Features
Farmers, fund and the mafia
- /home/u249204778/domains/spectator.com.gh/public_html/wp-content/plugins/mvp-social-buttons/mvp-social-buttons.php on line 27
https://spectator.com.gh/wp-content/uploads/2025/06/A-farmer-may-need-a-loan-only-within-a-certain-period-to-grow-crops.jpg&description=Farmers, fund and the mafia', 'pinterestShare', 'width=750,height=350'); return false;" title="Pin This Post">
- Share
- Tweet /home/u249204778/domains/spectator.com.gh/public_html/wp-content/plugins/mvp-social-buttons/mvp-social-buttons.php on line 72
https://spectator.com.gh/wp-content/uploads/2025/06/A-farmer-may-need-a-loan-only-within-a-certain-period-to-grow-crops.jpg&description=Farmers, fund and the mafia', 'pinterestShare', 'width=750,height=350'); return false;" title="Pin This Post">
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
Confronting newborn abandonment in Ghana: When a cry for help is heard in a dustbin – Part 2
The root causes: It is never just one reason
My years of counselling at CPAC show me abandonment is rarely an act of malice. It is the tragic endpoint of seven overwhelming distresses:
1. Severe maternal mental illness —The hidden emergency
a) Clinical Postpartum Depression (PPD): This is far beyond “baby blues.” It is a severe mood disorder that can appear weeks to months after birth. Due to a massive drop in hormones, extreme sleep deprivation, and emotional exhaustion, the mother feels deep sadness, worthlessness, and complete emotional numbness towards her baby. Picture: A new mother sits by her bed all day, staring blankly. Her baby cries for hours, but she cannot lift her hands to carry the baby. She whispers, “This baby would be better off without me.” She does not hate the baby; she feels she has completely failed as a mother.
b) Peripartum Psychosis (Postpartum Psychosis): This is a psychiatric emergency. Rare but extremely dangerous, appearing suddenly within the first 2-3 weeks after delivery. The mother completely loses touch with reality. She hears commanding voices telling her to abandon the baby, or believes the baby is possessed by an evil spirit or is a “spirit child” who will bring a curse. Picture: A mother genuinely believes she heard a voice saying, “Leave this child at the crossroads at midnight or your family will die.” She abandons the baby not out of hatred, but because her broken mind believes she is obeying a higher spiritual order to save her family.
c) Pre-existing untreated Schizophrenia: This is a chronic, severe mental disorder that existed before the pregnancy. The stress of pregnancy and labour shatters her fragile coping. She suffers from paranoid delusions — believing people want to poison her and the baby — flat affect (zero facial expression), and grossly disorganised thinking, making it impossible to plan how to feed or clean a baby. Picture: A young woman whose family called her illness “spiritual attack” instead of taking her for medication wanders away after delivery, completely forgetting she even gave birth, leaving the infant behind.
2. Extreme socio-economic deprivation: For many girls in some parts of Ghana such as Kasoa, Madina, or Bekwai, poverty is not a statistic; it is a daily panic. No money for antenatal care, no money for hospital delivery, no money for baby diapers or formula. When a mother cannot feed herself, the thought of feeding another mouth feels impossible. Some mothers say, “I left her where someone richer would find her, because I could not watch her starve to death in my hands.” It is a distorted act of survival.
3. Intense societal stigma and shame: In Ghana, pregnancy outside marriage, teenage pregnancy, or pregnancy from rape can bring extreme family rejection. The girl is called “spoilt,” beaten, banned from church, or sacked from school. The fear of bringing shame to the family name is heavier than the fear of police. So she hides the pregnancy for 9 months, delivers alone, and abandons in secret to protect her family’s “honour.”
4. Paternal abandonment — The Man Who Ran Away: Behind almost every abandoned baby is a man who vanished. He says, “It is not mine,” or “Abort it,” and switches off his phone. The mother is left utterly isolated — no emotional, financial, or social support. She is criminalised alone, but the abandonment started with him. Psychological research shows paternal denial is one of the strongest predictors of maternal panic and newborn abandonment.
5. Substance abuse disorders: Alcohol, tramadol, and other drug addiction impair the brain’s executive functioning — the ability to plan, judge consequences, and process emotions. A mother struggling with addiction may give birth in a highly intoxicated or withdrawal state, unable to comprehend the needs of the newborn, leading to neglect and eventual abandonment.
6. The spirit child cultural phenomenon and superstition: In some remote pockets of Northern Ghana and even in few parts of Central and Ashanti regions, public health research shows babies born with congenital deformities, severe disabilities, or whose mothers die in childbirth are branded as “spirit children” or cursed. In extreme instances, families, under cultural pressure, mandate that such babies be exposed or abandoned at shrines or bushes. This is not mental illness, but a harmful cultural belief system that still kills.
The invisible wounds
On the baby: Risk of death from hypothermia, sepsis, and infection. Survivors suffer Anaclitic Depression and Failure to Thrive due to lack of touch. As adults, they battle Reactive Attachment Disorder, chronic mistrust, and identity crisis — “Why did my mother leave me in a dustbin?”
On the mother: Lifelong hidden grief, intense guilt, chronic PTSD, depression, and elevated suicide risk. A prison cell does not heal this.
On the nation: Overburdened orphanages like Osu Children’s Home, draining health budgets, and overworked Social Welfare officers.
SKIP THE QUEUE, TAP THE NEWS
You can now read the Ghanaian Times and The Spectator newspapers from the comfort of your device via TimesNewsPlus.
Join our WhatsApp Channel: https://whatsapp.com/channel/0029VbBElzjInlqHhl1aTU27
“There is no one righteous, not even one; there is no one who understands; no one seeks God. But now a righteousness from God, apart from law, has been made known, to which the Law and the Prophets testify. This righteousness from God comes through faith in Jesus Christ, to all who believe. For there is no difference; – Rom. 3:10, 21-22. (NIV)
Introduction
Dictionaries define righteousness as “behavior that is morally justifiable or right.” Such behavior is characterized by accepted standards of morality, justice, virtue, or uprightness. The Bible’s standard of human righteousness is God’s own perfection in every attribute, every attitude, every behavior, and every word. Thus, God’s laws, as given in the Bible, both describe His own character and constitute the plumb line by which He measures human righteousness.
The bad news is that true and perfect righteousness is not possible for man to attain on his own; the standard is simply too high. The good news is that true righteousness is possible for mankind, but only through the cleansing of sin by Jesus Christ and the indwelling of the Holy Spirit. We have no ability to achieve righteousness in and of ourselves. But Christians possess the righteousness of Christ, because “ For He made Him who knew no sin to be sin for us, that we might become the righteousness of God in Him.” – 2 Corinthians 5:21. This is an amazing truth. On the cross, Jesus exchanged our sin for His perfect righteousness so that we can one day stand before God and He will see not our sin, but the holy righteousness of the Lord Jesus.
Establishing our hearts in righteousness
“Keep your heart with all diligence, for out of it spring the issues of life” – Proverbs 4:23
According to the above verse in Proverbs, our heart is the source of our life. Our life flows from our heart. The Holy Spirit resides in the spirit of the born again Christian. So there is a strong influence of the Holy Spirit in the heart of the new-born Christian. But our heart is also comprised of our soul. As Christians we can choose to focus our soul on the Lord, or on evil things. If we focus on corrupt, immoral, and evil things our heart will be affected detrimentally. It will cause our heart to be crooked or wicked, instead of straight or righteous. So the Scripture says to keep, or guard, our heart. It is wise to protect our heart as what we allow to dominate our heart will inevitably become the fruit, or influence the outcome, of our lives.
One way to approach life is to continually ask the question, “How will this decision or action affect my heart?” Everything we do, every thought we entertain, everything we watch, read, or listen to, shapes our heart. Therefore, the future prosperity of our life will flow from how well we care for our heart.
Think of everything you do, every moment of time, as a seed. We have been given responsibility for choosing which seeds to plant in our heart. What will you grow in the garden of your heart? What seeds will you choose? Our heart is our garden, and our life is the fruit of our garden. So next time you are tempted to dwell on a bad thought, think, “Do I want this seed to grow and manifest in my life?” Next time you are tempted to indulge in a sinful action ask yourself, “Do I want the extension, or fruit, of this sinful action to be what I am known for?”
God gives us the freedom to plant whatever we like in our garden. God loves us regardless of the good or bad choices we may make in our lives. You may be reaping the fruit of some poor choices right now. And God is still saying, “I love you.” But He has wise advice for us; He desires we have a good life. He says, “Guard you heart with all diligence.” This Hebrew word translated ‘diligence’ conveys the meanings of: prison and guard (ibid). A superintendant of a prison is very particular as to what goes in and out of his prison. A prison has very tight security. Just as a superintendant watches over his prison, so we should also supervise our heart (our lives). We should exercise meticulous security with regards to what enters into our heart. Actually, even what comes out of it, as the Scripture says, “ Wherefore, my beloved brethren, let every man be swift to hear, slow to speak, slow to wrath” – James 1:19, as “For out of the abundance of the heart the mouth speaks.” –Matthew 12:34b.
If what goes into, and what comes out of, our heart determines the success of our lives, what is the first important principle to establish in our heart? “In righteousness you shall be established;” – Isaiah 54:14
Righteousness is the key foundational truth we need to first establish in our heart. Jesus said, “But seek first the kingdom of God and His righteousness, and all these things shall be added to you.” –Matthew 6:33. Notice Jesus said, “His righteousness”, not our own righteousness. We have to seek and understand God’s righteousness. Isaiah 54:14 says, “Their righteousness is of me, saith the Lord.” God’s righteousness comes from God, not from within us. Humans cannot make themselves God’s righteousness, as all humans have sinned and are therefore inferior to God. God’s righteousness is a gift from God: “ For He made Him who knew no sin to be sin for us, that we might become the righteousness of God in Him.” – 2 Corinthians 5:21
Righteousness, or right standing with God, has been attained for us through the exchange Jesus made on our behalf. Jesus took our sin and gave us His righteousness. God’s righteousness is imparted to us when we are made a new creature in Christ – 2 Corinthians 5:17. This righteousness is a gift from God and undeserved by us: “For if by the one man’s offense death reigned through the one, much more those who receive abundance of grace and of the gift of righteousness will reign in life through the One, Jesus Christ.”- Romans 5:17
Through our faith in Jesus’ blood, shed to remit our sins – Romans 3:25, God imparts righteousness to us by His grace. We actually become a new righteous creation, fully identifying in Jesus’ death, burial, resurrection and ascension. This is the foundational miracle we need to understand and have established in our heart. All the other miraculous promises of God come the same way, by God’s grace through faith. Righteousness must be established in our heart for us to truly have faith to receive our rich inheritance in Christ. Jesus has been made unto us righteousness (1 Corinthians 1:30). We are now “For all the promises of God in Him are Yes, and in Him Amen, to the glory of God through us”. – 2 Corinthians 1:20
Establishing our minds in righteousness
God expects that, when we accept Jesus Christ as our Lord and Savior, we will be radically changed. In Romans 12:2 He tells us, And do not be conformed to this world, but be transformed by the renewing of your mind,
This transformation is to be a metamorphosis, of a magnitude at least comparable to that by which a caterpillar becomes a butterfly. He expects us to become totally different.
Scripture uses many different images to express the change that should occur: We become “a new creation; old things have passed away; behold, all things have become new.“ – 2 Cor 5:17. It is almost as if we become a new species. Scripture speaks of the “first Adam” who was earthly and fell into sin, and the “second Adam” (Jesus Christ) who was sinless and holy – Rom. 5:12-19; 1 Cor 15:44-49.
We are “made new in the attitude of our minds” – Eph. 4:23.
We “put off our old self” and “put on the new self” – Eph. 4:22,24; Col 3:9-10.
We “live by the Spirit” and not by the flesh – Gal. 5:16; Rom 8:13.
We become “instruments of righteousness” rather than “instruments of wickedness” – Rom. 6:13.
Each of these metaphors, in a different way, emphasizes the magnitude of the change that is expected. Each is dramatic and astonishing in itself; their cumulative effect is even more powerful. We are talking about a tremendous transformation. It should be visible to others, but its internal effect should be far greater than what others can perceive.
The goal of this transformation
What is the goal of this metamorphosis? Scripture states it in a number of different ways, which overlap and can be seen as different ways of expressing the same basic concept. Scripture often does this, because our minds are inadequate to comprehend, and our language inadequate to express, the full scope of God’s revelation to us.
To be continued!
Stay blessed!
For further inquiries please contact us on Tel Nos. 0243588467 or 0268130615
Email: saltnlightministries@gmail.com
Website: saltandlightministriesgh.org
SKIP THE QUEUE, TAP THE NEWS
You can now read the Ghanaian Times and The Spectator newspapers from the comfort of your device via TimesNewsPlus.
Join our WhatsApp Channel: https://whatsapp.com/channel/0029VbBElzjInlqHhl1aTU27
Entertainment1 week agoRhythms On Da Runway returns November 28 with 16th edition themed ‘Unbound’
- News1 week ago
48 Engineer Regiment to be major sub-contractor on Accra-Kumasi Expressway, $2bn ready- Prez Mahama
- Entertainment1 week ago
Ohemaa Mercy’s Tehillah Experience outfit was priestly regalia, not costume – Management clarifies
