Monthly Archives: December 2015

A lump of coal for Christmas in Madibeng?

Five years ago, the bridge partly collapsed due to strong currents of the river flowing underneath, and has never been repaired. The bridge spans across the Klipgat, bordering the back-end of the entire area.

 

It was built to facilitate the movement of motorists and pedestrians crossing towards ODI Hospital in Hebron from Klipgat. The broken bridge that once helped the many individuals in their livelihood and topped the list of popular fishermen in the locations has now become a bachelor hangout.

 

“God can forgive you but we will never forgive you!” These are the strong words from members of the community at Majakaneng village in Madibeng Municipality after a prayer session.

 

A few weeks after the massive protest against water shortage by Majakaneng community members, the Local Municipality of Madibeng, together with the local churches around the area, conducted a peaceful prayer session to pray for the entire area and to also make amend with the residents in Majakaneng.

 

The event was graced among others by the Executive Mayor of Madibeng, Cllr. Jostina Mothibe, Municipal Speaker, Cllr. Matshidiso Mangoathe, and the chief whip Cllr Simon Klaas. According to the municipality, the event was a success. Despite the water challenge, they said that the community members fully supported the prayer session.

 

The country is left with little more than few weeks before the local municipal elections 2016.

 

We do not know whether this municipality is cursed or what because even obvious things becomes dilemmas. Will we be able to get used to them? Of course, we will get used to drinking dirty water everyday. We will get used to being lied to and manipulated at all times by our leaders.

 

Madibeng is such a beautiful municipality, yet in the hands of vicious politicians who have points to score and wealth to chase. All I can say is that I will get used to voting for other people to have power; I will get used to the corrupt municipality.

 

To be honest, (there is no positive story you can tell about the municipality), and the municipality does not do the community any favours by not living up to their promises. What is happening in Madibeng is a shameful ordeal where councillors see an opportunity to score millions and leave the municipal coffers bankrupt.

 

I feel pity when I hear someone saying our municipality is doing fine and there is no crises in the council. There are many challenges in the council that will never be sorted out. We will keep on experiencing more problems, and problems and keep on hearing promises that will never be fulfulled.

 

Later suspended by the Municipality of Madibeng, and God knows what happened because he was no longer recognised at the council.

 

Rev. Molefe was a Member of the Mayoral Committee (MMC) responsible for Land and Housing portfolio. Of course, the Rev. is known for his allegations of selling a piece of land for the amount of R2 500-00 and was arrested right on the spot by the Hawks.

 

Lebogang Tsogang was removed as the Communication Manager, and was replaced by the man who rented and later owned the Itatswe Bottle Store and Tavern, while at the same time he was the Marketing Manager at SWA, Sipho Nkosi.

 

Not so long after, Sipho’s contract lapsed and was never renewed by the municipality. After he was shown the door, many threatening messages and letters were sent to all officials within Madibeng. Who knows who was behind the sending of those messages.

 

The former Municipal Manager, Monde Juta, was also amongst those officials axed by the municipality for incompetency. After the announcement by the North West Premier, Mahumapelo that the heads must roll.

 

The executive mayor in Madibeng, Jostina Mothibe, contributed immensely in making sure that those corrupt officials are being suspended and removed from the eyes of the community. Jointly so, many officials were suspended and some of them are now waiting judgement.

 

We definitely need more loyal municipal workers. We need capable people to run the clinics; more police officers. We are sick and tired of the lazybones municipal administrators who do not know how to do their work properly.

Councillors must be held responsible for poor service deliveries?

Members of the community in Madibeng have gathered over the past few weeks in their appropriate places where public meetings were conducted to elect their favourite candidates to represent them as councillors, PR councillors, screening committee members for the next five years.

 

Councillors must be held responsible for poor service deliveries in their constituencies; they never care for the interests of the community. The 2014/15 budget indicates that the remuneration of councillors was set to R25 799 620, for 2015/16 the remuneration’s set to R27 605 592 and next budget for 2016/17 is R29 537 988.

 

This has to be not because of the money and their salaries. It is a very interesting thing for an individual to be elected by the community for becoming a ward councillor. But the questions are what the person has done for the community, and whether or not be able to address issues and represent the population in council?

 

Does person have fresh ideas to provide in making sure that service delivery is not compromised? Is the person able to host community meetings? Is the person elected because he/she has the love for elderly people, children and women in their community among others? Whether or not the person has a pending criminal case or having criminal record?

 

Of course, the person must not be an alcoholic or be seen hanging out in taverns or shebeens. The person must be a public figure with good integrity and good humanity, having respect for others and be respected by the community as a person.

 

It is not easy to find such matching candidates as the country is now surrounded with so-called-leaders who are desperately hungry for power and thirsty for wealth. One year down the line, after being elected as councillor, one would want to drive a stunning car and living a luxurious life.

 

The most important thing is for the community to be able to vote and elect reliable people who are on the same page and have the love for the community. Someone who will make sure that the community comes first and that he will give a hundred percent to the community, and be able to meet those criteria.

 

Those criteria must be evaluated first before considering a member as the ward councillor to avoid mishaps throughout the term. It is an overwhelming and joyful demonstration when elected such a leader, but the most difficult part is when the particular person is not delivering accordingly.

 

In your own opinion you might say the party will re-elect another person-but who will do damage control thereafter? Every year ward councillors remuneration increases, but the living conditions of the community worsen on a daily basis. Ward councillors in Madibeng deserve not to receive a single cent for their incompetence.

 

It is advisable that community members elect people who will lead and offer them what they deserve to have. Service delivery is the number one priority and therefore one must have a strategic way of providing basic needs to the needy.

Maboloka memorandum submission failed

On the 3rd of December 2015, a service delivery protest was planned and organised by Maboloka Community Organisation (MACO). This came after few members of the community were not satisfied about the services rendered by some of the municipal officials.

 

Little did they know, in their peaceful gathering were also foot soldiers pretending to be on their side. The gathering was cancelled due to reporters misunderstandings between the two groups.

 

Apparently starting from the 17th November 2015, rolling secret meetings took place, where a comprehensive plan was being hatched to destabilise the municipality and evoke chaos. Surprisingly, almost all those planning anarchy are on the municipal payroll as officials and councillors.

 

Supposingly in Madibeng , those officials and councillors are mobilising some community foot soldiers to intimidate and assault some people who will obviously attend the next council meeting, including certain councillors, and to ensure that the next council meeting fails.

 

Part of the plan is that councillors and officials who do not support their mission be attacked and or assaulted, that everything made out of glass in the municipal building must be broken, municipal officials vehicles be smashed and broken into deliberately so that CoGTA can fast-track the removal of both the municipal manager and the mayor.

 

We do not know whether we should call the service delivery protest a fake? Of course, part of the plan is that the council must consistently be interrupted, since they have reasons to believe that it may make some decisions not favourable to them, and that may abruptly stop their looting spree and future prospects of stealing millions.

 

Bear with me; their foot soldiers will be transported from different areas in Brits. Once they have arrived in the vicinity of the municipal building, they will occupy strategic places according to their command, including occupation of the council gallery as members of the public.

 

Proceedings must commence, and once councillors from the corrupt brigade start protesting and showing dissatisfaction regarding certain aspects of discussions, foot soldiers will explode, causing chaos and fights against certain people. In the process the executive mayor and the acting municipal manager must be attacked.

 

It is alleges that these corruption brigade members are helped by certain people from National Government, whom are also pushing for the removal of both the MM and Executive Mayor, because they financially stand to benefit a lot if their mission is accomplished.

 

Is the whole fight good for the ANC? Are we to witness more bloodshed in Madibeng during election time?

Madibeng overspends on security measures?

It is alleged that the bill of the municipality on security is over R1 million rand a month.

 

Is it necessary for the municipality to employ such a high number of securities? In fact, how many security companies are appointed at the municipality? Is it necessary to spend money on security while there is a massive challenge of service delivery?

 

This is not in line with the SDBIP and is not budgeted for. Who authorised that only the director for public safety signs the cheque requisition form, which is in direct contravention of the system of delegation.

 

R3 000 000 has been paid for the project to partition the ground floor. Apparently, the service provider was paid in advance and according to the information, the only signatures attached were those of the acting director and his secretary.

 

The general worker has just been promoted to acting clerk in public safety, the acting director appointed is from community services and that the public safety was overlooked.

Mahikeng braces itself for massive crusade in the the new year

Mahikeng is bracing itself for one of the greatest efforts of evangelism  in Africa today dubbed the “Healing Jesus Campaign (HJC).”

 

The massive crusade to be held early in the new year is a partnership between local churches with worldwide ministry leader, renowned evangelist and prolific author of over 45 books, Bishop Dag Heward-Mills.

 

“The momentum towards a successful campaign to win souls and strengthen the unity of the body of Christ is gaining ground. The local HJC Board of Trustee established after briefings to Pastors and Church leaders is overseeing the Central Planning Committee that meets twice a week,” said HJC Crusade Director, Apostle Peter Asowah who is in Mahikeng with the advance team.

 

Apostle Asowah highlighted that no effort will be spared in the next stage of the campaign mobilisation to ensure that residents of Mahikeng and neighbouring villages are part of the life changing campaign to be held on the 30th and 31st of January 2016 at the Montshiwa Stadium.

 

“The immediate task assigned to Zonal Coordinators nominated at the Believers Assembly held on Sunday is to raise awareness. The leadership collective in the zones has   to bring all churches on board and mobilise volunteers to join the zonal mobilisation team, transport team, ushers, counsellors and the mass choir,” Asowah stressed.

 

He highlighted that many people who are expected to respond to Jesus during medical doctor-turned evangelist Dag Heward-Mills’ crusade will be released into local churches.

 

The Mahikeng campaign will follow recent successful November-December campaigns held in the Western Cape, Eastern Cape, Northern Cape and one concluding Bishop Dag Heward-Mills’ 2015 itinerary in Bloemfontein on the 15,16 and 17 December.

 

Similar campaigns during which thousands gave their lives to Christ were held in Limpopo, Gauteng and the Free State in April 2015.

 

Over 10 million decisions for Christ across the continent have been achieved since Bishop Dag Heward-Mills who is the founder and Presiding Bishop of the Lighthouse Chapel International launched the Healing Jesus Campaign in 2013.

Monde-Ditsobotla issue continues

When is Monde Juta, former municipal manager of Madibeng Local Municipality returning to his position at the municipality?

 

Madibeng former municipal spokesperson, Sipho Nkosi, said at the time the Madibeng council released Juta to go and assist in Ditsobotla as per the request of the North-West Local Government and Human Settlement, MEC Collen Maine.

 

Acting director in public safety, fleet and facilities management, Energy Manaka was appointed as an acting municipal manager in Madibeng. Energy Manaka is still holding the position as the acting municipal manager at the municipality.

 

The special council meeting also resolved to replace councillor Lawrence Maluleke as MMC of Public Safety, Fleet and Facility Management . He was replaced by councillor Marcus Machete and Mataboge said the regional structure wanted Maluleke to be reinstated and all other deployment in the region halted.

 

It is alleged that the ANC in Bojanala want Monde Juta back to his position at the municipality. According to a source the regional secretary emphasised earlier on that officials in Madibeng and mayoral committee members [MMC] must be reinstated to create stability in the region.

 

Will it be a wise move by the ANC to change the municipal structure with regard to stability before the election next year? Shouldn’t all focus be on the election until the election date is announced to strengthen the election?

 

Are ANC mayors, speakers and chief whips in the Bojanala region up in arms in addressing issues of service delivery that had led to protests in places such as Moretele, Madibeng and Rustenburg municipalities?

 

Why is the ANC’s regional executive committee (REC) not resolving the Monde-Ditsobotla issue once and for all? The matter is not seating the entire community well. The challenge in Madibeng is water, and bringing real administration could ease the problem.

 

Simply changing managers does have an impact on service delivery because some of the officials and councillors are incompetent and cannot provide proper service delivery to the community.

 

 

Public Private Partnership between the Department of Basic Education, the Tiger Brands Foundation and Nungu

The Tiger Brands Foundation has announced that it, in partnership with Nungu Distribution, will be adopting a new school into the in-school breakfast programme.

 

The RekgonneBapo Special School in Brits, North West will be the first special needs school to be included in the programme. This announcement is set to tie in with the International Day of People with Disabilities on 3 December, 2015.

 

“This is the second external, corporate partnership between the Foundation’s in-school breakfast feeding programme, a fully funded programme and a corporate entity. This new partnership allows us to reach more learners – 220 additional learners to be precise – who will now be receiving a daily breakfast during the school week.

 

We also plan to adopt three additional schools in the neighbouring areas into the programme in the near future,” says MrEugene Absolom, Director of the Tiger Brands Foundation.

 

Partnerships, such as the ones forged with Nungu Distribution, and earlier this year with Sishen Solar Facility, enables the Foundation to provide breakfast to a wider reach of learners.

This helps to strengthen and expand on the Foundation’s public private partnership with the Department of Basic Education at a national, provincial, district and school level.

 

The In-School Breakfast Feeding Programme was initially established in 2010 as an initiative between the Tiger Brands Foundation and the Department of Basic Education to compliment the National School Nutrition Programme (NSNP) lunch provided by the Department.

 

The programme operates in 64 schools, across nine provinces and serves breakfast daily to around 45 000 beneficiaries. At present, there are 227 Food Handlers employed at these schools.

 

The Tiger Brands Foundation, together with the NSNP, pays a stipend toparents from within the school communities to prepare, cook and serve the daily breakfast and government lunch. In addition, the Food Handlers are educated about food storage, hygiene and preparation, as well as supplied with protective wear.

 

In addition to providing meals to students, the Tiger Brands Foundation has installed kitchens in schools throughout Gauteng, Kwa-Zulu Natal, the Western Cape, Mpumalanga and most recently Limpopo. These kitchens provide a more efficient and hygienic means of food preparation.

 

The Tiger Brands Foundation is a Limited invests in social upliftment through its Corporate Social Investment (CSI)   (1% of net profit after tax) and through The Tiger Brands Foundation (5% of dividends).

 

The Tiger Brands Foundation (TBF) was established for broad-based community impact, and will be for the benefit of non-fee paying schools, vulnerable groups in society as well as projects that promote sustainable livelihoods in the areas in where such non-fee paying schools exist.

 

Tiger Brands allocated 5% (five percent) of its shares to the TBF. The TBF trustees are Dr Miriam Altman (Chairman), Mr. JJ Njeke, Madame Sheila Sisulu, Mr. Clive Vaux and Ms Bridgitte Backman.

 

“The TBF plays a funding, thinking, co-ordination and delivery role in partnership with a number of stakeholders including but not limited to the Department of Basic Education at national, provincial and local levels, the Departments of Agriculture, Social Development and Health, academic and research institutions, beneficiary schools, parents, community leaders, community based agencies (delivery partners), funders/donors wishing to invest in food security, Tiger Brands in its entirety, the public and last, but not least, the shareholders,” said Sithembile Ngobese.

Serodumo Sa Rona brings hope to Bapong & other mining communities

The idea of this article is to evaluate and to check how communities around the Platinum Belt should have gained tangible benefits from the minerals extracted from their land.

 

The initial aim for this article was to focus on Lonmin’s current operational problems and how that impacts on the much touted R546 million empowerment deal clinched with the Bapo-ba-Mogale Tribal Council.

 

The writer wanted to find out what ordinary Bapong community members think of the very reduced value of Lonmin and whether they feel that they should start demanding a community stake in the mines operating from their land.

 

A platform for comments was also given to everyone from the ordinary Mopo, the Bapo-ba-Mogale Traditional Council through their CEO and spokesperson Lehlohonolo Nthontho, and from other community-based associations.

 

A special thank you goes to Mr. Kholisile Dingiswayo, the spokesperson for the community association Serodumo-sa-Rona, for taking the time to respond to questions posed below.

 

Noosie C. Petlele: Is Serodumo-sa-Rona operating only in Bapong? Are you, at some point in the future, going to also fight for the interests of villages such as Majakaneng, Marikana and Sonop in relation to mining rights and corporate social investment?

 

Mr. Kholisile Dingiswayo: Serodumo-Sa-Rona CBO is a universal body that currently has a total membership of 13 798 and viable units in the communities of Bapong, Majakaneng, Modderspruit, Mooinooi, Marikana, Wonderkop, Segwaelane, Sonop and Boschfontein.

 

We operate from Bapong at the moment but are planning to relocate our head office to Brits as well as establish a sub-office in Marikana in 2016. It is therefore prudent for us to raise awareness that we are not a tribal faction as some people want to believe but a civil society organisation whose objectives are central to promoting and protecting human and environmental rights, fighting corruption and maladministration in the public and private sector, public education and advocacy as well as promoting good governance.

 

Our program of action dictates that we engage with business stakeholders especially the mining companies operating in the vicinity. We are not convinced that despite the challenges in the mining sector, these companies can hide behind market prices for them not to meet their corporate social investment obligations.

 

Mining rights of communities remain a very complex issue because the laws that govern these are not known by the very people they affect and hence the discontent shown through the recent strike actions. It is a fact that the mining companies are not taking communities seriously.

 

To our observation, government is playing a questionable role in this. You certainly cannot have more than 60% of Cabinet Ministers, their families and friends owning mines and expect any fairness in the game.

 

A more long term agenda is to even reach out to communities that have been termed “classless” by some political leaders to ensure that the rights of these communities are not infringed upon simply because people there are begging for services that ought to be provided by government and the municipality. Our program entails rigorous public education activities through various forms of media, workshops and interaction with social groupings such as stokvels, burial societies and social clubs.

 

NP: Do you think Bapo-ba-Mogale are aware of what the BEE agreement reached last year between the Traditional/Tribal Authority Council and Lonmin entails? Can you simplify the agreement for us lay people?

 

KD: Many people in Bapong are very much aware of the issues around the BEE transaction concluded with Lonmin in 2014. It is also a known fact that our CBO and sister organisations have taken the matter to the North Gauteng High Court to have the agreement reviewed because it does not and would not benefit the community in its current form.

 

Firstly, the manner in which the resolution was reached spells a far cry on the traditional norms of the community.

 

Secondly, the status of the meeting (kgotha-kgothe) itself was fraudulent in that the name of Kgosi Bob Mogale was used to convene the meeting even though he had been prohibited by an order of the High Court to interfere with the affairs of the community and the order was still binding.

 

Thirdly, a number of agreements were mentioned as forming part of the deal but none of these were made available for the community to scrutinise. Ten separate agreements form part of the deal and the community was misled to entrapping itself into a transaction that stands to benefit only a few individuals.

 

Fourthly, the conversion of royalty to equity is a trick of the “language” used. Lonmin at one point ignored the community and chose to give 18% to Shanduka which is a company then owned by Mr. Cyril Ramaphosa.

 

The value of the shares given to him through a very dubious loan scheme amounts to R5.5 billion that Shanduka is vowing not to pay back. Had Lonmin given the community the same loan with the same terms the Bapo community could be very rich and providing for itself but instead it was made to give Lonmin its assets including the exclusive use of land surface (surface rights) and forfeiting mining royalties for a period ending in 2074.

 

To us this is a gross violation of the community’s rights to land ownership and use considering the fact that the community is the land owner not Kgosi or the traditional council.

 

Fifthly, the management and governance of arrangements stipulated in the agreements say that the community has no right to holding the three people in the mining committee accountable about the receipt and use of monies expected from the mine.

 

Very vague and non-committing statements are made in these agreements that obligate the mine to keeping its promises but stringent regulations are made for the community to comply with. There is also a Development Trust whose governance tenets are very shallow.

 

It is not a witch-hunt that we are at loggerheads with Lonmin. We believe that they knew what they were doing when they pushed for an illegal meeting to go on as well as funding its expenses. Lonmin knew that the traditional council was not yet officially in office because it only got gazetted in mid-August but proceeded to engage in illegal activities.

 

NP: What is the stance of the Unions to your challenge against the agreement? Are they openly supportive/not supportive/not involved or don’t care?

 

KD: The unions have not openly voiced their stance regarding our action but we are happy that many of our members are employed by Lonmin and belong to both AMCU and NUM. We regard unions as strategic partners in our program for societal transformation and development and we will have a continuous engagement with them on various key issues.

 

It wouldn’t be correct for us to draw a conclusion that since they remain silent on this matter they are not on the same page with us.

 

Our organisation has in a period of one year forged very good relations with credible institutions of higher learning and we have access to the best legal brains in the country and as such our capacity to assist the Bapo and other communities is without doubt.

 

Our program for socio-economic development seeks to compliment that of the municipality and government but also takes into account new business modalities to rural communities such as venture capital and other forms of investment for the advancement of women and the youth.

 

NP: Meaningful economic development in Bapong is going to be driven by leaders like yourselves, those willing to take on the establishment without fear. What do you want community members to know about Serodumo-sa-rona?

 

KD: We plead with our communities not to mistake Serodumo Sa Rona Community Based Organisation as an extension of any political party. Neither are we an opposition to traditional leaders or government but given the terrain we operate in, it is inevitable that we will be on opposite sides of the issues affecting society.

 

We have thus far made meaningful contributions to various forums including the United Nations through CIVICUS on climate change, human rights, environment rights, and economic development. We have also made submissions on new Bills published by government for public comment so our role in the communities is very sacrosanct and progress oriented.

We do not need handouts, we need jobs!

USD60bn investment plan heralds a new era in China-Africa relations, but money will not create jobs on the continent. There are less jobs in Africa, and we are no longer producing anything, Politicians must stop and change their behaviour.

 

South Africa is no longer producing proudly South African products for retailers, just because China is producing and exporting them to Africa. This makes buying products from outside the country too costly maybe detrimental the country.

 

China’s intentions are to buy out the mines and start exporting into Africa. With this, China is making more money than our country. Imagine in about three months, 60 billion dollars have been accumulated. We need jobs not money.

 

China is giving us money. We are not charity cases dependent on social grants; social grants are handouts and we do not want handouts, we want to do things ourselves. Importing goods is killing our country big time.

 

We are a proud people seeking employment, not only money, and many people are sitting at home: jobless, because our politicians think that we want money rather than jobs. That is why we have social welfare in this country offering social grants to qualifying community members.

 

China has now made an agreement with Africa, which will affect countries on the continent, such as South Africa. Within three months, China created a whooping 60 billion dollars money which could have been generated by and on the African Continent.

 

In return, China is building a military base in Africa. Their intentions are to buy out existing mines leaving behind poor people: jobless and effectively contributing towards their export business. We do not need money, we need jobs!

 

China’s cancellation of existing debts with zero-interest loans and the announcement of USD60bn(R863bn) investment heralds a new era in China-Africa relations, and strengthened partnership for mutual benefit, peace and development, the South African National Civic Organisation(SANCO) said on Friday.

 

“Violent conflicts as well as the twin demons of greed and corruption, which have impoverished and displaced millions of people across the continent are an antithesis of development that our communities need ,”SANCO President Richard Mdakane highlighted in welcoming the announcements made by China’s President Xi Jinping at the Forum on China-Africa Cooperation(FOCAC) Summit.

 

Mdakane said that the ten co-operation plans announced by President Xi have met SANCO’s expectation, and that the summit outcomes will address youth development as well as student exchange programmes aimed at an academic and vocational training level to address skills shortages amongst unemployed youth.

 

“Ending violent conflicts and adopting a new paradigm that focuses on infrastructure  development programmes will assist us to make strides towards addressing violent extremism that has exacerbated the triple challenges of poverty, unemployment and underdevelopment,” he emphasised.

 

Mdakane said that his organisation will work closer with the China NGO Network for International Exchange and other NGO’s on the continent and through structures established by the African Union to ensure that resources benefit communities.

 

“It is time for those in conflicts to beat their swords into plowshares and to roll up their sleeves for development,” he concluded.

Stokvels have been around in South Africa and Africa for many years.

Stokvels have been around in South Africa and Africa for many years. They are a good way for people to help motivate each other to save, and many stokvel or savings clubs are much like social clubs where members also help each other in ways other than with money.

 

Stokvels are invitation only clubs of twelve or more people serving as rotating credit unions or saving scheme in South Africa where members contribute fixed sums of money to a central fund on a weekly, fortnightly or monthly basis. The name “stokvel” originated from the term “stock fairs”, as the rotating cattle auctions of English settlers in the Eastern Cape during the early 19th century were known.

 

Regular stokvel meetings have become a social highlight in many communities.   Stokvels generally have a constitution which dictates the size of the contributions, when the accumulated money is to be paid out and the roles and responsibilities of the members and each member contributes a certain amount each month. This can be anything from R50 to R1,000, depending on everyone’s income.

 

Each month, it is a different member’s turn to receive the money. So, if you belong to a stokvel with twelve members who each contribute R500 a month, then once a year you will receive a R6,000 payout.

 

Each month a different member receives the money in the fund, which was collected during that period. Defaults on contribution are quite rare as other members will know if you haven’t paid your contribution, and also because the regular meetings are a reminder of what you will gain when it is your turn.

 

Depending on the type of stokvels, the members can use the collected fund for their own use, for payment or investment purposes. It is estimated that one in every two black adult South Africans is a member of at least one of 89 000 stokvels. Black adult South Africans invest approximately R12 billion in stokvels a year.

 

You are motivated to save because the other members will know if you haven’t paid your contribution, and also because the regular meetings are a reminder of what you will gain when it is your turn. Know your rights when entering into a stokvel.
There are variations on the idea. Some stokvels save for Christmas; all the money each month goes into a savings account and at the end of the year everyone gets their share. If the members choose the right savings account they each benefit from the interest gained as well.

 

Other stokvels have many more members, and meet more often (twice a month or even weekly). Some stokvels operate more like Savings and Credit Cooperatives, where members ‘deposit’ money for saving and are able to take out loans at good interest.

The most important ingredient is trust: you have to know that each member will pay their contribution, especially that they will continue to do so after they’ve had their payout.

 

It’s may be a good idea to have a stokvel bank account, or to have everyone deposit their share directly into the account of the person who’s benefiting that month. It is not safe to bring large amounts of cash to meetings.

 

Some stockvels prefers to safe money for groceries at the end of the year. Groceries mainly assists prevents households from buying a large groceries at the end of the year. Meetings are conducted the same as the money scheme savings. Members decide on what type of groceries they will buy.

 

Traditionally, you have to be invited to join a stokvel, you can’t necessarily apply for membership. However, you and a group of friends can start your own stokvel.