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Education

#OutToLunch: Graduates may have to consider dirty jobs

By Denis Jjuuko In many of Kampala’s restaurants and hotels the other week, you could not fail to notice some happy people enjoying meals, taking photos and celebrating their achievements. The older people in the groups seemed happier. They had done their job. Their children had finally made it having graduated from Makerere University, the country’s premier higher institution of learning. It is one of the happiest moments for the majority of Ugandan parents having paid tuition fees and such other things for at least 20 years. Graduation also marks a passage to adulthood. From dependency to parents and guardians to becoming a benefactor to sometimes the parents themselves or even the siblings of the person who has graduated. Usually, the parents and aunties start even asking whether you found somebody at university. Grandchildren are now on their minds. In that moment, nobody realizes that the country, according to some reports, creates only a few thousand jobs a year. Makerere alone sees more than 12,000 students graduate annually. In the early years of Uganda’s independence, graduation meant a good job that came with a house in “staff quarters” or “Kizungu”, ability to buy a car and pencil your name in the annals of Uganda’s middle or even upper class. It is a bit different this time. Jobs of whatever nature are really scarce to find yet our university education focuses largely on what people call white collar jobs — the kind of jobs where people wear nice suits, sit in swivel chairs and work on a computer and call it a day at 5.00pm. Formal education creates these expectations which have come to be a bit unrealistic. That is why thousands of people apply for a single job in Uganda. There is a mismatch between education and the job market. There is a need for these two to talk to each other so that we educate people who can find the jobs that could be created today. There of course will always be formal jobs because some people will retire but we are also a very young country, which means we will see more people staying on jobs longer than ever especially those who adapt to emerging technologies. Artificial intelligence will continue to disrupt the workforce leading to redundancy like we have seen with tech behemoths in America laying off people. The beauty with technology though is that other jobs will be created. Those who will survive will be those who can adapt to new ways of working. As Makerere was carrying out its week-long graduation ceremony, Facebook was celebrating 20 years of its founding. In a post by Mark Zuckerberg, the Facebook (now under Meta) CEO and founder, to celebrate the occasion, talked about artificial intelligence and the metaverse and the role they will play in future. He said his platforms (WhatsApp, Instagram, Messenger and Facebook) are used by more than three billion people at least once a day. What that means is that today’s graduate is most likely going to use these platforms to do their job. Of course, we can argue that you don’t need a degree to learn to use these platforms but how can we take advantage of them? They offer great marketing possibilities at almost no cost. Many young people are today earning money as influencers and content creators. Small and Medium Enterprises (SMEs) without large marketing budgets are taking advantage of these platforms. It is a shame that Facebook is banned in Uganda. It is a business enabler. Many business owners in the informal sector don’t know how to fully use these platforms for business purposes and university graduates could utilize them and support these SMEs. Large companies are already doing this, which means small businesses should do so too. Such graduates who take advantage of this must continue learning as the technology evolves. If they thought learning has ended with their degrees, they would be deceiving themselves. Even though we love talking about technology and the possibilities, we should never forget that a lot of work and opportunities are in jobs some people refer to as dirty. Jobs where you use your hands to work in sometimes places that may not have swivel chairs and air conditioning. For example, in many areas, there are lots of residential buildings coming up. Just outside my office, a building with perhaps 100 condominium apartments has just opened up. Lots of people have moved in since the beginning of the year. At least for now, artificial intelligence won’t clean it or do errands for the occupants. Yet imagine if one did errands for about 30% of the apartments every week, they would be able to earn a decent income. Or they need is being efficient and professional and use tech platforms to get ahead. The writer is a communication and visibility consultant. djjuuko@gmail.com

February 19, 2024

Out to Lunch

#OutToLunch: Investment ideas to fulfill your 2024 resolutions

By Denis Jjuuko This week sees the end of the festive holiday period almost for every organisation especially those in the private and development sectors. Like every new year, many people come up with resolutions, committing themselves to what they would like to achieve. For many, making more money tops the list. Money, makes the world go round or so we are told. If making money is one of your resolutions, here are some ideas: Trading in FMCGs: There is a saying that cashflow is king. If you want to make money in 2024, you may have to look at businesses with a lot of cashflow. Trading is one such business. You can buy stuff in the morning and have them sold by the evening. This is common in the sector known as fast moving consumer goods or FMCGs. Almost everybody or household uses them every single day. Such goods may include sugar, soap, cooking oil, wheat, bread, and packaged drinks (soda, water, beer, juices etc.). Fuel (petrol and diesel) are considered as FMCGs too. There are so many other goods in this category just like you see in the supermarket or retail shop near you. Because they are highly consumable, they provide good returns to those who trade in them. The margins per item is small but the secret here is in the volumes. Traders earn about Shs500 or so per a carton of soda or bottled water but the numbers they can sell a day can be huge. A small trader doing just 1,000 cartons a day would be able to earn a gross income of half a million shillings. In a six-day week, that would be Shs3m or approximately Shs12m a month. Treasury bonds and bills/unit trusts: There is an increasing interest in treasury bonds and bills as well as unit trusts. Unlike trading, these are hustle free investment options. You simply walk into your commercial bank with a minimum of Shs100,000 and start investing in bonds and bills. Insurance companies and investment companies regulated by the Uganda Capital Markets Authority offer unit trust investment opportunities some of as little as Shs10,000. Bonds, bills and unit trusts offer returns of about 10% annually. If passive income is your thing, this is where to invest. If you reinvest the interest, in a few years, you can significantly see huge returns due to the power of compound interest. Real estate: There are some people who are running away from real estate especially rentals to invest in the hustle free treasury bonds and bills and unit trusts, which means there is a gap that is increasing in real estate rentals especially for the lower and middle income categories. Already, statistics from Habitat for Humanity Uganda indicate that the country’s housing deficit stands at 2.4 million housing units. As Uganda continues to urbanize, there will be an increasing demand for houses for especially young people who are doing their first or second jobs. Houses that are affordable for the lower and middle income earners will continue to be in demand for years. The investment here is also not so high and can be done incrementally over a long period of time. Besides rentals for this population segment, land banking and selling and buying are still other income generation and saving options. Motor vehicle spare parts: If you live and work in the greater Kampala metropolitan area, you know the state of the roads in the country. Each vehicle you see on the road is a potential client. Given the state of the roads, car breakdowns are going to be the norm rather than the exception. The lack of an efficient public transport system and the culture of owning a motor vehicle considered as a yardstick of success will see an ever-increasing number of vehicles on the road. Most of these vehicles come in old from Japan and the state of the roads will ensure frequent breakdowns. Roads take time to be built even when money is available, making investing in motor vehicle spare parts a worthwhile venture. Electric mobility: A trending photo this week was of Tesla car being offloaded from a car carrier somewhere in Uganda. Teslas are fully electric vehicles. Many development partners and blue-chip companies have started electrifying their fleets. This is a result of URA removing import duty on electric and hybrid vehicles this financial year. Kiira Motors’s vehicle plant is nearing completion with the installation of the assembly lines, paint shops and testing facilities ongoing in Jinja. But we don’t have enough mechanics and technical people to maintain these electric vehicles. We don’t even have enough well-trained electric bus drivers. The electric mobility value chain has great potential for those looking for investment opportunities this year. Personal health: Apart from making money, many people resolve to do something about their health every new year. They perhaps understand that you can only make money if you are alive and healthy. Personal health is already an industry worth of billions of dollars globally. As the country urbanizes and a few people get out of poverty, they will always be willing to spend on their personal health making it an area with potential returns for investors. The writer is a communication and visibility consultant. djjuuko@gmail.com

February 5, 2024

Out to Lunch

#OutToLunch: Patching up potholes and lighting ip expressways shouldn’t wait NAM/G77

By Denis Jjuuko In the early years of the National Resistance Movement (NRM), Dr Samson Kisekka was appointed Prime Minister and then Vice President. Kisekka was said to be a rich man who even had a certain part of Kampala named after him. He had built a modern private hospital in the 1970s in Makerere Kivulu/Kagugube area near Old Kampala. When traders of motor vehicles set up shop nearby, the market became known as Ewa Kisekka or Kisekka Market as we know it today. Dr Kisekka is said to have been a man of means who is rumored to have provided significant resources to Museveni’s rebel outfit, the National Resistance Army or NRA which would capture power in 1986. Kisekka was rewarded with the influential position of Prime Minister and later Vice President. Vice Presidents all over the world usually play the role similar to that of a bridesmaid — be near the bride but not do too much to outshine the bride. May be because of boredom, Dr Kisekka perhaps became the first Vice President in history to hold a weekly radio show. In the days before 1993, Uganda had only one radio station. So, every Tuesday evening, Kisekka did his radio show on Radio Uganda. He was boisterous, boastful, funny and engaging with a deep voice that was actually meant for radio despite his old age. He boasted about his farm in Temangalo near Kampala. He talked about the good life he lived. He reminded whoever cared to listen that he was “Omusawo Omutendeke” translated as a professional medical doctor. As a “Doctor Omutendeke”, he urged his audience to listen to the advice he was giving them if they wanted to live a similar good life like the one he was living. One of Kisekka’s pet subjects was on how Ugandans prepare for visitors. How they leave no stone unturned because visitors were expected at their homes or in their communities. On a tour somewhere in Uganda, Kisekka realized that the community had just worked on the road so that he could use it. They had filled the potholes, dug the trenches and had the road reserve slashed of any bushes days before his arrival. In his speech, which was played on Radio Uganda, Dr Kisekka deeply laughed at the community telling them in their faces that they were an unserious lot. He said they didn’t need to dig up the road for him because he was arriving in a monster vehicle as VP and most importantly, he was also wearing designer shoes. There was no way thorns would pierce his feet. He reminded them, that his car had been driven all the way to the platform where he was standing to give the speech. He then delivered the punch. “Unlike me, you and your children have no shoes. You have no vehicles so thorns will always be piercing you. What about ensuring that your community road is always well maintained even when you are not expecting me?” he said and then let out his signature laugh. On another time, he refused the gifts of goats and chickens the community was giving him. He told them his farm in Temangalo had lots of goats, cows and whatever food he wanted to eat. Yet when he looked at the people giving him the chickens and eggs, they looked like they lacked proteins and hadn’t eaten eggs or meat in a year. He laughed again, boisterously with a lot of pride. Kisekka must be turning in his grave that decades after his speeches and even death, his NRM-beloved is doing exactly what he was telling people not to do — preparing everything for visitors as they starve. Patching up potholes and lighting up expressway spurs just because visitors are coming. The visitors would tell a mature palm tree that was planted the other day. They would tell a road patched up for them. They would know that the lack of traffic jams is because roads are blocked and the citizens are told to use the dusty Nakawuka road to access Entebbe International Airport. Imagine if we had built the Nakawuka road without waiting for the visitors? Businesses would prosper in that area. Uganda Revenue Authority would collect more taxes. We would decongest Kampala of traffic jams. If we hadn’t waited for visitors to patch up potholes, we would have created a culture where roads are well maintained throughout the year. The visitors would then come and see a well-managed country and would wish to return or invest. We may create the impression for visitors from Entebbe to Munyonyo and some parts of the city centre but what if they venture out of their hotels and visit bars in Najjeera on their own? Won’t they see the messed up roads? What if they visit Kabalagala (which many will do) and then realize that not everything that glitters is gold? Will they still be impressed? As Kampala and Entebbe were put on a standstill so that Uganda hosts delegates attending the Non-Aligned Movement (NAM) and the G77 conferences, let us a create a culture that impresses the citizens and residents first. That is how countries and cities develop. Remember what Kisekka said more than 30 years ago. The writer is a communication and visibility consultant. djjuuko@gmail.com

February 5, 2024

Out to Lunch

#OutToLunch: There is more to learn from Joseph Yiga than just his mega country home

By Denis Jjuuko In the early evening of the second day of this year, a video started trending on various social media platforms in Uganda. A guest attending a house warming party had recorded the video while narrating what the amenities were in the house. He concentrated on the visitors’ toilets, guest house, flowers and the sheer size of the compound. Although he exaggerated the acreage of the land on which the house sits, the picture was clear for everyone. Photos eventually emerged as well. For the next few days, social media discussions were centered on the house. Its sheer size and architectural beauty. One person tweeted that at least Kampala’s billionaires were finally building something Hollywood-esque. Others compared it to a five-star hotel in Kigo. Both the hotel it was compared to and the mansion borrow from the Mediterranean architectural themes. A well-traveled friend who was among the guests at the house warming party told me that he hadn’t entered a house that big before and commended the owner’s taste. On social media, eventually everyone asked who the owner was. It turned out, the house on the shores of Lake Victoria in Kasanje Buwaya belonged to Kampala businessman and papal knight Joseph Yiga and his wife Regina. Many people had never heard of Joseph Yiga before and many actually confused him with a dealer in real estate with whom he shares both names. Yet Joseph Yiga is the founder of one of Uganda’s most known brands — Steel and Tube and before that, Hardware Deals. I would never blame them for not knowing him. I have been to events where Yiga has attended but he keeps a low profile. He will never arrive at an event where he would ask the protocol people whether they knew who he was. That is for wannabes who actually have nothing to their name or have just fallen into things the other day. Yiga didn’t become a captain of the industry the other day. He has been in the trenches of business for the better part of his life. Before he founded Hardware Deals, the precursor to Steel and Tube, Yiga had been involved in the cosmetics business among others. As Kampala expanded, he saw opportunities in the construction sector and eventually started his steel manufacturing empire. Steel and Tube is said to be among the top five steel manufacturing businesses in Uganda. That means he can afford the mansion in Kasanje that rivals some of the best five-star hotels in Kampala. But I don’t want to write about his mansion. We know he can afford it. But what do we learn from him? The story is in his move from a hardware stockist to a large manufacture of steel products. He was never contented with playing second fiddle to businessmen from Asia who came here and set up manufacturing businesses and controlled the market. Many Ugandan businesspeople travel to Asia, particularly China, for decades importing stuff and stocking them. Most of the stuff they import can easily be made here but they don’t look at business that way. Countries develop when nationals can control some of the sectors of the economy. If we concentrate on being traders of stuff we can make, we are always at the mercy of those who manufacture them. Manufacturers set the price of their products. They determine the quality and quantity you can get. They can even remove the business from you and start dealing with another trader who may be can deposit more money with them than you. There is nothing you can do about it. That way they determine how much money you can make and you will never make more than them. Many times, they use your money. Had Yiga remained a hardware dealer in Nakasero in the Kampala Central Business District, he would have been wealthy but not able to control any percentage of the steel market in Uganda and the region as he does today. He would probably have built a mega country home but not as luxurious as the one he built in Kasanje Buwaya. He would have employed many people but not the thousands that work in his factories today. If there is anything Ugandan businesspeople can learn from Joseph Yiga, it is the need to move from trading to manufacturing and of course other sectors like banking. We can’t be leaving this to only foreign entities. The writer is a communication and visibility consultant. djjuuko@gmail.com

February 5, 2024

Out to Lunch

OutToLunch: Electric mobility as a new year business option

By Denis Jjuuko One of the most trending videos last year was of a bus driver recorded having a meal while driving. He wasn’t snacking, picking on a crisp or something. He had his plate full from which he would pick some African food while driving. At one stage, he even sipped some soup direct from the plate. On seeing the video, police as usual reacted and had him arrested. Another driver was recorded WhatsApping while driving a busload of passengers. One would expect that bus drivers pay the utmost attention given the number of people on board. In most cases, they are the worst. They drive at high speeds beyond the 80kph that they emboss at the back of their buses, overtake in blind spots, or simply overtake and other road users must find their way or else a head on collusion. They install train horns in their vehicles that they sound with reckless abandon. They don’t care if they make you deaf in the process, as long as they have sounded the horn as if their lives entirely depend on it. Most times, the buses are rickety with broken centre bolts that make it impossible to move in a straight line. If you want to see impunity on the road, follow a bus on a highway. One of the major reasons they drive that way is because many haven’t received proper bus driving training. They are easily moved from lorries or even taxis to buses. Some start as cargo loaders and along the way start learning to drive. In a few years, they are bus drivers. Most bus drivers are paid per a trip so drivers consider sitting down for a meal or driving at the recommended kilometre per hour a wastage of time. The more trips they make, the more money they earn in a day, week or month. The more money a bus owner makes. I have though never understood why a businessman would spend Shs700 million or more on a bus and then hand it to the most incompetent driver ever or one who wouldn’t care about how the bus is driven. If bus owners don’t value human life, at least they should look at their investments. Many of these buses don’t have comprehensive insurance so once they are involved in an accident, that is the end of it. No compensation. That could explain why many bus companies struggle to stay in business for decades. So, I was impressed on a recent visit to Nakasongola where I met bus drivers undergoing skilling by Kiira Motors. Even though the program being implemented by Kiira is updating drivers with the skills they need to drive electric buses, it is also focusing on customer care and experience, traffic rules and regulations, routine service maintenance and repair as well as handling and operation of equipment including electric charging. If they can skill a big pool of bus drivers including those who drive internal combustion engine buses, the better for the country. Passengers eventually won’t be driven from one part of Uganda to another like bales of used clothing. But this work can’t be left to one entity and its parent ministry. Bus and taxi drivers must be equipped with regular skills they need to do a job that puts the lives of the passengers and other road users first. Not just thinking of how many trips they can make a day. Bus owners must be aligned to this necessity as well. Of course, it isn’t just bus and taxi drivers that require refresher driving courses. Many ‘my cars’ drive recklessly and don’t even know basic traffic rules and regulations. Once they have made some money, they buy a car and next day, they are driving for Christmas to the village to show it off to their relatives. Many arrive by sheer luck. Beyond the case for driving, last year saw an increase in the number of electric vehicles in Uganda albeit with nearly all of them in Kampala. Some corporate bodies, NGOs and diplomatic missions accredited to Uganda started electrifying their fleets. This heralds a new era of electric mobility. Sooner than later, there will be lots of electric vehicles without the skills to drive and maintain them. The opportunities for electric vehicles are massive and there is a lot for the private sector to play. We shouldn’t just wait when the vehicles are all over the city and then try to catch up. It isn’t just cars by the way. Some entrepreneurs have been converting boda bodas from petrol engines to rechargeable batteries. Since there are more boda bodas than cars in Uganda, that sector also has a lot of potential—from charging infrastructure, skilling, to maintenance. If you are reflecting on what to do in the new year, electric mobility is one option. The writer is a communication and visibility consultant. djjuuko@gmail.com

January 10, 2024

Out to Lunch

#OutToLunch: Lifetime skills for S6 students on vacation

By Denis Jjuuko If you visit some of the malls in Kampala these days, you would not fail to notice young people milling around the rails, dressed in damaged jeans and taking selfies with their peers. Many are on vacation having completed their advanced level secondary education even though there are many who may not be in this category. Some end up catching a movie or having some chips and chicken served in cardboard boxes. The majority though are just hanging around. For the next eight months or so, such students especially from middle income families will wake up to do nothing for nearly a year as they wait to join university and other such higher institutions of learning. Parents will be happy to let them hang around the city with reckless abandon. Yet this is the time for these young people to acquire some skills, do some work and gain experience or gain some lifetime skills. So what can students on a long senior six school break done during this time? Here are some ideas. Learning to drive Self driving vehicles are many years away even in the developed world. So driving will remain an important lifetime skill for many people. Some jobs such as sales and marketing in big organizations require somebody who knows how to drive. But also it is a job itself for many people. Somebody who knows how to drive has an advantage over someone who doesn’t. It also enables one to be responsible as drivers make decisions every second. If you want your child to improve their decision making capabilities, teach them how to drive. Don’t just teach them how to drive though. Let them learn how to change tyres, washing the vehicle and even changing oil. Cooking and baking There will never be a day when people won’t need food. Most people will always eat cooked food. So instead of the child eating food in cardboard boxes as I mentioned earlier, let them learn how to cook. You can take them to a school that teaches people to cook or bring a teacher at home to teach them. You can pull this together with your friends or relatives in the same neighborhood to reduce the cost. Even if they don’t end up doing this as a business, they will still be able to cook food for themselves and their families. If you teach them baking, they would even start earning income during this period. They can make cookies (or is it daddies?), cakes and such other stuff and sell to their colleagues or shops nearby using the same amount of money as capital that they were spending loitering in Kampala malls. Content creation Creating content is now a source of income for many. Many content creators or social and digital media influencers have no formal qualifications in the work they do. They get a smartphone and generate content. I believe that those who will get trained will become better and earn better. So teach the child photography and videography basics so that they don’t necessarily have to just spend their time taking selfies or photographing the food before they eat it so they can share with their buddies for bragging rights on Gram! Along the way they will become experts and start earning as soon as possible. You can hire a photographer or videographer to teach your children these skills. Even if they don’t become content creators, in whatever career they choose, content creation will be critical as all professions need it to communicate better. There are also some skills offered by companies like Google online such as digital marketing and data analytics that they can enroll for and many are free of charge. Instead of simply watching Netflix, they can spend some of their time getting these skills. Money skills Ugandan schools don’t largely teach people money skills. We learn it when we start earning it and we make many mistakes. So if people learn about money when they are still young, they will make informed decisions later. So the kids taking this long break from academics, can be taught about money by ensuring they manage the budget at home. Send them to markets to buy items and manage the entire process. If they can work somewhere in a place where they have to deal with money, that is even better even if they aren’t paid a lot. Do you have a friend who runs a fuel station, supermarket or restaurant? Those are great training areas on acquiring some money skills but also gaining some work experience especially customer care service and even income if possible however little it can be. The writer is a communication and visibility consultant. djjuuko@gmail.com

January 9, 2024

Out to Lunch

#OutToLunch: Investing in the movie industry and its value chain could be the next big thing

By Denis Jjuuko About 30 years ago, a Ugandan soap opera captured the imagination of the nation, turning hitherto unknown actors and actresses into household names. Some like Sam Bagenda who was quoted over the weekend, the public doesn’t even know their real names. Where he turns, he is known as Dr Bbosa after the character he portrayed so well in the famous series, That’s Life Mwattu. Other series followed such as Bibaawo and Ekitobeero trying to capture the market created by the success of That’s Life Mwattu. Actors took to the stage and it seemed a new industry was born. But it seemed the success of Ugandan TV shows were always short lived. Foreign soaps such as Sunset Beach, Generations, and Isidingo would always interrupt the flow, leaving Ugandan actors to only perform in poorly attended theatres. South American telenovelas and even Philippine ones have of recent been the rage. But it seems there is a revival of the Ugandan TV soaps. You have probably heard the kids in the neighborhood singing Sanyu Sanyu nkwagala, a theme song for the Sanyu series on one of the pay TV channels. Or you have been incessantly called to remind you that the “TV has been cut off yet Sanyu Sanyu Nkwagala is about to start, please pay up.” Sanyu revolves around a young fashion designer who marries into the extremely rich Kirunda family that runs the country’s biggest fashion enterprise. Kirunda, a cunning businessman or criminal depending on how you look at things is played by Abbey Mukiibi of the Kalisoliiso Crew. It is a well-crafted script and the production is good. It isn’t only Sanyu that is keeping soap lovers captivated. There is also Ssuubi, a domestic worker working for the family of coffee mogul Kaaya. Kaaya is played by renown actor Andrew Benon Kibuuka of the Bakayimbira fame. It also features visual artist and former Buganda Kingdom minister Owek Nuwa Wamala Nnyanzi. And of course, Comedy Factory and its Mzigo Express. The production of Ssuubi or Mzigo Express is as good as Sanyu even though sometimes the casting could have been better. There are several other Ugandan TV series and lovers can be hooked on TV the entire weekday evening. Of course, there are also some poorly done ones I have watched but there is no need to dwell on them. Even though these series are featuring many known faces, there are many actors and actresses I am seeing for the very first time and they are good at what they are doing. Many are young and smart and the future for the industry seems to be bright. Like I have argued before, the creative industry can employ millions of young people. There are 71 licensed TV stations in the country and hundreds of radio stations, most of which lack content. Audio dramas targeting mobile phone users could also be made. And of course, the internet opens many opportunities. Many young people already earn a living creating content on YouTube and TikTok. X, formerly Twitter, recently started paying verified users (may not be yet possible in Uganda though). However, some of the creators on platforms like TikTok produce bizarre videos in a bid to bait followers to watch them. Many such creators lack the skills and talent to write creative scripts and of course acting them out. I don’t think they will stay in the industry for long. So, there is a need to train more script writers and production crews if this is to work and most importantly create distribution channels and systems so the content can reach the target market. The training doesn’t necessarily have to be through formal education where people get degrees and such certificates. Hands on training would create the numbers necessary today to get these young people quickly into work. The emphasize must be on original content and not necessarily on recycling or even copying jokes like some standup comedians do. It also doesn’t have to be vulgar or tribal to sell either. What channels through which would this content be distributed? What synergies can be made? In Nollywood, Nigeria’s highflying film industry, it is estimated that each movie employs approximately 100 people from pre-production to movie production to post production. Nearly 3,000 movies are produced annually in Nollywood, which translates into approximately 300,000 jobs a year. Generally, a million people work in Nollywood. According to Business Day, a Nigerian newspaper, Nollywood contributes 2.3% of the country’s GDP. Nigeria is Africa’s biggest economy. Africa’s film and entertainment industry has the potential to create 20 million jobs and US$20 billion annually by 2025 according to UNESCO. This won’t happen on its own. Deliberate efforts will be needed for the industry to thrive. If you are looking for where to invest, what about the movie industry and its value chain? The writer is a communication and visibility consultant. djjuuko@gmail.com

December 19, 2023

Out to Lunch

#OutToLunch: Chanel mobile money interest payments to pension savings

By Denis Jjuuko Some old people in Uganda receive some Shs25,000 a month from the government to enable them to “afford life.” The people who are involved in this activity claim that the elderly on this program look forward to this money as it enables them pay for some household needs. Most people would like and even pray every single day to live long lives. I don’t know though how many would love to survive on this Shs25,000 (US$6.5) a month. Nevertheless, one is better than zero. Uganda’s workforce stands at more than 18 million people today. The majority of these people will in about 30 years retire from their jobs either because they have reached their age for retirement or too old to hustle. Most of these people today are unsalaried and will remain so for all their working lives as they work in the so-called informal sector. Even though most of these people will not be able to kuyiriba (hustle), many will still be alive given the improvements in medical treatment technologies, availability of information and living generally better lifestyles. The challenge they will face will be consistent income. For decades, many people banked on their children to look after them during retirement especially those that managed to pay school fees for these offspring. Although that may have worked in the past, it is one sure way of suffering as you wait for the benevolence of the children, who themselves may not have much or may prefer to spend their money elsewhere. We are increasingly becoming capitalistic. The social system that most people in Africa depended on is getting broken as the continent urbanizes. And if millions of people retire or unable to work every year, the government cannot be able to pay those on regular pension (retired civil servants), those being retrenched from public service and the elderly. Even if they pay, the Shs25,000 a month is too little to enable anyone live a decent life. Uganda isn’t the only country that has this problem. Africa is the youngest continent where the median age is 19 but with a working population of 788 million people. Like Uganda, the majority of these people will be retiring in 20-30 years. Again, like Uganda, the majority of these people (600 million) have no pension savings. When they retire, they will become destitute. In Uganda, employers are supposed to contribute to NSSF for their workers but the reality is that many people in informal jobs can’t do this. We are known as the most entrepreneurial country in the world but the majority of these entrepreneurs are kuyiriba-ring such as hawking, being paid for work done or per a day etc. Just study those who claim to own online shops or the guy slashing your compound where he comes once a week during the rainy season and maybe once a month during the dry season. Who will pay his NSSF? They may be catered for in the law but the reality is different. What needs to be done is to create systems that can enable people to save by seeing the benefits of it. Many people are increasingly becoming members of village saving schemes, saccos or investment clubs (building societies), and Nigiina (where people raise money for one person on a regular basis until every member has received their share) among others. But these are usually short term and not looking at pension 15 or 30 years later. I recently attended the African Pension Supervisors Association (APSA) conference and as experts debated pathways to sustainable inclusive pension in Africa, I kept on thinking about mobile money and how it can revolutionarize pension in Africa. Periodically, I receive some mobile money. Little amounts. Last month, I got Shs2,695 as interest payment. There about 40 million mobile money users in Uganda. There are two major mobile money companies in Uganda and they each pay out an average of Shs5 billion per a quarter to customers like me. That is Shs10 billion every three months. In a year, that is Shs40 billion on average. Imagine if this money was instead of sending it directly to me, they opened a pension account for me linked to my National ID where it is saved and invested? Growing at a net income of about 12% annually, this pension scheme would bring in Shs4.8 billion in net profit in the first year. If you compound this for 15-30 years and telcos contributing every quarter, many people would be able to retire with something. It can also be linked to the national health insurance scheme and allow each member to voluntarily contribute. It would require innovative incentives to work such as withdraws of a certain percentage every five years or funeral covers for parents, spouses or offspring. The writer is a communication and visibility consultant. djjuuko@gmail.com

December 19, 2023

Out to Lunch

#OutToLunch: Predictable incomes, culture of paying debt key in lowering interests on loans

By Denis Jjuuko You have probably heard somebody say these not very magical words; “It is very little money,” especially when they are being asked to pay back some money, they were so desperate to borrow. Or somebody has accosted you for depositing money on a particular mobile money line without asking them first as they had a debt on a line on which you deposited. You also probably know somebody who came crying to borrow some money and has since switched off their phones or no longer answers your phone call. Some wise people have advised Ugandans to only lend people money that they can afford to lose. Imagine! This habit of failure to pay back is extensive. I saw a post with a quote attributed to the Bank of Uganda Deputy Governor saying that the Uganda Bankers Association had told him that commercial banks in the country have Shs5 trillion of loans in courts. Apparently, once some people borrow money from the banks, when payment time comes, they run to court disputing the amount to pay or the legality of the lender. As you know courts take their time to decide non-political cases. It can be years before a judge is allotted the case and then the scheduling and adjournment can take forever. As the judge is about to give his judgement, he is transferred and another judge is appointed to hear the case. Adjournment of cases is the norm in Ugandan courts. In the meantime, the lender is losing money and the borrower is in court purposely to play the long game. It’s perhaps one of the explanations for the high interest rates we pay on loans thereby affecting the country’s economic growth. Usually, we only complain about the banks and not our failure to honor our loan obligations. Failure to pay debt is one of the major impediments to growth. In his top selling autobiography, legendary businessman, Bulaimu Muwanga Kibirige (BMK) and now deceased, credited his growth on supplier’s credit where he received goods on credit and paid back. He said that many of his colleagues who always found ways not to pay back suppliers had their businesses collapse within a few years. Some of these people, he said, had been wealthier than him. By the time of his death, some used to call him for financial assistance. Of course, debt payment issues aren’t squarely on the shoulders of the debtors. The banks aren’t innocent either but there are also other issues why interest rates are high in Africa. The size of the economy, political instability, high levels of poverty and high inflation rates among others could provide richer explanations. But the borrowers can’t always be absolved. The majority of people in Africa have no predictable income since they largely work in subsistence agriculture, growing food for household consumption with the little surplus left to sell. Even those who practice commercial agriculture, the majority have small gardens and always unsure of their income. Today the tomato harvest is good but everyone has had a bumper harvest thereby crushing the prices. Next season, few farmers have remained in the business and the prices are high prompting everyone to grow the tomatoes the following season. By harvest time, there are simply too much tomatoes and the prices are down again. That is the circle most smallholder farmers operate in. Banks looking for somebody to lend money won’t even bother giving them a call. They know that chances of a borrower not being able to pay back are high. If they are to lend, they extend as little as possible (at high rate) which is unable to help get a farmer out of poverty. Yet 50km away, in the country’s capital, the tomatoes are on high demand that some are being imported into the country either as fresh tomatoes or factory processed tomato paste (look at the shelves in your local supermarket). This being the rain season, there are reports that farm gate milk prices have crushed by more than 50 percent. In December, at the first sign of a dry season, the prices will go up again. But farmers have no alternatives to preserve their milk and wait for the prices to go up. The money they would have made due to increases in the prices in the dry season will go into looking for water for the cows. You can say that about almost every crop or produce. If we want lower interest rates on loans, there is a need to ensure that the majority of our population who are involved in agriculture earn a predictable income, the judiciary must become efficient in disposing cases (Katikkiro Mayiga writes about this in his book Uganda:7-Key Transformation Idea), and cultivate a culture of people paying back their debts and stabilize the economy and the politics. The writer is a communication and visibility consultant. djjuuko@gmail.com

December 7, 2023

Out to Lunch

#OutToLunch: Nyege Nyege and the case for local governments to identify their niche attractions

By Denis Jjuuko For many years, Jinja had lost its status as the industrial hub of Uganda when many factories closed following their privatization to private entities. The private investors preferred setting up in Kampala near to the market or executives didn’t want to abandon their Muyenga mansions for life on Kiira Road on the banks of River Nile. Jinja, with its wide streets, became somewhat sleepy, eventually known for making chapattis! But the picturesque location that is Jinja was always going to be key for its revival. Residential houses where once factory executives resided became bed and breakfast lodges. And tourism players started building hotels and lodges on cliffs where people could see the majestic Nile flowing towards the Mediterranean. Sports such as kayaking and bungee jumping were introduced. Someone brought in quad bikes and horse riding. Soon, Jinja became a preferred destination for tourists, honeymooners and those seeking a nook to break away from the hustle and bustle of Kampala. Many young people spend their weekends in Jinja. Located a mere 80km away from Kampala, the town is a cheaper option for those seeking gateways. Transport fares are reasonable and accommodation is affordable and there are lots of stuff to see and enjoy on budget. Eventually, factories returned to Jinja and many are being set up increasing the number of people in town. But also, Jinja still has big open spaces where big events can be staged. The agricultural show is a parmanent fixture on the town’s calendar and of recently, the famous Nyege Nyege that took place over the last weekend. There is no event that divides opinion like Nyege Nyege in Uganda. It has been debated in parliament and at one stage, MPs wanted to ban it even though people questioned if they had the legal mandate to do so. The ethics ministry termed it an immoral event. Busoga political stalwart Rebecca Kadaga showed up to preside over its opening ceremony, like she did again this year. Pictures and videos will emerge of a few people who have drunk a little too much or who are dancing seductively or dressed in clothes the size of handkerchiefs. Those against the four-day music festival will use such images to justify their opposition to the event as one that is leading to the erosion of the country’s moral compass. Regardless, young people arrive in Jinja in droves to enjoy the event. Many fly in from overseas and turn the town upside down for four days to the chagrin of the country’s morality police. Wherever people converge in large numbers, some may do certain things that many won’t approve of. People ‘misbehave’ at workplaces or even worship ‘crusades.’ There is no way, a few people wouldn’t let their passion take over during a musical festival. Anyway, it is during this event that Jinja experiences some bit of traffic gridlock and have the many lodges filled up. Some people turn their homes into temporary hotels while those in the camping tent business make a killing. Boda boda riders, chapatti makers and all sorts of small businesses make lots of money during this festival. Jinja local government authorities and the Uganda Revenue Authority must be smiling all the way to the bank. Banks themselves are smiling as well. However, if you are a local government in one of the major towns or cities as some are called, you should have taken keen interest in Nyege Nyege. Local governments need to promote their towns so that businesses can blossom which in turn will mean increased revenues. They don’t necessarily have to do music festivals. Masaka, for example, could do more about grasshoppers during the two seasons a year (hopefully they return). They can promote the season and open up collection or gathering centres where at night, people can get involved. They can make the exercise a fun event for four days each season. Uganda is food rich. Another town can do a food festival. Actually, that can be done in each region of the country given our peculiarities when it comes to culinary stuff as long as we portray it as fun event. Packwach’s Nang Nang fish is delicious just like the cassava in Kafu. Malewa in Mbale. Malakwang in Gulu. Firinda in Tooro and potatoes (chips festival?) and Enturire in Kabale. What about games? Wrestling (ekigwo), board games (mweso, dduulu), okwepena (what is it in English?), skipping the rope, and blend it with modern ones people have come up with these days like Otyo and a town’s fortunes may change forever. Towns like Arua have golf courses. They also don’t have to be events held once a year. Local governments with support from their mother ministry or that of tourism or the Uganda Investment Authority may help towns identify their niche attractions and work on a plan to promote them. The writer is a communication and visibility consultant. djjuuko@gmail.com

December 7, 2023

Out to Lunch

#OutToLunch: If people can contribute to Kyabazinga wedding, they can do so for impactful causes too

By Denis Jjuuko Many times, the Busoga region appears in the press for the wrong reasons. High levels of poverty largely blamed on sugar cartels that disenfranchise farmers and even higher cases of teenage pregnancy that are sometimes above the national and East African average. But earlier this month, the focus was on the royal wedding. Globally, people love weddings and more so if it involves royals or very famous people. Television stations left no stones unturned in broadcasting the event live. Many people on social media claimed to have spent the day glued to their TV sets to capture every aspect of the ceremony. Jovia Mutesi, the Queen Consort, had done a great job of ensuring there wasn’t much known about her before the wedding. There were no previous social media posts of her past circulating everywhere. No groupies claiming, she is their bestie. At least I didn’t see them. Not even her kwanjula photos. The first images we saw were of her farewell ceremony on the day of the wedding. Kudos to her and the team. For the past nine years of William Gabula Nadiope as the Kyabazinga of Busoga, it has been hard to tell what the kingdom is doing from an outsider’s perspective. He seemed to be largely holed up in his palaces, appearing once in a while at events before disappearing from the public view. We even heard at one stage that he had been appointed an ambassador by the central government. And when his prime minister announced the wedding date and unveiled the future queen consort, everything seemed to be going awry. A corporate bank issued a famous letter that they have no money to contribute followed by an audio allegedly of a woman he married in a small island country in Europe. But the kingdom didn’t panic. They stayed on course with their strategy, only issuing a statement when some lawyers had written about the existence of another marriage albeit without any iota of evidence at least for us watching from the distance. Undeterred by such allegations, organizations and even individuals continued to line up to the prime minister’s office to donate and wish the king and his future wife happy nuptials. That confidence that people had in their king even when many allegations were flying on social media and even in some newspapers is something Busoga Kingdom must build on. Kingdoms today don’t have the mandate to fight poverty and provide social services to their people. That is the sole responsibility of the central government, which enjoys absolute authority yet the people demand social services from the kingdoms — at least the kingdom that have legitimacy. It is not possible for these legitimate kingdoms to sit back and tell the people who are desperate that your social contract is with the central government. The people actually know that but they have learnt to manage their expectations. So, for Kyabazinga to continue enjoying his legitimacy, he must do something. The wedding has shown him what is possible. If people can contribute billions to a wedding, they can contribute to kingdom programs that alleviate people from biting poverty. The organizing committee of the wedding already know this and I saw that they committed themselves to do something in the first 100 days of this wedding. It is good that they don’t lose momentum but they should also be thinking long term. You can’t significantly reduce teenage pregnancy in 100 days. They also committed themselves to ensuring the people of Busoga participate in the parish development model. Good stuff. But they should avoid portraying themselves as an extension of the central government or ruling party. They wouldn’t want to be blamed for its excesses. At one stage during the wedding, it looked like a political party event. Towing an independent line would ensure that they don’t alienate the Kyabazinga’s subjects that belong to other political parties. They should work with all people across the political divide. For many reasons, they can look west to Buganda which manages to deliver social services to its people without the resources from the public till. If corporate bodies see value in the work of Busoga Kingdom, they will partner with it just like they collaborate with Buganda. The Kyabazinga already has a team that he can rely on and he shouldn’t allow them to go into hibernation mode after the 100 days they talked about. It will also be important to put administrative structures in place that are watertight to safeguard the interest of the kingdom. Since the Nnabagereka of Buganda was Inhebantu Mutesi’s witness in church, she now has a direct line she can use to learn how she can create an office that can address some of the challenges children and young women in Busoga face today. Just like her husband, she already has the will of the people. The writer is a communication and visibility consultant. djjuuko@gmail.com

December 7, 2023

Out to Lunch

#OutToLunch: Grasshopper farming could create thousands of jobs

By Denis Jjuuko A crisis nearly happened in Uganda this month. November is the month for millennia that is known for grasshoppers that the Baganda named the month after it — Musenene. It is the last month in the second rainy season that comes with grasshoppers or Nsenene in Uganda. Mild rains usually come in with grasshoppers just like they do in May at the end of the first rainy season. However, this November has been a bit different, with grasshoppers nearly doing a no show. People in Masaka, the urban area where the grasshoppers always showed up waited and waited with fluorescent lights beaming at the highest levels every night ready to attract and catch them only managing to see a few butterflies each night. Approximately 120km away in Kampala, a crisis was about to unfold. Where are the grasshoppers, everyone asked. Memes started flying on social media that if the grasshoppers don’t show up, the people should instead feast on those who belong to this particular clan. You know, Nsenene is one of the 54 clans of Buganda! Ugandans even when a crisis is unfolding, they will always find some humour. Nsenene is a delicacy that is loved by Ugandans. Many people long to feast on them in May and November. Some people peg their annual income on these two seasons. Many hawkers and traders forget about other items so that their full focus is on the grasshoppers. Taxi operators abandon people to bring grasshoppers to Kampala, which is the major market in Uganda, driving at speeds that ambulances can’t match. Grasshoppers are highly perishable! If a grasshopper is seen in a town, within hours, people have set up the infrastructure necessary to catch them. As we waited for the now elusive grasshoppers, a few were seen in a small trading centre in Kassanda. Within hours, some optimistic business people had hired generators from Kampala, bought iron sheets and round metallic containers commonly known as Drums to catch them. That is how far people go to catch these flying insects. Then, we heard that they had finally been spotted in Fort Portal and Bundibugyo in western Uganda. The excitement in Kampala was unparallel. Finally, the grasshoppers were here. People asked dieticians if they could eat as much as they want. A small cup containing about 300 grams was going for Shs10,000. People complained of the cost but they were still lining up to buy. I have heard that Masaka finally got swarms of them crushing the prices significantly to the chagrin of the Nsenene traders. However, the delay for the Nsenene to leave their habitat so we could enjoy them shows one of the biggest challenges of our time. For millennia, we have enjoyed the delicacy that is grasshoppers but we have never bothered to do something about it. We simply wait for God to send them every May and November. The majority of us have no idea where these grasshoppers come from. Why can’t we do studies about them? Why can’t we hatch them and commercially farm them? To be fair, I heard some years ago that some researchers have done so in Makerere and had found it humanly possible to commercially farm Nsenene. I hope I am wrong but I haven’t heard of any place where Nsenene is farmed today. It is a delicacy that can bring significant rewards to the investors all year round than simply waiting in anticipation every May and November and complaining whenever they don’t show up or delay to do so. As Uganda’s population grows and turning the Nsenene habitats into farmlands and urban centres, we should not always expect that grasshoppers will be in abundance every May and November as it has been for thousands of years. The delay this November is a sign that the worst times are ahead. Our famed scientists have their job well cut out. I am not sure who was funding the Makerere researchers but this is one area the government of Uganda can take up. Grasshoppers and its value chain can create thousands of decent jobs for young people throughout the year instead of just twice a year. The youth who work the night to catch them, transporters, utility companies and the distribution network that we usually see every May and November would now be annual businesses. We can process them so that they are available on the shelf for whoever is interested. We can export them too. Approximately two billion people or 25% of the world’s population eat insects. That is a market that is estimated to grow to US$18 billion by 2032. We can target it. Edible insects like grasshoppers are richer in protein, amino acids, vitamins, fat and energy than animal meats and therefore could solve some of our malnutrition challenges. And we didn’t have enough time to talk about white ants (enswa), crickets (amayenje), and locusts (amayanzi) today! The writer is a communication and visibility consultant. djjuuko@gmail.com

December 7, 2023