Staroot Journal

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EDITION: SEP/OCT 2012

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caution! radiovutta is on air: making an impact emakasana.

INSIDE JOBS BURSARIES INTERNSHIPS LEARNERSHIPS BUZ ADVICES MOTIVATION EDUCATION

FEATURES IN THIS ISSUE: PAGE 1 Cover Story PAGE 2 Feature Story PAGE 15 Health Issues PAGE 16 Finance Issues BACKPAGE Staroot Events

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Mr Petros Khoza a 30 year old from Ekurhuleni Daveyton, who has come up with a brilliant idea of an Online Radio station called Radio Vutta that was launch this year September, he share with Staroot Journal that now the radio station is fully functional as he is still training those who will be the presenters, but in a meanwhile you can visit the radio station website.

Mr Khoza is very happy to proclaim that finally in his community (Daveytom) has given birth to its own online radio station that will show case black excellence, brilliant local talent and black local business. Khoza said: “our community have been waiting for the platform that would help them to voice their views and local artists needed a platform where they can be celebrated and share their art with the locals.

tor which will be used by the stuff on their operations mobilizing drive in within Daveyton.

Radio Vutta support 95% of makasana music and 5% national music, for every music submission they request a subscription fee of only R50 in return you will be awarded a Radio Vutta branded key holder or a sticker together with a photoshoot of 5 pictures and your music will be aired on Radio Vutta also promoted across all social media.

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Radio Vutta has scouted more than 15 volunteers whom steams music while raising funds to buy studio equipment its needs. He added “our breakfast show will entertain while educating and inspiring others to go after their dreams, midday show will focus on social issues and still under development.

Khoza argued the community to support their fundraising drive by buying coffee mugs and key holders, as this will help the management of the radio station raise enough funds to purchase a gazebo and a genera

SEP/OCT 2021

you can visit

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To Build a Powerful Brand, Begin on the Inside and Move Out.

We are living in an authenticity economy. Consumers have taken control of the conversation and, thanks to the internet and social media, can see for themselves what’s real and what isn’t. They can see when a business doesn’t keep its word, or when it’s being phony and simply doing and saying whatever they think consumers want. “You want blue? Sure, we’ve always believed in blue. Oh, you want green? That’s what we meant, green is what we believe.”

And why not? For decades, businesses have looked outside of themselves for their beliefs. They’ve spent incredible amounts of time and money paying so-called experts to ask consumers what their brand should stand for. Once they uncover an appealing space, they use loads of money and fancy marketing to try to get consumers to buy into it.

But that’s fake authenticity, and consumers are rejecting it. They reject it in business the very same way they reject it in politicians, the media, religion and many other institutions.

On the other hand, when consumers see a business with an authentic brand belief that they share — and the business reflects that belief in everything it does — they become loyalists, even evangelists. That’s because consumers buy into belief, not pandering.

The Dyson conviction Take Dyson, for example, a brand that has used its belief in the power of great design to create better products of all sorts. Dyson doesn’t look to consumers for answers; it does what it believes and looks to consumers for advocacy. I know because I worked firsthand with James Dyson and got to understand his belief and see it in action. What I saw was a brand that authentically believed that brave design, combined with inventive engineering and constant improvement, can, and should, make things better. James didn’t spin anything; his company behaved with his belief and hoped people would come on board. And come they do. They pay extraordinary amounts of money for a vacuum cleaner and other everyday products. And while it’s true that people are buying a great product, what they’re also doing is buying into Dyson.

James Dyson’s strong, consistent and clear belief has built an incredibly successful brand, not only in terms of economic success, but as an innovation juggernaut, disrupting and influencing categories and even entire industries. Dyson is unwavering in its commitment to its belief and that has created a fiercely loyal customer army as a result — an army that is willing to follow that belief into all sorts of products.

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starootjournal@gmail.com To be powerful, be authentic For people today, authenticity matters and they demand it — authenticity that lives firmly at a brand’s core, not some manipulated baloney pulled out of thin air. People look to why a brand does what it does and the reason its product/service exists. If a brand has a core belief and people believe what it believes, they will more likely become loyalists.

Therefore, every brand today must uncover, or rediscover, its core belief. And they must look inside — not out — to find it. It’s important to remind ourselves that this kind of #STAROOTjournal authentic brand belief must be truly foundational; it must come from the principles of the business. Too often, brands confuse principles with practices. They think that certain practices can define their brand, like messaging, when, in reality, practices can be fluid and change, while principles are carved in stone.

Instill authenticity into your culture But knowing that is only half the answer — it’s a great start — but if a brand can’t install that belief into its culture, it’ll only ever be a start. Every organization needs to know how to commit to it. It must install it into its DNA, commit it to muscle memory and become a conviction business. It must behave as its belief, make decisions because of its belief and hire, innovate and execute through its belief.

This goes beyond “marketing.” This is defining and installing the core principle of what your brand stands for. This is its mission and why it gets out of bed in the morning.

Because it’s not only consumers that want to buy into what a brand believes. So do employees, stakeholders and stockholders. In fact, they must, because the behavior of a brand’s internal culture is the brand itself.

But there are constant factors that conspire to take a brand off its course. So instilling and maintaining that authenticity takes talent, creativity, great execution and a whole lot of persistence. To use James Dyson again, he didn’t simply cross his fingers and hope that the people he hired and worked with would get on board — he made it happen through the ways he communicated and the things he communicated with, including writing an employee book that stated his belief between its covers so that there could be no misinterpretation.

If you can’t tell, I believe that branding starts on the inside, with internal culture. Oh sure, a lot is said about branding as an external force designed to get the consumer to engage and hold on, and that’s true. But branding isn’t only a design and messaging exercise — it’s a commitment to a behavior. And if that behavior doesn’t dovetail with the external expression of the brand, it’s doomed to be seen as just another marketing ploy.

Unfortunately, there is no template for articulating and installing a company’s core belief. But one thing is for sure: There’s a whole lot of success when done right. https://www.entrepreneur.com/article/370752

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Fidelity Services Group: Graduate / Internship Programme 2022 Closing Date 29 October 2021 Location: Johannesburg Fidelity Services Group is offering a select few graduates an opportunity to embark on a unique 24-month development programme that will equip them with the knowledge, skills, and abilities to lead a team in the business, providing you with an opportunity to transition into an identified role within the organization. During your time you will be developing knowledge, skills, and abilities, as well as personal characteristics that will enable you to lead, show innovation and implement agreed strategies with ambition passion and urgency.

The graduate programme will help to develop both your individual attributes and career aspirations through exposure to various specialized business concepts, objectives and outcomes.

Exposure to business concepts forming part of the graduate programme: The management and effective control of resources The implementation of organisational strategies, policies, practices, processes and procedures Utilising available resources to meet the demands of the company and customers Remaining competitive and taking cognisance of applicable legislation and best practices to perform daily activities of the operations in a responsible manner with quality and quantity of work as a priority Programme objectives: Provide graduates the opportunity to be a part of an accelerated development programme that aims to fast-track their career journey Ensure that a developmental pipeline is created for key roles within identified business units Graduate programme outcomes: Learn how to manage yourself and others and lead a team Understand the operations of the business and its departments by conducting SWOT Analyses etc.

Explore business functions that will increase productivity, quality and customer services while reducing costs through utilising modern process techniques Understand the monthly, quarterly and annual financial processes and propose ways to optimise spend or reduce costs

Programme requirements:

Qualifications such as but not limited to, fields including: Business Management, Finance, Marketing, Sales, Communications, Logistics, Mathematics, Computer Science, Engineering, Technology, Law, Criminal Investigation, or equivalent qualifications at an NQF 7 level. Postgraduate is advantageous.

0 – 3 years of experience Valid Driver’s License Clear Criminal Record Must be fully computer literate on MS Office suite Must have own reliable transport Willingness to job rotate and be away from the appointed place of work Leadership qualities Organisational skills Control of projects and other responsibilities How To Apply Apply Online https://fidelityservicesgroup.simplify.hr/Vacancy/26139

SEP/OCT 2021

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ABSA: Global Markets Graduate / Internship Programme 2022 Location: Johannesburg Participate in a professional development programme in order to maximise individual and organisational development, through the execution of predefined training objectives.

Job Description Workplace experiences: Attend and participate in all workplace experiences against agreed development objectives | Learning: Attend and participate in all training and development interventions against agreed development objectives | Ad Hoc duties: Provide support to customers and team as required to ensure team performance on an ongoing basis | Administration: Effectively fulfil all required administrative duties, including tracking and reporting Education Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required) How To Apply Apply Online: https://absa.wd3.myworkdayjobs.com/en-US/ABSAcareersite/job/Sandton/Global-Markets-Graduate_R-15923138

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SEP/OCT 2021

SAPS: HR Division Graduate / Internship Programme 2022 Closing Date: 15 October 2021 The South African Police Service hereby invites unemployed graduates who conform to the requirements for a twelve (12) month Graduate Recruitment Scheme. The Graduate Recruitment Scheme is part of the National Human Resource Development Strategy and the National Skills Development Strategy.

Generic requirements: Be a South African citizen Must be in possession of National Senior Certificate or equivalent (NCV L4) Must have no previous criminal conviction(s) or case(s) pending Applicants must be unemployed, never employed in field of the advertised post and never participated in an internship programme in the relevant field of the Post Applicants must be residents of the Province where the post is advertised (proof of residential address to be attached) Applicants are restricted to apply for only three (3) posts and complete a separate application form for each reference number.

Intern categories with minimum requirements: Graduate Intern: Tertiary Qualification is required NB: STIPEND FOR THIS CATEGORY WILL BE DETERMINED BY THE DIVISIONAL COMMISSIONER: HUMAN RESOURCE DEVELOPMENT: SOUTH AFRICAN POLICE SERVICE.

How To Apply

Inspectorate ENQUIRIES: Lieutenant Colonel J Esterhuizen: Tel: 012 393 3246 AC GS Nicodemus: Tel: 012 393 3534 APPLICATIONS POSTED: The Divisional Commissioner Inspectorate Private Bag x94 Pretoria 0001 APPLICATIONS HAND DELIVERED: The Skills Development Facilitator, Division: Inspectorate Opera Plaza Building, 3rd floor, Room 323/324 Division: Financial Management Services.

Applications Must Be Posted To: Division: Financial Management Services Lieutenant Colonel E Mpembe Private Bag X94 Pretoria 0001 Hand Delivered To: SAPS Head Office, Wachthuis, 231 Pretorius Street (Thibault Arcade), Pretoria Enquiries Can Be Directed To: Lieutenant Colonel E Mpembe: Tel no (012) 393 2894 PO NB Shirindza Tel no (012) 393 1620 PO BA Malesa Tel no (012) 393 2273 Division: Human Resource Management.

CONTACT PERSON NUMBER Lt Colonel BP Maluleke (012) 393 5055 Capt B Boshomane (012) 393 4390 Sgt T Maphanga (012) 393 1563 PO E Raphela (012) 393 1632 Colonel Roos, (012) 393-7002

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Department of Health HR Clerk Reference Number : refs/012168 Directorate : Human Resources Number of Posts : 1 Package : R 173 703.00 - R 204 612.00 per annum (plus benefits) Enquiries : Mr JV Mtimkulu, Tel 012 529 3450 Requirements : Grade 12 or equivalent. Experience in Human Resources will be added as an advantage (Internship certificate or service record must be attached) . Computer literacy certificate must be attached. Relevant qualifications or certificates will be an added advantage. PERSAL certificates will be an added advantage. Good understanding of HR prescripts, Good communication and report writing skills. Ability to work under pressure and long hours. . Excellent analytical, mathematical, and creative problem-solving skills. Be technological savvy and understand the important HR technologies. Knowledge of the Human resources intelligent apps in the public sector Duties : Administer and implement HR policies. Implement e-HRM Services, Employee Self Service, e-Performance Management and Development System, e-submission, e-recruitment, and facilitate online trainings. Coordinate and facilitate training and induction programmes. Administer internships / learnerships programmes. Serve as a secretary during committee meetings. Administer PMDS. Administer Conditions of services. Capture and analyse data. Filling. Perform other duties as allocated by management and will rotate within HR when required.

Notes : NB: CLOSING TIME WILL BE 12H00 ON THE CLOSING DATE: There will be a Microsoft office skills assessment tests for shortlisted candidates.The Provincial Government of Gauteng is committed to the achievement and maintenance of diversity in employment, especially of race, gender and disability. Applications must be submitted on a new updated Z83 form obtainable from any Public Service Department or from the website and must be completed in full, failure to do so will result in your application being not considered. Applicants are advised that until 31 December 2020 the ‘previous’ application for employment (Z83) form will be applicable, however from 1 January 2021, a new application for employment (Z83) form will be effective. Should an individual wish to apply for a post on or after 1 January 2021, he/she will be required to submit the new application for employment form (Z83) which can be downloaded at www.dpsa.gov. za-vacancies. From 1 January 2021 should an application be received using the incorrect application form employment (Z83), it will not be considered. Recently certified copies of qualifications, ID copy and a CV must be attached. Original certification should be not more than six months. The specific reference must be quoted. Applications can be delivered to: Dr. George Mukhari Academic Hospital, 3111 Setlogelo Drive, Ga-Rankuwa, 0208 Nurses Home Block 13 (HR Registry) or posted to: Dr. George Mukhari Academic Hospital, Private Bag X422, Pretoria 0001 or Apply online at www.gautengonline.gov.za. It is legislative requirement that all newly appointed staff members are subjected to Personnel Suitability Check (PSC)- Verification, upon appointment within the department. This verification processes entails reference checks, identity verification, qualification verification, criminal records check. Successful candidates will be subjected to OHS medical surveillance as required by HBA regulations within OHS Act 85 of 1993.

Employer : Department of Health Location : Dr. George Mukhari Academic Hospital Closing Date : 20-10-2021

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VISIT US ON SOCIAL PLATFORMS:

STAROOT JOURNAL

SEP/OCT 2021

@STAROOTJOURNAL

Page 1 of 2 City of Johannesburg Group Corporate & Shared Services: Group Human Capital Management

6th Floor, B Block Metropolitan Centre 158 Civic Boulevard Braamfontein

PO Box 1049 Johannesburg South Africa 2000

Tel +27(0) 11 407 6711 Fax +27(0) 11 339 1878 www.joburg.org.za

BURSARIES FOR THE 2022 ACADEMIC YEAR This opportunity is open to YOUTH in the Johannesburg community The City of Johannesburg (CoJ) is committed to fulfil its socio-economic mandate by providing training opportunities in the form of Financial Assistance to community recipients, within the Johannesburg metropolitan area who intend pursuing academic studies at a recognised tertiary institution in South Africa and who adhere to the prescribed criteria in order for them to acquire their qualification at a recognised FET and / or HET. The CoJ is offering bursaries to South African youth, who permanently reside in Johannesburg, to pursue full-time undergraduate studies in one of the following fields: Actuarial Science Build Environment (Architecture, Construction) Commerce Communications/Social Media Community Services Curatorial Studies Emergency Management Services Engineering (all Fields) Environmental Management Finance (Accounting, Auditing, Small Business Management, Supply Chain Management, Treasury, Economists) Geo Information Science (GIS) Health (Nursing) Information Technology International Relations and Protocol

Legal Library Local Government Science/Political Science Logistics Marketing Medicine Monitoring and Evaluation Municipal Governance Production and Operations Management Quality Assurance Public Management Quantity Surveying Real Estate (Property Management, Property Valuation) Sports Science Town and Regional Planning

Criteria for selection  Selection of successful candidates will be strictly on academic merit.  Applicants are expected to study at an accredited South African tertiary institution.  It is the student’s responsibility to seek admission with a tertiary institution.  The bursary is for study programmes of no less than one year.  The bursary is renewable annually, based on academic performance/results.  The bursary is not applicable for post graduate qualifications PUBLICATION DATE: 08 OCTOBER 2021 BURSARY CIRCULAR: 01/2021

CLOSING DATE: 05 NOVEMBER 2021

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Department of Health ADMINISTRATION CLERK Reference Number : refs/012137 Directorate : HUMAN RESOURCE Number of Posts : 1 Package : R 173 703.00 Per Annum Enquiries : Enquiries: Mr Philani Buthelezi, 011 694 3714/082 558 9498 Requirements : Grade 12/Matric. Minimum of 1- 2 years’ experience in office administration work. Additional qualification in public service administration desirable. Basic communication skills, interpersonal relations, flexibility, teamwork, attention to detail, computer literacy, planning and organization skills, good verbal, and written communication.

Duties : Render administrative services in the Laboratory and Blood Services Unit office - Record, organize, store, capture and retrieve correspondence and data. Order, arrange delivery of testing materials. Help with test material stock management. Update registers and statistics. Handle routine enquiries. Make photocopies and receive or send e-mails. Distribute documents to various stakeholders as required. Keep and maintain the filing system for the unit. Type basic letters and other correspondence. Keep and maintain the incoming and outgoing register. Print test results as required. Arrange laboratory specimen collection from the Community Health Centre.

Provide supply chain clerical support within the Laboratory and Blood Services component-Liaise with internal and external stakeholders concerning procurement of goods and services.

Complete procurement forms for the purchasing of standard office items. Stock management of office stationery. Keep and maintain the asset register of the unit. Provide personnel administration clerical support services within the component-Maintain leave register for the unit. Book travelling transport to health facilities.

Notes : fully completed and signed new z83 form should be accompanied by a recent updated CV specifying all experience indicating the respective dates (MM/YY) as well as indicating three reference person with the following information: Name and Contact Number(s) ,Email address and an indication of the capacity in which the reference is known to the as well as certified copies of all qualifications and ID documents. Certification should not be more than 3 months old. Applications should be E-mailed to JhbHealth.DistrictJobApplications@gauteng.gov.za. Please ensure that the reference number is quoted correctly. The successful candidates will be subjected to positive results of the security clearance process (criminal records), the verification of educational Employer : Department of Health Location : JOHANNESBURG HEALTH DISTRICT Closing Date : 20-10-2021

SEP/OCT 2021

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SEP/OCT 2021

To be covered on

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e-mail: starootjournal@gmail.com #starootJOURNAL

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SEP/OCT 2021

Department of Co-Operative Governance and Traditional Affairs Project Admin Officer Reference Number : REFS/012135 Directorate : Project Management Office (Back to Basics) Number of Posts : 1 Package : R257 508.00 Enquiries : Mr Caiphus Nkuna/ Andy Ndaba, cell no: 0714747078/51 Requirements : Matric plus NQF Level 7/ Degree in Social Sciences and a Certificate in Project Management. Minimum 1-2 years’ experience at administrative/coordination level within a project-based environment. Proven experience in formulating reports arising from monitoring and evaluation of “projects”. Highly competent, experienced, motivated, ability to communicate well with people at different levels and from different backgrounds, ability to act with tact and discretion, ability to do research and analyse documents, knowledge of the relevant legislation/ policies/ prescripts and procedures, basic knowledge of project coordination and administration, report writing, high level of reliability, language skills and above average interpersonal and relationship skills; good telephone etiquette; high level computer skills, sound organizational skills, excellent communication skills, both written and oral, good people skills, detail orientated, High sense of responsibility, time management, Ability to work in high stress situations, the ability to multi-task, think quickly and work well under pressure whilst maintaining a professional demeanour, conflict handling and Problem- Solving skills. Highly experienced in setting up and managing support functions covering planning, tracking, reporting and internal communication. Understanding of project management concepts. Monitoring, Evaluation and Reporting on projects at an elementary level. Planning, Organising. Knowledge and information management with effective communication.

Duties : Provide a professional secretariat support function to the PMO Heads and PMO meetings. Assist in monitoring, evaluation and reporting of regional plans and deliverables. General office administration, which includes but not limited to: receive telephone calls and exercise discretion; handle queries; perform advanced typing; liaise with key customers; regional conveners; relevant stakeholders; other Provincial departments etc; Ensure effective flow of information and documents to and from the Project Management Office; minute general meetings as required and distribute minutes and action plans; Diary management; arrange and schedule meetings; confirm appointments; preparation of agendas and record keeping of meetings; book venues and handle logistical arrangements for meetings and workshops; Report writing; manage the overall procurement processes for the unit; coordinate and administer payment of service providers; manage monthly expenditures on goods procured. Ensure the safekeeping of all documentation in the office in line with relevant legislation and policies; develop and manage a register of all incoming and outgoing documents in line with the business objectives of the Project Management Office. Conduct research for team members; Analyze and develop progress reports; Prepare requested documents for team members; Monitor project progress and address potential issues.

Notes : No late applications will be considered. No faxed or emailed applications will be accepted. People with disabilities are encouraged to apply. It is our intention to promote representativity (race, gender and disability) in the Public Service through the filling of these posts. It is the applicant’s responsibility to have foreign qualifications evaluated by the South African Qualifications Authority (SAQA). Applications should be submitted strictly online at http:// professionaljobcentre.gpg.gov.za and it should be accompanied by a Z83, comprehensive Curriculum Vitae (CV) as well as certified copies of qualifications, Identity and valid driver’s license (where driving/travelling is an inherent requirement of the job). Correspondence will only be limited to shortlisted candidates. If you have not been contacted within 3 months of the closing date of this advertisement, please accept that your application was unsuccessful. The Department reserves the right not to make appointment(s) to the advertised post(s).

Employer : Department of Co-Operative Governance and Traditional Affairs Location : JHB Closing Date : 18-10-2021

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Foschini Group: Graduate / Internship Programme 2022 Location: Johannesburg and Pretoria Are you looking for an exciting career in retail? Would you like to be part of a leading fashion lifestyle retailer and join one of TFG’s fabulous brands?

We offer a 12-month Learnership programme where you will attend classroom-based training combined with practical on-the-job work experience to obtain a nationally recognised qualification in Retail Operations. During this time, you will be based in one of our TFG stores as a Sales Associate and be exposed to the on-the-go world of retail and fast fashion.

In addition to a qualification combined with relevant work experience, you’ll also gain business, personal and technical retail skills you can use across the business and throughout your career journey.

Sales Associate Learners will be required to: Attend all classroom-based learning activities Meet all the requirements for the successful completion of the Retail Operations certificate Be an active and contributing member of the store team, which includes customer service, sales, product management, and professional service To apply for this opportunity, you need the following: Matric with English and Maths/Maths Literacy Be unemployed Be between the ages of 18 and 29 Be a South African Citizen Should not be a registered student at a tertiary institution.

Should not be registered on another SETA learnership.

Commitment to spending 12 months on the Learnership programme with TFG Ability to work flexible hours including shifts / weekends A positive attitude and a passion for retail A passion for customer-service A strong work ethic If you are interested in this learning opportunity apply now!

Please attach a copy of your ID and Matric Certificate when sending your application.

Interested candidates meeting our minimum requirements will be invited to attend one of TFG’s Recruitment events to determine suitability for the role. Please note that your application will serve as a pipeline for Sales Associate Learnership vacancies.

How To Apply

https://careers.peopleclick.eu.com/careerscp/client_thefoschinigroup/external/jobDetails/jobDetail.html?jobPostId=20545&localeCode=en-us

SEP/OCT 2021

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SEP/OCT 2021

Digital Covid-19 vaccine certificates launch in South Africa.

The implementation of digital Covid-19 vaccine certificates has been launched by the National Department of Health today, 5 October.

Those that are are vaccinated can get their certificates by going to the South African Covid-19 Vaccine Certificate System Portal and choosing ‘Get my vaccine certificate’. Thereafter, one has to choose an identity type and then fill out other details such as ID number, vaccination code, and full name.

A Proof of Vaccination code needs to be provided and not the vaccine code that was sent to you when booking with EVDS. People that received the Pfizer vaccine will need two Proof of Vaccination codes.

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SEP/OCT 2021

SA insurance industry shows its resilience.

The performance of the smaller life insurers saw an overall average growth of around 8%, leading to a slight shift in the share of premium.

Despite this, the top five still generate over 87% of the total premium written by the market.

The South African insurance industry can place less reliance on past data to predict future outcomes and must spotlight on 1 in 200-year events going forward. This is a key theme that emerged overall from the results of the KPMG South Africa annual South African Insurance Industry Survey for 2021.

While the survey indicates that the South African insurance industry has been invaluable to the economy - serving as a shock absorber and allowing many businesses to recover - it also shows that with the fast pace of change in the inter-connected world today, it can place less reliance on past data to predict future outcomes.

“It is time to put a spotlight on the events that we call 1 in 200-year events with a vision of what the future might look like and how this might differ from our limited understanding of historic events,” states Mark Danckwerts, partner: KPMG Africa insurance practice leader.

A resilient industry Despite this Danckwerts says they are very pleased at the results of this year’s survey which indicate that while the insurance sector was hit hard, it was resilient and adaptable.

“The contribution of the insurance industry to the stability and financial soundness of the South African economy demonstrates the capital strength, resilience, and ability of the industry to adapt, innovate and show up when it matters,” he says.

Covid-19 knock-on effect “The knock-on effect and interconnectedness of risks emanating from Covid-19 were astonishing and these impacts as well as their velocity of onset, needs to be considered to obtain a comprehensive understanding of potential implications moving forward,” says Danckwerts.

“Our research shows that all insurers had included Covid-19 in their forecasting by either including stresses or shocks on specific assumptions or updating the budget forecast for the expected impact of the pandemic and applied further considered scenario projections to these updated budget numbers.

“However, moving forward we believe much introspection and re-evaluation by insurers would need to be given to their risk appetites and capacity,” he adds.

The life insurance segment An analysis of 21 of the major life insurance licenses in South Africa, covering 88% of the market by total assets, indicated that the top five life insurers grew their asset base by 3.5% with the smaller remaining entities outgrowing their larger counterparts with a 9.3% growth in assets.

Similarly, net premiums reflecting risk and FIDP business for these entities grew by a meagre 2.2%.

The life sector witnessed poor premium growth, mediocre investment performance and significant claims and as a result, the industry has moved from a total industry profit of close to R22.1bn in the 2019 period to a loss of R2.6bn in 2020.

The impact was felt not only on provisions, but also on expenses, as businesses moved to remote working, supply chains were disrupted, and premium collections slowed.

“Despite these losses, dividends for the surveyed entities increased from R16.1bn to R18.5bn, with the life insurance industry remaining well capitalised,” continues Danckwerts.

“Moving forward though, there are concerns that once the vaccination rollout has achieved scale, policyholders may decide that life cover is now less of a priority than other basic needs.

“This, coupled with the fact that the next few months hold some challenging moral decisions for life insurers as they debate vaccine mandates for employees, vaccine premium adjustments for policyholders and questions of repricing policies to recoup some of the losses incurred over the recent period, means that there are some tough business decisions that lie ahead,” says Danckwerts.

Non-life insurance While the non-life sector experienced lower gross written premiums (GWP) growth when compared to the average of prior years, increases in reinsurance costs, low interest rates, volatile financial markets and significant business interruption claims, some lines of business loss ratios actually improved under the Covid-19 lockdown.

The non-life insurance industry reported GWP of R128bn in 2020, an increase of 5%.

“This indicates that the impact of the pandemic had not been as severe on the industry as expected,” states Danckwerts.

The sector delivered a profit after tax (PAT) figure of R6bn in 2020, representing a 28% decrease from the prior year.

This is largely attributed to numerous challenges the sector experienced including defaults on credit, an increase in net claims of R1.9bn and a claims ratio of 59.5%.

“While there was a decrease in weather-related catastrophes, a reduction in the motor claims ratio was also observed because of lower usage of motor vehicles, working from home, and alcohol bans and curfews.

“However, we saw a much larger increase in business interruption claims, trade and consumer credit insurance was impacted severely and directors’ and officers’ liability insurance claims increased in frequency and severity,” says Danckwerts.

Furthermore, total investment income was down 31.9% due to the interest rate environment and fair value losses, with gross insurance liabilities increasing by 27.2%.

In 2020, the market share of the 10 largest insurers

by GWP amounted to 73.8%.

The survey includes 40 non-life insurers, 21 life insurers and seven reinsurers.

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Fashion Cars

SEP/OCT 2021

Something for everyone and cloth seat trim. Safety first, always

Cribs

Looking good The Sonet showcases a range of styling attributes that sets it apart from its competitors, including a fresh interpretation of Kia’s signature ‘tiger-nose grille’, with a stylish front skid plate underneath. Its sporty silhouette is enhanced by the unique design and structure of its C-pillars, matched with a wrap-around rear windscreen.

The profile, meanwhile, has a strong, sporty character thanks to the shape of the bonnet and bumpers, with the strongly raked A-pillars and rounded roofline imparting greater road presence.

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“The popularity of the Kia Sonet has been overwhelming, and we’re delighted that so many customers are choosing Kia’s newest model to begin their SUV life,” comments Stephen Crosse, sales and marketing director of Kia South Africa.

“There is nothing ‘entry-level’ about the Sonet LX derivatives when it comes to comfort, convenience and features, and we’re confident that the LX’s value proposition will further bolster the Sonet’s popularity.”

The luxury of choice Don’t let the entry-level positioning fool you, though. The Sonet LX models do not compromise on quality or essential comfort and safety features and, like its EX sibling, are offered with Kia’s advanced, punchy and frugal 1.5 MPI naturally aspirated petrol engine delivering 85kW at 6,300r/min and 144Nm of torque at 4,500r/min.

Customers have a choice between a six-speed manual gearbox or a continuously variable transmission (CVT).

Loaded with lots of features Are you ready for this? Let’s go! First, there is an 8,0-inch HD touchscreen infotainment with wireless Apple CarPlay and Android Auto. Add to that remote central locking, air-conditioning, Bluetooth, front and rear electric windows, electric mirrors and a rear-view camera. Love your music? There are six speakers to pump up the jam! Also, there is an automatic headlamp WWW.STAROOTMEDIA.CO.ZA activation and a combination of artificial leather

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Safety bells and whistles Customer safety is an utmost priority for Kia globally, starting with the structural integrity of the passenger cell. More than two-thirds of the Sonet’s body is made up of high-strength and advanced high-strength steel, creating a lightweight yet robust structure. Complementing this strong structure are several key safety features, including Electronic Stability Control (ESC), ABS with EBD, Hill-start Assist Control (HAC), Dual front airbags, Isofix child-seat anchoring points.

Colour me bad!

The Sonet is offered in seven one-tone exterior colours: Glacier White, Steel Silver, Gravity Grey, Aurora Black, Beige Gold, Intense Red and Intelligency Blue. Customers keen to express themselves a bit more may opt for one of four two-tone exterior colour options: Glacier White or Intense Red with a black roof, or Gravity Grey or Intelligency Blue with a white roof.

Aptly summed up “With its sporty, eye-catching design language, fun-to-drive dynamics and the high-quality features Kia is renowned for, the all-new Sonet puts an exclamation point on our ambition to make Kia the brand of choice for trendy urbanites,” comments Gary Scott, CEO, Kia South Africa.

“The Sonet fulfils an important role in Kia’s local line-up, and is well-positioned to attract a large number of customers who value design, comfort and quality.”

All Sonet models ship as standard with Kia’s industry-leading Unlimited Kilometre, five-year warranty (inclusive of roadside assistance), as well as a prepaid four-year/60,000km service plan. https://www.bizcommunity.com/Article/196/657/221052.html

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The New Apartheid by TO ADVERTISE Sizwe Mpofu-Walsh.

This has been a hard book to write. I have been constantly haunted by the feeling of rediscovering, and then inspecting and dissecting, some long suppressed horror. The evil of apartheid lies not in the number of people killed – though it did kill many. Rather, its evil lies in the number of people it tyrranised… The grimmest feature of this monstrous system is its capacity for self-reinvention… And, since 1994, apartheid has changed form. It is now dictated by markets rather than minds.

Like a virus, it is neither dead not alive, but survives through the people it afflicts.

S

outh Africa’s story is often presented as a triumph of new over old, but while formal apartheid was abolished decades ago, stark and distressing similarities persist.

Dr Sizwe Mpofu-Walsh explores the edifice of systemic racial oppression — the new apartheid — that continues to thrive, despite or even because of our democratic system.

The New Apartheid by Sizwe Mpofu-Walsh

South Africa’s story is often presented as a triumph of new over old, but while formal apartheid was abolished decades ago, stark and distressing similarities persist. Dr Sizwe Mpofu-Walsh explores the edifice of systemic racial oppression — the new apartheid — that continues to thrive, despite or even because of our democratic system. https://booklounge.co.za/product/thenew-apartheid-by-sizwe-mpofu-walsh/

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