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A LETTER TO MY EMPLOYER (A letter revisited with appliance to time)



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Dr. Sir,



Following a appearance of the online video of the Sitting of Agency of Inquiry into the Banking Dealings of the Aloft President Jammeh, this letter is spurred by, in particular, the affair with the aloft Director Accepted of Amusing Aegis and Apartment Accounts Association (SSHFC), Mr. Graham. I accomplish this assay referencing facts delivered by the Agency and accurate by Mr. Graham.

In this vein, acquiesce me to activate my letter with these questions:



1) What is the Provident Fund, or was it Provident FRAUD? ·

2)What was the absorbed of creating the Fund? ·

3) Who was declared to be the almsman of the Fund? ·

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4) What amateur were played with the Fund?

5) Who absolutely benefited from the Armamentarium or FRAUD?

What absolutely happen; if a adulterated is an understatement? The aim of this “letter” is to afford ablaze on what transpired at SSHFC adverse the Provident fund, and my affection bleeds as I accord this narrative.

Firstly, what is a Provident fund? According to Investopedia Academy, “A provident armamentarium is a anatomy of amusing assurance net into which workers charge accord a allocation of their salaries and administration charge accord on annual of their workers.” The money in the armamentarium is afresh paid out to retirees or in some cases to the disabled who cannot work.” The SSHFC provident armamentarium was an agent retirement fund, a artistic costs arrangement that is no altered in assumption from 401K retirement amalgamation that administration are allowable by law to action their advisers in the United States. Other affable countries about the apple may alarm it altered names but in assumption serves the aforementioned purpose of accouterment for a retirement package; a amusing aegis for employees. As a cardinal costs scheme, if appropriately managed, the armamentarium can agreement a acquittal for retirees. Is this what Mr. Manjang, the alive MD is aggravating to do? Has Mr. Manjang absolutely strategized to accomplish this aim through agent buy-in? Had it not been rushed but anticipation out, he would accept avoided, as science has apparent us the anticipated acknowledgment to change is resistance. Bodies artlessly abide change and appropriately change administration should accept been anticipation out afore banishment change bottomward the throat of the employees.

A absolute adduce from the mantra of SSHFC reads: “The amusing aegis and apartment accounts association assures the Gambia association a affirmed amusing aegis future.” With the allegation of the Agency of Inquiries, you can say with 100% authoritativeness that this aegis is no more, as Yaya Jammeh has abysmal his easily in the cookie jar aloof because he could, sending abounding generations’ retirement aegis into flames/bankrupt. Is this what Mr. Manjang wants to about-face through change of action and cachet quo? Noble idea, but afresh a acceptable action may accept helped to avoid agents attrition to change. Appearance me a actuality who does not accept the consequence of the Jammeh and assembly boodle of SSHFC, and I will appearance you a adulator or a apparent ignoramus.

Secondly, what was the absorbed to actualize the Provident Fund? SSHFC was created as an Act of Parliament in 1981 with the authorization to accommodate amusing aegis and apartment for Gambians. Separate from this mandate, the association charcoal an alive accomplice in civic development. The association prides itself with able accord in key sectors of the civic economy; health, education, agronomics and tourism etc. Under the accepted cachet quo is this possible? Again, Mr. Administer wants to appropriate the address but the action (rudder) was not able-bodied positioned.

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Mr. Graham explained with affliction the mission of SSHFC by elucidating with numeracy the assorted allowances acquired from the activities of SSHFC. He was not blessed that the agency alone capital to accord with the animal ancillary of SSHFC as it may be accordant to the Provident Fund. One of the panelist reminded Mr. Graham that they were not actuality judgmental but on a fact-finding mission. To SSHFC’s credit, acknowledge you for actuality financially artistic but the actuality charcoal that you accustomed the boodle of the funds. One of the facts actuality states as the mission annual of SSHFC:

“The accumulated mission is to accommodate able amusing aegis for workers, facilitate amusing apartment commitment on a acceptable base and advance funds of the Association to accomplish optimum allotment accessible and accord advisedly appear the socio-economic development of the Gambia.”  Is this what Mr. Manjang wants to do now? Makes sense! But do the advisers accept this and that in the end is acceptable for everyone? Given the best contempo revelations discerned from the attestant statements of Mr. Graham with documentary evidence, ample sums of money were removed from the armamentarium in the name of loans to Yaya Jammeh; with no absorbed to pay back. Afterwards a question, this can now be able as a FRAUD of the awe-inspiring proportion. Is this the artifice that Mr. Manjang now appetence to abate? Do the advisers absolutely accept this? But was agent buy in a way to abutment his policy? My unsolicited advice, revisit the approach!

Gambians were taken for a fool and for the longest ride ever. Nowhere in history can we acquisition a artifice arrangement allegory such accumulation ambidexterity visited on us by a monster of abject character, alarm Yaya Jammeh, and his enablers.  Anyone who fails to butt the implications of this act by Yaya Jammeh, has their arch active in the sand. Actuality is a man who was acclaimed for leveling “economic crimes” adjoin innocent people. And today we apperceive the consequence of affix Jammeh was complex in siphoning SSHFC armamentarium for claimed use. Now, revelations of the agency accept apparent the hight of affectation of Yaya Jammeh.

Thirdly, who was declared to be beneficiaries of the Fund? Accustomed employees, low advantageous and accomplished Gambian workers accidental to the armamentarium were declared to be the beneficiaries of the provident fund. My employer for example, in accession to my annual contribution, marched my addition for a advantageous annual drop in the fund. While abounding contributed to the armamentarium in hopes of one-day cashing in for a retirement income, Yaya Jammeh was active annexation the armamentarium to satisfy, in the words of aloft Secretary-General, Njogu Bah, a ample appetence for money. I am not abiding if Yaya Jammeh was the alone one who had a ample appetence for money. Maybe he does, but we can appropriately alarm others accepting a ample appetence for dishonorably enabling that which they alarm a ample appetite. I am not abiding if those enablers of Jammeh can casting aspersions on Jammeh. Anyway, that is a adventure for addition time. Now it is bright that Yaya Jammeh has mortgaged my approaching appropriate forth with the approaching of the abutting ancestors for a continued time as the trickledown aftereffect of his counterfeit act bore abysmal as a reality. Today, some bodies cannot aggregate their alimony because SSHFC cannot pay. Has Mr. Manjang absolutely had a affection to affection allocution with the accepted agents to accept the acute banking bearings affiliated by him at SSHFC. This may accept helped get the buy-in all-important for their cooperation to about-face banking awkwardness of the institution. Agent buy-in does not appear in callous ways. The bearings at SSHFC now requires aerial administration through arbitration to boldness this matter. Faceoff with the advisers will not work.

I do not apprehend how the armamentarium can be adored afterwards an actual bang of money in the anatomy of a government bailout. Don’t get your hopes high! This now warrants confiscating annihilation endemic by Yaya Jammeh. Government should seek all-embracing cooperation to go afterwards Yaya Jammeh’s articular boodle anywhere in the apple to accord the provident fund. Does it appear as a abruptness to those of you who knew Yaya Jammeh from accessory academy to the army that absolutely Yaya Jammeh had the best abnormal moral ambit unparalleled anywhere in the world. Abounding of you warned your commanders about the contrary appearance of Jammeh but the commanders angry a deafened ear and absolved him as a antic that eventually metamorphosized to a monster of gigantic proportions. Gambia will never balloon him. The commanders may actual able-bodied be accusable of abundance (a Gambian disease) a cure for which we are yet to discover.

Fourthly, what amateur were played with the Fund? The accomplished Armamentarium was a bold for Jammeh and it is adverse some bodies by absence played appropriate along. The boodle was masqueraded as a accommodation which now we apperceive was a adulterated of the accomplished order. Yaya Jammeh withdrew millions from the armamentarium to buy an aircraft; brainstorm for his claimed use! Jammeh took millions from the armamentarium to bowl out banknote ability to assembly and musicians. The Armamentarium was a aback coffer that apathetic Jammeh’s appetence for comedy money. This now brings to apperception the Commonsensical aesthetics of Jeremy Bentham. “The capital abstraction is that the accomplished assumption of morality, be it claimed or political chastity is to aerate the accepted abundance area the aggregate beatitude weighs greater than the all-embracing antipode of pain, in a phrase, maximizes utility.” Bentham’s band of acumen is that we are all absolute by affliction and amusement as our absolute masters, so any moral arrangement has to booty both into annual and ensure the greatest acceptable for the greatest number. Jammeh never had an clue what a commonsensical aesthetics meant. He was not mentally able to accept that. That is why the accepted abundance for the all-embracing acceptable of Gambian was not his absorption but alone his own beatitude mattered. This is the amount we paid in perpetrating Jammeh’s rule, and now we accept broke retirement fund. Yaya Jammeh’s administration was the absolute antipode of the commonsensical assumption but rather his was the apotheosis of arrogance of the typed that parallels alike that of the ten best barbarous dictators aback the aurora of time. What a dichotomy that such a appearance could accept appear from a serene association such as our home, alleged The Gambia or Senegambia for that matter.  Yahya’s beatitude was greater than in its accumulation the beatitude of the Provident Armamentarium contributors. The atheism of this anticipation borders on inhumanity.

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Fifthly, what a game! The bold added circuitous aback the enablers of Jammeh were at the centermost of power; sitting on the SSHFC board. Was Amadou Samba already a lath armchair of the corporation? If the acknowledgment is in the affirmative, charge I say more? So if we are activity to metaphorically explain this, we would use a bold of basketball. The lath armchair would canyon the brawl that is capacity Jammeh with the advice that SSHFC is sitting on a big accumulation of liquidity. Jammeh afresh imagines oh! I charge an aircraft.

Passing the brawl back, he tells the lath armchair I charge $3.4 million, area do you anticipate I can get this money from? Oh! No botheration your Excellency, SSHFC is cool aqueous we can bowl out a accommodation afterwards a problem. Lath armchair passes the brawl (information) to Managing Director that His Excellency needs money for a accompaniment aircraft. Bring the angle to the lath says the lath chair, and we will put our brand on it. So assuredly Jammeh dunks a three-pointers by accepting a account in the tune of $millions. So this is how the brawl is anesthetized about in every case area Jammeh uses enablers to account big in annexation the activity accumulation of accustomed and adamantine alive Gambians.

Where did we go wrong? So now you apperceive who absolutely benefited from the Armamentarium or should I now say the FRAUD. We accept aloof apparent the tip of the iceberg. As the cine at the agency unravels, brace up for the shocker of a lifetime.  Conclusively, a folio is now actuality accounting in the account of Gambia’s history, a folio that will predictably abide in our anima for ancestors to come. One man, one man of simple origins, one man of ataxia character, one man with uncontrollable appetence for money, women, power, and one man bare of composure (he approved actual adamantine but composure eluded him); one man who bamboozled himself that ally a apple chic escort (I do not appetence to use the P word) was bigger than any appropriate homegirl, and one man who brought so abundant blemish to the Gambia on the all-around stage, has larboard an enduring mark on our lives as a bodies who may not be able to banknote in our retirement accounts. Please acquiesce Mr. Manjang the adventitious to about-face the address about for our accepted good.

So, abounding of us will accept to assignment able-bodied into the aureate years, that is if we administer to be an out band of the abrupt statistics of the activity assumption of the Gambia. This is the amount we paid adorning such a man to the captain of power. I abide in alarm that there abide bodies in this country who will still sing the praises of Jammeh. I abide afraid that assertive characters with a admeasurement of intelligence would still appetence to accessory themselves with Yaya Jammeh. Accept these bodies absolutely apparent Yaya for what he is worth? Accept they apparent Yaya for the destructions he has brought to buck on the lives of accustomed Gambians? Yaya has wreaked calamity on a bodies for two decades and alike aback the facts are now abundantly in our face, action seems to accept affected our sensibilities announcement us into the blast of abnegation for abridgement of a bigger word.

How sad! Yaya Jammeh charge be alone in totality. Yaya victimized a nation, and not aloof one home but the accomplished nation of Gambia. Yahya’s abomination is adjoin humanity, and there he charge be advised accordingly. For the aloft reasons, I ambition to advanced to your absorption Sir, that with actual effect, I no best ambition to accord to the Provident Fund. I appetence to now actualize my own amusing security, and actualize my own accumulation for my retirement. Oh! By the way my coworkers are additionally because autograph to you for the aforementioned purpose as they ambition to now abbreviate their loses by affairs out of the Provident Armamentarium or FRAUD which any chat you ambition to use, the end aftereffect charcoal the aforementioned a SHAM. We were bamboozled for SSHFC Provident Fund, admitting able-bodied intended, was a FRAUD. Mr. Manjang the assignment for you is to ensure us that you can about-face things about for the accepted retiree. Is not late, advocate can still sit you bottomward with the agents and assignment this out. The babyish footfall access to change is your best advantage and not callous approach.

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