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Herconcessions opens for business

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Mariam Oforiwaa Twumasi

Herconcessions, an online design and marketing business, has commenced business after a short but purposeful launch at its office location off the Spintex Road near City of Hope Church.

Focused on the sale of personalised event accessories such as photo props, photo frames, garlands, headbands, and robes, Herconcessions is also into gift packaging for all occasions such as birthdays, engagement, wedding ceremonies and undertake interior and exterior decor consultancy as well.

Managing Director of Herconcessions, Mariam Twumasi, notes that the business believes in meeting the desirable needs of clients for all events and occasions.

“The passion for designing, love for colours and the empowerment of women is what drove the establishment of this business. We want to be simply known for creativity and colours,” she added.

 

Mariam Oforiwaa Twumasi (third from left) in a pose with friends and family after opening

Mariam Oforiwaa Twumasi is a 25 years old young lady who believes in attaining success in the pursuit of meeting specified market needs.

She has a Certification in Events Management from Ghana Institute of Journalism, a Bachelor of Arts Degree in Human Resource Management from Central University College. She also had her Senior High School education at St Roses Senior High School and Corpus Christi Catholic for her Junior High School education.

She has worked in various companies with a specific role of customer service and as such has developed an intrinsic drive to relate with people at her utmost best despite the obvious human differences.

She also took a specialization course in floral designs and beadwork, she has a creative skill of writing and an artistic eye for artwork. She was an event coordinator and evaluator for the ever popular Event Company ThinkMahogany as a part time employee where she had an experience of her passion driven desire for events.

 

 

 

FIFA rankings: Ghana climbs to 51st position

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Ghana moved one place up to the 51st position in the latest FIFA ranking released on Thursday.

The Black Stars gained points after drawing 1-1 with Egypt at home in a final 2018 FIFA World Cup qualifier played in Cape Coast.

The concluding 2018 FIFA World Cup qualifiers have made their mark on the latest ratings with Senegal and the winners of the European zone play-offs among the biggest climbers.

The Lions of Teranga have, in fact, risen to 23rd – their highest-ever position on the global ladder – on the back of securing a first World Cup place since 2002.

They are now the top-ranked African nation, having leapfrogged fellow 2018 World Cup finalists Tunisia (27th, up 1) and Egypt (31st, down 1).

 

2017 Praise Jam comes off Dec 2

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Strategic Communications Africa Ltd. (Stratcomm Africa) will hold its annual praise and worship event, Praise Jam on Saturday, 2nd December at the Accra International Conference Centre at 4pm.

This year’s event with the theme, ‘Ceaseless Praise” will feature top and seasoned gospel artistes like Daughters of Glorious Jesus, KODA, E-Rock, Impact Project, Jeshrun Okyere, Yaw Sarpong, Opiesie Esther and others.  The anchor scripture for this year’s theme is “And my tongue shall declare your righteousness and your praise all day long”-Psalm 35:28.

Chief Executive Officer of Stratcomm Africa, Esther A.N Cobbah, says, “Many of us have had situations in the year when we thought there was no way, but God made a way.  Every day, God gives us something to be grateful for, including the challenging situations through which he blesses us.  God’s blessings are unceasing and endless so we also give him ceaseless praise.  Our very lives should signify praise to God at all times,” she said.

Praise Jam 2017 is powered by Stratcomm Africa is sponsored by Casilda. Media partners for the 2017 edition include Times, Spectator, Herald, Today, New Crusading Guide, Daily Dispatch, Radio Gold, UTV, BFT and Finder.

Africa’s children deliver talks on transforming the continent

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Victoria Kweinorki Quaynor, 19 years from Ghana talked about neglected children

Earlier this week, 10 speakers from eight African countries took the Africa Dialogues stage on World Children’s Day to tell the world about the Africa they want to live in, through a series of short and powerful talks. This event was organised by People Initiative Foundation, in partnership with UNICEF.

Emmanuel Leslie Addae, the Executive Director of People Initiative Foundation, stated that “Africa Dialogues is an African thought- leadership conference that focuses on broad-ranging discussions on governance and human rights, education, youth unemployment, infrastructure, public health, gender and income inequality, Africa’s economies and urban development towards helping our continent attain AGENDA 2063 and SDGs 2030,” he said.

He also stated that, this is the first time children were taking over the Africa Dialogues stage to deliver a talk. We believe that it is about time to give children the chance to share their views about the Africa they want, he added.

One in 12 children worldwide live in countries where their prospects today are worse than those of their parents, according to an analysis conducted by the United Nations Children’s Fund (UNICEF).

According to the analysis, 180 million children live in 37 countries where they are more likely to live in extreme poverty, be out of school, or be killed by violent death than children living in those countries were 20 years ago.

This was revealed during an event to mark World Children’s Day in Accra which marks the anniversary of the adoption of the Convention on the Rights of the Child. With global children’s ‘take-overs’, high-profile events and other activations of children in over 130 countries were held to mark the day.

Director of Date, Research and Policy at UNICEF, Laurence Chandy, said the day is to give children their own platform to help save children’s lives, fight for their rights and fulfill their potential. According to him, many children are instead seeing opportunities narrow and their prospects diminish.

“While the last generation has seen vast, unprecedented gains in living standards for most of the world’s children, the fact that a forgotten minority of children have been excluded from this – through no fault of their own or those of their families – is a travesty,” he said.

“It is the hope of every parent, everywhere, to provide greater opportunities for their children than they themselves enjoyed when they were young. This World Children’s Day, we have to take stock of how many children are instead seeing opportunities narrow and their prospects diminish,” added Mr. Chandy.

Fatoumatta Camara 18, from The Gambia, talked about female genital mutilation
Elie Yedou 18 years from Cote d’Ivoire also spoke about a peaceful and hunger-free Africa
Diallo Hamado Moussa 18, from Burkina Faso, talked about the importance of education
Christiana Ayeni Oluwapelumi from Nigeria sung We Are The World
Children sing at the ceremony

The speakers were Hamado Moussa Diallo, Fatoumatta A. Camara, Élie Yedou, Victoria Kweinorki Quaynor, Natasha Adu, Hadja Idrissa Bah, Fatima Aliyu Gebi, Rebecca Evelyn Deborah Sankoh and Abra Rosaline Tsekpuia and ranged from 12 – 19 years- old.

They come from Burkina Faso, Côte d’Ivoire, The Gambia, Ghana, Guinea, Nigeria, Sierra Leone and Togo but delivered inspirational talks at the Africa Dialogues event on issues affecting children and youth on the continent. They shared their vision of what they want Africa’s future to be.

Nigeria’s fashion designers celebrate Oscar Yao Doe

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Oscar Yao Doe, the President & Executive Chairman of Doscar Group Holdings, Eurotour GH and  Eurotour Logistics, was held in high esteem on Sunday, November 19 at The Civic Center in Lagos, Nigeria at the 2017 Fashion Designers Association on Nigeria (FADA) Awards.

The business mogul was honoured at the event for his mammoth contribution to the Nigerian and Ghanaian fashion industry.

He joined few other dignitaries from the country to be awarded at the prestigious ceremony. The Fashion Designers Association on Nigeria (FADA) Awards was organized to celebrate relevant individuals who have helped shape the fashion industry in Nigeria.

Mr. Yao Doe was the only Ghanaian who was recognized at the ceremony on Sunday evening at Victoria Island in Lagos.  Oscar after receiving the ward thanked organizers and promised to do all within his power to help the industry.

Oscar Yao Doe is the President & Executive Chairman of Doscar Group Holdings, Eurotour Gh & Eurotour Logistics Prime Properties Ghana, Eurostar Global Limousine Group, Trans Asia Pacific Africa Network, Black on Black Limousine Nigeria, Doscar Foundation Organisation.

He is also the head of Ghana Fashion Review Committee which rewards celebrities for their outlook at red carpets at major events in the country.

Let us endeavour to liberalise Africa’s skies…

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The Yamoussoukro Decision, which entered into force in 2000, evolved from the Yamoussoukro Declaration of 1988. However, over the years, the full potential of the decision has not been realised to unlock commercial opportunities for African Airlines.

The International Air Transport Association (IATA) bemoans the slow progress towards implementation of the Yamoussoukro Decision. “The benefits have not been realised,” said the group, which estimates that liberalizing the African airspace in 12 countries could create more than 150,000 jobs and add $1.3bn (£872m) to the continent’s gross domestic product by encouraging tourism.

Air Transport promotes trade, investments and tourism, and boosts economic growth. According to the President of the African Development Bank (AfDB), Akinwumi Adesina, the continent’s aviation industry adds US$73 billion to Africa’s annual GDP and employs around 7 million people.

The potential is there but sadly, Africa’s aviation industry is held back by restrictive regulatory environments which run counter to the spirit and letter of the 1999 Yamoussoukro accord, which seeks to liberalise African skies to promote trade and investment as well as integrate Africa’s economies.

The sad aspect of this development is that it limits market size, profitability and drives up costs.

Aircraft departure fees alone in Africa are said to be 30% above the global average, while taxes, fees and charges are 8% higher.

“Given lower per capita incomes in Africa, high fares essentially tax the poor out of the air! We may have an open sky policy, but then end up with empty skies,” AfDB president is quoted as saying.

The accord was meant to create a single African air transport market by 2002, but we are still grappling with implementing its provisions. To date, 44 African states have acceded to the accord but have done little by way of implementation.

It is sad to realise that the 27-year-old accord is still facing implementation challenges. Rigid bilateral air service agreements are making it difficult to liberalise the regional aviation markets, according to Adesina, and we need to make regional markets competitive to drive down costs.

 

Lack of capacity affecting exporters’ ability to trade effectively…

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Minister of Trade and Industry, Alan Kyeremanten, has stated, and we agree, that the only way the country can benefit fully from trade agreements with other countries is when we increase the production of goods for export.

Speaking at the 28th Anniversary of the African Industrialisation Day in Accra, Mr. Kyeremanten lamented how Ghana has not fully taken advantage of AGOA, a duty-free and quota free trade arrangement that allows to export as many as 6,400 products to the United States of America.

East Asian countries were able to break through because their citizenry could produce in large volumes and export same, which was able to earn them foreign exchange and made them globally competitive.

With such opportunities to make it into the world’s largest market and trade in goods that the country has a comparative advantage in producing like agro-industrial products, garment/textiles, among others, we have failed woefully to meet market standards, volumes, and timelines.

This has made us miss huge opportunities whilst our young people are desperately in need of jobs.

Since we have not built our capacity to meet market standards, we have tended to lose out big time! Take, for instance, the losses we incurred when the EU banned our vegetables from entering its market because of phytosanitary considerations. It cost the country US$36 million for the two-year ban, according to the Ministry of Food and Agriculture.

Whilst Alan Kyeremanten is very right in his pronouncements, the onus rests on his shoulders to come up with the plans that would boost our capacity to take advantage of bilateral and multi-lateral trade arrangements.

As he rightly put it, Africa is moving towards a Continental Free Trade Area (CFTA), yet intra-African trade is one of the lowest among regions of the world, with a paltry 12 percent of global trade.

There is little doubt that Ghanaians, in the main, are very enterprising people but they need to build their export capacity to meet market requirements, which can be very demanding in terms of packaging, traceability, and labelling, among others.

Government needs to put its money where its mouth is, as the saying goes, and help industry produce more, without compromising standards, and export more. Need one say that the end result would be more taxes, more jobs and better overall economic development?

 

PUMA unveils new kits For Ghana, Uruguay, Ivory Coast & Co

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PUMA have unveiled a range of new international kits, including Uruguay and African giants Ghana and Ivory Coast, among others.Click through the gallery above to see Uruguay, Ghana, Ivory Coast, Switzerland, Austria and Czech Republic’s new kits.

Of the six new kits, two will be present at the 2018 FIFA World Cup, namely Uruguay and Switzerland.

“Designed to reflect the passion of the fans and nation, the shirt incorporates a striking interpretation of the Sol de Mayo (Sun of May, Uruguay’s national symbol) inspired by Carlos Paez Vilaro’s illustration of the iconic symbol,” an official press release from PUMA about Luis Suarez and company’s new kit read.

Ghana and Ivory Coast both missed out on the showpiece in Russia, and will hope their new home jerseys will inspire the team to better results.

Ivory Coast’s kit is also inspired by the country’ national symbol, the elephant, and was released under the slogan “one herd, one nation”.

Meanwhile, Ghana’s new shirt was inspired by the rhythm of the country’s people, and was unveiled under the slogan “rhythm of a nation”.

 

The road to a stable financial sector

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A sound and stable financial systems underpin economic growth and development. Financial systems have made possible the expansion of credit.

That is, flow of capital from those who have more (lenders) to those who need (borrowers). Payments from buyers to sellers in distant locations are made possible by the financial systems. So, you would concur that a country’s financial system plays a crucial part in its development. Just as a stable financial sector can propel growth, any hitch within the system can generate a whole economic crisis.

The effects of the global financial crises of 2008, are known to many and I need not reiterate. As with Madina to Accra ‘trotro’, don’t worry if you missed the impact of the global financial crisis; another may be along shortly.

The need for effective and pro-active Prudential Regulations

The emergence of microfinance in the economy was touted as a unique local financial intermediary as it serves the large informal economy. It was all right, until its boom created stiffer competition which led to sham financial engineering’s to woo clients.  The recent DKM scandal, may have reawakened the supervision role of the Bank of Ghana (BoG). After the DKM scandal, the BoG passed the microfinance industry through the furnace. The Bank published names of microfinances that are in good-standing, those that were not even licensed, while it revoked the licenses of others. Another rude awakening within the financial sector was the insolvency of UT and Capital bank. The incidence could have triggered a bank run with dire consequences on the whole financial sector. Let me pause for a moment to congratulate the BoG on how it effectively managed the situation.

So, we are on a road to developing a stable and resilient financial sector. The BoG in September this year announced a three-fold increment in the minimum paid up capital required of individual banks. With less objection, commercial banks have taken the new directive in good fate and working towards meeting this requirement. It is obvious that, with this increment, the BoG is bent on safeguarding public deposit while increasing confidence in the banking sector.

Equally important on this road, are effective macroprudential regulations. Foreseeing and preventing any systemic risk within the system is key. It is not enough to provide solutions to incidence that emerge, it must be nipped in the bud. The foremost task in preventing any risk from building-up is monitoring. The Banking and supervision department of the BoG, must ensure that it identifies and monitors any systemic risk that may develop within the macroeconomy. It could be risk that stem from the interconnectedness of financial institutions or the interaction of the financial system with the real economy. To this end, timely and accurate data, information on key financial indicators are needed. Again, it is imperative that macro stress test be carried out at regular intervals to ascertain the financial sectors reaction to any macroeconomic shock.

Is excessive competition a threat?

Prior to the take-over of UT and Capital Bank by GCB Bank, Ghana had thirty-seven licensed banks providing financial services to about a quarter of the twenty-five million people (formal sector). In pure economics terms, there is an excess supply of financial services. And as with any excess supply, “prices” would have to drop. Evidently, we have moved from the days you would need about 100 cedi and detailed documents to open a bank account. Competition has made it possible for one to open an account even without an initial deposit. In fact, increased competition has driven banks to accelerate their efforts in the provision of their services. So, how then is competition a threat?

Unlike in the goods market where consumers enjoy lower prices due to competition, the effects of competition in the financial sector is fairly different. You would expect, commercial interest rates to be dropping due to competition. Don’t be carried away! Until recent, commercial rates have been on ascendancy. A widely held view is that excessive competition in the financial sector erodes market power and profit margin of banks. The fear in losing market share and profit margins drive banks to engage in high risk services that can trigger a financial crisis. As theoretically true as this may be, there is a converse situation in Ghana. Banks in Ghana do not concern themselves with market share. Their goal has always been on their profit margin. An analysis into the audited financial statements of commercial banks, shows that banks report high profits. That is to say, competition has not necessarily eroded their profit margin. Banks reap abnormal profits amid the high competition.

The real effects of increased competition in the financial sector remains a puzzle. But one thing is crystal clear. In search of higher profits, banks are recording higher non-performing loans (NPL). And this is a time bomb. Growth in NPL due to competition will force banks to reduce credit. Should this happen, there will be a breakdown in the role banks play in private sector development, halting the engine of economic growth. Hence, any worry about the intense competition in the banking sector should be directed at policies to reduce the growth in banks NPL’s. Perhaps, it’s time for a national credit Bureau.

Is bigger really better?

As a country, we have banks that serve the various “classes” within the population. Whether you despise this or not, reality is that certain segment of the population feels more welcome in some banks than others. There is a bank for everyone.

Following the announcement of the increase in the minimum capital requirement, news from the grapevine has it that, there will be some mergers and acquisition within the banking sector. Banks without rich foreign parents are the most affected. The Bank of Ghana has prescribed some recommendations as to how banks can raise the needed capital. Nonetheless, the task is huge for relatively smaller and domestically owned banks.

Merging and acquisitions will definitely reduce the number of players within the industry. It will sanitize the industry and ensure only resilient banks are in operation. Consolidation may help reduce wasteful competition and inefficiencies that some of the poorer performing banks have. What’s more, the managerial talent and the competitive edge of the stronger banks will be transferred to a wider scale. That said, the dynamics within the banking industry will change. We are likely to have a foreign dominated banking industry. If you care less about nationalism, then you may brush off this point.

I am tempted to delve into the oligopolistic competition that may emerge due to mergers. Well, the argument may be premature, but to be aware is a step in curbing it. The risks of merging do not appear to be much given that the regulation and supervision over banks will be heavy. The newly created bigger banks should not be given too much leg room to engage in risky ventures. The seeming comfort of ‘too big to fail’ should be dealt with by regular monitoring and tests.

The recent impairment, may be signs of deep cracks within our financial system. We have set on a path to build a more resilient system. As the post-financial crises shows, the key to a stable financial system is an ever-watchful regulatory watch-dog.

Writers email: [email protected]

Loneliness at work: Does feeling lonely impact your performance?

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Loneliness, defined as an unpleasant emotional condition where a person feels estranged from or rejected by others and feels deprived of secure and close relationships in his/her social environment, is an emotion that is particularly relevant to work. This is because loneliness is an inherently interpersonal and relational emotion and the quality of employees’ interpersonal relationships has been shown to have a significant impact on how they perceive and connect with their organizations.

Drawing on a number of compelling arguments from evolutionary psychology, recent studies have argued that people have an innate, primary drive to form social bonds and mutual caring commitments and they are adversely influenced when these social bonds are severed. Establishing and maintaining social bonds at work, however, may not be easy, for reasons that are both personal and due to the structure of organizations. Indeed, the findings of a recent study suggest that about 53 % of the people in the U.S. felt intensely lonely in their public lives.

Despite the pervasiveness of loneliness in work life and its potential linkages with important organizational outcomes, the existing research in organizational behavior provides us with little theoretical or empirical insights about why and how employees’ feelings of loneliness could influence their job attitudes and performance. Join me as we discuss and shed light on this important yet unexplored workplace phenomenon.

Work is natural place to build relationships or even friendships because people spend so much of their quality time there. However, you do not have to be “friends” with others to have satisfying, meaningful and productive relationships. The primary of the workplace and the “team” is to produce results. However, the more collaborative the workplace and its relationships, the more the kind of robust, healthy debate that leads to solving difficult problems takes place. The leader sets the tone. Either leaders understand the value of promoting a climate of collaborative relationships or they don’t. Those that do will find that their direct reports will be intrinsically motivated and initiate problem solving with their colleagues. That kind of collaboration – promoted by the leader – is certain to heighten satisfaction and reduce loneliness.

There are different kinds of colleagues. One that engages only for tasks, the others may engage both professionally and socially. There will be colleagues who will engage with their phones in open kitchen environment while you are sitting right across from them, while others would leave their phones at their desks and will engage in the conversation. Engage and invest in the latter group and do not bother with the former.

Loneliness can be found in multi-generational workplaces. Baby boomer and millennials are different in many ways including communication styles, life goals, and different ideas of a positive and fun work environment. Political correctness in the workplace is a requirement but makes for relationships that are very corporate and less personal. We are losing important components of our humanity.

Janet Choi writes; work is a social thing. It’s done with people, and at the very least, for people. At the same time, you are one person with a job to do. When those personal and social gears are out of alignment, when you’re not connecting with the people you spend so many hours a day with, you get lonely.

Loneliness seems like such an intensely personal, private problem, but it’s much more than that. Loneliness and isolation is a collective issue. And at work, loneliness is yet another effect of the inadequate attention paid to the human side of getting stuff done together.

Whether it’s the inertia of interacting with the same people every day in a way that’s unique from all your other relationships, there’s a prevailing sense that work is this realm where you just deal, that it’s not something that you can improve. While we understand the prioritization of personal friends and loved ones, we often miss out on meaningful interaction with the person down the hall, focus on growing our supposed professional network more than we look next to us to grow higher quality connections.

When you start feeling isolated at work, you also get demoralized and detached, perhaps even depressed. In the first study to empirically analyze the effect of loneliness on work performance, Sigal Barsade and Hakan Ozcelik examined the experiences of 672 employees in 143 teams. They found that indeed loneliness led to withdrawal from work, weaker productivity, motivation, and performance. Importantly, the study also showed that this doesn’t happen in a vacuum that “co-workers can recognize this loneliness and see it hindering team member effectiveness.”

Loneliness is a personal emotion, but it’s not a private concern. The effect of loneliness reverberates, becoming a concern for the group, the organization, the community.

In The Progress Principle, Teresa Amabile and Steven Kramer write about one of the vital ingredients of what makes us fulfilled and flourish in our work — the nourishment factor of human connection. Recognition and gratitude, encouragement, emotional support, and camaraderie are all elements of the nourishment factor — aspects of work that so often are treated as mere window dressing, as spiritless exercises or tired, meaningless buzzwords, and as far as you can get from true priorities.

“Attention is the rarest and purest form of generosity,” French philosopher Simone Weil once wrote, and in what seems to be an ever-head-down, busily streaming life, that seems a harder truth than ever. Your wholehearted attention is how you connect to others, to the world around you, while our pragmatic attitudes about work have little room to even consider generosity.

The nourishment factor — these acts of generosity, of giving and receiving our full attention, expressing gratitude and providing support — feeds our cores, makes us more resilient and enduring, helps us to strive.

Symptoms and Solutions

Gurdeep Pandher advice that this phenomenon can be caused by a wide variety of different reasons, from private family matters to mental illnesses. Abusive relationships, sickness, loss of a relationship, death of a loved one, financial worries, dominating boss/colleague, discrimination at work, work pressure, worries of children’s education/career, immigration issues (mostly in people who move to other countries for a better life), and other home based factors play major roles in the development of loneliness. Most of the time, because of the way the setting is structured, diagnosing and helping a co-worker during work hours is not appropriate or possible. Therefore, there remain only two options for alleviating the burden for those suffering: either prevent the situation or help to tame the consequences outside of a scheduled work day.

In order to put the first choice into action, one must evaluate what policies are preventing meaningful connections in the first place. From forcing workers to compete with each other for their salaries to establishing rigid and unnatural privacy through the use of thick cubicle dividers, anything that promotes isolation will need to be noted. After possible causes are listed, choose one main issue to be presented to a superior or whoever is in charge of managing the company’s rules. Be succinct and straightforward, suggesting solutions instead of complaining mindlessly. They might not immediately adopt the idea, but planting the seed in their mind is a good start regardless. Be prepared to champion the idea that you suggest. If you want more collaboration in the office have a way to collaborate and offer to be the team lead.

At the same time, a more personal approach needs to be taken with people who are already feeling alone. There is no need to take them to a fancy restaurant (they are not charity cases) or force them to admit their personal problems (definitely crossing the line); but feel free to bring them along when another coworker is throwing a celebration or a group of people who are heading to the diner downstairs. Silent gestures are a powerful way to communicate to someone that they matter. Your actions speak much louder than your words. Instead of asking a coworker if he/she wants a coffee or tea just bring them their favorite drink with a smile. Tell them when you thought of them while reading an interesting article or saw a project similar to something they have been working on. Introduce them to initiatives in the office that they might be interested in participating in. For instance, if a thought leadership team is being formed and they could offer insight let them know you believe that they would be a good fit. Some offices have brought in masseuses instructors. This kind of meditation and relaxation can be positive for everyone and give people something to look forward to. It also offers the physical touch that humans require in a manner appropriate for the office.

Making sure everyone feels included is a good way to boost positivity and initiate the process of bonding as a team. As demonstrated, workplace loneliness is a serious problem that is barely noticeable and can be difficult to address in a formal situation. However, it has negative impacts on productivity, creates tension, and can even lead to mental and physical illnesses. Therefore, everyone has a moral obligation to help those in need by telling them they are welcome at the place where they spend one-third or more of their day in. Improving a situation rarely comes from the efforts of just the CEO or the president of the company; it often is the result of everyday workers seeking to make a difference concludes Pandher. Therefore, let us all get involved in making the workplace loneliness free for a better productivity and performance, the power is yours.

The author is a Management Consultant l Spint Consult Limited.

Email:[email protected]

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