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Circle of Concern Magazine Issue 3 | June 2014
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R19.50 ISSN 2310-8827
Renewable energy
posing opportunities
How to Make
Money on
Identity crises
In Technology
June 2014
ISSU
E 0
03
Social|Economical|Political Minded Leaders
Turning a
Diss to a dime
Home –Based
Businesses
PETITION To Parliament
Tricky L
Economic roles
Of youth
Circle of Concern Magazine Issue 3 | June 2014
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Dear South Africa 6
Turning a Diss into a Dime 10
Renewable energy posing opportunities 14
Home-Based businesses 20
National Credit Act 24
Effective Marketing strategies for
Small businesses 26
Did you know? 30
How to make money on YouTube? 32
Identity crises in technology 36
Renewable energy posing
opportunities for Sustainable
Entrepreneurs
Editorial Letter
Finance & Business
Law & Economics
Entrepreneurship
Social & Politics
Is BBBEE still relevant? 40
How to write a petition to parliament 44
Our parliament 50
Our role models, Good or Bad? 53
CONTENTS
Circle of Concern Magazine Issue 3 | June 2014
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THE MAGAZINE TEAM EDITOR-IN-CHIEF
Komane Golden | [email protected]
JUNIOR EDITOR
Molebogeng Mashobane | [email protected]
FINANCE EDITOR
Kulani Mhlanga | [email protected]
LAW & ECONOMICS EDITOR
Donald Msiza | [email protected]
WRITERS
Athi-Enkosi Majavu
Simphiwe Nkosi
Bongani Rakgalakane
Prince Moeng
Andrew Sako
Marvin Malaka
PHOTOGRAPHER
Reinhard Nell
SUBSCRIBTION
Simphiwe Nkosi | [email protected] | 071 328 7107
ADVERTISING
Simphiwe Nkosi | [email protected] | 071 328 7107
PUBLISHER
CATHEL Group (Pty) Ltd | [email protected] | www.cathelgroup.co.za
Services
Market research
Retainer consulting
Cash Flow Analysis
Project consulting
Business Plans
Company Profiles
Strategic Plans
Due Diligences
Feasibility and Viability
Studies
Financials
Business Solutions
Business and Manage-
ment Consulting
Turn Around Plans
Business Training Includ-
ing: Workshops, seminars
and in-house training
Marketing Plans
Marketing and Market
Research Plans & Reports Proposals and Investment
Seeking
Contacts: Physical Address: 80 Cilliers Street, Suite 214 Adverto Towers, Sunnyside, Pretoria E-mail address: [email protected] Fax.: 086 275 5370 Tel.: 087 734 9140 Mobile: 076 027 0633
Opinions expressed in this publication are those of the authors and do not necessarily reflect those of this mag-
azine, its editor or its publishers. The mention of specific products in articles or advertisements does not imply
that they are endorsed or recommended by Circle of Concern Magazine or its publishers in presence to others
of a similar nature, which are not mentioned or advertised. While every effort is made to ensure accuracy of
editorial content, the publishers do not accept responsibility for omissions, errors or any consequences that
may arise therefrom. Reliance on any information contained in this publication is at your own risk. The publish-
ers make no representations or warranties, express or implied, as to the correctness or suitability of the infor-
mation contained and/ or the products advertised in this publication. The publisher shall not be held liable for
any damages or loss arising , incurred by readers of this publication or any/ other person/s. The publisher dis-
claim all responsibility and liability for any damages, including pure economic loss and any damages, resulting
from the use of any service or product advertised in this publication. Readers of this publication indemnify and
hold harmless the publishers of this magazine, its employees and servants for any demand, action, application
or other proceedings made by any third party and arising out of or in connection with the use of any services
and/or products or the reliance of any information contained in this publication.
Circle of Concern Magazine Issue 3 | June 2014
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Third Issue!!! Ka Boom The journey was quite hard and sour but the persevering team made it
to the destination. Our dream of preaching the gospel of entrepreneur-
ship is going well so far, given the fact that this is our third issue. It all
came together with the support of our families, friends and READERS. I
just want to remind you that living a dream should be a priority and be
pigeonholed if possible. It is not easy but it worth doing. Be what you
want to be not what people expect to be. It is nice to wake up and do
what you love most. Les Brown once said that most people do not real-
ise that many people die of heart attack on Monday morning between
8 am to 9 am because they go work they do not like.
I wish you realise your potential and start investing not only time but
passion as well. I personally discovered that passion is the most power-
ful resource that it is not used globally. I came to that conclusion be-
cause the majority of us think that success it is all about having materi-
al things or being a billionaire. We forget what we love most. It is all
about money, money, money and money.
I have few books to recommend but if you have read them, page
through again. Understand the impact of political leadership on our
economy by reading Animal Farm written by George Orwell, Mastery
by the powerful writer Robert Green, who also authored 48 Laws of
Power and Thirty-three Strategies of War and Where has My Ceiling
Gone? By Warren Veenman and Sally Eichhorst.
I don't have much to say about June 16 but I wish everyone remem-
bers those who have died for this freedom and celebrate in a dignified
way. #Maibuye iAfrika
Editor-In-Chief
Komane Golden Tshegofatso
EDITORIAL NOTE
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Dear Golden,
I read your article in the Circle of Concern entitled 'the silent death of spaza shops'. At the end of the article, you pose the question "Do you believe that spaza shops are dying slowly but surely?"
At the beginning of your article, you mentioned that the possible imminent death of spaza shops is brought forth by the urbanization of the townships and rural areas in which these mini shops operate. This observation underscores the many flaws that plague the business models with which these busi-nesses operate.
Ultimately, their (spaza shops) "sell" was initially their close proximity to their consumers. Now that bigger players in the industry, with more professional setups, enter the areas in which the operations of the spaza shops are based, they are easily threat-ened because of many factors including the lack of exhibiting professional. It is not a sustainable busi-ness strategy to rely on close relationships with your customers.
You also mentioned that these bigger supermarkets sell their items at lower prices; this brings me to my
next point...the revenue models under which the spaza shops are run. They charge very high prices because of adding a mark-up to a price that already has a mark-up; this is a consequence of buying their stock from wholesalers and not directly from manu-facturers like the larger retailers do.
This reveals yet another flaw to their business mod-els: they are simply too small to compete. The size problem is further intensified by the lack of ambition to grow that the spaza shops exhibit. Growth of a business operation is paramount to the reduction of costs, which in turn enables one to compete with other businesses in their market and beyond.
My conclusion is that no matter how confident the spaza shop owners are, under the current business model and strategy, they are destined for failure. We have too many spaza shops, with the exception of those owned by Somalian nationals, which operate independently of each other. Only if, I believe, the spaza shops were amalgamated into one or a few businesses would they have a fighting chance.
Regards.
Siyavuya Majavu
Write to the Editor
Express yourself by writing a letter to the editor. The editor reserves the
right to edit and make changes where necessary. The opinion expressed by
readers is not that of Circle of Concern and printers of the magazine.
Please write in a language that is free from racism, sexism and does not
promote hatred. Letters are not published on first come first serve basis.
All the letters must be directed to the following email:
REWIND
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074 955 1704
Comment Via
@CoC Magazine
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CIRCLE OF CONCERN MAGAZINE
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Turning
a diss
Into a
Dime
Letlhogonolo Mthombeni
Entrepreneur, music producer
and professional DJ
AKA Tricky L
COVER STORY
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By Marvin Malaka
Letlhogonolo Mthombeni was born and raised
in Ramogodi near Ga-Rankuwa. He then attend-
ed primary school at Polonia Primary School and
matriculated in the year 2006 at Modiri High
School. He is a professional DJ and clothing label
founder, an entrepreneur in summary.
He shares that during his primary years he used
to have ideas about business but it only came to
fruition in the year 2011. “It started early 2011
when I used to post Facebook statuses about
the Dandatic idea, but then I realised that there
could be a business out of this because I saw
people being interested in the messages I used
to share”, said Letlhogonolo.
Apparently this is how the Dandatic clothing la-
bel came to being. Well known as Tricky within
the entertainment industry he now co-owns the
clothing label that is gradually growing since its
inception in the year 2011. He now runs his
clothing label with his partner and business as-
sociate Solomon Molebalwa who came in the
year 2012 to assist in growing the brand.
COVER STORY
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Describing his clothing wear he says,
“I took something negative and
turned it into something positive a
business idea” said Letlhogonolo. He
further elaborated that this is only
the beginning of greater things to
come as the label is only 4years in ex-
istence and is still working on it to
date since its humble beginnings. The
clothing line includes T-Shirts, Caps,
Hoodies and bucked hats. For those
who would love to own one of the
apparels can always visit clothing and
record stores like Hip Hop Joint, Fore-
al records and multi-racial records. It
is always inspiring when young peo-
ple conquer their fears by leaving
their dreams.
COVER STORY
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Besides running a clothing label he is a professional
DJ who has made a name for himself as a Soulful
House DJ; he is well known as Tricky L. Since then
he’s been playing in major gigs throughout South Af-
rica alongside local and international DJ’s like Vinny
da Vinci, Oskido, Louis Vega and Ralf Gum to mention
but a few. Tricky L
stands out from crowd
of DJ’s because of his
unique blend of music
with his clothing brand
that is on huge de-
mand. Let us call it en-
trepreneurship. Alt-
hough he did not study
business at school, he
highlighted that he
knows a bit about it
that helps him to man-
age his business.
He advised youngsters
about the importance
of having a bit of edu-
cational background related to what you are planning
to pursue as a business. “It is very important doing
some short course more especially for people inter-
ested in the entertainment industry, they should be
knowledgeable about what they are doing” He em-
phasised.
He attributes his success in music to his role model Vinny da Vinci whom he says played a pivotal role in him being where he is today. Vinny is like a brother to me, I can receive a random call from him anytime, he said. American rapper Shawn Corey Carter also in-spires him, “Jay Z is my ultimate inspiration because he also does what I do, he owns a clothing label and does Hip Hop music and DJ Sbu because of his work ethic”, Letlhogonolo said.
DJ Miggs, Positive K, and Nastee Nev also had a major
influence in his career by mentoring him within the
entertainment industry. He has been fortunate
enough to work at a record label, then known as Da
Joint in Tshwane were he started as a volunteer, he
then became a salesman selling records. From then
the owner after seeing his commitment and passion
promoted him to buying music from abroad. “That’s
when I realised
that music is uni-
versal because I
used to order LP’s
in Germany, New
York and France, I
then began to dis-
tinguish difference
of sounds and I
gained a lot of ex-
perience.”, he said.
He is a Disc jockey
who knows his mu-
sic very well; de-
scribing his selec-
tions as timeless
music that you can
listen to even after
5 years and still feel the same. He further said that his
music is soulful and touchy, with vocals, a bit of a
drum and bass line.
COVER STORY
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ccording to International Energy Agen-
cy, more than one-third of people in
the world start life without access to
electricity and clean fuels for cooking,
heating and lighting. The question that one asks
now is how can electricity affect economic growth
and does renewable ener-
gy pose opportunities for
entrepreneurs? Institute
of Development Studies
states that nearly 1.3 bil-
lion people, close to one-
fifth of the world’s popula-
tion, have no access to
electricity. Lack of access
to efficient modern energy
has a significant impact on
economic development
and small-scale enterprise,
educational opportunities,
infant mortality, gender equality and quality of life.
The above indicate that there is a gap in the market
for entrepreneurs to exploit and bring forth eco-
nomic growth. Renewable energies, such as wind,
solar, and geothermal technologies, increasingly
pose significant, if novel economic opportunities to
revitalise rural communities and steer them onto
cleaner, more sustainable paths. What has often left
out of public conversations, however, is how private
businesses and entrepreneurs might step up and
dare to navigate the renewable energy develop-
ment process, especially in communities that have
not hosted renewable
energy projects before.
There is an emerging
concept called sustaina-
ble entrepreneur
+ship, which provides an
informative lens for un-
covering insights about
how renewable energy
development can create
a “win-win” for both en-
trepreneurs and local
communities.
Sustainable entrepreneurship is defined as the ex-
ploitation of business opportunities to create goods
and services that sustain the natural and/or commu-
nal environment and provide economic and social
gains for others (Patzelt and Shepherd 2011).
Renewable energy pos-ing opportunities for Sustainable Entrepre-neurs
ENTREPRENEURSHIP
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in a 2013 review of 4,640 medical facilities in 11
countries in sub-Saharan Africa, 26% had no elec-
tricity. Doctors and midwives delivering babies use
whatever poor-quality lighting is available — kero-
sene lanterns, candles and even mobile phones —
or do it in the dark. New-borns can be scarred by
dripping candle wax. Mothers die from treatable
conditions. This makes us realise that entrepre-
neurship is not about wealth creation only but cor-
respondingly about bringing solutions to problems.
Whereas traditional entrepreneurship uses finance
and business acumen to transform innovations into
economic goods (such as new products or technol-
ogies) for business gains, by contrast, sustainable
entrepreneurship leverages those business skills to
transform environmentally-protective innovations
(such as renewable energy) into economic and so-
cial gains for the entrepreneurs and other relevant
groups, such as local host communities.
Even small interventions can save lives. When Laura
Stachel, an obstetrician in California, travelled to
northern Nigeria in 2008, her torch helped local
doctors to finish an emergency Caesarean section
when the power went out. Back home, she and her
husband developed a portable solar electric system
— a 'solar suitcase' — to provide power for lighting,
laptops, phones and small medical devices The sys-
tems cost about US$5,000, including transport, in-
stallation and training. Hundreds are now used in
clinics in 30 countries and have cut maternal deaths
by as much as 70% in some cases.
The global threat posed by climate change means
that we also face the pressing need to use less car-
bon in existing energy systems. Making progress on
both energy poverty and decarbonisation requires
a sharp increase in renewable electricity produc-
tion, both on and off-grid. The Evidence of Benefits
for Poor People of Increased Renewable Electricity
Capacity: Literature Review states that investments
in renewable electricity-generating capacity have
benefitted poor people.
Ensuring renewable energy benefits people living in
poverty rests on four factors:
Once electricity is generated, it needs to be reli-
ably fed into the system.
This additional supply must be made accessible,
and affordable, for poor people.
Increased electricity consumption then needs to
translate into poverty reduction.
Increased electricity supply can indirectly re-
duce poverty by boosting economic growth.
Rapid improvements in low-carbon energy technol-
ogies have made 'green growth' an attractive devel-
opment path for emerging economies, without ru-
inous increases in carbon emissions. In the past few
years, clean-energy alternatives have become prac-
tical and affordable in many places — often cheap-
er than the dirty and dangerous fuels currently in
use. The market for such products exists: an esti-
mated $37 billion is spent each year on kerosene
for lighting and conventional cooking fuels such as
charcoal — not far from the $48 billion a year
thought to be required to achieve universal access
to modern energy services.
Where financing opportunities exist, a new breed
of clean-energy entrepreneurs is emerging. The
Global Alliance for Clean Cook stoves, also led by
the UN Foundation, aims to create a global market
for clean and efficient household stoves, with the
goal of reaching 100 million households by 2020.
The alliance is working with nearly 1,000 public,
non-profit and private partners to drive invest-
ment, support entrepreneurs, conduct research
and enhance testing of clean stoves in dozens of
countries.
ENTREPRENEURSHIP
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Innovative financing is needed to overcome the
high capital cost of installing renewable-energy
systems. Investments in energy-access projects
and products must be coupled with assistance
in managing a growing business. Local banks
must become more familiar with energy technol-
ogies and with lending to small and medium-
size enterprises, including working capital to
support expansion.
The Global Alliance for Clean Cook stoves has
launched several specialized funds to help en-
trepreneurs to grow in the sector. Techniques
for channelling large-scale finance to multiple
small-scale projects are needed. 'Green bonds',
such as those issued by the International Fi-
nance Corporation, offer a low-risk investment
proposition to finance clean energy and low-
carbon projects and thus bundle and securitize
debt. Partial loan guarantees have also been
used to support energy projects. For example,
the African Development Bank provided a par-
tial guarantee for a wind-power project in Kenya
to protect against political risks of delay or de-
fault.
A few years ago General Electric welcomed in-
novation by inviting anyone to submit ideas for
“powering the grid” and “powering the home.”
GE and its venture capital partners received
5,000 business plans and invested $140 million
in a range of businesses. Many other compa-
nies like Heineken, Lufthansa and Unilever
have used contests and open innovation initia-
tives to try to solve problems in energy, water,
packaging and logistics.
Two mega challenges in particular -- extreme
weather (driven by climate change) and intense
pressure on resources -- are raising the cost of
“business as usual” and forcing deep changes
or what I’m calling a “big pivot” in how we oper-
ate. Entrepreneurs can pivot as well; they can
save money, reduce risk and drive innovation in
their own businesses. But more importantly,
they can ride the tide of deep shifts in markets,
help larger entities transition, and profit in the
process and help bring about a more prosper-
ous world. Humanity is facing new, enormous
pressures that threaten our ability to create a
thriving global economy.
ENTREPRENEURSHIP
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By Komane Golden
BE A CHAMPION
CONQUER YOUR
LIFE
BY LIVING
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EDITORIAL LETTER
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Annexure ads
Full Page
Sized Prod-
ucts
Half
Page
Sized
Prod-
ucts
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T here are a lot of peo-
ple working from
home and the number
of people who wanted
to jump on the same bandwagon
increases in fast pace. Working
from home gives you comfort and
flexible time. With this, you can
work even in your pyjamas and
you work on your own pace, free-
dom. You even get to dictate how
much you will earn for the day as
there are no limits. So long as you
know the value of hard work and
discipline, you are sure to earn as
much or even more than what
office workers do. You can work
soon after you wake up, in be-
tween chores or while you are
watching your children play.
Many people have different rea-
sons as to why they want to work
at home. One of the hippest
trends today when it comes to
venturing into business is a home
-business because of its practical
benefits to entrepreneurs.
Home-Based
ENTREPRENEURSHIP
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COSMETIC Starting a home based
cosmetic business is one
of the ideal investments.
Being passionate in crea-
tive artworks including
putting make up on face
can bring you a success-
ful business. You need patience, intelligence, time, and
effort to establish a business like this .Of course, passion
is not enough to start a home based cosmetic business.
You should also have knowledge on how to operate this
type of business. Establishing a home cosmetic business
is a gate way for those who are just staying at home all
day to earn additional income. If you are creative
enough and industrious, a wealth and proper estab-
lished cosmetic home business could even provide
enough profit to give a person sufficient disposable in-
come for financial independence. When you want to
build a business like this, the first thing you may consider
is the type of cosmetic products you are going to sell and
the environment or business location. It will be unreason-
able to start a luxurious cosmetic business in rural area,
where the majority are struggling soften slice of bread.
Therefore, you must create and examine a line of cos-
metic items. The items must perfectly be economical and
in demand or greatly enhance the items that already ex-
ist. Remember, customers provide you honest comments
regarding the quality and value of the products. So, offer
friends or other people to review the products and any
suggestions for improvement.
If you are planning to have a home
based business that can provide you
with several benefits, especially in tax,
so that you can really save a lot of mon-
ey then having a home-based business
is something to consider. In order for
you to ascertain the success in your
business, you should always implement
tax saving techniques. Just before you
start your business, it is very important
that identify the most beneficial setup
for it by simply consulting a tax attorney
or accountant. The following are some
of the benefits of working from home
according to INVESTOPEDIA: The tax
benefits of operating a home office can
be lucrative. If your situation qualifies,
you can deduct a portion of your home's
expenses, such as mortgage interest,
property taxes, utilities and repairs and
maintenance, against your business in-
come.
To qualify, your home office must be
your principal place of business and you
can only deduct the proportionate
amounts of the total expense which are
directly related to your business. Alt-
hough you cannot create a loss with
your home office expenses, you can car-
ry them forward to future tax years if
you do not have enough business in-
come to use them up in the current
year. Healthcare for you and for the em-
ployees is considered a deductible ex-
pense. But there are limitations in this
matter so you can check with a tax con-
sultant or accountant. There are other
possible deductions for a home based
business which include the business
portion of the home expenses. But in
order to know the amount you can
claim, you need to calculate the total
space used for the business.
“Entrepreneurship is not a career but a religion” Komane Golden Tshegofatso
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RECYCLING
Recycling is encouraged by the gov-
ernment in most of the countries.
That is why, recycling business not
only supported by government
agencies, it is also profitable kind of
business both in suburban and in
the city as well. While people do
the throwing of garbage out of their
household just to fill in the landfills,
why not try to turn their useful gar-
bage into cash?
This kind of business is not as hard
as other businesses, because you
can start doing this with a small
amount of capitalization, and you
may start collecting scraps just at
your backyard or even in your gar-
age. Determine how much the recy-
cling centres/companies buy each
kind of scrap. You can be competi-
tive in price even if you are just
new in this business if you do the
research of knowing the price of
each kind of scrap in your nearest
recycling centres. By doing this
step, it will help you determine how
much you are going to prepare for
your starting capitalization. Secure
all the necessary business docu-
ments and permits to make
your recycling business legal.
As this is one of the calls of the gov-
ernment to recycle, it will not be
hard for you to get your business
permit and any other licenses. Pre-
pare the place where you are going
to receive the recyclables. As scrap
has many varieties, segregate them
properly so it will not be hard for
you to transport these to the recy-
cling centres/companies where you
plan to sell your collected scrap.
Do the advertisement. For the
meantime that you are starting up,
let your neighbourhood know that
you are going to open up a recy-
cling business in your vicinity. This
will be helpful for them for they will
no longer go far to sell their usable
scrap from home. Making your
business known in your area will
make your market bigger.
TYPING
One way is by typing documents at home. You‘ll
love it because you don’t have to travel to and
from work every day or deal with difficult bosses
and all you need is internet connection and that
writing skill you already have in you. Typing docu-
ments at home is surely promising and is easy to
do too. Your clients here would be mostly stu-
dents and profes-
sional who need
their documents
prepared profes-
sionally in terms
of form and con-
tents.
However, it is not something that you can do
whenever you feel like it. There are preparatory
steps that have to be done for you to be able to
break into the market. First step is of course look
for writing opportunities.
When searching through different work opportu-
nities, you have to remember your expertise and
your schedule. When you are already confident
about your skills in typing documents and has
been getting positive feedbacks from clients, it’s
time to take it to the next level. Looking for more
clients will be your way to earn unlimited profits.
As the bulk of clients for this type of job can be
found online, you have to be extra patient about
searching through online pages that cater to this
service. Also, make your services known by
posting on your online page about it. Better yet,
create your very own website where you and
your possible clients can communicate.
PRINTING BUSINESS
If you are looking for ways to secure your family’s future, the business
that is ideal for you is the PRINTING business from home. The major ad-
vantage of this kind of business is the ability to cut a large amount of cost
when it comes to renting an office or operation space. In order for you to
finally get started in this business venture, you need to get the following:
toner, paper cutter, paper,
and digital printer. Of
course, the first thing,
which you need to pre-
pare, is the business plan
that discusses all the issues
and details concerning
your business.
According to Investopedia, more than 50% of all new businesses
fail. If you have had to put money out for office space and other
fixed costs right off the bat, a start-up failure can be costly. Work-
ing from a home office allows you to test out a new business with-
out a lot of overhead. This way, you can determine its viability be-
fore investing a lot of money. Maya Angelou said, “When you
know better you do better.” With the above, as Circle of Concern
we hope that we have ignited your entrepreneurial individual and
gave you knowledge that will be used as a weapon towards eco-
nomic emancipation and financial freedom. “Unless you try to do
something beyond what you have already mastered, you will nev-
er grow.”
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According to Investopedia, more than 50% of all new businesses
fail. If you have had to put money out for office space and other
fixed costs right off the bat, a start-up failure can be costly. Work-
ing from a home office allows you to test out a new business with-
out a lot of overhead. This way, you can determine its viability be-
fore investing a lot of money. Maya Angelou said, “When you
know better you do better.” With the above, as Circle of Concern
we hope that we have ignited your entrepreneurial individual and
gave you knowledge that will be used as a weapon towards eco-
nomic emancipation and financial freedom. “Unless you try to do
something beyond what you have already mastered, you will nev-
er grow.”
“Logic will get you from A to B. Imagination
will take you everywhere” Albert Einstein
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Purpose of Act:
The purposes of this Act are to promote and advance the social and economic welfare of South Africans, pro-
mote a fair, transparent, competitive, sustainable, responsible, efficient, effective and accessible credit mar-
ket and industry, and to protect consumers, by-
(a) promoting the development of a credit market that is accessible to all South Africans, and in particular to
those who have historically been unable to access credit under sustainable market conditions;
(b) ensuring consistent treatment of different credit products and different creditproviders;
(i) encouraging responsible borrowing, avoidance of over-indebtedness and fulfilment of financial
obligations by consumers;
(ii) discouraging reckless credit granting by credit providers and contractual default by consumers;
(d) promoting equity in the credit market by balancing the respective rights and responsibilities of credit
providers and consumers;
(e) addressing and correcting imbalances in negotiating power between consumers and credit providers by-
(i) providing consumers with education about credit and consumer rights;
(ii) providing consumers with adequate disclosure of standardised information in order to make in
formed choices;
(iii) providing consumers with protection from deception, and from unfair or fraudulent conduct by
credit providers and credit bureaux;
(f) improving consumer credit information and reporting and regulation of credit bureaux;
(g) addressing and preventing over-indebtedness of consumers, and providing mechanisms for resolving
over-indebtedness based on the principle of satisfaction by the consumer of all responsible financial obliga-
tions;
(h) providing for a consistent and accessible system of consensual resolution of disputes arising from credit
agreements; and
(i) providing for a consistent and harmonised system of debt restructuring, enforcement and judgment,
which places priority on the eventual satisfaction of all responsible consumer obligations under credit agree-
ments.
To promote a fair and non-discriminatory marketplace for access
to consumer credit and for that purpose to provide for the gen-
eral regulation of consumer credit and improved standards of
consumer information; to promote black economic empower-
ment and ownership within the consumer credit industry; to pro-
hibit certain unfair credit and credit-marketing practices; to pro-
mote responsible credit granting and use and for that purpose to
prohibit reckless credit granting; to provide for debt re-
organisation in cases of over-indebtedness; to regulate credit
information; to provide for registration of credit bureaux, credit
providers and debt counselling services; to establish national
norms and standards relating to consumer credit; to promote a
consistent enforcement framework relating to consumer credit;
to establish the National Credit Regulator and the National Con-
sumer Tribunal; to repeal the Usury Act, 1968, and the Credit
Agreements Act, 1980; and to provide for related incidental mat-
ters.
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M ost small businesses ask a
common question, which is
how can I improve my mar-
keting with no or little money? According to Forbes
magazine, the Internet has drastically altered the
way in which information is shared, and has had a
profound impact on marketing. An article on
Forbes stated, “There is a sense that from the hy-
per-connectivity of our highly-digitised lives to the
bright, flashy, complicated sensory input we’re fed
everyday, there is no way to continue at this pace.
Most successful marketing strategies will be ones
that are not only simple in nature, but promote
goods and services that serve to simplify the con-
sumer’s life, or even just their customer experi-
ence.” This article aims at simplifying the most
effective marketing strategies for small businesses
Effective marketing
strategies for small
businesses
ENTREPRENEURSHIP
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Companies advertise their products for a number of
reasons. The basic idea is to introduce and promote
the product for sale, which is the dominant reason.
When a company launches a new product, it adver-
tises the product in order to create awareness and
consumer interest. Some compa-
nies advertise their products to
change attitude of the custom-
ers, to make the product
‘upmarket’ or to subside some
widely held perceptions about
the product. When the products
get old, the idea behind advertisement is to reas-
sure and remind the customers about the products.
Companies also tend to advertise their products to
offset the products launched by the competitors.
Social media is about connecting with the people in
your niche: customers, potential customers, people
who are interested in what you do, etc. It’s about
building relationships and networking, not selling,
although that does come as a result. Establishing a
presence on the Internet even if you have a physical
store is critical. Create an interactive, regularly up-
dated site or blog, or by build informative yet infor-
mal profiles on social networking sites like Facebook
or Twitter. Being active on social media sites will not
only increase brand awareness, it will also boost
your company’s rank on search engines, and prove
that you are a business that is in sync with the
times. Join as many Linked-In groups as you can that
are related to what you sell and
post a question or tip on a regu-
lar basis. If you have a blog or e-
newsletter, post an announce-
ment to your Linked-In groups
with a link whenever you re-
lease a new issue or blog
posting. It is free; you will be recognised as a leader,
and reach thousands of business people interested
in your field.
Turn to those in your field for the “low hanging
fruit”. Find larger companies or older, more experi-
enced businesses and invite them to lunch. Ask
them to consider referring their smaller cases or
business they don’t have time to handle, to you.
With every successful referral send them a hand
written thank you card thanking them for their sup-
port. This will help you build your client base with-
out having to spend a lot on advertising.
Being active on social media
sites will not only increase
brand awareness, it will also
boost your company’s rank on
search engines, and prove that
you are a business that is in sync
with the times.
ENTREPRENEURSHIP
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There is nothing like entering a business award com-
petition to strengthen the reputation of your small
business. Winning an award can catapult your repu-
tation within your industry and with the sales audi-
ence you aim to attract. Many competitions cost
nothing to enter – except for the
time it takes to prepare your entry.
Professional and trade organiza-
tions, chambers of commerce,
Better Business Bureaus, universi-
ties – even churches are all organi-
zations that host business competitions. Keep your
eyes open for opportunities. Don’t forget, the secret
to winning is taking the time to prepare well-written
entries. The rewards for winning a business award
can last seemingly forever. Brag about winning on
your website; send a letter to clients; post the award
in your office or store so whoever comes in will see
it. And of course, send out a press release and get
your picture in the paper!
Seriously consider starring in your own YouTube Se-
ries. Take your product or service and dramatize it
through a simple, homemade YouTube movie. Go a
step further and script out a four-part series that you
can post on your website. Study the ad campaigns
that get people’s attentions and come up with some-
thing of your own — unique counts. Virally spread
your marketing message by making sure influential
local bloggers see your video.
As consumers are hit with an increasing number of
advertisements, it’s becoming more important to
make content easily and quickly digestible. There is a
rising emphasis on images. The rapid rise to success
of Buzzfeed and Pinterest are testaments to the
power and viral potential of image-based content.
Successful blog posts that receive the most social
shares also usually have a common characteristic:
they pepper in some well-placed pictures to break
content up and emphasize certain
points. Another example is in-
fographics, which combine images
with a minimal amount of text to
explain a topic and provide statisti-
cal information or data from re-
search studies. It’s pretty clear that incorporating
images is beneficial to a marketing campaign. Due to
the widespread (and quickly growing) use of
smartphones and tablets, it’s necessary for compa-
nies to create content that’s accessible to mobile
users.
Online map listings are essential for businesses as
well, with brick-and-mortar locations. They are the
first thing people see on search engines. They offer a
concise snapshot of business info so customers can
easily contact you or visit your store. And best of all,
they don’t cost any money! Make sure your business
is on Google+ business, as well as all the local review
sites and other map listings you can find.
As a small business it is very vital that you consider
the way you brand your business as it may be a de-
ciding factor on whether your business succeeds or
fails. How your customers view your business will
determine whether they will prefer your business to
your competitors, therefore, having a good mar-
keting strategy may lead to the success of the busi-
ness.
Don’t forget, the secret to
winning is taking the time to
prepare well-written entries.
The rewards for winning a
business award can last
seemingly forever.
ENTREPRENEURSHIP
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Manchester United Football
Club listed on a stock ex-
change.
YES, the English Red Devils listed on the New York
Stock Exchange’s Euronext. The club first went pub-
lic in 1990, but it was delisted when American busi-
nessman Malcolm Glazer acquired full ownership of
the stock-much to the distaste of the Manchester
United faithful. The Club is now back on the stock
exchange, this happened in 2012 as a means to
raise capital. Therefore, you can imagine what hap-
pens to the stock when the club’s performance is
shaky... at the time of writing, the stock traded at
$16.62 with a market capitalisation of $2,72Bn.
South African Smartphone
A joint venture by two South African companies,
Seemahale Telecoms and CZ Electronics promises
the first South African designed and manufactured
Smartphone in the second quarter of this year. The
project was first announced towards the end of
2013, and now it seems closer to being a reality
with other parties buying into the project. The
phone will run on an Android operating system and
will be priced lower than others of its standard ac-
cording to the companies. South Africa will now
have its own footprint in the smartphone market.
Ford
Ford motor company is the only company of the
then big three American automakers not to receive
a government bailout or file for a chapter 11 reor-
ganisation following the financial crisis that had
many companies with their backs against the wall.
This was despite the fact that Ford had been facing
a financial crisis of its own prior to the automotive
industry crisis of 2008–2010, and their Chief Execu-
tive was relatively new to the industry. General Mo-
tors and Chrysler both filed for bankruptcy, listing
approximately $121,600,000,000 (2009 figure) in
assets combined.
Twitter Profit
Twitter Inc., the NYSE listed company has never
turned a full year profit in its history…never. De-
spite this, the Silicon Valley Social media company
went on to list on a stock exchange in 2013. Its
founders became billionaires, but there is a nagging
question of what the investors see in a company
that has never turned a profit. Operating in an in-
dustry where advertising revenue is the main reve-
nue stream. Also, Facebook and Google are domi-
nating this market in terms of competition for reve-
nues. We will wait and see if Twitter can survive
and possibly turn a profit one day.
Common Currency-SADC
There is a deliberation that countries that form part
of the Southern African Development Community
(SADC) should have a common currency. This would
mean that hustles when visiting other countries in
the SADC region when it comes to money are
avoided. The initial goal was that by the year 2016
this should be achieved, but analysts argue that this
is unrealistic at the moment. A similar move is
when the European Union introduced the Euro to
its member countries. It would sure be pleasant to
know that I don’t need to buy another currency in
order to be able to make purchases abroad.
By Athi-Nkosi Majavu
INFORMATION
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Yahoo Inc.
For the first time in nine years, Yahoo will not make it to the
fortune 500 list of America’s largest corporations (measured
by revenue), according to Fortune. This owes to the fact
that in 2013 revenue fell 6%, to $4.68 billion. This in turn is
due to the loss of popularity among users and subsequent
loss of advertisers citing that the technology behind Yahoo's
tools is very old-fashioned. It is very unfortunate for Marissa
Mayer that this had to happen under her leadership.
INFORMATION
@CoC Magazine
Follow Us
Comment on
CIRCLE OF CONCERN MAGAZINE
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How to make money
with
Y ou may or may not Already now this, but YouTube’s
Partner Program is an initiative by the Google-owned video-streaming platform to help creators develop skills, build audiences and crucially to earn some bucks. YouTube is a lucrative goldmine and is making its users millions of dollars every year. According to analytics company SocialBlade, those homemade videos are earning some users over $16 million a year. Uploading a video clip on YouTube of your friends getting up to, mischief can win over a cooing international audience and earn big money. YouTube was one of the first sites to pay its users, and while it is hard to make money unless you generate a lot of traffic, it is possible. Some people even make a living.
ENTREPRENEURSHIP
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How to make money
with
The YouTube Partner Program is currently available
in Argentina, Australia, Brazil, Canada, Colombia,
Czech Republic, France, Germany, Ireland, Israel, Ja-
pan, Mexico, Netherlands, New Zealand, Poland,
South Africa, Spain, Sweden, United Kingdom and
the United States.
Therefore, you are probably wandering how you can
start making money out of your homemade videos. It
is all through the advertising run on the clips. Users
have to enable their clips for monetisation in the
settings. YouTube will then have to approve your vid-
eo and link to your Google AdSense account to start
earning money.
Before you get carried away, YouTube will NOT let
you make money off your video if it contains content
that you didn't create or get permission from its cre-
ator to use; shows people from whom you did not
get permission; has content that would be inappro-
priate for children. This means that you cannot rec-
ord yourself or friends singing songs that you did not
get permission to cover. Therefore, those people
that were thinking of singing Beyoncé’s songs can
rethink their strategy.
You will not start making money until at least 1000
people have clicked on your ad-running clip. From
there what you earn can depend on what ads are on
it.
A man from the UK left his job as a barman to earn
his crust from YouTube by uploading a 20-minute
gaming clip every day from his bedroom. Most peo-
ple would thought he was mad, deluded or plain lazy
but Joseph Garrett (known as Stampylon) is now set
to make up to $11.2 million a year.
YouTube claims its technology can predict when a
video is about to go massive. They also say that they
contact owner and offer to start serving up advertis-
ing, so they can make money from a one-week sen-
sation.
“If you’re willing to work hard and create videos that
entertain, inspire, educate and amaze, then you can
find success on YouTube. Whether you’re a novice or
a mogul, we’re committed to helping you meet your
goals as a YouTube partner,” YouTube said. What
does this mean for young people and filmmakers?
Grab the camera and hit that recording button to
start earning some YouTube money!
ENTREPRENEURSHIP
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Tell us more about it and we will feature
your business in the next month’s copy. SEND YOUR BUSINESS PROFILE TO:
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i t is not surprising when
Bidvest snaps up most com-
panies, with their recent no-
table acquisition being an
increase in their holding in Ad-
cock Ingram. We are not aston-
ished because
Bidvest has asserted
itself as a giant con-
glomerate reporting
revenue of R153.4bn
that grew by 14.9%
in financial year
2013. Bidvest is not the subject of
topic here. The technology indus-
try is, in a class of its own in
terms of diversification, which
includes engineering, science,
electronics etc. From the early
steam engine automobiles to the
latest smart TV, we have come a
long way.
This diversification calls for some
boundaries for players in the in-
dustry, especially the ones that
have access to enough money to
spend on anything they desire. A
couple of companies seem to un-
derstand these
boundaries when it
comes to mergers
and acquisitions.
When Ford motor
company was look-
ing to grow their
reach between the
years of 1999 and 2001, they ac-
quired companies and brands of
their own kind in both Volvo and
Land Rover. Another good exam-
ple is a South African company
Famous Brands whose acquisi-
tions show intentions of growth
within their sector, with their
most recent being the 70% stake
in Wakaberry.
This is an effective and proven
growth strategy to becoming an
influential business but that does
not necessarily mean that it will
always work some went astray.
We cannot say the same, for
companies like Facebook and
Google, whom one may say are
experiencing an identity crisis,
causing constant headaches for
cautious investors. Some of the-
se, and other similar acquisitions,
have resulted in purely software
companies moving into hardware
products-Google’s acquisition of
Motorola mobility in 2011-and
vice versa-HP’s purchase of Blue-
stone software and others before
that. Moreover, some just do not
make sense like Facebook’s ac-
quisition of Oculus VR Inc.
IDENTITY CRISIS IN TECHNOLOGY
When Ford motor company was
looking to grow their reach be-
tween the years of 1999 and
2001, they acquired companies
and brands of their own kind in
both Volvo and Land Rover.
LIKE US ON
CIRCLE OF CONCERN MAGAZINE
TECHNOLOGY
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Have these companies forgotten
their identities? Are
they on a spending
spree to show that
they have money?
What will happen to
their core business or
service? These ques-
tions arise because most of those
companies keep moving farther
away from their core business or
services with some having migrat-
ed completely from their core
business, for example, Anglo
American Plc. no longer has any
ties with gold mining that was its
core business when was founded
in South Africa back in 1917 as
Anglo American Corporation. An-
glo may not be a technology com-
pany, but you understand the ar-
gument thus far.
Yahoo! Inc., an American multina-
tional Internet corporation, glob-
ally known for its Web portal,
search engine Yahoo Search, and
related services, including Yahoo
Directory, Yahoo Mail, Yahoo
News, Yahoo Finance, Yahoo
Groups, Yahoo Answers, advertis-
ing, online mapping, video shar-
ing, fantasy sports and its social
media website. It is one of the
most popular sites in the United
States (Wikipedia stated). This
internet giant, like its Silicon Val-
ley counterparts, has been on a
shopping spree; spending around
$ 1.4 billion to acquire 37 compa-
nies, with their biggest purchase
being social software start-up
Tumblr for
which they paid
$ 1.1 billion. De-
spite these
growth efforts
of the company,
2013 revenue
fell 6%, to $ 4.68 billion. The ques-
tion that arises is where is proof
that Yahoo! is now bigger than it
was in the 2012 financial year?
$1.3 billion was spent and where
are the results? On the other
hand, advertisers complain that
the technology behind Yahoo's
tools is obsolete.
Why they work on modernising
assets directly linked to the gener-
ation revenue instead of spending
money on growing away from
their core market? Focusing on
increasing their user base, which
is paramount to advertising reve-
nue growth, would that do Yahoo!
any harm? As it is clear that these
acquisitions are not for profit in-
tensification, are they for compe-
tition elimination? This is unlikely
because competitors to Yahoo!
are Google and Facebook, and it is
not buying them.
Is growing wider truly the best
growth mechanism in the 21st
century, having one’s foot in
many distinguished sectors? Have
these previously small technology
companies decided that they
want to become technology
“conglomerates”?
These questions are yet to be an-
swered, but knowing of at least
one company that forgot its core
market and ended up being a
chaser in a different market, their
business model perhaps did not
work well and ended up on the
back foot of many players in that
industry.
This is a dangerous game and only
those with big money can play.
Facebook said that the acquisition
of WhatsApp supports Facebook
and WhatsApp’s shared mission
to bring more connectivity and
utility to the world by delivering
core internet services efficiently
and affordably.
Further, the combination will help
accelerate growth and user en-
gagement across both companies.
Considering that the Menlo Park
company’s main revenue stream
is advertising, how the acquisition
of WhatsApp will contribute to-
wards growing Facebook’s reve-
nues going forward is what we are
yet to see. It becomes exciting
when one thinks about it this way.
TECHNOLOGY
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To add to its string of significant
acquisitions, Facebook has pur-
chased Moves. Moves is a free
app that logs users' daily exercise
and fitness routines. It also keeps
track of places visited, with a map
showing where users have been
throughout the day and how they
got there. “Today, we're delight-
ed to announce that Facebook
has acquired our company and
the Moves app. Since we
launched Moves, we’ve been fo-
cused on running a simple and
clean activity diary that millions
of people have enjoyed using”
The Finland startup, ProtoGeo
Oy, posted the news in a blog
post on Thursday (24-04-2014).
Looking back to when Facebook
was incorporated, it surely has
changed significantly, hopefully
for the best.
It makes more sense if these Sili-
con Valley companies, which
have a common revenue model,
were making acquisitions, which
would introduce more revenue
streams to their financials. Silicon
Valley is a nickname for the South
Bay portion of the San Francisco
Bay Area in Northern California,
United States. It is home to many
of the world's largest technology
corporations, as well as thou-
sands of small start-ups. It is to
technology companies what Wall
Street is to financial markets.
Only time will tell if these tech-nology giants are going through an identity crisis or simply adapting to the rapidly changing business environment. We will be watching on the sidelines.
TECHNOLOGY
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Black Economic Empowerment (BEE) has emerged as the premier
policy instrument to redress the socio-economic inequalities created
by the apartheid system in South Africa. BEE has evolved from a ru-
dimentary concept that was casually coined outside government in
the 1990s to being the policy instrument du jour of the post 1994
democratic dispensation. BEE has received critical attention culmi-
nating in its institutionalisation through a BEE Council, an Act of Par-
liament, and a policy framework to facilitate its implementation. The
institutionalisation of this concept across government policy and
practice settings, including, in particular, the government’s drive to
restructure its enterprises, has accentuated BEE’s important role in
the government’s reconstruction and development agenda.
The BBBEE Act is not enacted against any company; however, gov-
ernment institutions and parastatals are required to comply with it.
However, if a certain company wants to do business with the gov-
ernment, it has to prove its BBBEE credentials first. At the same
time, a company can improve its BBBEE rating by doing business
with other companies with high BBBEE ratings. We call it a redress,
giving previously disadvantaged individuals an opportunity to partici-
pate in the economic activities of this country.
A key objective of this act is to promote the growth and sustainabil-
ity of small business in order to grow the country’s economy. This is
why they are not forced to implement BBBEE codes as they may fail
to prosper in an environment in which larger companies can easily
comply.
Businesses have thus, been classified as Exempted Micro Enterprise
(EME), Qualifying Small Enterprise (QSE) and Generic Enterprise.
The 7 elements of the BBBEE score-
card are as follows:
1. Ownership Equity is the effective
ownership of a business by black
people who have voting rights and
economic interests in the organi-
sation.
2. Management Control refers to the
amount of decision making power
and strategic control that is in the
hands of black people.
3. Employment Equity refers to the
demographics of the organisa-
tion’s employees and how they
balance out throughout the organ-
isation.
4. Skills Development is the type of
training given to black employee
as well as the amount of money
annually on this training.
5. Preferential Procurement forces
companies to look into their sup-
plier’s BEE credentials.
6. Socio-Economic Development is
the monetary and non-monetary
contributions made by the compa-
ny to beneficiaries, 75% of whom
should be black, which promotes
them to have more access to the
economy.
7. Enterprise Development deals with
developing entreprises mostly
small ones.
Is B-BBEE still relevant?
LAWS
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The Act was assented to on 7 January 2004 with the
aim of establishing a legislative framework for the
promotion of black economic empowerment as well
as to empower the Minister of Trade and Industry to
issue codes of good practice and to publish transfor-
mation charters. The Act recognises that in the past
race was used to deny the majority of the population
access to the formal economy’s resources and em-
ployment opportunities, including the opportunity to
acquire advanced skills. As a consequence, black peo-
ple were assigned to low-income occupations by de-
fault. The preamble goes further to indicate that if
steps are not taken to address this race-based ine-
quality the very future and economic prosperity of
the Republic and all its people, regardless of race,
may be in jeopardy.
On the other hand, the question of enrichment versus
empowerment quickly entered the mainstream BEE
debate, as the political elites were in the main the
major beneficiaries of the BEE deals struck to date.
Ernst & Young revealed that 60% of the value of the
total BEE deals struck in 2003 valued at R42.2 billion
accrued to just two companies controlled by Patrice
Motsepe, brother-in-law of another ex-politician be-
come BEE entrepreneur, Cyril Ramaphosa, and yet
another ex-politician, former Gauteng Premiere, To-
kyo Sexwale.
According to economist Azar Jammine many of these
supposedly BEE companies are actually still being run
by whites, and yes, you have got a nice *black+ guy at
the top and couple of directors, but the actual busi-
nesses are still being run by white people, to me
that’s not empowerment, that’s just enrichment –
and it’s a very important distinction. Moeletsi Mbeki,
brother of Former President Mbeki, considers BEE to
be a white invention meant for “co-opting – and per-
haps even corrupting – ANC leaders by enriching
them as private individuals. The objective was to play
on the leaders’ weaknesses of many years of depriva-
tion in prisons and in exile by dangling in front of
them unconceivable riches that would be given to
them by the oligarchs, all for free.”
The acuteness of this claim manifests itself in argu-
ments that point out that, since only the political elite
have materially benefited from the majority of BEE
transactions to date, there is no such thing as a black
middle class. Too few of the black masses have bene-
fited from BEE equity transactions for such a phe-
nomenon to arise. The development of a black middle
class is not solely a function of BEE equity transac-
tions alone, but rather of all the elements of BEE, i.e.
employment equity, preferential procurement, enter-
prise and skills development. The black middle class
was already in existence by the Eighties and com-
prised black professionals such as doctors in private
practice and store owners. One need only look at the
affluent parts of townships around the country as evi-
dence of this, prime examples being Diepkloof Exten-
sion in Soweto and Hospital View in Tembisa.
LAWS
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The children of this black middle class attended pri-
vate schools and Model C schools (when these be-
came accessible to black people) and went on to
university and obtained degrees. They could hold
their own spears against their white counterparts
and hence would have thrived even in the absence
of BEE. After all, their parents managed to triumph
against the far greater obstacles caused by the socio
-economic scourge of apartheid.
In other words, the mere removal of apartheid laws
coupled with real economic growth created favour-
able opportunities for economically well-placed
black people to bolster their wealth and indeed the
numbers of the black middle class. Consequently,
broad-based black economic empowerment as rep-
resented by its seven elements merely contributed
to the acceleration of the advancement and growth
in the wealth and numbers of the black middle class
during the past 20 years. Thus, BEE alone, even in
the broader context cannot singularly explain the
existence or the growth of the black middle class.
With the advent of a new government, the econom-
ic elite were acutely aware that their existing politi-
cal relationships with the previous government
would be of little economic value to them. Hence,
new relationships had to be forged with the new
political elite, and BEE gave them the opportunity to
forge these relationships quickly. Economist and
BEE researcher Duma Gqubule accepts that the po-
litical elite have benefited disproportionately from
BEE equity transactions, but she blames white capi-
talists, accusing them of being engaged in a ”cynical
and calculated move to buy political influence” to
protect their economic interests (cited in Mail &
Guardian Online, 2005).
Is B-BBEE still relevant? Or can the government for-
mulate a new policy that will ensure socio-
economic growth and not be used by the elite to
continue to be wealthier through interaction with
the government? It is evidential that only a few
have benefitted from this policy and maybe this
should be an alarming notice to the government
that they need to do some changes in order to
reach a point where there is a “better life for all”.
"The majority of men meet with failure because of their lack of per-
sistence in creating new plans to take the place of those which fail."
Napoleon Hill
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HOW TO WRITE
PETITION TO
PARLIAMENT?
Section 56 (d) and 69 (d) of the
Constitution of South Africa pro-
vides for the National Assembly
and the National Council of Prov-
inces to receive petitions, represen-
tations or submissions from any
interested persons or institutions
regarding any matter.
WHAT IS A PETITION? A petition is a formal request to Parliament for in-tervention in a matter. It can take the form of a request for assistance either with a specific issue or for the redress of a grievance. A petition is a way of making your voice heard after a Bill has be-come a law and may be a request for a change in that law.
INFORMATION
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WHY PETITION?
Public input in law-making, oversight and other processes of Parliament is a significant constitutional provision of our de-mocracy. Parliament has developed a number of ways to pro-mote public participation in the work of the institution. One way the public can exercise their right to participate in Parlia-ment is through submitting a petition. Procedures for dealing with petitions are set out in the rules of the National Assembly and the National Council of Provinces.
TYPES OF PETITIONS There are generally two types of petitions, namely special peti-tions and public or general petitions. A special petition is when an individual makes a specific request or asks for personal relief from the State, which is not authorised by law, such as access to a pension. A public petition is when a group of citizens with similar interests request general relief or redress of a grievance.
LANGUAGES OF PETITION You are allowed to use language of your choice but it should be one of South African official languages. The parliament is mainly dominated by MPs speaking Xhosa, Zulu or Sotho. The parlia-ment encourages you to summaries your petition in English.
PRESENTATION OF A PETITION According to the Constitution, “Everyone has the right, peace-fully and unarmed, to assemble, to demonstrate, to picket and to present petitions.” However, there are certain procedures that individuals and/or groups have to follow when petitioning Parliament. The presentation of petitions is governed by the rules of Parliament. The National Assembly requires that a Member of Parliament (MP), for consideration, formally pre-sent a petition. Therefore, an MP must support the petition. You are entitled to approach any MP by contacting them or by visiting the Constituency Office closest to you to seek their as-sistance with presenting a petition on your behalf. The National Council of Provinces (NCOP) does not require that an MP sup-port a petition. However, a petition submitted to the NCOP should be in the form prescribed by the Chairperson of the Council. The rules of the NCOP do not draw a distinction be-tween special and general petitions.
INFORMATION
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HOW TO WRITE A PETITION A petition should comply with the following requirements: Be in a form prescribed by the Speaker of the National Assem-
bly (NA) or the Chairperson of the National Council of Provinces (NCOP);
Include the name/s and contact detail/s of the petitioner/s; Clearly indicate the intended recipient of the petition (to whom
is the petition being addressed); Clearly indicate the nature of the request being made (the sub-
ject of the petition); Include a clear motivation for the petition; The petition must be in any of the official languages of South
Africa; Be signed by the petitioner(s) themselves (unless the Speaker or Chairperson decides otherwise); Not contain improper or disrespectful language; and Must indicate the nature of the relief (assistance) asked from
Parliament
HOW TO SUBMIT A PETITION IN PAR-LIAMENT? It is advisable that you talk to an MP before submitting your peti-tion as they can assist you with the format and content of your peti-tion. If there are supporting documents on the issue raised by the petitioner(s), attach them to the petition. Your petition will be lodged with the Secretary to Parliament to review it and confirm that it is correct in format and content, and then submitted to the Speaker of the National Assembly or the Chairperson of the Nation-al Council of Provinces. If the petition complies with all the requirements, it will be tabled in Parliament. If it is a special petition, it will be referred to the Committee on Private Members’ Legislative Proposals and Special Petitions in the NA or the Select Committee on Petitions and Mem-bers’ Legislative Proposals in the NCOP. If it is a petition of a general nature, it will be referred to the relevant Portfolio or Select Com-mittee(s) that deals with the issue(s) raised in your petition. An ap-proved format for your petition may be obtained from Parliament’s Clerk of the Papers. Once you have drafted your petition, it must thereafter be handed in at the office of the Clerk of the Papers.
INFORMATION
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Circle of
ECONOMICAL
POLITICAL
SOCIAL
A W A KE NI NG TH E M A S S E S | E DU C AT I NG O U R N AT I O N
A page dedicated to political, social and economical de-bates for young people. Its time we acknowledge the fact that problems we are currently facing cannot be solved using one perspective, consolidating them will easy our way to economic emancipation
I do not think it
is relevant to
make entrepre-
neurship a
school subject
because when
you get to varsi-
ty you get those
modules. There
are different
types of entre-
preneurship
books that one can read to know about it. I understand
that it is important to know something about business
but learning when you get to varsity is the best way. I
think entrepreneurship is included in subjects like busi-
ness studies. Even if entrepreneurship is broad, the ba-
sics of it are included in business studies.
Mothiba
Do you
view entre-
preneurship
as a focus?
The you
should dis-
cuss the
view that bias people have with-
out acknowledging the theory
based behind the focus
DEBATE
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We should make it a school subject. Most
young people only want to be employed after
their tertiary education because it is what they
grew up with. If we can install entrepreneur to
our little brothers and sister at the younger
age, they will grow up with it and become the
better business people. I think we should start
it at grade 7 to give these kids alternatives if
they cannot find jobs after their schooling
years. We need to plant the tree and ensure
that these roots are well cemented. Most of
successful entrepreneurs started it at younger
age and if we can equip the coming generation
then we can grow our economy and be devel-
oped as well. Creation of employment is anoth-
er reason.
Thabo
LET’S TALK MZANZI
June Question
Can youth subsidy save us from unemployment?
Send your comment to: [email protected] WhatsApp the answer to: 074 955 1704
Comment on
CIRCLE OF CONCERN MAGAZINE
DEBATE
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OUR PARLIMENT
PARLIAMENT OF SOUTH AFRICA Parliament consists of two Houses, namely the National Assembly (NA) and the National Council of Provinces (NCOP).
THE NATIONAL ASSEMBLY (NA) The NA is elected every five years in national elections. During the elections voters choose whom they want as their repre-
sentatives by voting for the political parties of their choice.
THE ROLE OF THE NATIONAL ASSEMBLY The NA has a constitutional mandate to:
1. Law-making Role One of the main functions of the NA is to make the laws by which the country is governed. The NA refers Bills to Committees for processing and debates Bills. The NA can approve, reject or refer Bills back to the Committees for further discussion.
2. Oversight Role Parliament has a responsibility to scrutinise, monitor and oversee the actions of government or any other organ of State, in
respect of the implementation of laws, the application of the budget, and the observance of the Constitution. Parliament keeps the Executive accountable by approving budgets, through asking parliamentary questions, having parliamen-
tary debates about important issues and by proposing and voting on motions relating to the work of government. 3. Elect the President
The NA has a constitutional mandate to elect the President of South Africa from among its Members.
THE COMPOSITION OF THE NATIONAL ASSEMBLY The NA consists of 400 elected Members of Parliament (MPs). Members of the NA are elected through a system called propor-
tional representation. Before an election, each party draws up a list of candidates in order of preference. These candidates are then elected in propor-
tion to the number of votes the party wins in the election. For example, if a party wins half the votes, it will hold half the seats in the NA.
OFFICE BEARERS OF THE NATIONAL ASSEMBLY
Presiding Officers At the first sitting of the NA, the members of the NA elect the Speaker and the Deputy Speaker who are referred to as the Presiding
Officers of the House. The Presiding Officers are entrusted to run the affairs of the NA. The Speaker and Deputy Speaker of Parliament preside over the meetings of the NA. They make sure that Members of Parliament speak freely, but adhere to the rules of the House.
House Chairpersons The rules of the House make provision for House Chairpersons to assist the Presiding Officers in performing their work. The House
Chairpersons may also be required to preside over sittings of the House.
The functions of the House Chairpersons include: Co-ordinating the work of Committees
Preparing reports on legislation
Co-ordinating oversight activities of the Committees
Providing political and strategic support to the Presiding Officers.
Chief Whips Each political party in the NA elects a Chief Whip to run its affairs. The whips look after the Members of their respective parties. Leader of Government Business
The President appoints a Leader of Government Business who works with the office bearers of both Houses. The Leader of Government Business is responsible for looking after the interests of the Cabinet and Government business in
Parliament. The Leader of Government Business ensures that Cabinet Members attend to their parliamentary responsibilities.
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BOOKS For Aspiring Entrepreneurs
BOOKS
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EDITORIAL
Donald Msiza
+
A dmittedly, everyone has some-
one; they look up to, a role model
of some sort. Jokingly with a few
friends of mine, we agree ‘you
need a father’ but that is just spiritual in-
terpretation of ‘you need a mentor’. The
thing about kids from townships, they are
said to be not having people to look up to,
but when having an exchange of words
sometimes with a few acquaintances of
mine I refuted that line of argument, and
held that we do have people we aspire to
be like in the townships, but not so
‘beneficial’ figures. Given the nature of the
environment, the unemployment and the
consequential poverty, most of the per-
sons we are exposed to are unemployed
folks that do anything for their families,
folks that hustle to make ends meet. We
have been conditioned to look up to peo-
ple because of what they have and where
they are, but as to what it is that they have
been through to get there, as to what it is
what they had to give in order to have
what they do, we honestly do not care. As
a result, we look up to people that drive
cars around our streets and have had
‘nothing’ to do to have them.
We have been led to believe that, in our
townships schooling is the longest and
most depressing way to wealth, and given
the number of graduates produced by our
communities. Moreover, the fact that im-
mediately they have it together, the fewer
they are, the leave for more developed
and more apposite places, we are left with
folks that do not have anything good to
say about school or education at large.
Whether we like it or not, if exposed to a
style of living for a considerable amount of
time, you are more likely to eventually be-
lieve that the only way in which everyone
lives, and your first reaction to the set you
are not familiar with is rejection. My point
is for the 10 year old boy who grows up in
these townships his dream is to be like
that one guy who drives a Velocity yet has
never been seen going to work. That guy
who is always roaming the streets but
come Friday he has money to buy booze
‘till Sunday. Better yet, that girl who is
‘smart’ enough to can hang out with such
people. Ninety nine per cent of young peo-
ple dreaming of being lawyers when they
grow up are only acquainted with lawyer-
ing as depicted on TV, the effect being that
they all at that time want to be litigators,
until sometime at varsity they are intro-
duced known to commercial lawyering and
their thinking is simultaneously broad-
ened, stereotypes broken.
We are our own persons and should be
thought of as independent subjects, how-
ever, what you expose your kids to shapes
their thinking, behaviour, life. There are
young, effervescent, ambitious and suc-
cessful people out there that kids should
be looking up to. Let’s name drop just to
make a rather robust point, Sibusiso Leope
better known as DJ Sbu, Siphile Buthelezi
(a second year senior associate at one of
Africa’s biggest law firms; Bowman Gilfil-
lan, in his early 30s) and Matsebe Thulare
(a junior investment banker at Rand Mer-
chant Bank, in his late 20s). To some ex-
tent, all the above-mentioned figures
made their way up in so not very advanta-
geous circumstances. It is only when we
start embracing such successes from our
communities; of our people, then can we
see more of such admirable stories. It is
embedded on the older ones to set record
for the younger ones.