01 Aug 2017

WHAT BEING BANKRUPT MEANS IN LAW

WHAT BEING BANKRUPT MEANS IN LAW

Once upon a time (time, time), in a village far far away called Bamboo, there lived a Mr Kalondo, a very rich man. Everyone admired him and wished they were him because for him, he never lacked.

He owned most of the big buildings, fancy cars and most of the land in Bamboo. All the pretty ladies got excited whenever his name was mentioned *wink wink *. With all the money, he even married a second and third wife, and had countless side dishes.  

Kalondo was the only one who knew his secret to the wealth. He borrowed lots of money to obtain the things that he had but the people in Bamboo would never know of the story.

But alas, years later, due to Kalondo’s luxurious living, the debts got overwhelming that none of his property would save him. In other words, Kalondo was bankrupt.

Ebiki?

What is Bankruptcy?

Under the law, Bankruptcy happens when a person is not able to pay up all his/her debts. For example, in this case, Kalondo borrowed money but failed to pay it.

How can a person be officially declared bankrupt (in legal terms, the word is Insolvent):

There are two ways in which a person can become bankrupt

  1. A person can ask Court to be declared Bankrupt: Under the law, Kalondo can petition court for bankruptcy. He can write to Court using a document called a Petition, telling Court that he/ she cannot pay the debts and if Court agrees, then that person can be declared bankrupt. In this case for example, Kalondo can ask Court to declare him bankrupt.
  2. His creditors can ask Court to declare Kalondo bankrupt: If Kalondo fails to pay, then his creditors (the people who he owes money “abamubanjja”) may petition court for bankruptcy and court may make a bankruptcy order in respect to the debtor (Kalondo).

NB: This can only happen when a statutory demand is made to the debtor but he/ she fails to pay.

When the petition for a bankruptcy order is made to court by either the debtor or the creditor, the court if it deems it fit grants the order.

What happens next:

When the bankruptcy order is given and Kalondo is declared bankrupt, Court will go ahead and appoint someone called an “official receiver” .

The official receiver is a person appointed by court to look after the property (estate) of the person declared bankrupt until the debts are paid off.

In this case for example, Kalondo had many buildings, land and fancy cars in Bamboo Village. All these properties shall be under the management of the appointed receiver until his debts are cleared.

What should Kalondo (debtor) do in case a petition for bankruptcy has been brought against him?

When someone has asked Court to declare Kalondo bankrupt, Court will ask Kalondo to bring to it what is called a statement of his affairs. This statement has things like Kalondo’s creditors (abamubanjja), debts etc.

After a bankruptcy order has been made, the court shall get a day on which public examination of the debtor (Kalondo) will be done. The debtor is examined on his or her affairs, dealings and property.

09 May 2017

ARE UGANDANS THE LAZIEST EMPLOYEES IN THE WORLD?

ARE UGANDANS THE LAZIEST EMPLOYEES IN THE WORLD?

According a report from a 2016 survey on executive performance in East Africa, Uganda reportedly has the laziest people in East Africa with the lowest productivity in terms of value-added per worker. Let us assume this is true, what could be the problem?

WHAT DOES LAZY MEAN?

Sometimes one may regard another as lazy when in fact that “lazy” person just needs to understand what is expected of him or her. For some employers, an employee should simply be present and ready to take orders and execute them immediately. However, this is not how most people work. In fact keeping someone unsure about their role in the workplace not only affects their productivity but also their motivation to work.

It can be expected that if an employer is paying someone a monthly salary and have given them a job but there are no set targets or expectations or any solid understanding of what exactly their job entails, then it is likely that they will take their time doing the little that they do understand. However, eventually they will simply perform that bare minimum and since they are not learning anything new, they will become demoralised and eventually burn out, which ultimately will reflect poorly on their productivity and the overall productivity of the company.

WHAT CAN AN EMPLOYER DO TO PROMOTE WORKPLACE OUTPUT?

What is often forgotten when speaking about “lazy employees” is that most Ugandan employees have got informal employment contracts. They have no certainty when it comes to their employment. Their roles are not written out anywhere, their work hours are not “set in stone” and their output is not clearly spelled out. Most times even the role they are expected to play is so fluid they may not know what exactly they are expected to do.

WRITTEN EMPLOYMENT CONTRACTS
If the employee had a written employment contract in a document and it details the duties, responsibilities and entitlements of an employee, the employer is more likely to get better output from the employees because he or she knows what is expected and what they are not allowed to do (e.g. sleeping under their office table after lunch time).

PAYMENT AS A MECHANISM OF ENCOURAGEMENT
Where an employer pays an employee basing on the output of the employee, there is a higher likelihood that the employee will produce more output because it means more money. This does not mean that the employer should exploit the employees by paying peanut wages, but rather having the employee get paid a fair amount for the work that they are doing. Remember an underpaid employee is not likely to perform well.

One way an employer can do this is to divide what the employee earns in a month, the number of hours the employee is supposed to work (standard employment hours in Uganda are 45 a week, the maximum set by law is 48 hours exceeding which an employee is entitled to overtime pay) and divide that per hour with outputs attached to it. For example, the employee is expected to do an expected amount of work in an hour. If the employee does the work of two hours in one hour, then they shall be paid two hours’ worth for that one hour.

In addition to having the employment terms streamlined, the entrepreneur will have to be (or provide) hands-on management to monitor and evaluate the outcomes of the employees. This is necessary to ensure streamlining of the business activities.

CONCLUSION- GOOD MANAGEMENT DETERMINES GOOD PRODUCTIVITY

Conclusively therefore, no matter how lazy everyone else in other businesses may be, the productivity in any particular business is determined by the efficiency of the management system and the work environment as well as incentives available. Keeping people in office for 9 hours every day does not equal actual work output. Underpayment has also never been motivators for hard work, in fact, paying employees too little has been shown to contribute to absenteeism, absent mindedness while at work and job-hopping.

27 Apr 2017

PENSION SAVING FOR THE INFORMAL SECTOR

PENSION SAVING FOR THE INFORMAL SECTOR

When one thinks of pension saving in Uganda there mind will not be far from thinking about the National Social Security Fund (NSSF).

NSSF for long has been focused to pension savings of people in the public sector under formal employment focus is changing however to also include pension savings made by the private and informal sector as individuals in this sector are free to voluntarily make contributions to NSSF.

Contributions made can be at a minimum fee individual are comfortable contributing monthly.

When one thinks of pension saving in Uganda there mind will not be far from thinking about the National Social Security Fund (NSSF).

NSSF for long has been focused to pension savings of people in the public sector

Relevant arrangements have been put in place to incorporate private individuals as remarked by Mr. Stevens Mwanje head of Sales of NSSF.

 In a related event to The Uganda Retirements Benefits Regulatory Authority URBRA established under the Uganda Retirement Benefits Act 2016 awarded licences to Mazima Voluntary Individual Retirement Benefits Scheme (MVIRBS) and Kampala City Traders Association (KACITA) Retirements Benefits Scheme ON 3RD March 2017; the country’s first informal sector-based pension schemes after several months of legal review.

This will extend social protection coverage to the majority of Ugandan workers faced with inadequate social welfare coverage.

Several employers and employees in the informal sector lack proper hiring procedures, stable savings channels and reliable business records. Employees in the formal sector enjoy access to internal and external savings schemes.

An estimated two to three million Ugandan workers are covered by private pension schemes, the National Social Security Fund (NSSF) and the Public Service Pension Fund out of 15 million employed Ugandans, official data shows.

While some informal sector players earn considerable incomes every year, absence of stable revenue streams and low innovation appetite among fund managers is partly blamed for poor pension benefits coverage in the sector. Uganda’s informal sector accounts for 60 per cent of GDP and nearly 50 per cent of available jobs, government data shows.

Whereas membership to MVIRBS is open to anybody engaged in the informal sector, enrolment in KACITA retirement benefits scheme is restricted to members of the country’s most prominent trade lobby group that boasts of more than 1,000 members spread countrywide.

Member contributions to MVIRBS have been set at a minimum of Ush2,000 ($0.59) per day and a minimum of Ush10,000 ($2.9) per week for interested persons while registration fees have been fixed at Ush10,000 ($2.9) per person. Many local savings and credit co-operative organisations (Saccos) offer low income members monthly contribution rates of less than Ush20,000 ($5.9) that stimulate steady collection patterns and smooth lending operations.

MVIRBS said it has already accumulated initial contributions of Ush10 million ($2,925) from about 300 members and plans to grow its membership to 50,000 people over three years.

Do you agree that it is high time people in private and informal sector started saving up for retirement?

Do you feel that the informal sector will be complaint to the new developments?

 

05 Apr 2017

MSME GARAGE WEEKLY NEWSFEED

MSME GARAGE WEEKLY NEWSFEED

E-commerce, commonly known as online business has not only propelled global trade but as well as local trade. Many people in Uganda are now involved in online business but succeeding in this business needs you to have constant update of perfect market information.

 

We therefore give you an insight of economic changes that will guide your investment decisions today.

 

Commercial Banks Rates

 

Interest rate: lending rates is currently at 22.37%

                    Time deposit rate is currently at 11.76%

 

Inflation rate: food inflation is currently at 18.8% but headline inflation still stands at 6.7%

 

Exchange rates: Buying            Selling

U.S dollar           3607.63           3617.63

GBP                    4478.51           4490.92

Euro                    3879.14           3889.89

K.SH                       34.99               35.09

  1. SH                        1.61                 1.62

 

Commodities: prices expected to increase further due to the falling currency as shillings depreciates

 

Trade minister:  Minister Amelia Ann Kyambade on Wednesday launched QNET absolute living in   Uganda and called for more investors to extend their business to Uganda.

 

National: Government urged to revise taxes levied on smart phones to hasten Internet access

               Government launches multi-billion market in jinja district to boost fisheries

               Multi-million Nakaseke juice plant fails to start as more industrialization demand continues

 

Foreign: Netherlands invest 22 million euroes in Uganda to boost Agro-exports

              Korean government extends support of 900 million U.S dollars to modernize agriculture

World:  Europe markets lower, south Africa exposed stocks slump, EU offers pre-Brexit trade talks

 

For more local, national and international business news, visit our website on www.msmegarage.org

28 Mar 2017

PARTNERSHIP

PARTNERSHIP

TURNING FRIENDSHIPS INTO BUSINESS

Kato and Juma met and at university and they grew fond of each other. Because of the strong friendship they had, they agreed to enter into business together after graduating and in effect enter into a partnership.

After graduating, Kato and Juma started discussing going into business together and sharing ideas. They had capital with them but could not agree on what to do together because of their differing Interests. They want guidance on what they can do that will benefit them.

 

 WHAT IS A PARTNERSHIP?

A partnership is a relation which exists between people carrying on a business in common with the aim of making profits. The key terms in this definition is that there are two or more people, doing business together, the primary reason for the business is profit.

A Partnership can be formed even when the word “partnership has not been used. The moment people agree to “buy land together and grow cassava on it” they are agreeing to enter into a partnership, even when they don’t write any contract or agreement a partnership will exist.

HOW TO IDENTIFY A PARTNERSHIP

In case you may be in a partnership without knowing it, these are the ways of identifying whether you are in a partnership:

1. The relationship MUST exist between two or more parties; this means that one person can’t form a partnership by themselves.

2. The partners must carry on business together/ the same business. This means that both are contributing to the same business. It cannot be a partnership if one the partners are carrying on different businesses even if they are saving their money together.

3. Making profits must be the aim of the business. This does not mean that profits must be made, only that it must be the primary reason for the partnership. For example it would be misguided to form a partnership for the purpose of helping people acquire mosquito nets, it would make more sense to create an NGO or a CBO for that purpose. A partnership carrying on similar business would be better suited to selling mosquito nets for profit.

NB: For a partnership to exist, all the three requirements mentioned above must be present.

 

WHAT CAN JUMA AND KATO DO?

In order to decide on what to do, Juma and Kato can give thought to the following:

1. Who is providing the most capital whether it is financial or in terms of resources? That person has greater to lose and so it may be necessary for their opinion to be given greater weight.

2. Both parties can agree to concede something to the other party in order to come to an agreement. This is keeping in mind that one cannot always get their way 100%.

3. The time factor is important. Which one of the Partners will be spending more time at the business than the other? If both spend the same amount of time, then which partner is better skilled at the day to day management of the business? This partner may have to take lead on the big decisions.

Always keep in mind that a two headed snake will fail to go anywhere because the two heads will keep pulling the body in opposite directions. Sometimes one has to be the tail in order to let the snake move forwards.

17 Mar 2017

Becoming Tech Savvy in a Tech Era

Becoming Tech Savvy in a Tech Era

We live in a world where technology is taking over. Many business have failed to adapt to the times and have had to close up shop. Perhaps no example is more prevalent than that of Kodak, a business that had drowned in the amidst of technology advances. In light of this, we have compiled 5 helpful tools to going digital that will help your business to thrive.
Get a business email address
Email has become one of the most common ways in which people communicate. Email allows your customers and clients to reach you easily and enables you to run email campaigns that advertise your business. (Email campaigns are much easier to track than flyers!) Without an email address, you risk alienating an entire generation of online consumers.
Get a website
Websites legitimise your business to a world that is increasingly present online. The first thing the digital generation does when they hear of something new is Google! They will google your business to make sure it is real and to find out more information. So, build a website with all the relevant information about your business. When creating your website, make sure it is user friendly. There is nothing more irritating than a website that is difficult to navigate and hard to use; this will reduce traffic on your website. Google analytics is a great tool for tracking your website and its impact. To learn more about google analytics, click here.
Establish a digital footprint on social media
There are over 1.86 billion Facebook users. This means that Facebook has enough users to form a country in its own right! Establishing a presence on social media platforms is equally as important as building a website. Why? Because consumers will search for you on Facebook, Twitter, Instagram and often use online reviews and comments to verify the quality of your business. Moreover, social media is a great place to market your business and run targeted campaigns. Facebook in particular, has been known to boost sales by 24%. For a few tips on increasing Facebook engagement, take a look at this article.
Invest in a Social Media and Brand Manager
Running social media presence may seem simple but it is fast becoming a sought-after skill in the corporate sector. If you have enough capital, invest in a manager who understands how social media works and understands your brand and your market. This can make all the difference in ensuring that your marketing campaigns are effective and reach the right people.
Use google applications
Use google drive, google doc, google sheets and google slides! These are useful tools available for document storage and help you create documents that team members can easily access and edit. Google applications enable you to share your work without having to send a million emails. Any changes made to the documents you create on Google are saved automatically; say goodbye to losing important documents. To create a google account and have access to all these wonderful applications, click here.

16 Mar 2017

THE MYSTERY OF INSURANCE EXPLAINED

THE MYSTERY OF INSURANCE EXPLAINED

THE MYSTERY OF INSURANCE EXPLAINED

What is Insurance?
Insurance happens when a person (insured) pays a certain amount of money (called premium) to an insurance company (insurer). This money is paid to cover loss against a certain event.

For example:
A person insures his house against fire, if fire breaks out, then the person can go to the insurance company and ask for payment (usually called indemnity) for the loss.

However, if a person insures for fire, but the house is destroyed by rain, then the person cannot claim the insurance money. Therefore, it is very important to know what risk is being indemnified when entering into an insurance agreement with your insurer.

How does one get insurance?
The first step to getting insurance is to identify the insurance company. You can find a list of insurance companies in Uganda here. Once you have identified an insurance company, then you can travel to their offices and agree on the terms and conditions of the contract. Typically, an insurance company will explain exactly how everything works, so you don’t need to know everything about insurance before you approach a company.

The amount of money you pay to an insurance company in order to obtain cover or protection is called a PREMIUM. Your premium will be used to “cover” the risk. An agreement between yourself and the insurance company is called the POLICY (contract of insurance). Once signed, both you and the Insurance Company will be bound to perform under the contract. The contract will contain all the terms of conditions for your insurance agreement, so it is important that you read and understand what you are signing. If you need help interpreting a policy, contact us through any of our platforms.

After signing the Policy, you become the insured and the Insurance Company becomes the insurer.

In the event that the risk insured against (for example fire) happens and causes the anticipated damage, the insured can bring a claim to the insurer for indemnity. For an insured to claim from the insurer, the loss that occurred must have been unforeseen or accidental (the exact details will be outlined in the policy). This means that if the insured is negligent or could have avoided the loss but did not, he will not be able to claim successfully from the insurer. A certain degree of care is required on the part of the insured lest he become reckless and bring about the event which would be disadvantageous to the insurer. Importantly, many insurance matters that end up in court hinge on a dispute negligence.

Why does Insurance matter?
There are many reasons why you should get insurance for your business but it all zeroes down to one thing: security against future uncertainties. No one wakes up and plans to fall sick, get into an accident, die or burn down their house but these events happen on a regular basis and often, they will affect your assets in one way or another.

Everybody needs insurance as a form of security. When you suffer loss due to an unforeseen event or accident, finding capital to cover the costs of damage can be very difficult. Insurance companies cover your costs so that you can focus your time, energy and resources towards operating your business.

What happens if there is a dispute between a person and the insurance company?
If there’s a dispute between a person and the insurance company, it is recommended that the person lodges a complaint to the Insurance Regulatory Authority (IRA) which will try and resolve this dispute before the matter goes to Court. Complaints to the IRA can be sent via email or telephone.

If you are not satisfied with the decision of the IRA, then you can take the matter to Court. But remember: before you can enforce your insurer to act upon the contract, you must have fulfilled all your obligations under the policy. If you default on premium payments, you cannot force your insurer to cover you when a risk materializes.
Contact us to find out about the different types of insurance options available to your business. Make smart choices now to avoid paying for your mistakes later.

28 Feb 2017

CRYPTO CURRENCY AND UGANDA’S FINANCIAL MARKET

CRYPTO CURRENCY AND UGANDA’S FINANCIAL MARKET

You have probably read or heard about the idea of a “cashless economy” and wondered why the need for one or how exactly It can be done. Well, change is a constant and just as with all other parts of the economy the banking sector has experienced changes attributed to the rapid advancements in technology. The conceptualization of a cashless economy has been mostly manifested by crypto-currency.

WHAT IS CRYPTO CURRENCY?

A digital currency in which encryption techniques are used to regulate the generation of units of currency and verify the transfer of funds, operating independently of a central bank.
To put it in the simplest of terms crypto-currency is digital money mostly traded in through the internet.
There various forms of Crypto-currency up to 700. The most popular forms include Bitcom and One coin.

HOW DO CRYPTO – CURRENCIES WORK?

Transactions with Cryto currency occur through the use and exchange altcoins which are independent from formal banking systems. The currency is valued against the known paper or fiat money and the same crypto-currency appreciates depending on the demand by private individuals to buy specified amounts of it. The more demand a particular form of crypto-currency gains the more it appreciates in value.

IS CYPTO-CURRENCY REGULATED AND IS IT LEGAL CURRECNCY?

Some countries have straight out rejected the use and application of this form of currency such as Uganda while others have adopted a taxing mechanism for it to be taxable as property of private individuals such countries include the United States of America. Since it’s a form of currency that operates outside the known banking system of countries there have been challenges in many countries to grant it legal basis.

WHAT IS THE RELEVANCE OF CYPTO-CURRENCY?

The founders of crypto-currency are of a view that it is time to embark on having a more secure currency , a currency that enables better and faster transactions in trade across borders , a currency that encourages more value for the private owners and lastly a form of currency that reduces the cost of international trade which involves exchange of various forms of Fiat or paper money into other known paper currencies when travelling around the world that has often led to people losing money amidst travel and trade.

STATUS IN UGANDA

As stated previously, crypto currency is not recognized in Uganda as legal tender, the Central Bank (Bank of Uganda) issued the following notice to the public recently informing everyone that crypto currency is not recognized or considered money or legal tender in Uganda and any dealings in it are outside of the law and the purview of the Central Bank and therefore at the risk of the individual.

Below is a recent warning by Bank of Uganda concerning crypto currency:

BOU announcement

28 Feb 2017

WHAT TO DO WHEN YOU RECEIVE FAKE MONEY

WHAT TO DO WHEN YOU RECEIVE FAKE MONEY

Tina boarded a taxi to Mukono, when they had just passed Seeta, the conductor turned to the passengers and asked if any of them had change for 50,000/-, Tina innocently offered to give away her changed money in exchange for the 50,000/- note. After alighting at Sombe supermarket, she went in, to do some shopping but to her surprise once at the counter, the cashier refused to accept the 50,000/- note saying it was a fake.

Bank of Uganda is the only mandated institution with authority to print, issue and destroy any currency of Uganda. However, many people like Tina and businesses, have suffered loss due to the presence of counterfeits in the market.

WHAT IS A COUNTERFEIT

Legal tender is a means of payment recognized by a legal system to be valid for meeting financial obligation. In Uganda, bank notes and coins are the forms of legal tender.

Fake notes and fake coins are imitations of what is considered legal tender and are known as counterfeit currency. They have no value and are intended to pass off as genuine currency.

iN the laws of Uganda, it is a criminal offence to make counterfeit currency. It is also an offence to give out counterfeit currency, knowing that it is counterfeit.


HOW TO DETECT COUNTERFEITS

It is relatively easy to detect a counterfeit bank note if you know what to look out for. It is important to get familiar with the feel of bank notes to tell the difference when handling a suspect note since most bank notes are made from special paper with unique tactility.

According to the Bank of Uganda, some of the key features on the bank notes include:

1. A watermark and electrotype formed within the paper – When held up to the light, the crested crane image is visible. You should look for the light area near the eye and the dark area above the beak. The denomination of each banknote is also shown vertically in the electrotype form below the beak.

2. A windowed security thread running through the banknote paper – A special thread is woven into the paper. On the front it appears a silvery stripe. When held up to direct light, it appears as a continuous line and changes colour from red to green when tilted.

3. High quality paper – Members of the public report that they recognize a banknote as a counterfeit by the texture of the paper; and the fineness of the print quality on a genuine banknote is difficult for current scanning equipment to resolve properly. Intaglio printing, where thick ink lends a raised surface to the print surface, is difficult to reproduce.

4. The foil images are distinctly different for each denomination. In addition to the denomination numeral, a main pattern, Shield (50,000), drums (20,000), and pots (10,000) can be seen clearly. Moving lines around the main pattern change in a different manner on tilting the note side to side.


HOW TO AVOID RECEIVING COUNTERFEIT MONEY

When you receive money make sure you:

1. Check for the various features pointed out above. Make it a habit of checking the banknotes you receive. Many people are conscious about looking silly lifting the notes into the light or feeling for the intaglio printing, but consider how much you would be saving yourself.

2. If you receive a note you suspect to be a counterfeit while in a bank, insist on the manager (and the police) being called. And if you have received the money from a customer at work, call the police immediately.

3. If you ever get into a situation similar to Tina’s, make sure to check it, and if you suspect it is a fake, do not accept it. Simply alert the person to the fact and get it replaced. Then check even that one, always be vigilant.

4. If as you are inspecting the bank notes that have been handed to you and the person who gave it to you gets upset, keep level headed and explain that there is nothing personal involved. At the same time, do not get upset when others check the money that you hand them either.

13 Feb 2017

MAKE SURE YOU ARE NOT IMPORTING PROHIBITED GOODS!!!

MAKE SURE YOU ARE NOT IMPORTING PROHIBITED GOODS!!!

MAKE SURE YOU ARE NOT IMPORTING PROHIBITED GOODS!!!

URA recently released information that it had impounded hundreds of cartons of cosmetics valued at well over 100 million shillings. Many of the products in the consignment were reported to be prohibited and selling them in Uganda is illegal. The companies which had purchased those goods therefore lost out on a lot of money.

WHY WERE THE PRODUCTS PROHIBITED?

The goods in question this time are said to have contained a component of Hydroquinone and mercury which are dangerous to health. Many skin lightening products are also banned since they are made from a carcinogen (cancer causing substance).
The Government through the Ugandan National Bureau of Standards has got the power to declare that a particular product should not be sold in Uganda. Whether it is imported from another country or made within Uganda, selling it is illegal and where it is discovered the authorities have go the power to take it away and can even destroy it after some time if there is no other way of disposing of it.

HOW TO KNOW IF WHAT YOU BUYING IS A PROHIBITED PRODUCT?

In law there is a rule that for something to be prohibited, the public must be informed. Likewise, the body which prohibits harmful products the UNBS publishes the prohibited goods which should not be imported or sold anywhere in Uganda.

Please check the list below for the cosmetic products banned by URSB for containing hydroquinone and mercury.

 

MERCURY COSMETIC PRODUCTS CONTAINING HYDROQUINONE CREAMS

1. Maxi Claire beauty cream

2. Rapid White

3. Caro Light

4. Carro 7

5. Djarabi

6. Clairmen

7. Skin light

8. Caro Liss

9. Citro Light

10. Top clair plus

11. L’abidjanaise

12. Mekako

13. Bio 21 Jours

14. Cocoderm

15. Rico

16. Maxi light

17. Pure White

18. Princess

19. C & G

20. Extra Toning

21. Butone

22. Carotone

23. Sivo Clair

24. Extra Cream

25. Yes To

26. Rejuvenating
Cream

27. Mic

28. Touch and Clear

29. Caro skin

30. Viva Super
Lemon

31. Ultra Skin Tone

32. Ikb Medicated
Cream

33. Princess Patra
Luxury
Complexion
Cream

34. Fade - Out

35. Crusader Skin
Toning Cream

36. Envi Skin Toner

37. Palmer`s Skin Success
(pack)

38. Tura Bright &
Even Cream

39. Zarina
Medicated Skin
Lightener

40. Fair & white Active
Lightening

41. Claire Cream

42. Ambi Special
Complexion

43. Fair & White Whitening

44. Miki Beauty
Cream

45. Lolane Cream

46. Fair & White Strong
Bleaching Treatment
Cream

47. Peau Claire
Crème
Eclaircissante

48. Glotone
Complexion
Cream

49. Fair & white Body
Clearing milk

50. Clear Essence
Skin Beautifying
Milk

51. Nindola Cream

52. Maxi – Tone fade

53. Tura Skin Toning
Cream

54. Tonight Night
Beauty Cream

55. Nadinola Fade

56. Madonna
Medicated Beauty

57. Fulani Cream
Eclaircissante

Cream

 

58. Clear Essence Medicated
fade

59. Mrembo
Medicated Beauty
Cream

60. Clere Lemon
Cream

61. Ultra Skin Tone

62. Shirley Cream

63. Clere Extra
Cream

64. Fade - Out

65. Kiss – Medicated
Beauty Cream

66. Binti Jambo
Cream

67. Palmer`s Skin Success
(pack)

68. UNO21 Cream

69. Malaika
Medicated
Beauty Cream

70. Fair & white Active
Lightening

71. Crusader Ultra
Brand Cream

72. Dear Heart with
Hydroquinone
Cream

73. Fair & White Whitening

74. Ultime Skin
Lightening Cream

75. Nish Medicated
Cream

76. Fair & White Strong
Bleaching Treatment
Cream

77. Rico Skin Tone
Cream

78. Island Beauty
Skin Fade
Cream

79. Fair & white Body
Clearing milk

80. Baraka Skin
Lightening Cream

81. Malibu
Medicated
Cream

82. Maxi – Tone fade

83. Fairlady Skin
Lightening Cream

84. A3 Tripple
action Cream
Pearl Light

85. Nadinola Fade

86. Immediat Claire
Lightening Body
Cream

87. Elegance Skin
Lightening
Cream

88. Symba crème Skin Lite
‘N’ Smooth

89. Mr. Clere Cream

90. Cleartone Skin
Toning Cream

91. No Mark Cream

92. Clear Touch
Cream

93. Ambi Extra
Complexion
Cream for men

94. Crusader Ultra Brand
Cream

95. Cleartone Extra
Skin Toning
Cream

96. Ultime Skin
Lightening
Cream

97. O`Nyi Skin Crème

98. Rico Skin Tone
Cream

 

LOTIONS

1. Tamarin

2. Camee

3. Extra Clair
lightening Body

Lotion

 

4. Yes To

5. White Express

6. Precieux
Treatment
Beauty Lotion

7. Jaribu Skin Lightening
Lotion

8. Clear Touch
Lotion

9. Super Max –
Tone Lotion

10. Caroderm

11. Shiny

12. Amira Skin
Lightening
lotion

13. L’abidjanaise

14. Meti’cee

15. A3 Cleartouch
Complexion
Lotion

16. Djarabi

17. Beauty oil Abana

18. A3 Lemon Skin
Lightening
Lotion

19. Caroliss

20. Peau Claire Body

21. Extra Clair
lightening Body
Lotion

22. Caro Top lotion

23. Reine Clair Rico
Super Body

24. Precieux
Treatment
Beauty Lotion

25. Top lemon

26. Immediate Claire
Maxi – Beauty

23. Amira Skin
Lightening
lotion

27. Bio liss

28. Tura Lotion

24. A3 Cleartouch
Complexion
Lotion

29. Maxi Claire

30. Sivoclair
lightening Body
Lotion

25. Kiss Lotion

26. Princess Lotion

27. Jaribu Skin
Lightening Lotion

 

SOAPS

1. Uniderm

2. Body Clear
Medicated
Antiseptic Soap

3. Topi Clear
Beauty
Complexion
Soap

4. Djarabi

5. Blackstar

6. Ultra Clear

7. Skin light

8. Cherie Claire Body
Beauty Lightening

9. Topi Clear
Beauty

& Treating Soap

Complexion
Soap

 

10. Immediate Clair
Lightening Beauty Soap

11. Lady Claire

12. M.G.C Extra
Clear

SKIN LIGHTNING COSMETIC PRODUCTS CONTAINING MERCURY (CREAMS & LOTIONS)

1. Maxi Claire

2. Shiny Beauty
cream

3. Top Claire Plus

4. Tamarin

5. Charms

6. Caro derm

7. Skin Light

8. Carro 7

9. L’abidjainaise

10. Rapid Clair

11. Beauty Lotion
Shinny

12. Djarabi

13. Yes To

14. Bio 21 Jours

15. Bio liss

16. Yes To lotion

17. Caro Top lotion

18. Maxi Claire

19. New Shirley Medicated

20. Top lemon

21. Pimplex
Medicated

22. Top Claire Plus

   

SOAPS

1. UnidermSoap

2. Djarabi Soap

3. Jaribu Soap

4. Skin Light Soap

5. Super Family

6. Binti Jambo Soap

7. Baby and Maman Soap

8. Movate Soap

9. Amira Soap

10. La Bamakoise Savon
Tamarin Soap

11. Miki Soap

12. Mekako Soap

13. Rico Soap

14. Tura Soap

15. Jaribu Soap

16. Acura Soap

17. Fair Lady

18. Elegance