FORCES
Today, Governance of securing land and property issues has become and challenges for the central authorities, local local and municipal governments, royal commissions, actors of civil society, the private non-profit and private sector organizations. The Millennium Challenge Corporation (MCC / USA) and the Millennium Challenge Account Senegal (MCA - Senegal), which aimed to "facilitate poverty reduction through economic growth in the Republic of Senegal", activated from the consultants' for technical assistance on the preparatory work for the security of tenure "(Ref: Notice of Application Specific Proposals - RFP / S / N °. LTS01-ACM-S-LAND TENURE Security in the Sun of Thursday, April 8, 2010 in Dakar / Senegal).
Long neglected by the BCEAO (Central Bank of the States of West Africa) and commercial banks, currently, and Expert Member of the International Finance and Development, we have very early joined the Insurance and that the spectrum Micro finance contribute significantly to improving the lives of the poorest people, especially women and youth by offering products tailored to their needs and financial capabilities.
In addition to the usual land title and binding, it is important to secure well before being granted land and ensure continuity in its ownership.
WEAKNESSES
The risks and serious conflicts related to land are many, this may relate to the land: floods, cracking, sliding, for example due to poor site selection can also affect farming. Land problems of the rural community of Mbane whose people rebelled against the alienation of land, those in the rural community of Diama criticizing the procedures for allocating growing surface area of the Department of Dagana in connection with the PDMAS (Program Development of Agricultural Markets). Recently in the month of August 2010, the Land Management Committee, chaired by the Authority governor (Governor of the Saint Louis) had decided to grant the land to farmers eligible.
can remember that these risks are related to access, conservation and enhancement of the earth. USA MCC and MCA Senegal could mitigate its risks if the Civil Society Experts are actually integrated into the decision making process from upstream to downstream in the Governance of land security and the search for durable solutions.
BENEFITS
Insurance and Microfinance: ensure the smooth provision of land and land and ensures proper operation of the agreement by giving the means to promote the construction, or housing, or commercial or industrial use. Goal 7 of MDGs (Millennium Development Goals UN) request for "integrating principles of sustainable development into country policies" and "improve the lives of at least 100 million people Slums, by 2o2o.
THREATS
Thus the Micro finance and insurance play a role economic security of the property and a social role: to live and have a decent roof, which is a fundamental right. In fact, Goal 8 of the MDGs "implies a commitment to good governance, development and the fight against poverty, both nationally and internationally". The results
efficient and effective civil society in the field of financial SFD (Decentralized Financial Systems) led to better organize the BCEAO Act PARMEC / UEMOA. Monitoring and Quality Financial Services (OQSF / Senegal), established by Decree No. 2009-95 of February 6 2009 to the effect of monitoring the quality of services offered by financial services, is active in financial mediation between clients and users to a provider of financial services (banks and financial institutions, microfinance institutions, confidence, and insurance company position).
Micro finance as a means of funding, granting easier with a small amount without affecting its heritage and hinder the management of other social concerns (help parents purchase the vehicle for example) helps to fight against land speculation, which are much hurt the poorest people.
For construction, insurance can possible to guarantee a bank loan or it is possible that micro-finance fully fund such a project. Governance Reform and Securing land can not be resolved solely by Approach "Licence - Master - Doctorate (LMD) of Higher Education. There are themes namely the mortgage market and the lease, the West African Training Center and Banking Studies (COFEB / BCEAO) has launched a tender for "a study on the strategic positioning center to assess its competitiveness "in an environment where institutional reluctance are regional.
addition, the Governance of Land security is not confined only to the earth as a driver. There are problems of access to financial information (IFRS / IFRS 4), limiting FDI in the same PER / WAEMU / ECOWAS. Institutions do not involve civil society more in farm financial approaches.
OPPORTUNITIES AND PROSPECTS
The valuation of the land may also pass through agriculture, horticulture, gardening (fruit trees) or livestock. But there are now other parameters, as landslides, earthquakes (Haiti, California, Tsunami, Peru, Chile ...) and the Public Interest Litigation (PIL) that we can not settle a transversal and multidisciplinary. That is why Senegal MCA and MCC U.S. concerned to seek skills in Securing Land (Ref: RFP / SQCBS / No. ES1.5-ACM-S-RAP-IRRIGATION PROJECT).
On this, the U.S. program Millennium Challenge Account (MCA), led by Millennium Challenge Corporation (MCC), has officially started in Senegal. The exchange of letters marking starting the disbursement of funds for this important program through which the U.S. government makes available in Senegal 540 million, or $ 270 billion CFA francs, was held Monday, September 27, 2010 at the banquet hall of the Presidency Republic, in the presence of head of state, Abdoulaye Wade. This program will create sustainable investments in key sectors of infrastructure and irrigation, particularly in the Senegal River Valley and southern regions.
If this Program, "designed to assist eligible countries to better fight against poverty and to ensure safety food, we capitalized shortcomings in citizen control of public action (SCC) through the PRSP and ending the new guidance document Senegal's economic perspective, AGOA I and II, the PPES (Draft promotion of exports of Senegal) ... etc.
As promoted by the State Minister, Minister of Economy and Finance, the Government of Senegal should establish institutional mechanisms within the framework of the CCPA and the law right to Private sector participation for non-profit organizations, individuals and non-governmental actors of civil society in Senegal for Development shared equitably among citizens beneficiaries. Thus
Direct insurance taken out in an insurance company offers various products such as: Property Insurance, Credit Insurance, Life Insurance for the contractor and his team, Fire Insurance and associated risks, casualty (any damage affecting own the property or that of others due to his fault). Indirectly
Micro Finance serves as an intermediary between the insurer and the owner or lessor to allow one to have, and grow well and the other to peacefully enjoy the property acquired.
of Enron in the USA, Parmalat in Italy Case of Bernard Maddof that triggered the global financial crisis since 2008 with "toxic assets", this is not the term "financial capability" that is central to the mission strategy of the Poverty Reduction and Absolute Poverty monetary policy (as the MCA / MCC) but indicators of trust, vision, conscience, belief and values that the Consultant / Project Manager, Individuals, Directors and Experts Consultancy Firm beneficiaries will express in the Applications Proposal. Africa has very limited capacity to use FDI and bilateral and multilateral funds set available. I am very equipped, following the international trade training by USAID / PPES, to appreciate the inability to optimize the benefits of AGOA II and I made our favor for the U.S. market.
Adama Diop Médoune
Advisor Insurance
Address: HLM Nimzath N ° 2885 BP 12067
Colobane - Dakar-Senegal
Tel: Dom: 33 824 46 79 - Port: 76 835 61 56 Email
: @ dagna12003 gmail.com
&
Babacar Ndiaye
Independent Researcher Consultant Sustainable development and sustained economic growth (DD / CES)
Consultant Integrated Approach of Human Rights (AIDH)
Civil Society
Address: CP13522, BP37171Dakar / Senegal, E- mail: worldleadership_2000@yahoo.fr;
Tel. : +221 77539 4735;
