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Writing a Winning Business Plan—Ten Tips

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Sucessful Kapiri Mposhi businessman known as Kapdi captured at the Mulungushi International conference centre in Lusaka

By Wesley Ngwenya

 

Tip #1: Excellent Executive Summary

An Executive Summary can be a combination of both the background and introduction. You must write an effective and compelling Executive Summary. It will ensure that you and whomever reads your plan can instantly grasp what your overall projected business picture will look like. This is an overview. It addresses the who, what, where, when, why and how. It must be strong and fabulous.

Tip #2: Assess Your Skills, Abilities and Experience

It is very important to know what your skills, abilities and hobbies are. Your business is likely to be successful if you can transform these skills into ventures that can earn you money. This helps you focus on your strengths and not weaknesses. In your business plan, you need to clearly outline what your skills are and what other partners are also bringing whether it is in the form of skill or experience. Address the three Es. These are experience, expertise and examples. What is your experience in doing this kind of business? What exactly is your expertise and how will you be tapping into the expertise of others? Do you have any successful examples of how you the best person to run this business venture?

Tip #3: Realize the Risk of Business

Getting involved into business is also risk business. Remember that your business will need your undivided attention. This means you will risk money, you will risk time, you will risk personal resources, and you will risk your energy. Remember there is no sweet before you sweat. You clearly need to determine how you will ensure that your vision is sustained and your morale is high as you get into writing a business plan and implementing it.

Tip #4: Know your Competitors

Know your competitors by name. Where they are located, who are their managers, the varieties of products they offer, their prices, their discounts, their strengths, their weaknesses, and any other relevant information. Research, research and do more research!

Tip #5: Know your Customers

Know what kind of people are going to buy your product and service. Are you going to get the same customers as those of your competitors? Or are you entirely creating a new customer base? Do you know the demographics of your customers—their age, income, where they live, lifestyle, etc? I am often disappointed when I help clients writing business plans because they seem never to have a target customer base in mind. I often encourage them to have a target market and design their products to meet the needs of that market.

Tip #6: Have a Marketing Strategy

It is important to develop a step-by-step plan on how you are going to enter the market. Put up a plan on how you are going to compete favorably on the market. Are you going to be price-driven or service-driven? Marketing strategy is the pillar of the business plan. Many small businesses in Zambia have failed because our entrepreneurs lack the skills of marketing and the spirit of resilience.

Tip #7: Have a Start-Up Budget

Ensure that you have put aside a specific amount of money for the business. Whether this money is borrowed or is from your pocket. The start-up budget should clearly be reflected in the business plan.

Tip #8: Put up a Strong Management Team

The people that are going to run your business are very important. They are like builders. The blueprint is already done and all the materials are already gathered. Now the huge task to making all these materials transformed into a lovely building remains on the shoulders of the builders. The management team needs to know what to do every time. Ensure that your management team knows what your expectations are. Give them goals to meet. Do not tolerate any slackers.

Tip #9: Do a Cash-flow Analysis

This is perhaps the most important part of your business plan. If you are borrowing money or looking for potential investors or business partners, this is where they will first look at. A cash-flow analysis determines what your revenues will be, what your costs will be and what profits you will be making over a predetermined period. Cash-flows are the blueprints of the business plan.

Tip #10: Utilize Professional Services

In order to come up with a compelling business plan it is important that you use professional help. Consult a professional business plan writer, a banker and a lawyer so that they can help you put all the loose ends together. It will cost you but it is worth every Kwacha spent. Remember cheap is expensive.
This weekend 2nd April, 2011 we are hosting a workshop on “Creating Investment Opportunities for Entrepreneurs”. This is a great opportunity for those in Lusaka to network with other businesspeople. During this time, I will be helping those who would like to write a business plan in order to raise capital. My other colleagues will also be sharing on other topics. Feel free to contact me for more information. Wes_ngwenya AT yahoo DOT com

Shoprite workers stay put

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Striking Shoprite workers have vowed not to go back to work until management pays out the sixteen billion kwacha service fund owed to workers.

ZNBC found Shoprite workers at Manda Hill chanting slogans and dancing in protest against management.

Several shoppers were disappointed to find the Manda Hill store closed.

National Union of commercial and industrial workers President Robert Munsanje says the workers will not return to work until management pays out the sixteen billion kwacha or transfers the funds to NAPSA.

Mr Munsanje told ZNBC News on Tuesday that the workers are also demanding an end to casualisation of workers.

He said about 70 percent of the workers at Shoprite are casual workers.

Mr Munsanje says Shoprite management has been taking workers for granted for too long.

Efforts to get the minister of labour failed as he was reported to be in a meeting.

Shoprite workers started their nation wide strike on Monday
[ ZNBC ]

Rugby player Kaminsa arrested for causing death by dangerous driving

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VETERAN rugby player, Musonda Kaminsa was on Sunday arrested in Ndola following two fatal accidents which claimed national sevens coach, Owen Busange and two other players on the Ndola-Kitwe Dual Carriageway.

And Busange who died in a road accident on Saturday will be buried in Chililabombwe today after a post-mortem which will be conducted in Ndola at 08.00 hours this morning.

Copperbelt police chief, Martin Malama said in an interview yesterday that Kaminsa, 33, was arrested for causing death by dangerous driving.

Malama said Ndola police also nabbed Andrew Chabilika, 34, whose BMW vehicle hit and killed Busange and Lusaka rugby player, Kapasa Bwalya after careering off the road, for causing death by dangerous driving.

Kaminsa has since been bonded to enable him seek medical attention for a deep cut he sustained during the road accident while Chabilika was still in police custody.

The duo is expected to appear in court soon.
On Saturday night, Kaminsa’s Toyota Hilux Twincab registration number ACM 6192, careered off the road near the junction to the Ndola Girls Technical High School, killing United Kingdom-based rugby player, Mwango Katema on the spot.

Chabilika’s BMW registration number ACL 9599, also swerved off the road at the same spot and hit Busange, Bwalya and other players.

Malama said Busange died on the spot after sustaining head injuries while Bwalya died later at Ndola Central Hospital. Eight other players sustained injuries.

Zambia Rugby Football Union (ZRFU) communications manager Martin Musunka, who announced Busange’s burial programme in a statement, said the procession will start from Ndola soon after the postmortem and burial will take place in Chililabombwe upon arrival of the body.

Musunka said the Lusaka Rugby Club executive committee has opened a book of condolences for all rugby stakeholders to sign and that all the players who were injured from the two accidents have all been treated and discharged from Ndola Central Hospital.

These are Kaminsa, Kaiko Lungu, Chancy Mulama, Isaan Munganga, Chipampa Mwila, Taona Kalunga and Julius Kalunga. Another player was from Kitwe who travelled with the late Busange, Fidelis Kachusha.

[Times of Zambia]

Let’s dialogue, Kamanga tells Kalu

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THE FAZ faction has extended an olive branch to the Kalusha Bwalya led executive committee for a meeting to iron out some contentious issues ahead of the crucial annual general meeting (AGM) next month.

Faction leader, Andrew Kamanga said in Lusaka yesterday that there was need for the FAZ executive to meet with his team so that matters relating to the resumption of the local football league were addressed.

Kamanga said his group wanted to see the 2011 league action start soon after the postponement of the AGM at the weekend.

But when contacted, Kalusha, who at the weekend said the league would start on April 2, refused to comment on the matter.

And in a statement yesterday, faction acting general secretary, Simataa Simataa said: “In the interest of soccer, we offer to meet urgently with our colleagues to iron out all issues surrounding the resumption of the 2011 league which is currently linked to the holding of the AGM.”

On whether his team was agreeable to the April 30 date for the council meeting in Kabwe, Kamanga said there was need for the two groups to sit and agree on the most suitable date.

On Saturday when he addressed some councillors and observers at Mubende Country Club in Luanshya, Kalusha said the Premier League would resume this weekend with Super and Division One matches.

He called on all stakeholders to put differences behind and focus on the game and avoid disappointing sponsors like Supersport International, who were ready to begin televising of live matches and mobile phone providers, MTN Zambia, who recently signed a sponsorship deal for the league.

Kalusha also said the FAZ AGM was deferred to April 30 but the faction stated that the meeting should be held by March 31 in line with the association’s statutes which stipulate that the AGM is staged every first quarter of the year.

The FAZ AGM was postponed after the two groups failed to agree on the venue.

[Times of Zambia]

Sichinga questions benefits of high copper production to Zambians

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Economic consultant Bob Sichinga has questioned the benefit the increase in copper production in the country is having on the lives of the Zambian people.

Mr. Sichinga has noted that if the correct mining tax regimes were implemented in the country, the high production of copper would have been benefiting Zambians.

He adds that economic development would have increased if the government re-looked at the tax regime in the mining sector.

Mr Sichinga says boasting that Zambia has attained economic development by the current government is false reading of the situation.

Mr. Sichinga in an interview with QFM says Zambia can attain a lot in terms of development if the country heeded to calls on the need to review the current tax regime for the mining sector.

QFM

MMD warns delegates against bringing supporters at the convention.

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MMD acting national secretary Chembe Nyangu
The MMD has warned delegates to next month’s party convention in Kabwe not to bring in their supporters at the convention.

MMD Acting National Secretary, Chembe Nyangu says the party will only allow people who will be accredited to attend the party convention that is scheduled for Mulungushi University from April 5 to 7.

He said the decision to bar supporters at the convention has been taken to allow free and transparent electoral process which will also be free from harassments and violence.

Mr. Nyangu told ZANIS in an interview in Lusaka that the decision is in line with the party constitution adding that supporters of rival candidates are the ones who usually cause confusion at such gatherings.

He advised delegates vying for various positions in the party to convince their support who will attend the convention to vote for them.

Mr. Nyangu has meanwhile assured all delegates attending the party convention of proper security.

He said the party has put in place strict measures to guarantee safety of all the delegates which include barring all unaccredited people from attending.

He added that the party wants to hold free and fair elections and has since invited some diplomats to witness the convention.

Mr. Nyangu has disclosed that the party has postponed accreditation for delegates, and other invited guests to the convention.
He said the accreditation process for the convention which was supposed to start today at Nakatindi hall in Lusaka has been pushed to Wednesday this week.

He said this has been done to secure the place where the process will be done.

Mr. Nyangu has however expressed satisfaction with the preparation for the party convention.

MMD is next month expected to hold its party convention at Mulungushi University in Kabwe.

ZANIS

PF is under pressure, says Hichilema

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UNITED Party for National Development (UPND) president Hakainde Hichilema has said Patriotic Front(PF) leader Michael Sata and his supporters are now under pressure to clear the mess surrounding their party following its alleged promise to defend and protect the rights of homosexuals and lesbians in an event that the PF wins this year’s elections.

Mr Hichilema said in an interview that it was unfair for the PF and what he termed as their favourite newspaper to continue attacking the UPND because it resolved to differ with them over their homosexuality stance.

He said he was an African and a Christian, who did not believe in homosexuality and that his party, should not be unfairly attacked for making its position clear on the matter.

Mr Hichilema, who also accused some sections of the media of openly supporting the PF and neglecting the rest of the opposition parties said, the same media was now misleading the public on the demise of the electoral pact between his party and the PF.

Mr Hichilema said those who wanted to misinform the public on issues which led to the demise of the UPND-PF Pact and his party’s position on some national issues which came out afterwards, were just wasting their time.

“Mr Sata should come out in the open and tell Zambians the truth about his party’s support for homosexuality because a lot of people are aware of the interview he gave to the foreign media in which he suggested that he supports gay rights.

The UPND should not be blamed by this mess which needs to be cleared by Mr Sata and his favourite newspaper,” he said.

He said it was not a secret that The Post Newspaper and Kafulafuta Member of Parliament (MP) George Mpombo, had embarked on a campaign suggesting that UPND was working in collaboration with President Banda to discredit Mr Sata.

Mr Hichilema said the stories published by The Post claiming that he was campaigning for President Banda clearly showed that Mr Mpombo and others were determined to deliberately mislead the public about the UPND position on national issues.

He said the PF’s poor performance in last month’s Mutaba Ward by-election in Kafulafuta Constituency, despite being under the leadership of Mr Mpombo, had left the PF and its supporters bitter.

“The loss of the PF which was being led by the area’s sitting MP has shown the nation that Mr Mpombo no longer has influence in Kafulafuta and among the Lamba’s in general,” he said.

Mr Hichilema said he was consistent in raising issues and not personalities in all his campaign messages in Mutaba and other parts of the country he had been holding public meetings.

“I have held public meetings in Mutaba, Chongwe, Nangoma and Mazabuka but I have personally neve r discussed Mr Sata or any personalities because I believe in addressing issues.

“Its unfortunate that Mr Mpombo is now not happy that the public media covers some of my public meetings just because their favourite newspaper is giving me a blackout they expect all media houses not to cover me. Is this fair?” Mr Hichilema asked.

And UPND Copperbelt Province chairperson Elisha Matambo has accused Mr Mpombo of being ungrateful to Mr Hichilema and the UPND which he alleged assisted him with K10 million last year when he was facing a financial crisis.

Mr Matambo said his party regrets having assisted Mr Mpombo, who once served as its councillor in Kafulafuta before he defected to the MMD.

And Mr Hichilema confirmed that he assisted Mr Mpombo with cash but refused to divulge further details on the matter.

“My only advice to Mr Mpombo is that he should learn to be grateful to people who help him when he is facing serious problems,” he said.

But Mr Mpombo denied having received any money from Mr Hichilema and challenged the UPND to take him to court if he owed them any money.

Meanwhile, UPND trustee for presidential duties Cornwell Sakala advised Mr Mpombo to have integrity and tell the truth about where he go t the K10 million which he used to settle a debt he owed Ndola business-executive Terence Findlay, who dragged him to court after he issued a rubber cheque last year.

[Times of Zambia]

Allow ECZ to do its job – Shikapwasha

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Chief Government spokesperson Lt. Gen. Ronnie Shikapwasha has called for cooperation from all electoral stakeholders to allow the Electoral Commission of Zambia (ECZ) to do its job without interference.

Lt. Gen Shikapwasha says the ECZ is the only body authorized to announce and conduct elections in the country.

He emphasized that other organisations should pave way for the ECZ and let the rules apply in order to have peaceful elections.

Lt. Gen. Shikapwasha was reacting to Chipata Catholic Diocese Vicar General Fr. Gabriel Sepo’s statement that the catholic church will go ahead to conduct the Parallel Voter Tabulation in this year’s tripartite elections.

He said that government will not allow some organizations to bring anarchy by being insistent about conducting PVT.

The Catholic Church has maintained that it will conduct the parallel vote tabulation (PVT) during this year’s general elections.

Catholic Diocese of Chipata Vicar General Gabriel Sepo said the church will conduct PVT as it is not illegal during this year’s elections.

He stated that the church through Caritas Zambia is already training election monitors to conduct PVT during the forthcoming general elections.

He said this in Chipata over the weekend.
[ QFM ]

Post Newspaper using Maxwell Mututwa to peddle a political agenda-Shikapwasha

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92 year old Former Ngambela of the Barosteland, Maxwell Mututwa

CHIEF Government spokesperson Ronnie Shikapwasha has accused the Post Newspaper of using a former Ngambela of the Barosteland, Maxwell Mututwa of Mongu to peddle a political agenda aimed at discrediting President Rupiah Banda’s hard work.

 

Lieutenant General Shikapwasha said Mr Banda was mourning the deaths of two youths killed during a riot sparked by debates on the Barosteland Agreement of 1964 and that it was wrong for Mr Mututwa to charge that the president was unapologetic over the shootings and killings in Mongu.

Reacting to Mr Mututwa, 92, who was quoted in yesterday’s Post as having said President Banda should leave his post because he was unapologetic over the Mongu shootings, Gen Shikapwasha said Mr Banda was a leader for all Zambians.

He said the Post and Mr Mututwa were fighting a political war against President Banda and the Government reflected through the continued negative writing on happenings in Western Province.

Gen Shikapwasha said the Post was closely working with Mr Mututwa because the two had set an agenda to soil the image of Mr Banda’s hard working Government.

“President Banda is remorseful and compassionate over the loss of the two lives in Mongu.

“He is currently mourning with the bereaved family and the Post Newspaper with Mr Mututwa are just on a political agenda to discredit the good name of President Banda,” he said.

He said the president was focused on ensuring peace and harmony continued to prevail in all parts of the country to foster development in Zambia.

In January this year, Mr Mututwa with several Mongu residents were arrested and charged with treason over the Barotseland Agreement fracas which left two Mongu youths dead.
He was later discharged through a nolle prosequi.

[Times of Zambia]

Updated: Weekend Scorecard: Libya Wins, Zambia Slip to Second

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Libya beat visitors Comoros at their temporal home in Mali on Monday evening  to win to return to the top of Group C and  dislodge Zambia from the Group C summit.

Playing in Bamako away from the civil strife back home, Libya beat winless and bottom of the table Comoros 3-0 to move to second place level on seven points while  Zambia  are a point behind on six with three games played each while Mozambique are third on four points.

Meanwhile, Zambia coach Dario Bonetti and five home based players returned home this evening from Maputo where they beat Mozambique 2-0 on Sunday.

“Everybody knew that this game was important to win and everything is in our hands now,” Bonetti said at Lusaka International Airport upon arrival.

Match day four resumes in June with Zambia hosting Mozambique on June 4.

2012 Africa Cup of Nations Group C Qualifier

28/03/2011

Bamako

Libya 3(Elkathrousi  21″, Ahmed Wafa 70″, Mohamemd Jamal 82″ )- Comoros 0

27/03/2011

Machava Stadium, Maputo

Mozambique 0- Zambia 2(James Chamanga 14″, Emmanuel Mayuka 90″)

2012 Olympic Qualifying result

27/03/2011

Nkoloma Stadium, Lusaka

Zambia 2 (Rodrick Kabwe 13″, Roger Kola 35″)- Rwanda 0

Measures in place to ensure Zambia benefits from mineral resources-Musokotwane

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Finance Minister, Situmbeko Musokotwane says stringent measures have been put in place to ensure Zambia gets a fair share of resources from the country’s mineral wealth.

Dr Musokotwane says this is being pursued without scaring away investors in the mining sector.

And Dr Musokotwane says a team of experts appointed to do an audit on the operations of mines, marketing and sales should be given sufficient time to do a thorough job.

He was speaking when he opened a regional meeting on Tax Policy and Development in Livingstone.

The meeting hosted by the Zambia Revenue Authority focuses on cooperation between organisations for economic cooperation and development OECD and Non OECD countries.

Earlier, Zambia Revenue Authority Commissioner General Wisdom Nhekairo said there is need to scale up cooperation in tax issues between OECD and non OECD countries.

He said lessons from the meeting will be used to improve on tax policy and administration in Zambia.

Government with the help from the International Monitory Fund -IMF- and other cooperating partners has instituted a special audit of mines.

ZNBC

VISA debit card usage in Zambia grows by 34%

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World leading electronic payment network VISA, has reported a 21 per cent growth of its payments volumes across the sub Saharan Africa for the year 2010.

The increase in the transaction volume followed a successful year for VISA terms extending its debit business in the region.

This is according to a statement by VISA and made available to ZNBC News in Lusaka on Monday.

VISA said the payment volume in Zambia grew on its debit cards by 34 per cent.

VISA believes that access to secure electronic payments through products such as debit cards is a vital first step towards financial inclusion and economic growth.

ZNBC

RB expected in Livingstone tomorrow

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President Rupiah Banda

President Rupiah Banda is tomorrow expected in the tourist capital Livingstone, to officiate at the Seventh Zambia International Business Advisory Council-ZIBAC meeting.

The main objective of the ZIBAC meeting, scheduled to take place on March 30th to 31st will be to identify key actions and responses to enhance the creation of jobs in the country.

President Banda who will join several international advisors and key investors says the creation of jobs for youths is top priority on government’s development agenda.

Mr. Banda says government will also provide support to Zambians wishing to start their own businesses.

This is contained in a statement released to ZNBC news by the President’s Special Assistant for Press and Public Relations Dickson Jere.

President Banda says his government is determined to create quality jobs for Zambians.

The President is of the view that government can address poverty through the creation of quality jobs.

President Banda is expected to convene a Heads of State SADC Troika Summit after attending the ZIBAC meeting in Livingstone.

The meeting of the SADC Organ on Defence and Security Cooperation is expected to tackle among others the Zimbabwe and Madagascar political challenges.

Zambia has attracted a lot of foreign direct investment over the past two years since Mr. Banda became Republican President.

President Banda has also accelerated the business reforms, which have led to Zambia being rated as one of the top ten reformers in the world.

 

ZNBC

Supreme Court allows UPND MP to file for appeal

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Eliot Kamondo (r) with UPND leader Hakainde Hichilema
Eliot Kamondo (r) with UPND leader Hakainde Hichilema

The Supreme Court has delivered a consent judgment to pave way for Mufumbwe Member of Parliament Elliot Kamondo to file records of appeal against the nullification of his election results.

However, the restoration of the High Court’s verdict to nullify his election results still stands, pending the hearing of a fresh application before the full bench of the Supreme Court.

On March 16, Supreme Court Judge Muyinda Wanki restored the High Court’s decision to nullify the Mufumbwe poll result.

He had last year stayed the execution of the judgment after Mr Kamondo sought the stay of the judgment.

Re-instating the High Court’s decision Judge Wanki agreed with the sentiments by the petitioner Mulondwe Muzungu that Mr Kamondo had not adduced evidence whether his appeal would succeed.

Mr Muzungu of the MMD lost to UPND’s Elliot Kamondo during the Mufumbwe parliamentary by-election held last year.

Mr Muzungu asked the Supreme Court to discharge the stay of the High Court’s judgment on grounds that Mr Kamondo’s appeal was ill fated and had no prospects to succeed.

He also submitted that the appellant had lamentably failed to demonstrate that the appeal was meritorious.

He submitted that Mr Kamondo had only adduced that he had appealed, and would inform the speaker of the National Assembly not to declare the Mufumbwe seat vacant.

On December 15, 2010, High Court Judge Philip Musonda nullified the Mufumbwe Parliamentary by-election.

This was after a protracted hearing where many witnesses testified that the by-election was marred with violence.

ZNBC

Twelve perish, as truck rams into Mazabuka Shoprite

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Twelve people have died in a fatal road traffic accident in Mazabuka after an over loaded light truck they were travelling in plunged into Shoprite Checkers killing eleven people among them two toddlers on the spot.

Ten others are battling for their lives in the district hospital.

Both Mazabuka district officer commanding, Lizzy Machina and Southern province commanding officer, Lemmy Kajoba who confirmed the accident in Mazabuka today said the death toll was expected to rise because of serious injuries the victims sustained.

Mr. Kajoba said the accident occurred around 06: 45 hours when a Mitsubishi Canter Registration Number ABJ 3688 lost control and rammed into Mazabuka Shoprite barriers before it overturned.

The commanding officer says six men including the driver who he identified as Lovewell Chileya of Lusaka, four women and two children died in the accident.

Mr. Kajoba says the vehicle was carrying twenty seven fish traders from Lusaka to Monze.

He has cautioned drivers to be careful whenever they approach the slop in front of Mazabuka Shoprite due to the many accidents that have so far occurred at the same spot.

He said the loaded truck had been reduced to a shell because of the impact of the accident.

And Mazabuka district commanding officer, Lizzy Machina who supervised the search of the bodies at Shoprite said a toddler was discovered dead at 08:45 as well wishers, council workers and Zambia Sugar employees helped in the search.

Machina said the accident could have been avoided if all the passengers heeded to the advice by the driver after he had asked them to offload their cargo near Mazabuka Community radio.

According to Machina, the victims were pitched on top of the cargo which included, mealie meal, sugar, sugarcane, opaque beer and fridges.

But Mazabuka district hospital Superitendant, Cosmas Chishimba said the hospital has only recorded 11 deaths among them five males, four females and two children.

Dr. Chishimba further said 10 others are battling for their lives and described their condition as serious.

He however said the challenge the hospital administration is faced with is the identification of the dead because of lack of identity cards.

Dr. Chishimba said his office was now working closely with Police to find ways of searching for identity cards for the deceased from their bags.

She explained that the driver pleaded with the passengers to get off the truck because Police traffic officers had cautioned him against travelling to Monze using a non roadworthy vehicle.

And conductor of the fateful truck, Kennedy Kasongo explained that the truck which departed Lusaka around 19:00 hours from Chibolya market had mechanical faults on two occasions.

Kasongo said the first break down was in Chilanga where the truck had a tyre burst but the driver managed to control it.

He further disclosed that after the tyre was mended at 23:00 hours yesterday, the driver started off for Monze and managed to by-pass the Kafue road block without any problem despite the over load.

Kasongo however said Police traffic officers at Ten miles police post advised the driver not to proceed with the truck to Monze because it was overloaded and advised that he finds alternative transport in order to decongest the truck.

He said some passengers refused to heed to the advice.

Kasongo said it was at that point that the driver kick started the truck and later switched off the engine forcing the truck to drive at a faster speed as it descended to the sloppy Shoprite road.

[ZNBC/QFM]