Features
Farmers, fund and the mafia


The notion some people have about the Sikaman farmer can be amusing. It is the belief of some that immediately a struggling farmer manages to grab a loan, the first thing he does is to invite his abusua (kith and kin) home and abroad.
He organises a mini-festival using palm wine mixed with Guinness as the first course. There and then he announces that he is no longer a poor man; in effect he has ceased to be the close buddy of Mr John Poverty.
The ceremony will be consummated with singing and breakdance, a brief church service, drama and poetry recitals.
At least three bearded goats complete with moustache and four cockerels would be sacrificed in various recipes to celebrate the farmer’s broken alliance with poverty. Some would end up as fufu and light soup, grilled chicken, toasted mutton and smiling goat-head pepper soup. In short, the loan was well taken and well utilised.
The farmer’s prosperity begins right from the stomach. His idea is that if you don’t prosper in the stomach, there is no way you can prosper outside it.
Some farmer are ‘wiser’ though. When they get the loan, they promptly look for new wives. They can no longer continue enjoying one soup everyday like that. Variety is the spice of life! A new wife would bring new zest, new hope and heavenly glary into the farmer’s life. Most importantly the new wife would bring more action into his waist.
So the loan goes indirectly into promoting physical exercise for the human waist instead of the expansion of the farm, purchase of new equipment and improved seeds. Farmers of this nature are jokers, not farmers.
Is it probably because of these whimsical reasons that the banks are reluctant to grant loans to farmers? Obviously with the celebration of mini festivals and the installation of new wives, it is unlikely bank loans can ever be repaid. Of course, farmers who are more concerned about their libido can only be experts in re-scheduling loan payments and not in paying back loans.
Banks are very much concerned about getting their monies back with interest whenever they give out loans. So they demand collateral security as a requirement for the granting of loans. Some farmers actually don’t have anything they can put up as collateral except their hoes, cutlasses and wives. So they struggle through life, not going and not coming.
I do not blame the banks for not granting loans to those who cannot put up collateral. But what about those who are very serious farmers and can put up collateral. Should they also be denied?
Farming is seasonal and a farmer may need a loan only within a certain period to grow crops or breed birds. When the period elapses before the loans are granted, farmers are tempted to misapply the money because it lies idle. In fact, with idle money lying around, the farmer may be tempted to ‘purchase’ a new wife.
It goes without saying that farmers need money but for specific periods when the banks apparently do not take into consideration. Within three months in a year (main cropping season), a crop farmer must plant, nurture, harvest and sell. He applies for a loan and takes nine months or is not even granted. Meanwhile the money lies under his bed waiting to be enjoyed. Not all farmers are angels.
Now, If the government has seen and acknowledged the importance of farmers in national development and has instituted a Farmers’ Day which is a public holiday during which farmers are awarded, then government might as well also do something about funding for our serious farmers, at least the award winning ones to expand and grow since bank loans are not readily available.
Lama of Site 21, Tema, a man of great learning and of vision, has just been telling me that when a farmer gets an award, it means he knows his way about his job, is serious and diligent. According to him, most likely that such a person would also be investment-conscious and judicious in the use of his resources, and not interested in enstooling a new wife.
If government can set up a fund to assist, not with cash but by way of inputs, most of our farmers who have not had any assistance to propel themselves above sea level would be most thankful.
Interview a few award-winning farmers and they would tell you their palaver. The Overall Tema Municipal Farmer Mr Ellis Aferi and his wife Mrs Rosemary Aferi, began their Soka Farms Complex with ten fowls. The pig (a sow), was sent to a farm on a cart to be serviced and brought back breeding.
His piggery is now a real model of inspiration. “We started right from the scratch without any bank loan or financial assistance from any quarter. We placed our trust in labour, hard work and the advice of extension officers. Today we have a large piggery, poultry breeding house, mushroom and snail quarters, fishpond and beehives aside the rabbits we breed. All these without a penny from anywhere,” Mr Aferi told me just last week.
However, he bemoaned the current situation farmers are facing “We have exploited our creativity, our imagination and our muscles. There is a limit to productivity using only human labour and ingenuity. We now want to grow bigger but without funding there is little we can achieve in our bid to grow and develop.”
Mr Aferi like, his colleagues, uses about one ton of wheat bran to prepare feed for his birds, pigs, snails and fishes every week. When Food Complex was in operation, they had their wheat bran without problem. Today, there are mafia connections in the wheat bran trade.
According to all the livestock farmers I’ve spoken to, it is hard to get wheat bran from GAFCO or Irani Brothers directly. They allege that the companies prefer to sell to some wealthy women and top business-men who can buy wheat bran on conditional basis (that is together with flour and other products of the companies), than to farmers.
Then these women and businessmen through their agents resell the bran to the poor farmers at cut-throat prices. I don’t think the system is being fair to farmers. It is indeed a tragedy for the farmers who through their sweat and blood the nation is fed.
“We protest heart and soul,” one farmer yelled at me as if I was responsible for their plight. “How can I feed my birds and pigs satisfactorily if I cannot get wheat bran at the factory price? We disagree that because we are poor, things should be made difficult for us. The rich must not be allowed to exploit us like that.”
The proprietor of Soka Farms, Mr Aferi, for instance has risen from the discomfort of the dust and hardness of the earth to such an enviable height to be an award winner who now holds seminars for farmers, students and officials of organisations on his farm near the Ashiaman-Michel Camp barrier. He must be propped up, even if not with money with inputs on credit basis.
The government must think about setting up a special fund for such individual farmers to grow, while preventing them from cheats and those in the cloak of the mafia.
This article was first published on Saturday, September 21, 1996
Features
Beyond the polished glass: everyday scenes at Accra mall trotro station – Part 1
Just outside the polished glass doors of Accra Mall, a different reality unfolds. Amid the traffic, street vendors, commuters and child beggars, the city’s energy flows in sharp contrast to the calm and luxury within.
It is 4pm on a humid Wednesday afternoon outside Accra Mall. In the traffic surrounding the mall, Toyota Corollas, Nissan Navara’s, Kia Morning, Trotros, Mercedes-Benz cars crawl bumper to bumper. They inch their way around the roundabout connecting Spintex Road to the Tema Motorway. Drivers tap their horns repeatedly as the wait grows longer. Passersby slip between the vehicles, weaving their way to the trotro station, roadside stalls or side streets leading to their destinations.
Just beyond the traffic and noise, Accra Mall rises at the heart of the city, bright and busy with shops, eateries and cinemas gathered under one roof. Inside, the contrast is immediate. The air-conditioning hums steadily, keeping the space crisp and cool while shoppers move between stores with bags in hand containing new clothes, gadgets, perfumes and other small luxuries paid for in clean cedis. At the food court, children giggle over ice cream while friends lean over pizza boxes. The smell of fresh popcorn hangs in the air near the cinema entrance.
Since opening in 2008, Accra Mall has stood as one of the city’s most visited commercial hubs. But the calm inside ends at the door. The atmosphere shifts from cool air and clean cedis to constant movement, long waits, and daily survival. Just beyond the mall, the air is thick with heat, blaring horns, and exhaust fumes. It carries the struggle of people whose day does not end with a shopping receipt.
According to MIT’s Atlas of Popular Transport, Trotros carry over 3.5 million passenger trips each weekday and remain the dominant form of public transport, serving more than 70 per cent of Greater Accra’s commuters. Even without precise daily figures, their presence is unmistakable in the routines of Accra’s residents navigating work, school, and trade across the capital.
This scene plays out daily along the busy stretch near Accra Mall, where traffic slows to a crawl and “trotro” queues stretch along the roadside. At the roundabout, beneath a weathered police canopy, a plus-size policewoman in a bright green traffic vest has surrendered to sleep. She lies stretched on a long bench, mouth wide open, chin tilted skyward, as if the whine of horns and coughing engines were lullabies. A few steps away, a male officer in a matching vest, tasked with directing the traffic, stands by the roadside with his hands buried in his pockets, eyes fixed on the parade of cars inching forward and honking in frustration.
Across the street, Accra Mall’s Street commerce bursts into activity. Makeshift stalls are lined up tightly along the roadside. Racks of ready-made African clothing sway in the dusty breeze. Sandals are arranged neatly on plastic sheets. Beaded necklaces in red, blue and gold catch both sunlight and the attention of people passing by.
With Eyram, the Tale Berear
Features
Monsieur’s daughter —(Part 5)
By the time he returned to Ghana, David had gained solid financial muscle. With his wife as project director, he established Plant Warehouse, a company which rented out equipment to construction and mining companies.
The head office was in Accra, but most of their equipment were based in Kumasi and Tarkwa. With solid links with firms in Germany, he had no difficulty mobilising equipment, and clients were pleasantly surprised at the range of machines available, and the quality of service.
Although he had become quite wealthy, he kept a low profile, spending most of his free time with his wife and two daughters. In addition to taking good care of his parents and numerous relatives, he did quite a few charitable works in his hometown, Aboso and other parts without drawing attention to himself.
He donated computers and a pick-up truck to the Aboso Senior High School. And of course, he donated books and audio-visual materials for the study of French. He insisted that no publicity whatsoever be given to these donations, apart from the formal handing over to the Regional Education Director.
His two daughters, Abrefi and Adaawa, had more than compensated for the treachery he suffered at the hands of Gladys, the woman with whom he had had that unfortunate false start in life.
Regrettable as that episode was, it had given him the momentum to relaunch his career. He had closed that chapter, as his parents had advised.
Once in a while he was tempted to reflect on the daughter that was quite clearly his, but he stood on the declaration made by his father, that if she was truly his, God would take care of her and she would return to him. So far, there was no sign of her. Well…
After the company was fully established, Adoma stopped participating in management to concentrate on managing the home, and providing effective support to the children.
But she established good rapport with the company’s drivers, technicians and other technical workers. Very often, she would go to the offices to support her husband.
As they were retiring to bed one evening, Adoma raised the issue of their past at Aboso.
‘I sometimes wonder what would have happened to me if you and Gladys had enjoyed a peaceful marriage’.
‘A very handsome young man would have met you, taken you to Germany, raised some capital and returned with you to start a company, and a family. And you would have enjoyed a very peaceful marriage’.
‘And who would that man be’.
‘He would have been called David’. She collapsed with laughter’.
‘I used to wonder whether I did right by leaking information about Gladys to you’.
‘I would certainly have gotten to know. You know the kind of revulsion people feel when a recently married person gets involved in a scandal, especially in a small community like Aboso.
Some of our colleagues knew, and were about to tell me anyway. I would certainly have gotten to know. And I would have taken the same action I took. I certainly didn’t deserve to be treated like that. And as to whether I should have attempted to take Sarah away from her, that woman would have done anything to make my life miserable.
She could have moved her from place to place to prevent me finding her, and she would have refused to cooperate with any agency we reported her to my parents’ advise was the best’.
‘I wonder, though, whether we should make some effort to find out about how she is doing. After all, she is your child. Of course, we should do this very carefully. I don’t think she has forgiven you for leaving her’.
‘I’m sure she hasn’t, but she did it to herself, didn’t she? What was the guarantee that she wouldn’t be seeing him later in our marriage? That kind of behaviour is often repeated. I don’t regret the decision I took, at all.
I would do the same thing today, given the same situation. And don’t forget, you and I were destined to be together as man and wife. It should have happened earlier, but it still happened. Thank you very much for marrying me’.
‘I’m also grateful to you for marrying me. But before you fall asleep, shall we take some careful steps to find out about Sarah?’
‘Yes. You know, I’ve been receiving snippets of information every now and then, but I’ve forgotten to update you. You already know that she’s in JHS three in a school at Koforidua, Research Basic and Junior High.
It’s quite a good school, run by the research institutions in the Eastern Region. She’s doing quite well in class, from what I hear, so hopefully she will qualify for university.
Gladys and Simon are still married, and they have two children, so Sarah will be growing in some kind of decent family situation. I hear though, that all is not going well with Simon’s job, and the marriage is not a very strong one. I hope they are at least managing to take good care of their kids.
I will certainly make a direct effort to contact Sarah after she’s completed JHS. She would be old enough to make a decent choice, and I hope that in spite of whatever feelings she has against me, Gladys will realise the financial advantage of allowing me to take my child’.
‘I’m happy she’s doing well in school. But I hope we can get some inside information on her emotional status. Unstable marriages often have a significant effect on kids, especially stepchildren’.
‘You are right. From what I have learnt, Gladys is the one who runs the show in the house, so I don’t think Simon will get the opportunity to mistreat Sarah. But as I said, I will start sniffing for more information’.
‘We do have to start preparing for the possibility of her joining us here, sooner or later. I’m not talking about material stuff. We can certainly take care of her. But she needs to blend well with her siblings. I’m glad we’ve already told them about her’.
‘Many thanks for that. We should have another discussion with them quite soon. I’m sure we can integrate her smoothly. There may be difficulties, but we will overcome them’.
‘One very final thing, David. Shouldn’t we speak to Lawyer Acheampong, just in case one or two legal issues arise?’
‘Yes! Of course! How come I never thought of that? I will call him first thing tomorrow. I don’t think any such issues may arise, but it will be wise not to take precautions. Thank you, sweetheart’.
‘We do have to start preparing for the possibility of her joining us here, sooner or later. I’m not talking about material stuff. We can certainly take care of her. But she needs to blend well with her siblings. I’m glad we’ve already told them about her’.
By Ekow de Heer