Debates of 21 Mar 2019

MR SPEAKER
PRAYERS 10:12 a.m.

Mr Speaker 10:12 a.m.
Hon Members, I am compelled to recollect the collective decision of this Honourable House that, Plenary takes precedence over every matter whatsoever. And we know that in the morning like this, in a way, we have an appointment with the good people of Ghana, particularly, the young ones who come to listen to their Parliament.
I will pray that we take this obligation seriously. If we take our nation seriously, we would take this obligation seriously. It is by the combined effort of all of us doing our bit that there can be progress and development in this country. This is a very important imperative.
Hon Members, please tell your Hon Colleagues that we need to do our duty at the Plenary before anything else.
Hon Members, please take note.
VOTES AND PROCEEDINGS AND THE OFFICIAL REPORT 10:12 a.m.

Mr Speaker 10:12 a.m.
Hon Members, correction of Votes and Proceedings of Wednesday, 20th March, 2019.
Page 1…15 --
Mr Suhuyini A. Sayibu -- rose
-- 10:12 a.m.

Mr Sayibu 10:12 a.m.
Thank you very much, Mr Speaker.
Mr Speaker, on page 8, I have been captured as absent. In the last couple of days, I have been at the Appointments Committee Meetings, together with Hon Colleagues vetting the nominees of the President. So I would like that to reflect.
Mr Speaker 10:12 a.m.
Thank you very much, Hon Member.
Page 14…17 --
Mr Speaker 10:12 a.m.
Yes, Hon Minority Leader?
Mr Haruna Iddrisu 10:12 a.m.
Thank you, Mr Speaker.
Mr Speaker, on page 17, just to be double sure. The name Hon John Bennam, we should relate the name we have to the one on the President's appointment letter and the one on his curriculum vitae. It should be crosschecked with the formal correspondence from the Office of the President. The names refer to the same person, but I think that there is a third name relative to one of it.
Thank you, Mr Speaker.
Mr Speaker 10:12 a.m.
Very well.
Hon Members, page 17…20?
Hon Members, the Votes and Proceedings of Wednesday, 20th March, 2019, as corrected is hereby adopted as the true record of proceedings.

Hon Members, item listed 3 on the Order Paper; Urgent Question addressed to the Hon Minister for Health. Is he not available?

Yes, Hon Majority Chief Whip?
Mr Kwasi Ameyaw-Cheremeh 10:12 a.m.
Thank you, Mr Speaker.
Mr Speaker, we have tried to contact the Hon Minister for Health this morning, but we have not been able to reach him. So, we are not too sure if he is on his way here.
Mr Speaker 10:12 a.m.
Is the Hon Minister likely to come?
rose
Mr Speaker 10:12 a.m.
Yes, Hon Member?
Mr Iddrisu 10:22 a.m.
Mr Speaker, I can appreciate the dilemma of the Hon Majority Chief Whip.

The Hon Minister for Health is not available, and just as you have advised Hon Members of Parliament to take Plenary seriously, Hon

Ministers should also take their response to your call to Parliament in the exercise of oversight in the name of Parliamentary Questions more seriously, particularly so when you have an Hon Minister assisted by Hon Deputy Ministers, so that when the Hon Minister is not available, we would have an Hon Deputy Minister stand in his stead, than to have this zero vacuum, where we have no Hon Minister and no Hon Deputy Minister.

Mr Speaker, the Hon Ameyaw- Cheremeh, because of his affability, the sins are not his. Therefore, perhaps, we would have to get Mr Speaker's directive on this matter.
Mr Speaker 10:22 a.m.
Is there a listed Answer at all?
Mr Ameyaw-Cheremeh 10:22 a.m.
No, Mr Speaker, it is an Urgent Question, so there is no published Answer. So even if an Hon Deputy Minister were to be around, he would have been able to Answer to it. The Hon Minister is supposed to come with the Answer in his bosom.
Mr Speaker 10:22 a.m.
Hon Leader, what is the reason for that?
rose
Mr Speaker 10:22 a.m.
Yes, Hon Minority Whip?
Mr Ahmed Ibrahim 10:22 a.m.
Thank you, Mr Speaker.
Mr Speaker, I am rightly with you when you ask for a reason. It is an Urgent Question, and it has been in
Mr Speaker 10:22 a.m.
Hon Majority Chief Whip, what is wrong? I expected that at least, in a normal circumstance, once the Question is listed, an Urgent one for that matter, there would be an Answer. So, what would you say is happening?
Mr Ameyaw-Cheremeh 10:22 a.m.
Mr Speaker, I have just been informed by the Hon Chairman of the Health Committee that he had a discussion with the Hon Minister about two days ago. I believe his thinking is that he is supposed to be in the House to answer the Question tomorrow.
Maybe, there was that mis- communication, but I know that the Table Office normally writes to the Ministries, and for that matter the Hon Ministers, to alert them about Questions that stand in their names in the pending week.
Mr Speaker, so I am not too sure, we are still trying to get in touch with him, and if in the course of the day, we are able to link up with him and he is available and has the Answer, then you may permit him to answer the
Question in the course of today, but if it is not possible that way, then we would plead with you for us to defer the Question to maybe tomorrow to enable the Hon Minister to come and answer.
Thank you, Mr Speaker.
Mr Ahmed Ibrahim 10:22 a.m.
Mr Speaker, we have no challenge with that, except to say that the Table Office has no audience here. However, once the Question appears on a Business Statement, every Ministry that is supposed to come the following week knows that they have Business to execute on the Floor. So to say that it is miscommunication and those things -- it is a fact, let us --
Mr Speaker 10:22 a.m.
Hon Members, let us handle these matters cautiously, at least, with the Business and dignity of this House also in mind. The thing can be done well, and why not? Or do we have to sink into something else, the name of which I do not even want to mention?
Hon Members, in fact, I believe that we can even advise one another and tell a brother or a sister what they did not do well with respect to a particular case. Is it not possible? So, in these matters, we should let the House be a House.
Yes, Hon Minority Whip?
Mr Ahmed Ibrahim 10:22 a.m.
Thank you, Mr Speaker.
Mr Speaker, I was just making the point that apart from the official communication to the Ministries when
Questions are admitted by your good office, when the Business Committee meets and programmes Hon Ministers to appear the following week, the discussion of the Business Committee on the Floor and the adoption of the Report of the Business Committee states clearly the Hon Ministers who are to appear, even before the following year, and before the week ends.
Mr Speaker, therefore, we cannot shift the responsibility of mis- communication to the Table Office, while we know that they do not have audience here, but we should go by your direction, so that if the Hon Minister would be available tomorrow to answer the Questions, we would ask the Hon Member in whose name the Question stands to be available tomorrow, and ask his Question for the Hon Minister's response to be given.
Mr Speaker, however, going forward, we must take everything that has been said this morning in this Chamber very seriously for the public to take us very seriously and be committed as you said this morning.
Thank you very much, for the opportunity, Mr Speaker.
Mr Speaker 10:22 a.m.
Thank you very much, Hon Member.
Is any of the Hon Deputy Ministers in the House?
Hon Majority Chief Whip, do we have one of the Hon Deputy Ministers in the House at all? I would want us
to convey a message through them. In any case, Hon Majority Chief Whip, we are taking you by your word. We are putting this down for tomorrow.
Mind you, it is an Urgent Question, and we must stand by our own rules, so that at least, our job would be well and truly done. You all know what our rules require. So if anyone is not going by the rule, I hope you would all help to throw the book at him or her, so that the right thing would be done.
So please, we should convey this to them, and let it remain there. That means that, tomorrow, the Answer must have been published. Is that clear, Hon Majority Chief Whip?
Mr Ameyaw-Cheremeh 10:22 a.m.
Well noted Mr Speaker. We shall comply.
Mr Speaker 10:22 a.m.
Thank you very much.
Hon Members, the Urgent Question is postponed till tomorrow. In fact, it is the only Question for today, that would end Question time. We would now move on to Statements time.
Hon Members, we would take the item listed 4 -- Statements on World Down Syndrome Day.
Yes, Hon Dr Twum-Nuamah, Chairman of the Health Committee, your Statement?
STATEMENTS 10:32 a.m.

Dr Kwabena Twum-Nuamah (NPP -- Berekum East) 10:32 a.m.
Thank you very much Mr Speaker, for the opportunity to make a statement on the Floor.
Mr Speaker, 21st March every year is internationally recognised as World Down Syndrome Day and it is spearheaded by Down Syndrome International. The theme for this year is -- “Leave No One Behind”.
On World Down Syndrome Day, people with the condition and those who live or work with those people throughout the world organise and participate in activities and events to raise public awareness and create a single global voice for advocating for the rights, inclusion and well-being of people with Down Syndrome.
Mr Speaker, just like any normal person, people with Down Syndrome have two copies of each of their 23 chromosomes but they have a third copy of chromosome 21, a genetic condition known as trisomy 21, hence the celebration on the 21st day of the third month of the year, that is March. Another type of Down Syndrome is Mosaicism and it happens when some cells in the body are normal while others have Trisomy 21 characteristics.
Translocation is also a type of Down Syndrome and it happens when part of chromosome 21 breaks
Dr Kwabena Twum-Nuamah (NPP -- Berekum East) 10:32 a.m.
Mr Speaker, Down Syndrome is a naturally occurring chromosomal arrangement which is as a result of error in cell division called non-disjunction. It has always been a part of the human condition, being universally present across racial, gender and socio-economic lines. “Down-Syndrome” is a congenital disorder arising from a chromosome defect, causing intellectual impairment and physical abnormalities such as short stature (short neck, short arms and legs).
The abnormalities also include low muscle tone, loose joint, as well as broad facial profile including a flat face, small ears, slanting eyes, small mouth and protruding tongues. In addition, about 40 per cent of those born with the disorder have cardiac related complications.
Mr Speaker, Down Syndrome was named after a British Physician, John Langdon Down, who first made the attempt in the 18th Century to find a name for the disorder. He described the abnormality as mongolism, though he could not ascertain the cause of it. A research carried out later in France in the 19th Century then attributed the cause to genetic error. The research disclosed that the disorder had nothing to do with the environment.
Mr Speaker, according to the United Nations (UN), Down Syndrome affects about 1 in 800 births worldwide, causing intellectual
disability and associated medical issues. About 95 per cent of Down Syndrome cases around the world are those of the Trisomy 21 condition.
In 1990, the French Association for Research on Trisomy 21 (AFRT) was created to support research and provide information on medical and scientific advances in the field of Down Syndrome (Trisomy 21). Then in 2005, AFRT decided to select the 21st day of March as a symbolic date for Trisomy 21.
Organisations such as Down Syndrome International have been organising various activities for World Down Syndrome Day since 2006. On 20th December, 2007, the World Health Organisation (WHO) also recognised March 21st as World Down Syndrome Day and that was endorsed by the UN General Assembly in 2011.
On 21st March every year, all UN Member States, relevant organisations of UN and other international organisations such as the Down Syndrome International as well as civil society organisations and the private sector are called upon to observe “World Down Syndrome Day” in order to raise public awareness and understanding of the condition.
The Day is also observed to showcase the abilities and accomplishments of people with the defect and advocate for their rights and freedoms. Persons with Down Syndrome are entitled to equal rights and fundamental freedoms and as such
they must be afforded the opportunity to participate fully in all spheres of life provided they have the capacity to do so.
Mr Speaker we need to educate people on how to handle children with the disorder and also help them devise more effective teaching approaches and therapies to manage Down Syndrome.
Government should consider establishing Child Development Centres in every region and possibly every district with Allied Health Specialists such as Speech Therapist, Occupational Therapist and Physiotherapist as pertains in other jurisdictions.
The Specialists at the Centre can work together as a team in the provision of certain support services to children with such abnormalities and also organise programmes and workshops to educate parents who have children with Down Syndrome and other related disorders.
Test or assessments and evaluations undertaken on children with the disorders and the remedial measures and strategies undertaken to manage them can also be documented at such centres for purposes of reference.
Mr Speaker, the issue of managing people with Down Syndrome should not only be the responsibility of parents, guardians or the Government. As we observe the Day, corporate entities, civil society organisations, religious bodies as well as colleague Members of Parliament are all being

called upon to join in the advocacy and also provide support for the establishment of Child Development Centres so that those with Down Syndrome can be made useful to society.
Mr Joseph Y. Chireh (NDC -- Wa West) 10:32 a.m.
Thank you very much, Mr Speaker, and let me commend the Hon Member who made the Statement for bringing this up. It is one of the things that we should do regularly to raise awareness about some of the conditions that our people tend to associate with witchcraft, wizardry and whatever.
Mr Speaker, this is a condition that is genetic. It is not the fault of the one who has it and he certainly is not a bad spirit that has come into the world. He needs to be given treatment and handled perfectly like any other person. Fortunately in this country, we have facilities that train children with disabilities.
Mr Speaker, but what is important is for us to urge the professionals in the health facilities to begin to document and give us the records. We only use the records of the UN for the whole world, but how many people in Ghana have Down Syndrome and what are the challenges that clinicians have faced in treating them and who are the parents who have this difficulty?
Dr Nana A. Afriye (NPP -- Effiduase/Asokore) 10:42 a.m.
Mr Speaker, I rise to contribute to the Statement of the day.
Mr Speaker, 21st March is a unique day in the sense that the mutation that occurs and results into Down Syndrome always happen on chromosome number 21 and that is why 21st March was chosen for the recognition of the disease internationally.
Mr Speaker, there is the need to recognise that persons with Down Syndrome can be helped and integrated into society regularly provided therapists are available at the early stages,.

For the GHS, and for that matter the Ministry of Health, a policy in that direction that recruits and trains more specialists in the area of speech and developmental therapies would be the first step to giving confidence and commitment politically. With policy, we could make available an environment that welcomes persons with down syndrome.

Mr Speaker, there are some persons with down syndrome who are exceptional in society and a few can be mentioned who have achievements and laurels most of us do not have. There are persons like Sujeet Desai, who received the United Nations (UN) Achievement Award, who can play seven musical instruments and is celebrated worldwide.

There is also the young lady, Karen Gaffney, who is a motivational
Mr Speaker 10:42 a.m.
Thank you very much Hon Member for this good contribution. Yes, Leadership?
Mr Ras Mubarak (NDC -- Kumbungu) 10:42 a.m.
Mr Speaker, I would like to begin by commending the Hon Member who made the Statement. It is a very exciting Statement and one of those Statements we should encourage as a Parliament that seeks to promote an equal society.
We live in a country where we pretend to be inclusive, but we have seen instances where children with disabilities such as down syndrome
Mr Ras Mubarak (NDC -- Kumbungu) 10:42 a.m.


have been discriminated against. I think that one of the things that we could do is to go on a public campaign to educate the public that persons with down syndrome must not be discriminated against.

Mr Speaker, it is a condition that certainly cannot be cured but can be treated and I think that treatment in other areas have helped persons suffering from down syndrome. As a society, we need to recognise and celebrate persons with Down Syndrome. One of the things we could do as a society would be to give them opportunities.

Recently in the news, we read about a young man in the United States of America, who has down syndrome and had worked with McDonald's for 27 years. In our society, there is so much discrimination that people do not want to be associated with children and persons with down syndrome. One of the steps we could take as a way of exhibiting inclusiveness would be to give them opportunities.

Mr Speaker, recently, I was at the residence of the British High Commissioner to celebrate Commonwealth day and one of the groups that performed there was a group of young children from New Horizon School, which is a special needs school.

These children have down syndrome but the fact that they received some assistance to perform is something that is encouraging. So we could encourage Ministries,

Departments and Agencies that when they have programmes and there is the need to undertake certain services, they could look at institutions that seek to help persons with down syndrome and draw some of these young children from these institutions to perform.

On inclusiveness, I think that public education is very important. At the district and national levels, we need to do our best to make sure that the word goes out. We have seen instances where mothers have thrown away babies, simply because they have one form of defect or another.

As a society of Muslims, Christians and traditional believers, we cannot encourage these things. If it would take legislation to punish persons who discriminate against people with Down Syndrome and others, we need to do that.

Mr Speaker, finally, I also think that we have to put up public centres where at the district or regional level, children suffering from Down Syndrome can access some form of help such as speech therapy as indicated in the Statement, among others, so that this would boost the confidence of those suffering from down syndrome.

With these few words, I thank you for the opportunity and I highly commend the Hon Member who made the Statement for such an important Statement.
Mr Speaker 10:42 a.m.
Thank you very much Hon Member for this wonderful contribution. Yes, Majority?
Mr Moses Anim (NPP -- Trobu) 10:52 a.m.
Thank you Mr Speaker for the opportunity to comment on the Statement.
I am so excited about the theme for the year which is “Leave no one behind”. The awareness being created, the Statement and comments made are virtually to create awareness that children with Down Syndrome should not be confined and discarded but they should be regarded and accepted into society.
Also, whatever can be done should be done to make them productive and I believe strongly that we can. Elsewhere, centres are created and teachers are given special training to take care of the education and welfare of such children and I think that we could do same.
Mr Speaker, if my memory serves me right, last year, one of such children who was in confinement was adopted by the current Hon Minister for Gender, Children and Social Protection and she is doing well. Apparently, the other one who was buried alive could not be saved. For me, it is all about creating the awareness and educating our people to know that such children cannot be discarded but used for the purpose for which God created them.
Mr Moses Anim (NPP -- Trobu) 10:52 a.m.


Mr Speaker, Act 778 has a section called “inclusive education'', which is basically meant for the physically challenged and the slow learner as well. What it means is that we should not exclude physically challenged persons from the society. The inclusive education is to create a medium for the physically-challenged to learn with the one who is not physically challenged so that the segregation or what we do to affect them would be minimised.

If we are able to implement that aspect of Act 778, where the physically challenged would have the opportunity to learn with children who are not physically challenged, that inclusiveness and acceptance would become the norm.

After they are segregated and confirmed in the rehabilitation centres, they come to live in the society and n then virtually, others look at them as very abnormal, but if they learn with the physically challenged, who can also challenge them in terms of the learning ability and learning outcocmes, they would be accepted.

I think we should therefore go back to Act 778 and implement the inclusive education policy and make sure that within every municipality and district, there are certain schools that are built with specialised teachers who would train those children within the framework of our education sector. This would go a long way to ensure that we care about such children.

We have seen some of them who are so brilliant. This is a critical case, but elsewhere, they are able to train them so that they become useful in the society. They also have their area of strength that if we really study well, we could tune them to a point where they may not perform like others, but at least, they would have exclusive area that would be so unique to them that they could be put into that line to become productive in the society.

It is a welcoming Statement and we must generate the system to create the awareness. There should be continuous awareness creation so that our cultural and traditional setting that seem to discard such children would be done away with.

Mr Speaker, I am so grateful for the opportunity to comment on the Statement and I also commend the Hon Member who made it.
Mr Speaker 10:52 a.m.
Thank you very much Hon Members for this important discussion. In view of the very useful comments made, I direct that this Statement should be referred to the Committee on Health for further deliberations with Report and recommendations for the attention of this House.
That ends Statements time.
Hon Members, at the Commence- ment of Public Business, item listed 5 -- Presentation of Papers.
Item numbered 5(a), Hon Minister for Finance?
Ms Safo 10:52 a.m.
Mr Speaker, item numbered 5(a) is a Paper to be laid by the Hon Minister for Finance, but respectfully, I would want to ask permission for the Hon Minister for Defence to lay it for and on behlf of the Hon Minister for Finance who is not available at the moment.
Mr Speaker 10:52 a.m.
Hon Deputy Majority Leader, is the document available at all?
Ms Safo 10:52 a.m.
Rightly so, Mr Speaker, it is available.
Mr Speaker 10:52 a.m.
I can see the Hon Minister for Health in the House; can he lay the Paper on behalf of the Hon Minister for Finance, and then it would be distributed, so we would make progress?
Ms Safo 10:52 a.m.
Mr Speaker, indeed, the Hon Minister for Health is in the House, but respectfully, if we could lay the said Papers whiles he settles with his Answer to the Urgent Question. By the time these Papers are laid, I am sure he would be up and ready to answer the Urgent Question which stands in his name.
Mr Speaker 10:52 a.m.
Hon Deputy Majority Leader, I am respectfully talking about item numbered 5(a). An Hon Minister could present for another Hon Minister and I am saying if we can do that.
Ms Safo 10:52 a.m.
Mr Speaker, rightly so, and I ask permission for the Hon Minister for Defence to do so.
Mr Speaker 10:52 a.m.
Hon Minister for Defence, if you are so inclined, you may do so.
PAPERS 10:52 a.m.

Ms Safo 10:52 a.m.
Mr Speaker, with item numbered 5(b), the referral you just made to the Committees on Defence and the Interior, respectfully, it is also a Commercial Agreement, so I would want to humbly plead that the leadership of the Finance Committee should join the Committees on Defence and the Interior.
Alhaji Muntaka 10:52 a.m.
Mr Speaker, I do not have any objection to what the Hon Deputy Majority said, but in that sense, then item numbered 5(a) which was referred to the Committee on Finance should equally have the leadership of the Committee on Defence and the Interior to sit in.
Mr Speaker 10:52 a.m.
So, I would make the omnibus referral. The leadership of the Committees on Defence and the Interior should be part of item numbered 5(a) and the leadership of the Committee on Finance should also be part of the referral which relates to item numbered 5(b)
Item numbered 5 (c) -- Hon Chairman of the Committee?
Alhaji Muntaka 11:02 a.m.
Mr Speaker, on item numbered 5(c), the Hon Chairman of the Subsidiary Legislation
Committee is not available currently but the Hon Vice Chairman of the Committee is here. I would crave your indulgence and the indulgence of Hon Colleagues so he would lay the Paper on behalf of the Chairperson.
Mr Speaker 11:02 a.m.
Yes, Hon Vice Chairman?
By the Vice Chairman of the Committee (on behalf of the Chairman) --
Report of the Committee on Subsidiary Legislation on the Office of the Administrator of Stool Land Regulations, 2019
(L. I. 2377)
Mr Speaker 11:02 a.m.
Item listed 6 -- Presentation and First Reading of Bills.
Hon Minister for the Interior?
BILLS -- FIRST READING 11:02 a.m.

Mr Speaker 11:02 a.m.
I presume we are not ready for item numbered 7 on the Order Paper.
Ms Safo 11:02 a.m.
Mr Speaker, we are not ready for items numbered 7 and 8 but we are ready for item numbered 9.
Mr Speaker 11:02 a.m.
Hon Members, item numbered 7 should please be removed from the Order Paper until there is readiness.
rose
Mr Speaker 11:02 a.m.
Yes, Hon Member?
Mr Ahmed Ibrahim 11:02 a.m.
Mr Speaker, I am not going to challenge that directive but just to bring this to the attention of the House.
I was monitoring the media this morning; Nigeria has given indication that they are not going to pass the Right to Information Bill. The points some people are raising is that because Nigeria said that, they know Ghana is also going to decide on that.
Mr Speaker, so you have good intentions of saying that because it comes on the Order Paper and we are not ready to take it, the Table Office should remove it for the two Leaders to take the definite decision with the Non-Governmental Organisation (NGO) that is trying to bring the second amendment before we take it. I know that is your intention.
The public should not take it that the Rt Hon Speaker has directed that they should take the Right to Information Bill from the Order Paper as I know that is not your intention.
Mr Speaker, that notwithstanding, the Hon Leader has no much difficulty to deal with. He said we were
supposed to do it yesterday but it was because he could not come early and for that reason we could not do it. So, as you have directed that it should be taken off the Order Paper, I think it would be appropriate for you to add that the Leadership must expedite action on it.
Mr Speaker, if we are not able to take it today, then by tomorrow, Friday, we must, at least, see an end to it because you have done your best and you are passionate about this Bill. Left for you alone, we should have passed it by now. There is no work that this Parliament has to do with the Bill now; it is those outside who are pushing that they do not want it passed in the form that we have it.
So to be fair to the Executive, they have done their part; this Parliament has also done our part but it is left with the Coalition to the Right to Information to do its part. They are saying that they do not want it to be passed the way we have done it and therefore they are bringing other amendments. So the public should take note that it is not Ghana's Parliament that is trying not to pass the Right to Information Bill but it is the public that is bringing new amendments on the work that we have done so far. For this House, we have done what is needed of us.
Mr Speaker, I thank you.
Mr Speaker 11:02 a.m.
Hon Member, I thank you very much.
Indeed, it is very important for the image of this Honourable House that this should be known because of the
Mr Speaker 11:02 a.m.


various comments that often arise on this Bill. The Parliament of Ghana has done and would continue to do its bit, but we are also entitled and duty- bound to listen to other viewpoints on this matter. I am only saying this guardedly, because we do not want that misconception out there on this matter.

I thank you very much.

Item numbered 8 on the Order Paper?
rose
Mr Speaker 11:02 a.m.
Yes, Hon Chairman?
Dr Assibey-Yeboah 11:02 a.m.
Mr Speaker, I rise on Order 130(1) which provides and with your permission, I beg to quote:
“If any Member desires to delete or amend a provision contained in a Bill which has passed through the Considera- tion Stage, or to introduce any new provision to it, he may, at any time before a Member rises to move the Third Reading of the Bill, move that the Bill do pass through a second Consideration Stage (either wholly or in respect only of some particular part or parts of the Bill or some proposed new clause or new schedule). No notice of such motion shall be required. If the motion is agreed to, the Bill shall immediately pass through a second Consideration Stage.”
Mr Speaker, I beg to move that the Payment Systems and Services Bill, 2018, be taken through a second Consideration Stage in respect of clauses 2, 4 and 100.
Mr Speaker 11:02 a.m.
Hon Members, that which is moved should be seconded. [Pause.]
Hon Member, do you stand alone?
rose
Mr Speaker 11:02 a.m.
Yes, Hon Minister?
Mr Kojo Oppong-Nkrumah 11:02 a.m.
Mr Speaker, I beg to second the Motion.
Alhaji Muntaka 11:02 a.m.
Mr Speaker, with the greatest of respect, considering the Standing Order that the Hon Member read, he is coming at the wrong time. It is when the Hon Minister for Finance who is the sponsor of the Bill is here and upstanding to move for the Third Reading of the Bill that he should arrest it. But that is not where we are; the Hon Minister for Finance is not here so he cannot move for the Bill to be taken through a second Consideration Stage.
Mr Speaker, let me read the Order 130 (1) again. It reads 11:02 a.m.
“If any Member desires to delete or amend a provision contained in a Bill which has passed through the Considera- tion Stage, or to introduce any new provision to it, he may, at any time before a Member rises
to move the Third Reading of the Bill, move that the Bill do pass through a second Consideration Stage…”
Mr Speaker, who was moving for the Third Reading? There was nobody moving for a Third Reading. It is only when somebody is going to move for a Third Reading that -- The reason I am saying that it has to be the Hon Minister for Finance is that, the sponsor of the Bill has reasons for all the clauses.
If for any reason -- and that is why most of the time when we are taking a Bill through Consideration Stage, we would want the Ministry or a representative from the Ministry sponsoring the Bill to be present. If anybody wants to make any further amendment, the sponsor needs to be in the Chamber because that amendment could be contrary to the Memorandum accompanying the Bill and they may be able to say that they believe this amendment would not be injurious to what we intend.
Mr Speaker, that is the reason it is stated that the person who sponsored the Bill should be standing and trying to move and then he arrests it, the person may consider if what he is going to do is going to be injurious.
Mr Speaker, so the Hon Chairman may want to take the Bill through a Second Consideration Stage but it has to be done properly. As we speak, nobody is standing to move for the Third Reading of the Bill.
Dr Assibey-Yeboah 11:12 a.m.
Mr Speaker, when the Hon Minority Chief Whip got up, he stated categorically that it is the Minister for Finance who has to move the Third Reading of the Bill and he read the Standing Order.
Where in the Standing Orders has it been said that the Minister for Finance shall take the Bill through a Third Reading? It says, “at any time before a Member…” I got up the moment you announced that we would consider item listed 8. This was the right time for me to take the Bill through a Second Consideration Stage.
Mr Speaker, when Bills come to the House, they become a property of the House. So, to suggest that the Bill cannot be taken through a Second Consideration unless the Hon Minister for Finance is here, then why does the Bill come to the House to start with?
Mr Speaker, the Motion before us is that the Bill should be taken through a Second Consideration Stage which has been seconded.
Alhaji Muntaka 11:12 a.m.
Mr Speaker, item numbered 8 on the Order Paper is in the name of the Minister for Finance. If my Hon Colleague asks where I got the “Hon Minister for Finance”, it is because the Business advertised states that he is the one who would do the Third Reading.
Mr Speaker, even if the Hon Minister for Finance is not around, the
Alhaji Muntaka 11:12 a.m.


leadership would rise to seek the leave of this House for some other person to do so on his behalf. That has not been done and that is why I said at the time he rose to seek to take us through a Second Consideration Stage, there was nobody here to move for the Third Reading. So, he is using the wrong Standing Order; with Order 130, there must be somebody to move.

The Hon Minister for Finance is not in the Chamber. Maybe, leadership would have to apply that Hon Nyindam or some other person does it on his behalf. We are not yet there and I am only drawing his attention that he is moving that Motion at the wrong time. He should wait for the appropriate time to move it.
Ms Safo 11:12 a.m.
Mr Speaker, the Standing Order 130(1) quoted by the Hon Chairman of the Committee on Finance is so clear; there is no ambiguity to it. It says, and I beg to quote:
“If any member desires to delete or amend a provision contained in a Bill which has passed through the Consideration Stage, or to introduce any new provision to it, he may, at any time before a Member rises to move the Third Reading of the Bill, move that the Bill do pass through a second Consideration Stage…”
Mr Speaker, when you mentioned item numbered 8 on the Order Paper,
the Hon Chairman of the Committee on Finance rose. It means, you are ready to take item numbered 8, so at any time before that Minister, in this case, the Hon Minister for Finance rises to move this Motion, any Member, which includes the Hon Chairman of the Committee on Finance, can rise and make this application.
Mr Speaker, it does not mean that the Hon Minister for Finance should rise before the Member rises to make that application. It tells us that at any time that a Member wants to do that, he or she could do it.
Once the Rt Hon Speaker calls the item numbered 8, it means he is ready for Third Reading of the Bill -- so, at any time before --
Mr Speaker 11:12 a.m.
Hon Deputy Majority Leader, we have got the point. I thank you very much.
Hon Members, this is a very clear matter. To whom does a right belong to ask for a Second Consideration Stage? In very clear terms under Order 130(1), it belongs to every Member in this Honourable House. The moment the item is called, it is the right and privilege of an Hon Member to rise and demand a Second Consideration Stage.
That right is independent of the Minister's presence or that of any person, body or authority. In fact, essentially, that Member is invoking the powers of the House at any time during Consideration Stage and for that matter, asking us to go back to
Consideration Stage. Then, again, Consideration would be ordered and that Business would begin.
When the Business begins, it is independent of the presence or otherwise of the Minister concerned with the Bill and we would then be able to go through the Third Reading subsequently or at an adjourned time.
Hon Members, that is the clear import of Standing Order 130(1). In fact, the Order requires timeous application which is provided for by, “at any time before a Member rises to move the Third Reading” then, a “Member who desires to delete or amend a provision” may do so. Therefore, this is very clear.
Dr Assibey-Yeboah 11:12 a.m.
Mr Speaker, I am grateful.
Mr Speaker 11:12 a.m.
Hon Chairman of the Committee, what Business did you propose?
Dr Assibey-Yeboah 11:12 a.m.
Mr Speaker, I would take the Motion again. I beg to move that the Payment Systems and Services Bill, 2018 be taken through a Second Consideration Stage in respect of clauses 2, 4 and 100.
Mr Oppong-Nkrumah 11:12 a.m.
Mr Speaker, I beg to second the Motion.
Mr Speaker 11:12 a.m.
Yes, Hon Yieleh Chireh?
Mr Chireh 11:12 a.m.
Mr Speaker, even though the Motion has been seconded, the importance of Standing Order 131, is that the Minister or the one proposing the Bill be the one who would rise to move for the Third Reading. I do not know whether the Hon Minister for Finance or any of his deputies is here.
Because any Second Consideration Stage could change a lot of things within the Bill which would even be opposite of what the proponents want in the Bill. So, they are the ones who should move for the Third Reading and then somebody rises to second it. It is not for the Hon Chairman of the Committee alone to move this but once you have made a decision --
Mr Speaker, I thought that it is important we do that.
Mr Speaker 11:12 a.m.
Hon Yieleh Chireh, I am very clear in my mind and that is why I started with the Question, “To whom does that right to demand a Second Consideration Stage belong?” It belongs to Hon Members of this Honourable House. Any Member could invoke that right which belongs to him or her, independent of the presence or otherwise of an Hon Minister; the House may then decide what to do after they have heard what the matter is at the Second Consideration Stage.
I am very emphatic that we do not need a Minister at that stage to do that.
Hon Majority Leader?
Mr Osei Kyei-Mensah-Bonsu 11:12 a.m.
Mr Speaker, it seems to me that there is some confusion about this. You have ruled and because of that the onus then lies with the Hon Member who wanted to move the motion to do so it and he has already moved it.
Mr Speaker, I think that for the avoidance of doubt, we need to make the distinction. In Standing Order 130(1), we are not at the place where the Hon Minister moves the Third Reading.
Mr Speaker 11:12 a.m.
No.
Mr Kyei-Mensah-Bonsu 11:12 a.m.
Mr Speaker, I have argued in extenso that once we finish with the Consideration Stage, the time then is for the Third Reading to be made. Before we get to the Third Reading, immediately after the Consideration Stage, any Hon Member, even before the advertisement for the Third Reading, can do that.
Mr Speaker, it is different from Standing Order 131(1) which provides and I beg to quote;
“A Bill having passed through the Consideration Stage, the Third Reading shall not be taken until at least twenty-four hours have elapsed (this period not including days on which the House does not sit).”
Then Standing Order 131(2) says that:
“Upon a motion “That the … Bill be now read the Third Time,” it shall be competent for any Member to move an amendment to delete the words “read the Third Time” and to insert the word “rejected,” or to move a “reasoned” amendment…”
Mr Speaker, at that stage, the Hon Minister or responsible authority would have moved a motion for the Third Reading and then at the Third Reading, that motion then would be arrested by the Hon Member.
There is a world of distinction between Standing Orders 131(1) and 130(1). That of 131(1) proposes an amendment and the Hon Member should read it.
So, I have always insisted that people are not reading the two together; the combined effect of Standing Orders 130(1) and 131(1) and (2) should suggest to anybody that for Standing Order 130(1), we are not at the juncture where the Hon Minister will move the Motion at all. Immediately after we close the Consideration Stage, any Hon Member, thereafter, can move Standing Order 131(1) and propose an amendment and that is where we are.
Mr Speaker 11:12 a.m.
Thank you very much. I love these discussions so that we have clarity in our minds. Also, our rulings and antecedents are clear. That right is the bona fide property, if we may so say, of any Hon Member of this
Honourable House who can, before the Hon Minister or whoever acts thereon, move and then we proceed.
Question put and Motion agreed to.
Hon Members, I would now put a Question on the Motion before the House.
Mr Speaker 11:12 a.m.
Hon Chairman, please, move on with whatever you want to say. It may be shot down by the vote of the House, do you get my point? Anything may happen but you have that right to proceed.
Dr Assibey-Yeboah 11:12 a.m.
Mr Speaker, having given me the right, I refer the House to clause 2.
BILLS -- SECOND 11:12 a.m.

CONSIDERATION STAGE 11:12 a.m.

Dr Assibey-Yeboah 11:12 a.m.
Mr Speaker, early on when we considered clause 2, the House deleted it from the Bill. After consultations with sponsors of the Bill, they want it reinstated.
Mr Speaker 11:12 a.m.
Clause?
Dr Assibey-Yeboah 11:12 a.m.
Mr Speaker, clause 2. At the Considera- tion Stage, clause 2 was deleted from
the Bill and we want it reinstated. Clause 2(1) says --
Mr Speaker 11:12 a.m.
Hon Chairman, move slowly. Please proceed.
Dr Assibey-Yeboah 11:12 a.m.
Mr Speaker, clause 2 says; “the Bill shall be read together with relevant enactments”. The Committee felt that the list was not exhaustive and there was no need to list the relevant enactments.
Now, after consulting the sponsors of the Bill, they want clause 2 reinstated for the avoidance of doubt. So, first of all, if we could reinstate clause 2 in its proper place in the Bill.
Mr Speaker 11:12 a.m.
Please, read it in its entirety.
Dr Assibey-Yeboah 11:12 a.m.
Mr Speaker, clause 2 -- Application of relevant enactments.
2( “This Act shall be read together with
(a) the Bills of Exchange Act, 1962 (Act 55),
(b) the Companies Act, 1963 (Act 179),
(c) the Bank of Ghana Act, 2002 (Act 612),
(d) the Electronic Transactions Act, 2008 (Act 772), and
(e) the Banks and Specialised Deposit-Taking Institutions Act, 2016 (Act 930).
Mr Speaker 11:12 a.m.
Hon Member, Data
--?
Dr Assibey-Yeboah 11:12 a.m.
Mr Speaker, Data Protection Act, 2012 (Act 843).
Mr Speaker 11:12 a.m.
Thank you very much. Hon Chairman, what is the essence of this demand?
Dr Assibey-Yeboah 11:12 a.m.
Mr Speaker, early on, the Hon Minister for Communications had referenced the Electronic Transactions Act, 2008 (Act 772), that there are essential provisions in it which should be read together with this Bill when passed. Having deleted the clause 2, one might think that this Act, when passed, is read in isolation.
Mr Speaker, there are essential provisions in the Electronics Transactions Act, the Banks and Specialised Deposit-Taking Institu- tions Act and even the Data Protection Act which would have to be read together with this one.
So, these are relevant enactments which anyone reading this would have to apply their minds to. Therefore, we felt that, if we reinstated clause 2, it will not be injurious to the work being done here.
Mr Speaker, however, the suggestion earlier was that this list is not exhaustive so we cannot list all the relevant acts which have to be read together with this. In any event, all laws are read together so that was the thinking at the time.
Mr Speaker 11:32 a.m.
In fact, you have partly answered what I was going to tell you by your second statement but there is still a difficulty. In interpreting any law, we are entitled to look at examples given of any legal reference. Hon Chairman, I am sure you are listening.
In the process of interpretation, we apply what we call the sui generis rule. In other words, of its own kind, those that are like that, similar to that particular one which we have been doing and the way to apply that is to say, ‘including', and then we mention some of them. However, if we do not write ‘including' and then mention some, what will happen is that the law intends that this law should only be interpreted with reference to those particularly mentioned ones.

If that is not the intention, should we have something that talks about inclusion, so that we know that the list is not exhaustive?

Hon Chairman, I hope you are with me. If your list is exhaustive, leave it like that. If it is not exhaustive, give an indication; the usual one being “including…”. In this way, anyone who takes the law would know that these are only examples of what you want to do, and it is not exhaustive.
rose
Mr Speaker 11:32 a.m.
Hon Yieleh Chireh, I would call you in a moment. Let them finish their consultation. We are now at the Second Consideration Stage, so everything is flexible.
Hon Majority Leader?
Mr Kyei-Mensah-Bonsu 11:32 a.m.
Mr Speaker, you are right in your guidance. Indeed, in clause 2(1), the preamble should read:
“This Act shall be read together with the relevant enactments including, in particular . . . ”
This is because they would want to particularise these ones. I think this should be the construction.
Mr Speaker 11:32 a.m.
Thank you very much.
Hon Yieleh Chireh?
Mr Chireh 11:32 a.m.
Mr Speaker, I think the suggestion that has been provided and the further amendment that has been made are in order. For instance, just before he could move the Motion, he added the Data Protection Act, which means that even if we had left out the Data Protection Act, it would
have been covered under this because it is relevant. So, I think it is in order.
The only issue I have is that clause 2(2) talks about the Act not derogating from the Bank of Ghana Act; but normally, there is always a problem when we do not indicate that anytime there is a conflict between this enactments and the current Act, one should prevail. It is normally said “an Act shall prevail”, but clause 2(2) only talks about the Bank of Ghana Act.
I do not know whether the Hon Chairman will be minded to look at it. Should these other listed Acts be read with this new one, what would the effect be if there is a conflict? Which one prevails? That should be clear in this enactment.
Mr Speaker 11:32 a.m.
Hon Chairman, the essence of this is that your provision under clause 2(2) is well taken; but that granted, in case of any conflict, which one should override which? When you provide for the coterminous existence of two separate laws, you would also want to determine which one is superior in effect, so that we would not have a stale mate. That is the essence. May want to consult your people at the back.
Dr Assibey-Yeboah 11:32 a.m.
Mr Speaker, this would be one of the many Acts that govern the activities of the Bank of Ghana. The Bank of Ghana Act, 2002 (Act 612) would be the superior one. I think that is what section 2(2) seeks.
Mr Chireh 11:32 a.m.
Mr Speaker, the Bank of Ghana Act, 2002 Act 612, which was also listed, is the reason the Hon Minister for Communications tried to amend this; but I can foresee that in future, if we are to read this together -- she is talking about the Electronic Transaction Act, 2008 (Act 772)and we are talking about Payment Systems and Services Bill.
Of course, in the interpretation section, the most recent one overrides the others. This means that the maker of the law has changed his mind, and so it overrides the others. That is why I wanted the statement to say that in the case of these listed Acts, if any conflict arises, it is this Act that prevails except clause 2, which is specific.
This is because without clause 2, the whole payment systems could not have been handled by the Bank of Ghana. That was the argument that the Hon Minister for Communications always made.
Mr Speaker, we should still add that in the event of any conflict, this Act prevails. There is a way to put it; the draftsmen could do it better. The Bank of Ghana Act, the basis for this Act -- that cannot be denied. We also need to qualify which one prevails because we cannot leave it to interpretation.
rose
Mr Speaker 11:32 a.m.
Yes, Hon Minister, do you want to come in?
Mrs Owusu-Ekuful 11:32 a.m.
Yes, Mr Speaker.
I believe the discussion is about the reinstatement of clause 2. I filed several amendments indicating that certain actions should be done in consultation with the National Information Technology Agency and, to a lesser extent, the National Communication Authority.
Mr Speaker 11:32 a.m.
Hon Minister, are you taking us on a different pathway? The Hon Chairman is not with you.
Hon Chairman of the Committee, are we on the same page? Is the Hon Minister for Communications on the same wavelength with us?
Dr Assibey-Yeboah 11:32 a.m.
Mr Speaker, she has been properly briefed by the Hon Chairman. She is laying a foundation.
Mr Speaker 11:32 a.m.
Is it right to what is on hand?
Dr Assibey-Yeboah 11:32 a.m.
Yes.
Mr Speaker 11:32 a.m.
Very well, Hon Minister, I just wanted to make sure that you are not talking about some other amendments.
Mrs Owusu-Ekuful 11:42 a.m.
Mr Speaker, it is about relevant enactments that the Payment Systems and Services Bill
ought to be read in consultation with. We believe that once that clause is included in the relevant clauses of the Bill, it takes care of several of the amendments that I had raised which would have prolonged the process.
Mr Speaker, you directed that we did a winnowing process. After consultations with the Hon Chairman, some members of the Committee and Leadership, we concluded that if we included the Electronic Transactions Act as one of the relevant enactments that ought to be read in conjunction with this Bill, it would mandate the applicants for electronic money issuance and the objects of the Bill to apply the conditions of the Electronic Transactions Act and the Payment Systems and Services Bill, so that it completes the whole transaction.
We believe once it is spelt out in clear terms in the Payment Systems and Services Bill, it would draw their attention to the fact that there are certain conditions and provisions in those enactments that they also ought to comply with to enable them to engage in electronic transactions, which electronic payments fall under.

So instead of having a lot of amendments to the law to include acting in accordance with the National Information Technology Agency or the National Communications Authority, by including clause 2, it covers and deals with a multiplicity of situations. That was why I did not push

for those amendments that I had filed earlier to be included.

The same also applies to the Electronic Communications Act --
Mr Speaker 11:42 a.m.
Hon Minister, there is no difficulty, except that Hon Yieleh Chireh is asking that in case of any conflict that might arise with regard to this particular law and the Bank of Ghana Act, which takes precedence over the other, and he wants us to ensure that we tighten the screws by adding something to that effect. That is all he said.
Mrs Owusu-Ekuful 11:42 a.m.
Mr Speaker, I believe that once the two laws are read in conjunction with each other, that conflict may not arise because there are provisions in the Electronic Transactions Act 2008 that mandate the Information Technology Agency to also register and approve all applicants for electronic transactions.
I believe that another consequential amendment would be clause 4(2), which should also spell out the members of the Advisory Committee for the Payment Systems --
Mr Speaker 11:42 a.m.
Hon Minister, we shall get to the members of the Advisory Committee later.
For now, Hon Yieleh Chireh -- we have, for example, “This Act shall be read together with relevant enactments including…” The list then comes.
Mrs Owusu-Ekuful 11:42 a.m.
Mr Speaker, all the laws that are listed here have some bearing on the operations of electronic money issuers and payment systems operators. So the laws they need to advert their minds to ought to be specified if they intend to engage in this business.
Mr Speaker 11:42 a.m.
Hon Member, they are all kept, so the issue does not arise again. That which is kept we would not justify. In fact, the Hon Majority Leader added those inclusive expressions; “This Act shall be read together with other relevant enactments including…”
So, they are all kept. That is the only thing done to clause 2(1), which includes, now by your Hon Chairman, paragraph (f). Clause 2(1) (f), Data Protection Act, 2012 (Act 843), as I have noted. There is no problem; we have gone past that.
As to clause 2(2), Hon Yieleh Chireh asked that in case of any conflict, particularly, between this law we are passing and the Bank of Ghana Act, shall we have a saving phrase as to which one takes precedence? Then we are done.
Hon Yieleh Chireh, I hope I have presented you right. Let the Hon Minister then help us.
Mrs Owusu-Ekuful 11:42 a.m.
Mr Speaker, this gives the Bank of Ghana power to regulate payment systems. So, in the performance of its duties Bank of Ghana, regulator of payment systems and services, they ought to be able to marry their various functions in a
seamless manner that would not lead to any conflict.
Mr Speaker 11:42 a.m.
Hon Minister, should we presume the seamlessness, or you want to tighten the screw by anticipating the possibility of seamlessness and then provide for it accordingly? This is his query.
Mrs Owusu-Ekuful 11:42 a.m.
I am struggling to see where the conflict may arise, since it is the same institution that is performing the various functions. Since they are both analogous legislations, I do not see how one could take precedence over the other; it is the same institution that would enforce both legislations, albeit in consultation with other agencies.
So, in the performance of their supervisory role, as the Central Bank, they would have functions to perform in managing all payment systems in addition to this one.
So I believe that clause 2(2) should suffice for the situation that is envisaged by Hon Yieleh Chireh without any additions to it.
Mr Speaker 11:42 a.m.
Hon Yieleh Chireh, in effect, the Hon Minister says that any possible fears are taken care of by clause 2(2), in that it says;
“This Act shall not, except otherwise provided in this Act, derogate from the Bank of Ghana Act”.
So essentially, the Bank of Ghana Act, 2002 shall prevail in case of any difficulty. I see you nodding; does that satisfy you?
Mr Chireh 11:42 a.m.
Mr Speaker, if that is understood -- because as I said, anytime we pass a law, the most recent overrides earlier ones. So, if it is clear that except the Bank of Ghana Act, 2002 all these other listed Acts are subsidiary to the one we are passing, I have no problem.
Mr Speaker 11:42 a.m.
So, that takes care of that difficulty.
Dr Assibey-Yeboah 11:42 a.m.
Mr Speaker, still on clause 2(1), I had indicated that --
Mr Speaker 11:42 a.m.
Do you want to add paragraph (g)? I thought as much.
Dr Assibey-Yeboah 11:42 a.m.
Mr Speaker, yes. I want to add paragraph (g), which would be the Electronics Communica- tions Act, 2008 (Act 772).
Mr Speaker 11:42 a.m.
Do you see why you need the saving clause? Otherwise tomorrow morning, you may think of another Act; but of course, whether it is there or not, that omnibus clause would satisfy everything.
Dr Assibey-Yeboah 11:42 a.m.
Rightly so Mr Speaker.
Mr Speaker 11:42 a.m.
Alright, so we have finished with that one.
Question put and amendment agreed to.
Clause 2 as amended ordered to stand part of the Bill.
Dr Assibey-Yeboah 11:52 a.m.
Mr Speaker, clause 4(3) reads:
“The Payment Systems Advisory Committee shall consist of
(a) the Governor of the Bank of Ghana or the alternate of the Governor of the Bank of Ghana as the chairperson, and
(b) eight other members including one representative each of relevant stakeholders deter- mined by the Bank of Ghana.”
Mr Speaker, we would want clause 4(3) to be deleted, and then we insert a new subclause that I would read --
Mr Speaker 11:52 a.m.
Very well. Please go on [Interruption.]
Order! Let the Hon Chairman of the Committee read what he proposes as replacement.
Dr Assibey-Yeboah 11:52 a.m.
Mr Speaker, I beg to move the new clause 4(3):
“The Payment Systems Advisory Committee shall consist of
(a) the Governor of the Bank of Ghana or the alternate of the Governor of the Bank of Ghana as the chairperson.”

Just as it is provided in paragraph (a) of the Bill.

(b) a representative of the National Information Tech- nology Agency (NITA).

(c) a representative of the Ghana Association of Bankers.”
Mr Speaker 11:52 a.m.
You are identifying the institutions, in clear terms, that would nominate other members of the Board.
Dr Assibey-Yeboah 11:52 a.m.
Rightly so, Mr Speaker.
Mr Speaker 11:52 a.m.
All right, please go on.
Dr Assibey-Yeboah 11:52 a.m.
Mr Speaker,
“a representative of the Securities and Exchange Commission, a representative of the Association of Ghana Industries --”
Mr Speaker 11:52 a.m.
Hon Members, let us listen to this carefully because we now have a situation where there is an introduction of institutional representation. That is the concept. So, let us listen to the names of the institutions carefully.
Dr Assibey-Yeboah 11:52 a.m.
Mr Speaker, I would take the institutions again.
Mr Speaker 11:52 a.m.
Yes, please do that.
Dr Assibey-Yeboah 11:52 a.m.
Mr Speaker, the institutions would be:
“The National Information Technology Agency (NITA), Ghana Association of Bankers, the Association of Ghana Industries, the Securities and Exchange Commission, the Ghana Interbank and Settlement Payment Systems (GhIPSS)…”
Mr Speaker 11:52 a.m.
We have got five
(5)
Dr Assibey-Yeboah 11:52 a.m.
Mr Speaker, The National Information Technology Agency (NITA), Ghana Association of Bankers, the Association of Ghana Industries, the Securities and Exchange Commission, the Ghana Interbank and Settlement Payment Systems (GhIPSS), Ministry of Communications, Ghana Revenue Authority and, finally, the Ministry of Finance.
Mr Speaker 11:52 a.m.
So, that will be eight
(8).
Dr Assibey-Yeboah 11:52 a.m.
Yes, Mr Speaker. I would take the eight again.
Mr Speaker, paragraph (a), “…is the Governor or his alternate”.
Mr Speaker 11:52 a.m.
Will the Governor make it nine members?
Dr Assibey-Yeboah 11:52 a.m.
Yes, he is in paragraph (a) -- or the alternate of the Governor. We then have eight others -- one from NITA, the Association of Ghana Industries, Securities and Exchange Commission,
Ghana Interbank and Settlement Payment Systems (GhIPSS), Ghana Association of Bankers, Ministry of Communications --
rose
Dr Assibey-Yeboah 11:52 a.m.
Mr Speaker, I would want to yield --
Mr Speaker 11:52 a.m.
Hon Chairman of the Committee, what is going on?
In fact, what is happening is that from the original -- Hon Chairman, if you would listen here, but if you like the deviation better, then I would stop.
In the original Bill, membership of the additional eight or whatever is determined by the Bank of Ghana. Now, you are replacing that BoG's determination with institutional representation so that it becomes more democratic or representative of the relevant institutions. That is the essence of it. Please conclude so that we hear -- It is good when we get the principle.
Yes, Hon Minister?
Mrs Owusu-Ekuful 11:52 a.m.
Mr Speaker, because of the crosscutting nature of this law, and as the amendment to clause 2 indicates, there are some pieces of legislation that ought to be read in conjunction with it. So, in the implementation of this law, it would be proper if certain key institutions are represented on the Advisory Board, so that they would craft the right Regulations to guide the
operations of the law and be mindful of measures that could also be taken to stimulate growth and innovation in this area.
That is why the organisations mentioned by the Hon Chairman ought to sit on the Advisory Board as a matter of course. It is not left to the BoG itself to decide which organisations or individuals should be represented on it.
I believe that if in addition to the institutions and organisations listed by the Hon Chairman, the BoG is also given the power to nominate two other persons that they may feel ought to join the group, it would cover all the concerns and necessary situations that may arise.
Mr Speaker, but I am in support of the institutions listed by the Hon Chairman to be included, as a matter of course, on the Advisory Board to assist the BoG in the effective implementation of the role.
It also provides for the interagency cooperation that is necessary to ensure that any possible eventuality would be properly taken care of by the Board, and no one would be short changed, particularly, the ultimate consumers of the product.
Thank you.
Mr Speaker 11:52 a.m.
Yes, Hon Dr Anthony Akoto Osei?
Dr Anthony A. Osei 11:52 a.m.
Mr Speaker, I am violently opposed to the recommendation of the Hon Chairman. I do not know on what basis -- ?
Mr Speaker 11:52 a.m.
Are you violently opposed to the proposed amendment?
Dr A. A. Osei 11:52 a.m.
Mr Speaker, I do not know the basis of the list; it is not the Committee's amendment.
Mr Speaker, there is a reason clause 2 has been brought back. This matter --
Mr Speaker 11:52 a.m.
Hon Member, if you say you do not know the reasons, the Hon Minister just gave us some reasons. So, let us not -- You may not agree with the reasons, but we have been made to know that there is the need for interconnectivity so far as --
Dr A. A. Osei 11:52 a.m.
Mr Speaker, it was specific. That is why I would want her to clarify what she said.
Mr Speaker 11:52 a.m.
Very well. You do not agree with it, and that is fine; but do not say you do not know.
Dr A. A. Osei 11:52 a.m.
No, Mr Speaker. Those institutions were not listed. In fact, the reason that it would be amended was simple. It was because we were bringing back clause 2 with the Electronic Transactions Act, 2008 -- if he would remember, there were some earlier amendments that made reference to the Electronic Transactions Act, 2008 which involves both the NITA and the National Communication Authority (NCA). So, the discussion centred on making sure that NITA and NCA were on. Those were the only two.
In addition, GhIPSS is under the BoG, so I do not know why the Ghana Revenue Authority (GRA) should be there. This is a payment system.
I do not even know why the Ghana Institute of Bankers should be there. They are regulated by the BoG, and he wants to call them to advise --
Mr Speaker, that was the essence of the discussion. Two institutions were definitely linked, NITA and NCA, to ensure collaboration and not the full list the Hon Chairman has given. So, I am not sure of the basis of the Hon Chairman's list.
Mr Speaker 11:52 a.m.
Do you not agree with the justification?
Dr A. A. Osei 12:02 p.m.
Yes, Mr Speaker, there is no basis because he did not tell us who gave him that list.
Mr Speaker 12:02 p.m.
There is no basis.
Dr A. A. Osei 12:02 p.m.
Mr Speaker, in fact, originally, he was persuaded as to why we have to do a Second Consideration Stage, and we explained to him why. I do not want to go into all the background discussions.
Mr Speaker 12:02 p.m.
All right.
Yes, Hon Yieleh Chireh?
Hon Minister, we shall come to you.
Yes, Hon Yieleh Chireh, and then we would come to the Hon Minority Leader.
Mr Chireh 12:02 p.m.
Thank you, Mr Speaker.
Mr Speaker, I support the further amendment that he is making by identifying the institutions that ought to be represented.
Mr Speaker, I thought that the proposers of the Bill agreed with the Hon Chairman of the Committee to make this amendment. So, it does not have to be the Committee again. It is the proposers who made us to amend clause 2 and, therefore, amending clause 4 (3) is specifying, rather than leaving it to somebody's own whims and caprices to nominate people to represent.
Mr Speaker, so I support the amendment; but I would prefer that as we normally do, we should say that the representatives of the two Ministries, the Ministries of Communications and Health, should at least be at the level of a director -- at least, a director -- so that it is clear that the person has at least some understanding or capacity to help make decisions at the committee level.
Mr Speaker 12:02 p.m.
The Hon Yieleh Chireh supported the proposition with a caveat. In fact, these days, we are moving more towards institutional representation as a way of democratisation.
Alhaji Muntaka 12:02 p.m.
Mr Speaker, this was why when we started, I drew the attention of the House to it, but it was seen as if I was just trying to frustrate the work.
Mr Speaker, there are reasons for Hon Ministers sponsoring Bills to be around. As we Sit here, with what the Hon Chairman is doing -- the Hon Minister for Finance has taken a Bill through Cabinet and had decided on a particular list. The Hon Minister is not here, but we have another Hon Minister here to dilute what he has done.
Mr Speaker, we do not object to people --
Mr Speaker 12:02 p.m.
Hon Member, there is no dilution here.
Alhaji Muntaka 12:02 p.m.
Mr Speaker, I agree that there is no dilution.
Mr Speaker, however, when we make amendments, we are always mindful of the reason for which the Government decided to bring the Bill. If this Bill was a Private Member's Bill, it would have been all for all but this is a Government-sponsored Bill by no other Ministry, than the Ministry of Finance. I remember very well why some of these clauses and were deleted.
Today, we are coming with a Second Consideration Stage and my worry --
Mr Speaker 12:02 p.m.
Hon Member, are you contributing to the amendment?
Alhaji Muntaka 12:02 p.m.
Yes, Mr Speaker, I am contributing to it. Mr Speaker, because we do not have the sponsoring Ministry, or the Hon Minister here, I would prefer that we stand it down and get them to
Alhaji Muntaka 12:02 p.m.


collectively agree. Other than that, by the time we finish, the sponsor of the Bill may come back for another Second Consideration Stage to provide reasons and that is my worry.

Mr Speaker, thank you very much.
Mr Speaker 12:02 p.m.
Hon Member, we have heard your concerns.
Yes, Hon Chairman of the Committee, we are continuing.
Dr Assibey-Yeboah 12:02 p.m.
Mr Speaker, I would just want to draw the attention of the Hon Minority Chief Whip to the fact that --
Mr Speaker 12:02 p.m.
Hon Members, the Hon Minister for Finance is duly represented by the Hon Deputy Minister for Finance.
Very well, thank you.
The Hon Deputy Minister has moved to the front seat, so that she would be manifestly visible.
rose
Mr Speaker 12:02 p.m.
Hon Minister, we have in fact made progress.
Hon Members, we would just want to respond to that little bit of Hon Yieleh Chireh, if you are agreeable, then we would conclude this matter.
Hon Yieleh Chireh, there is a situation of the two Hon Ministers or their representatives.
Mr Chireh 12:02 p.m.
Mr Speaker, we have two representatives, one from the Ministry of Communications and the other one from the Ministry of Finance. Their representation should be, at least, by a director. That is the further amendment that I proposed.
Mr Speaker 12:02 p.m.
I see the Hon Minister nodding vigorously, so Hon Chairman, add that and let us conclude the matter.
Dr Assibey-Yeboah 12:02 p.m.
Mr Speaker, we have to be clear in our minds, on the list of members of the committee, so we may agree on the list again.
Mr Speaker 12:02 p.m.
The list is not as important as the composition.
Dr Assibey-Yeboah 12:02 p.m.
Mr Speaker, the list is the composition.
Mr Speaker 12:02 p.m.
No, who would comprise the list matters more than the numerical strength of the list per se.
rose
Mr Speaker 12:02 p.m.
Yes, Hon Dr Akoto Osei?
Dr A. A. Osei 12:02 p.m.
Mr Speaker, I plead with you that we step down this amendment and have further consultations; otherwise, there would be confusion if we go ahead. Some things need to be explained and negotiated properly, so we would need to step it down.
Mr Speaker 12:02 p.m.
Thank you very much; your caution is taken.
Yes, Hon Chairman, proceed. There is the final suggestion that the representat ives of the two Ministries --
Dr Assibey-Yeboah 12:02 p.m.
Mr Speaker, the indication is that we stand this one down and then agree on the list after adjournment.
Mr Speaker 12:02 p.m.
So, you would agree on the full list.
Dr Assibey-Yeboah 12:02 p.m.
Yes, Mr Speaker, on the composition. So, we could stand clause 4 down.
Mr Speaker 12:02 p.m.
Very well.
Hon Minister, we would stand it down for a while.
Mrs Owusu-Ekuful 12:02 p.m.
Yes, Mr Speaker.
Mr Speaker, I wanted us to consider another clause.
Mr Speaker 12:02 p.m.
Just the composition?
Mrs Owusu-Ekuful 12:02 p.m.
Mr Speaker, not the composition, but it is on clause 3.
Mr Speaker 12:02 p.m.
Hon Minister, you should kindly wait and do it holistically.
Hon Members, we are not departing from the second Consideration Stage yet, so there is no difficulty.

Hon Chairman, kindly do your reconciliation while we --

Hon Members, while still at the Second Consideration Stage, are we in a position to consider the Chartered Institute of Bankers (Ghana) Bill,

2018?

Hon Members, the Hon First Deputy Speaker would take the Chair at this stage.

Hon Members, the Motion listed 8 is stood down, while consultations take place with regard to the list. For that matter, we would proceed to item numbered 20, still at the Consideration Stage, after which we shall soon come back to the Payment Systems and Services Bill, 2018. Meanwhile, we would take item listed 20 -- Chartered Institute of Bankers (Ghana) Bill, 2018 at the Consideration Stage.
Mr Speaker 12:12 p.m.
Hon Majority Leader?
Mr Kyei-Mensah-Bonsu 12:12 p.m.
Mr Speaker, we could deal with item listed 10.
Mr Speaker 12:12 p.m.
Hon Majority Leader, I thought we were continuing with the Consideration Stage while we have the result from the consultations happening. Unless, of course, it is not possible for us to take the Chartered Institute of Bankers (Ghana) Bill, 2018, then we could tackle something else.
Mr Kyei-Mensah-Bonsu 12:12 p.m.
Mr Speaker, I thought we finished with the Payment Systems and Services Bill, 2018 yesterday. This was to pass us through a Second Consideration Stage. But where we are, we cannot make further progress on that unless we have further progress on that unless we have consultations. So, in respect of the Second Consideration Stage on the Payment Systems and Services Bill, 2018, we are halting that for the time being to do item listed 10.
Mr. Speaker, thereafter, we would come back and deal with the Chartered Institute of Bankers (Ghana) Bill, 2018.
Mr Speaker 12:12 p.m.
So, do we end the Second Considerationj Stage at th is point and then, kindly, go lto item numbered 1?
The Second Consideration Stage is suspended. [Pause.] --
Hon Members, item listed 10, Motion.Hon Chairman of Committee.
Alhaji Muntaka 12:12 p.m.
Mr Speaker, to be consistent with the earlier request that the Hon Chairman of the
Subsidiary Legislation Committee is not available, I would be grateful with your indulgence and that of the House for the Vice Chairman of the Committee to move the Motion on his behalf.
Mr Speaker 12:12 p.m.
Very well.
MOTIONS 12:12 p.m.

MR FIRST DEPUTY SPEAKER
Mr Joseph Y. Chireh (NDC -- Wa West) 12:22 p.m.
Mr Speaker, if we look at the Committee's Report, we would see that, it is trying to rectify a number of anomalies that were found with our legal system prior to this legislation. You would recall that about a week or two ago, a Bill was brought to amend the Civil Aviation Act. That is very important because we were being blacklisted as an airline operation centre because our laws were not compliant with International Civil Aviation Organisation (ICAO) Regulations.

Mr Speaker, now that we have done so, it means that we have to be serious about investigating accidents and serious incidents because what happened recently in Ethiopia is an eye opener. It means that if we did not have this legislation in our system, it would have been difficult to get the relevant people to do the investigation to find out what happened. That is why I think that it is important for us to support this Subsidiary Legislation to come into force after the 21 days.
Mr Ras Mubarak (NDC -- Kumbungu) 12:22 p.m.
Mr Speaker, this is a very important legislation and I would like to commend the work that has been done by the Committee.
There is a bit about the reporting of accidents and I thought that, as far as that was concerned, there would be specificity in the reporting. This is because section 3 says that:
“where an accident occurs, notice should be sent by the quickest means available to the Minister”
Mr Speaker, if we could specify what “quickest means” is, it would help. This is a legislation and one might think sending a text message could be the quickest means. However, imagine a situation where the Hon Minister is en route a destination and does not have access to internet or data; that might pose a problem.
We have seen instances where one would send a text message and the
text hangs until such a time that one arrives at a destination before it is delivered. So, I would want the Committee to look at that particular issue again. What could the “quickest means” be? Is it a text message, WhatsApp message, e-mail or fax? We need to be clear as to exactly what “quickest means” is.
Mr First Deputy Speaker 12:22 p.m.
Of the three you have mentioned, which one is the quickest?
Mr Ras Mubarak 12:22 p.m.
Mr Speaker, the point is that we are talking about accident reporting. WhatsApp messaging could be the quickest but if the Hon Minister at any given time does not have data or is en route somewhere or on a flight, it might cause serious problems. So, a text message could be sent and if the Hon Minister is going to his constituency in Bekwai and maybe, there is no network coverage in some parts of Bekwai, he would not get notified quickly. I believe that we need to fine- tune it and see how important messages could be delivered without any incident hampering the urgency of the situation.
Mr Alex K. Agyekum (NPP - - Mpohor) 12:22 p.m.
Mr Speaker, thank you for the opportunity to comment on the Report.
The latter part of paragraph 5.4 of the Report indicates some critical information that the Committee recommends. It states, with your permission:
“In order to undertake preventive actions on an accident or serious incident, the Ministry is required to establish a mandatory incident reporting system to facilitate the collection of any relevant information. The Ministry is also required to establish and maintain an accident and serious incident database to facilitate the effective analysis of information on actual or potential safety deficiencies and to determine any preventive actions required.”
Mr Speaker, my concern is about the database and also the collection of relevant information. Our investigative landscape in the country is such that any time some of these incidents take place, our not-so-well- educated public just rush in and tamper with some data that could be relevant to the investigation.
So, I urge the House that while we adopt the Report, there should be a serious public education and the cording of areas considered to be accident zones such that people cannot tamper with evidence that could be of help when the analysis is done to find the cause.
The database is also critical, because without the relevant database that historically gives an update of what has happened before, it would be very difficult to arrive at a conclusion. So, this is an important Report that would help the country not only in the aviation industry, but the principle could be extended to

cover all other investigations in the country because of the way now the general public views some of these accidents and incidents. It could be for the police forensic departments and other investigative bodies.

With these few comments, I urge the House to adopt the Report.
Alhaji Mohammed-Mubarak Muntaka (NDC -- Asawase) 12:22 p.m.
Mr Speaker, I just wanted to clear some impression that was created by the Hon Member for Kumbungu, Hon Ras Mubarak.
When a Minister is mentioned here, it does not refer to the individual but the Office. And where there are Deputies, Chief Directors and technical persons -- They are the ones being referred to. Aside that, this is a Subsidiary Legislation and we do not have the power at this stage to make changes. It is when one feels strongly about an issue that, if passed in this form, it could be injurious to the country that we could call for it to be rejected.
This would require two-thirds of us. Or, it could pass and we could hope that these contributions would inform future amendments. With the comments that he made, the Office
of the Minister does not just refer to the individual, and at this stage, I think that we could put the Question and allow the Regulation to come into force.
Question put and Motion agreed to.
Mr First Deputy Speaker 12:22 p.m.
Hon Deputy Majority Leader, what next?
Ms Safo 12:22 p.m.
Mr Speaker, Motion numbered 9 is ready.
Mr First Deputy Speaker 12:32 p.m.
Very well. Item numbered 9, Motion -- Hon Chairman of the Committee.

Report on the Implementation of the Ghana Shared Growth and

Development Agenda (GSGDA)

II 2014 - 2017
Chairman of the Committee (Mr Godfrey T. Bayon) 12:32 p.m.
Mr Speaker, I beg to move, that this Honourable House adopts the Report of the Committee on Poverty Reduction Strategy on the 2015 Annual Progress Report on the Implementation of the Ghana Shared Growth and Development Agenda
(GSGDA) II, 2014-2017.
In so doing, I present your Committee's Report.
Chairman of the Committee (Mr Godfrey T. Bayon) 12:32 p.m.


SPACE FOR TABLE OF CONTENTS CONT- PAGE 2 - 12.32

P.M.

Introduction

The 2015 Annual Progress Report on the implementation of the Ghana Shared Growth and Development Agenda (GSGDA) 2014 - 2017 prepared by the National Development Planning Commission (NDPC) was laid in the House on Monday, June 19, 2017, and was referred to the Committee on Poverty Reduction Strategy for consideration and report in accordance with the Standing Orders of the House.

In considering the referral, the

Committee invited Ministers, Chief Directors and Officials of the Ministries, Departments and Agencies. The Committee is grateful to them for their assistance.

Reference Documents

The Committee referred to the following documents in considering the report:

i.The 1992 Constitution

ii. The Standing Orders of the House

iii. The Budget Statements for 2014 and 2015

iv.The 2015 Annual Progress Report on the implemen- tation of the Ghana Shared Growth and Development Agenda (GSGDA II), (2014-

2017)

Summary of the Report

The 2015 Annual Progress Report (APR) provided an assessment of the policies and strategies outlined in the Ghana Shared Growth and Development Agenda (GSGDA II), 2014-2017 in 2015. It is the second assessment of the progress of implementation of the GSGDA II and the fourteenth in the series of APRs prepared since 2002.

The overall goal of the GSGDA II is to accelerate the growth of the economy with the view to creating more jobs, generating more income and reducing poverty. Policy measures identified to achieve this goal are prioritised in the seven thematic areas, namely:

i. Ensuring and sustaining macro- economic stability;

ii. Enhanced competitiveness of Ghana's private sector;

iii. Accelerated agricultural modernisation and sustainable natural resource management;

iv. Oil and gas development;

v. Infrastructure and human settlement development;

vi. Human development, pro- ductivity and employment; and

vii. Transparent and accountable governance.
Chairman of the Committee (Mr Godfrey T. Bayon) 12:32 p.m.


Mining, quarrying and electricity sub-sectors were the most affected, recording a growth rate of -2.2 per cent and -10.2 per cent, respectively. While the decline in the mining sub- sector was largely due to a fall in gold and oil production as a result of a slump in global commodity prices, that of electricity was attributed to the challenges with the power sector.

Increasing Public Debt

The Committee further observed that the total public debt stock increased from GH¢79,000,665.48 million in 2014 to GH¢100,000,234.95 million at the end of December 2015. In real terms, this represented an increase from 70.23 per cent of GDP in 2014 to 71.63 per cent of GDP in 2015.

This was against the backdrop of the debt management strategy which required that commercial loans be restricted to profitable projects with on-lending and funds held in trust to ensure debt repayment.

Ghana Integrated Financial Management Information Systems

(GIFMIS)

The Committee noted that as at 2014 all MDAs and seven (7)Metropolitan, Muncipal and District Assemblies (MMDAs) have been migrated onto the GIFMIS platform to process financial transactions. Currently, MMDAs that are on the platform are Accra Metropolitan Assembly (AMA), Kumasi Metropolitan Assembly (KMA), Tema Metropolitan Assembly (TMA), Cape Coast

Metropolitan, Ho Municipal, Obuasi Municipal and Tarkwa Nsuaem Municipal.

In 2015, additional 53 MMDAs were expected to be migrated onto the platform. However, this was not achieved due to the inability of the Ministry to complete the roll-out of the fiscal decentralisation and composite budgeting policies as well as the network infrastructure to the affected MMDAs.

The Committee recommends that the Ministry of Finance intensifies its efforts to extend GIFMIS to the Local Government level, that is, the MMDA level. It is also important that National Information Technology Agency (NITA) establishes network connectivity to all the MMDAs for the roll out of activities.

Bank of Ghana

High Inflation

The Committee noted with concern high inflation experienced by Ghanaians in the country. The year- on-year inflation rose from 17 per cent in 2014 to 17.7 per cent in 2015. The Committee was of the view that with the current rate of inflation, the country might risk the opportunity to achieve GSDA's medium target of 8.0±2.0 per cent.

The Committee was informed that the rise in headline inflation rate at the end of 2015 was mainly due to inflation in food prices as it rose from 7.4 per cent in June to 8 per cent in December 2015.

The Committee recommends that the Bank pursued both demand and supply driven macroeconomic policies in order to achieve low and stable inflation and exchange rates. In the view of the Committee, while inflation targeting is a useful and necessary tool to achieve low inflation, it is not sufficient to ensure rapid and sustained low level of inflation.

A more moderated and weighted adjustment of the Monetary Policy Rate (MPR) that takes into account the real sector of the economy will help achieve a dual goal of inflation and high economic growth.

Interest Rate Spread

The Committee was informed that the interest rate spread for the year 2015 was 14.5 per cent. In the view of the Committee, this was too wide and may impact negatively on the cost of doing business in Ghana.

In response, the Deputy Governor attributed the wide interest rate spread to inflation and other risk factors related to lending. It was further explained to the Committee that if measures were taken to contain non- food inflation, the MPR of the Bank and subsequently, interest rate spread would have reduced.

Improved Access to Financial Services

The Committee noted that credit to the private sector as a percentage

of Deposit Money Banks' total credit reduced from 87.3 per cent at the end of 2014 to 81.7 per cent at the end of 2015. This, the Deputy Governor attributed to the position taken by some banks to slow down on the granting of new loans until they are able to improve upon their non- performing loans.

This notwithstanding, the Committee was happy to have been informed of the establishment of the Collateral Registry and licensing of Credit Reference Bureau which will go a long way to help lower the ratio of impaired loans and address the risks in lending.

Enhancing Competitiveness of Ghana's Private Sector

Overall Performance

The Committee noted that the overall progress in this thematic area in 2015 was below average. Out of the 22 indicators monitored, only 36.4 per cent either achieved their target or made significant/steady progress, whilst 59.1 per cent either made slow progress or did not achieve their targets. The rest of 4.5 per cent could not be assessed due to lack of data.

Ministry of Trade and Industry

Regulatory and Business Environment

The Committee noted that Ghana's ranking in the World Bank's Ease of Doing Business assessment dropped from the 70th position in 2014 to 112th in 2015 out of 189 countries.
Chairman of the Committee (Mr Godfrey T. Bayon) 12:32 p.m.


development. In this regard, there is the need to increase research into large-scale breeding and production of livestock, large-scale cultivation of maize and soya beans for the formulation of animal feed to improve access to quality feed, design appropriate interventions to address processing and marketing of livestock and intensify, disease control and surveillance, among others.

Ministry of Fisheries and Aquaculture Development

Illegal Fishing

The Committee noted that illegal fishing activities coupled with over exploitation of marine resources were some of the causes of the depleting fish stock in the country's waters. Consequently, Ghana recorded a fish catch deficit of 662,555.84 metric tonnes in 2015.

The Committee observed that illegal fishing activities affected the declaration of the quantum of fish catch, thus, not reflecting the actual contribution of fishing to agricultural Gross Domestic Product.

The Committee recommends that the Fishing Enforcement Unit of the Ministry should be strengthened. The Committee further urges the Enforcement Unit to have regular interactions with the fisher folks and educate them on best practices of fishing. There is also the need for collaboration between the Ghana Marine Police and the Ghana Navy

to curtail illegal fishing and improve surveillance.

Production of Aquaculture

The Committee was informed that production from aquaculture accounted for 10.0 per cent of the overall fish production in the year under consideration. The Committee was further informed that aquaculture production has been increasing over the years, however, the rate of growth has not been significant enough to drastically reduce the country's over- dependence on fish catch.

To significantly transform aquaculture development and enhance domestic fish production, the Committee recommends that the implementation of the Ghana National Aquaculture Development Plan be given appropriate attention by the Ministry. Thus, measures such as promotion of private investment in aquaculture, developing aquaculture infrastructure and adequate supply of fish feed should be given a priority.

Ministry of Lands & Natural Resources

Declining Gold and Diamond Production

The Committee expressed concern about the decline in Gold and Diamond production in response, the Ministry attributed this to the downturn in global prices. Besides, the suspension of mining at the Obuasi Mine of AngloGold Ashanti, the slowdown in output from the small- scale mining sector as well as

production challenges at Newmont Ahafo, Golden Star Bogoso Prcstca Limited and Abosso Goldfields Limited also contributed to the poor performance, especially in gold production.

The Committee noted that the situation affected the ability of exploration Companies to raise the necessary resources to undertake and complete their respective work plan for 2015. Furthermore, it was noted that Foreign Direct Investment and the contribution of minerals production to total merchandise exports declined by 32 per cent and 26.4 per cent respectively.

To reduce the sector's vulnerability to slumps on the world market, the Committee recommends the need for government to prioritise diversification of the sector from the export of the mineral resources in their raw forms into value-added products.

Forest degradation

The Committee noted with concern the over-exploitation of some natural resources which is causing damage to the environment, especially, through deforestation. Estimates by Forestry Commission show that the country is undergoing rapid forest degradation at a rate of 0.19 per cent per annum. It is the view of the Committee that if measures are not taken to forestall this trend, the country's forests will be fully degraded in the next 50 years.

In response, officials from the Forestry Commission informed the Committee that under the National Plantation Development Programme, the Commission is required to replant 20,000 hectares of degraded landscape (10,000 hectares on-forest reserve areas and 10,000 hectares off-forest reserve areas) to restore the degraded forest. However, between the years 2014 and 2015 no plantations had been established by the Government in forest reserves due to inadequate resources.

The Committee recommends that Forestry Commission should make the necessary effort at developing innovative approaches for mobilisation of funds to facilitate the implementation of the 25-year Ghana Forest Plantation Strategy.

Ministry of Petroleum

Oil and Gas Development

Overall Performance

The overall performance in this thematic area could be considered as below average, as 45.5 per cent of the 11 indicators monitored in this area either achieved their target or made significant/steady progress, while 54.5 per cent did not achieve their respective targets or made slow progress.

Performance of the Oil and Gas Sector

The contribution of the oil and gas sub-sector to the overall economy (GDP) declined from 7.2 per cent in
GDP 12:32 p.m.

GSGDA II 12:32 p.m.

Mr Benson T. Baba (NDC -- Talensi) 12:32 p.m.
Mr Speaker, I rise to second the Motion, and in doing so, I would want to make a few observations.
Mr Speaker, as clearly captured in paragraph 5 of the Report, and with your permission, I beg to quote:
“Thus, each MDA made presentations and offered explanations to questions asked in relation to the indicators and issues raised. However, the Ministry of Education could not attend upon the Committee.''
Mr Speaker, this is a very worrying trend because after several invitations without any response from the Ministry, we were compelled to submit your Committee's Report to the House without any input from the Ministry of Education. There is an Hon Minister and three Hon Deputy Ministers at the Ministry of Education, with three of them being Hon Members of this House and therefore, very conversant with the workings of Committees in Parliament.
Mr Speaker, it may appear they had a very genuine excuse and I would therefore wish that you respectfully invite the Hon Minister to explain the failure of his Ministry to attend upon the Committee.
Mr Speaker, as a nation, we have had several developmental projects which have been programmed but, unfortunately, successive governments have failed to continue with the projects initiated by their predecessors. A typical example is the period soon after the 1966 coup d'etat to even the present Fourth Republic, the numerous projects governments have initiated still lie in waste. The irony of it is that the ordinary tax payer would either pay for the loan or the execution of the project.
Mr Speaker, in the last Parliament, the National Development Planning Commission (NDPC), submitted a comprehensive 40-year development plan for this country which would have transformed this country into one of the first-class state-of-the-art countries in the world, but regrettably, after the change of government, it appears that this 40-year development plan is gathering dust.
Mr Speaker, I recall that in the year 2004 during the Athens Olympics Games, the late Hon Baah Wiredu -- may his soul rest in perfect peace -- tasked me as the then president of the Ghana Olympics Committee to lobby the International Olympics Committee so that Ghana would be given the right to host the Olympic games in 2032.
Mr Benson T. Baba (NDC -- Talensi) 12:42 p.m.
From that time to date, and comparing it to the 40-year development programme, it would be realised that the 40-year development programme fits into the vision of the late Hon Baah Wiredu.
Today, we were told by the President in his Message on the State of the Nation that he presented to the House that Ghana would host the next All African Games in 2023. Ghana has a very onerous task to provide infrastructure to be able to cover all the disciplines that would be required for the hosting of this event.
Mr Speaker, the All African Games is Africa's version of the Olympic Games. It is also a qualification event for the next Olympic Games in 2024. So, when we look at the upcoming event and compare it with the type of facilities currently in the country, it means that the task ahead of us is enormous. From time immemorial, it has become the norm in the allocation of budget to the various Ministries that the Ministry of Youth and Sports becomes a victim.
Mr Speaker, with your permission, I beg to quote paragraph 6.6.4 of your Committee's Report which states clearly that:
“The Committee was informed that the sector was not provided with adequate budgetary allocation to meet the various demands of National Sports Authority. This has negatively impacted on Sports develop- ment in the country.''
Mr Speaker, sports is a serious business which has made people from deprived communities to become important personalities not only in their country, but all over the world.
I would want to urge this House to start considering the provision of adequate resources, so that we start preparing for the 2023 All African Games. The mandate of this Government would end in 2020 with a new Government coming in 2021. The Games would be hosted in 2023 and it means that we would still have a year for the next general elections.
Mr Speaker, I would want to recommend that in approaching the hosting of the 2023 All African Games, it is important that we should collaborate; we should have a national consensus and also ensure that we depoliticise our sporting activities so that we get everybody on board to support and execute the games to a very successful end.

Mr Speaker, with these few words, I urge this House to adopt the Report of the Committee on the Ghana Shared Growth and Development Agenda II, 2014-2017.
Mr Ahmed Arthur (NPP -- Okaikoi South) 12:42 p.m.
Mr Speaker, I thank you for the opportunity to contribute to the Report of the Committee on the Implementation of the GSGDA II.
Mr Speaker, the goal of the GSGDA II is to accelerate growth in the economy to create more jobs which is linked to more income and ultimately, reducing poverty. Our national Budget Statement is prepared with this in mind and allocations made to the various Ministries are geared towards poverty reduction programmes.
Mr Speaker, over the years, during our interaction with some of these Ministries, it has become evidently clear that the Ministries are not utilising these funds in that regard and they are vying for it and using it in other areas.
I would therefore take this opportunity to urge the House to take this issue seriously because we would have to put in every effort to make sure that we reduce poverty in this country.
Mr Speaker, the main theme of the GSGDA II is to reduce poverty and to ensure that everybody is brought on the same level. For that matter, programmes are implemented to ensure that the Poverty Reduction Strategy Programmes reach out to the very people targeted.
Over the years, various governments have tried to implement various programmes geared at reducing poverty. Let me just take the opportunity to mention a few of these projects in this country. The Livelihood Empowerment Against Poverty (LEAP) Project is one of such projects targeted at helping the vulnerable and the elderly poor in our society.
Cocoa Roads Project is targeted at building the roads in the cocoa areas to ensure that our farmers will be able to bring their farm produce to the cities on time, so that we would get fresh food at all times.
Mr Speaker, Planting for Food and Jobs programme has come as a very good intervention to reduce poverty in our society and the result is there for everyone to see.
The National Health Insurance Scheme has brought so much benefit to Ghanaians and in so many ways, people have benefited from this Scheme introduced by the NPP Administration.
Mr Speaker, poverty like some will say, is a disease; so I believe that we should make a concerted effort to fight poverty and to make sure that we put in place measures that will help reduce poverty.
Education is key and paramount in helping reduce poverty in this country. So, as the Hon B. T. Baba mentioned, we were not really happy when the Ministry of Education did not attend to our meetings because the Ministry of Education plays a major role in helping reduce poverty in whichever way or form.
Mr Speaker, I would thank you for the opportunity to speak on this Report.
Mr Yussif Sulemana (NDC - Bole/Bamboi) 12:42 p.m.
Mr Speaker, I rise to support the Motion before the House.
Mr Yussif Sulemana (NDC - Bole/Bamboi) 12:42 p.m.


I would want to add my voice to that of the Hon Ranking Member for this Committee in calling on the Ministry of Education to take the work of this Committee seriously. And it was not just the Ministry of Education that did not show up; the Ministry of Finance and many other Ministries did not respond to our call on time.

This Report was referred to us in 2017 and it is today that we are discussing it. So, I believe that it is important for the Ministries to consider the work of this Committee as very important.

Mr Speaker, the 2015 APR set about 290 indicators and by the close of the year, only 30 per cent of the indicators were achieved compared to 2014 where we had about 27.3 per cent achieved. It is very important to bring to the fore that at 60 years, we still set indicators but we are unable to measure them because of the lack of data and that is something worrisome which as a nation we must look at.

Mr Speaker, the Report is under some themes. An example of which is micro-economic indicators. Within the year, it was realised that the economy grew only by 3.9 per cent. There was also a decline of per capita GDP from 1,426 in 2014 to 1,339 in

2015.

Indeed, let me just say that most of the indicators did not do well in 2016 and that must have pushed
Mr Yussif Sulemana (NDC - Bole/Bamboi) 12:52 p.m.
Mr Speaker, even though the indicators did not do well, we still achieved some milestones in 2015. For instance, the Ghana Integrated Financial Management Information System (GIFMIS) was introduced in 2014 and in 2015; we were able to bring on board many of the Metropolitan, Municipal and District Assemblies (MMDAs) and that, for me is important. We all know the role the GIFMIS plays in terms of reducing corruption.
Mr Speaker, in 2015, Government was also able to establish the Collateral Registry. We know the role that the Collateral Registry plays when it comes to our banking sector.
Again, Government was able to license the Credit Reference Bureau which is very important. We all know that some of our banks are suffering because of the non-performing loans and it is because of the lack of some of these institutions. In the year 2015, we were able to establish this and it is very important for me.
Mr Speaker, the implementation of the Local Content and Local Participation Bill (L.I. 224) also saw some improvement in the area of recruitment of local content in the oil industry and that is something worth mentioning.
Mr Speaker, in the midst of all these challenges, Government in 2015
did very well in the area of infrastructure. For instance, out of the 40 indicators that were chosen, 58 per cent of them was achieved. In the home sector, out of 55 indicators set, 52 per cent was also achieved.

In the area of human development, productivity and employment, out of 62 indicators, 53.2 per cent was achieved. That, in my view, is something we should be happy about.

Mr Speaker, it is also important to talk about the issue of capitation payment system. When this system was piloted, it raised eyebrows. So many people were not happy with it.

At the Committee level, we were told that that initiative is very helpful and, as we speak, eight regions are now implementing it. In the opinion of the staff of NHIA, it is something Government must look at and ensure that we are able to implement it fully.

Mr Speaker, the Committee made some recommendations and let me just mention one of them, with your permission.

“The Committee also re- commends that the proposed Science and Technology Endow- ment Fund should be established to address the technology gap that constraints efforts to develop the various sectors of the economy.”

It is important that we take technology seriously; without it, we cannot go anywhere. I think that this

House should impress upon Government to be serious with technology. If we do that, we are very convinced that we would achieve most of these indicators that we always set.

Mr Speaker, finally, I would want to call on the House to adopt the 2015 Annual Progress Report on the implementation of the Ghana Shared Growth and Development Agenda II,

2014-2017.

Deputy Minister for Aviation (Mr Kwabena O. Darko-Mensah) (MP): Mr Speaker, I thank you very much for the opportunity to support this Motion.

Mr Speaker, if we take the Report of the 2015 Annual Progress Report on the implementation of the Ghana Shared Growth and Development Agenda II, 2014-2017, and basically, if we are debating it in 2019, then it is an old Report. But I believe that it gives us some food for thought to do our things right going forward.

Mr Speaker, paragraph 6.2 of the Report talks about enhancing competitiveness of Ghana's private sector. If we look at the statistics that they have provided themselves, out of the 22 indicators, only 36.4 per cent achieved slow progress. Clearly, it shows that, they are virtually not doing anything.

Mr Speaker, if we want to reduce poverty in this country, we need to basically create before we can distribute. It is only the private sector that has that capacity to deliver the resources that we need to distribute.
Mr First Deputy Speaker 12:52 p.m.
Hon Minister, do you not think that if we were implementing the true design, we would get better value?
Mr Darko-Mensah 12:52 p.m.
Yes, but Mr Speaker, no matter what we do, the designed value for asphalt is 15 years; that of bituminous surface is seven years but if we do concrete, we would get it for 50 years.
That is the true desired value; the problem you talk about is that people do, maybe, a bituminous surface and when they hand over in one year, within the deferred liability period, the next year we start maintaining it. But if someone does a proper bituminous surface, it is seven years, whether we like it or not.
So, we need to do concrete roads that would cost us 13 per cent more and have it for 50 years than doing an asphalt that would last for only 15 years. That is where my argument is; so, I am not talking about those who do not do the work to specification.
Mr Darko-Mensah 12:52 p.m.


Mr Speaker, I believe that it is important that we look for new technologies so that more people can have roads and this country could save and make more areas productive for the good of our country.

Mr Speaker, with these few words, I thank you for the opportunity to contribute to this Report.

This Report is very good and I believe that we need to keep it and use it to assess --
Mr First Deputy Speaker 12:52 p.m.
Very well. Unless leadership would want to make a contribution, I would put the Question. [Pause.]
Question put and Motion agreed to.
Mr First Deputy Speaker 12:52 p.m.
Yes, Hon Majority Leader?
Mr Kyei-Mensah-Bonsu 1:02 p.m.
Mr Speaker, I understand there has been some resolution so we can go back to item numbered 8.
Mr First Deputy Speaker 1:02 p.m.
Item numbered 8?
Dr Assibey-Yeboah 1:02 p.m.
Mr Speaker, early on, I came under Standing Order 130(1) to take the Bill through a Second Consideration, Stage and I would want to do same once again.
Mr Speaker, I beg to move that the Bill is taken through a Second
Consideration in respect of clauses 3, 4 and 100.
Mr First Deputy Speaker 1:02 p.m.
I thought that discussion of the Second Consideration Stage was suspended and so we are only continuing.
Dr Assibey-Yeboah 1:02 p.m.
Inaudible --
Mr First Deputy Speaker 1:02 p.m.
No, you do not need to make another application.
Dr Assibey-Yeboah 1:02 p.m.
Mr Speaker, I indicated at the time, that I was taking the Bill through a Second Consideration in respect of clauses 2, 4 and 100. We have dealt with clause 2 but now I want to add clause 3 so that we could take the Bill through a Second Consideration in respect of clauses 3, 4 and 100.
Mr First Deputy Speaker 1:02 p.m.
In the absence of any objection to the application, you may proceed. Clause 3. [Pause.] --
Very well. Hon Chairman of the Committee, you may proceed.
BILLS -- SECOND 1:02 p.m.

CONSIDERATION STAGE 1:02 p.m.

Dr Assibey-Yeboah 1:02 p.m.
Mr Speaker, clause 3(2) (b) reads: “regulating the issuance of electronic money, payment instrument, payment service providers and electronic commerce platforms;”.
Mr Speaker, this is not the function of the central bank so we want “electronic commerce platforms” deleted. So we delete all the words after “providers” and “electronic commerce platforms” and then insert ‘and' in line 2 after “instrument”. So clause 2(b) now reads;
“regulating the issuance of electronic money, payment instrument and payment service providers”
Mr First Deputy Speaker 1:02 p.m.
Very well.
Mr Chireh 1:02 p.m.
Mr Speaker, I did not get the Hon Member. He says “. . . and payment service providers” but that is -- Can he please clarify what he means by this amendment?
Dr Assibey-Yeboah 1:02 p.m.
Mr Speaker, I am saying that “and electronic commerce platforms” be deleted from the paragraph. The Bank of Ghana does not regulate electronic commerce platforms. They only regulate the payment systems.
Mr Chireh 1:02 p.m.
Mr Speaker, it appears that he was saying that after that we still put another “and” --
Mr First Deputy Speaker 1:02 p.m.
He said that the last phrase there; “payment service providers” after “instrument” because that is coming towards the end, we insert ‘and'.
Mr Chireh 1:02 p.m.
Mr Speaker, all right. Thank you.
Dr Assibey-Yeboah 1:02 p.m.
Mr Speaker, it now reads; “regulating the issuance of electronic money, payment instrument, delete the comma to read and ‘payment service providers”
Mr Kyei-Mensah-Bonsu 1:02 p.m.
Mr Speaker, I believe that we cannot regulate the electronic commerce platforms. I am saying that rather it is the regulation of electronic money transactions and so we should delete that. However, they are regulating the transactions.
Mr First Deputy Speaker 1:02 p.m.
The directive stands; “regulating the issuance of electronic money”. Is it different from electronic money transactions?
Mr Kyei-Mensah-Bonsu 1:02 p.m.
Mr Speaker, it is because whereas the Bank of Ghana for instance, is responsible for the issuance of the currency, they also regulate transactions as per the Constitution. So, if you are talking about the operation of moneys in the electronic domain, they should be regulating the transactions as well and not only the issuance of electronic money but they should be regulating the electronic money transactions.
Mr First Deputy Speaker 1:02 p.m.
Yes, Hon Minister for Monitoring and Evaluation?
Dr A. A. Osei 1:02 p.m.
Mr Speaker, while I agree with the Hon Majority Leader, I think that electronic money transaction is not defined but the words “electronic money business”
Dr A. A. Osei 1:02 p.m.


which covers transaction is defined. So, if he wants to add that then we should use “and electronic money business” as we did with the Long Title and that will cover what really --
Mr First Deputy Speaker 1:02 p.m.
Yes, Hon Chireh? I would have thought that the issuance of “electronic money is the business” and electronic money business is defined.
Mr Chireh 1:02 p.m.
Mr Speaker, the amendment proposed deleted the words “and electronic commerce platforms” and because of that he moved the “and” to be inserted before the “payment service providers”.
Now, the Hon Member is proposing a further amendment and I am opposed to that because the use of electronic transactions will bring confusion again. This is because there is an Act that the Hon Minister for Communcations has been talking about.
Mr First Deputy Speaker 1:02 p.m.
So, if the further amendment is agreed to, then we are going to have clause 3(2) (b) reading;
“regulating the issuance of electronic money, payment instrument, payment service
providers and electronic money business”.
Is that right? Hon Chairman, are you paying attention? All right. So, the new rendition will be;
“regulating the issuance of electronic money, payment instrument, payment service providers and electronic money business”.
Question put and amendment agreed to.
Clause 3 as amended ordered to stand part of the Bill.
Mr First Deputy Speaker 1:02 p.m.
Clause 4?
Dr Assibey-Yeboah 1:12 p.m.
Mr Speaker, if we could now proceed to clause 4. I beg to move, delete clause 4(3) and insert the following:
“The Payment Systems Advisory Committee shall consist of:
(a) the Governor of the Bank of Ghana or in his absence his Deputy Governor as the Chairperson;
(b) one representative each of the following institutions not below the rank of a director;
(i) National Information Technology Agency;
(ii) Ministry of Finance;
(c) six other members each of relevant stakeholders deter- mined by the Bank of Ghana.”
Mr Speaker, we should further delete “each” in (c) to read 1:12 p.m.
“(c) six other members of relevant stakeholders deter- mined by the Bank of Ghana”.
Mr First Deputy Speaker 1:12 p.m.
Yes, Hon Member for Kunbumgu?
Mr Ras Mubarak 1:12 p.m.
Mr Speaker, I think if these other stakeholders are known, we have to put it in the law. [Interruption.]
I agree, but if they are known, we should spell out which other relevant institutions they are. However, leaving it blanket like that does not sit well.
Dr Assibey-Yeboah 1:12 p.m.
Mr Speaker, we are not leaving it blank. The Bank of Ghana (BoG) would indicate the relevant stakeholders and these evolve over time.
So we have the BoG, the Ministry of Finance, the National Information Technology Agency, and the six other stakeholders which would be determined by the BoG ; but the Chief Executive Officer of these stakeholders would make the nominations.
Mr Kyei-Mensah-Bonsu 1:12 p.m.
Mr Speaker, I would want to believe that my Colleague, the Hon Ras Mubarak, did not mean what he said. He did
not mean blanket but that he thought that we are leaving it blank and not “blanket”. Otherwise, we would bring bed sheets along.
Mr Speaker, but the original provided for six to be appointed by the BoG, maybe, we could go further downstream by qualifying the nominees to be people of the relevant qualifications, competencies and experiences. Maybe, we could tie it into that; six others, at least two of whom should be women.
Mr First Deputy Speaker 1:12 p.m.
Why can we not specify? Who are they; who do we have in mind? Why is it a mystery? Why should BoG be left to determine who the relevant stakeholders are?
Dr A. A. Osei 1:12 p.m.
Mr Speaker, the BoG is quite independent and quite good in terms of international best practices. If you look at the clause, it says “may establish”. I believe they have done enough work that they would know who relevant stakeholders are in the area of payment systems.
That is what it is about. As we speak, all we are doing is to consolidate all the laws and some administrative guidelines that they are looking at. It is not new to them. They know, but we need to give them the discretion to be able to do that. It is not somebody else saying that he is relevant and so should be there.
Given their reputation and the work they do already, I think we should give them the opportunity to appoint the relevant stakeholders. It is Electronic
Dr A. A. Osei 1:12 p.m.


Transaction Act, So the National Information Technology Agency obviously plays a role; and the Ministry of Finance, because it is the sponsoring Ministry. For the rest, in my view, we should give the discretion to appoint. It is normal around the world.
Mr Chireh 1:12 p.m.
Mr Speaker, I support the amendment by the Hon Chairman because that was the problem we had in the morning when he tried to specify the institutions. That is where we run into the technical problem. Now, it appears they have consulted and agreed.
This rendition is what I would support. The Hon Majority Leader was trying to add relevant qualifications. Once it is from stake- holders, the governing rule is that they should be people at director level.
These are stakeholders who have specialised in their areas of endeavour. What the Hon Chairman tried to propose was to solve the earlier problem that was created in the morning when he tried to specify all.
So, it gives room for the BoG to decide who are relevant in this matter. But if he leaves the institutions, some of them might not have any relevance at all in this exercise, but because they have something connected or some activity related to this, they would always attend the meeting. I think we should take the amendment as proposed by the Hon Chairman.
Mr First Deputy Speaker 1:12 p.m.
Yes, Hon Chairman?
Dr Assibey-Yeboah 1:12 p.m.
Mr Speaker, if we could go to clause 100 -- Interpretation.
Mr Second Deputy Speaker 1:12 p.m.
Yes, what of clause 100?
Dr Assibey-Yeboah 1:12 p.m.
Mr Speaker, in clause 3, we deleted “electronic commerce platforms”; it is defined in the interpretation section, and so we would want it deleted from the interpretation section.
Mr Speaker, also, yesterday, we introduced “Ghanaian”, so we would want to define “Ghanaian”.
Mr First Deputy Speaker 1:22 p.m.
You want to define “Ghanaian”?
Dr Assibey-Yeboah 1:22 p.m.
Mr Speaker, “Ghanaian” is defined in the GIPC Act.
Mr First Deputy Speaker 1:22 p.m.
And it is defined in the Constitution. It is very clearly stated in the Constitution.
Mr Kobina T. Hammond 1:22 p.m.
Mr Speaker, he says there is a reason.
Maybe, I should listen to the reason, and then I would come back later.
Dr Assibey-Yeboah 1:22 p.m.
Mr Speaker, Ghanaian, as defined in the GIPC Act, means a citizen of Ghana or a company, partnership or association or body, whether corporate or incorporated, which is wholly owned by a citizen of Ghana.
Mr First Deputy Speaker 1:22 p.m.
How is that different from what is in the Constitution or the Companies Act?
Dr A.A.Osei 1:22 p.m.
Mr Speaker, my understanding is that if you read the law carefully, it allows a corporation like GNPC to partake in this business, but if you read the Constitution, it does not include an organisation like GIPC, so the two are not the same.
We want to make sure that a company like GIPC which is a corporate Ghanaian citizen because it is wholly owned by Ghana can participate in this business. If we do not do that and we limit it to individuals, that would not be the intent.
Mr First Deputy Speaker 1:22 p.m.
What limits it to individuals?
Mr Hammond 1:22 p.m.
Mr Speaker I was wondering. The question of citizenship is defined. The Citizenship Act of Ghana defines who a citizen is. The Constitution makes it clear who a citizen is. The Common Law makes it quite clear what the
citizenship of a company is, so I am not so sure.
Mr First Deputy Speaker 1:22 p.m.
What he read as pertains in the GIPC Act is not different from any of the existing laws in the country.
Mr Hammond 1:22 p.m.
GIPC is a corporation. It is also incorporated -- there are principal laws that define that. There is the definition for the domicile of a company, so I am not sure what they are trying to suggest.
Mr Chireh 1:22 p.m.
Mr Speaker, the Hon Chairman is not even here.
Dr Assibey-Yeboah 1:22 p.m.
I am here.
Mr Chireh 1:22 p.m.
Go to your seat -- [Laughter.]
I do not understand why we want to define “Ghanaian”. The whole of yesterday we talked about citizenship. All the things he has said are in the Companies Act, so what are they going to define “Ghanaian” for? I do not think it is necessary.
If he wants to prolong this Second Consideration Stage, he should be introducing things like this. We do not need to define “Ghanaian”. We know who a Ghanaian is.
Mr First Deputy Speaker 1:22 p.m.
Hon Chairman, at this point, I am presiding: I do not participate in the debate, but I do not see any value addition in the proposed definition of Ghanaian.
Dr Assibey-Yeboah 1:22 p.m.
Mr Speaker we are referencing the Ghanaian as
Dr Assibey-Yeboah 1:22 p.m.


defined in the GIPC Act; in the GIPC Act Ghanaian is defined. So we are lifting the definition as captured in the GIPC Act.

Mr Speaker, respectfully, if you have yesterday's Votes and Proceedings, on page 11, we used “Ghanaian citizen”, and this is what has occasioned this attempt to define, first, Ghanaian citizen and then we realised that what is actually defined in the GIPC Act is Ghanaian. So, unless of course, we want to abandon --
Mr First Deputy Speaker 1:22 p.m.
Wait, what is here is that an applicant shall have at least 30 per cent equity participation of a Ghanaian citizen, and a Ghanaian citizen is already defined in the Constitution, so what really is the issue?
Dr A.A.Osei 1:22 p.m.
Mr Speaker, yesterday we used the word “Ghanaian citizen” without under- standing that the GIPC Act defined it that way. I think we should abandon “Ghanaian citizen” and go back to “Ghanaian” as defined in the GIPC Act. Then it would be consistent with the Constitution.
Mr Ras Mubarak 1:22 p.m.
Mr Speaker, I think, as you have rightly indicated, there is no value addition to defining who a Ghanaian is. There is clarity. If you look at the definition of Ghanaian in the Constitution, there is no ambiguity, so I think the Hon Chairman is sending us on an exercise in futility.
Mr Speaker, I would implore you to make a ruling on this so that we can make progress, because there is clearly a definition of Ghanaian in the Constitution.
Mr Hammond 1:22 p.m.
Mr Speaker, I think what they are struggling with is that they want to borrow a rendition from the GIPC Act of 2013 (Act 865). You would see among the interpretation that there is a definition of “Ghanaian”.
What they are saying is that somehow, yesterday they got themselves in a twist by rather attempting to deal with citizenship rather than Ghanaian. They now want to incorporate this and then go back to where they originally used citizenship, so instead of ‘citizenship' there we would have ‘Ghanaian'. If it is ‘citizen' it would be ‘Ghana'.
Mr Speaker, if they are comfortable with it, provided they make it ‘Ghanaian' and then borrow the constitutional rendition, I guess there is no value added, but it satisfies their curiosity.
Mr Chireh 1:22 p.m.
Mr Speaker, fundamentally, yesterday the debate was very long about this particular thing. They agreed, and it is in the Votes and Proceedings, where they said so. It has nothing to do with the definition of “Ghanaian” again.
Some of you are urging that we should use the definition of GIPC, but what I am saying is that the context of that definition in the GIPC Act may be different from what we agreed on
yesterday. So I think that unless they go back and say that they are also further amending what we agreed yesterday, there is no point in doing this definition, but if they say so, then let us go back and say that what we agreed on yesterday should not be there. Then we can adopt what is in the GIPC Act.
1. 32 p. m.
Mr Kyei-Mensah-Bonsu 1:22 p.m.
Mr Speaker, we should go back to what we were doing yesterday. My Hon Colleague from Adansi Asokwa was not here with us.
Mr Speaker, it has to do with clause 8(4). It reads 1:22 p.m.
“An applicant shall have at least a 30 per cent equity participation of a Ghanaian company”.
We are struggling with whether the company should be wholly owned by a Ghanaian. Eventually, we have come to the determination that what we were struggling to do was still not correct. So, we said that an applicant shall have at least, a 30 per cent equity participation of a Ghanaian citizen.
Mr Speaker, in fact, that itself is a tautology. We cannot have a “Ghanaian citizen”; a citizen of Ghana is a Ghanaian, so we ought to have ended at “Ghanaian”, not “Ghanaian citizen”.
Mr Speaker, the applicant in the first place is a corporate entity, and
we are saying that that corporate entity should have a 30 per cent equity participation of Ghanaians or citizens of Ghana. That is all that we are saying. So, we could end at “participation of a Ghanaian”.
Mr Speaker, at the end of it, we added “citizen”. I must concede; -- we cannot delete -- [Interruption.] Mr Speaker, that is the import of what we did yesterday. We do not even need “citizen” any longer. We could stop at “Ghanaian”. Of course, that would mean going back to propose further a amendment to what we did yesterday to delete “citizen”.
Mr First Deputy Speaker 1:22 p.m.
I have just gone back to read clause 8(1). First, the applicant is a corporate body.
Mr Kyei-Mensah-Bonsu 1:22 p.m.
Mr Speaker, once we do that, we do not even need to define “Ghanaian” because everybody understands who a Ghanaian is. We do not even need to define “Ghanaian” or a “Ghanaian citizen” as we attempted to do yesterday.
Mr First Deputy Speaker 1:22 p.m.
The challenge though is when it comes to corporate bodies, then citizenship is determined by incorporation in the country. So, once a Company is incorporated in Ghana, it is an artificial Ghanaian, so to speak.
A company could be incorporated with 100 per cent foreign ownership, but because it is incorporated in Ghana, it would be Ghanaian. In this case, we want a company, that has a
Mr First Deputy Speaker 1:22 p.m.


minimum of 30 per cent Ghanaian human beings being participants, and that is why we are struggling with this.

In that case, if we leave it at “Ghanaian”, we would not achieve our purpose because a company that is incorporated in Ghana would be an artificial Ghanaian. That is the 30 per cent participation of a Ghanaian; but 30 per cent participation of a Ghanaian could also be a Ghanaian company. We may be caught so, that is why probably a citizen—
Dr A. A. Osei 1:22 p.m.
Mr Speaker, I think the Hon Majority Leader is right that because of what we did yesterday, we need to “reverse ourselves”. But this Ghanaian company business was in clauses 8 and 23.
The Votes and Proceedings has put some information there. which is more serious; we are trying to get rid of it but it says it was debated and agreed. That is not correct. On page 12 of the Votes and Proceedings it is related, and that is why it is important that we do what we are doing now.
Mr Speaker, if we read the GIPC definition, in the end, it goes to define “Ghanaian” and then adds, “which is wholly owned by a citizen of Ghana”. So, we must adopt this particular definition so that we could achieve what we want. “Citizen” must be deleted, but we must define “a Ghanaian” in the interpretation as it is defined here.
Mr First Deputy Speaker 1:22 p.m.
All right, that is the new interpretation in
accordance with the Companies Act. “Ghanaian company” means a company which is incorporated under the Companies act and which is wholly owned by a citizen of Ghana.
In the Votes and Proceedings —
Dr Assibey-Yeboah 1:22 p.m.
Mr Speaker, that was not even agreed to. We should have struck that out when we corrected the Votes and Proceedings. As a matter of fact, that is why we are taking clause 100 through a Second Consideration Stage today. It was not agreed to.
Mr First Deputy Speaker 1:22 p.m.
I want us to be sure; what we want to achieve is that the company that would apply under clauses 8 and 23 would be a company that has, at least, 30 per cent Ghanaian citizen parti- cipation. The danger is that Ghanaian participation could be a company that is incorporated in Ghana and it would be Ghanaian. That is my fear.
Dr A. A. Osei 1:22 p.m.
The GIPC Act -- then we are all right.
Mr First Deputy Speaker 1:22 p.m.
Kindly read the GIPC Act for our follow-up.
Dr A. A. Osei 1:22 p.m.
Mr Speaker, it reads:
“Ghanaian” means a citizen of Ghana or a company, partnership or association or body, whether corporate or unincorporated, which is wholly owned by a citizen of Ghana.”
That is the definition of a “Ghanaian”, and that is the one we want.
Mr Chireh 1:22 p.m.
Mr Speaker, he is emphasising the end of the definition he read. If we look at the definition, it is exactly what you said about the Companies Act. It means that that person could be a corporate body being incorporated or otherwise. The end where it could also be wholly owned by a Ghanaian is still a part. So, his definition is still what we agreed on yesterday.
Dr A. A. Osei 1:22 p.m.
Mr Speaker, he was not listening; I did not read “Ghanaian citizen”; I read “Ghanaian”.
Mr First Deputy Speaker 1:22 p.m.
Now, let us take the definition as espoused here if it would solve our problem.
Dr A. A. Osei 1:22 p.m.
Mr Speaker, “Ghanaian” means as defined here. That is all it says;
“Ghanaian” means a citizen of Ghana or company or partnership or association or body, whether corporate or unincorporated, which is wholly owned by a citizen of Ghana”.
That is what I read, I did not read “Ghanaian citizen”.
Mr First Deputy Speaker 1:22 p.m.
Does that take care of the individual, corporate or even the unincorporated company?
Dr A. A. Osei 1:22 p.m.
Exactly so, Mr Speaker.
Mr First Deputy Speaker 1:22 p.m.
Very well, you may move your Motion.
Dr Assibey-Yeboah 1:42 a.m.
Mr Speaker, the amendment being proposed is to define “Ghanaian”, and that is what the Hon Member read out. To make it sit well, we would delete “citizen” in clause 8.
Mr First Deputy Speaker 1:42 a.m.
Let us do this and go back to clause 8.
Dr Assibey-Yeboah 1:42 a.m.
Mr Speaker, with clause 100, we deleted “electronic commerce platforms” and that has been done.
Mr Speaker, I beg to move, insert “Ghanaian means a citizen of Ghana or a company, partnership, association or body, whether corporate or unincorporated, which is wholly owned by a citizen of Ghana”.
Question put and amendment agreed to.
Clause 100 as amended ordered to stand part of the Bill.
Mr Kyei-Mensah-Bonsu 1:42 a.m.
Mr Speaker, I think that something escaped those who were in the Chamber this morning when we went
Mr Kyei-Mensah-Bonsu 1:42 a.m.


through the Votes and Proceedings. If you look at page 12 of the Votes and Proceedings, the same clause 100 we are now dealing with says an amendment was proposed and a new interpretation was added. I beg to quote:

“'Ghanaian company' means a company which is incorporated under the Company's Act, 1963 (Act 179) and which is wholly owned by a citizen of Ghana”

Question put and amendment agreed to.

Mr Speaker, yesterday, this was at the heart of what turned out to be a controversy, and this Question was certainly not agreed to by the House. As to how it found its way into the Votes and Proceedings as having been agreed to, I cannot understand. I just want to make the point that this was not agreed to.

If it was agreed to, it would mean that we have to go back and proffer another amendment to it. It was not agreed to, so it should not have been part of the records.
Dr Assibey-Yeboah 1:42 a.m.
Mr Speaker, in the same vein, on page 12 of the Votes and Proceedings, item numbered 7 which says “Clause 100, as amended agreed to”, could not have been agreed to. So, both items numbered 6 and 7 on page 12 of the Votes and Proceedings must be deleted.
Mr Chireh 1:42 a.m.
Mr Speaker, because of what we have done by adopting this last definition of “Ghanaian”, it means that in addition to what the Hon Majority Leader and Hon Chairman raised, we should also look at page 11 of the Vote and Proceedings, item numbered 1 which says, “ An applicant shall have, at least, thirty per cent equity participation of a Ghanaian citizen”, so that we could do a comprehensive reconsideration and a correction of the Votes and Proceedings to reflect --
The suggestion earlier was that we needed to change clause 8 (4), so I am saying that, comprehensively, we could take all these. Either we consider them as issues not already agreed on, in which case we could do that --
Mr First Deputy Speaker 1:42 a.m.
Now, what are we doing? Is it a Second Consideration of the Votes and Proceedings? Let us finish with the Second Consideration Stage of the Bill and then we would take those we have considered not to be accurate in the Votes and Proceedings. We should go back to clause 8.
Dr Assibey-Yeboah 1:42 a.m.
Mr Speaker, you would recall that we were at the Second Consideration Stage in respect of clauses 3, 4 and 100. So technically, we are done; but I wish to apply that we take --
Mr First Deputy Speaker 1:42 a.m.
Leave is granted to reconsider clause
8.
Dr Assibey-Yeboah 1:42 a.m.
Mr Speaker, I beg to move, clause 8, subclause 4, delete all the words after “Ghanaian”.
Putting clause 8(4) in the Bill and page 11 of the Votes and Proceedings side by side, we would delete “citizen” in the Votes and Proceedings or all the words after “Ghanaian” in the Bill.
Dr A. A. Osei 1:42 a.m.
Mr Speaker, I do not know what the Hon Chairman is doing. The amendment is part of the Bill, and that is why he wants to delete “citizen”; but he said all the words after “Ghanaian” in the Bill should be deleted.
He has already done that, so I am not sure what amendment he is proposing. Does he want us to go back to what we did yesterday or are we to do what we have to do today? He has to be clear in his mind. We cannot do both.
Mr First Deputy Speaker 1:42 a.m.
Actually, with clause 8 (4), the agreed rendition is as on page 11 of the Votes and Proceedings that:
“Clause 8 - Amendment - sub- clause (4), delete and insert the following:
“An applicant shall have at least thirty per cent equity participation of a Ghanaian citizen.”
Question put and amendment agreed to.
Hon Members, but we want to delete “citizen”, so it becomes “a Ghanaian”.
Question put and amendment agreed to.
Clause 8 as amended ordered to stand part of the Bill.
Mr First Deputy Speaker 1:42 a.m.
Now, which part of the Votes and Proceedings must we correct?
Dr Assibey-Yeboah 1:42 a.m.
On page 12 of the Votes and Proceedings, items numbered 6 and 7 must be deleted. [Pause.]
Mr First Deputy Speaker 1:52 p.m.
I have been advised that during the Corrections of the Votes and Proceedings, some corrections were proposed and made by the Hon Majority Leader, so we do not need to repeat them; but we would need to delete item numbered 7 of page 12 and item numbered 6 on clause 100 in the Votes and Proceedings because it appears that was not agreed to at all.
So, the records should reflect that items numbered 6 and 7 contained in page 12 of the Votes and Proceedings are hereby deleted.
Hon available leader?
Mr Ras Mubarak 1:52 p.m.
Mr Speaker, I would want to ask the procedure we are following in these amendments to the Votes and Proceedings. I say
Mr First Deputy Speaker 1:52 p.m.
Hon Majority Leader, the available Hon Leader on the Minority Side says that we have passed the Corrections of the Votes and Proceedings and have adopted them, so under what Order do we seek to review this?
Mr Kyei-Mensah-Bonsu 1:52 p.m.
Mr Speaker, we are doing two things at this stage and that was why I said earlier -- perhaps, the issue that I raised escaped the attention of Hon Members who were in the Chamber this morning when it came to the consideration of the Votes and Proceedings.
This is because the House never agreed to clause 100 as captured in the Votes and Proceedings, so I drew attention to that.
As regards those of them that we had indeed agreed to as properly
captured in the Votes and Proceedings, we have every right to do a Second Consideration on them, which is what we are doing. We do not need to wait until the Hansard comes out, with respect to Hon Ras Mubarak.
Dr Assibey-Yeboah 1:52 p.m.
Mr Speaker, I would want to draw my Hon Colleague's attention to Order 53(2) and with your permission, I beg to quote:
“By leave of Mr Speaker, the Order of Business set out in the Order Paper may be altered on any particular day''.
Mr Kyei-Mensah-Bonsu 1:52 p.m.
Mr Speaker, what the Hon Chairman of the Committee wants to do with respect to clause 23(f) as captured in the Order Paper -- with regard to what we agreed on, the proper thing was to say that we should delete all the words after “Ghanaian'' and not after “company''. It is “Ghanaian company'' just as we did in clause
8(4).
Mr First Deputy Speaker 1:52 p.m.
I am not aware that clause 23 was one of the clauses for which the Hon Chairman of the Committee wants to be taken through a Second Consideration Stage.
Hon Chairman of the Committee, have you applied to take clause 23 through a Second Consideration Stage?
Dr Assibey-Yeboah 1:52 p.m.
Mr Speaker, I seek your leave to do so
because in taking the Bill through a Second Consideration Stage, I said we would do it in respect to certain clauses, which are 3, 4 and 100; and we later added 8.
Mr Speaker, I seek your leave to take clause 23 of the Bill through a Second Consideration Stage.
Mr First Deputy Speaker 1:52 p.m.
Very well, leave is granted.
Dr Assibey-Yeboah 1:52 p.m.
Mr Speaker, I beg to move, clause 23(7), delete all the words after “Ghanaian''.
Question put and amendment agreed to
Clause 23 as amended ordered to stand part of the Bill.
Mr First Deputy Speaker 1:52 p.m.
Hon Members, having regard to the state of Business of the House, I direct that the House Sits outside the regular Sitting hours.
Is that the end of the Second Consideration Stage?
Dr Assibey-Yeboah 1:52 p.m.
Yes, Mr Speaker.
Mr First Deputy Speaker 1:52 p.m.
Hon Members, we have come to the end of the Second Consideration Stage of the Payment Systems and Services Bill, 2018.
Hon Majority Leader, it is your pleasure.
Mr Kyei-Mensah-Bonsu 1:52 p.m.
Mr Speaker, we could deal with the Order Paper Addendum and lay just two Papers, and go back to respond to the application of the Hon Chairman of the Finance Committee.
Mr First Deputy Speaker 1:52 p.m.
Hon available leader, there is an application to do the Order Paper Addendum.
Mr Ras Mubarak 1:52 p.m.
Mr Speaker, I have no objection.
Mr First Deputy Speaker 1:52 p.m.
Very well.
Order Paper Addendum -- Presentation of Papers.
Item numbered (a), By the Hon Minister for Finance?
Mr Kyei-Mensah-Bonsu 1:52 p.m.
Mr Speaker, if you could allow our Hon Colleague, the Hon Deputy Minister for Finance, to lay that Paper on behalf of the Hon Minister.
Mr First Deputy Speaker 1:52 p.m.
Yes, Hon available Leader?
Mr Ras Mubarak 1:52 p.m.
Mr Speaker, that is all right by this Side of the House. [Laughter.]
Mr First Deputy Speaker 1:52 p.m.
Hon Deputy Minister for Finance, you may lay the Paper.
PAPERS 1:52 p.m.

Mr First Deputy Speaker 2:02 p.m.
Item numbered 5 (b) on the Order Paper Addendum. [Pause.]
Hon Chairman of the Committee, is your Report ready?
Dr Kwabena Twum-Nuamah 2:02 p.m.
Mr Speaker, yes.
Mr First Deputy Speaker 2:02 p.m.
Very well; then you may lay it now.
By the Chairman of the Committee --
Report of the Committee on Health on the Contract Agreement between
the Government of the Republic of Ghana (represented by the Ministry of Health) and VAMED Engineering GmbH of Vienna, Austria under Works known as Engineering, Procurement and Construction of Public Health Facilities in Selected Districts in the Western Region of Ghana under the Mixed Credit Facility Agreement between the Government of the Republic of Ghana and the ING Bank of the Netherlands to finance the “Improving Access to Quality Health Care in the Western Region Project”.
rose
Mr First Deputy Speaker 2:02 p.m.
Hon Ntow, what is it?
Mr Mathias K. Ntow 2:02 p.m.
Mr Speaker, the Hon Chairman of the Health Committee said the Report is ready; meanwhile, the Report is not with us here -- I do not have it. He should tell us if the Report is with him because as far as we are concerned, the Report is not yet ready. So he should not say it is ready. He should have said the Report may be in printing, but it is not ready as we speak now.
Mr First Deputy Speaker 2:02 p.m.
Hon Ntow, I have directed after it was laid that it should be distributed to Hon Members. So if he does not have it to distribute, you would know. The issue as to whether it is ready or not would arise after the debate. So I am sure that by tomorrow, you would get your copy.
Yes, Hon Majority Leader?
Mr Kyei-Mensah-Bonsu 2:02 p.m.
Mr Speaker, we can now deal with item numbered 8 on the Order Paper.
Mr First Deputy Speaker 2:02 p.m.
Very well.
Item numbered 8 -- Motion by the Hon Minister for Finance.
Mr Kyei-Mensah-Bonsu 2:02 p.m.
Mr Speaker, I thought that the grant of the permission that I sought for the Deputy Minister still holds?
Mr Kyei-Mensah-Bonsu 2:02 p.m.
Mr Speaker, so it is for the Hon Deputy Minister to move the Motion on behalf of the Minister for Finance.
Mr First Deputy Speaker 2:02 p.m.
Very well.
BILLS -- THIRD READING 2:02 p.m.

Mr First Deputy Speaker 2:02 p.m.
Hon Majority Leader, it is 2 o'clock now.
Mr Kyei-Mensah-Bonsu 2:02 p.m.
Mr Speaker, I would want to propose that we take a suspension for one hour and come back. During the suspension, we may have a Committee of the Whole meeting to allow for some briefing from the Ministry of Health.
Mr First Deputy Speaker 6 p.m.
Very well.
The House is accordingly suspended for one hour.
2.07 p.m.-- Sitting suspended.

6:00 p.m. -- Sitting resumed
Mr Second Deputy Speaker 6 p.m.
Hon Members, the House is called to order.
Yes, Hon Majority Leader, any indication?
Mr Kyei-Mensah-Bonsu 6 p.m.
Mr Speaker, yesterday, we were to do some winnowing on the Chartered Institute of Bankers (Ghana) Bill, 2018. Unfortunately, because I had some prolonged meeting we could not have the winnowing session.
That being the case, I guess, we may have to take an adjournment now in order for us to go and see what we could do by way of trying to reconcile the various amendments that have been made to pave the way for us tomorrow to handle them smoothly.
Mr Speaker, I should think if we are able to travel fast and far, we would finish by tomorrow. Indeed, because of the promise that we have given to Ghanaians, we also need to bring the matter relating to the Right to Information Bill, 2018, to a closure. That would also mean that we would have to do some winnowing again on the Right to Information Bill, 2018 and
Mr Second Deputy Speaker 6 p.m.
Well, just to remind ourselves that tomorrow is Friday and we know the circumstances of such days. We may need to prioritise for tomorrow so that we do not spend more time on other Businesses, so we could finish the
Right to Information Bill, 2018, and maybe try to work seriously on the Chartered Institute of Bankers (Ghana) Bill, 2018.
Hon Members, in the circum- stances, we would have to adjourn the House.
ADJOURNMENT 6 p.m.

  • The House was adjourned at 6.04 p.m. till Friday, 22nd December, 2019, at 10.00 a.m.