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Credit Report:Zambians Can Use Their Credit Report to Master Financial Literacy

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Credit Report:Zambians Can Use Their Credit Report to Master Financial Literacy

Credit Report

Credit report checks are a fundamental aspect of safeguarding one’s financial well-being, particularly during Financial Literacy Week. The theme, ‘Protect Your Money: Protect Your Future,’ resonates deeply, emphasizing the necessity of more than just basic banking practices. It underscores the importance of vigilance against fraud. One effective way to combat fraud is by regularly reviewing your credit report. Any fraudulent activity, such as unauthorized loans taken out in your name, would be reflected in your credit report. Should you encounter any discrepancies or suspicious entries, promptly contacting the relevant credit bureau to initiate further investigation is crucial.

Tips for Empowering a Brighter Financial Future

As we commemorate Financial Literacy Week, we are reminded of the critical importance of financial education in today’s world. The theme of the week is ‘Protect Your Money: Protect Your Future,’ which means so much more than keeping your money in a bank account – it also encourages you to guard against fraud. You can do this by checking your credit report to ensure its accuracy, as fraudulent loans taken out in your name would appear on it. If you find anything suspicious, you can contact the credit bureau that issued the report to investigate further.

A study by TransUnion Zambia showed that while most (94%) consumers acknowledged the importance of credit monitoring, 30% of consumers did not monitor their credit reports. This highlights the need for more education about financial products and tools to support regular credit monitoring, which is an essential part improving financial literacy.

“In Zambia, there’s a growing recognition of the value of financial literacy, but we still have a long way to go. Financial Literacy Week is an opportunity for us to encourage Zambians to learn more about managing their finances and credit profiles, so that we can all work together to build a stronger economy into the future,” says Mildred Stephenson, Chief Executive Officer at TransUnion Zambia.

The survey data showed a mixed reality for Zambians:

Despite 38% experiencing income growth and 82% expressing optimism about future increases, many Zambians are concerned about escalating living costs and loan expenses.
To deal with financial strain, 43% of Zambians used instalment payments, while 29% considered borrowing from family and friends. Additionally, one third contemplated tapping into savings, and 39% planned to reduce non-essential spending.
There has been a decline in confidence within the credit market: While 96% of Zambians value credit access, only 30% feel it is adequate. Furthermore, 62% are hesitant to seek new credit due to high interest rates.
Cybercrime poses a significant concern, with 76% of Zambians reporting experiences of fraud attempts. Consequently, 95% are taking extra precautions to safeguard their personal data.

Understanding your financial standing empowers you to make informed decisions and take proactive steps towards strengthening your financial well-being.

Mildred shares four tips that can help consumers improve their credit scores:

Know how much you owe: Make sure that you understand your credit limits and the outstanding balances on each account. This insight helps you plan better to pay off your debts on time.
Pay your bills regularly: Consistently paying your bills on time is essential for building and maintaining a positive credit score. Timely payments show creditors that you’re financially responsible and reliable.
Stick to a budget: Establishing and sticking to a budget is the best way to manage your money effectively. Budgeting helps you to allocate your money appropriately, manage expenses, and ensure your bills are paid on time.
Regularly check your credit report: Stay vigilant by regularly checking your credit report. When you get your free TransUnion credit report, check it carefully for inaccuracies, such as accounts that you don’t recognise or incorrect information about late payments. Disputing this kind of inaccurate information from your credit report can improve your credit health and your credit score. Importantly, it can also help detect fraud if someone else has applied for credit in your name. For more information and details on how to check yours, visit Transunion Africa or email [email protected].

Personal finance educator Jane Mazimba adds: “Part of protecting your future should be investing in knowledge around debt. This includes how much we owe, our repayment plans, and paying debt off so that we can safeguard our credit scores for a secure future. Learning how to effectively fund, use, and pay back loans is one of the best ways we can secure our future.”

Four people suspected of practicing witchcraft killed by mob

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Four people suspected of practicing witchcraft killed by mob

Four people have been killed in Chifunabuli District in Luapula Province after a mob descended on them on allegations of practicing witchcraft.

Confirming the matter to ZANIS, Chifunabuli District Commissioner Stanley Mukosa identified the victims as Jack Malisawa 44 of Konikalila Village, Augustine Bemba 37 of Mwana Chanda Village, Ngosa Mbukano 42 of Malunga Village, and Lengwe Kafupi aged 32 of Nkufu Village all of Chief Mbulu’s Chiefdom on Chishi Island.

“I can confirm that four people have been killed by a mob following a riot in the area, this is on allegations of practicing witchcraft,” he said.

The District Commissioner disclosed that on Monday, March 18, 2024, people of Chishi Island descended on Lengwe Kafupi accusing him of being behind the crocodile attack which occurred on Saturday, in which a woman was killed by a crocodile.

He said the mob in the process killed Lengwe and burnt him and looted his shop and later went on to kill Bemba and finally killed Mbukani and Malisawa who were later buried by the same mob.

Mr. Mukosa revealed that the mob fled the island after they heard that Police had come in the area.

He disclosed that Police have since managed to apprehend Bornface Mwaba 70 to help with investigations.

Mr. Mukosa said three burial sites have since been visited and the graves have been marked for possible exhumation and Police are still on the island.

Mwinilunga Physiotherapist murdered by husband

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Mwinilunga Physiotherapist murdered by husband

A female physiotherapist of Mwinilunga District Hospital in North Western Province has allegedly been killed by her husband.

Confirming the matter to ZANIS, North Western Province Police Commanding officer Dennis Moola identified the deceased as Twaambo Hitima aged 36 of low density area in Mwinilunga district.

Mr Moola said the incident occurred on March 18, 2024 around 21:00 hours when the husband of the deceased Coillard Mubita 44, a Human Resource Officer at Mwinilunga District Health Office allegedly used an unknown sharp instrument to inflict multiple deep cuts on his wife’s neck.

“A niece to the deceased, Racheal Nyambe aged 18 of low density area reported that her aunt Twaambo Hitima has been murdered by her husband Mubita aged 44 after a marital dispute,” she told the police.

Mr Moola disclosed that the suspect Coillard Mubita has since been detained in police custody and a docket for murder opened while the body of the deceased has been deposited in Mwinilunga District Hospital mortuary awaiting postmortem.

South Africa Investigators (Hawks) Raid Home Of Parliament Speaker

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South Africa Investigators (Hawks) Raid Home Of Parliament Speaker

South Africa Parliament has jumped to the defence of Nosiviwe Mapisa-Nqakula, following allegations that she received millions in bribes when she was Minister of Defence.

The South African Parliament has swiftly moved to support Speaker Nosiviwe Mapisa-Nqakula amidst swirling allegations of corruption, stemming from her tenure as Minister of Defence.
The Gauteng Hawks, acting on behalf of the National Prosecuting Authority’s Investigative Directorate (ID), executed a raid on Tuesday at Mapisa-Nqakula’s residence in Bruma, Johannesburg. The operation follows allegations that she received substantial bribes during her time as Defence Minister, a position she held from 2012 to 2021.

Parliament confirmed the search and seizure procedure, which lasted over five hours, emphasizing Mapisa-Nqakula’s full cooperation during the process. In a statement, Parliament reiterated the Speaker’s staunch denial of any wrongdoing and her commitment to transparency. The raid disrupted Mapisa-Nqakula’s parliamentary obligations, including her role in overseeing President Cyril Ramaphosa’s question-and-answer session in the National Assembly.

The statement from Parliament underscored the Speaker’s dedication to public service and her unwavering integrity. Corruption, it stressed, stands in direct contradiction to the values of democracy and good governance that Mapisa-Nqakula represents.

The allegations against Mapisa-Nqakula relate to purported solicitation of bribes in exchange for government contracts during her time as Defence Minister. According to reports, demands for payments totaling $120,000 were made to secure a tender for transporting military equipment back to South Africa from other African countries.

As a seasoned veteran of the anti-apartheid struggle, Mapisa-Nqakula has faced significant scrutiny since assuming the role of Speaker in 2021. Her prior tenure as Defence Minister, marked by these allegations, has placed her under intense public scrutiny.

In response to the unfolding situation, President Ramaphosa’s administration, which campaigned on an anti-corruption platform, finds itself navigating yet another high-profile corruption case. The President has made combating corruption a cornerstone of his governance, seeking to root out entrenched corruption within South Africa’s political landscape.

The National Prosecuting Authority confirmed the search operation, though additional details were not provided, leaving questions about potential charges and the progression of the investigation unanswered. As the investigation unfolds, the spotlight remains firmly fixed on Mapisa-Nqakula, whose political future hangs in the balance amidst these grave allegations of corruption.

Source:IOL News

Petauke MP Emmanuel Banda Suspended from National Assembly for 30 Days

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Petauke MP Emmanuel Banda Suspended from National Assembly for 30 Days
Petauke MP Emmanuel Banda
Emmanuel jay Banda

Emmanuel Banda, the Member of Parliament for Petauke, has been suspended from the National Assembly for a period of 30 days following a complaint lodged by Clement Andeleki, the Member of Parliament for Katombora, regarding a defamatory video circulated on social media.

The suspension stems from a video in which Mr. Banda made allegations accusing the National Assembly of suspending opposition MPs to facilitate the misappropriation of funds. The video prompted Andeleki to file a complaint with the Speaker of the National Assembly.

In her ruling, Malungo Chisangano, the First Deputy Speaker of the National Assembly, declared that Banda’s actions constituted a breach of parliamentary privilege and contempt of the House. Chisangano emphasized that Banda’s remarks cast a negative light on the integrity of the National Assembly, labeling them as unbefitting of a member of parliament and potentially damaging to the institution’s reputation.

Chisangano further expressed her hope that such behavior would cease, cautioning Banda against further misconduct. The ruling was delivered amid an attempt by Banda to disrupt proceedings, leading to his expulsion from the House.

The suspension serves as a disciplinary measure aimed at maintaining order and upholding the decorum of parliamentary proceedings. Banda’s suspension highlights the importance of maintaining civility and respecting parliamentary procedures, reminding MPs of their responsibilities as elected representatives. The PF MP has been suspended from Parliament at least 3 times in the last 4 months.

In November 2023, MP Emmanuel Banda was one of 17 PF members of parliament suspended for a period of 30 days. The suspension, followed an incident of misconduct that took place during a parliamentary session.

Speaker of the National Assembly, Nelly Mutti, announced the suspension, which she described as a response to “unparliamentary behavior” and a breach of the house’s decorum and integrity. The lawmakers’ actions were widely seen as a protest against the Speaker for purportedly denying them an opportunity to speak.

This is not the first time the MP finds himself in controversy.Former Post Newspaper journalist, Peter Sukwa, recently reached out to the Human Rights Commission, urging them to intervene and revive the case involving an alleged assault by Petauke Member of Parliament, Emmanuel Banda, who is accused of assaulting Sukwa and urinating in his mouth.

In a letter addressed to the Human Rights Commission, Sukwa highlighted the incident and the impact it has had on his life, noting that he has faced continuous mockery since the assault. Copies of the letter were also sent to Amnesty International, the Chief Justice, and the Zambia Institute of Independent Media Alliance (ZIIMA).

Sukwa expressed his ongoing distress and the need for justice in the matter. The journalist has been seeking avenues to address the alleged assault, seeking support from both national and international human rights organizations.

Emmanuel Banda had previously been fined 12,000 Kwacha for the alleged assault, with 10,000 Kwacha allocated as compensation to Sukwa. The reopening of the case could potentially bring new developments to light and ensure a thorough examination of the incident.

Former Vice President Enoch Kavindele Defends Government Amid 2024 Drought Crisis

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Former Vice President Enoch Kavindele Defends Government Amid 2024 Drought Crisis
Former Vice President Enoch Kavindele
President Hichilema and Former Vice President Enock Kavindele, who led the SADC Electoral Observer Mission (SEOM) during the Democratic Republic of Congo elections

Former Vice President Enoch Kavindele has issued a clarion call for unified support towards the UPND government’s efforts in addressing the prolonged dry spell threatening food security across the country.

In a recent statement, Mr. Kavindele emphasized that blame should not be directed at the government, asserting that the current situation is a consequence of natural forces rather than the actions of the present leadership.

“Government should not be blamed because what has happened is a result of forces of nature and not the doing of the current leadership,” Mr. Kavindele stated.

However, he underscored the crucial role of government in responding effectively to the disaster to prevent any loss of life due to hunger. Expressing confidence in the government’s capabilities, Mr. Kavindele assured the public that necessary measures are being taken to address the crisis.

Having witnessed similar drought situations during his tenure, notably in 1992 under President Frederick Chiluba and in 2002 as Vice President under President Levy Mwanawasa, Mr. Kavindele offered strategic recommendations for disaster management.

He advocated for the establishment of specialized committees led by Ministers to oversee aid mobilization, logistics, and distribution. Mr. Kavindele proposed the formation of a committee on aid mobilization to coordinate assistance from various countries and partners.

Furthermore, he suggested the creation of two additional committees to manage logistics and distribution effectively, ensuring that aid reaches the most vulnerable populations, particularly in rural areas.

In a bid to safeguard against potential mismanagement and corruption, Mr. Kavindele emphasized the inclusion of security wings in the distribution process. He cautioned against the exploitation of free aid by unscrupulous individuals, including high-ranking government officials.

Reflecting on past experiences, Mr. Kavindele recalled President Chiluba’s decisive action in 1992, where two ministers were dismissed for exploiting the food crisis for personal gain. He urged the current government to remain vigilant and proactive in preventing corruption during relief efforts.

As Zambia grapples with the challenges posed by the dry spell, Mr. Kavindele’s insights serve as a timely reminder of the importance of effective governance, collaboration, and accountability in mitigating the impacts of natural disasters and safeguarding the well-being of all citizens.

Mkushi Farmers Association Leads 2024 Early Maize Harvest

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Mkushi Farmers Association Leads 2024 Early Maize Harvest
Mkushi Farmers
President hichilema and farmers in Mkushi during the launch of the 2024 Early Maize Harvest

Mkushi farmers have taken center stage in driving President Hakainde Hichilema’s push for irrigated early maize production in Zambia. Chairperson Miklos Marffy highlighted the association’s steadfast dedication to combating the negative impacts of drought through proactive agricultural measures.

The Mkushi Farmers Association has emerged as a pivotal force in President Hakainde Hichilema’s initiative to promote irrigated early maize production in Zambia. Chairperson Miklos Marffy’s recent statement to ZANIS underscores the association’s unwavering commitment and support towards mitigating the adverse effects of drought through proactive agricultural practices.

Speaking from the heart of Mkushi, Marffy conveyed the readiness of local farmers to embrace the President’s directive with enthusiasm and optimism. In an exclusive interview with ZANIS, he emphasized the critical role irrigated early maize production plays in safeguarding the nation’s food supply amidst challenging climatic conditions.

“Farmers are ready to respond positively to the President’s initiative of mitigating the negative effects of the drought,” Marffy affirmed, echoing the sentiments of a community determined to navigate the challenges posed by erratic weather patterns.

Today marked a significant milestone for Mkushi and Central Zambia as the 2024 early maize harvest was officially launched. This bountiful yield, made possible through a combination of irrigation and rainwater, stands as a testament to the dedication of farmers, both large and small scale, who heeded the government’s call to prioritize early maize production.

The Mkushi Farmers Association has a membership of 83 commercial famers and over 400 emerging and small scale farmers in Mkushi district.The launch of the early maize harvest is part of collaborative efforts between government and players in the agriculture sector aimed at enhancing agricultural resilience and ensuring sustainable food production in the country.

Approximately 146,000 metric tons of early maize have been harvested, signaling a promising boost to the region’s food security. However, the journey doesn’t end here. In a forward-looking approach, the government is pivoting towards irrigation-based agriculture, with plans underway to provide crucial support to farmers through irrigation facilities.

President Hichilema, in his address, expressed gratitude to every individual involved in the tireless efforts to produce food for the nation. He extended an open invitation to farmers across Zambia to join hands in this transformative journey towards sustainable agriculture.

President Hichilema during the Lauch of the 2024 Early Maize Harvest in Mkushi

“To further ensure that our country produces crops and food throughout the year, we are pivoting towards irrigation-based agriculture by embarking on a programme to support our farmers with irrigation facilities .We are grateful to all the farmers, both large and small scale for answering Government’s call to get into early maize production. This has produced approx. 146,000MT of early maize, which will go a long way in bolstering our food security,”President Hichilema said.

As the country embarks on this path, guided by the vision and leadership of President Hichilema, the Mkushi Farmers Association stands at the forefront, embodying the spirit of resilience and collective action. Their unwavering commitment serves as an inspiration for others, highlighting the potential for meaningful change and progress in Zambia’s agricultural landscape.

With optimism and determination, Mkushi and its farmers lead the charge towards a future where food security is not just a goal but a reality for all Zambians. As the early maize harvest marks a new beginning, it also signals a promise of prosperity and abundance for the nation.

The dry spell has from mid-January this year affected most of the central and southern half of the country, which has received less than normal rainfall leaving 1 million hectares of maize destroyed, almost half of the country’s maize cultivation. It is also projected that the drought will lead to a power deficit or 430 Megawatts and affect ground and surface water levels, with severe consequences for sectors beyond agriculture since over 80 per cent of Zambia electricity generation comes from hydro-power.

Dam construction: President Hichilema Orders Expedited Approval for Dam Construction Nationwide

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Dam construction: President Hichilema Orders Expedited Approval for Dam Construction Nationwide
dam construction
File picture: President Hichilema at Kariba Dam

Dam construction is poised to undergo a transformative phase in Zambia as President Hakainde Hichilema issues a decisive directive to the Zambia Environmental Management Agency (ZEMA) and the Water Resources Management Authority (WARMA).

In a decisive move aimed at bolstering Zambia’s water management infrastructure, President Hakainde Hichilema has instructed the Zambia Environmental Management Agency (ZEMA) and the Water Resources Management Authority (WARMA) to promptly greenlight all applications for dam construction across the country.

President Hichilema emphasized the urgency of this directive during the launch of early maize harvesting in the Mkushi Farm Block today. He stressed that ZEMA and WARMA must prioritize the approval of these applications to facilitate the government’s agenda of water harvesting.

While urging the regulators to ensure adherence to environmental regulations in the approval process, President Hichilema highlighted the critical need for water harvesting to enhance irrigation farming, particularly in light of the prevailing drought conditions. He underscored that the country must learn from the current challenges and prioritize water conservation efforts.

The President expressed firm resolve against wasteful water practices, stating that the era of allowing water to flow freely to the Indian Ocean while dams could store it for irrigation and electricity generation is over.

Meanwhile, Stewart Parkes, owner of SADOT Farm, affirmed the commitment of commercial farmers to support emerging farmers in addressing challenges like drought. Parkes emphasized the importance of collaborative efforts in boosting agricultural production.

Jervis Zimba, President of the Zambia National Farmers Union (ZNFU), commended farmers for their resilience in the face of adverse weather conditions. He emphasized the need to seize the drought situation as an opportunity to reduce dependence on rain-fed agriculture.

In further efforts to bolster the agricultural sector, Agriculture Minister Reuben Mtolo announced plans to expand the agricultural credit window. This expansion will encompass funding for irrigation, mechanization, livestock, and aquaculture, aiming to provide comprehensive support to farmers across various sub-sectors.

The directive from President Hichilema aligns with Zambia’s ongoing commitment to sustainable environmental management and underscores the government’s proactive approach to addressing pressing challenges such as water scarcity. With the expedited approval process for dam construction, Zambia aims to enhance its water harvesting capabilities, ultimately contributing to agricultural productivity and national development.

The Impact of Dams on River Ecosystems: Balancing Benefits and Harm

Dams have long been touted as crucial infrastructure for society, providing benefits such as flood control, water supply, hydroelectric power, and recreational opportunities. However, their construction and operation also inflict significant harm on river ecosystems, leading to a complex debate over their overall impact.

While acknowledging the benefits dams bring, it’s essential to recognize the substantial damage they cause to rivers. Here, we delve into the ways dams harm river ecosystems, juxtaposed with their perceived advantages:

1. Blocking Rivers and Hindering Fish Migration:

Dams obstruct the natural flow of rivers, impeding the migration of fish species critical for ecosystem health. Fish passage structures may offer some relief, but they often fall short, particularly for certain fish species facing migration barriers.

2. Slowing River Flows and Disrupting Migration Patterns:

Stagnant reservoir pools created by dams can disorient migrating fish, prolonging their journey and affecting reproduction cycles. Furthermore, irregular water releases, common in hydropower operations, disturb natural flow patterns essential for ecosystem balance.

3. Altering Habitat and Trapping Sediment:

The impoundment of rivers behind dams alters habitat dynamics, trapping sediment and obstructing natural processes vital for ecosystem health. This affects the availability of spawning grounds for fish and alters the composition of riverbeds, impacting overall biodiversity.

4. Impact on Water Quality and Temperature:

Dams contribute to changes in water quality and temperature, with slow-moving reservoirs prone to temperature fluctuations that can harm sensitive species. Additionally, the regulation of water releases can disrupt natural water temperature patterns, leading to adverse effects such as algal blooms and decreased oxygen levels.

While proponents argue for the necessity of large-scale dams for flood control, power generation, and water supply, critics highlight the significant ecological costs associated with these projects. Large dams, in particular, can lead to the displacement of human populations, loss of agricultural lands, and irreversible changes to river ecosystems.

Conversely, smaller-scale water control structures, such as weirs and barrages, offer alternatives with potentially fewer detrimental effects. These local projects provide benefits like flood control, navigation improvement, and water supply without the extensive ecological disruption associated with large dams.

Ultimately, the debate over dams versus alternative water control structures underscores the need for a nuanced approach to water management. While dams offer undeniable benefits, their ecological impacts cannot be ignored. As societies navigate the complexities of water resource management, prioritizing sustainability and minimizing harm to river ecosystems remains paramount.

Grace Chanda Returns to Shepolopolo

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Grace Chanda Returns to Shepolopolo

Talented international midfielder Grace Chanda has been named in the Zambia Women Squad for next month’s Olympic qualifier against Morocco in Ndola.

Chanda has not played for the National Team since July 2023 when she missed the FIFA World Cup due to an illness.

Coach Bruce Mwape has today named a 34-member squad for the April 5 qualifier set for Levy Mwanawasa Stadium in Ndola.

Other notables in the squad include Captain Barbara Banda, striker Rachael Kundananji, Rachael Nachula and Misozi Zulu.

GOALKEEPERS: Annie Namonje (ZESCO Ndola Girls), Ngambo Musole (Green Buffaloes), Eunice Sakala (INDENI Roses), Chitete Munsaka (Elite Ladies)

MIDFIELDERS:Grace Chanda (Madrid CFF), Misozi Zulu (Hakkarigucu Spur-Turkey), Ireen Lungu (BIIK Kazygurt Shymkent-Kazakhstan), Rhodah Chileshe (INDENI Roses), Comfort Selemani (Elite Ladies), Salome Phiri (Green Buffaloes), Avell Chitundu (ZESCO Ndola Girls), Evarine Susan Katongo (Green Buffaloes), Ruth Mukisi, Esther Muchinga (both ZANACO Ladies), Mapalo Maluba (Marvellous Girls FC), Prisca Chilufya (Club Juarez Femenil-Mexico),

STRIKERS:Barbra Banda (Orlando Pride-USA), Rachael Kundananji (Bay FC-USA), Eneless Phiri (Nkwazi Queens), Kabange Mupopo, Agness Phiri (both Green Buffaloes), Charity Mubanga, Fridah Kabwe (both ZESCO Ndola Girls), Namasiku Lungowe (ZISD Women), Rachael Nachula (Hapoel Jerusalem-Israel)

Dr. Field Ruwe Addresses Accusations of Malicious Intent by the University of Zambia 

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Dr. Field Ruwe Addresses Accusations of Malicious Intent by the University of Zambia 

To: The Chancellor of The University of Zambia and all Readers 

 

I am writing to respond to the University of Zambia’s press statement issued by the Acting Head of Communication and Marketing Damaseke Chibale as a rejoinder to my article titled “University of Zambia Degrees are Inferior Says UK Home Office” that appeared in the Lusaka Times of March 6, 2024. Applying the kill the messenger fallacy, Chibale accuses me of spreading malicious information aimed at undermining the credibility of the University of Zambia.  

 

What I sincerely perceived as a contribution to sharing knowledge critical in making institutional changes required for the enhancement of the University of Zambia to meet the needs of global competition and the knowledge economy has been misconstrued as a malicious motive aimed at tarnishing the image of the University of Zambia. Contrarily, the impression portrayed of me by Chibale does not conform to my character and qualifications as a scholar and multicultural researcher. 

As a media and scholar practitioner, I have authored a plethora of articles for newspapers in both the United States and Zambia [refer to my Wikipedia page]. Prior to composing the article in question, I diligently conducted extensive research, just as I have done for all the articles you may have come across. I have consistently prioritized truth, accuracy, and objectivity, recognizing them as the fundamental principles of journalistic ethics. The verification of sources has been an integral part of my work, as it is a crucial discipline within the realm of research and journalism. Not once have I been accused of malicious intent. 

  

The motivation for my article stemmed from a scholarly publication titled “Crisis? What Crisis? Malawian Degrees and International Comparability” authored by Dr. Yonah Matemba of the University of Scotland. Dr. Matemba, who holds a PhD, FHEAA, and FRSA, is a distinguished educator, researcher, and authority in the field of Social Sciences. Additionally, he serves as a Board Member of the Scotland Malawi Partnership.  

 

On page 3 of his article, Dr. Mutemba writes: “UK NARIC carries out regular, planned and periodic reviews of all of its databases, within which information is available for 208 countries. Based on NARIC’s evaluation, in broad terms, Malawian degrees are downgraded to a grade 3 lower in comparison with similar British qualifications (Zambian degrees are also downgraded and evaluated in a similar predicament while those from Zimbabwe or Tanzania, for example, meet NARIC’s standards).”   

  

Dr. Matemba further notes that based on UK NARIC’s evaluation, Malawian and Zambian degrees are assessed as follows: Bachelor’s degrees are comparable to British two-year Higher National Diploma (HND); Bachelor’s degrees in professional subjects such as engineering, law, medicine and veterinary science are comparable to three-year British Bachelor Ordinary Degree standard; Masters degrees are comparable to British four-year Bachelor Degree Honors. In England, a Bachelor (Honours) Degree is generally a prerequisite for admission to a master’s program. An applicant from the University of Zambia is deemed ineligible due to the perceived UK NARIC evaluation, whereas individuals from Zimbabwe or Tanzania are enrolled.   

According to the “Guide to Qualifications-Prospects ac.uk of May 2020, UK Higher National Diploma (HND) is a mostly vocational academic higher education qualification whose attainment level is roughly equivalent to the second year of a 3-year English degree or Diploma of Higher Education (DipHE). In other words, it is a degree inferior to the UK Bachelor’s Degree.   

British Prime Minister Rishi Sunak refers to degrees like HND and DipHE as “low value degrees” that do not produce a graduate that supports the economy (see https://www.theguardian.com/education/2023/jul/14/rishi-sunak-force-english-universities-cap-low-value-degrees). Synonyms of “low value” include “inferior” and “worthless.”

It is evident from the credible sources mentioned above that the assertion regarding the inferiority of the University of Zambia degrees is not made by me, but rather by the British Government which oversees the UK Home Office.  

In his press release, Chibale avoids altogether to address the UK NARIC on Zambia and help answer questions students may be asking—is it true what Field Ruwe is alleging regarding NARIC? Is the university aware of the UK NARIC evaluation? If so, for how long has the university known and what steps has the Chancellor taken to address the issue? Why are some African countries rated better than Zambia? Why is the British High Commissioner to Zambia quiet over this matter? What measures should UNZA management implement to meet the standards set by UK NARIC?  

  

Instead, Chibale employs the term “malicious” as a diversionary maneuver to unjustly shift the burden of proof in a style resembling the “poisoning the well fallacy.” This occurs when negative information about a target is preemptively presented to an audience, with the intention of discrediting or ridiculing what the target person has said, without addressing the actual bone of contention. The contention at the heart of my article is the UK NARIC evaluation of the University of Zambia. It raises questions the British government should address.  

 

It is important for Chibale and individuals referencing the top 50 universities to justify the exclusion of the HPI visa to understand that, even if the Home Office were to remove restrictions and open the program to all countries worldwide, the University of Zambia would remain ineligible due to its current UK NARIC and world ranking status. That is why I specifically singled out the University of Zambia from the rest of the African countries.  

 

In his press statement, Chibale takes pride in show-casing the University of Zambia rankings of No. 1201-1500 in the world out of 2,671 and No. 14 out of 25 universities in Sub-Saharan Africa. Such ranking numbers are subpar and are the reason the UK NARIC is at diploma level. To improve the numbers, UNZA students need a truly world class curriculum rooted in its locality and context that meets their needs. 

 

It is true that UNZA graduates have been admitted to pursue Masters Degrees in both South Africa and the UK, as Chibale claims. However, this represents only a small fraction of the total number of graduates produced by the university annually. Attaining a Rhodes or Commonwealth scholarship is often perceived as a challenging endeavor for many individuals, while self-sponsorship is typically viewed as a luxury reserved for the affluent. Those who cannot afford are compelled to take entrance exams that many are hesitant to attempt or ultimately do not pass, resulting in them resorting to lower-status alternative employment opportunities. 

 

Certainly, students from the University of Zambia (UNZA) demonstrate high levels of excellence and potential as their academic counterparts in any part of the world. I deeply respect and admire every student who is presently enrolled at UNZA, as well as those who have successfully graduated from the institution since its establishment. Believe me, I am cognizant of the amount of effort required to eventually ascend the podium and gladly descend with degree in hand. They all deserve better treatment when they apply for jobs at home and abroad.   

  

Let me conclude by saying that the past days have been the most excruciating of my entire life. I have spent my life building and nurturing my reputation. I am respected in any community in which I have settled. In the academic community I have become a source of reference. I am a member of the Alpha Delta Pi Society, and the Phi Alpha Theta, an American honor society for undergraduate and graduates students and professors of history.

At California State University, Fresno, I was conferred membership in Kappa Tau Alpha‘s National Honor Society in Journalism and Mass Communication. In 2006, I became a member of the Golden Key International Honour Society, an organization that recognizes college students solely on the basis of their academic achievements. Well known honorary members include US President Bill Clinton, General Colin Powell, Astronaut John Glenn and Archbishop Desmond Tutu. In all the universities I have attended I have emerged as a notable alumni –  Northeastern University, Boston, Massachusetts – https://www.ranker.com/list/famous-northeastern-university-alumni-and-students/reference 

Suffolk University, Boston Massachusetts https://www.google.com/search?q=suffolk+university+famous+alumni&sca 

Fresno Pacific University – Fresno California https://www.google.com/search?q=Fresno+Pacific+University+university+famous+alumni&sca 

 

It has taken Damaseke Chibale and the University of Zambia management to undo this and present me in a false light.  

  

I contend that the University of Zambia is liable for libel and defamation. I am therefore hereby notifying the University of Zambia that I have been left with no choice but to pursue all available legal remedies. I am further notifying Damaseke Chibale, acting on behalf of the University of Zambia and all recognizable influencers in social media to cease and desist from any further libel and defamation.  

  

Sincerely, 

 

Field Ruwe EdD 

A Quest for Justice: The Unresolved Case Against Cornelius Mweetwa

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A Quest for Justice: The Unresolved Case Against Cornelius Mweetwa

In an impassioned plea for justice and legal integrity, Dr. Fred M’membe, the President of the Socialist Party, has vocally criticized the apparent lack of action against Mr. Cornelius Mweetwa, a prominent figure within the United Party for National Development (UPND). The case, rooted in allegations of tribalism and bribery, has stirred significant public interest and debate over the impartiality and effectiveness of the country’s legal system.

“Over a month has passed, and yet there’s silence on a matter that strikes at the very heart of our societal fabric—unity,” Dr. M’membe stated in a recent public address. “If we allow individuals, regardless of their political affiliations, to sow seeds of division without consequence, what message are we sending about the values we stand for as a nation?”

Mr. Mweetwa, serving as the Minister of Information and Broadcasting Services, is accused of promoting ethnic divisions and attempting to suppress the spread of this information through alleged acts of bribery. According to Dr. M’membe, on February 13th, 2024, Mr. Mweetwa offered a bribe to Mr. Innocent Phiri, a journalist, in an attempt to kill the story of his previous confession relating to ethnic division strategies.

Dr. M’membe elaborates on his decision to report Mr. Mweetwa to the police, emphasizing the importance of accountability: “In my report to the Lusaka Central Police, I acted not only as a political leader but as a citizen deeply concerned about the integrity of our nation. It’s imperative that our justice system responds without bias, ensuring that no individual is above the law.”

The Socialist Party President also criticized the selective responsiveness of the police, especially when dealing with allegations against political figures.

“The swiftness with which ordinary citizens or political dissenters are apprehended contrasts sharply with the hesitancy observed in cases involving UPND officials. This disparity not only undermines public trust in our law enforcement but also in the democratic principles we are all supposed to uphold,” Dr. M’membe remarked.

Dr. M’membe’s call for Mr. Mweetwa’s arrest and prosecution is not merely about addressing an individual’s alleged misdeeds but is seen as part of a larger struggle for democratic values and justice.

“This isn’t just about one man’s actions; it’s about the precedent we set for our future. Will we be a country that turns a blind eye to wrongdoings for the sake of political convenience, or will we stand firm in our commitment to justice and equality before the law?” Dr. M’membe questioned, urging a reflective response from both the public and the authorities.

Why UKA will anoint the next President in 2026 with ECL’s signature since HH has nicely failed Zambians

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Why UKA will anoint the next President in 2026 with ECL’s signature since HH has nicely failed Zambians

By Dr. Chris Zumani Zimba

A. Introduction

Who will succeed Hakainde Hichilema (HH) as the next president of the Republic of Zambia? Surely, nobody knows who he or she is apart from God. Nobody knows the name, village, tribe, chiefdom, district or province of HH’s successor apart from Heaven. Generally, certain dynamics are too complex for human beings to comprehend, foretell and predict.
It is only God who can confidently say what he told young Jeremiah in Jeremiah 1:4-5, 8 that:
The word of the Lord came to me, saying, “Before I formed you in the womb I knew[a] you, before you were born I set you apart; I appointed you as a prophet to the nations”…Do not be afraid of them, for I am with you and will rescue you,” declares the Lord.

At human level, we can only discuss and try to predict political realities of today and tomorrow using different scientific qualitative and quantitative mythologies. And this scientific prediction comes with margins of errors. In this case, l will use the SWOT analysis model as a tool to critically discuss and examine United Kwacha Alliance (UKA) with reference to 2026 against the overt failures of HH’s government.

Since W (weaknesses) and T (threats) have become daily songs of HH’s government and other critics of UKA, I will focus only on S (strength) and O (opportunities) of UKA and thereafter quickly draw my conclusions.

B. The S stands for “STRENGTH” of UKA.

Here, l have identified and will briefly explain only 12 key merits and advantages of UKA going into 2026 as follows:

  1. UKA is simple for everyone to pronounce and understand . UKA is “wake up”. UKA is UKA in many local languages, so appropriate and relevant to the current political situation in Zambia.
  2. UKA is the first forceful and alternative political alliance challenging to unseat the ruling UPND alliance. It is the new pressure group and most sensible people driven movement of post 2021 national elections in Zambia.
  3. UKA is a cross generational movement bringing together younger and older politicians. Elderly leaders like President Edgar Lungu, Edith Nawakwi, Sakwiba Sikota, Danny Pule and Chishala Kateta partnering with youthful politicians like Harry Kalaba, Saboi Imboela, Jackson Silavwe and Thomas Sipalo among others presents an attractive hybrid political coalition of this era.
  4. UKA is a multsectoral forum protesting and opposing undemocratic practices of the UPND government. The coalition has been widely welcomed and celebrated by all key stakeholders in urban and rural areas who openly commit to liberate Zambia again.
    5. UKA is a political alliance backed by the largest and strongest opposition party-the PF. In realistic terms, UKA is PF and PF is UKA. PF brings the weightiest experience of being in opposition for 10 years and being in government for 10 years too. Thus, other parties add sundry value too.
  5. PF brings to UKA national wide passionate members, green structures, councilors, council chairpersons, and MPs. In 2021, the UPND alliance never had such political strength with representation in council chambers countrywide and the National Assembly of Zambia.
  6. UKA has Lungu, the second most popular and powerful politician in Zambia today: a Former President who generally delivered as compared to HH who has lamentably failed almost in all sectors. Lungu alone makes UKA more powerful than the profiles of Winter Kabimba, KBF, Sean Tembo, Fred M’membe, Kasonde Mweenda, Charles Banda, John Sangwa and Nason Msoni all combined together.
  7. UKA is appealing for political funding only second to UPND as long as Lungu sits there. Lungu assures political support for UKA in Zambia and overseas. ECL is a powerful brand anywhere: he is big, strong, reliable. I know him, l have worked with him and l remain very close to him.
  8. UKA has a former Republican President’s full support: a big political advantage for a coalition. In 2021, the UPND alliance lacked this merit which UKA has today. Lungu skillfully knows the does and don’ts of opposition politics and running government.
  9. In UKA, Lungu despite being duped in 2021 has more than 1 million decided voters whose faith in him has doubled and tripled. In and with Lungu, UKA has guaranteed over 1million ECL voters and believers before campaign activities start. This number is now double or triple given the overt failures and lies of HH.
  10. UKA has guaranteed media coverage at national, regional and international levels because of Edgar Lungu’s signature. Whenever Lungu speaks, the media shakes, whatever Lungu says, the media captures for news. Lungu makes publicity for UKA easier, bigger and better.
  11. UKA is the most feared political force for HH in Zambia today due to ECL’s signature. Without ECL and PF, HH and UPND have little worries for UKA. Lungu makes UKA the most powerful, fearful, vibrant and visible opposition group in Zambia today.

C. The O stands for “OPPORTUNITIES”.

Here, l have identified and will briefly list only 12 key external factors and remote dynamics that benefit UKA with Lungu’s signature to easily defeat HH in 2026. These are as follows:

  1. Many people are unhappy that UPND is an unapologetic ethnic outfit, regional and tribal party. This ruling party makes key appointments at cabinet, state house, state parastatals and diplomatic levels tribally and ethically so normal and obvious.
  2. Zambians now know that UPND won Power in 2021 using unlawful tactics of sponsoring ethnic divisions, tribal hostilities and violent regionalism against a legitimate government-the PF.
  3. Most voters are aware that HH and UPND top officials are unlawfully working to totally kill multiparty democracy and impose a one party dictatorship system in Zambia today.
  4.  Citizens are now aware and are bitter that HH and UPND won power in 2021 based on pure lies, false promises, historic cheating and corrupt manipulation of citizens.
  5. In 2026, Zambians will be interested in holding HH and team accountable for the 2024 hunger crisis after selling maize reserves and wickedly imposing starvation and death threats on citizens.
  6. Most voters are angry that HH unilaterally auctioned our mineral resources to foreigners by giving tax breaks them while milking every coin from poor Zambians in multiple taxes.
  7. Many Zambians now know that HH’s Presidency is marked with bloodshed and death of Jackson Nkungo, PF North Western Chairman who was openly killed by UPND thugs at a named polling station in Solwezi on 12th August, 2021.
  8. Voters are now knowledgeable that HH and UPND government runs a kleptocracy-rule by theft with corruption, looting and plundering of public resources is rampant and made ‘normal’.
  9. People are so unhappy that UPND is urinating on the RULE OF LAW by paralyzing and weaponizing the judiciary, police, ECZ and enforcement agencies.
  10. HH has been exposed and is hated for using tax payers money to hire and pay renowned homosexual promoters like Tony Blair as his State House Presidential foreign advisers.
  11.  Most voters are disappointed that HH and UPND have made Zambia so regionally divided and ethnically hostile against each other by its tribal policies and inconsistent politics than any previous regime.
  12. Many informed Zambians feel betrayed that HH and his UPND officials are using public resources to run tribal, defamatory and divisive rogue media platforms-Koswe and Zambian Watchdog.

D. Conclusion

Many times, heavy rains are introduced by either thick dark clouds or sharp pompous lightning: it is easy to tell that it will rain depending on the detects of the sky. In like manner, political dynamics of today can give us clear indications of what may happen soon or later.

In 2026, it is clear that HH will terribly lose and the next president is highly likely to be Lungu again or an ECL backed candidate. This is where UKA becomes a crucial political alliance. Take it or leave it, the name Lungu is the only name with the most powerful and popular signature to kiss the next president of Zambia regardless of the party or coalition he supports.

Dr Chris ZUMANI Zimba is a Political Scientist, Researcher, Author & Consultant specialized in Comparative Global Governance and Democratic Theories. He holds a PhD, MA, BA and Cert in Political Science. Zimba was President Lungu’s Political Advisor from December 2019 to August 2021. By philosophical approach, Dr. Zimba is a Pan Africanist as well as Afro-Christian by religion.

President Hichilema calls for end to hostilities in Congo, Mozambique

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President Hichilema calls for end to hostilities in Congo, Mozambique

President Hakainde Hichilema has underscored the significance of peace missions in maintaining regional and global stability.

Mr Hichilema notes that peace and unity are essential pillars for sustainable economic development.

 President Hichilema was speaking when a delegation from the Southern African Development Community (SADC) secretariat called on him at State House in Lusaka today, in his capacity as Chairperson of the SADC organ on Politics, Defense and Security Cooperation.

The delegation comprising force commanders for both the SADC mission in the Democratic Republic of the Congo (DRC) and SADC mission in Mozambique, was led by Kula Thelestsane who is SADC Organ Director on politics, Defence and Security Affairs and Mpho Molomo who is the Head of the SADC mission in Mozambique.

The SADC Secretariat is in the country to brief President Hichilema on the security situation in the two countries where SADC has deployed missions.

President Hichilema lamented that the ongoing conflicts in both countries pause a serious concern to all member countries.
Mr Hichilema has since called for scaled up interventions to end the conflicts in the two countries.

“We need to secure our region. Peace and Stability are key preliquisit of our Developmental agenda.

“I have consistently said that if there is instability in our individual countries, it spills all over to other countries thereby, creating further distortions” President Hichilema said

The President said SADC must remain stable to anchor the Development process of the region.

And in his short brief to the President,Professor Theletsane  said no meaningful Development can be achieved in an unstable environment.

He said investors prefer a more friendly and peaceful business environment to conduct any form of investment.

The meeting  was  attended by Zambia’s Defense Commanders , Minister of Home Affairs and Internal Security Jack Mwiimbu,  Acting Minister of Foreign Affairs ,Mulambo Haimbe and Defense Minister Ambrose Lufuma.

Top BRE Induna – Shot dead

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Top BRE Induna – Shot dead

Scores of residents in Limulunga District in Western Province are left in shock after Barotse Royal Establishment (BRE) Senior Induna Inete, Akapelwa Silumbu was shot dead by unknown people at his house in Limulunga district last night.

This morning around 08:00 hours, the police who were found at the crime scene started preliminary investigations at his home where the body was found in a pool of cold blood with crowds of people.

Western Province Commissioner of Police, David Chileshe, who confirmed the incident to  said the Induna was shot dead around 22:00 hours.

“Induna Inete was shot down by unknown persons. He was coming from his farm, he went into his house after parking his vehicle to take the groceries inside the house. When he came out to secure the vehicle, that is how he was shot when he had entered his vehicle on the driver’s side,” Mr Chileshe said

He stated that the police have instituted an investigation and will bring the culprit to book.

Mr Chileshe said Induna Inete was shot once by a short gun behind his back and the pellets have logged into his body.

The Police Provincial Chief has called on people to stay calm as police execute their work, adding that the police will intensify patrols.

“We would love to pass our sincere condolences to the Barotse Royal Establishment and the citizens for the loss, Induna Inete was an instrumental traditional leader.  We shall do our work and we shall be on trial for those killers who have killed our father,” he said.

Speaking at the funeral home of the deceased, elder brother to the deceased Tawila Silumbu, who was broken, described the death of the Senior Induna aged 72 as horrifying and crushing.

Mr Silumbu said that Induna Inete was a bread winner who supported the family and an instrumental leader in the community.

“He was a helpful young man and now he is gone. He has left me staggering, where do I go? I don’t even have  words. I am completely shocked. How do I take care of the children,” he said.

Mr. Silumbu has since called on the police to intensify patrols and bring the culprits to book.

Meanwhile, Limulunga District Commissioner, Lutangu Lutangu has urged people to give chance to the law enforcement wings to execute their work and desist from speculations.

Mr. Lutangu said the deceased was his childhood friend, stating that the community is shocked and broken.

“I still cannot believe it has happened. Let us discourage speculation, people are already coming up with a lot of speculation and this is detrimental to the justice that we expect,” he said.

The body has since been deposited in Lewanika general hospital mortuary.

Senior Induna Inete, who is survived by ten children, grandchildren and great grandchildren, was ranked amongst the top most Indunas in the BRE who was largely loved for his enthusiasm, friendliness and eloquence.

Financial Literacy Week 2024: Illuminating the Path to Financial Prosperity

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Financial Literacy Week 2024: Illuminating the Path to Financial Prosperity
Financial literacy week
Phyllis Tiller – Managing Director at Octagon Financial Services

Financial literacy week is about improving your life, understanding how to protect your money and secure your future.

By Phyllis Tiller

Zambia, like many other African countries, still suffer from chronic low savings rates, primarily attributed to financial illiteracy and limited access to financial products. While on the other hand, being financially literate does not only help individuals manage their personal finances but also has a positive impact on one’s overall wellbeing.

As we join the rest of the country to commemorate Financial Literacy Week which serves as an annual beacon of hope, dedicated to empowering individuals and communities with the knowledge and skills essential for navigating the intricate landscape of personal finance. This week-long set of activities is slated to run from Monday, 18 March to Sunday, 24 March 2024 and this awareness campaign rallies diverse stakeholders, including financial institutions, government bodies, non-profits, educational institutions and insurance players, to curate workshops, seminars, and resources aimed at fostering financial literacy awareness.

At Octagon Financial Services Limited, a prominent regional leader in financial services across non-profit, public, and private sectors, we recognize the transformative potential of financial literacy. Through our participation in Financial Literacy Week 2024, themed “Protect your Money, Secure your Future,” we reaffirm our commitment to playing a pivotal role in empowering individuals with the knowledge and competencies necessary to make informed financial choices and enhance their financial stability.

The State of Financial Literacy in Zambia

Despite collective efforts undertaken, research findings by the 2020 FinScope Zambia study reveals a sobering reality of only 23.6 % of Zambian adults are deemed financially literate. This stark statistic underscores a significant gap in understanding financial concepts and skills within the population. However, amidst these challenges lies an opportunity for transformation and inclusion.

The Benefits of Financial Literacy in Zambia

In 2024, fostering financial literacy in Zambia yields manifold and impactful benefits. Enhanced financial literacy equips Zambians with the knowledge and skills to make informed financial decisions, thereby improving personal financial management as well as build resilience against economic uncertainties.

Moreover, a financially literate population contributes to Zambia’s overall economic development by promoting savings, investment, and entrepreneurship thereby stimulating economic growth and job creation. This, in turn, fosters greater financial stability at both individual and household levels, reducing vulnerability to poverty and financial distress.

Financial Literacy in Times of Crisis: Building Resilience

The current drought in Zambia is likely to exacerbate economic challenges, increasing fiscal pressures, and undermining livelihoods. In such crises, financial literacy plays a crucial role in building individual and community resilience.

By enabling proactive financial planning, effective resource management, and sustainable livelihoods amidst challenging circumstances, financial literacy serves as a beacon of hope.

Our Commitment to Guaranteed Financial Security

As an award-winning regional financial service provider, Octagon Financial Services Limited continues to pioneer solutions that assist individuals achieve their true financial potential. Through emphasis on financial planning, saving, and investing, our team of passionate experts work tirelessly to ensure individuals are enlightened on the need to begin early to prepare for unforeseen circumstances and realize their long-term aspirations. Our comprehensive approach prioritizes clients’ needs, fostering a culture of financial preparedness and resilience.

In closing, financial literacy among citizens continues to play a vital role to help people protect their money as well as secure their future. Financial Literacy Week is yet another opportunity for all of us to do our part and collectively amplify the financial literacy narrative in order to illuminate the path to financial prosperity, while ensuring a brighter and more secure future for our country as well as its people.

The author is Managing Director at Octagon Financial Services Limited

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