Consumer protection and quality of life in Africa through competition
Transcription
Consumer protection and quality of life in Africa through competition
Consumer Protection and Quality of Life in Africa Through Competition and Regulation al n In te ns u me r s C o 2004 Annual Report r n t io a AFRICA OFFICE Annual Report 2004 Consumers International Africa office (CI-ROAF) Consumers International is an independent, non profit and non political federation of consumer organisations formed in 1960, and currently linking 238 organisations in 120 countries. The organisation has an observer status with the United Nations Economic and Social Council and its specialised agencies such as FAO, WHO, Codex Alimentarious etc, as well as with regional and sub-regional institutions such as the Economic Community of West African States (ECOWAS). The Regional Office for Africa (ROAF) co-ordinates and provides support through research, information networks, publications, regional and international seminars, workshops, etc. to more than 120 organisations in 46 countries in Africa. The main function of the ROAF is to build and develop the consumer movement in Africa and to represent consumers at regional and international fora. Published by: Consumers International Africa Office (CI-ROAF) No 2, La Tebu Close East Cantonments Estates PMB CT 386 Cantonments, Accra Ghana Tel: 233 21 911829 / 21 911878 Fax: 233 21 784370 www.consumersinternational.org/roaf ISSN 1727-2157 Translation: Translingua Editing: Lezak Shallat Layout and design by: Sable Press, Harare, Zimbabwe Printed by: Sable Press © Consumers International Regional Office for Africa (CI-ROAF) September 2005 Consumer Protection and Quality of Life in Africa through Competition and Regulation Preface This second Report on Consumer Protection and Quality of Life continues the series launched in 2003 by the Africa Office of Consumers International. It analyses in a systematic, objective manner the impact that effective consumer policies have on the quality of life of citizens in Africa. An expert team of economists, lawyers, sociologists and econometricians were commissioned by the CI Africa Office for this task. This interdisciplinary group devised a scientific tool to document its research. This tool - the African Consumer Protection Index (ACPI) provides a comparative measure of the effectiveness of consumer protection across different countries. This Index surveys existing legal and legislative frameworks for consumer policies in participating countries and assesses perceptions held by consumers, business sectors and government agencies regarding their effectiveness. The Index and Reports are important components of a broader programme entitled “Building African Consumers' Capacity and Institutions for a Fair and Transparent Marketplace” (the FTM programme) carried out by the CI Africa Office. This 2004 Report looks at the nexus between competition, regulation of basic services and consumer welfare. Its findings are based on surveys conducted in 20 countries. These reveal that the general perception of African consumers and other stakeholders that competition at the national and regional levels is widely regarded as ineffective. Overall, respondents also hold a poor-to-fair view of the quality of regulation of basic services (water, electricity and telephone) in these countries. A more encouraging note emerging from the 2004 Report is that the participation of consumer organisations in regulatory agencies -- especially public utilities is increasing. Discussions and meetings with CI member organisations and other stakeholders confirm this finding. These conclusions are a source of guidance for Consumers International in its continuing capacity-building efforts, which aim to: foster a culture of competition at the grassroots, national and regional levels reverse the observed lack of effectiveness of representation mechanisms and the limited space for policy dialogue in the formulation and enactment of competition policy reinforce CI members' skills for sustained and credible engagement with utility regulators. I would like to thank all participating consumer organisations and respondents who, along with Aku Burawudi, Lezak Shallat and other CI staff, were instrumental in bringing this effort to fruition. While the analysis and policy recommendations expressed here do not necessarily reflect the views of Consumers International, I would like to express my appreciation to the team of experts, under the coordination of Prof. Moustapha Kassé, who produced this Report. Finally, my special thanks to our partners, the African Capacity Building Foundation (ACBF) and the Norwegian Ministry for Co-operation (NORAD), whose support has helped us turn into reality the vision behind this Report on Consumer Protection and Quality of Life. Amadou Kanouté Director, Africa Office Consumers International September 2005 Annual Report 2004 Acknowledgments Consultants Prof. Moustapha Kasse, co-ordinator Economist Prof. Ake N'gboEconomist Dr. Nouhoun Coulibaly Econometrician Me. Landing BadjiLawyer Participating Consumer Organisations 5 Benin Ligue pour la Défense des Consommateurs au Benin (LDCB) 5 Burkina Faso Ligue des consommateurs du Burkina (LCB) 5 Burundi Association burundaise des consommateurs (ABUCO) 5 Cameroon Mouvement national des Consommateurs (MNC) 5 Chad Association de défense des consommateurs (ADC) 5 Ethiopia AHa Ethiopian Consumer Protection Association 5 Kenya Consumer Information Network (CIN) 5 Malawi Consumer Association of Malawi (CAMA) 5 Mali Association des Consommateurs du Mali (ASCOMA) 5 Morocco Association Atlas Saïs 5 Mozambique Proconsumers 5 Nigeria All Nigerian Consumer Movement Union (ANCOMU) 5 Senegal Association de Défense des usagers d'Eau, d'Electricité, des Télecoms et des Services (ADEETélS) 5 Seychelles National Consumer Forum (NATCOF) 5 South Africa Consumer Institute of South Africa (CISA) 5 Togo Association togolaise des consommateurs (ATC) 5 Tunisia Organisation tunisienne de défense des consommateurs (ODC) 5 Uganda Uganda Consumer Protection Association (UCPA) 5 Zambia Zambia Consumer Association (ZACA) 5 Zimbabwe Consumer Council of Zimbabwe (CCZ) Consumer Protection and Quality of Life in Africa through Competition and Regulation Executive Summary This Annual Report 2004 looks at the relationship between competitive markets and consumer protection in Africa and the potential of competition policy to improve consumer welfare and quality of life. especially in public utilities. Case studies from Zambia describe the benefits and obstacles to this participation. Background This Report aims to: 5 measure the perceptions of African consumers regarding the effectiveness of national competition policy 5 evaluate consumer perceptions of the quality of regulation of household utilities (water, electricity and telephone services) The findings of the surveys indexed in this Report reveal the general perception of African consumers that national and regional policies enacted to regulate competition are ineffective. Consumer organisations in Benin, Burkina Faso, Burundi, Cameroon, Chad, Ethiopia, Kenya, Malawi, Mali, Morocco, Mozambique, Nigeria, Senegal, Seychelles, South Africa, Togo, Tunisia, Uganda, Zambia and Zimbabwe participated in these surveys. The respondents also hold a poor-to-fair view of the quality of regulation of basic services (water, electricity and telephone) in these countries. Surveys found little evidence of participation by consumer organisations in national competition commissions. However, consumer organisations participation in regulatory agencies is increasing, As part of its “Building Consumer Capacity and Institutions for a Fair and Transparent Marketplace” programme, the Africa office of Consumers International has conducted periodic assessments of the level and effectiveness of consumer protection and the impact on quality of life. To this end, it developed the African Consumer Protection Index. The results of its first report were presented in its “Consumer Protection and Quality of Life: Report 2002.” The aims and methodology for the current report were developed in an Expert Planning Meeting held in March 2004 in Senegal. This meeting coincided with a capacity-building workshop on competition policy and consumer protection in which 24 African consumer groups participated, along with facilitators from UNCTAD, COMESA and UEMOA. In February 2005, CI organised a Regional Dialogue on Consumer Policies with representatives from 25 countries. Information on national competition policies was updated and an Action Plan for consumer protection adopted. Annual Report 2004 Methodology Findings Questionnaires were sent to four stakeholder groups: individual consumers, consumer organisations, regulation agencies and competition commissions. The findings indicate that, overall, existing regulation efforts are viewed by consumers as inadequate to ensure consumer protection and improve quality of life. Consumer appreciation of the quality of water, electricity and telephone service regulation was poor to fair. The survey also revealed that consumer organisations are rarely consulted by, and do not participate in, national competition commissions. Data collected from these questionnaires were collated into three separate indexes competition policy effectiveness general perception of regulation perception of the quality of basic service regulation vi Consumer Protection and Quality of Life in Africa through Competition and Regulation Contents Introduction 1 Chapter 1: Competitive Markets and Consumer Protection 2 Neither pure nor perfect competition Rational consumers Corporate power Competition theory Contestable markets Natural monopolies and utilities 2 3 3 3 4 4 Chapter 2: Competition Policy, Law and Regulations 5 Case Study: National Competition Commission Case study: Zambian Commission says 'know the rules' 7 8 Chapter 3: The African Context 9 Chapter 4: The Role of Consumer Organisations 11 Case Study: Open markets in Senegal Case Study: Consumer involvement in Zambia 11 13 Chapter 5: Indexes 14 Data collection Findings 14 14 Chapter 6: Recommendations 16 Tables 17 Table 1: Characteristics of respondents by gender Table 2: Distribution of respondents by residence Table 3: Effectiveness of competition policy Table 4: General perception of regulation agencies Table 5: Perception of quality of basic services regulation by residence 17 18 18 19 20 Appendices 21 1. Methodology 2. Related publications from Consumers International 3. Bibliography 21 21 23 vii Annual Report 2004 Introduction With the advent of globalisation, markets have become a battlefield where companies jockey for dominant position at any cost. Under these conditions, any potential benefits from market efficiency give way to unhealthy competition. Markets are transformed into a race for survival, where the stronger companies are able to suffocate their weaker opponents. Consumers are the victims of this positioning battle because they are used to finance it. Located on the “demand” side of this equation, consumers are at a clear disadvantage in product safety, quality and pricing. Classical economic theory says that competition works best when the market is relatively free of distortions. But developing countries do not meet the conditions for perfect competition. Consumers do not always benefit from the advantages of increased economic effectiveness. 5 5 5 5 develop free and fair competition guarantee the quality of products and services ensure consumer safety protect the economic interests of consumers. Regulatory bodies in Africa have not been able to fulfil these objectives. Reasons for this include: 5 5 5 5 insufficient human, technical and material resources ineffective application poor communication between regulatory bodies and consumer organisations lack of independence. The correlation between greater competitiveness and development is vague, and the experiences of numerous developing countries raise concerns about the impact on consumer welfare from the increased competition resulting from trade liberalisation, investment and privatisation (UNCTAD, 2001). Greater efficiency and effectiveness in regulatory bodies will bring healthier competition to markets. When competition works, it brings lower priced, better-quality goods to the marketplace. Regulation helps governments and consumers to keep powerful business interests in check. In this scenario, consumer protection is paramount, because a market left to its own devices can collapse in a deregulation context. It is consumers who pay the price for insufficient or excessive regulation. The overall objective of this Annual Report 2004 is to promote competition culture at the grassroots level and encourage consumer advocates to lobby national governments and regional groupings for the competition laws and policies needed to strengthen consumer protection in Africa. There is always a regulatory role to be played in the markets. Regulation is the basis for guaranteeing the security of the market, which is the classical domain for formulating laws and policies on consumer protection. 1 Competition commissions, regulatory agencies and consumer organisations can protect the interests of consumers. These are being created in countries around the world in order to: Consumer Protection and Quality of Life in Africa through Competition and Regulation Chapter 1: Competitive markets, consumer protection and corporate power A powerful synergy exists between competition policy and consumer protection. As Blumenthal states: “In its efforts to guarantee the honesty of sellers, consumer protection policy goes beyond the protection of individual consumer interests. It serves the interests of all consumers and encourages competition.” The economic principle of maximising consumer welfare means that consumers must be the main focus of competition-based economic systems. Adequate competition laws are an integral part of effective consumer protection. By promoting the competitive process rather than individual firms, competition policies favour consumers and serve to balance the dominance of producers. Consumer activists believe that competition policy and regulation can be used not only to correct inefficiencies of the market but also to reBox 1 Neither pure nor perfect competition The textbooks tell us that for markets to benefit consumers, competition must be pure and perfect, with numerous companies producing the same product (or service), full information available to consumers for informed purchasing decisions and firms entering or exiting the market without incurring prohibitive costs. distribute income and protect social welfare. Poor and marginalised consumers have, potentially, the most to gain from the opportunities to make better use of their limited resources and from the effects of general economic expansion. As the foundation of the market economy, competition brings together supply and demand. In theory, effective allocation of goods between producers and consumers can be achieved by eliminating constraints and distortions and allowing markets to operate competitively. Competitive markets are, according to this principle, a means of ensuring consumer protection. But markets are generally imperfect, leaving consumers at a disadvantage in terms of information and negotiating power. Monopolistic power and opportunism produce non-competitive markets. The real picture shows that we are far from this perfect world. Among the obstacles to perfect markets are the following: 5 5 5 5 5 5 economies of scale capital requirements switching costs access to distribution channels product differentiation patents. 2 Annual Report 2004 In economic theory, consumer behaviour is based on the premise that consumers are rational beings who seek to maximise their satisfaction and who operate in a market that provides information and transparency. But consumer decisions are also influenced by a diverse range of socio-economic factors, including cultural specifics, level of economic development and access to information. Box 2 Rational consumers? Contemporary consumption is full of advertising, brands, labels and marketing. Firms compete to find ingenious ways of marketing their products. Consumers may feel lost in this world of imperfect and asymmetrical information. This is in stark contrast with classical analysis, which postulates that consumers are perfectly rational and informed about the products they purchase. Corporate power In developed economies, abuse of corporate power has set in motion a profound social movement of rejection. The reputation of “big companies” has never been more damaged and the level of trust in them has never been weaker. Companies impose upon others the burden of market liberalisation while greedily helping themselves to the spoils. The privatisation of national water, electricity and telecommunication services illustrates this point. Privatisation replaced the public monopolies with private monopolies. Expected service improvements and rate decreases have not always materialised. The new corporate owners of these formerly public services are not fulfilling the conditions of these transfers. The corporate push to introduce genetically modified foodstuffs is another case in point. While the debate has often been wrongly framed as the reaction of extremists hostile to science, it is in fact a matter of corporate manipulation and disinformation. Consumers are rightly concerned over legitimate issues of public interest such as environmental contamination, patents on living organisms, biological diversity and control of food stocks at a global level. Companies tend to eschew the need for a regulatory framework in favour of self3 Analysts are fond of citing the adage about customers looking into their innermost beings and becoming rational and independent. The informed consumer relentlessly explores, compares and seeks out the best value for money. No longer will consumers be taken in by devious traders and advertising campaigns. The consumer has become a rational being! Gilles Groleau regulation. At the same time, it is now common to hear company executives cite the public interest as a business strategy. Competition Theory Competition can be viewed from two contrasting economic theories. The classical approach restricts state intervention in the belief that, left to their own devices, firms will behave as competitors rather than partners. However, this principle ignores the power of oligopolies and the massive mergers that have created the multinational enterprises that dominate the international economic panorama. The structuralist approach, in contrast, requires strong state intervention to correct market shortcomings. Measures can take the form of anti-trust laws, bans on mergers, controls over concentration of ownership and others. Neither approach draws a clear distinction between rivalry and competition. Nonetheless, it is important for consumers to understand the difference between them, as consumers benefit from competition, not rivalry. In the view of some economists, rivalry is a process where businesses form strategies to better position themselves in relation to their competitors. Where there is rivalry, there has to be a winner. Consumer Protection and Quality of Life in Africa through Competition and Regulation Competition is a process of rivalry among firms and suppliers in a bid to make money and gain customer loyalty. It allows firms to survive and develop according to their own criteria and at their own risk. Competition leads to lower prices, a wider range of choice and improved quality. It reduces information asymmetry by encouraging sellers to provide truthful and useful information about their products. Businesses prosper in competitive markets when they are able to beat the competition at identifying and serving the interests of consumers. In sectors open to competition, innovations develop at an accelerated rate. Enhanced efficiency and productivity as a result of competition can lead to increased economic revenues. Box 3 Contestable Markets Open competition among multiple service providers is not a panacea. Competition must take place in 'contestable' markets, where competitive pressure is exerted by existing producers and the arrival of new entrants to the market. Natural monopolies and utilities Natural monopolies that provide a public service (e.g. water, electricity and other utilities) constitute an exception to the laws of competition and must be regulated accordingly. In many cases, liberalisation and privatisation have transferred these services from the public to the private sector, turning them from public monopolies to private ones. Yet the nature of the service they provide means that consumers cannot opt for alternative service provision. These require special regulatory mechanisms. “Contestability” of markets and businesses can also be understood from a consumer policy standpoint. Consumers need ways of making their voices heard and contesting the decisions of companies. The Declaration of the 17th CI World Congress (Lisbon 2003) states that: "changes in the management and regulation of public utilities (e.g. water and sanitation, electricity, gas, public transport, postal services, telecommunications)… directly affect the price, quality and reliability of these services and access to them, and thus the most fundamental rights of consumers. The consumer interest should be the overriding concern in planning the future of these services. ... There should be consumer participation and representation in the regulatory process and the monitoring of those industries." 4 Annual Report 2004 Chapter 2: Competition policy, laws and regulation Competition policy emerged in the late 1800s, first in the United States and subsequently in Europe. Competition policy is virtually non-existent in emerging economies, where markets are unfettered and self-regulation is the norm. However, the ineffectiveness of self-regulation, especially in the area of natural monopolies, has become synonymous with non-regulation. The 1990s saw a rush to enact legislation governing competition and price liberalisation. This type of legislation has as its primary aim the regulation of the market and the efficiency of economic agents, and not the protection of consumer interests. Box 4 Competition Policy Competition policy seeks to create a situation where no firm wields more power or economic efficiency than any other and where Regulation and regulatory agencies Regulation is defined by some economists as the ongoing monitoring by a public agency of activities that affect the community. The following elements must be monitored: 5 5 5 5 breakdowns in competition public property external factors incomplete markets. Prerequisites for effective regulation Independence: To be effective, the body that determines regulatory policy must be 5 Common features of these laws are their bans on: 5 agreements aimed at directly or indirectly setting the selling price and hindering market-driven price setting by artificially facilitating the increase or decrease of prices; in particular, agreements between companies at different levels of production or distribution concerning resale prices 5 abuse of a dominant position associated primarily with limiting production, outlets or technical development to the detriment of consumers. “Dominant position” is defined by the Court of Justice of European Communities as a company's “capacity of behaving independently” in the face of competition. business concentration is permitted for cost reductions purposes only. Emmanuel Combes, Collection Repères independent. Lack of independence can lead to manipulation and corruption. Transparency should be the foundation of procedures, codes of conduct, decisions and any sanctions that have been imposed. Market discipline: Without discipline, markets lose their points of reference. The resulting inefficiencies can compromise consumer welfare. Regulation of competition has two basic components: regulations on market structure and regulations on behaviour (anti-competitive practices). Regulations may be set directly (by controlling the cost of services) or indirectly (with price ceilings), among other mechanisms. Consumer Protection and Quality of Life in Africa through Competition and Regulation Regulatory agencies Regulatory authorities are indispensable institutions to modern states. Most are jurisdictional bodies created by law. Regulatory agencies may have the faculty of suspending companies that breach anti-competitive rules. When regulatory agencies act as a jurisdictional authority by imposing sanctions, its decisions can be submitted to the competent appeal courts. When they are performing administrative tasks, regulatory agencies may share certain responsibilities with the executive branch of the government. Box 5 Regulatory agencies Mission: 5 protect consumers from monopoly abuse 5 protect investors from arbitrary policies 5 encourage investment and effective development 5 minimise intervention costs Regulatory agencies enjoy varying degrees of independence. In some countries, the President has the authority to appoint and dismiss members. Independence may be linked to receipt of financial resources from the government. Regulatory agencies have multiple objectives: 5 prevent and sanction anti-competitive practices 5 create conditions for the financial viability of companies in a sector 5 research applications for approvals, authorisations or licences that enable companies to invest in a sector 5 protect consumer rights in regard to product price, quality and supply Responsibilities: 5 regulate and adjust the price of services and infrastructures 5 control the quality and standard of services offered. 5 monitor competition among companies 5 arbitrate in disputes Source: World Bank Institute How Regulatory Agencies operate Funding of Regulatory Agencies As judicial bodies, regulatory agencies enact rulings and hold hearings on cases presented to them from consumers, their representatives or other parties, including the government. Regulatory agencies are generally State funded but may also receive income from administrative fees levied on companies for permits or licence applications. A simple letter may suffice to submit a case and no fees are payable, making these jurisdictions highly accessible to consumers. Reliance on government funding may compromise the independence of regulatory bodies. The following market-based mechanisms may provide alternative sources of funding: Regulatory agencies have broad investigative authority and can request and obtain technical, economic, accounting, financial or commercial information from firms and individuals. They are also empowered to hold expert consultations. Mandatory publication of rulings in the official government bulletin and/or a national newspaper constitutes an act of transparency and good governance. 5 Funding by offenders: Economic sanctions, which should be high enough to be discourage infractions, can be used to fund regulatory activities. 5 Funding by beneficiaries: Regulatory bodies can be financed by consumer activity through VAT taxes or similar mechanisms. Sanctions can include temporary or permanent closure of the firm in question, or the levying of fines. 6 Annual Report 2004 Box 6 Funding of Regulatory Bodies: Developed Developed Country Models Country Models As regulatory bodies develop, they are called upon to demonstrate their independence from day-to-day political interference while exercising governmental functions. This is not an easy balance and raises issues of funding of the offices themselves. An interesting development in recent years is that, as regulators evolve, some of their functions are “hived off'” and separately funded from their core functions as economic regulators. So while the main economic regulation function remains directly State funded, others (e.g. representation of consumers and complaints handling) may be funded differently. For example, in the US and Canada, it is common practice for price alterations to be approved through a process of rate hearings. Conducted by regulators on judicial lines, these hearings allow providers and consumers to present evidence, require disclosure of documentary evidence and permit the cross examination of fellow protagonists. As the costs of the hearings are passed on to consumers by the providers, consumer association costs may be paid by the tribunal. Sometimes the cost of consumer representation is funded by a small levy on consumers' bills. The UK has an elaborate structure of consumer representation for water and energy. In the past, complaints-handling was carried out by regulators. But the position now is for complaints-handling to be dealt with by independent watchdogs financed by a levy placed on the industry and calculated as a percentage of revenue. These developments raise the issue of independence not only from the regulator but also from industry and government. This should be reinforced by rules on conflicts of interest, research capacity and freedom of information (both access and disclosure to others) and the right of appeal. This is difficult if the consumers are actual members of the regulatory boards, and so the arms-length relationship that comes from industry levies may be a viable source of funding. But consumer representation, once established, is hard to suppress. Robin Simpson, Consumers International National Competition Commissions National competition commissions are judicial bodies established by competition and price liberalisation laws. In countries where these types of commissions are relatively new, they may still lack necessary implementation structures and resources. Commissions are generally composed of magistrates and experts in competition or consumer issues. The State is generally represented by a Ministry of Trade official. Competition commissions have the right to take up cases and to rule on any practice deemed 7 contrary to competition. Consumer organisations may refer cases to them, as can governments and businesses. Firms and individuals under investigation are given the opportunity to legal representation and defence. Competition commissions may order the cessation of anti-competitive practices within a specific period of time. Fines may be imposed. Decisions are generally subject to appeal. Competition commissions are meant to be independent. However, commission members are often appointed by Presidential decree and budget resources come from the national treasury. Many lack the resources necessary to carry out monitoring and assessment activities. Consumer Protection and Quality of Life in Africa through Competition and Regulation In some countries, commissions are distinguishing themselves by their boldness, particularly in tackling price fixing in telecommunications, pharmaceutical and petroleum sectors. Unfortunately, their decisions are not always implemented. Suspension of anti-competitive practice and the imposition of fines are temporary measures that may not prevent the sanctioned company from future abuses. Box 7 Case study: Zambian Commission asks consumers to know the rules The Zambia Competition Commission (ZCC) is a statutory body established under the Competition and Fair Trading Act. The Commission is charged with preventing anticompetitive conduct and encouraging efficiency in business as a means of fostering greater choice for consumers in price, quality and service, and ensuring that consumer welfare is protected in dealings with producers and sellers. The Commission has among its attributes the resolution of consumer complaints. Over the past five years, the Commission has seen a considerable increase in the number of complaints received. In 2004, it received a fourfold increase in the number of complaints presented over the previous year. But its efforts could be more successful if consumers would follow the stipulated procedures. The Commission is concerned that “consumer rights illiteracy” is keeping consumers from filing, and winning, complaints about abusive business practices. The Commission conducts awareness programmes and has drawn up guidelines to assist consumers in their dealings with producers and sellers. The Commission calls upon consumers to know their rights and obligation, and to familiarise themselves with complaint procedures so that their testimony and documentation is irrefutable and in court. 5 5 5 5 5 5 obtain the information necessary to evaluate and choose between products inspect goods before purchase. inform themselves of product guarantees and warranties, and their expiration dates. demand a receipt or other proof of purchase. return defective goods as soon as possible do not tamper with goods covered by product warranty. Consumers are asked to undertake all the above steps before filing a complaint with the Commission. Only if the consumer is not satisfied with the response from the seller should a complaint to the Commission be presented. In cases of adulterated food, consumers are asked to take a sample to the Lusaka City Council Department of Public Health for analysis. Should a defective product cause personal injury, the consumer should seek medical attention from a recognised medical doctor and obtain a medical report. Consumers may have the right to seek damages in a civil suit. The Commission has the power to launch criminal proceedings on behalf of the public interest against manufacturers of unsafe products. --- from Consumer Watch, ZACA/CUTS-ARC (Zambia) Vol. 1., Issue No. 3, July 2005. 8 Annual Report 2004 Chapter 3: The African context In Africa, competition policy and consumer protection must be viewed from the context in which market mechanisms have failed. markets hindered access by African consumers to reliable information. Increased economic and financial imbalances, growing indebtedness and stagnation of production forced African states to abandon development policies centred on a vast public and parastatal sector. At the same time, African companies have not been competitive, due to constraints on lowering production, the costs associated with importing capital equipment and semi-processed goods, and a limited capacity to innovate and incorporate foreign technology. In the 1980s, most African countries shifted from interventionist and trade protectionist policies to liberalisation and gradual deregulation, with the aim of building a competition-based, competitive and market-driven economy. The public and parastatal sector established at independence was dismantled and subsidies lifted. Under the structural adjustment programmes promoted by the International Monetary Fund and World Bank in the 1990s, African countries began the dual process of economic liberalisation and state withdrawal from productive sectors. But this shift has not brought the desired results. Prices of consumer goods weigh heavily on consumer expenditure and undermine purchasing power. Expected improvements in quality from deregulation have not occurred. Consumers did not benefit from wider choice, as was anticipated. Several factors have contributed to these poor results. Imported consumer goods consisted mainly of manufactured products from monopolistic markets or oligopolies. Consequently, prices did not decrease. The information asymmetry characterising these 9 The legal panorama The establishment of competition and consumer protection policies in Africa is in its infancy, although it is growing steadily. In the last two decades, an increasing number of African countries have adopted economic reform policies that place greater reliance on market forces and less emphasis on government intervention and control. These policies include liberalisation of trade through the removal of trade barriers, liberalisation of financial markets, privatisation of state-owned assets, removal of price controls, reduction of subsidies and liberalisation of exchange controls to encourage investments. National legislation At least 12 African governments have enacted national competition laws. The accompanying chart on page 11 shows the state of competition legislation in the region. In the South African Development Community (SADC), Namibia, South Africa, Zambia and Zimbabwe have practical experience in applying competition laws. Consumer Protection and Quality of Life in Africa through Competition and Regulation In the Common Market for Eastern and Southern African States (COMESA) region, Kenya and Angola have enacted national competition laws and have operational competition commissions. In the Economic Community of West African States (ECOWAS), Burkina Faso, Côte d'Ivoire, Mali, Niger, Senegal, Togo and Guinea have competition policies in place. Regional integration The other route for the implementation of competition laws in Africa goes through regional integration. Integration is aimed at developing and strengthening the capacities of national competition authorities to deal with transnational corporations. Integrated competition policies are likely to promote competition and consumer welfare in the region. Economic integration is considered as a process by which inter-dependence is established between national economies through increases in the exchange of goods, services, capital and labour. Inter-dependence is also established in the form of harmonised economic policies, joint projects and standardised laws. This implies the intensification of competition among economic operators. To achieve sustainable economic growth in Africa, national competition laws and policies must be harmonised through regional frameworks. The most advanced regional groupings in terms of formulating; adopting and harmonising competition laws and consumer protection policies are the COMESA and the West African Economic and Monetary Union (UEMOA). COMESA's December 2004 Regional Competition Law includes a provision on consumer protection. UEMOA has adopted a Regional Competition and Anti-Dumping Law that sets up a redress mechanism for anticompetitive practices. Its Common Industrial Policy framework also has a regional mechanism for accreditation, standardisation and product quality. UEMOA recently formulated a regional consumer protection bill. In the SADC bloc, Article 25 of the SADC Protocol on Trade obligates its members to implement measures to prohibit unfair business practices and promote competition. Regional integration has contributed to the concentration of economic power. Liberalisation has ushered in the creation of producer, sectoral and professional organisations. Businesses have formed chambers of commerce to promote their common interests. Collusion through agreements on pricing, market segmentation, production limits or quotas is found in many sectors. Examples of this abound in Africa, where commercial banks generally charge the same interest rates, oil companies sell petrol for the same price and transport operators charge identical rates, despite differences in costs, scale and operational efficiency. Regional economic liberalisation has also opened the door to a flood of substandard and dumped products that weak national regulations and monitoring of quality standards has been unable to control. 10 Status report Enactment of competition legislations in Africa Countries with existing competition laws Countries with an existing draft on competition laws Countries with in the process of drafting a bill or other instrument on competition COMESA countries Countries & membership type Existing law on competition Existing draft on In the processof Sub-regional competition drafting bill / & Regional levels other instrument In the process Angola / C Benin / A, A, A Burkina Faso/ F Burundi / C Comoros / Nm Côte d’Ivoire / A Dem.c Rep. of Congo / C, C Djibouti / Nm Egypt / A Eritrea/ Nm Ethiopia / C Guinea Conackry / C Ile Maurice / F Kenya/ F Madagascar / C Malawi / A Mali / F Mauritius / F Morocco / A Namibia / G Niger / C, C Rwanda / A Senegal Seychelles / F Sudan / C Togo / C, C Uganda / A Zambia / F Zimbabwe / F CI membership status A = Affiliate members G = Government affiliates 11 C = Contact members Nm = Non-members F = Full members Annual Report 2004 Chapter 4: The role of consumer organisations Consumer organisations have a clear philosophy: the aim of economic activity is to satisfy consumers. The consumer movement is not opposed to market liberalisation per se, but it advocates the enactment of the regulations necessary to control abuses that occur as a result of liberalisation. competitive practices, consumer organisations are ideally placed to: Great progress has been made in consumer protection over the last 40 years. In 1985, the international community accorded consumer rights their full importance with the adoption of the UN Guidelines on Consumer Protection. There are now comprehensive laws in the OECD countries and in many Latin American countries. Even China, in its transition to a market economy, has a vast network of consumer information centres. 5 To date, only a few African countries have enacted consumer protection legislation. Four countries Botswana, Malawi, Seychelles and Tunisia have functioning consumer protection laws. Legislation has been drafted in Benin, Burkina Faso, Burundi, Chad, Ghana, Mozambique, Namibia, Niger, Rwanda, South Africa and Uganda. Legislation is in the process of being drafted in Ethiopia, Kenya, Nigeria, Zambia and Zimbabwe. 5 5 5 5 5 monitor the market refer anti-competitive activities to regulatory authorities for appropriate sanctions. conduct advocacy based on evidence of restrictive business practices lobby for the adoption of appropriate corrective measures conduct consumer awareness and education campaigns orient consumers about the possibilities and procedures for redress. Training and consumer rights awareness allow consumers to play their role in regulating the market. Consumers need to know both their rights and the obligations of manufacturers and distributors. Consumers can use a combination of legal measures and market-based activities to see that these are enforced. The spread of consumer defence NGOs around the world and the proliferation of electronic networks and digital technology means that information to combat fraud, price-fixing and other anti-competitive practices can be easily shared among activists in many countries. Consumer groups play an important role in consumer protection. In terms of combating antiBox8 Case Study: Open markets in Senegal Should a shopping basket containing only Senegalese products be imposed on consumers? The Senegalese Consumer Organisation (ASCOSEN) says "No". ASCOSEN rejects the “hostile” position toward Chinese imports held by the National Union of Traders and Industry of Senegal (UNACOIS). 12 Consumer Protection and Quality of Life in Africa through Competition and Regulation ASCOSEN views the UNACOIS position as an "attack" on the rights of Senegalese consumers. ASCOSEN believes that obstacles to goods from China breach the principles of international law and free trade subscribed to by Senegal, and could infringe upon the fundamental consumer right to satisfaction of basic needs. ASCOSEN defends the consumer right to free choice based on purchasing power and sovereign decisions. Representation Consumers are increasing their representation and participation on regulatory boards, especially in the utility sector. Forms of consumer representation and/or participation in the region include: ASCOSEN calls upon authorities to investigate the practices of UNACOIS traders, including sale of expired goods. ASCOSEN is working in alliance with Rencontre africaine des droits de l'homme (RADDHO), the National Union of Senegalese Consumers (UNCS), the Confederation of Independent Trade Unions (CSA) and the National Council for Protection of Citizens' Purchasing Power (CNDPA). contract conditions for concessions and leases) are absolutely necessary for consumer organisations to exercise real representation. These must be backed by the force of law. Principles of consumer representation 5 5 5 5 membership on the administrative board of the water holding company (Senegal) membership on regulatory boards (Burundi, Zambia, Chad, Cameroon) participation in public hearings (Ghana) 5 5 5 Membership on regulatory boards is not inconsistent with independence if there is full access to information and no duty of confidentiality about the matters discussed. Guarantees of full disclosure of key matters (e.g. 5 5 5 terms of reference: domestic consumers, price, quality, and complaints geographical structure should reflect the structure of the industry independence from industry, regulators and government research capacity in-house or budget for commissioned work. freedom of information (e.g. transparency of contracts) right of appeal against regulatory decisions resources Box 9 Consumer participation on utility regulatory boards In Africa, consumer involvement in utility regulation is spreading. In Burundi, a representative of the Association Burundaise des Consommateurs has been appointed to the National Commission on Water and Energy, an oversight body. The Consumers Association of Ghana represents consumers on Ghana's public utility regulatory board. The Zambian Consumer Association is working with the National Water Supply and Sanitation Council to establish consumer watch groups nationwide to deal with complaints about water services. In Kenya, the Consumer Information Network seeks a seat on the Water Services Regulatory Board. In Senegal, the Association de Defense des Usagers de l'Eau (and other utilities) sits on the water regulatory council and on the board of the national water holding company. Robin Simpson, Consumers International 13 Annual Report 2004 Box 10 Case Study: Consumer involvement in Zambia The Zambia Consumer Association (ZACA), a CI member, works on competition issues on several fronts. 5 5 in its duty to control price hikes and extend service to the unserved. ZACA director Muyunda Ililonga has found that participation on regulatory bodies is fraught with challenges. “Consumer groups are viewed as an interest group lacking in objectivity. Other stakeholders tend to mistrust them, particularly with critical information. Consumer groups are viewed as lonely voices on behalf of an undefined and unorganised constituency.” Monitoring: Its Consumer Watch project monitors the activities of the national regulatory agencies and national enterprises. Its Consumer Watch Newsletter (produced with the Consumer Unity and Trust Society Africa Resource Centre), “strives to support” the work of the Zambia Competition Commission in preventing anti-competitive practices. A recent issue of the newsletter gives a glimpse of the range of its concerns: alleged collusion among mobile phone providers in Zambia, fuel price increases and diesel shortages, consumer perspectives on the liberalisation of the transportation sector, and analysis of proposed electricity price hikes. Nonetheless, consumer representation on regulatory bodies is “beneficial,” he believes. “Consumer groups bring to the table critical consumer-related issues that no other stakeholder government, private sector or academic can elaborate. Consumer groups receive complaints from consumers, therefore they speak from experience.” Participation in regulatory council: ZACA is working with the National Water Supply and Sanitation Council to establish a nationwide network of consumer watch groups to deal with complaints about water services. ZACA's goal in working with NWSSC is to support this regulatory agency Ililonga believes that, in addition to complaintshandling and policy work, consumer organisations should focus their energies on mobilising consumers. “It is the number of people behind them that will give consumer groups the negotiating power and political clout they currently lack to achieve their goals.” 14 Consumer Protection and Quality of Life in Africa through Competition and Regulation Chapter 5: The indexes The 2002 Report reviewed the effectiveness and extent of protection of consumer rights in Africa using a consumer rights protection index developed for that purpose. This 2004 Report uses a similar index to evaluate efforts to promote the quality of life of consumers through competition and regulation policy. Three indexes were employed: 5 competition policy effectiveness index 5 index on the general perception of regulation 5 index on the perception of the quality of regulation of basic services (water, electricity and telephone) Data Collection Data was collected from consumers, competition commissions and regulation agencies. Questionnaires were developed for four groups: individual consumers, consumer organisations, regulation agencies and competition commissions. All questionnaires had four sections. Section 1 collected data on the gender and place of residence of respondents. Section 2 looked at the effectiveness of competition policies. Section 3 looked at regulation. Section 4 looked at consumer perception of the quality of basic utilities. Questionnaires for competition commissions and regulation agencies asked respondents to identify a) structure (name, date of creation, missions and method of designating members); b) operating resources (material and human) and 15 effectiveness; and c) relations with consumer organisations. Respondents came from 16 countries: Benin, Burundi, Cameroon, Côte d'Ivoire, Ethiopia, Malawi, Mali, Morocco, Mozambique, Nigeria, Seychelles, South Africa, Togo, Uganda, Zambia and Zimbabwe. In the consumer category, 50 people respondents were selected to collect balanced data from urban, rural and peri-urban areas. A full description of the methodology used to calculate the indexes is contained in the Appendix. Findings 1. Distribution of respondents by gender Table 1 shows that about 59% of male consumers and 40% of female consumers responded to the questionnaire. South Africa is the only country in the sample where the female response rate is higher than the male response rate. 2. Distribution of respondents by place of residence Table 2 shows that most respondents (54.6%) reside in urban areas, followed by the peri-urban areas (24.5%) and rural areas (20.2%). The exceptions were Seychelles, Zimbabwe and Uganda, with greater response from peri-urban areas 3. Competition policy effectiveness index Table 3 shows the general competition policy effectiveness for each country. Indexes for all Annual Report 2004 countries ran between 0.34 and 0.93, which indicates that, overall, competition policy is viewed as being a weak means of improving the quality of life of consumers in countries surveyed. The findings indicate that consumers in Malawi have a better understanding of the competition policy than consumers elsewhere, followed by consumers in Benin and Zimbabwe. The survey revealed that consumer organisations do not belong to and are rarely consulted by national competition commissions. Neither are consumers regularly informed of commission decisions. 4. Indexes on regulation The indexes on the general perception of regulation agencies showed that all consumers have a poor to fair understanding of the importance of these agencies. Table 4 shows indexes between 0.45 and 1.17 for all of utility regulation agencies. Classifying the countries according to this general index puts Côte d'Ivoire in first position, with a general index of 0.94, followed by Seychelles (0.88) and Mozambique (0.80). 5. Perception of quality of basic services regulation Consumer appreciation of the quality of water, electricity and telephone services in the countries surveyed was poor to fair. For the three services analysed, the general perception index ran between 0.27 and 1.2. Although the perception of water quality was poor (with indexes between 0.3 and 1.47), urban consumers in all 16 countries had a better perception of its quality than peri-urban and rural consumers. The exception to this is Malawi, where the perception among peri-urban and rural consumers was better. Table 5 indicates that urban consumers had the highest perception of the quality of electricity services, except in Benin, Zimbabwe and Mozambique, where rural consumers who had higher perception. Perceptions of telephone services followed the same pattern, with urban consumers holding a better view of the quality of this service. The exception comes from Zimbabwe, where rural consumers had a better appreciation of the quality of telephone services (1.08). In summary, the analysis indicates that existing regulation efforts are inadequate for bringing about improvements in the consumer quality of life. 16 Consumer Protection and Quality of Life in Africa through Competition and Regulation Chapter 6: Recommendations Survey findings and analysis of the current state of competition policy suggest the following steps should be taken to improve consumer protection: 5 Create fairer competition Regulatory agencies and consumer organisations need to increase the extent to which they monitor markets. 5 Safety standards Quality control must be conducted through an autonomous standards-setting and product testing public body. 5 Monitor advertising claims Strict legislation on misleading advertising should be enacted and infringements subject to fines. 5 Set sanctions Regulations should stipulate sanctions for fraud, falsification and other illegal conduct. 5 Legal representation Injured parties should have access to legal representation. 17 5 5 International agreements National governments must respect the international consumer protection standards they have adhered to. 5 Consultation with consumers Regulatory bodies and consumer organisations must consult with one another. It is imperative to take consumers into account because nobody is in a better position to define consumer expectations. 5 Information It is necessary to have an effective information dissemination policy. 5 Independence Regulatory bodies must be independent from government and from business. 5 Regional co-ordination Co-ordinated regulatory initiatives can help to counteract pressure from multinational enterprises. * : NS means 'not specified' Table 2 : Distribution of respondents by place of residence * : NS means 'not specified' Table 1 : Characteristics of Respondents by Gender Annual Report 2004 18 19 Table 4. General Perception of Regulation (agencies) Table 3. Effectiveness of Competition Policy Consumer Protection and Quality of Life in Africa through Competition and Regulation Table 5. Perception of Quality of Basic Services Regulation by place of residence Consumer Protection and Quality of Life in Africa through Competition and Regulation 20 Annual Report 2004 Appendix I: Methodology Data collected calculated using the following generic formula. Index = [(N + n2)/(N + n1)] [n0 / N] (1) where: - N : the total number of respondents per country; - n0 : the number of respondents who gave a negative response; - n1: the number of respondents who did not answer the question; - n2: the number of respondents who gave a positive response. The following method was used to calculate the competition policy effectiveness index: a basic index is calculated for each of the nine questions concerning competition effectiveness as follows: 1ek=[(N + n2)/(N + n1)]- [n0 / N] (2) where: - 1ek : basic index relating to question k; - N, n0, n1 and n2 as above Questions providing numerical values as responses (ratings, for example) use a standard to convert quantitative variables into qualitative variables. These qualitative values take on the value of 1, when the standard is reached or surpassed (in the case of positive responses) and if not, the value 0 (in the case of negative responses). When this is changed, n0, n1, and n2 are easily calculated. Once basic indexes have been calculated, the general competition policy effectiveness index is calculated: 9 åI Ig = ek k =1 (3) 9 Where - Ig: general index; - k=1,2 ...,or 9. Ig is equal to 0 when competition policy is not at all effective in the opinion of consumers. Ig is equal to 2 when the competition policy is very effective for all the respondents. 21 Consumer Protection and Quality of Life in Africa through Competition and Regulation Appendix II: Related publications from Consumers International See the CI website section on Competition and Consumers for additional information: www.consumersinternational.org/shared_asp_files/uploadedfiles/B0FD3D89-4A89-4927-9DEB1B2CC269DCAF_Doc319.pdf Trade and economics Multilateral framework for competition policy: Where do African consumers stand? Explores the link between competition policy and consumer welfare at national, regional and multilateral levels. Regional overview on the impact of Multilateral Trade Agreements on African consumer Overview of selected Multilateral Trade Agreements and their effects on African consumers. Impact assessment of the Agreement on Agriculture (AoA) and the General Agreement on Trade in Services (GATS) on consumers in Africa Assesses the impact of free trade on consumers, focusing on how WTO trade liberalisation regimes in agriculture have affected consumers. Proposed US-SACU Free Trade Agreement: Analysis and potential impacts These briefing papers conclude that bilateral trade agreements may bring onerous trade regulations which could negatively impact on consumers. Public utilities Liberalisation of the water sector in Africa: Trends and impacts Evaluates trends in water management in the context of the liberalisation and its impact on consumers in Africa. Building the capacity of consumer organisations to engage in urban water supply and sanitation sector reform in Africa Presents the experiences of African consumer organisations. Consumer protection legislation Model Law for Africa: Protecting African consumers Provide a set of legal principles to help guide consumer legislation, intervention and activism on the African continent. Consumer protection and quality of life in Africa: Report 2002 Highlights the links between consumption, development and quality of life, and introduces the Africa Consumer Protection Index ranking countries according to the effectiveness of the various institutions and legislations in place and as perceived by consumers themselves. 22 Annual Report 2004 Appendix III: Bibliography ACOCELLA, NICOLA (2000), The Foundations of Economic Policy: Values and Techniques, Cambridge University Press, Cambridge. AGLIETTA (Michel), A Theory of Capitalist Regulation. The US Experience, London and New York, New Left Books, 1979 (republished by Verso, 1987, originally written in French) AKERLOF GEORGE A. 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