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Belife Assurance reprend Prudential Beneficial Togo dans un tournant majeur du secteur

Un tournant majeur s’opère dans le secteur des services financiers au Togo. Belife Assurance, groupe d’assurance multinationale en forte croissance et présent sur plusieurs marchés africains, a officiellement pris le contrôle de Prudential Beneficial Togo, une étape clé pour l’industrie de l’assurance dans le pays. Cette acquisition marque un nouveau chapitre pour l’ancienne filiale de Prudential Beneficial, qui sera désormais pilotée par la stratégie du groupe Belife — une entreprise reconnue pour son approche centrée sur le client et son innovation numérique dans le domaine de l’assurance. Une nouvelle vision pour la croissance et le leadership La nouvelle direction a fixé un objectif clair : restructurer et repositionner l’entreprise comme un acteur de premier plan sur le marché togolais de l’assurance. Les priorités annoncées incluent : L’élargissement de la couverture territoriale au-delà des grands centres urbains, L’amélioration de la qualité […]

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Diaz Left Out of Milan Game Amid Move Speculation

Liverpool’s coach Arne Slot confirmed that Luis Díaz was omitted from the squad for the AC Milan pre-season friendly due to ongoing transfer speculation, likely linked to interest from Bayern Munich. 🔍 What We Found Díaz and Darwin Núñez were both absent from Liverpool’s squad for their 4‑2 loss to AC Milan in Hong Kong. Slot clarified that Díaz was excluded due to transfer talks, while Núñez missed the game owing to a minor fitness issue. Bayern Munich is widely reported to be progressing with a bid for Díaz, expected to reach around €75 million (£65–70 m), with Liverpool having rejected a prior £58.5 m bid. Slot commented: “There’s a lot of rumours around him lately… He’s training really well… we’ve decided... not to play him yet”—making it clear the decision was not performance or fitness-related. Expert InsightObservers highlight that Slot’s admission openly […]

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Isak Situation Must Be Right for Newcastle – Howe

Newcastle manager Eddie Howe insists that any decision regarding Alexander Isak—whether he stays or goes—must come under the right conditions: benefitting the club, respecting financial rules, and aligning with the player’s fitness and ambition. What We Found Alexander Isak, who has informed Newcastle of his desire to leave, skipped the pre‑season Asia tour citing a thigh injury. Interest has surged from Liverpool and Saudi clubs like Al Hilal. Howe confirmed there's “things going on behind the scenes” and stressed that any outcome must serve Newcastle’s interests. He emphasised his strong relationship with Isak despite stalled talks and no current contract renewal. With Isak under contract until 2028 and Newcastle mindful of Profit and Sustainability Rules (PSR), Howe called the contract situation “slightly more complex,” advising focus on performance and consistency rather than immediate negotiations. Expert InsightHowe has repeatedly praised Isak’s […]

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Auditor‑General Report: Heads Must Roll Among Technical Officers

Dr. Eric Oduro Osae, governance and PFM expert, argues that in light of the Auditor‑General’s 2024 report revealing GH₵18.4 billion in financial irregularities, it’s not just politicians who should be held responsible—but also entrenched technical officers such as finance directors and chief directors. What We FoundSpeaking on JoyNews’ Newsfile in July 2025, Dr. Osae explained that while politicians approve policy decisions, the actual authorisation and execution of financial transactions are carried out by career civil servants. He argues the so-called “permanent government”—finance officers, chief directors—must also be held to account.The 2024 Auditor‑General’s report flagged a 109% increase in financial irregularities—from GH₵8.8 billion in 2023 to GH₵18.4 billion, of which GH₵15.57 billion is recoverable while GH₵2.84 billion stemmed from administrative lapses.Dr. Osae emphasised that recovery alone is inadequate; officials must face disciplinary measures. “Heads must roll,” he insisted, as a means to bolster public trust and […]

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Discontinuation of UniBank Case Creates Avenue to Loot

NPP member Kwadwo Poku argues that the Attorney‑General’s decision to discontinue the UniBank criminal case—based on the 60% recovery threshold—creates an avenue for looting, as it undermines accountability and may embolden misuse of public funds. What We FoundSpeaking on JoyNews Newsfile on July 26, 2025, Poku criticised the AG’s use of nolle prosequi in the high‑profile UniBank case involving Dr. Kwabena Duffuor and seven others. He warned that halting prosecution despite some recovery sends the message that misconduct can go unpunished once pledges are fulfilled. He insisted that retrieval of misappropriated funds is not enough. According to Poku: “What we should remember… is that we are now creating an avenue for loot… Because when people realize that you can take enough [and] do anything that you want to do… it is sad.”He added that indictment and prosecution must follow alleged wrongdoing, […]

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Adongo Calls for National Discourse on UniBank Case

Isaac Adongo is calling for a national discourse on the Attorney-General’s discontinuation of the UniBank criminal case, questioning the decision to spend over GH₵30 billion when the problem appeared manageable. What We FoundMember of Parliament for Bolgatanga Central Isaac Adongo made his remarks on JoyNews Newsfile on July 26, 2025. He criticized the decision to discontinue prosecution of former Finance Minister Dr. Kwabena Duffuor and seven others after a nolle prosequi, stressing that Ghana spent more than GH₵30 billion to resolve banking sector issues that could have been handled with far less—about GH₵2 billion for a GH₵6.9 billion problem. He also emphasized the importance of public accountability and transparency given the magnitude of resources expended. Expert InsightObservers note that while the Attorney-General cited a 60% recovery of GH₵5.7 billion owed to the state as justification for discontinuation, Adongo views this as insufficient justification without broader public […]

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Ecobank‑JoyNews Habitat Fair Opens Mini‑Clinic in Tema

The Ecobank‑JoyNews Habitat Fair launched a mini‑clinic edition in Tema, hosted at Achimota Retail Centre, designed to bring housing solutions, construction services, and mortgage advice directly to local communities as part of its national outreach. What We Found The 2025 mini‑clinic kicked off on June 21 at Achimota Mall in Tema, running for three days under the tagline “Dream It. Own It. Live It.” It offered exhibits in real estate, home security, financing, green building, decor, plumbing, and roofing. Ecobank’s representatives were present to advise on mortgage options and financing pathways for home ownership. During the opening day (Day 1), hundreds of prospective buyers and industry stakeholders attended, engaging with property developers, suppliers, and experts. Day 2 continued strong with high footfall, and Day 3 concluded with exhibitors reporting record-breaking sales, some developers selling out their inventory. Stakeholders noted the Tema mini‑clinic significantly boosted […]

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Sénégal : une dette cachée de 11,3 milliards de dollars secoue les relations avec le FMI

Le Fonds monétaire international (FMI) a annoncé qu’il enverra une mission de haut niveau au Sénégal en août 2025 pour faire face à un scandale financier sans précédent : la révélation d’une dette cachée de 11,3 milliards de dollars — une affaire qui a ébranlé la crédibilité économique du pays et rompu la confiance avec ses partenaires financiers internationaux. Cette crise sans précédent a conduit le FMI à suspendre son programme financier en cours avec le Sénégal, alors que les inquiétudes s’intensifient sur le manque de transparence dans la gestion des finances publiques sous l’ancienne administration. Une révélation choquante suite à un audit La crise a éclaté en septembre 2024, lorsque le nouveau gouvernement sénégalais a publié les résultats d’un audit approfondi des finances publiques, révélant un volume massif de dettes hors bilan. Ces engagements non déclarés, liés en grande […]

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Le festival de la langue Kabyè, pilier de la fierté nationale au Togo

Au cœur du nord du Togo, au rythme des traditions vibrantes des rites Evala dans la préfecture de Kozah (région de Kara), un mouvement culturel puissant prend forme : le Festival de la langue Kabyè. Organisé par l’Académie des Langues Nationales du Togo, cet événement met à l’honneur le Kabyè, l’une des langues autochtones les plus parlées du pays et un pilier fondamental du patrimoine national. Bien plus qu’une simple fête, ce festival est une affirmation forte de fierté culturelle, d’identité et de résilience. « Ce festival est un moyen d’encourager les citoyens à parler nos langues locales », souligne Kassang Balaibalou, président de l’Académie nationale de la langue Kabyè. « Nos langues ne sont pas des vestiges — ce sont des voix vivantes de notre peuple. » Une réponse stratégique à l’érosion linguistique Si le français reste la langue […]

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Ato Forson: Akufo‑Addo Govt Mismanaged Devastating DDEP

Dr. Cassiel Ato Forson, Ghana’s Finance Minister and Minority Leader, alleges that the Akufo‑Addo/Bawumia government mismanaged the Domestic Debt Exchange Programme (DDEP), creating a legacy of crippling debt, inflated advisory fees, and banking sector collapse. 🔍 What We Found Forson warned that Ghana inherited GHS 150.3 billion in domestic debt obligations under the DDEP, with repayments looming between 2027 and 2028 that significantly strain fiscal capacity. He described this fiscal burden as having devastating economic consequences. He also revealed that the DDEP eroded Ghanaian banks’ capital, hampering credit flow to businesses—a clear indicator of the programme’s destabilising financial impact. Forson accused the administration of awarding transaction advisory contracts worth over US$159 million to a select few, while national debt soared—suggesting systemic mismanagement and profiteering. Expert Insight Analysts highlight that strategic missteps in implementing DDEP inflicted long‑term damage on Ghana’s banking sector and credit availability. […]

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