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Friday, April 19, 2013

Government’s borrowing from NSSF suspicious

 President Museveni addressing NEC
President Museveni addressing the National Executive Committee on Tuesday. Photo by Stephen Wandera 
By Ikebesi Omoding

Controversy surrounds the intention by the National Social Security Fund (NSSF) to lend money to Government. What would otherwise be a patriotic undertaking is threatened by the manner in which this government intends to borrow the workers’ money, and its character; or rather, the manner of the people who would be involved in the exercises.
On several occasions now, NSSF Managing Director, Richard Byarugaba has expressed willingness to open up NSSF’s financial chest of a yearly more than one billion dollars to the government to borrow to finance the country’s poor infrastructure. Many Ugandans believe that this is laudable given the prohibitive conditionalities other lenders such as the World Bank and the International Monetary Fund (IMF) have usually foisted on the government. But outgoing IMF Country Representative, Thomas Richardson, has punctured this intention, regarding it underhanded.
In a parting repartee to Byarugaba, Richardson noted that the government simply wants to avoid borrowing at the market rates; that it already has borrowed money which is sitting in the banks unutilised, gathering dust of exorbitant interest rates which are payable above the rates that NSSF would offer. In other words the government is literally digging a smaller financial hole to try to cover up a bigger one.
Also, Richardson reveals to Ugandans, rather obviously advantageous to the IMF/World Bank, that the government is already borrowing from the securities that NSSF buys into; in effect that the Fund should unload more money to the bonds market if the regime wants more money for infrastructure, but at the commercial rates that would be of benefit to the workers to ensure the sustenance of their future savings. Otherwise, the regime would merely be transferring its global indebtedness to the workers, whose future payment would be uncertain.
This dire warning is amplified when one regards the kind of people who would be entrusted with carrying out the borrowing. The mindset of the regime officialdom is theft at every turn of the structure. Richardson delicately calls it “lack of capacity” of the Ministry of Works staff to plan and manage such projects; “sharp deviations” from the budget; and, fake supplementary budgets, specifically to State House. All these add up to runaway corruption that has engulfed the country. The NSSF billions of dollars would likely end up being swindled.
Moreover, there is a move afoot to amend the 1967 NSSF Act to liberalise the pension sector. This deregulation would have the effect of creating other pension funds/schemes which would compete with the “monopoly” NSSF. But the likely conduit here is that the scalpers normally referred to as “investors” would borrow this money, invest into these schemes and with the lax foreign currency transfer market, get out this money into the untraceable overseas tax havens.
To “liberalise the retirement’s benefits sector”, the Government in Section 53 (1) of the draft “Retirement Benefits Sector Liberalisation Bill 2011” proposes that this will make the NSSF “become responsive to market forces”. This is the exact opposite of what it would do if it borrowed the money since it is doing so at below the market rates.
Even if Byarugaba said he was not forthcoming on giving the money, he would have few options since he is an appointee of the government. It behoves therefore on the workers’ representatives in the NSSF to examine the usefulness of this proposition; if possible with a view to rejecting it in the manner it is presented.

Assurances by the government’s principals on a range of promises have in the past proved bogus; they simply cannot be trusted. Unless there are demonstrable arrangements in place to ascertain two things: one, that Government will pay the workers money; and, two, that while the money stays borrowed this does not affect the workers from getting their payments, it would be foolhardy for the NSSF to agree to the government intentions to borrow this money

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