The Bank of Ghana (BoG) says it will add a minimum of $800 million to the country’s reserves this month to stabilise the cedi against major international currencies, especially the dollar.
The Head of Financial Markets at the central bank, Mr Steven Opata, told the Daily Graphic that the accumulation of more dollars would help increase the net international reserve (NIR) to around $4 billion, enough to provide confidence in the system and help stabilise the free fall of the local currency.
Since January this year, data from the central bank show that the cedi has lost some 3.6 per cent of its value to the US dollar as the international investor community sold some of their investments in local securities and moved their funds overseas, partly causing the cedi to slide.
That caused some apprehension among the business community, prompting various private sector associations to urge the central bank to find a solution to the depreciation to help abate the impact on their operations.
In an interview on how the BoG was addressing the turbulence in the currency market, Mr Opata said one of the strategies it was adopting “is rebuilding reserves to face more systemic shocks that may come”.
“I am very optimistic that it will not be long before we see stability and some recovery in the cedi,” he said.
Cause of depreciation
He explained that BoG research indicated that the recent depreciation would normalise in days, as it was not caused by weak fundamentals and external shocks but by local sentiments that tended to correct with time.
“In this first quarter, the movement in the cedi is not caused by external factors because the external sector has been quiet,” he said, citing recent signals by the Federal Reserve (Fed) of the United States of America that it would be increasing its rates, a situation that usually negatively affected the currencies of emerging and frontier markets such as Ghana.
Last year, the BoG blamed the cedi’s increased vulnerabilities on hikes in Fed rates, which it said reduced non-resident investor appetite in government bonds, causing them to repatriate their coupons and maturities in ways that posed shocks to the local currency.
Mr Opata was confident that rebuilding the reserves was the best option to help assure the international community that the central bank was ready to respond through increased dollar sales whenever the need arose.
Measures to build reserves
Asked how the bank intended to build the reserves, he said “there are a number of transactions in the pipeline that should approximately add about $800 million or more by the end of the first quarter”.
“As you know, as you are building, you are also spending, but what we are trying to do is at least build our reserves so that the NIR remains at the same levels at the first quarter as it was as of December 2018,” he stated.
Last year, the central bank used about $560 million to support the cedi against shocks and that saw the net international reserves declining to $3.8 billion in December last year.
Although Mr Opata declined to discuss the transactions in detail, he said “some flows will come from cocoa, some other financial transactions that we are doing will also add some, oil exports should also add some this quarter.
So it is largely an export and some financing story,” he said.
Cause of depreciation
On what was causing the ongoing depreciation of the cedi, Mr Opata said the
BoG’s research showed that the current movements were largely driven by local sentiments arising out of increased demand for forex by non-resident investors in the country’s bonds, increased demand by the energy sector to support imports and high offshore proceeds reported by the banks.
He also mentioned increased demand for forex by corporate bodies seeking to repatriate their profits and dividends and a wrong interpretation of the BoG’s recent adjustment to realign its rate and the average interbank exchange rate.
He said although the adjustment was to smoothen out rough edges to help create efficiency in the forex market, “it appears that the banks overreacted to that adjustment”.
“They saw that as a weakening of the currency and that is what started this rapid movement that we saw in the currency,” he said.
IMF exit
Commenting on developments on the currency market, an economist and Senior Research Fellow at the Institute for Fiscal Studies (IFS), Dr Said Boakye, observed that the cedi was suffering the consequences of heightened repatriation of bond proceeds, as foreign investors feared the health of the economy would not remain intact after the exit of the International Monetary Fund (IMF) in two months.
He said although the government was emphatic that Ghana would not extend the Extended Credit Facility (ECF) with the IMF when it ended next month, “people are not having a clear picture about the fiscal stance” in the absence of the fund.
uncertainty around the government’s ability to maintain fiscal discipline without the IMF was now causing some of the investors to exit the domestic bond market, leading to increased shedding in the value of the local currency against its foreign counterparts, he told the Daily Graphic.
Given that investors normally converted their funds into foreign currencies to be able to repatriate, he said, the “panic withdrawals” were increasing the pressure that the local currency normally endured in the first quarter of every year.
However, Mr Opata said the central bank did not have any evidence to support that assertion.
“What I can assure you is that we are not going to sleep after the IMF is gone,” he stated.
Source: Daily Graphic
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La personne doit également avoir des notions de psychologie afin de déterminer la part de sorcellerie et celle de troubles psychologiques fréquents chez les patients. La personne doit posséder une bonne hygiène de vie, notamment spirituelle puisqu’il n’est pas inutile de rappeler que le succès de la « roqya » dépend de Dieu. Ces critères sont difficilement évaluables, surtout par une personne qui est affectée par un mal-être, quelle que soit sa source. C’est pourquoi les proches doivent accompagner la personne dans la recherche d’un soignant qualifié et reconnu comme tel par des référents religieux de la localité (imam, responsables associatifs, etc.). De manière générale, le soignant doit posséder des qualités déterminées que nous pouvons synthétiser de la manière suivante. 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Vider le lieu de tout ce qui comporte une infraction à la shari‘a à savoir, par exemple, la présence d’un homme qui porte de l’or ou une femme qui ne porte pas le voile légal – al-hijab. 5. Donner au malade et à sa famille une leçon de dogme de façon à ce que leurs cœurs ne soient pas attachés à un autre qu’Allah. 6. Leur faire savoir que la façon de soigner est différente de celle des sorciers et des charlatans et que le Coran recèle guérison et miséricorde, comme l’a informé Allah le Puissant et le Majestueux. 7. Diagnostiquer son cas : pour cela poser des questions au malade pour s’assurer de la présence de tous les symptômes (…) ». Or, dans les témoignages communiqués, l’interlocuteur qui se présente comme soignant ne pose aucune question aux personnes. Il débute ainsi la « roqya » directement par une récitation du Coran. En outre, il est intéressant de souligner que dans l’un des témoignages communiqués à l’UFCM, l’interlocuteur demandait à la personne de remplir successivement des verres de lait, d’huile, d’eau etc. et de les poser par la suite sur la table de la salle à manger. Au point que la personne s’est retrouvée avec une multitude de verres posés sur la table. Le comble est que la personne ignorait ce qu’elle devait en faire lorsqu’elle a pris conscience de la tromperie. Nous constatons par conséquent qu’une « roqya » ne peut être réalisée dans un environnement quelconque. En effet, une procédure de diagnostic est essentielle. Nous pouvons à titre d’exemple faire le parallèle avec un rendez-vous chez le médecin ; ce dernier ne peut vous prescrire une ordonnance sans au préalable vous avoir ausculté et interrogé sur les différents symptômes que vous ressentez physiquement. A défaut, au lieu de guérir vous allez aggraver vos maux. Cette attitude vigilante du médecin traitant doit se retrouver lorsque nous envisageons le recours à une « roqya ». Pour illustrer ce propos, nous citerons l’exemple de l’anthropologue, spécialiste de l’islam européen, Farid El Asri, chercheur associé au Centre Jacques Berque, qui nous rapporte une situation alarmante suite à une « roqya » : « Une jeune femme en Belgique (…) est morte suite à une tentative d’exorcisme. Pendant les séances, les fkihs (imams) utilisent normalement de l’eau « coranisée ». Pour cette jeune femme, prétendument stérile, les exorcistes ont carrément plongé son visage dans l’eau et quand elle tentait d’en sortir pour respirer, les guérisseurs estimaient qu’il s’agissait du jinn qui l’habitait et ils replongeaient son visage dans l’eau. Pendant le procès, la famille de la défunte s’est présentée comme musulmane et a accusé ces pratiques d’être extérieures à l’islam quand les guérisseurs estimaient qu’ils avaient simplement fait ce qu’ils pouvaient. Le fait de recourir trop systématiquement au fkih risque également de faire passer une crise d’épilepsie, par exemple, pour une crise de possession. »[3] Nous allons aborder enfin la dernière problématique, celle relative aux honoraires du soignant. III- Les honoraires du soignant Le Prophète, bénédictions et salut sur lui, « a agréé les Compagnons qui ont été payés pour la roqya ». Il est dès lors autorisé de rémunérer un soignant en contrepartie d’une prestation. Toutefois, cette rémunération doit être raisonnable et surtout clairement définie avant le traitement. En outre, nous ne pouvons que souligner et rappeler que, si la roqya est réalisée dans un cadre sérieux, il convient de procéder à toutes les déclarations administratives. Comme pour tout contrat, vous devez exiger un document écrit et le praticien doit préciser quels sont ses engagements exacts afin d’éviter tout litige postérieur. Malheureusement, tous les témoignages transmis à l’UFCM soulignent que l’interlocuteur insiste à plusieurs reprises sur la gratuité de la prestation. Or, dans les faits, cette dernière est payante puisque le coût de la communication est surtaxé. Ainsi, l’une des victimes qui nous a contacté, s’est retrouvée avec une facture téléphonique (hors forfait) de 1800 euros. Par conséquent, nous constatons que ces « roqyas » gratuites sont fondées sur la technique dite du « call-back » qui consiste à amener une personne à rappeler un numéro surtaxé, information qui lui est bien évidemment dissimulée. Une « roqya » peut être payante à condition de respecter un cadre prédéterminé, fondé sur l’information et la transparence des honoraires. En conclusion A la lumière des développements susvisés, l’UFCM appelle d’une part à une régulation du métier de la pratique de la « roqya », d’autre part, à la vigilance de chacun à ne pas céder à la tentation d’une « roqya » qui ne serait pas réalisée dans les conditions requises et qui pourrait produire des effets inverses. Au-delà du cadre spirituel ou juridique, les divers témoignages reçus et étudiés par l’UFCM ne peuvent pas nous laisser indifférents à la question suivante : pourquoi des personnes sont-elles amenées à accepter aussi facilement une « roqya » par téléphone ? Est-ce la gratuité qui a déterminé leur choix ? Certes le mal-être produit par cette société est de plus en plus grand. Nous vivons une époque où les êtres sont de plus en plus coupés des signes de Dieu et vivent un rythme de vie effréné. Ces affaires sont révélatrices des maux les plus profonds qui touchent la communauté musulmane. Par ailleurs, comme l’ensemble des rites islamiques (hajj, halal, pompes funèbres) censés nous rappeler les limites qui déterminent la voie vers Dieu, nous constatons que leur marchandisation trahit de plus en plus leur vocation première. Suffit-il qu’un interlocuteur se présente à nous comme un « cheikh » ou un imam et qu’il nous propose une « roqya » gratuite pour l’accepter aussitôt Ne devrions-nous pas tous nous interroger sur le fait qu’il y ait des musulmanes et des musulmans aussi isolés et aussi ignorants de leur propre religion pour être trompés aussi facilement ? Sommes-nous devenus si dépendants des Hommes que nous en oublions de nous adresser directement à Dieu pour solutionner nos malaises ? Autant de questions que chacun d’entre nous a la responsabilité de se poser. En effet, aucun de nous ou de nos proches ne sont à l’abri d’une telle tromperie. Il convient enfin de rappeler que la « roqya » est un remède précis et qu’elle ne peut se faire que sous certaines conditions et surtout qu’elle demeure l’exception à la règle, qui est de toujours s’adresser directement à Dieu. Avant de recourir à une « roqya », il convient de faire une introspection sur ses propres pratiques cultuelles et de revenir.
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