Fight for survival is a 2000km commute



PLUMTREE, ZIMBABWE // The journey snaps his energy. Thirty-four hours, 2,144km, on a stuffy bus overloaded with passengers and luggage. But Tshepo Mpofu, 34, has no choice. The ride from the capital, Harare, to Gaborone in neighbouring Botswana and back is a test of stamina, but one he endures just to earn enough money to survive and support his wife and three children. He undertakes the gruelling journey twice a month, or more, like others in the growing ranks of informal cross-border traders in Zimbabwe. "I buy items like television sets, digital video decoders, radios and groceries in Gaborone for sale back home. It helps me a lot because I earn some money to sustain my family," Mr Mpofu said. On average, he said, he buys goods worth 1,000 Botswana pula (Dh460) and after selling them, he makes a profit of about 3,000 pula. This is a decent return in a country where the common monthly salary is 570 pula. As much time as he spends on the bus, he spends even more queuing at the two countries' border, especially as it becomes even more popular with Zimbabweans travelling to Botswana to buy food and other basic commodities. Zimbabwe is grappling with a 10-year-long economic crisis that has left most companies operating at below 10-per-cent capacity or completely closed and inflation that was estimated at 231 million per cent in July. As a result, there are widespread shortages of just about everything, including cornmeal, soap, cooking oil, salt, flour and clothing. The shortage has eased marginally in recent months, but the cross-border traffic continues. The traders import mainly from Botswana, Mozambique, Zambia and the regional economic powerhouse, South Africa, to earn an income. Columns of vehicles, packed with entrepreneurs and their luggage, are now a common sight at Zimbabwe's borders. Although some packed the tops of buses and in cars, others ride precariously perched on top of overloaded open lorries. To cope with the mounting traffic, two passenger train services were recently introduced. They link Zimbabwe with Botswana through Plumtree and Zimbabwe with South Africa through Beitbridge. Beitbridge is Zimbabwe's busiest border post. Plumtree, on the border with Botswana, is the second busiest, followed by Chirundu near Zambia to the north and Forbes on the border with Mozambique to the east. To try to address the shortages at home, the government has suspended duty on all imported basic commodities. Julia Murisi, 28, prefers going to Botswana instead of South Africa because Zimbabweans do not need to obtain visas to visit. Apart from stringent visa requirements, the 2,276km roundtrip bus journey from Harare to Johannesburg is another push-factor. She regularly travels from Harare to Gaborone or sometimes Francistown, a shorter distance from the border. "Goods are cheaper in South Africa than in Botswana," she said, heaving a carton of laundry soap from the trailer of a minibus at a customs checkpoint at Plumtree. "But the problem is the high visa fee. Also, the Beitbridge border post is always busy. That is why I favour Botswana. It is also a tedious journey, but it is something that I have gotten used to now. This has sort of become my job." After unloading her belongings, she stands in the searing summer heat at the tail of a queue, snaking for 100 metres. It takes another three or so hours before officials - taking their time - sift through her luggage to check it against her customs declaration form. "Immigration and customs formalities are most taxing. They hand-check every item in your luggage and you can imagine the time you spend when the queue is long like this. "But if you are not prepared to work like this - sleeping on the bus, spending the day hungry or queuing for hours on end, you cannot survive in this country," she said. On the trip to Gaborone, Ms Murisi takes handiwork that she sells to tourists. She then uses the earnings to buy groceries, shoes and electrical appliances for resale back in Harare. Because the bus staff have to spend hours arranging and rearranging the luggage on the roof of the bus each time a passenger disembarks, the journey to Harare from Plumtree takes up to 12 hours instead of six. It also takes longer because the bus travels slowly - to prevent the baggage from falling off. In Plumtree, as night falls, Ms Murisi is finally through the tortuous customs formalities and heads off to the waiting bus to start the foreboding 551km, 10-hour ride back to Harare. tmpofu@thenational.ae

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Bookshops: A Reader's History by Jorge Carrión (translated from the Spanish by Peter Bush),
Biblioasis

Nayanthara: Beyond The Fairy Tale

Starring: Nayanthara, Vignesh Shivan, Radhika Sarathkumar, Nagarjuna Akkineni

Director: Amith Krishnan

Rating: 3.5/5

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Citadel: Honey Bunny first episode

Directors: Raj & DK

Stars: Varun Dhawan, Samantha Ruth Prabhu, Kashvi Majmundar, Kay Kay Menon

Rating: 4/5

Juliet, Naked
Dir: Jesse Peretz
Starring: Chris O'Dowd, Rose Byrne, Ethan Hawke​​​​​​​
​​​​​​​Two stars

Wicked
Director: Jon M Chu
Stars: Cynthia Erivo, Ariana Grande, Jonathan Bailey
Rating: 4/5
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COMPANY PROFILE
Name: ARDH Collective
Based: Dubai
Founders: Alhaan Ahmed, Alyina Ahmed and Maximo Tettamanzi
Sector: Sustainability
Total funding: Self funded
Number of employees: 4
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TRAP

Starring: Josh Hartnett, Saleka Shyamalan, Ariel Donaghue

Director: M Night Shyamalan

Rating: 3/5

KEY%20DATES%20IN%20AMAZON'S%20HISTORY
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Fixtures (6pm UAE unless stated)

Saturday Bournemouth v Leicester City, Chelsea v Manchester City (8.30pm), Huddersfield v Tottenham Hotspur (3.30pm), Manchester United v Crystal Palace, Stoke City v Southampton, West Bromwich Albion v Watford, West Ham United v Swansea City

Sunday Arsenal v Brighton (3pm), Everton v Burnley (5.15pm), Newcastle United v Liverpool (6.30pm)

Company%20Profile
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If you go
Where to stay: Courtyard by Marriott Titusville Kennedy Space Centre has unparalleled views of the Indian River. Alligators can be spotted from hotel room balconies, as can several rocket launch sites. The hotel also boasts cool space-themed decor.

When to go: Florida is best experienced during the winter months, from November to May, before the humidity kicks in.

How to get there: Emirates currently flies from Dubai to Orlando five times a week.
COMPANY PROFILE
Name: Almnssa
Started: August 2020
Founder: Areej Selmi
Based: Gaza
Sectors: Internet, e-commerce
Investments: Grants/private funding
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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.