Stories

How to Write a Winning Business Plan for a Loan Application in ZambiaA business plan for a loan application in Zambia should do more than describe an appealing concept. It should give a lender evidence that the business can earn…
What are the hidden fees in Zambia’s mobile money transfer servicesMobile money is now a routine part of commerce in Zambia, letting people send wages, school fees and shop payments through wallets linked to agents. A transfer…
How to Avoid Solar Panel Scams When Buying Online in ZambiaBuying solar panels online in Zambia can be convenient, especially for households and small businesses comparing prices across Lusaka, the Copperbelt, and…
The role of exercise in managing depression without medicationDepression can drain energy, disrupt sleep, reduce concentration and make ordinary tasks feel unusually heavy. It may also cause loss of interest,…
How to create a budget that works with irregular incomeA fluctuating income can make ordinary budgeting methods feel unrealistic. If you work casually, run a small business, accept freelance jobs, rely on…
What to Know About Zambia’s Tax Refund Process for IndividualsZambia’s income tax refund process applies when money has been withheld from an individual but the final tax liability is lower. The usual source is PAYE…
How to start a Lusaka vegetable vending business with little capitalA vegetable vending business in Lusaka can begin with little capital when you treat produce turnover, not equipment, as the main investment. A table, reused…
Social Media, Self-Esteem and Healthier Digital HabitsSocial media influences how people see themselves through likes, comments, shares, follower counts and carefully selected posts. These visible signals can…
How to negotiate better terms on a used car purchase in ZambiaBuying a used car in Zambia is rarely a simple haggling session. The useful negotiation is the one that improves the vehicle, the cash price, the payment…
A beginner's guide to Zambia's banking systemZambia’s financial system combines conventional banks, credit unions, non-bank lenders, mobile-money services and a cash-heavy economy. The Bank of Zambia sits…