Foroyaa Newspaper Burning Issues
Issue No. 91/2004, 18-21 November, 2004

Editorial

What Is Happening At Ocean Bay Hotel
Insecurity of Tenure
The highest tragedy in current day administration is the lack of job
security. Who would have told all the managers of public enterprises like
Mr Deen, Mr Sylva and co. that they will wake up one day and be told that
they are sacked without any disciplinary procedures entitling them to a
fair hearing? Now the disease of staff attrition is beginning to rip Ocean
Bay Hotel. Insecurity has become the order of the day. Supervisors,
waitresses, waiters, stewards, bar tenders, cooks and drivers are leaving
because of the lack of predictability of the type of management.
It is claimed that many experienced hotel workers decided to come to the
new hotel because of their hope that the Gambian management would have
conviction to motivate the workers to ensure that the investment of their
money would not go in vein. The president also gave the impression that the
hotel would be staffed and managed by Gambians. He has repeatedly
criticised Gambians for not accepting leadership role.
What is strange is that despite all the capable Gambian managers they
preferred to hire a manager from outside. Some felt that the reason was to
free the person from any more influence. This view was shattered when the
General Manager was removed without any explanation given.
Now there are rumours that a manager is to be mobilised from Kairaba Beach
Hotel to establish the same chain link that once was at Kairaba when its
ownership was a matter of speculation.
What we now wish to ask is simple. Is Ocean Bay a public enterprise? If so,
what laws should govern its administration? If the president was not
managing the country according to his whims and caprices the operation of
the hotel would have been in accordance with the requirements of the
constitution. Every public enterprise has a Board.
Section 175 of the constitution states: "The members of the Board of a
public enterprise shall be appointed by the president after consultation
with the Board of Directors and the Public Service Commission."
The president is therefore fully responsible for what is happening at Ocean
Bay. He claims that Gambians do not like themselves and do not give each
other opportunity. Interestingly enough competent Gambians are now being
marginalised from the position of chief executive. To make matters worse
even the chairperson of the Board had been a subject of interrogation which
breeds' insecurity. Does the president really want to promote Gambians of
integrity, competence and sound judgment to handle top managerial posts or
does he want tools who would say "yes" to his every command? The type of
board and management of the hotel in the near future will enable us to
answer this question without any fear of error.


Ocean Bay Chairman Speaks Out
Was the Generator Bought or Borrowed?

When FOROYAA contacted the Ocean Bay Chairman, Mr. Amadou Samba to find out
whether the generator that was taken to Kanilai had been returned he
categorically denied that any generator was borrowed. He claimed that the
generator was paid for the day after it was taken away from the hotel and
there is documentary evidence to prove this.
FOROYAA cannot at this stage deal with the veracity of the Chairman's claim
that the generator was not borrowed but was bought because that is the
issue before the court in the trial of former SSHFC Managing Director,
Andrew Sylva and it would be sub judice to do so. We shall wait for further
revelations at the trial.
Meanwhile Mr. Samba revealed that the cash received was used to order the
same generator from Japan, which he believed had already arrived at the
time of the interview. For the same reason FOROYAA thinks it would be sub
judice to delve into the question why they sold the generator only to buy
the same thing again.
Mr. Samba emphasized that two standby generators each of capacity 750 KVA
were available. One was sold and another of the same specification ordered.


HALIFA ON THE PRESIDENT'S DISCUSSION WITH RELIGIOUS LEADERS

FOROYAA: President Jammeh issued a challenge that no one can legitimately
dismiss his claim to have done more for his country within ten years than
any president in Africa. What do you have to say to this?
Halifa: He added that self-praise is no recommendation when he coined the
Wolof proverb that "Soap cannot clean itself." In my view, one should not
argue with opinions that are not backed by facts. The fact that Gambia is
not producing even a candle confirms the lack of development of the
productive base. Even the rice and sugar given by the President is derived
from abroad. For ten years we have been unable to attain self-reliance in
food production. Last year we exported only 73.7 million Dalasis worth of
goods and imported 4 billion Dalasis worth. Only Gambia had reached the
debt service crisis where 75 % of our annual budget was targeted for debt
repayment that is 1.5 billion Dalasis. In fact, the President had to
apologise for the horrible electricity shortage, which is compounded by
high tariffs. Only President Jammeh can be proud of such a record. Anybody
has the right to look at the sun and call it the moon. He is free to pair
underdevelopment as development. We will leave the facts to indict him.
FOROYAA: President Jammeh criticized the youth in particular and Gambians
in general for not participating in national development but praised the
women for their hard work. Do you agree to this?
Halifa: The President specifically mentioned the fishing sector. At this
very moment I have experienced Gambian youths who have been waiting to join
fishing trawlers for the past 2 years. Many youths are registered with the
seamen unions but are yet to have the opportunity to go on board trawlers.
I cannot understand what the President means. Imagine the number of
students who are enrolled at the GTTI to do construction, welding, auto
mechanics and other subjects relating to the technical field. The President
is far behind time in saying that young people shun technical professions.
Thousands of young people are yearning to be enrolled at GTTI, but do not
have the financial means to pay. Thousands have graduated since UTC came
into being decades ago but many lack the investment capacity to establish
enterprises of their own. Those who are in touch with the realities of the
young people in the country know that they are ready to scratch the earth
for survival. Let the President ask those who are in the construction
industry. Hundreds of youths come to offices like ours to get
recommendation letters to take to employers on a daily basis. This is why
labour is extremely cheap in the country. In fact, one has to look at the
construction taking place on the Brikama / Serrekunda Highway. One finds
very few masons being engaged. There is surplus labour but few people are
being engaged to the maximum to maximize profits. What the President should
say is that labour power is abundant, least engaged and unrewarded because
of the backward economy his government has put in place. He should stop
antagonizing the helpless youths with his unsustainable allegations. These
are just means of finding excuse for the failures of his own government.
FOROYAA: The President said that he is trying to provide electricity supply
for the rural areas and would not intentionally deprive the urban area of
electricity. He accused saboteurs for refusing to provide proper
maintenance of the new generators he has bought. He claims that he had to
restructure the management of NAWEC to deal with the saboteurs. Do you
accept the President's explanation?
Halifa: The President is in charge of the energy sector. He has given up
Agriculture and should fire himself from the energy portfolio. What the
President should tell the people is there is total mismanagement of the
energy sector. First and foremost, he invested heavily on generators but
did not work on the transmission lines, which should transmit the energy
generated to the consumers. We had to take a loan of 500 million Dalasis
from Taiwan to change the transmission lines. One would have thought that
after getting new generators and transmission lines the public would have
regular supply of electricity. This did not happen. The public enquired and
were told that fuel prices have increased and NAWEC was unable to meet the
fuel cost. This led to increase in tariff by almost 100 %. Despite the high
cost of electricity the supply is still erratic. What the public wants from
the President is acceptance that his government lacks the competence to
manage such a major institution. One wonders why he has not utilized the
supernatural powers of the Malian magicians to discover the saboteurs if
they really had such powers.
What the President should do is to make an inventory of the number of
people who are currently the customers of NAWEC and make a hypothetical
calculation of the amount of money that should accrue to the institution
annually, calculate the generator cost and determine whether NAWEC is
viable or not. In our view, the customers are paying the highest cost of
electricity ever but are receiving the poorest service ever.
FOROYAA: The President warned that people should take what belongs to them;
that he is doing all the cleaning up exercise for the good of the nation.
What do you have to say to this?
Halifa: I have the conviction that a system which lacks transparency and
accountability can never succeed in controlling corruption. The seed of
corruption is the byproduct of the personalization of power. What we are
seeing regarding the ultimate fiasco associated with the YDE, Millennium
Airlines, the Central Bank and so on are just the fruits borne by the
personalization of power. He started with the claim that there was an
Allah's World Bank, which provided resources for the development of all
infrastructures instead of telling the public that loans were being taken
to finance infrastructural development. This personalization of power is
still the order of the day. It is manifested by the statement issued by the
Director of Press at the President's office when he told the Press to
receive the gift of rice and sugar without asking for the source. This gift
has been allocated to all sectors of society and everyone simply praises
the President but no one knows where it is coming from. This has given rise
to speculation. Many ask where the President can get the money to provide
all these gifts. For example, it was announced that he gave D40, 000 and
two bulls to the religious leaders. This should amount to over D60, 000.
Everyone knows the income of the President derived from the state. This is
why many will wonder where the gifts are coming from. If there is no
explanation then how can one be convinced that they are from his legitimate
earnings? The first task of a state is to establish a proper auditing
system to ensure that its annual statements of accounts are properly
audited. Since the APRC came into being it has been unable to present an
annual audit report of the statements of accounts of the government. It is
also the duty of all elected representatives to declare their assets. We
will wait and see what the President is going to declare before standing as
a Presidential candidate in the next election. We will demand that all
these declarations be made public so that people will be able to gauge
whether he truly has the type of investment that would enable him to give
the type of gifts being dished out. The office of Ombudsman is empowered to
receive declaration of assets by public servants every two years. This has
never been the practice even though now a commission of inquiry is
established to look into the assets of those public servants by
presidential decree. Power is personalized. That is the major defect of the
system of governance in the country. Everything is waiting for one person's
command. This does not spell efficiency and good governance.
FOROYAA: The President said that the position of Imamship is God ordained;
that some refused to concede to leadership. He argued that the position of
Imam Ratib is a national position in that he is like the President of Imams
of The Gambia. He also mentioned that his government will install the Imam
Ratib and gave a copy of the Quran and two praying mats as gifts. What do
you have to say to this?
Halifa: His comments went too far. When there is division and there are
attempts to heal wounds you do not make new allegations that some are
creating difficulties. A post that each is entitled to belongs to all. What
is important is to establish an honest, just and transparent way of
selecting the occupant based on the fundamentals of a faith or the
principles of an organization. There was no need for the President to give
a diagnosis of the problem. He should have simply acknowledged the
developments so far and leave the religious leaders to work on how to heal
their differences based on the fundamentals of the Islamic religion.
One fundamental mistake he made is to politicize the function of Imam Ratib
by equating his position with that of a President. Such dynastic notions
can only promote power rivalry. Faith is the power behind religion not
post. The religious leaders should take charge of their own destiny and be
ready to work with any government that the members of their congregation
decide to put in office in a free and fair election. They should be able to
distinguish that the seat of government belongs to the people.
Representatives come and go while religion and the seat of government
remain. It is therefore necessary for religious leaders to be able to
distinguish the seat of government and those who occupy the seat
periodically in accordance with the will of the people. I am confident that
Gambians generally see religion as the depository of the moral values of
humanity. This gives religious leaders tremendous clout, which has to be
respected and recognized by all governments. What religious leaders should
bear in mind is that the congregation behind them do not subscribe to one
political party or idea. They should appreciate the respect accorded by
government without endorsing all their actions in public. They may express
their own personal convictions when they are speaking for themselves alone
and not the members of their congregations. If they adhere to this they
will continue to earn the respect of all governments, which come into
office.
FOROYAA: President Jammeh indicated that he does not have any evil
intention against even his opponents; that the position of President can
only be occupied by one person at a time; that those who want to occupy the
position should not create difficulties for others occupying it but should
work in the interest of the nation until God puts them in the position.
What do you have to say to this?
Halifa: There are two elements to consider in President Jammeh's speech.
The first element is a change in his comments regarding opponents. We have
always maintained that the people own the country. Who then should lead the
country? The answer is simple. All those who own the country should decide
who should lead them. This is what democracy is all about. Each leader is
capable of misrepresentation. Where there is misrepresentation there must
be possibility of rectification. This cannot be unless there is an option.
This is what legitimizes the establishment of opposition parties. They are
alternative governments in waiting. A genuine democratic society should
have a responsible government and where it fails to be responsible an
alternative should be in place to provide the people with a choice. Any
leader who does not want to be a facist would have to give respect to his
or her opinion and expect the same in return.
Secondly, the President refuses to acknowledge that the people are
responsible for putting him in office. He is constantly perpetuating the
anachronistic, discredited and monarchical doctrine of the divine right to
rule. Even common sense cannot accept this notion. In short, where there is
the right to choose the person has the free will to make things happen. For
example, a farmer has the right to choose between a good seed and a bad
seed. If he or she chooses a bad seed it would be dishonest and immoral to
accuse God of making him or her choose a bad seed. This is entirely left to
his or her good judgment and free will. The same principle applies in
selecting a good leader or a bad leader. It is a matter of good judgment
and free will.


FONI KANSALA CHIEF AND NAM CASE NOT ENTERTAINED
By Surakata Danso

The case of the Foni Kansala Chief, Mr. Momodou Lamin Nyassi, the National
Assembly Member, Kawsu Gibba and members of the constituency executive was
not heard by Magistrate Mboto on grounds of jurisdiction on Friday 12th
November 2004. It could be recalled that the Chief and the members of the
constituency executive were arrested by members of the State Guards of
Kanilai for stealing 100 bags of rice from the Ramadan rice and sugar gift
donated by President Jammeh. The accused persons denied the allegations,
noting that they simply sold 100 out of the 2000 bags to raise the D40, 000
needed to transport the rice to Bwiam.
According to reports, a day after the completion of the distribution on
Monday 8th November 2004, one Corporal Bojang with some members of the
State Guards from Kanilai came to Bwiam to say that they received
information of theft against them regarding the Ramadan gift. The Chief and
others were arrested and taken to Kalagi Police Station where they claimed
to have spent the night without food even though they spent the day
fasting. The reports further claimed that early in the morning the
following day they were taken to the east of Mile Two Central Prison known
as Maximum Wing where they were each taken into a cell; that this was from
Tuesday the 9th to Thursday the 11th November when they were moved to the
Serious Crimes Unit of the Police Headquarters following their charge and
appearance before the court on Wednesday, the 12th November 2004; that
while at Mile Two on Thursday before they were moved to the police they
were joined by their NAM , Kawsu Gibba. The accused persons continued their
detention at the police even after the dismissal of the case by the court.
At the time of going to press the accused were still detained by the police
in contravention of the constitution.


Another By-Election

By-elections have been quite frequent in The Gambia this year. Three have
been held so far this year and a fourth one is scheduled by the Independent
Electoral Commission (IEC) to be held on Thursday, 30th December. This time
it is the vacant seat of the old Jeshwang Ward in the Kanifing Municipal
Council that is to be contested.
The returning officer will receive nomination of candidates at the IEC
office in Kanifing on Monday, 13th December 2004.
The past three by-elections were contested between candidates backed by the
Coalition and APRC sponsored candidates. The APRC lost the first two but
won the last one.


CONDEMNED EGGS DESTROYED
By Surakata Danso


On Thursday the portion of the condemned eggs unfit for human consumption
and the balance of the consignment left in the warehouse were destroyed
publicly at the Bakoteh Dumpsite. The destruction, which was conducted by
Public Health Officers under the leadership of Mr. Darboe of the
Environment and Safety Section of the Public Health, was graced by members
of the police, NIA and the press.
Speaking earlier Mr. Darboe indicated that with proper mobility for the
members of his staff they will follow up the eggs nationwide and all other
functions of public health issues. Mr. Darboe acknowledged that public
hygiene is key to proper health. He called on the health authorities to
look into the mobility issue of public health officers to enable them
function better. He also called on all those living in The Gambia to
support and co-operate with the public health inspectors, noting that with
the proper functioning and cooperation of the public, a lot of bad health
issues, e.g. diseases will be under control.
Speaking at the site, an old man, Ebou Sisay pinpointed at some sanitary
and health issues such as sewage flowing at backyards and on the roads and
the sale of items, both imported and locally produced. He also called for
the setting up of a food inspection laboratory in order to enhance the
spread of certain diseases. He opined this to be long over due considering
that Gambia is nearly 40 years old.

The Paul Commission
By Abdou FB Boye

Monday 8th November 2004
TESTIMONY OF MOMODOU JAGNE
Testifying before the Paul Commission on Monday 8th November 2004 the
Managing Director (MD) of Gambia Public Transport Corporation (GPTC), Mr.
Momodou Jagne said that he was appointed Managing Director of GPTC on the
1st October 2003; that in 1994 when he was at the Gambia Airways, he was
paid D7, 948.16; that when he was at the Gambia International Airline
(GIA), he was paid D4, 544.00; that as Director of Corporation and
Technical Services he was paid D11, 007.00 net salary and finally as
Director of GPTC he receives D14, 497.00 gross salary monthly.
Mr. Jagne added that in his IBC savings accounts he saves his pension and
board allowances. He said that his pension is D693.00 and board allowance
as D500.00; that in November 2003 he was paid D4, 000.00 as gratuity by GIA
when he retired; that when he returned from studies in the USA he came with
nothing less than $50, 000.
Mr. Jagne admitted benefiting from loans at IBC since 1994 to date and also
a building loan of D300, 000.00 and D90, 000.00 as building and car loan
respectively from the GIA in 2001. He said he bought a Mercedes Benz car
190 with registration number BJL 9088A from the loan; that he later sold it
for D45, 000.00 and bought another Mercedes Benz 190 with registration
number BJL 7788B. He said his wife also accessed a loan from her work
place, GIA for her own property at Kanifing Housing Estate allocated to her
in 1989 by the Social Security and Housing Finance Corporation (SSHFC).
Asked whether he is maintaining somebody's education in or outside The
Gambia, he answered in the positive; that he maintains his children's
education, but in The Gambia. He immediately furnished the commission with
their (children) names, schools they attend and fees paid per term.
Mr. Jagne said that apart from his Wellingara property, which was given to
him by the late Alkalo in 1978 and was leased in 1984, he did not have any
other one.
Mr. Jagne denied making any financial contribution towards the renovation
of their Kaur family property. He explained that the property was renovated
by his younger brothers now are in the United States whom he had brought up
and whose schooling he had paid for. He told the commission that they
(brothers) told him that he (Jagne) can rest, they (brothers) will take
care of the family, and to which he responded, " they (brothers) are doing."
Continuing his testimony the GPTC MD told the commission that he started
developing his Wellingara property in 1999 and had spent D600, 000.00 on
the building, but said it is not yet completed. He denied making any
financial contribution towards is spouse's property in Kanifing. He
revealed that he is banking with the Arab Gambia Islamic Bank (AGIB), Trust
Bank, Standard Chartered and International Bank for Commerce (IBC). Mr.
Jagne said that when he was coming to the GPTC he found few vehicles for
the transportation of the general public.

TESTIMONY OF PETER TOURAY
The second witness to testify on this day was one of the Principal Revenue
Collectors at the Customs and Excise Department, Mr. Peter Touray. He told
the commission that he was appointed to this post on the 1st January 2004
and is paid Grade 10 level equivalent to D35, 624.00 per annum. He
explained that his net salary is D2, 952.00 plus D6000 allowance.
Mr. Touray said that his Kotu East property was a government allocation,
but that he has mortgaged it to one Mr. Alieu Jallow at D20, 000.00 in
1995; that he cannot provide the document to the commission and does not
remember how much he had put into that property, but valued the property at
D6, 000.00
Mr. Touray promised to provide receipt for his DS TV but said that he could
not provide receipts for most of his assets. He told the commission that
his generator cost him D2,500.00; that he has a Nissan Sonny car that cost
D60, 000.00 that was shipped to him by his cousin in Germany. Mr. Touray
added that he has a current account at IBC since before 1994.
Mr. Touray admitted making savings of 1, 500 Pounds from his UK trips and
spent his per diems on family affairs.
Mr. Touray finally told the commission that, "My revenue collection is
superb", because he used to collect about D100 million in a month.

Sitting of Tuesday 9th November 2004

TESTIMONY OF BALLA MUSA CHAM
Appearing before the commission, Mr. Balla Musa Cham, the Chief Executive
Officer (CEO) of Brikama Area Council (BAC) said that since 1998 he was at
his current position up to now; that by 1998 he was paid Grade 11; that in
2002 he was moved to Grade 12 equivalent to D4, 468.00 monthly salary; that
he also receives D1, 000 as responsibility allowance starting this year.
Mr. Cham said he is a board member of Bottrop Senior Secondary School and
that he receives D400.00 as sitting allowance; that he is also a board
member of the Gambia National Lottery (GNL) and receives D1, 200.00 monthly
as sitting allowance; that he sits on the Land Administration Board and
Planning Committee and receives D500.00 from each board meeting monthly, as
member.
Mr. Cham denied having any property that he is renting.
Mr. Cham admitted having a savings account at the Standard Chartered Bank
and the International Bank for Commerce (IBC).
Mr. Cham acknowledged making savings from his official trips per diems, but
said that he used it on his family; that he has properties at Kololi, Kotu
East and Lamin Village. He said his Kotu East property was allocated to him
in 1992. He said he started developing it in 1993 and completed the
building this year (2004), but did not know how much he invested on this
building because he was not recording it. He told the commission that he
built the property through his own income and support from family members;
that his Lamin property was given to him by the then Chief of Kombo North
in the 80s; that from 1999 to 2003 he converted his Kololi property boys'
quarters to shops; that his Kololi property was bought in 1983. Mr. Cham
said that he has a child who has a property in Brufut. He admitted
supporting him (son). He also told the commission that he is supervising
his nephew's buildings by the name Balla Musa Cham whose property is
located at Sanchaba Sulay Jobe. Mr. Cham denied having any private car
since 1994 to date, but that his wife has her own private car, which he
said, was bought in 2000. He denied making any contribution towards the
purchase of the wife's car. He said since 1994 to date he receives his
monthly salary over the counter.
The Brikama CEO revealed to the commission that he has many family members
staying abroad who financially support him and he used some of the money to
maintain his IBC savings account and his other sources of income; that he
has five (5) children in Europe who are working, but the daughter is
studying. Mr. Cham gave the commission a very long list of his nephews and
niece's names, countries of residence abroad, who do normally assist him.
Continuing his testimony the Brikama CEO said he is entitled to 90 Pounds
per day during his official trips; that he met a person by the name Mr.
Larry at his office and was introduced to him by the then Council Chairman;
that Larry was a guest invited by the then Chairman for the Council without
the consent of the Council; that the former Treasurer, Bakary Badjie and
the current Financial Director, Fafa Kuyateh never reported to him any
financial mishandling of Council funds.
Mr. Cham revealed to the commission that after the report of investigation
(audit report) on the scandal of financial mismanagement of the Council's
funds last year by some of their (Council) revenue collectors, the Council
now has an internal auditor, adding that those who were involved have paid
the money back to the Council's coffers. He said prior to his current
position at the Brikama Area Council, he was at Janjangbureh and Kuntaur
Area Councils between July 1994 to August 1998.

TESTIMONY OF WILFRED JAMES JOHNSON

The second witness to testify was Mr. Wilfred James Johnson who said that
by July 1994 he was the Senior Collector at the Head Office and was
transferred to the Airport; that in January 1998 he was promoted to
Principal Collector and earned D3, 322.00 as basic salary; that he also
receives processing fees of D6, 000.00, residential allowance of D350.00
and car allowance of D500.00. Mr. Johnson said that his Kanifing Estate
property was a Social Security allocation in 1990 and he started developing
it in 1991. He added that he is still servicing the loan. He also told the
commission that the Lamin Village property was owned by his late father and
after his demise his mother administered it. He denied owning any property
in Banjulunding.
Continuing his testimony, Mr. Johnson said he bought a Peugeot 406 at D35,
000.00 in 2001; that he has a current account at IBC and denied any cross
banking system with his account and wife's account. He also admitted
benefiting from a loan from the International Bank for Commerce (IBC).
Mr. Johnson revealed to the commission that he is the head of Customs at
the Airport and he has been there for the past three (3) years. Mr. Johnson
said that his Opel car was purchased before 1994 and is now not functional
(and parked) at the garage.
Wednesday 10th November 2004 sitting

TESTIMONY OF JUNKUNG BAYO
Testifying before the Paul Commission, the former General Manager of the
Central Bank of The Gambia, Mr. Junkung Bayo said that by July 1994 he was
the Internal Audit Manager; that between the 11th of October 1994 - the
15th October 1998 he was the General Manager; that when he retired in 1998
to date he is engaged in small farming activities and has a restaurant at
Manjai Kunda; that as Internal Audit Manager, he was paid Grade 11 and
Grade 12 as General Manager; that as General Manager he was paid D6, 688.80
per month. Mr. Bayo admitted sitting to the IBAS board meetings as Chairman
for nothing more than one year and received D300.00 per sitting in 1994
before his General Manager position.
Continuing his testimony, Mr. Bayo said that he receives rents from his
Manjai Kunda and Kotu Layout property at D80, 000.00 per annum. Mr. Bayo
denied selling any property or land during his tenure of office; that he
has a farmland at Bata Kunku in Tujereng; that in 1997 he earned D10,
000.00 from his farmland.
The former CBG General Manager said that in 1996 he sold one of his old
Mercedes Benz at D25, 000; that he does not have any share from any bank or
company and does not engage in treasury bills. He admitted having a fixed
deposit account at the Standard Chartered Bank (SCBG) when he was a
student. Mr. Bayo acknowledged benefiting from a car loan at the Central
Bank in 1998 at about D150 - 154, 000.00 which he is still servicing. He
further said that when he was leaving the Bank he was paid gratuity of
D201, 956.00 and D138, 134.00 by the Social Security. Asked why he didn't
pay the Bank when he was leaving since he could have done it, Mr. Bayo
replied, "It was not my wish to do so." He admitted making 20 - 25 %
savings from his official trips per diems. Mr. Bayo denied maintaining
anybody's education outside the country but that he maintains those in The
Gambia during his tenure of office. He was given a piece of paper to write
down his children's names, schools they attend and fees paid per term,
which he did.

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