Published articles by BENJAMIN XORNAM GLOVER, Journalist @ GRAPHIC COMMUNICATIONS GROUP LTD
Tuesday, 30 April 2013
Upper Presbytery of Presbyterian Church of Ghana calls for calm on labour front
Story: Benjamin Xornam Glover, Bolgatanga
The Chairman of the Upper Presbytery of the Presbyterian Church of Ghana (PCG), Rev. Esmond Wasau Nagba has noted with deep concern the current spate of upheavals in the labour front and appealed to all aggrieved labour unions to rescind their strike and resume work.
“Clearly the contentions revolve around wage related disagreements. Every worker has a set of expectations regarding fairness in remunerations. However, the disagreement normally surrounds fairness, accuracy or otherwise and certain times the delay which often leads to eroded financial value.” He said.
Speaking to the press on a communiqué issued by the Upper Presbytery of the church at the end of its third Presbytery Conference held at Gambaga between April 13 to 17, this year, Rev Nagba urged the government, Fair Wages and Salaries Commission (FWSC) and other stakeholders to demonstrate their willingness in ending this spate of labour unrest through a demonstration of commitment to agreements and rulings at various negotiations for a involving labour unions.
The Upper Presbytery covers the three political regions, namely the Upper East, Upper West and parts of the Northern Regions, specifically, the West and East Mamprusi District Assemblies as well as the Bunkprugu / Yunyoo Districts.
While calling on government to play its role, the church also appealed to labour unions not to resort to entrenched positions but allow due process involving negotiations, adding that “Let us all remember that all parties are serving the supreme interest of Mother Ghana”.
On the current energy crisis, Rev. Nabga said the conference observed that the nationwide crisis involving inadequate and inconsistent supply of power has brought untold hardships to both domestic and industrial users who depend on power for productivity, profit and survival.
“We wish to acknowledge that our sources of power are largely natural and God endowed. It is the management of it that is delivered through the instrumentality of human agents and government entities. While commending government for extension works at the Aboadze Terminal Plant to boost the power capacity, we wish to urge government to refrain from misrepresentation of facts and realities surrounding the issues of the power crisis for political expediency. A similar appeal goes to users of electricity to cut down on wasteful usage and to become power conserver sensitive.” He said.
The church appealed to the government to find lasting solutions to the energy crises in the country. It also admonished the Electricity Company of Ghana (ECG) and the Volta River Authority (VRA) to bring more efficiency in their operations
On Peace and Security, the Presbytery commended all Ghanaians for the generally peaceful reactions to the outcome of the 2012 general elections. They particularly commended the leadership of the two main political parties for resorting to the courts for solutions to the disagreements surrounding the elections and pledging to abide by the ruling of the Supreme Court.
The church urged all parties to remain calm while the justices of the Supreme Court execute due diligence to bring the matter to a rest.
Rev. Nagba also bemoaned recent pockets of inter-ethnic and Chieftaincy related violence notably in Nakpanduri ad Yendi recently and urged the key actors, residents and security agencies in these locations to refrain from the use of violence and rather resort to dialogue and other peaceful means in seeking solutions to all associated grievances.
The Communiqué also touched on the recent controversies surrounding aspects of the Savannah Accelerated Development Authority (SADA) initiatives and urged all key actors and beneficiaries to be sincere and ensure that this initiative is de-politicized and be allowed to be the pro-programme that is was meant to with persons in the beneficiary areas from economic misery to some level of economic liberation.
The Communiqué also acknowledged government’s effort at ensuring efficient management of the National Health Insurance Scheme by introducing the capital system on a pilot basis and also intention of the introduction of verification system to check over-billing of client by the health providers.
It said concerns raised by well-meaning Ghanaians concerning the efficient management of the scheme must be taken seriously to make it the pro-poor scheme that it is meant to be.
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Writer’s email: Benjamin.glover@graphic.com.gh
Sunday, 28 April 2013
POTAG leadership shoots down strike call by Kumasi branch
The leadership of the Polytechnic Teachers Association of Ghana (POTAG) has described the intended strike declared by the Kumasi chapter of the association as illegal, since the national congress of POTAG has not sanctioned any such action.
The Kumasi Polytechnic branch of POTAG has threatened to embark on an industrial action on May 3, 2013 over unresolved conditions of service of its members, but in a sharp rebuttal, the General Secretary of POTAG, Mr. Oswald Atiga, told the Daily Graphic that no such decision was arrived at by POTAG at its congress at the Accra Polytechnic about two weeks ago.
“At no point did congress mandate any chapter or the national POTAG to go on strike,” he said.
Mr. Atiga, who is a lecturer at the Bolgatanga Polytechnic, said although the Chairman of the Kumasi Polytechnic branch of POTAG, Mr Edmond Peprah, had suggested a strike during the Accra congress, it was rejected by the other nine chapters.
Members of the Kumasi chapter of POTAG accused the national leadership of failing to defend the cause of polytechnic teachers but rather appeared to be speaking for the government with regard to negotiations on category two allowances.
Mr Atiga said the POTAG leadership strongly and vehemently rejected “this baseless accusation by the Kumasi chairman”.
He said contrary to the accusation by the Kumasi chapter, the leadership of POTAG was in touch with the Fair Wages and Salaries Commission (FWSC) to speed up the convening of a second meeting on category two allowances, adding that the “issue of strike is not on the cards for now”.
Story: Benjamin Xornam Glover, Bolgatanga
Writer’s email: Benjamin.glover@graphic.com.gh
http://graphic.com.gh/Education/potag-leadership-shoots-down-strike-call-by-kumasi-branch.html
7 Communities abolish practice of killing infants with deformities(Front Page, April 29, 2013. D/G)



Thursday, 25 April 2013
Threat to stalled Vea Irrigation dam wall project
Story: Benjamin Xornam Glover, Tono
The Vea Irrigation Dam Project risk collapse if rehabilitation works is not resuscitated before the this year's raining seasons sets in.
Rehabilitation works have stalled on the dam wall project as a results of disagreement between the contractor and some community members of Vea and according to the Vea Irrigation Dam Scheme Mr Joseph Mahama Salifu, if the disagreement is not sorted out immediately for the contractor to return to site, the dam wall, which have developed gullies as a result of a weakened boulders and erosion could give way.
Mr Salifu said this when he briefed the Upper East Regional Minister, Alhaji Limuna Mohammed-Muniru and his deputy, Mr Daniel A. Syme during a working visit to the Irrigated Company of Upper Region, (ICOUR) site at Tono in the Kassena-Nankana East Municipality of the Upper East Region.
The disagreement on rehabilitation works of dam wall at Vea has been as a result of disagreement between the contractor and some community members including the "Tindana" (Spiritual landowner) over access to some raw materials needed for the rehabilitation of the dam wall.
As a result of the disagreement some youth embarked on a demonstration and the police intervention led to the shooting and killing of one of the young men, a university student. The project was awarded to Messrs Eunitack Services Exchange Limited in October 2010 and was expected to be completed in December of 2012.
The Vea dam, apart from being an irrigation dam project also serves as a source of raw water intake for potable water treatment and supply to the over one million people in the Bolgatanga Municipality
The Upper East Regional Coordinating Council has initiated steps to ensure that the rehabilitation works does not unduly delay but it appears the interventions haven't succeeded
At Tono, the Scheme Manager Mr. Sebastian Bagina said some of the serious impact of the Toni project is seen in the improved livelihoods of the farmers within the project area.
Today, we can see that more of our farmers are able acquire property and send this ward to school even up to the university level.
He added that the community are also able to access fresh vegetables and this has led to improvement of nutritional status and also contributed to food security in the region.
The project have also boosted employment as a number of youth are gainfully employed.
He said a total of 1,500 out of the total of 2490 hectares of land for available are put under cultivation annually. he explained that the remain land is not utilized because those fields and the canals have become weak while others are under rehabilitation.
He said in spite of some gains made, the project suffers some challenges, among which are the worsening drains and road infrastructure leading to the site.
He said between the year 2007 and 2009, the Tono scheme witnessed a major rehabilitation of the main gravity system which has been in operation for the past 30 years.
Mr. Bagina said the challenge now is with the secondary canals, that is the lower level canals which is impeding food production.
Another challenge he said is the lack of appropriate machinery to aid land preparation, especially,considering the wet nature of the land and appealed to the government for assistance.
The Upper East Regional Minister, Alhaji Limuna Mohammed-Muniru said the initial visit was to familiarize himself with the project and also strategize with management on what steps to take to resolve them so as to boost food production in the region.
"We believe agriculture can contribute so much to job creation. As a social Democratic Party, one of our core pillars is the development of the human capital so whatever we as RCC can do to ensure that the two scheme work effectively and efficiently," Alhaji Mohammed-Muniru said.
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writer's email: benjamin.glover@graphic.com.gh
Clean environment remained the anti dote to the spread of malaria parasites


Tuesday, 23 April 2013
Melcom opens Bolga branck(GRAPHIC Business, Tuesday, April 23-29, 2013 Page 12)

Monday, 22 April 2013
Wulugu health centre abandoned(D/G April 23, 2013 Back Page)

Saturday, 20 April 2013
UDS Navrongo Campus auditorium needs furniture
The Dean of the Navrongo Campus of the University for Development Studies, Dr Kazeem Gbolagade, has expressed concern over the delay in the provision of furniture for the newly constructed auditorium of the institution.
He said the delay, coupled with the lack of basic infrastructure such as a computer and modern science laboratory, and an administration block, among others, was affecting teaching.
Dr Gbolagade said this at a meeting with the Upper East Regional Minister, Alhaji Limuna Mohammed-Muniru, his Deputy, Mr Daniel A. Syme, and other members of faculty at Navrongo during the minister’s working visit.
The Dean said the auditorium project was initiated during the tenure of the late President John Evans Atta Mills and inaugurated recently but could not be put to good use because the funding agencies had not been able to provide the necessary funds for the procurement of furniture to enable the full utilisation of the structure.
Dr Gbolagade also complained about the lack of a modern science laboratory in the school and said students studying science had to sometimes fall on nearby senior high schools such as Navrongo Senior High school for laboratory materials and chemicals to conduct experiments.
He said the university’s computer laboratory would have to be expanded, while work on the road network on campus would have to be expedited to bring relief to members of the university community. He also called for funding for the construction of a wall around the campus to enhance security.
“We know that this government is doing a lot for this campus but we want to believe more can be done to raise the image of this institution,” he added.
The Upper East Regional Minister, Alhaji Limuna Mohammed-Muniru, praised the management and students of the university for the good work they were doing under difficult and challenging conditions and gave an assurance that his administration would do all it could to help create the right environment for effective academic work on the campus.
He said the government took human resource development seriously and it would work closely with the UDS management to evolve the right strategies to help harness and develop the potentials of the youth who passed through the university.
The President of the UDS Students Representative Council, Mr Francis Ampeh, said the Navrongo Campus was facing acute shortage of student hostels and appealed to government and other stakeholders such as SSNIT and GETFUND to invest in that sector to ameliorate the accommodation challenges confronting students.
A lecturer in Economics of the University, Madam Gloria Bob Millar, appealed to the regional minister to use his capacity as Minister of State in Charge of Human Resource Development and Scholarships to secure scholarship for brilliant students at UDS since most students have demonstrated the potential to succeed with little support.
Story: Benjamin Xornam Glover
writer's email: benjamin.glover@graphic.com.gh
http://graphic.com.gh/Education/uds-navrongo-campus-auditorium-needs-furniture.html
90% health institution admission for locals

Monday, 15 April 2013
Children’s Ward of Bolgatanga Regional Hospital Renovated (D/G, May 2, 2013 Page 23)

Pillion rider crushed to death
Story: Benjamin Xornam Glover, Bolgatanga
A young lady in her early twenties was on Sunday night at around 7pm crushed to death after an articulated truck with registration number GR 4871 X loaded with goods ran over her on the Zuarungu-Bolgatanga road.
The deceased, who name the police, gave as Adongo Azure was a pillion rider and was not in a helmet when the accident occurred. They were moving from Zuarungu towards Bolgatanga when they collided with another unregistered Apsonic motor bicycle which was moving in the opposite direction.
According to the Regional Commander of the Police Motor Traffic and Transport Unit, Assistant Superintendent of Police, (ASP), Mr Daniel Kwao Teye, said the unregistered Apsonic motor bicycle, was overtaking the articulated truck but in the process collided with the other motor cycle and in the process throwing the decease under the moving Bawku bound truck.
The truck crushed the decease head and the remains have since been deposited at the Bolgatanga Regional Hospital Mortuary, pending further investigation by the police.
The Upper East Regional has for the first quarter of the year 2013 recorded 14 deaths due to road accidents compared to `15 death recorded for the same period in 2012. ASP Teye said between April 1 to 15 this year, three deaths has been recorded on the roads, adding that numerous educational campaigns including the need for riders to wear crash helmets have gone unheeded.
He however gave the assurance that the police will not relent in its efforts including effecting arrest and processing offenders for courts to curb such needless deaths.
He also urged politicians, chiefs and opinion leaders to give the police the freehand to operate as per the law and stop interceding and pleading for road traffic offenders after they have been arrested by the police.
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Benjamin.glover@graphic.com.gh
Pwalugu Police Academy to receive facelift
Story: Benjamin Xornam Glover, Bolgatanga
The Pwalugu Police Training School in the Upper East Region is to under go a major facelift and refurbishment that will lead to the transformation and establishment of a specialized Police Training School.
Commissioner of Police, (COP) Mr John Kudalor, Director General in charge of Operations announced this during a working visit to the Upper East Regional Police Training School at Pwalugu in the Talensi District.
A statement issued and signed by Assistant Superintendent of Police, (ASP), Mr Thomas Yaw Agbanyo, Upper East Regional Police Public Affairs Officer and copied to the Daily Graphic quoted COP Kudalor as explaining that the decision to transform the Pwalugu Police Training School in region into a Specialized Police Training School is to train police personnel in line with the professional standards of policing in the world.
It further quoted COP Kudalor as saying that the Pwalugu facility was chosen for such purpose because of it remoteness, the terrain and the robust nature of the area to meet the changing and challenging needs of the Ghana Police Service.
He said feasibility study for the school including the renovation and reshaping of the existing facilities to meet the requirement that would be needed for the establishment of the specialized training school will soon be carried out.
COP Kudalor said after the refurbishment of the existing facilities, personnel who will be passing though the institution will receive training in riot control, public order management, and first aid to victims of accidents, traffic management and operational and defensive driving.
He said in addition, the Formed Police Unit of the service and the Armored Car Squadron of the Ghana Police Service will also be trained at the school. Other area of study will include snipers, anti terrorism study, negotiators, mediators and rescuers of kidnappers as a way of meeting the requirements of modern day policing.
He reiterated the fact that all these arrangements is meant to meet the changing and challenging trends of policing which is the best practice across the world.
During his tour of the region, COP Kudalor addressed the current recruits on admission at the school and told them discipline formed the core of policing and that any untoward act on the part of the recruits, would not be countenanced.
He urged them to take their training seriously in order to become better policemen and women in the future.
COP Kudalor was accompanied by Commander of the Reformed Police Force, Chief Superintendent Mr Hamza Yakubu, the second in Command of the Rapid Deployment Force, Deputy Superintendent of Police, Mr Alex Adjevie, the second in Command of the Reformed Police Force, Superintendent of Police, Mr Ackom and the Staff Officer of the Director General, Operations, Assistant Superintendent of Police, Mr Turkson.
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Benjamin.glover@graphic.com.gh
Friday, 12 April 2013
Improving tourism holds the key to eradicating poverty
B-Poly initiates steps to tackle post harvest losses
Monday, 8 April 2013
Doctors in UE attend to clients on humanitarian grounds
Story: Benjamin Xornam Glover, Bolgatanga
A visit to the Bolgatanga Regional Hospital on the first day of a nationwide strike called by the leadership of Doctors and Pharmacists revealed that these health workers were at post rendering services, albeit on humanitarian grounds
During a visit of the hospital, almost all the consulting rooms were occupied and clients were seen waiting their turn to see the doctors and physician assistant on duty. The Bolgatanga Regional Hospital as a total of five doctor population and two pharmacists, a situation expects say is far below standard.
Some patients at the Out-Patient Department who spoke to the Daily Graphic praised the workers for opting to continue working and supporting health care delivery.
“Ours is a peculiar region. We are severally disadvantaged when it comes to the availability of doctors and other critical health workers. I want to believe that is why it becomes so difficult for the few medical doctors here to completely shut their doors to us. We salute them” said Mr Benjamin Nsor at the Out –Patient Department of the Regional Hospital in Bolgatanga, who also indicated he shares in the doctors call for better conditions of service.
Another patient, who gave her name as Cynthia said she reported to the hospital with a waist problem but thankfully, she had been seen by a doctor and given the appropriate prescription to receive drugs from the hospital’s pharmacy.
He however pleaded to government to ensure that the demands of the health workers are met so that they will continue to serve the people of the region
In a related development, the Regional Health Directorate has indicated that some contingency plans are in place to ensure services are not disrupted and minimize the impact on patients should the strike action becomes more intense.
The Regional Director of Health Services, Dr. John Koku Awoonor-Williams who said this when the Upper East Regional Minister, Alhaji Limuna Mohammed-Muniru called on him at discussed the effects of the strikes on medical service delivery was optimistic that doctors will continue to see patients who need care.
“Honestly in the Upper East Region, even tough, there have been a series of strikes in the past; we have always managed the situation. We have the full understanding and support of the medical team, be they doctors, nurses and pharmacists, mainly due to the critical situation the region finds it self in and we hope to count on that cooperation” he said.
He said some of the staff at the regional health directorate are on standby and when the situation becomes critical they will be deployed to support the Medical Superintendents and the Cuban Medical Brigade in the various districts.
“For the pharmacists, we are going to relay on pharmacy technicians to support by if the situation becomes too critical, for all OPD cases, we will write prescriptions and ask patients to purchase the drugs outside the facilities while we serve only in patients”, Dr Awoonor-Williams said.
He said generally, the region lacks many critical staff of all grades including doctors, nurses midwifes, pharmacists and Technicians. He added that each district hospital is solely manned by a medical superintendent and with the help of the Cuban Medical Brigade and that long term plan for the region put in place a well structured motivational package to attract more medical workers into the region.
The Upper East Regional Minister, Alhaji Limuna Mohammed-Muniru commended the Regional Health Directorate for being proactive and putting together an action plan to handle the situation during this crisis period.
He urged the health authorities not to hesitate to contact the Regional Coordinating Council for any form of support to ensure health care does not grind to a halt while government engage the doctors and pharmacists to address the differences.
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Benjamin.glover@ygraphic.com.gh
Friday, 5 April 2013
UE regional minster join Muslims in Navrongo for Islamic prayers
Story: Benjamin Xornam Glover, Navrongo
The Upper East Regional Minister, Alhaji Limuna Mohammed-Muniru on Friday joined the Muslim community in Navrongo for Islamic prayers as part of the national day of prayers and thanksgiving.
Addressing worshipped after the service, Alhaji Mohammed-Muniru pledged to work with all persons towards the attainment of government goals for the region.
He urged the Muslims clerics and faithfuls to continue seeking the face of Allah to guide the leadership of the country in their governance.
Earlier, Alhaji Mohammed-Muniru and his deputy, Mr Daniel A. Syme paid courtesy calls on the traditional rulers of Navrongo and Sandema as part of a programme to introduce themselves and seek their support and partnership towards the governance of the region.
during the visits, the regional minister expressed appreciation to the chiefs and people for thieir support which culminated in the victory of the NDC.
He promised to work with all irrespective of their religious and ethnic background towards addressing the needs of the region, which he identified as poverty, illiteracy and disease.
He also assured the chiefs of an openness in his administration and urge the traditional rulers to feel free to contact him any time of the day so that collectively, they can work towards addressing the development challenges of the region.
"With the support of my deputy and your support, we will overcome our major challenges and achieve the targets for which we have been sent here"
At the Sandema palace where he was received by Baba Azagsuk Azantilow, the regional minister in responding to a request for the establishment of a college of education in Builsa as part of government's overall vision of creating new colleges of education, said the issue will have to be thoroughly discussed with all stakeholders to arrive at an acceptable decision.
The regional minister said he was ready to work with all in the region adding that "even if my tenure in this region is just for a day,I will want to make a loud noise and impact so that one day, people will say during my reign, the region experienced the best of development"
He tasked all Municipal and District Chief Executives to submit to his office a list of at least five key campaign promises. Made by the president during his campaign to allow for prioritization and effective roll out by the regional coordinating council towards the improvement of the livelihoods of the people.
End
Writer's email: benjamin.glover@graphic.com.gh
Thursday, 4 April 2013
Customs appeals for support to move out encroachers of no man's land on the Ghana – Burkina Faso Border at Kulungungu
Story: Benjamin Xornam Glover, Kulungungu
Some Ghanaian and other nationals have encroached on the no man's land of the Ghana – Burkina Faso Border at Kulungungu in the Pusiga District of the Upper East Region.
The encroachers are said to be illegally using the land located within no man's land on the Ghana side to carry out businesses by constructing permanent houses as well as makeshift huts and sheds there. Traders, who bring in goods, keep these items in their homes and sheds in the no-man’s land and under the cover of darkness, sneak these goods in evading tax payments
The Senior Revenue Officer of the Customs Division of the Ghana Revenue Authority, Mr Stephen Borbor said activities in the no-man’s-land by the encroachers, impede efforts by the security agencies at checking illegal trade which also deprive the state of the needed revenue.
Mr. Borbor therefore appealed to the Upper East Regional Coordinating Council as well as the Pusiga District Assembly to help remove the illegal structures that have sprung up in the border area.
He made the appeal at a meeting with the newly appointed Upper East Regional Minister, Alhaji Alhaji Limuna Mohammed-Muniru and his Deputy, Mr Daniel A. Syme who were on familiarization tour of the area.
“Encroachment is rampant on the border, and it is necessary to take the appropriate action now before the situation gets out of hand.”Mr Borbor said
He also told the visiting delegation that due to the bad conditions of the road between Bolgatanga through Bawku to Kulungungu which link Ghana to its neighboring land lock countries of Burkina Faso, Niger and Mali, haulage truck users from Tema Harbour have diverted their routes and this have affected revenue generation.
While expressing joy at ongoing work on the Missiga-Kulugungu stretch of the highways, he also appealed to government to fast-track rehabilitation work on the Bolgatanga –Bawku road to help the nation generate revenue which is needed to support national development.
On the issue of fuel smuggling, he said anything the CFA appreciates against the Ghana Cedi, the was the propensity of smuggling becomes very high. He said Customs together with other security agencies at the border have intensified its patrols to curb the nefarious activity. However, their efforts are being hampered by the construction of several fuel stations close to the border.
“The distance between Missiga nd Kulungungu is abot 11 kilometers. The vehicle populations are also very low yet we have a lot of fuel dumps springing up. We do not need that much of fuel stations. Their presence here is promoting smuggling, “he said.
He therefore called on the District Assembly and other agencies involve streamlining the licensing regime for the establishment of fuel station to curb the smuggling of state subsided petroleum products,
Also at the meeting were personnel of the Ghana Immigration Service. Mr Samuel Ametsitsi, Assistant Controller of Immigration told the regional minister and his entourage that one major challenge faced by the service is the non use of endorsable documenters by traveler plying that route. This he explained makes it difficult by the service to profile persons who use the entry point at Kulungungu.
He suggested that if possible, Ghana Immigration Service should have 100 per cent access control of the border.
The Upper East Regional Minister, Alhaji Alhaji Limuna Mohammed-Muniru commended the personnel of the Customs Division, Ghana Immigration Service, Port Health and Disease control their various roles at ensuring that the smugglers did not deny the country of revenue.
He promised to work closely with them and the Pusiga District Assembly to collectively find solutions to the myriad of challenges that confront them. He also pledged to tackle the problem of rampant sitting of petrol station close to the countries entry points.
The Upper East Regional Minister, Alhaji Alhaji Limuna Mohammed-Muniru and his deputy, Mr Daniel Syme had earlier paid a courtesy call on the Paramount Chief of the Bawku Traditional Area, Naba Asigri Abugrago Azoka II to introduce themselves and assure the chief of readiness to work in partnership with the traditional rulers to help develop the region.
Alhaji Mohammed-Muniru stressed the need for peace since without it no meaningful development can take place. “Our common enemy is poverty, illiteracy and disease and we must come together to fight these trio.” He said.
Bawku Naba, Asigri Abugrago Azoka II on behalf of the people of Bawku wished the regional minister and his deputy well and pledged to work with the regional minister to ensure the rapid development of the Upper East Region.
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benjamin.glover@graphic.com.gh
UE Regional Minister enlist support of chiefs

Tuesday, 2 April 2013
Ex-Doe and Chicago entertain fans at Vea


Guinea Fowl dialogue: Is there anything more we should know? (Tuesday, April 2,2013 Page 10)
Monday, 1 April 2013
BUCOBANK STRIVING FOR EXCELLENCE IN THE RURAL BANKING SYSTEM


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