Every month or quarter, the Bank of Zambia (BoZ) issues hundreds of millions of Kwacha in government securities. While anyone with a local bank account and a Central Securities Depository (CSD) profile can participate, how you submit your application determines how your yield is set. When applying for a GRZ bond auction, you must choose … Read more

When looking to grow your Kwacha in Zambia’s fixed-income market, the two primary instruments issued by the Bank of Zambia (BoZ) on behalf of the government are Treasury Bills (T-Bills) and Government Bonds (GRZ Bonds). While both are sovereign debt instruments designed to preserve capital and yield higher returns than standard bank savings accounts, they … Read more

Introduction When looking to grow wealth safely in Zambia, standard bank savings accounts often fall short against inflation. That is why a growing number of Zambians are turning to government securities in Zambia—specifically, government bonds. If you have already decided that you want a predictable, secure financial asset to diversify your portfolio, this step-by-step Zambia … Read more

Chilimba is one of Zambia’s oldest and most widely used informal savings systems. It’s a type of Rotating Savings and Credit Association (ROSCA), where a group of people agree to contribute a fixed amount of money at regular intervals, and each member receives the entire pooled amount in turn. (Boz) How Chilimba works Here’s a … Read more

If you currently have an active loan with Zamloan and need to access additional funds before your final installment date, you can apply for a loan top-up. The automated underwriting engine evaluates your eligibility based on your account performance and current financial standing. Zamloan Top-Up Requirements: A Step-by-Step Guide If you have an active loan … Read more