YEA to support 10,000 MSMEs under BEAP

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December 11, 2023

The Vice President Dr. Mahamudu Bawumia has launched one of the Youth Employment Agency’s (YEA) flagship programmes, the Business and Employment Assistance Programme (BEAP), in the capital of the Bono Region, Sunyani.

This initiative aims to nurture young entrepreneurs, empowering them to generate employment opportunities for the large pool of unemployed youths in the country.

Addressing the event, the Vice President noted that the introduction of the Business and Employment Assistance Programme by the YEA, is a testament of the Agency’s commitment to the cause of providing sustainable employment for Ghanaian youth.

He stressed the fact that the YEA has over the years implemented several initiatives and programmes as part of efforts to mitigate the youth unemployment menace including engaging 21,000 youth under the Community Police Assistants and Community Health Workers module and 2,000 youth under the Youth in ICT module in collaboration with the Ghana Digital Centres Ltd.

He mentioned that, a partnership with the National Entrepreneurship and Innovation Programme has resulted in the training of 15,000 Ghanaian youth in business skills, corporate compliances, and financial sustainability practices.

“Another partnership with the Ministry of Food and Agriculture will engage 20,000 youth under Phase 2 of the Planting for Food and Jobs programme,” he said.

Dr. Mahamudu Bawumia also mentioned that the Agency has collaborated with the Ghana TVET Service and the Ghana Energy Commission to train 20,000 Artisans as plumbers, tilers, masons, beauticians, fabricators, glazing workers, carpenters, and electricians and that under this module, beneficiaries will be duly certified after training and provided with the requisite tools and equipment to set up enterprises of their own.

The business sector, he said, was particularly affected by the pandemic amid closure of businesses during the partial and total lockdown posed liquidity challenges for some businesses and subsequently led to employers laying off staff or having to reduce staff salaries in a bid to keep businesses afloat.

He said: “The Ghana Business Tracker Survey conducted between May and June 2020 by the Ghana Statistical Service in collaboration with the World Bank and the United Nations Development Programme, indicated that as a result of the COVID-19 pandemic, 46.1% of Ghanaian businesses had to reduce wages whereas 4.1% of businesses laid off workers.”

Government initiatives such as the Corona Virus Alleviation Programme – Business Support Scheme (CAP-BuSS) and the COVID-19 Alleviation and Revitalization of Enterprises Support (Ghana CARES) have provided financial support in the form of grants and soft loans to Ghanaian business to help them mitigate the challenges faced as a result of COVID-19.

Despite these initiatives, he said, some businesses have still not fully recovered and need all the available assistance to help them get back on their feet.

According to him, there still exist some associated problems businesses face including financial distress is the increase in youth unemployment and chronically law wages hence the birth of the Youth Employment Agency’s Business and Employment Assistance Programme.

“This initiative seeks to assist employers reemploy laid off workers and retain existing employees by providing a maximum of Five Hundred Ghana Cedis (GHS 500.00) per employee as salary support….I am particularly excited about the relief this initiative will provide to the Ghanaian youth, a demographic that is very dear to me. The youth of this country are our greatest resource, and it is our collective duty to ensure that they are well positioned to make significant contributions to the economic development of our dear nation.”

He averred that President Akufo-Addo government has implemented several youth-focused initiatives specifically seeking to address the challenges faced by the Ghanaian youth.

“The YouStart programme, one of such government initiatives, was successfully piloted with 70 beneficiaries and an amount of GH¢1.98 million disbursed to support youth-led (below the age of 40 years) SMEs. This initiative will be further augmented to effectively assist more youth led businesses in the coming years.”

He pointed out that government is very much aware of their complaints and concerns and is very committed to creating a favourable business environment for existing and emerging businesses.

Dr Bawumia commended the Board and Management of the Youth Employment Agency for their unwavering commitment and dedication to fulfilling their mandate towards the Ghanaian youth.

On his part, the Chief Executive Officer (CEO) of YEA, Kofi Baah Agyepong explained that comprehensive information and real-time updates will be disseminated across all of the agency’s social media platforms.

The programme he said, holds the promise of not only supporting young businesspeople but also addressing the pressing issue of youth unemployment in the country.

He said, a substantial amount of One Hundred and Twenty Million Cedis (GH¢120 Million) has been earmarked a for BEAP and is anticipated to benefit 10,000 MSMEs and 20,000 young Ghanaians, serving as a beacon of hope for those navigating the aftermath of the global economic downturn.

Kofi Baah Agyepong said: “The severe impact of the COVID-19 pandemic on businesses nationwide, BEAP comes as part of the Akufo-Addo government’s COVID-19 Economic Recovery Programme (COVID-19 ERP). This initiative, in response to economic challenges, seeks to rejuvenate businesses and provide a much-needed boost to the economy.”

BEAP, spearheaded by the YEA, aims to offer critical support to micro to small-scale enterprises.

The primary objective is to revive MSMEs affected by the global pandemic, enabling them to rehire laid-off employees, employ new workers, and provide essential skills for enhanced productivity.

The allocated GH¢120 Million will be distributed among beneficiary MSMEs, with each expected to engage a maximum of five (5) employees. Employees will receive a monthly allowance of GH¢ 500 as a top-up to their regular salary for one year, offering crucial support for businesses to recover and expand.

Source: Ghana/Starrfm.com.gh/103.5FM/Akokoraba Nyarko

Musician Edem granted GHc50k bail after knocking down woman to death

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Starrfm.com.gh

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December 11, 2023

Veteran Ghanaian Recording Artist and Entertainer, Denning Edem Anthony, who performs under the name Edem (formerly Ayigbe Edem) has been charged and granted bail by the Kaneshie District Court after he is said to have knocked down a 40-year-old woman who has since died.

He was charged with two counts of offenses namely – “Careless and inconsiderate driving and negligently causing harm,” contrary to statutes.

He has been admitted to bail in the sum of GHc50, 000 with two sureties by the Kaneshie District Court when he was arraigned.

His plea to the two counts has not been taken by the Magistrate, Nana Abena Owusu-Amenyo, while the case has been adjourned to February 15, 2024.

According to the brief facts of the case, on Sunday, December 10, 2023 about 2:00am, suspect driver, Denning Agbeviadey Anthony was driving a Honda Touring saloon car with registration number GX 301 1-19 from Abeka Junction heading towards Spintex road through the George Walker Bush Highway and occupied the middle lane.

The 36-year-old, according to the facts, on reaching a section of the road few meters from Dimples Roundabout, knocked down an unknown female adult pedestrian aged about 40 years who emerged onto the highway from the right side.

“The victim sustained serious injury and she was rushed to Police Hospital for treatment but she was pronounced dead on arrival by the medical officer on duty.

“The body is deposited at the hospital’s morgue for preservation, identification and autopsy.

“Damage was caused to the vehicle. Case is under investigation my Lord,” the brief fact stated.

Source: Ghana/Starrfm.com.gh/Murtala Inusah

Navigating The Complex Terrain Of Difficult Customers

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Starrfm.com.gh

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December 11, 2023

Mildred Mensah Mannoh, Head, Private Banking – Stanbic Bank Ghana

“Our greatest asset is the customer. Treat each customer as if they are the only one.” – Larice Leitao.

The intricate dance of dealing with difficult customers is a common challenge faced by businesses, bringing forth a delicate balance of risks and rewards. In this exploration, we delve into the potential pitfalls and benefits while uncovering effective strategies to handle challenging customer interactions.

The Unpleasant Encounter

Rose’s morning has started delightfully, she is having an all bright and sunny day just as beautiful as she imagined it to be. What an ideal day booming with positive affirmations from her raving fans. It’s about 3:30 pm and she plans to end the day in that same elated state and go take care of family. Then suddenly, her phone sounds an unusual tone and responding with a very energetic voice, she says her usual pleasant hello. On the other end of the call is an angry customer, totally unfathomable, who is less than pleased. Her voice rises and falls like a tempestuous storm, and suddenly, her most beautiful day is under siege. The customer shouts, insults, and screams on top of her voice and controls the conversation in just one way, making it impossible to utter a word. Finally, she bangs the phone and threatens to spread the negative word on social media.

She shakes and trembles, totally confused about what to do. She sits quietly for a while to ponder over what just transpired on the phone. Do I not offer the best customer service to my clients? Am I not good after all? She asks herself. Her confidence takes a steep decline. All of a sudden, she regains some energy to deal with this challenge with the right customer resolution tactics through a recent training by her organization. So, I ask you. When was the last time you dealt with a difficult customer? Would it be more appropriate to categorize this person as a customer in ‘difficulty. Who is a difficult customer? Is it one who is already having a bad day, going through a nasty divorce, or the employee truly underdelivered on a promise causing an anger burst?

Dealing with difficult customers can be highly challenging and this aspect of the business often

leaves the employees frustrated, stressed and confused. Nevertheless, by understanding how to navigate these issues, this seemingly overwhelming problem can be addressed whilst maintaining a positive outcome and professionalism in the relationship. Difficult customers are an unavoidable part of doing business. Therefore, even the most experienced customer relationship managers get their fair share of this challenge. Most customers would have a reason behind their rage and not just because they want to prove or seem difficult. In order to have full understanding and resolution to the issue, it requires a deep dive into the matter at hand. A quick, professional approach will yield the desired results being the reward. Your inability to address this in a timely fashion can collapse a business with its high risks. In seeking indicators to identify a difficult customer, these types of customers come in various forms. Recognizing their behaviours is crucial in discovering the appropriate strategies to address their concerns. Identifying a problem is the first step to resolving the issue and preventing future conflicts.

Understanding the Difficult Customer

Before diving into strategies, it’s crucial to define a difficult customer. A difficult customer is a totally dissatisfied, unhappy, displeased and upset person whose service expectations have not been met. The person contacts the relationship manager or the company with a grievance and complains about a bad service which proves immediately overwhelming for the relationship manager. He or she has had a negative experience, a service gone wrong simply put.

Identifying Difficult Customer Types

Difficult customers manifest in various forms – from the angry and impatient to the silent observer who can silently harm a business’s reputation. Recognizing these behaviours is pivotal for tailoring effective strategies to address their concerns.

Strategies for Effective Resolution

To navigate these challenges, a set of tested strategies are imperative. These include maintaining composure, empathizing with the customer, apologizing sincerely, finding immediate solutions, and knowing when to escalate. Such approaches can lead to the coveted reward – retaining difficult customers as valuable clientele.

Risks and Rewards

Dealing with difficult customers carries inherent risks such as brand damage, loss of customers, and legal complications. However, successfully resolving issues can transform disgruntled customers into raving fans, fostering loyalty and brand warmth. While facing the inevitability of challenging customers, businesses can minimize risks by thoroughly training staff, logging complaints for analysis, and addressing internal issues that contribute to customer dissatisfaction.

Turning Challenges into Opportunities

Handling difficult customers is not just a challenge; it’s an opportunity for businesses to showcase their conflict resolution prowess. Resolving conflicts effectively can result in loyal customers, showcasing the service recovery paradox. Dealing with difficult customers requires a strategic mindset, empathetic understanding, and specific skills to navigate complex situations. By turning negative experiences into positive ones, businesses can not only maintain customer satisfaction but also foster lasting relationships, creating a ripple effect of positive word-of-mouth.

Source: Ghana/Starrfm.com.gh/103.5FM

Stanbic employees donate to the demonstration school for the deaf

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December 11, 2023

The Affluent Team of Stanbic Bank Ghana has donated foodstuff to the Demonstration School for the Deaf at Mampong in the Eastern region. The delegation from the bank spent time engaging with the students and presented food items and a cash donation of GHS 5,000 to support the maintenance of school facilities.

Margaret Obimpeh, Head of Affluent Clients, led the Stanbic team and explained that the donation was part of their efforts to give back to society and drive national growth through education.

She said, “Stanbic Bank Ghana is an organization that believes in giving back to society towards driving national development. As a member of this bank, we at the Affluent Clients Unit firmly believe in contributing to the realization of this vision by supporting the communities we operate in and beyond. An essential growth driver for any country is quality education. Regardless of your disability, every child deserves access to proper education. That is why we have come to support the Demonstration School for the Deaf.”

“Last year we constructed a fully equipped ultra-modern place of convenience for students on campus. We saw how committed the staff of the school were to caring for the students and we pledged to return to contribute once again to the success of the school. Today we are here to provide these food items to the school. These items will assist in providing the students with the nourishment they need. We believe that this will lessen the financial burden on the school and help the students thrive and focus on their studies. We remain committed to supporting this institution as it continues to care for these brilliant children. We commend the entire staff and management of the school for their hard work and dedication to these children.”

The headmaster of the school, Setumte Ametewee, thanked the members of the Affluent team for the kind gesture saying,

“We are truly grateful to the Affluent team from Stanbic Bank. They have brought joy to Mampong. running an organization that aims to support hearing-impaired children comes with several challenges. Recently, we celebrated our first Speech and Prize Giving Day where we rewarded deserving students and appealed to the public for support. We are therefore grateful to the Affluent Team for answering our call with this act of generosity.”

The Demonstration School for the Deaf currently has 531 students studying programs such as leather works, hairdressing, sewing, and beads making at the vocational level. Last year, The Affluent Team from Stanbic constructed and handed over a fully equipped ultra-modern place of convenience. The team also donated assorted items including detergents, soft drinks, and foodstuff to support the day-to-day running of the school.

Source: Ghana/Starrfm.com.gh/103.5FM

Stanbic wins financial deal of the year at Ghana Mining & Industry awards

By

Isaac Dzidzoamenu

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December 11, 2023

Stanbic Bank Ghana, a member of the Standard Bank Group, Africa’s largest bank by assets, has been awarded the Financial Deal of the Year Award at the 9^th edition of the Ghana Mining and Industry Awards (GMIA) held at the Movenpick Ambassador Hotel, Accra.

The award celebrates a financial transaction between a local financial institution and a producing mining company or a contract miner that is breaking new ground and supporting the sustainability of mining operations. A corporate facility to Golden Star Wassa Limited earned the bank this recognition.

Lorraine Mac-Pods, Head of Mining and Metals at Stanbic Bank Ghana, who received the award on behalf of the bank said, “At Stanbic Bank, we believe in providing excellence in every aspect of our business. Ghana is our home and we drive her growth. Therefore, as a bank, we are concerned with providing support to the mining sector which is a crucial area for national growth through the Mining and Metals Department. This award is proof of our dedication to setting new standards for innovation, resilience, and strategic brilliance. We have also worked tirelessly to set a new standard and demonstrated a level of financial ingenuity that has not only shaped the destiny of their respective companies but has sent growth signals through the entire mining sector.”

She added that, “I am grateful to the Ghana Mining Sector for this recognition. Congratulations to the entire team of committed men and women who have contributed to making this possible through their tireless efforts. We at the Mining and Metals Department of Stanbic Bank pledge to continue to work hard to ensure that we continue to spur growth in the mining sector”.

The Ghana Mining Industry Awards forms part of the Ghana Chamber of Mines mining conference and exhibition, the Mining Summit which is held to forge partnerships with counterparts from other parts of the world. It also helps to reposition Ghana as the gateway for mining investment and business opportunities in West Africa and to connect mining companies with investors, suppliers, and government officials to explore the vast mining and development opportunities.

Stanbic Bank Ghana is a bank licensed by the Bank of Ghana and the Securities and Exchange Commission (SEC) to operate as a financial service provider. Over the years, Stanbic Bank has supported the mining sector to help it thrive and grow to accelerate the socio-economic development of the country by allocating more than $800 million to support mining companies to procure machinery and equipment for their production process.

Source: Ghana/Starrfm.com.gh/103.5FM

E/R: Fetish priestess arrested for allegedly defrauding bereaved families

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Starrfm.com.gh

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December 11, 2023

Florence Amo, a fetish priestess, has been apprehended by the Eastern Region Police for allegedly defrauding multiple bereaved families by falsely claiming responsibility for their loved ones’ deaths.

Her partner in crime, Abraham Odotei, remains at large.

The festish priestess’ deceitful tactics involve searching communities for obituary posters of relatively affluent bereaved families.

She then approaches these families with fabricated allegations, asserting that the deceased had sought spiritual financial assistance, referred to locally as “Boame,” at her shrine.

However, the deceased failed to fulfill their end of the spiritual agreement, resulting in their untimely demise.

Exploiting the vulnerability of grieving families, the festish priestess proceeds to threaten them, insisting on performing elaborate rituals, including appeasing the gods and demanding substantial sums of money before allowing the deceased to be buried.

She further warns that non-compliance will lead to ongoing deaths within the family, starting with those who orchestrated the funeral.

Driven by fear, numerous families fell victim to her deception, paying significant amounts of money under duress.

Florence Amo’s arrest followed a report filed by a family that had previously fallen prey to her schemes.

Subsequent investigations revealed multiple victims with similar complaints.

Florence Amo has been remanded by the Koforidua Circuit Court “B.”

However, her defense counsel has failed to appear in court on two occasions for case management.

During the latest court session, the prosecution expressed concern over the defense counsel’s absence despite being served with necessary documents.

Presiding Judge Her Honour Matilda Ribeiro emphasized that proceedings would continue without delay if a valid excuse was not provided.

Reluctantly granting Amo’s plea for another adjournment, the judge directed her to obtain the necessary disclosures. In the event of the defense counsel’s continued absence, case management will commence on the next adjourned date, scheduled for December 19, 2023.

Source: Ghana/Starrfm.com.gh/103.5FM/Kojo Ansah

I’ll work with Mahama for the success of NDC – Duffuor

By

Isaac Dzidzoamenu

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December 11, 2023

Former Minister for Finance, Dr. Kwabena Duffuor has stated his commitment to making sure that former President John Mahama and the National Democratic Congress (NDC) succeed in the 2024 election.

In a Facebook post Dr. Duffuor indicated that he was at the former President’s residence as a customary return gesture to his earlier visit to me and my family.

“I paid a visit to our flagbearer and Former President John Dramani Mahama at his residence as a customary return gesture to his earlier visit to me and my family at my residence.

“We discussed a range of issues pertinent to our party and the Ghanaian people and the need to work hard towards victory 2024 together,” Dr. Duffuor stated.

He continued: “I remain committed to the National Democratic Congress (NDC) and the flagbearer and look forward to working with Former President John Dramani Mahama towards our party’s success and long term development. Together4Change and for #Victory2024.”

Source: Ghana/Starrfm.com.gh/103.5FM

Spokesperson of New Force granted GHc20k bail

By

Isaac Dzidzoamenu

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December 11, 2023

Spokesperson for ‘New Force’ a political group, Shalimar Abbiusi has been granted bail in the sum of GHc20, 000 with two sureties by the Kaneshie District Court.

In addition to the bail sum, the court said she should report to the Immigration Officers three times every week and the prosecution should hold on to her passport until final determination of the case.

The Court also said, the places of abode of the sureties should be known to the Prosecution.

This was after the 30-year-old Belgian national, Shalimar Abbiusi pleads not guilty to one count of “obtaining for yourself a student permit by false declaration contrary to section 52 (1) (i) of the Immigration Act 2000 {Act 573).”

The Magistrate, Nana Abena Owusu-Amenyo has adjourned the case to December 91 for Shalimar who was in Court with her relatives to reappear.

Bail
Lawyers of the accused, led by Francis Xavier Sosu while praying for bail said, his client has persons of independent substance to stand as sureties for his client.

He said, the Independent sureties are of sufficient means who can guarantee the availability of the accused to ensure her availability during trial, even if it was for day-to-day trial.

He also submitted that, at the appropriate time, “we will adduce sufficient evidence” to prove their innocence.

According to him, the Charge against his client has no substance and that sureties.

Porous borders

The Prosecutor Adolf Aboagye Afreh, an Assistant Commissioner of Immigration while opposing to bail said, Under immigration Act 2000, the offense of this nature the burden is on the accused person.

He submitted that, the prosecution is to raise doubt while the accused is to prove that indeed she is a student of the university

“As I indicated to you on Thursday, (December 7), the accused is a flight risk and though we have her passport she can flee at anytime,” he said.

He submitted that, even though he is an immigration officer, he admits that the Ghana borders are porous and she can flee if she decides to.

He argued that, the State is actually interested in her activities in the country as a foreigner and her interest in engaging in polical activities in the country.

He urged the court to refused her bail.

Brief facts

Per the brief facts, the accused person is a 30 year old Belgian and was arrested when she was invited by the Head of National Enforcement Section at the Immigration Headquarters in relation to her Immigration Status in the country.

It states that, the Ghana Immigration Service’s attention was drawn to the activities of the accused on social media.

The facts stated that, she was found in some short-video in circulation introducing the emergence of a new political grouping described as “The New Force”.

It stated that, she introduced herself as the spokesperson for the force and Investigations revealed that the accused first came to Ghana on the 4th of September, 2017 through the Kotoka International Airport (KIA).

It said, she has since been a regular visitor to the country until 2018 when she-became a resident following her supposed admission as a student of the Ghana Christian University College.

The Prosecution dated that, checks from the College reveals that the accused has never been a student. The documents purportedly issued by the college to support her application for residence permit are forged.

“Investigations are still ongoing to unravel the full scale of the issue surrounding the
emergence of the new Political group dubbed ‘The New Force’.

“Accused is therefore charged with the offence .and arraigned before this honourable court for remand into Immigration custody to enable investigators continue with
investigations,” it stated.

Source: Ghana/Starrfm.com.gh/103.5FM/Murtala Inusah

Headmasters imposing illegal fees on students causing students dropout – EduWatch

By

Isaac Dzidzoamenu

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December 11, 2023

Education Think Tank, Africa Education Watch (EduWatch) has said the unauthorized fees imposed by some headmasters are worrying and causing students dropout.

This comes on the back of the GES interdicting over eleven headmasters from Ashanti, Bono, Eastern and the Greater Accra regions for allegedly charging Form One student’s unauthorized fees.

The latest headmasters interdicted for investigation to commence are the Headmaster of Berekum Senior High School, Mr. Afi Yaw Stephen and Headmaster of Odomaseman Senior High School, Mr. Joseph Jilinjeh Abudu.

They are to handover to their respective District Directors of Education until any other communication from the GES.

Speaking on Morning Starr with Francis Abban, the Executive Director for EduWatch, Kofi Asare explained that many poor families are affected by these illegal fees imposed on first year students.

“It is worrying that over 50 schools we have conducted research on, that school heads are imposing illegal fees and making extra demands aside from what their employers that is Ghana Education Service has asked.

“It is worrying because poor parents who cannot afford may be turned away because they may lose interest. I say this because people feel that it is something small, no it is not small,” Mr. Asare stated.

According to him, from a research which Africa Education Watch has conducted on the cost of Secondary Education in Ghana exposes how much parents will have to pay before students are enrolled.

“My grandson Emmanuel completed Junior High School with aggregate 18 and was placed in Nkawea Technical. We didn’t have the money to purchase the items required for admission and make all payments. He was a boarder. The items will cost around GHC3,000. Her mother and I are managing a farm to feed the family. It is not a large-scale farm that sells the crops and saves money for a secondary education. He is currently home doing nothing. If help comes through for us we will let him go back to school next academic year. (May 2023),” excepts from a yet to be released report by EduWatch.

Mr. Asare said GHC3000 denied the student from a poor family access to education even though there is free education.

He further stated that the development is worrying with respect to the high sums of money parents have to pay adding that some parents are paying double what the government has sanctioned.

Source: Ghana/Starrfm.com.gh/103.5FM

Unauthorized fees: GES interdicting headmasters as a step measure wrong – Nortsu-Kotoe

By

Isaac Dzidzoamenu

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December 11, 2023

Ranking member on the Education Committee in Parliament, Peter Nortsu Kotoe has condemned the Ghana Education Service (GES) for interdicting headmasters as a step measure for charging unauthorized fees from first year students.

This comes on the back of the GES interdicting over eleven headmasters for allegedly charging Form One student’s unauthorized fees.

The latest headmasters interdicted for investigation to commence are the Headmaster of Berekum Senior High School, Mr. Afi Yaw Stephen and Headmaster of Odomaseman Senior High School, Mr. Joseph Jilinjeh Abudu.

They are to handover to their respective District Directors of Education until any other communication from the GES.

Speaking on Morning Starr with Francis Abban Monday, the lawmaker stated that there are persons within the Ministry of Education engaged in offenses but are still at post.

“For me it is unfortunate that the Ghana Education Service is taking such steps, you don’t treat professionals like that. At the Ministry the scandals they have committed there when they have diverted sums of money meant for other projects to do other things.

“When they have turned themselves into consultants although they are the government employees. Has anybody asked them to go on interdiction or step aside, no. They are still at post so if any head of institution has done anything wrong, is it only an interdiction that you should use as a step measure?” Mr. Kotoe asked.

According to him, the development has become too many and the GES is misusing its powers.

“Have you invited them and asked them why they are charging those fees? So interdiction has become a rendition for the Ghana Education Service. That anytime a headmaster coughs then they must be interdicted,” the lawmaker stated.

Source: Ghana/Starrfm.com.gh/103.5FM