Monday, 19 May 2014

Dollarisation: The downside

 Terence Zimwara

There is no doubt that dollarization helped the Zimbabwean economy find its feet after years of decline. The use of multiple currencies particularly the American dollar has made it attractive even for foreign investors to consider pouring money into the country.
With inflation currently in the negative territories, the Zimbabwean economy offers some of the best returns on the dollar although the country risk remains an obstacle.
The last two years have not been great for the Zimbabwean economy however, national demand has been sliding while the current account deficit has reached unsustainable levels.
The use of international currencies has meant that the central bank has had little or no influence on where the economy is heading.
This has of course led to regular calls to reintroduce the Zimdollar and the government has consistently come out to say this will not happen anytime soon.
At the recent Zimbabwe International Trade Fair, a government official Mr Supa Mandiwanzira reiterated that the return of the currency was not imminent as had been speculated by some.
This followed both foreign and local media reports that the government was planning to re introduce the local currency as it tries to arrest the continued economy decline.
In this article, we will try to understand why there is an agitation for the Zimdollar’s return by mainly corporates and the reluctance to see this through by the general population.
Zimstats the country’s official statistical body recently reported a trade deficit of approximately $1 billion dollars in the first quarter of 2014 and indication that the appetite to import is not receding.
One has to walk through the pavements of Harare’s central business district to understand the problem from a layman’s viewpoint. The pavements literally packed with all kinds of imported goods ranging from foodstuffs to clothing and even semi durable items.
There is toothpaste, washing powder, fruits the list is endless suffice to say the same items are found in their abundance in retail outlets. Vendors and enterprising business people have suddenly started selling mainly South African made products at prices that beat locally made goods.
To illustrate a 500 gram pack of locally made margarine (Stock Margarine) costs about $2.5 in most stores yet there is an almost similar product which is being imported into the country and is sold for just $1 in some retail stores!
It is this staggering price differential that leaves one shaking their head, what exactly are the ingredients used in making margarine locally that makes it so expensive?
Local producers will claim that power shortages, high interest rates and a lack of credit lines raises the cost of production and in turn this local products uncompetitive.
Clearly there are no easy answers however, part of the problem also lies in the fluctuations of the currency of Zimbabwe’s major trading partner, South Africa.
The South African rand currency has performed poorly against major currencies particularly the US dollar. It has depreciated by some 37 percent since the end of 2012 and the effects on the Zimbabwean economy are now becoming apparent.
Suddenly it has now become lucrative for South African companies to sell on the Zimbabwean market than at home.
To illustrate, a loaf of bread sells for between 8 and 9 rand in SA while the same costs about $1. At the current exchange of U$1: 10 rand, then you would realize more by selling in the Zimbabwean market because the price would be 10 rands.
 Of course there are other hidden costs that may cancel out the extra arbitrage profit that can be realized in the case illustrated above. In reality however, there are quite a number of products where the price differences are so huge such that it would make economic sense to import.
While local businesses may find little motivation in importing, the same cannot be said of cross border traders and informal traders who have seized on the opportunities that the depreciating rand has presented.
These traders are selling everything from sweets to furniture and realizing profit as result of the depreciation of the rand. Two years ago this was not possible when the exchange rate was at just under US$1: 8 rand.
Due to the continued depressed value of the rand, local business leaders are now asking government to intervene by imposing heavy tariffs on imports in order to ‘protect local jobs’.
At a workshop organized by the Buy Zimbabwe lobby, players in the baking industry asked the government to intervene by way of banning imports of flour products.
A few business leaders if any have gone record and publicly called for the return of the Zimdollar however it is something that apparently is getting some consideration in the corridors of power.
For ordinary Zimbabweans, the return of the Zimdollar is certainly an unwelcome topic as evidenced by the recently reported panic withdrawal. This followed a report by Bloomberg Financial news service that the return of the Zimdollar was imminent.
The government is well aware of the demise of Zimdollar and what caused it. It is the continuing economic stagnation however that is pushing the government against the wall and this is notwithstanding the fact international donors remain unwilling to help.
The government finds itself in a conundrum, where either action has severe consequences not for it politically but in an economy sense as well.

It remains to be seen what course the government will take in light of all this.

No comments:

Post a Comment