The Social Security and National Insurance Trust (SSNIT) says it has made significant savings by deleting ghost pensioners on the Scheme’s payroll.
According to SSNIT, as at the end of September 2018, savings made so far can be put at GHC20 million, after deleting 6, 452 from the payroll.
SSNIT in February this year, begun the clean-up exercise to delete ghost names its payroll. The Trust advised the BoG to return pension funds which had been unclaimed for a period of six months.
Following the advice, the BoG issued a notice to local banks, directing them to ensure that “all SSNIT pensioners’ bank accounts in respect of which there have been no withdrawals of monthly pension paid by SSNIT into that account over a period of six months or more should be returned to the designated SSNIT account at the Bank of Ghana.”
SSNIT boss on ‘ghost names’ clean up
Speaking to JoyBusiness after a media engagement in Accra, the Director General of SSNIT, Dr John Ofori-Tenkorang said they are hoping to increase savings being made to about GHC26 million by December 2018.
He added that “every month we are saving over GHC2 million and what this means that the pension expenditure is going to slow down, helping make the fund sustainable”.
This move the director added is part of broader cost-cutting measures being implemented by the Trust.
Would this cost-cutting measures affect payment of benefits?
Dr Ofori-Tenkorang however assured that this cost-cutting measures would not affect pension payout to beneficiaries, adding that “Despite these cost-cutting measures, we have not reneged on our responsibility of paying benefits”.
Payments
He added that a total of GH¢2.2 billion was paid to 189,549 pensioners and other beneficiaries in 2017 as compared to a payment of GH¢1.7 billion to 174,164 pensioners and other beneficiaries in 2016. This is an increase of 29.41% of the previous year’s benefit payouts. Indeed, in January 2018, all pension payments were increased by 10%. The Minimum Pension, which is above the statutory monthly Minimum Wage for the working population, has been maintained.
Other cost-cutting measures
According to SSNIT other cost-cutting measures has yielded some significant savings. This includes foreign travels, competitive procurement and Internal Audit on ICT systems.
Foreign Travels
Travel and accommodation expenses for the period ended 30th September 2018, was GH¢1.57 million as against a budgeted amount of GH¢ 8.34 million. This indicated a favourable variance of 81% as a result of a significant reduction in foreign travels during the period.
Also, the amount spent on travel and accommodation was drastically reduced to GH¢1.9 million in 2017 compared to an actual spend of GH¢8.3 million in 2016.
This constitutes a 77% reduction. In consultation with the Executive Committee, the Trust’s Travel Policy has been amended so that all employees, including the Director-General, fly Economy Class for trips below 4 hours duration.
Competitive Procurement
All Procurement activities within the Trust have been centralised. Only the Procurement Department has the mandate to procure goods and services. Sole sourcing has been cut down. Competition has been introduced in the procurement of airline tickets, as required by the Public Procurement Act and this has recorded significant savings.
Stringent standards and controls have been instituted to ensure that committees that evaluate all procurement tenders carry out their duties professionally and apply the law and the correct procedures for awards of contracts to ensure value for money.
It is based on some of these measures that the Director-General of the Trust was recognized as the “Procurement Transformation CEO of the Year” at the Ghana Procurement & Supply Chain Awards (GPSCA) held in September 2018.
Internal Audit on ICT systems
Management embarked on a comprehensive audit of the Trust’s ICT systems and have identified several areas in which the Trust can recover certain costs and also cut down on recurrent support and maintenance expenditure.
A recent re-negotiation of agreements on some ICT infrastructure, support and license fees has resulted in the savings of $8.52 million to the Trust. About half of this is a recurrent expenditure.
A newly signed Service Level Agreement (SLA) for three (3) years is saving the Trust two million $2,000,000.00 compared to the previous maintenance contract.
Also, an amount of $15,281,167.87 and GH¢16,019,579.46 is to be claimed as refunds from one of the IT solution vendors.
The retooled internal audit department has further unveiled another $ 6,944,467.18 to be claimed from a software provider.
Value-for-Money Audits
Management is conducting a value-for-money audit on several of the Trust’s ongoing real estate construction projects, the results of which will serve as a basis for re-negotiation of the construction contracts when necessary.
Status of SSNIT’s investment
Dr Ofori-Tenkorang also maintained that it has been very prudent with its investment, as it works to improve contributors’ benefits.
It has also frozen new real estate investments in the short to medium term until SSNIT’s portfolio has been rebalanced.
SSNIT’s Investment Guidelines are also being reviewed in line with the new asset allocation policy and emerging trends.
Breakdown of investment performance
The Trust’s investment portfolio registered a 5.77% real return in 2017 as against -5.93% in 2016. This performance was above the external actuarial target of 3.25%.
The total investment assets of the Trust as at September 2018 was GH¢9.38 billion.
This represents a growth of 2.4% in asset value compared to the Sept 2017 value of GH¢9.16 billion and an increase of 1.4% compared to the December 2017 value of GH¢9.25 million.
The Marketing Department, at the Office of Corporate Affairs, has been tasked to intensify marketing activities to sell off real estate housing units as and when they are completed without waiting for the total completion of the projects, SSNIT boss added.
The Trust Hospital Company Limited (a facility fully owned by SSNIT) since its incorporation in 2010. The amount paid was GH¢597,979. Another investee company, Labadi Beach Hotel, also declared a dividend of GH¢1 million for 2017.
This amount was a huge increase considering that the company booked a loss in 2016.
The Trust’s Treasury Policy has been revised and now SSNIT places funds with commercial banks and other financial institutions at Treasury bill rates plus a minimum of 3%.
A significant amount of SSNIT funds was invested in T-bill rates plus 1% in the past, but under the new treasury policy, some funds were invested at T-bill rates, plus 5.3 %. The Trust ensured all these placements had security cover.
At the end of 2017, the value of SSNIT’s cash and near-cash instruments stood at about GH¢1 billion as opposed to GH¢217 million at the end of 2016.
The value of the Trust’s assets increased by GH¢1.376 billion in 2017 from GH¢8.4 billion to GH¢9.776 billion, as against a decrease of GH¢404.481 million in 2016.
1,464 affordable housing units at Borteyman have been completed and sales are still ongoing. All contractors who have submitted their certificates have been paid. Also, the Trust is on track to complete about 1072 affordable housing units at Asokore Mampong by December 2018 within budget.
SSNIT targets Informal Sector
The Trust says is it working to venture into operating a scheme for those in the informal sector.
According to the Director General, “Substantial progress will be made in these areas to turn the Trust around and position it for further growth that will positively impact our national development in the coming year.”
Source: myjoyonline
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L’UFCM a constaté depuis quelques mois l’accroissement des tromperies à la « roqya ». Les témoignages de personnes victimes de ces pratiques se multiplient et présentent les mêmes caractéristiques : « Une personne vous appelle et vous propose une séance de « roqya » gratuite. Cette personne vous propose de rappeler un numéro prétendu gratuit, souvent un numéro commençant par 0 800… » Mais, dans les faits, cette prestation est loin d’être gratuite, puisque la conversation est facturée à vos frais et à votre insu. Au-delà de l’aspect juridique qui est traité à ce jour par le pôle juridique de l’UFCM[1], ce procédé soulève la problématique de sa conformité au Coran et à la Sunna. En effet, la « roqya » peut se définir comme une thérapie qui permet de soigner les actes de sorcellerie, de mauvais œil et également de se protéger contre ces derniers. Par conséquent, est-il possible de la pratiquer par téléphone et quelles sont les exigences édictées par le Coran et la Sunna ? Nous présenterons ainsi successivement les conditions liées au soignant (I), les exigences relatives à l’environnement où est réalisée la « roqya » (II). Nous aborderons ensuite la question de la gratuité de la prestation ou de sa contrepartie financière et enfin les conditions dans laquelle elle est réalisée (III). I- Les conditions liées au soignant Souvent la « roqya » est perçue comme une pratique dispensée par un tiers. Or, il est essentiel de rappeler et de souligner un fait important : la meilleure des « roqya » est celle que nous dispensons nous-mêmes à travers le « dhikr » et la récitation du Coran. Ainsi, pour se prémunir des maux liés au mauvais œil ou à la sorcellerie, il convient régulièrement de lire le Coran et faire des invocations notamment celles du matin et du coucher, de réciter régulièrement la sourate « La vache », de renouveler son intention, de placer la certitude dans son cœur, d’effectuer ses prières etc., et surtout de demander à Allah la meilleure des protections. Toutefois, dans certaines conditions, il est nécessaire de recourir à un soignant. C’est à ce stade qu’il convient d’être vigilant. Il ne suffit pas de se rendre auprès d’une personne qui se présente avec la qualité de cheikh ou d’imam pour accepter de lui confier cette pratique. Comme pour tout procédé et encore plus lorsque cela relève de considérations religieuses, il est important de bien choisir son soignant car ce dernier est tenu de posséder des qualités bien affirmées. La maîtrise du Coran et des traditions prophétiques en la matière est une condition sine qua none, mais insuffisante. 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. Il doit : être en capacité de lire le Coran, croire avec certitude au Coran, être empreint de piété, connaître les pièges et les caractéristiques du diable et des djinns, connaître la méthode prophétique de la « roqya », disposer de connaissances de base en psychologie, avoir la conviction que le succès de sa thérapie dépend de Dieu. A l’exception de la première exigence, il semble difficile de vérifier les autres conditions dans le cadre d’un entretien téléphonique avec une personne que nous n’avons jamais rencontrée, même si elle se présente sous le titre de « cheikh » ou d’un imam. Par conséquent, ces conditions soulignent une première limite quant au recours à la « roqya » par téléphone. Par ailleurs, à l’instar de tout médecin, le soignant doit, avant de prodiguer des conseils ou une médication, procéder à une consultation. Ainsi, un environnement adéquat est indispensable pour la réalisation d’une « roqya ». Il est enfin inconcevable qu’un médecin puisse vous affirmer par téléphone connaître votre maladie et attester pouvoir vous guérir. Vous auriez plus que des doutes sur ce prétendu médecin. II- Un environnement propice et la réalisation d’une consultation préalable à la réalisation d’une « roqya » Il est intéressant de noter que, dans son ouvrage « Comment se protéger des djinns & satan », Wahîd ‘Abdussalâm Bâli évoque l’importance du climat pour réaliser une roqya[2]. Ainsi, il expose les points suivants : « 1. Préparer le climat adéquat en faisant par exemple sortir les images et les statues de la pièce où on va soigner le malade, pour permettre aux anges d’y entrer. 2. Débarrasser le sujet de tout ce qu’il peut porter sur lui comme talismans ou amulettes et les brûler. 3. Éteindre tout ce qui peut émettre le son de la musique et des chants. 4. 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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