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Aruba cu 6 miyon na debe, fayo di 227 Miyon den crisis mundial

Black Immigrant Daily News

The content originally appeared on: Diario

Atrobe e structura di entrada di empleado publico ta bini dilanti

*Ripiticion di mitar BBO pa haya voto, lo costa futuro di Aruba

*Personal sector priva no por paga pa privilegio aparato publico 

ORANJESTAD (AAN) — Empleado publico no ta e unico trahador of instancia cu a sufri perdida na man di e crisis mundial, cu a afecta entrada di pais y hende.

DIARIO tabata sumamente contento ora luna pasa a wordo anuncia cu e empleadonan publico lo a recupera un parti di e placa cu nan no a ricibi na 2022 y cu na 2023 e resto lo wordo poni atrobe riba nan salario.

Un promesa sumamente alentador pasobra esey ta nifica cu e empleado publico por haci mas gasto cu lo beneficia comercio y finalmente beneficia e caha di belasting di Aruba.

E pregunta grandi ta, si den e situacion mundial actual, Aruba por alcansa compromisonan financiero cu resultadonan pa e pais y tur pagador di belasting.

E bienestar nacional di Aruba ta wordo sirbi? Esaki ta e contesta cu mester por wordo duna na e pais cu na e momentonan aki ta den un situacion financiero sumamente peligroso.

Pa cuminsa situacion financiero di un pais ta depende di e trankilidad mundial y nacional, cu no ta presente na e momentonan aki.

Mundo ta na guera y te awe ningun hende ta na haltura kico lo pasa finalmente. Un cos ta sigur, paisnan grandi ta trata di haya solucion pa nan situacion den un caos mundial total y ta evita di hinca nan mes den compromiso.

Politica populista ta uno di e pio enemigonan di futuro di Aruba na e momentonan aki.

Sindicatonan cu ta dirigi trahadornan, cu den e gran mayoria di caso, a bay bon school, ta na haltura cu nan ta exigi placa cu no tin.

Aruba no por ripiti e wega politico di deshaci di mitar BBO pa haya voto. Aruba na e momentonan aki no por duna su empleadonan mas compensacion, mientras Aruba ta den un situacion serio.

Nos ta aplaudi cu turismo ta yuda Aruba na e momentonan aki tene su cabez riba awa. Ta lubida, sinembargo cu turismo ta un industria sumamente peligros y cu ta basha abou pa cualkier movecion inespera na mundo.

Den e realidad mundial, turismo ta keda algo pa sigui di dia pa dia ya cu guera y terorismo ta algo cu mas ta impacto turismo.

E situacion financiero mundial tambe ta di preocupacion cu medidanan general cu gobiernonan a introduci pa frena inflacion pero tambe pa mira con ta landa den un lama sumamente bruto di incertidumbre total, cu ta enemigo di economia y bienestar financiero.

Ta keda tambe un parti moral. E trahadornan di Gobierno ta atende cu Gobierno di acuerdo cu un structura di compensacion pa cual nos tin basta tempo ta adverti.

E hecho cu Gobierno ta consisti di politiconan cu mester haya voto, ta haci cu ta dificil pa Gobierno introduci medidanan, cu trahadornan den sector priva si conoce.

Cuanto trahador den cuanto empresa a haya aumento di salario ultimo tempo? Cuanto trahador den cuanto empresa ainda ta biba cu un salario reduci? Cuanto trahador den cuanto negoshi, ta haya nan retiro?

E grupo mas grandi di trahador cu mester paga belasting, ta den un situacion mucho mas penoso cu e trahadornan di Gobierno, cu por baha di poder loke den empresa priva no ta posibel.

Aruba ta den un situacion sumamente critico. Falta 227 Miyon pa cera presupuesto, cu ta calculacion di gasto y entrada. Aruba tin un debe di 6 Biyon pa paga.

Mientrastanto kico ta e gastonan nobo cu por bati na porta di Aruba? Sumanan nobo pa confronta Monkey Pox y Polio? Sumanan nobo pa cualkier calamidad cu pasashi di un ola tropical por trece cune?

Cuanto placa Aruba ainda por perde si e situacion mundial actual continua y afecta turismo y afecta economia nacional?

Na 2009 Aruba a wordo entrega na fayo, na kiebra di su futuro. Awe mester ripiti e wega pa politiconan haya voto?

Si Aruba tin tanto debe, con e por paga reparatietoeslag na ambtenaarnan mientras den sector priva empleado pober no sa cuanto tempo mas cuminda lo subi mesa?

E forma pa deshaci di e imperialismo di e aparato publico ta, pa revisa e leynan cu ta dicidi riba entrada di trahadornan di gobierno.  Pero cual politico lo hacie si e tin chens di exigi hopi voto?

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Gobierno a contesta Sindicatonan cu den 2023 sigur lo paga e resto di 7.6%

Black Immigrant Daily News

The content originally appeared on: Diario

ORANJESTAD (AAN): Diabierna 5 di augustus, Gobieno di Aruba, den un carta, a ricibi un peticion di sindicatonan di empleadonan publico

pa por haya e toelage di augustus tambe completamente paga. Gobierno, riba e mesun dia y mesora a contesta e carta aki na unda cu Gobierno ta ripiti su posicion riba esaki.

   E palabracion ta cu pa aña 2022, Gobierno a presupuesta pa paga 5% y pa aña 2023 lo paga e resto esta 7.6% cu ta inclui e toelage di augustus tambe.

  Prome Minister Evelyn Wever-Croes den e carta a ripiti locual dia 14 di juli a splica sindicatonan extensamente den un reunion. Prome Minister a splica nan cu Gobierno lo bay haci tur posibel pa paga e 5% pa 2022 y e 7.6% pa otro aña. Sindicatonan a haci pregunta riba con Gobierno lo haci e pago y tabata tin intercambio di idea y sugerencianan.

   Sindicatonan e expresa con importante e suma aki ta pa e empleadonan y den nomber di Gobierno, Minister President a compromete di percura cu e 5% worde paga na fin di juli, cual el a cumpli cu ne tambe; y e restante 7.6% lo worde paga den 2023.

   Prome Minister a enfatisa cu e 5% cu a presupuesta pa juli 2022, ta un suma di 10.7 miyon Florin pa ambtenaar y pa e ‘gelijkgestelden’. Y pa esnan cu ta traha pa fundacionnan cu ta worde subsidia pa gobierno, e suma total ta 7.5 miyon Florin. Esaki ta un total di 18.2 miyon Florin. Den contesta di Gobierno na e sindicatonan, a remarca tambe cu e pago di e 5% aki, no a bay facil. A tuma hopi esfuerso y contratiempo pa realisa e pago aki y te ainda tin discusionnan cu Hulanda riba e tema aki.

   Den e carta cu sindicatonan a manda, nan ta menciona cu turismo ta recuperando. Prome Minister a indica cu di berdad turismo ta recuperando na un forma hopi importante pero pa e aña aki turismo ainda no a yega na e nivel di prome cu e pandemia. E proyeccion di cifranan ta indica cu turismo lo recupera completamente comienso di 2023. Economia lo recupera den curso di 2023 pa 2024. Y despues di esaki, finanzas publico di Gobierno lo ta recupera.

   Prome Minister a duna di conoce cu e presupuesto cu Parlamento a aproba pa e aña aki, tin un deficit di 227 miyon Florin. Esaki combina cu un debe di como 6 biyon Florin, no ta duna espacio aworaki, pa banda di e 5% cu a worde paga fin di juli, duna e reparatietoeslag di augustus tambe completo.

   “Mescos cu mi a splica e sindicatonan dia 14 di juli, mi ta spera di por conta riba nan comprension un biaha mas pa nos sigui cu e trayecto manera indica”, Prome Minister a finalisa bisando.


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Accident mortel de bateau à Fort-de-France : « Un terrible gâchis, il avait un avenir très prometteur ! »

Black Immigrant Daily News

The content originally appeared on: Martinique FranceAntilles

 Sébastien Gintz, gérant du Batelière Beach Club, a appris avec surprise et peine le brusque décès de l’un des membres de son équipe, Chris Artigas, décédé accidentellement en baie de Fort-de-France.

 Le décès  de Chris Artigas survenu jeudi lors d’un accident de bateau en marge du Tour de Martinique des yoles laisse des proches, connaissances et collègues sous le choc.

Le jeune homme travaillait à un poste clé du Batelière Beach Club. Sa disparition peine les équipes, et pour lui rendre hommage, le restaurant est resté portes closes vendredi. Le BBC a informé sa clientèle de cette fermeture sur le réseau social Facebook : « Nous vous informons de la fermeture exceptionnelle du restaurant…


franceantilles.fr

344 mots – 08.08.2022

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Deux magasins totalement détruits par les flammes à Acajou

Black Immigrant Daily News

The content originally appeared on: Martinique FranceAntilles

Un feu important s’est déclenché hier, vers 6h, dans un bâtiment de la zone d’Acajou au Lamentin. Les commerces MicroForce et Hifi Car sont ravagés. 

Deux magasins totalement détruits par un incendie. Hier matin, un feu générant une épaisse fumée noire, s’est déclenché vers 6h, à la zone d’Acajou, au Lamentin. Il a totalement ravagé les commerces MicroForce (informatique) et Hifi Car (matériel hifi pour voiture). 

Selon le lieutenant Albert Gabet, l’officier de permanence des pompiers sur place, le feu a démarré au rez-de-chaussée d’un bâtiment en tôle avec des rideaux métalliques. L’incendie a mobilisé des moyens conséquents, avec…


France-Antilles Martinique

365 mots – 08.08.2022

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Salud reporta 389 hospitalizaciones por COVID-19

Black Immigrant Daily News

The content originally appeared on: Radio Isla TV

El informe preliminar de COVID-19 del Departamento de Salud (DS) reportó el lunes 389 personas hospitalizadas.

El total de muertes atribuidas es de 4,812.

Hay 338 adultos y 48 menores hospitalizados. Este monitoreo cubre el periodo del 23 de julio al 6 de agosto de 2022.

La tasa de positividad está a 34.31 por ciento.

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Pacientes del Hospital Universitario pasan cesáreas con “Tylenol” por falta de luz

Black Immigrant Daily News

The content originally appeared on: Radio Isla TV

Una paciente del Hospital Universitario que prefirió permanecer en el anonimato, denunció en RADIO ISLA que hay otras que “están pasando las cesáreas con Tylenol” debido a que el sistema de distribución de narcóticos “se cayó” por la falta de energía eléctrica.    

El Hospital Universitario del Centro Médico en Río Piedras está sin luz desde el mediodía de ayer, 7 de agosto. La paciente, quien está embarazada, afirmó que la luz se fue por completo a eso de las 2 de la tarde. Esa agregó que no hay aire acondicionado, los ascensores no funcionan y que tampoco hay luz en los cuartos. 

Pendientes a RADIO ISLA para más información.  

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Motorrijder op slag dood na botsing met truck

Black Immigrant Daily News

The content originally appeared on: De Ware Tijd Online

PARAMARIBO — De 42-jarige motorrijder Robert Mertokasiman is komen te overlijden na een frontale botsing met een Daf-truck. Dat gebeurde zaterdagmorgen. Onderzoek

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Inheemsen maken zich klaar voor strijd tegen overheid

Black Immigrant Daily News

The content originally appeared on: De Ware Tijd Online

‘We hebben te veel toegelaten en toegestaan’ Tekst en beeld Jason Pinas WIT SANTI – Inheemsen uit verschillende delen van

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Doing business in St. Maarten: bottlenecks and solutions (part 2) – StMaartenNews.com – News Views Reviews & Interviews

Black Immigrant Daily News

The content originally appeared on: StMaartenNews

2. Getting credit

PHILIPSBURG — Establishing a business in St. Maarten is an at times an expensive road littered with stumbling blocks. The Ministry of Home Affairs and Kingdom Relations and the Ministry of Economic Affairs, Tourism, Transport and Telecommunication commissioned a report to assess the local business climate, identify bottlenecks and recommend solutions. The report is produced by the Foundation Economic Research (SEO), the Economic Bureau Amsterdam (EBA) and Tackling Law.

Read Part 1. The Licensing System online here>>>

In this second episode in a series of articles based on the report we take a look at the troubles entrepreneurs encounter when they attempt to get credit for the establishment of a new business or for the expansion of an existent one.

Getting a loan to do something productive in the private sector should be easy. Right? Unfortunately, in St. Maarten it isn’t. Interest rates are high, collateral-requirements at times impossible and the confidence of banks that they will ever see their money back is low. Combine that with a lack of knowledge and skills among (starting) entrepreneurs and you have the perfect recipe for an economic disaster. But it does not have to be this way.

Let’s first examine the problems entrepreneurs in search of credit encountering on a regular basis.

According to the report, banks are reluctant to extend credit because they lack credible information about the creditworthiness of loan applicants. Firms often do not have a solid financial administration and they lack annual financial reports. And then there is this issue: many entrepreneurs lack basic financial and business expertise to start or run a small firm.

Related article: Minister Ottley launches training program for aspiring entrepreneurs

Banks are also wary of requirements to combat money laundering and the financing of terrorism. While the Central Bank only has two requirements for opening a bank account, banks often add unnecessary and superfluous rules that set the bar too high for a starting entrepreneur.

While the rest of the world has gone full-blown into electronic payment systems, St. Maarten lags behind: it is not possible to receive international payments using common e-payment solutions with a St. Maarten bank account. “St. Maarten is regarded as a high risk country from a money laundering perspective,” the report states.

Apparently, banks are not treating all loan applicants equal. “Local connections are important,” the report states. “Whether or not a business gets credit depends on who you know on the island. And banks may have an incentive to protect existing clients from new competitors.”

In 2021 the profitability of local banks came under pressure as the Non Performing Loan (NPL)-ratio increased from 9.4 to 11.8 percent. “This limited the banks’ capacity for provisioning organic capital growth. Nevertheless, the availability of bank capital does not seem to be a limiting factor,” the report states.

Then there is the matter of collateral. Banks often use real estate for it, but a large segment of starting entrepreneurs cannot access mortgage loans.” The authors suggest that establishing a mortgage guarantee fund could increase home ownership and indirectly facilitate entrepreneurs getting bank loans. Such a fund was already created at the beginning of the century, but it is currently not operational.

The problem of getting credit is not only caused by the reluctant attitude of local banks, it appears from the report. It states that entrepreneurs are often unable to make a convincing business case or provide credible financial statements that show sufficient profitability. The reason? “Entrepreneurs deliberately minimize taxable profits to minimize profit taxes.”

That St. Maarten is considered a high risk country with regard to money laundering is according to the authors due to the unregulated gambling sector. The International Monetary Fund (IMF) has therefore called for a strengthening of the AML/CFT online gaming framework.

If St. Maarten managed to satisfy the requirements of the Caribbean Financial Action Task Force, the question still remains whether that is enough for payment providers to enter into contracts with local banks.

Again this has to do with the gambling sector. There is no gambling authority, even though the establishment of a gaming control board has been the subject of political discussion for more than ten years.

All this stands in the way of St. Maarten’s access to online payment systems like Paypal. Making payments is possible, but receiving money is not. The St. Maarten area code is not recognized on the platform and it is therefore not possible to verify an account through phone numbers.

Local banks have attempted to fill this void, for instance by offering CXPay, but this solution comes at a relatively high cost and with stringent conditions. Banks require for instance a deposit equal to a substantial part of annual sales from CXPay-users.

The lack of a credit register bureau also hampers the process of obtaining credit. “Such a register would contain people’s outstanding loans and whether they have defaulted on such loans,” the report states. “A credit register helps banks to assess overall credit risk.”

Companies are also not transparent because shareholders-registers are often only available in a company’s internal paperwork and there is no requirement to submit such a register to the Chamber of Commerce.

Banks require a minimum of 30 percent equity before considering a loan application. They want to keep the loan to value ratio below 70 percent.

Loans remain expensive though. Banks as well as Qredits apply interest rates between 5 and 8 percent. “These conditions are driven by the risk that banks think they run on loans to entrepreneurs in St. Maarten,” the report observes.

Qredits is a Dutch non-profit entity that started operations in St. Maarten in 2017. The Dutch ministry of economic affairs guarantees its funding and Qredits pays just 1 percent on its outstanding debt. Starting and existing entrepreneurs can borrow up to $50,000 in credit. They don’t have to put up collateral, though interest rates are slightly above the market rate.

Qredit rejects approximately 32 percent of loan applications. Main reason? “A lack of preparation on the part of the entrepreneur, a lack of proven skill or proven history or a proposal that aims at a saturated industry.”
Reasons to deny loans to existing firms are that they sometimes lack documentation like annual reports and financial statements, but also that they make little to zero profit. “This is partly driven by desire not to pay profit tax,” the report states.

The Enterprise Support Project launched in August 2020 and will be in place until 2024. The objective is to support small and medium enterprises. The Dutch government has made a fund of $35 million available for this purpose. Until the second quarter of 2021 39 firms received in total a bit more than $3 million. “This shows that the uptake of these funds is relatively low. An important reason is that banks require 100 percent collateral on a loan and charge the market interest rate of 6 to 8 percent.”

All this shows that there are plenty of obstacles for entrepreneurs who need credit to start or expand their business. So what are the solutions?

The report mentions the establishment of a credit register bureau as a first step in the right direction. Such a register would give bank access to information about the credit histories of credit-applicants. “Bank will be more informed about the creditworthiness of a business and be able to make a better decision. This will improve financing possibilities for entrepreneurs.”

Giving other businesses access to this register would support risk management at the firm-level.

The report furthermore recommends requiring that limited liability companies submit annual financial reports to the Chamber of Commerce. “These annual reports should be accessible to outside parties.”

Thirdly the authors recommend the establishment of a gaming control board. That should not need further explanation: the unregulated gambling industry is giving St. Maarten a bad reputation and this in turn hampers all kinds of facilities businesses need to flourish.

There are thirteen casinos on the island, but there is no significant tax on casinos or gambling. This is why the IMF recommends imposing a gambling tax.

“From an entrepreneurial perspective, the presence of a gambling authority will contribute to a positive image of Sint Maarten and the ease of making payments by attracting payment providers. The measure could face resistance from casinos,” the report states.

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Related links:Report: Spurring Entrepreneurship in Sint MaartenReview article SEO Economisch Onderzoek (In Dutch)Reducing red tape improves the business climateDoing business in St. Maarten: bottlenecks and solutions (part 1)Minister Ottley launches training program for aspiring entrepreneurs

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Een dilemma: hoe werken wij positief samen met elkaar?

Black Immigrant Daily News

The content originally appeared on: De Ware Tijd Online

INGEZONDEN Bepaalde leden van de SPB zijn al enige tijd aanvechtbaar bezig zonder dat behoorlijk tegen hen werd opgetreden. In

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