Repaying your Zamloan loan is quick and convenient using mobile money. You can settle your balance directly from your phone using Airtel Money, MTN Mobile Money, or Zamtel Kwacha. Method 1: Repay via Airtel Money Note: Airtel charges standard mobile money transaction fees. The exact fee will be displayed on your screen before you confirm … Read more
This guide provides a detailed breakdown of ZamLoan interest rates, recurring fees, and repayment structures, using exact account parameter data from the official portal. Understanding how interest rates, administrative charges, and monthly repayments work in practice is essential before taking out any personal or payroll-backed loan. Looking solely at an advertised interest rate can be … Read more
This guide details the publicly available eligibility rules, required documentation, and key evaluation factors used when assessing loan applications for ZamLoan (and related payroll/salary advance credit services under ZamCredit) in Zambia. Whether you are seeking a personal loan to cover an unexpected emergency, fund school fees, or bridge a cash-flow gap before payday, understanding a … Read more
This comprehensive guide walks you through Zamloan Application Online. It shows you everything you need to know to complete your Zamloan Application smoothly and secure fast disbursement. Applying for a loan can be a fast, straightforward process when you know exactly what eligibility criteria, documents, and application steps are required. You will find this article … Read more
Building a high-yielding local currency investment portfolio in Zambia requires choosing the right mix of fixed income and equity instruments. For long-term investors, the choice usually comes down to two flagship asset classes: Government of the Republic of Zambia (GRZ) Bonds and stocks listed on the Lusaka Securities Exchange (LuSE). While both instruments allow you … Read more
For yield-conscious savers and income investors in Zambia, choosing where to park cash reserves is a fundamental decision. For years, commercial bank Fixed Deposits (FDs) were the default choice for individuals, investment clubs, and corporate entities seeking low-risk interest returns. However, as nominal yields on Government of the Republic of Zambia (GRZ) Bonds maintain historically … Read more
Investment clubs, chilimba groups, and Savings and Credit Co-operative Societies (SACCOs) across Zambia are increasingly moving away from sitting on idle cash in low-yield commercial accounts. Pooling member contributions to buy Bank of Zambia (BoZ) Treasury Bills and GRZ Bonds offers a low-risk way to lock in predictable, high-yielding returns—protecting group capital from inflation and … Read more
For investors in Zambia, understanding taxation on government debt is crucial to calculating your actual net income. When you invest in Government of the Republic of Zambia (GRZ) bonds, your returns are subjected to statutory tax and administrative deductions automatically applied at source by the Bank of Zambia (BoZ) on behalf of the Zambia Revenue … Read more
With high nominal yields on Zambian government securities—often reaching 15% to 18%+ on benchmark tenors—offshore institutional and retail investors frequently turn to Government of the Republic of Zambia (GRZ) bonds and Treasury Bills (T-Bills) in search of yield. While Zambia’s regulatory framework for capital flows is among the most open in Sub-Saharan Africa, foreign portfolio … Read more
For income-focused investors in Zambia, Government of the Republic of Zambia (GRZ) bonds are among the most popular fixed-income instruments available. Unlike Treasury Bills—which are short-term, zero-coupon investments bought at a discount—GRZ bonds are long-term debt instruments that pay regular, predictable interest. These interest payments are called coupons. Understanding how coupon rates are calculated, when … Read more
