Zimbabwe: The “Impossible” Quest for Institutional Reforms

The Big Five

  1. The President
  2. The Parliament
  3. The Cabinet
  4. Reserve Bank Governor
  5. Supreme Court and High Court Judges
  • we need a reset event
  • we need a system overhaul
  • we need a reconfiguration
  • we need something more than a restart; we need to uninstall the operating system and install a new one
  • we need an Extinction Event of the Old System and a Creation Event of a New System

Next Five

  1. ZEC
  2. ZIMRA
  3. CIO
  4. CBZ
  5. Deeds Office

Zimbabwe Electoral Commission (ZEC).

The circularity of Appointments and Elections

Zimbabwe Revenue Authority (ZIMRA)

  • The position of the Commissioner-General (CG)
  • The main Port of Entry — Beitbridge
  • Secondary Port of Entry — Robert Mugabe International Airport
  • The Head Office — Kurima House

There are very high chances that a righteous CG, a righteous Regional Manager, and morally upright Supervisors can get swallowed into the Beitbridge bribery syndicates. The chances of getting swallowed into the corrupt system are higher than the chances of changing the system.

Dog drooling for food
  • taking a tough stance on corruption from the top (from CG trickling down)
  • improving the systems — making use of CCTVs, monitoring every action by revenue officers, frequently auditing the AYSCUDA online system, cross-validating the on-the-ground offline systems with the online system, cross-checking files, documents, etc. so as to identify and catch perpetrators early
  • achieving a higher conviction rate at the courts
  • stiffer penalties for taking bribes (in China they have a death penalty)
  • all these systems, processes, audits, arrests, adjudications, etc. have to be managed and implemented by people
  • people can be corrupted too, the people are waiting for their turn to eat
  • there are not enough people willing to sacrifice to make a better nation. It is difficult to forego potential personal gains for the benefit of all.

Central Intelligence Officer’s (CIOs)

Winston Field (Prime Minister in 1960) formed the CIO and Robert Mugabe (Prime Minister in 1980) inherited it
  1. Journalists
  2. Lawyers
  3. Human Rights Activists
  4. Bloggers
  5. Videographers
  6. Opposition Party Politicians
  7. Doctors
  8. Student Union Representatives
  9. Teachers Union Leaders
  10. Pastors

Commercial Bank of Zimbabwe (CBZ)

  • CBZ is the primary buyer of Treasury Bills.
  • CBZ as the biggest bank has the largest ability to create money through the fractional reserve banking system. That ability needs to be parameterized so that it's not rigged in favor of a few kleptocrats.
  • CBZ holds the Treasury Account, that account needs to be distributed fairly across banks to strengthen the banking system. CBZ’s monopoly on public finances needs to be broken down.
  • CBZ is the primary originator of Non-Performing Loans (NPLs) from irresponsible lending to Politically Exposed Persons (PEPs). These loans to politicians are rarely paid back. Some are disposed to ZAMCO and some are perpetually rolled over when they mature.
  • CBZ CEO’s end up as RBZ governors, it doesn’t necessarily have to be so
Commercial Banking as a central institution

Deeds Registry Office

The Other Five

  1. Passport Office
  2. National Social Security Authority (NSSA)
  3. Vehicle Inspectorate Department (VID)
  4. Zimbabwe Electricity Supply Authority (ZESA)
  5. Zimbabwe National Roads Administration (ZINARA)


  • military (soldiers)
  • healthcare (doctors and nurses),
  • education (teachers)
  • and law enforcement (police)




Financial Analyst, Cloud Accountant, Citizen Data Scientist, FPL Boss

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Ryan Gosha

Ryan Gosha

Financial Analyst, Cloud Accountant, Citizen Data Scientist, FPL Boss

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