes. Who ever knew that because of our lack of research before we increase taxes, the elderly who are lucky enough to afford pampers will have to use ones that are rationed? But that is where we are. Today, those who take care of the elderly are spending more money on shoes as they develop holes in the soles as they look for pampers instead of looking for money to buy them and pay for fees for medical consultancy and prescribed drugs. I think parliament has the power to correct the mistake they made when they argued that adult pampers were promoting homosexuality because some of them realized their mistakes. I remember seeing a clip where a Member of Parliament after failing to secure diapers for her mother admitted to having voted to pass the adult diaper law in error. Since to err is human, we shouldn’t blame the MPs when they admit their mistake and go ahead and correct them. Because that is the right thing to do. But also, such glaring mistakes are avoidable by parliament and all arms of government by being informed by data instead of emotions before making key decisions. It should not be so difficult for the research arm of parliament to find out who buys more adult diapers and for what purpose. The ministries of finance, gender, and health should have this information too. But the right thing to ensure the elderly live with dignity is to remove the increased taxes on diapers while also supporting local manufacturers to make them here. The writer is a communication and visibility consultant. djjuuko@gmail.com

November 7, 2024

Out to Lunch

#OutToLunch: Resilient coffee farmers will make money regardless of UCDA fate

By Denis Jjuuko Whether on coffee tables, bar tables, parliamentary tables, or presidential tables, the talk has been about coffee following the contentious coffee bill that seeks to amend the National Coffee Act 2021. The main tenet in the bill is the proposed dissolution of the Uganda Coffee Development Authority (UCDA). Depending on who you listen to, UCDA is either angelic, demonic or a combination of both. Maybe the debate wouldn’t even have reached its current crescendo had the Speaker of Parliament not caught on a live mic urging her colleagues to do something about the Baganda. Whatever, she meant, the Baganda seemed to be the target. You see, 50% of the coffee grown in Uganda is from Buganda, a source of livelihoods for almost every household in the region. Many kids in Buganda go to school because of the incomes derived from coffee by their parents and guardians. Coffee and of recent, enjoys a demigod status among the people of Buganda. It hasn’t been like that though for the last few years. Many people in Buganda had given up on growing coffee until about 2016 when the kingdom started its famous Emmwanyi Terimba (coffee is profitable) campaign reminding people of the good old days of Mmwanyi Zabaala (another variant of coffee is profitable). Mmwanyi Zabaala was usually a reference to the powerful Bantam motorcycles that people in areas like Masaka massively bought as a result of profits from coffee especially in the 1960s, 1970s and 1980s. Farming is usually not for the fainthearted and prices can significantly fluctuate especially for a product that is largely exported. Prices are many times determined on global markets. Weather changes in Brazil, Colombia or Vietnam, for example, can have a significant impact on Uganda’s coffee. And domestic demands in those larger producer markets can also have impact. Speculators on the futures markets in the global financial capitals can also have an impact. But also, people can simply give up on something by losing hope. Leadership is usually required to restore hope, reminding people that those who “lose a loved one, don’t sleep by the graveside.” Once people are inspired to realize that not every light at the end of the tunnel is of an oncoming train, they could easily wake up and do something for themselves. That is what happened in Buganda circa 2016. With inspiration from the leadership in Buganda, people in the region started growing coffee again. Seeing the uptake in the crop, UCDA sought for a partnership to work together. The end result had been increased exports and increased incomes for the people in the region and indeed elsewhere. A coffee tree lasts about 45 years. So those who had abandoned their trees didn’t all have to plant new ones. Many just did stumping, allowing the coffee to sprout and flourish again. Others planted new ones. Within 2-4 years, they were making money again. I remember a trip to Bukomansimbi about four years ago where I met a man who had been a boda boda rider in Kampala and had decided to return to the village. He had revived his coffee garden and had managed to build himself a decent house and rentals somewhere in Kyengera, just outside Kampala. He regrated the years he had spent in Kampala riding a boda boda and before it, working as a taxi conductor. That was well before the average coffee prices of around Shs13,000 per a kilo of fair average quality. With the prices being offered today, there is real income in the pockets of ordinary Ugandans. And not just ordinary Ugandans, the country’s is benefiting as well as income from coffee exports are topping USD210m per a month. Regardless of what the government of Uganda does, coffee will remain a highly demanded crop across the world. The biggest consumers of coffee in the world don’t grow it and they are not about to give it up. They will continue to demand for it. The traders and the entire value chain is not about to give up coffee. Since the demand is assured, those who are growing coffee should not return to the previous years of feeling pity for themselves. They should instead increase the acreage those who can, look after their coffee trees well and do whatever is necessary to increase production of quality beans. Those that won’t give up, regardless of the prices or scrapping of UCDA would still be better than a farmer that don’t have anything to sell. The writer is a communication and visibility consultant. djjuuko@gmail.com

November 7, 2024

Out to Lunch

#OutToLunch: Incentives could further switch on West Nile for investment

#OutToLunch: Incentives could further switch on West Nile for investment By Denis Jjuuko On my first visit to Arua in West Nile, many years ago, my colleagues and I decided to unwind by visiting a nightclub or something similar to it. We were young and free. We had made the long trip from Kampala, rested a bit and decided to indulge in the night, enjoy some Lingala and whatever a bustling border town has got to offer. I had seen a huge electricity generator station by the roadside, a few minutes to Arua town but hadn’t paid much attention to it. I had also not done much research about the city’s night life. It was one of those days you jump into a car, drive to a town, get some accommodation and you are ready to go. A journey to discover the unknown. Some people call it adventure. In the nightclub, I noticed something strange. As a self-confessed nocturnal at the time, I had been a ‘happening’ boy by some lousy standards. I had also worked in journalism and the entertainment sector had been part of my beat. At university, I had enjoyed the exuberance of youth through clubbing. Nightclubs, therefore, were not strange to me. In Arua, at that nightclub, everyone had a torch. If you are considered old in Uganda, you remember the silver metallic ones with a red button on the side. Those were for the sophisticated ones. Those who lacked means had plastic ones. The only revelers who didn’t have either a plastic or silver metallic torch, were my colleagues and I. The majority of the people pulling all dance strokes on Lingala music were partly ‘giving us the eye.’ Like in most places, you could tell that people realize you are a foreigner. You don’t understand the rules. I became more cautious and decided not to indulge much and be more of a casual observer, with one eye on the exit door. Sooner than later, I realized why everyone who knew Arua well had a torch. At the peak of people’s enjoyment, electricity was switched off. The entire town went dark and quieter than a cemetery! Again, if you are considered old in Uganda, loadshedding is not something new to you. Electricity was always shared. If you had power today, you didn’t have it tomorrow. Rationing. But loadshedding in most parts of Uganda at the time meant power was switched off in the early evening around 6.00pm and switched back on around 10.00pm. In Arua, power was being switched off after 10.00pm. Strange loadshedding. Once power went off, the nightclub didn’t have a generator powerful enough to enable the rotating multicolor disco lights to be switched on. The nightclub’s standby generator was only big enough to power the sound system. That is why the revelers had torches. They switched them on. Some pressed the red button on the switches which made the torches provide a blinkering light. Others tied them on their waists. As they pulled those rare dancing strokes that are synonymous with Congolese across the border, they provided a spectacular experience akin to that of customized dazzling disco lights. What a spectacle! The ingenuity of the West Nilers. I have made hundreds of trips to Arua since that night and definitely power had become a bit reliable. But it is only the other week that West Nile was switched to the national electricity grid. It is a remarkable achievement or a shame that it has taken this long depending on how you look at it. The region has unbelievable potential given its location at the borders of both the Democratic Republic of Congo (DRC) and South Sudan, some of Uganda’s biggest trading partners. Both countries are expansive and a big chunk of their populations rely on cities like Arua as the source of their goods and services. I learnt that some of those guys who were rivaling Congolese dancers in that nightclub were actually Congolese who cross the border to enjoy life. Anyway, both countries also suffer regular insecurity which means investors will always keep away apart from those exploiting the countries’ massive natural resources. But the investors could not set up businesses such as factories in Arua, to supply West Nile, DRC and South Sudan and beyond. They would rather set up in Kampala or Jinja where electricity was not such a big challenge. Yet if they set up in West Nile, they would be nearer to the market. Lack of electricity was always the challenge. Now that the problem is sorted, West Nile’s potential should now be fully exploited. West Nile is also very diverse with many different cultures, which can be a bedrock for non-animalized tourism. Even the alleged world’s smallest church is in West Nile! Nang Nang, perhaps the world’s tastiest fish is available in basketfuls. The River Nile cuts through the region, providing near perfect locations for riverside resorts and water sports. Land is still relatively affordable and fertile and some of the major towns are being connected by bituminous standard roads. Small planes can land in Arua. For those who love animals, Murchison National Park is partly in the region. Affordable trainable labour is in abundance. Electricity also means companies like Kiira Motors can now set up shop for electric buses. Or investors can think of electric vehicle chargers. An electric bus trip from Kampala to Arua would cut the cost by more than 50%. Major urban centres like Arua being border towns have populations with some bit of disposable income. But investors will need to be mobilized and incentivized so that they can set up shop. For those responsible for the country’s development, their work is now well cut out. Those selling torches, if they still existed, will have to pivot. The writer is a communication and visibility consultant. djjuuko@gmail.com

October 21, 2024