Highlights on Zambia’s MSMEs
• Snapshot of 2024 Budget measures
• Revised definition of MSMEs in Zambia
• MSMED Leaders
• Must read MSMED documents Inside this Issue
Message from Editorial Team
Welcome to the first issue of the MSME Spotlight Magazine, a publication of the Ministry of Small and Medium Enterprise Development focusing on the Micro, Small and Medium Enterprises. The editorial team applauds all MSMEs in Zambia for contributing to the economic development of this country. They are the nation’s pillar in poverty alleviation and their economic strength is felt both at
household and national levels.
The purpose of the publication is to shine a spotlight on the MSMEs with the view to close the information gap that may exist with regards sector players linked to the Ministry and its efforts to create an enabling environment for MSMEs to thrive. It also includes actual entrepreneurs who have shared how they have turned their passion and interests into viable businesses to sustain
Editorial Team
their livelihood and extend a helping hand to the community through their entrepreneurship activities.
The magazine showcases the importance of MSMEs and provides valuable information and inspiration to entrepreneurs, policymakers, and all stakeholders involved in promoting the growth and success of MSMEs in Zambia.
Happy reading!
Lwicha Chifungula
Sabe Mphande
Joachim
Charity Miti
Dorcas Mwale
FOREWORD
On behalf of the Management and staff of the Ministry of Small and Medium Enterprise Development, I have the pleasure to present the first edition of the Micro, Small and Medium Enterprise (MSME) Stoplight Magazine. The MSME Spotlight Magazine is aimed at highlighting the role of the Ministry in fostering the growth and development of MSMEs. It will also showcase the key highlights and opportunities for MSMEs in Zambia. This is a platform through which MSMEs will be showcased and have their products advertised.
As Government, we are aware that the MSMEs play a big role in creating employment opportunities especially among the youth and women. It is for this reason that the Government
through my Ministry will continue to strive in creating an enabling environment to ensure that MSMEs and Cooperatives are given opportunities for them to contribute to the transformation agenda in line with the Eighth National Development Plan (8NDP) and vision 2030.
Government is also mindful that the MSMEs and cooperatives were not spared from the adverse effects of the COVID-19 pandemic. I would like to commend the MSMEs and Cooperatives that turned the pandemic into an era of opportunities in which new innovations were introduced throughout the country, some of these innovations include but not limited to the following; door to door delivery services, online taxi services and online shopping. With such crop of innovative small businesses, I am very confident the country’s economic outlook is bright as both the Government and the small businesses are ready to contribute to the development the country through the reduction of poverty, employment creation and wealth creation
Hon. Eng. Elias Mubanga ,MP MINISTER OF SMALL AND MEDIUM ENTERPRISE DEVELOPMENT
MEET THE PERMANENT SECRETARY
The Ministry of Small and Medium Enterprise Development in Zambia welcomed the Permanent Secretary on April 14, 2023. The Permanent Secretary brings a unique blend of skills and experience to the role, with a background in IT and
Public Relations. She is poised to make a significant impact on the growth of Micro, Small, and Medium Enterprises (MSMEs) in the country.
Mrs. Mutelo is passionate about providing the necessary support and resources for MSMEs to thrive. Recognizing the challenges they face, including limited access to finance and technical expertise, she is actively collaborating with various stakeholders to develop policies and programmes that will enhance the business environment for MSMEs.
The Permanent Secretary’s professional journey demonstrates her capability and commitment to her new role. She is a mem-
ber of several professional institutions, including the Institute of Directors (IoD) and Zambia Institute of Marketing (ZIM).
With her extensive background in IT, sales, marketing, and management, Zambia’s MSMEs can look forward to a brighter future. Her dedication to supporting their growth and harnessing the power of technology to drive innovation gives an assurance that the country’s MSMEs are on a path to contribute significantly to the nation’s GDP and create jobs and wealth.
Subeta K. Mutelo (Mrs.)
GET TO KNOW ABOUT THE MINISTRY!
OVERVIEW
Vision: “Sustainable, prosperous co-operatives and micro, small and medium enterprises’’
The Ministry of Small and Medium Enterprise Development was established in September, 2021. The mandate of the Ministry is to promote the growth of Micro, Small and Medium Enterprises and Cooperatives in order to enhance job and wealth creation across the country.
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Mission statement: “To promote the growth and development of competitive MSMEs and cooperatives for enhanced economic transformation and job creation”.
The Ministry is represented in all the provinces where it provides cooperative and entrepreneurship development support services.
The Ministry also implements its policies through the Citizen Economic Empowerment Commission (CEEC).
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MSMED LEADERSHIP
Meet our Directors
Director Human Resource and Administration
Director Finance
Ms. Bernadette Mwakacheya Director Small and Medium Enterprise Deuelopment
Mr. Henry Lumbeta Director Registration and Regulation
Nicholas
Director Planning and Information
Mr. Kennedy Mumba Director Business Deuelopment and Grants
Dr. Mweemba Mwiinga Director Cooperatiues and Enterpreneurship Deuelopment
Ms. Florence Sichundu
Mr.
Chikwenya
Mr. Giston Kasamu
MSMEs in Zambia are defined based on the following business variables:
· Annual Turnover
· Total Fixed Investments
· Number of Employees
· Legal Status (Registration by registrar of companies and or any other legally recognised licensing institutions)
NOAH HARRIS MAKWILIMBA
CEO of M24 AGRI HUB
Driving Sustainable Agriculture in Zambia
Noah Harris Makwilimba, CEO of M24 Agrihub, is an entrepreneur in agriculture who formalized his business in May, 2021 with PACRA. Just like any other start up SME, in the beginning, the business had its own share of challenges ranging from internal (management) and external (Market and traction).
The business started unfolding when it fully formalized with regulatory agencies
like ZRA, ZPPA, ZDA, and interactions with the Ministry of Small and Medium Enterprise Development.
M24 Agrihub has served farmers in more than 20 districts around the country through their various products and services, ranging from trainings, soil testing, business development, marketing and consultancy.
While on the course of their journey, they have helped quite a number of
businesses formalize their activities as part of our business development service.
The greatest achievement that the business has attained as a result of formalization is exposure to a number of funding opportunities from both the Government and the private sector.
In August 2023, the Ministry of Small and Medium Enterprise Development allocated free exhibition spaces to various SMEs from different industries to showcase their innovations, and M24 AgriHub was one of them. This gave it a spotlight as a business and exposed it to more than 30,000 people inclusive of businesses, prospective customers and partners in the six days of the show activities. M24 Agrihub has so far closed a number of deals from the pool of contacts that visited the stand during the show.
As Noah continues to champion sustainable practices and empower farmers, he is paving the way for a brighter and more prosperous future for poultry farming in Zambia.
MAKNEPO ENTERPRISES
nurturing Excellence in Honey & Beeswax Production
The company’s ability to rise above challenges is complemented by a commitment to delivering high-quality products promptly.
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In the vast landscape of business,
Maknepo Enterprise stands as a beacon of excellence, rooted in a foundation of experience, skills, and unwavering dedication. Maknepo Enterprise has positioned itself as a leading supplier of honey and beeswax, with a commitment to superior quality and timely delivery.
Maknepo Enterprise’s vision transcends challenges, emphasizing innovation and resourcefulness. The company’s ability to rise above challenges is complemented by a commitment to delivering high
quality products promptly. With a flexible approach and a keen eye on market demands, Maknepo Enterprise creates achievable time frames, ensuring the satisfaction of its clients.
Maknepo Enterprise takes pride in its role as a supplier of honey and beeswax, placing a premium on quality. The company employs rigorous quality practices and encourages employee involvement to continually enhance its manufacturing standards. This commitment to quality extends to
both domestic and international markets, fostering customer and employee satisfaction.
Maknepo Enterprise stands as a testament to what can be achieved through a harmonious blend of experience, innovation, and a valuesdriven approach. As a supplier of choice in the honey and beeswax industry, Maknepo Enterprise is not merely a business entity; it is a force dedicated to empowering individuals, communities, and the industry as a whole.
SMART GOAL SETTING: A KEY TO SUCCESS FOR MSMEs
By Charity Miti- Economist and Dorcas Mwale- Economist (MSMED)
Setting goals is an integral part of running a successful business, no matter the size. For micro, small and medium enterprises (MSMEs), in particular, effective goal setting is crucial for growth and long-term success. One popular and
effective approach to goal setting is the SMART (Specific, Measurable, Achievable, Relevant, and Timebound) methodology. SMART goal setting provides MSMEs with a framework to set clear and actionable objectives that can
propel their businesses forward.
In this article, we will explore the benefits of SMART goal setting for MSMEs and how to implement this approach in practice.
S M A R T
Specific
Make sure your goals are focused and identify a tangible outcome. Without the specifics, your goal runs the risk of being too vague to achieve. Being more specific helps you identify what you want to achieve. You should also identify what resources you are going to leverage to achieve success.
Measurable
You should have some clear definition of success. This will help you to elevate achievement and also progress. This component often answers how much or how many and highlights how you’ll know you achieved your goal.
Attainable
Your goal should be challenging, but still reasonable to achieve. Reflecting on this component can reveal any potential barriers that may need to overcome to realize success. Outline the steps you’re planning to take to achieve your goal.
Benefits of SMART Goal Setting for MSMEs:
● Focus and Efficiency: SMART goal setting provides MSMEs with clarity and direction. By setting specific objectives, MSMEs can concentrate their efforts on activities that directly contribute to those goals. This focus enhances efficiency and reduces wasted resources on non-essential tasks.
● Motivation and Engagement: Clear and measurable goals help to motivate and engage MSME owners and employees. Having a tangible target to work towards creates a sense of purpose and accomplishment. Regularly tracking progress and
Relevant
This is about getting real with yourself and ensuring what you’re trying to achieve is worthwhile to you. Determining if this is aligned to your values and if it is a priority focus for you. This helps you answer the why.
celebrating milestones boosts morale and keeps everyone motivated.
● Adaptability and Flexibility: SMART goals are adaptable to changing circumstances. As MSMEs navigate the unpredictable nature of business, having goals that are specific, measurable, achievable, relevant, and time-bound allows for adjustments and realignment without losing sight of the overall vision.
● Improved Decision-Making: SMART goal setting encourages data driven decision- making. By having measurable goals,
Time- Bound
Every goal needs a target date, something that motivates you to really apply the focus and discipline necessary to achieve it. This answers when. It’s important to set realistic time frame to achieve your goal to ensure you don’t get discouraged.
MSMEs can analyse performance and make informed choices based on concrete evidence. This helps to avoid guesswork and promotes strategic thinking.
MSMEs are, therefore, encouraged to set SMART Goals!
Elina Chanda, a passionate advocate for poverty eradication and environmental stewardship, embarked on a journey to transform her community through sustainable practices. As the CEO of Elichi Greens, which was established in 2020, in Kang’omba village, Kabwe district, Ms. Chanda is leading the charge
Empowering Communities and Preserving the Environment Through Elichi Greens
in promoting a clean and green environment through the production of green charcoal and organic farming.
Her mission to fight climate change and uplift vulnerable communities has already started bearing fruit, with 30 women from Soko and Judah villages in Kapiri Mposhi, as well as 12 youths from Kangomba village in Kabwe having benefited from training programs. This includes training in the production of charcoal briquettes and biochar, a beneficial soil amendment which is used as an organic fertilizer made from agricultural waste such as maize husks, cobs, groundnut shells, sawdust, dried leaves, and branches. Her aim is to empower the most vulnerable members of society with the skills and knowledge required to combat these pressing challenges.
Eliina Chanda’s commitment to promoting a clean and green environment extends beyond her training initiatives. She has also established an eco-club at Don Bosco Makululu Secondary School. This club focuses on reducing plastic waste, instilling a sense of environmental responsibility in the younger generation. By imparting knowledge and fostering a sense of environmental stewardship at an early age, Elina is nurturing a future generation of eco-conscious individuals.
Elichi Greens primarily offers green charcoal for commercial use in various industries such as poultry farming, plant boiling, and steam production. Additionally, they produce small charcoal briquettes for domestic use, providing an eco-friendly alternative source of energy.
Rustic Pallets
Crafting Sustainable Furniture for a Greener
Future
Rustic Pallets Limited is not your typical furniture manufacturing company. With a strong commitment to recycling and sustainable practices, they are revolutionizing the industry by creating innovative furniture pieces while preserving and regenerating the environment. Their unique approach to business and design is propelling them towards becoming one of the top
Rustic Pallets Limited is not your typical furniture manufacturing company. With a strong commitment to recycling and sustainable practices, they are revolutionizing the industry by creating innovative furniture pieces while preserving and regenerating the environment.
Whether you’re an individual looking for a Do It Yourself (DIY) project or a commercial client requiring intricate shop fittings or office furniture, Rustic Pallets caters to all. Their young and innovative team combines the rustic charm of African designs with contemporary elements, creating unique and tailor-made solutions to suit every client’s needs. They provide a complete turnkey service, involving
furniture, cabinets, or outdoor sofa sets, Rustic Pallets offers a diverse range of products for both commercial and domestic clients.
Rustic Pallets integrates green energy components into every stage of their production process. From relying on naturally fallowed timber to recycling pallets and discarded wood, they strive to minimize their carbon footprint. Rustic Pallets Limited is more than just a
interior design companies in Zambia by 2026.
The Rustic Pallets team understands the importance of conserving resources. The company specialises in recycling wood and steel to create new and functional furniture pieces. By using lumber off-cuts , the company ensures that no materials go to waste. Its dedication to recycling lumber that would otherwise be used for charcoal and firewood sets them apart as a responsible and sustainable company.
clients throughout the production process to ensure maximum satisfaction and exclusivity.
Rustic Pallets utilises a wide array of indigenous Zambian woods, such as Mukwa, Rosewood, Mupapa, Teak, Pine, and Eucalyptus, to craft their furniture pieces. Their commitment to a zerowaste policy extends beyond just wood. They repurpose bark and other discarded materials to create Afrocentric rustic finishes for frames and décor. Whether it’s school desks, office
furniture manufacturing company. Their passion for the environment, innovative design solutions, and dedication to sustainable practices make them a trendsetter in the industry. With their vision of becoming an award-winning, environmentally friendly company, Rustic Pallets is shaping the future of furniture manufacturing in Africa. By choosing Rustic Pallets, clients not only get unique, durable, and stylish furniture but also contribute to a greener and more sustainable future.
SNAPSHOT OF 2024 BUDGET MEASURES
The 2024 budget address presented by Honourable Dr Situmbeko Musokotwane, MP, Minister of Finance and National Planning, proposed changes to selected tax provisions, which would impact on micro, small, and medium enterprises (MSMEs) as highlighted below: These measures came into effect on 1st January, 2024.
1. Increase the PAYE exempt threshold to K5,100 per month from K4,800. This means anyone who gets paid from K1 to K5,100 will not be required to contribute Pay-As-You-Earn. This means that an individual who earns income which is below K5,100 per month, will not be required to pay PAYE. This will increase disposable income of individual taxpayers.
2. Extend the 2% local content allowance on income earned from value addition of locally
grown tomato, cassava, mango, and pineapple to include sorghum and millet. This meansure is intended to reduce the cost of production, therefore Agribusiness value chains among MSMEs.
3. Increase the tax concession for businesses in a rural area to 20% from 14.2% of the applicable corporate income tax rate for the first five years in operation and extend to all sectors, except mining.
4. Provide tax holidays to the cotton value chain as follows:
a) 5-year tax holiday on profit for local producers of cotton seed;
b) 5-year tax holiday on profit from ginning of cotton; and
c) 10-year tax holiday on profit made from spinning of cotton and weaving of thread.
5. Exempt for VAT purposes the supply of mains water and sewerage services.
With the reduction of business tax for 5 years, MSMEs will be better positioned to expand their investment
6. Provide for the appointment of Mineral Royalty Withholding Agents. The measure is intended to improve compliance for mineral royalty among the artisanal and small-scale miners.
7. Remove customs duty on importation of motorcycles and tricycles imported in complete knock down form for companies that assemble and source at least 5 % inputs locally.
9. The basis of excise valuation for spirits, liqueurs and other spirituous beverages will be determined on the basis of market price and not the value of the input at importation.
10. Suspend the Excise Duty rate by 50 % on locally produced clear beer, for a period of 3 years for small and medium manufacturers that produce less than 500,000 litres per annum.
11. Remove customs duty on the following:
a) Electric motor vehicles designed for the transport of persons;
b) Electric buses and electric trucks
c) Accessories of electric motor vehicle or cycles such as charging systems
12. Reduce the excise duty on hybrid vehicles designed for the transportation of persons to 25% from 30%. For specific details on the type of vehicles see the Customs and Excise (amendment) Act, 2023 at www.msme.gov.zm
13. Increase the customs duty rate on all imported electrical panels (distribution boxes) from 15 % to 25 %.
14. The working hours at Mokambo, Kipushi and Sakania border post will be extended from 8 hours to 24 hours a day and designate the border posts as Customs Houses.
15. The number of days for goods to be moved in bond are to be bonded or final cleared will be reduced from 15 days to 5 days.
8. Increase the specific excise duty on non-alcoholic beverages (including UHT juices) from 30 ngwee per litre to 60 ngwee per litre.
Extended Concessions Introduced
Prior to the 2024 Budget
The following measures have been extended from the date of their introduction (2023) up to 31st December 2025;
1. Duty free importation of polymers of styrene for green houses, polymers of vinyl chloride for greenhouses, polyurethane for green houses, regenerated cellulose for green houses, other plastics for green houses for individuals holding a letter from the Ministry of Agriculture. The letter should state that the goods are authorised for duty-free importation. See the Customs and Excise (Greenhouse)(Suspension) Regulations, 2022. (Statutory Instrument No. 94 Of 2022) at www.msme.gov.zm
2. Duty free when imported or taken out of bond of tree crop seedlings of cashew nuts, avocados and bananas for individuals holding a permit from the Ministry responsible for agriculture until 31st December 2025. See the Customs and Excise (Tree Crop Seedlings) (Suspension) Regulations, 2022. (Statutory Instrument No. 101 of 2022) at www.msme.gov.zm
3. Duty free importation of wrapping machines, trucks designed to carry waste such as skip loader vehicles and road sweeper lorries, as well as refuse compactors vehicles for a licensed solid waste provider in accordance with the Solid Waste Management Act, until 31st December, 2025. See the Customs and Excise (Waste Management and Recycling Equipment) (Suspension) Regulations, 2022. (Statutory Instrument No. 103 Of 2022) at www.msme.gov.zm
4. Duty free importation for aquaculture equipment for holders of a valid aquaculture license under the Fisheries Act, until 31st December 2025. Some of the items include upper lining foil, reservoirs, tanks of a capacity exceeding 300 liters, life jackets and life belts, vacuum pumps, refrigerators, freezers, self-propelled bulldozers, angle dozers, levelers,
scrappers, mechanical shovels, excavators, shovel loaders and tamping machines. For a comprehensive list of duty free items see the Customs and Excise (Aquaculture) (Suspension) Regulations, 2022; (Statutory Instrument No. 100 of 2022) at www. msme.gov.zm.
5. Duty free importation on selected media, film and music equipment until 31st December 2025 to promote growth in the media and film industry. For a comprehensive list of duty free items see the Customs and Excise (Music and Film Equipment) (Suspension) Regulations, 2022; (Statutory Instrument No. 95 of 2022) at www.msme.gov.zm.
6. Duty free importation of prefabricated housing units until 31st December 2025. For the comprehensive list of duty-free items see the Customs and Excise (Prefabricated Housing Units) (Suspension) Regulations, 2022; (Statutory Instrument No. 96 of 2022) at www.msme.gov.zm.
7. Duty free importation where a tourism enterprise imports goods for a purpose of operation of the tourism enterprise such as motor vehicles, metal furniture, amusement park equipment, dish washing machines, microwave ovens and coffee or tea makers. For the comprehensive list of duty-free items see the Customs and Excise (Tourism Enterprises) (Suspension) Regulations, 2022; (Statutory Instrument No. 102 of 2022) at www.msme.gov.zm. This incentive is applicable to accommodation establishments, casinos, tour operating businesses, travel agents, amusement or theme parks, air charter and gliding businesses, water sport, a vehicle or vessels leasing business, a house boat, businesses in hunting safari, wilderness walks, camping, backpacking, mountain climbing, sight-seeing, tour guide or travel services, tourism guide rescues, restaurants, discotheque, a convention, conference centre, an enterprise or person catering for tourists or events or providing outside catering services or an exhibition.
Kumawa Apparel: Where Craftsmanship Meets
Customization
Kumawa Apparel is a clothing brand under Kumawa Enterprises, a family clothing manufacturing business established in 2019 by uncle and nephew-Timothy Mwandila and Mark Maluleka respectively. The brand started with accessorizing t-shirts to full-on manufacturing of gents’ and ladies’ formal suits, nurses’ and school uniforms, graduation gowns, work suits, shirts, dresses, and many others.
The history of the brand stems from a family business started by Timothy’s mother who has been sewing ladies’ and gents’ clothes for the past 30 years. Part of her retirement plan was to teach all her children and grandchildren how to sew. Timothy is one of her sons who picked up on the craft together with Mark, her grandchild. The two utilized their university school breaks to learn not only how to design but to cut cloth and tailor
clothes as well.
Timothy who is a qualified Civil Engineer and Mark a qualified Quantity Surveyor, did not forsake the talent in tailoring and designing that they picked up but further built on it whilst doubling with their individual careers in the engineering field
The duo then established the Kumawa brand to specialize in
formal and casual gents’ clothes before expanding to other different types such as uniforms, graduation gowns, and ladies’ and kids’ clothing. To date, Kumawa apparel has dressed up countless wedding parties, graduation ceremonies, and various corporate and private event attendees and continues to do so.
The clothes are made on order and are customized to the clients needs. Kumawa’s goal is to create clothing that has the DNA of the owner and that of the creator. The creative minds at Kumawa actualizes the client’s vision to make outfits that are unique and speak to each client’s taste.
Karen Maunge, Pixie Beauty CEO’s remarkable hairstylist’s journey began as a young woman with a dream of pursuing college education. Faced with the financial challenges of funding her studies, she decided to put her passion for hairstyling to good use. Little did she know that this decision would not only help her achieve her educational goals but also touch the lives of countless women.
With an innate talent for hairstyling and an unwavering determination, she honed her skills and started offering her services. What made her work truly exceptional was her special focus on women who were grappling with the emotional and physical challenges of hair loss.
She dedicated herself to creating stunning pixie haircuts, which not only gave a stylish and modern look but also helped conceal hair
Her ability to listen, empathize, and provide personalized hair solutions made her a beacon of hope for these women.
loss, offering a renewed sense of confidence.
Word quickly spread about her transformative work, and soon, she found herself inundated with clients who had various hair loss concerns. Her ability to
listen, empathize, and provide personalized hair solutions made her a beacon of hope for these women. She didn’t just cut and style hair; she crafted each pixie haircut with care, tailored to suit the individual needs and preferences of her clients.
Over the years, she expanded her repertoire, offering wig
customization and other innovative techniques to help women facing hair loss. Her salon became a safe and welcoming space where women could share their stories, find support, and emerge with a newfound sense of beauty and self-assuredness.
Not only did she excel as a hairstylist, but she also became a pillar of support and inspiration for many. Her journey, from a young college aspirant to a beacon of empowerment for women, demonstrates the transformative power of following one’s passion and using it to make a positive impact on the lives of others.
MSMEs and E-commerce
What is E-Commerce? E-Commerce is any form of business transaction that is conducted electronically rather than through physical exchanges or direct contact.
Emerging technology trends for Micro, Small and Medium Enterprises (MSMEs) are centred around the use of Information and Communication Technologies (ICT’s) and E-Commerce to enhance business services and production. Investments in ICTs have proven to be beneficial for MSMEs because they enable businesses to operate more efficiently. E-Commerce, in particular, plays a significant role in facilitating online business activities for products and services.
For MSMEs, ICTs offer competitive advantages by enabling them to compete with major market players and target the same customer base. There are various methods that can be used to achieve this. One such method is the use of social media platforms. Social media encompasses a range of internet-based and mobile services that allow users to participate in online exchanges, contribute to user-created content, and join online communities. Examples of social media platforms include blogs, such as WordPress, Tumblr, and wikis, which are collective websites where participants can modify or create pages.
Social network sites, like Facebook and Linkedin, provide a platform for individuals to create public profiles, connect with other users, and interact within a bounded
Emerging trends in Technology for MSMEs
By Lwicha Chifungula - Economist, MSMED
system. Similarly, media sharing sites such as Y ouTube, Instagram, and Pinterest allow users to share videos and photographs. These social media platforms can be utilised by MSMEs to promote their products or services to a wide range of potential customers. Additionally, businesses can take advantage of social media groups
registration constraints and the introduction of more transparent processes have levelled the playing field in public procurement. This can be seen by the introduction of Electronic Government Procurement (EGP) platform which enables MSMEs to participate in public procurement.
and posts to engage in real-time consultations and knowledge sharing .
Websites have also become crucial for MSMEs to engage in E-Commerce. These businesses are investing in user friendly websites and paying for advertisements on search engines to expand their customer base and compete with larger businesses. Furthermore, electronic billboards provide an affordable option for MSMEs to display their goods and services, capturing the attention of potential clients.
Procurement procedures have also been transformed by technology, making it easier for MSMEs to compete. The elimination of
In addition, mobile money transfers have revolutionized the way transactions are conducted. With the rise of a cashless society, individuals prefer to use electronic payment methods, utilizing banking applications, bank to mobile number, and mobile money transactions to purchase goods and services.
In conclusion, investing in ICTs and embracing E-commerce enables MSMEs to improve their business services and production. By utilizing social media platforms, websites, electronic billboards, and mobile payment options, these businesses can enhance their competitiveness and reach a wider customer base.
Meet Thokozani Nangwale: Empowering African Youth as C of Crystal Television
Thokozani Nangwale is a visionary leader who is transforming the media landscape in Africa as the esteemed CEO of Crystal Television. With a dynamic background in media production and a dedication to empowering youth and promoting positive change, she has led Crystal Television to new heights of success.
Thokozani’s professional journey is nothing short of inspiring. Starting from humble beginnings, she has risen to become an award-winning CEO. Her career in media began as a youth TV presenter, where she quickly gained recognition for her talent
and passion. Fuelled by her desire to make a difference, she founded Crystal Television, a prominent media company with a mission to inspire and empower African youth.
Thokozani’s dedication and innovative vision have earned her numerous accolades and awards, including the prestigious “Best Youth TV Presenter” in 2020 and the “Creative Young Entrepreneur’s Award”.
people the opportunity to showcase their talents and contribute to positive change in their communities.
Beyond her professional accomplishments, Thokozani is deeply committed to community service. She founded the Promote and Protect the Youths Foundation, providing a platform for young voices to be heard. Through Crystal Television, she actively supports numerous youthfocused initiatives, giving young
Thokozani envisions a vibrant African media landscape that empowers young minds, fosters entrepreneurship, and highlights the stories of change-makers. Thokozani’s long-term goal is to set new standards of excellence in the media industry and empower the next generation of African leaders.
UNDERSTANDING BUSINESS Key Elements for Success
By Sabe Mphande, Economist and Joachim Kabamba, Economist (MSMED)
When we think about business, it’s important to have a clear understanding of what it entails and what it takes to achieve success. At its core, business involves the selling of goods or services with the goal of making a profit. This distinction is crucial because it sets the foundation for ultimate success in the business world.
For MSMEs in particular, this understanding is vital, as many small enterprises operate with limited resources and face challenges in generating consistent profits. To thrive in this competitive landscape, MSMEs need to focus on key elements that drive business success: operational excellence, customer relations and financial management.
Operational excellence is a critical component of business success. It involves establishing efficient processes and continually improving operations. This includes defining the scope of work, implementing quality plans and measurement systems, creating an employee
manual, developing organisational charts, establishing policies, and implementing training systems. These elements provide a structured framework that can be seen, felt, and replicated across the organisation. It ensures that everyone speaks the same language and is aligned with the standard operating procedures that define the business. Operational excellence serves as the foundation for better customer relations and financial management, leading to overall success.
Effective customer relations are another key element for business success. Building strong relationships with customers is essential for longterm growth and profitability. This involves understanding their needs and desires, providing excellent customer service and continually engaging with them to build loyalty and trust. By putting the customer at the center of the business, MSMEs can attract new customers through positive referrals, and maintain a competitive edge in the market.
Financial management is also crucial for business success.MSMEs need to have a clear understanding of their financial position, including revenues, expenses, cash flow and profitability. Sound financial management involves budgeting, forecasting, managing costs, monitoring cash flow and ensuring compliance with financial regulations. By having a strong financial foundation, MSMEs can make informed decisions, identify growth opportunities and effectively manage their resources.
Understanding the key elements of business success is essential for MSMEs. Operational excellence, customer relations and financial management intertwine to create a solid foundation for growth and profitability. By focusing on these areas, MSMEs can navigate challenges, adapt to changing market conditions and ultimately achieve long-term success.
The Ministry offers basic training in understanding business through the SIYB Curriculum. Read more about this in the article about SIYB.
Step into a world of VIRTUAL REALITY with VR Go
This innovative company is bringing fully immersive Virtual Reality experiences to the people of Zambia, allowing them to explore the possibilities of this ground-breaking technology. Whether you’re hosting a party, planning a team-building event, or looking for exciting entertainment options, VR Go has got you covered.
One of VR Go’s main services is their VR escape experiences. Step into larger-than- life VR escape rooms where you’ll solve puzzles and journey across spectacular worlds. It’s an immersive and thrilling experience that will leave you wanting more.
For those who simply want to have fun, VR Go offers a wide range of VR games. Whether you’re shooting zombies, exploring vast prairies, or engaging in other exciting adventures. The possibilities are endless with VR Go.
VR Go is truly revolutionizing entertainment in Zambia by bringing the wonders of virtual reality to the masses. From immersive escape rooms to actionpacked games and unforgettable parties, VR Go has something for everyone. So, step into the world of Virtual Reality with VR Go and
prepare to be amazed.
One of the standout features of VR Go is their selection of singleplayer party games. With these games, one player wears the VR headset while others can join in on the fun using the screen. It’s a fantastic way to bring friends and family together for a little friendly competition and entertainment.
For those who want an even more interactive experience, VR Go offers Virtual Reality Arena. Designed for 4 players, this activity allows gamers to share awesome multiplayer VR experiences. Whether you’re playing in teams or going headto-head, VR Arena is suitable for players of all ages and skill levels.
Tarnex Energy Leading Africa towards a Green and Sustainable Future
As the world grapples with the effects of climate change, the need for sustainable energy solutions has become more urgent than ever. Tarnex Energy Limited, a pioneering green energy company based in Zambia, has emerged as a front runner in the race towards a cleaner and more sustainable Africa. By specializing in bio-diesel production and converting plastic waste into clean diesel, Tarnex Energy is revolutionizing the energy landscape and leading the way towards a greener future.
One of the primary goals of Tarnex Energy is to significantly reduce greenhouse gas emissions and minimize plastic waste in the environment. By producing biodiesel from renewable feedstock such as vegetable oils and animal fats, the company provides a greener and more sustainable alternative to traditional fossil fuels. In addition, Tarnex Energy’s innovative pyrolysis technology that converts plastic waste into clean diesel not only helps reduce plastic pollution but also contributes to a circular economy.
Through their actions, Tarnex Energy is actively working towards mitigating the effects of climate change and promoting cleaner air and ecosystems.
Tarnex Energy is more than just a green energy company; it is also committed to social development and empowerment. By providing employment opportunities to goaldriven individuals, particularly the youth, the company promotes economic growth and empowers local communities. Tarnex Energy also engages in sustainable agriculture practices and waste management programs, further supporting rural development in Zambia. Through these initiatives, the company plays an active role in building stronger and more resilient communities.
Tarnex Energy’s focus on local production and domestic feedstock cultivation not only contributes to energy security in Zambia but also reduces the country’s dependence on imported fossil fuels. This, in turn, helps stabilize fuel prices, conserves foreign exchange reserves, and fosters economic growth. By investing in Tarnex Energy, investors have the opportunity to be at the forefront of transformative change while also benefiting from the company’s proven track record and commitment to environmental and social responsibility.
Tarrnex Energy Limited invites
visionary investors to join the sustainable energy revolution in Africa. With the company’s dedication to a greener future, significant potential for growth, and a commitment to social and environmental responsibility, investing in Tarnex Energy offers an opportunity to make a lasting impact. By supporting sustainable energy solutions and responsible waste management, investors can contribute to creating a cleaner and more sustainable Africa for generations to come.
Geonsi Engineering Limited
Empowering Youth, Innovating Excellence
In a world driven by innovation and dynamic solutions, Geonsi Engineering Limited, spearheaded by the visionary minds of George Mamonwa, Gabriel Mwiinga, Hillary Mumba, and Chapansi Zulu, has emerged as a leading force in the Zambian market. Since its establishment in 2017, this versatile and innovative company has carved a niche for itself in various sectors, including electricals, property maintenance, fencing, automation, metal fabrication, and wheelbarrow manufacturing.
At the core of Geonsi Engineering Limited’s success is their dedication to engineering excellence. The company’s skilled team utilizes the finest materials and precision engineering techniques to
array of services, making it a onestop solution for all propertyrelated requirements. From electrical installations to property
manufacture products that endure even the most demanding tasks. Their range of rugged and durable wheelbarrows, capable of withstanding the rigors of construction sites and garden projects, exemplifies their commitment to delivering exceptional quality.
Geonsi Engineering Limited takes pride in its ability to offer a wide
maintenance, automated systems to metal fabrication, no challenge is too big for this dynamic team. Their ability to adapt to everchanging market demands and provide comprehensive solutions sets them apart from the competition. The versatility of their offerings ensures that customers can rely on Geonsi Engineering for various projects and needs.
With an unwavering commitment to excellence, a focus on continuous improvement, and an exceptional level of customer service, Geonsi Engineering remains at the forefront.
MANDATORY DOCUMENTS FOR THE REGISTRATION OF A COOPERATIVE SOCIETY BUSINESS AND COOPERATIVE REGISTRATION MADE EASY
· Model By-Laws obtained from your respective District Cooperatives Office
· Recommendation letter obtained from your respective District Cooperatives Office
· Register of cooperative members
· Minutes of the first meeting to form a cooperative
TO OBTAIN A BUSINESS
REGISTRATION CERTIFICATE, APPLICANTS MUST ATTACH THE FOLLOWING DOCUMENTS
Application for incorporation or registration of a business name (Form II)
· Articles of Association (Constitution) where applicable
· Declaration of content to act as a Director or Secretary (Form 5)
· Declaration of compliance (Form 11)
Women i n construction: Rare Civil Worxs Investment Limited
Rare Civil Worxs Investment Limited is a woman-led enterprise that was founded in 2014 by a team of dedicated professionals who were driven by a shared vision of redefining the construction industry. From the very outset, their goal was clear: to deliver projects that not only met the highest standards of quality but also left a positive mark on the communities they served. Since then, the company has consistently strived to uphold this vision, building a reputation that speaks of integrity and excellence.
One of the key factors contributing to Rare Civil Worxs Investment Limited’s success is its extensive range of services. The company excels in civil and road construction, electrical engineering, water and sanitation services, and even general dealings involving protective clothing. This diverse portfolio enables Rare Civil Worxs Investment Limited to tackle a wide array of projects, from infrastructure development to electrical installations and more. This flexibility positions them as a one-stop solution provider in the construction sector.
Beyond business success, Rare Civil Worxs Investment Limited takes great pride in the difference it makes in the communities it
The company excels in civil and road construction, electrical engineering, water and sanitation services, and even general dealings involving protective clothing.
serves. By providing water and sanitation services, the company is not only building infrastructure but also improving the quality of life for countless people. Their commitment to responsible and ethical construction practices exemplifies the social responsibility that lies at the heart of their mission.
Rare Civil Worxs Investment Limited has set a high standard
in the construction industry, inspiring both their peers and the new generation of professionals. Their commitment to excellence, innovation, and social responsibility has earned them the respect and admiration of clients and partners alike.
As Rare Civil Worxs Investment Limited continues to evolve, it is poised for an even brighter future. Their journey stands as a testament to what can be achieved with vision, dedication, and a strong sense of purpose. Rare Civil Worxs Investment Limited is not just a construction company; it’s a symbol of unwavering commitment to building a better world, one project at a time.
Must read! Must read!
The Ministry of Small and Medium Enterprise Development launched the revised National Micro Small and Medium Enterprise Development Policy and the 2023-2026 Strategic Plan on 7th December 2023.
The updated policy seeks to establish a comprehensive framework addressing the obstacles encountered by MSMEs. Its primary objective is to foster the sustainable growth of MSMEs and contribute significantly to Zambia’s socioeconomic transformation.
The development of the 20232026 Strategic Plan for the Ministry of Small and Medium Enterprise Development was necessitated by the need to put in place a strategic framework which would set out the vision, mission and strategic objectives for the Ministry.
The Ministry also earlier in the year launched the Capacity building Booklet. The Booklet offers organized training to MSME Associations,
enabling them to efficiently deliver services to their members and effectively enhance government initiatives aimed at fostering a vibrant private sector.
Embracing Rustic Charm Embracing Rustic Charm
The Exquisite Craftsmanship of Rustic Flowerpots and Planters
In a fast-paced world, there is something undeniably alluring about taking a step back and embracing rustic charm. Rustic Flowerpots and Planters, a small flower pottery and planter business, is dedicated to preserving this timeless appeal. With their commitment to quality craftsmanship and sustainable practices, they have become synonymous with creating unique and handcrafted products that add a touch of natural beauty to any indoor or outdoor space.
The journey of Rustic Flower Pots was rough at the beginning, eventually over a couple of months they received entrepreneurship training from programs such as the Leaders Arise program at the US Embassy, the Women Entrepreneurs financial initiative (We-Fi), the Academy for women Entrepreneurs and the Ministry of Small and Medium Enterprise Development capacility building programme. These trainings equipped the company with the skills they needed to run Rustic Flowerpots and planters as well as
bringing them to the realization that this is something that they could share with their community and an industry that will grow.
At Rustic Flowerpots and Planters, each piece is carefully crafted by skilled artisans who understand the importance of combining aesthetics with functionality. From clay and terracotta to wood and recycled materials, their extensive range of beautifully designed flowerpots and planters offers something for every plant
a greener and more sustainable lifestyle. Their commitment to sustainability is reflected in their use of recycled materials and their dedication to incorporating new designs and materials while staying true to their core values.
Recognizing that each customer has unique preferences and requirements, Rustic Flowerpots and Planters offers customization and personalization options. Rustic Flowerpots and Planters actively seeks partnerships and
species and individual preference. With utmost care and attention to detail, Rustic Flowerpots ensures that their products are not just visually appealing, but also durable and long-lasting.
The vision of Rustic Flowerpots and Planters is to bring nature’s beauty into every space. By inspiring and enabling people to connect with nature through their exquisite handcrafted products, they aim to encourage
collaborations with businesses in the horticulture and home décor industries. By fostering mutually beneficial relationships with nurseries, garden centers, interior designers, and landscapers, they expand their reach and offer their exquisite products to a wider audience. With a commitment to quality and a shared vision, Rustic Flowerpots and Planters is open to wholesaler orders and collaborative projects that align with their values.
Splashh CLEANING CHEMICALS
Splashh Cleaning Chemicals limited, a proudly Zambian lady driven company is a prominent manufacturer of cleaning chemicals and personal hygiene products. Its product range includes multipurpose cleaners, multi-surface cleaners, pine gel, pine disinfectant, spirit of salts, dishwashing liquid, car shampoo, liquid hand soap, and hand sanitizer. These products are widely used in both domestic and commercial settings, including hotels, canteens, hospitals, schools, offices.
Splashh started as a cleaning services provider 20 years ago. In 2017, the company established its manufacturing plant. This strategic decision has allowed Splashh Cleaning
Chemicals to produce high-quality cleaning and hygiene products tailored to the needs of their customers.
The introduction of Yatu Multipurpose Cleaner and the Nguzu Lemon Pine Gel has placed Splashh products on the lead in chain stores which demonstrates their ability to meet demands and maintain a consistent supply of its products.
Splashh Cleaning Chemicals has recieved considerable support from the Ministry of Small and Medium Enterprise Development
through the Citizen’s Economic Empowerment Commission (CEEC), National Technology Business Council (NTBC), and Zambia Development Agency.
Splashh Cleaning Chemicals has a strong desire to explore new market opportunities and expand its product reach. It is open to establishing market linkages and is actively considering the possibility of exporting their products beyond Zambia’s borders. This forwardthinking approach aligns with its vision of becoming a global player in the cleaning and hygiene industry.
MSMED AND CAPACITY BUILDING
The Ministry offers capacity building to enterprises through a number of ways, which includes among others, the use of the Start and Improve Your Business (SIYB) training modules. Currently the Ministry has more than 15 certified SIYB trainers.
by the International Labour Organization (ILO) in 1977 to meet the needs of small-scale entrepreneurs in developing countries.
a concrete business idea ready for implementation.
· To complement IYB, the start and Improve your Business
· Start Your Business (SYB) is for potential entrepreneurs who want to start a small business and already have a concrete business idea. The programme
THE SIYB BUSINESS GAME
The Game is part of the SIYB family of products: practical small enterprise training Enterprise Development Programme
The SIYB programme was developed by the Swedish Employers’ Federation in the 1970s under a business management training “Look After
It was adapted and renamed to “Improve Your Business (IYB)”
he SYB and IYB packages also include the SIYB Business Game, a practical simulation tool to help participants understand the realities of starting and running a business. The EYB Business Game simulates an expanding business during training to help participants experience the impact of strategic decisions on their business operations.
To ensure the quality of training activities, SIYB trainers use a core set of training materials. These materials assist certified SIYB ectively implement SIYB entrepreneurial training and related followup activities.
Cents”). The ILO version of The Game and its guide can be obtained the ILO publication department.
The Game is published under the following ISBN numbers:
English: ISBN xxxxxxxxxxxx (Game guide: xxxxxxxxxxxx)
French: ISBN xxxxxxxxxxxx (Game guide: xxxxxxxxxxxx)
Spanish: ISBN xxxxxxxxxxxx (Game guide: xxxxxxxxxxxx)
Primary copyright with IDS South Africa
• ILO copy right
• Royalty fees for reproduction
• Availability in English, Spanish, French, Russian, Chinese
operating a successful business. It is played during trainings where participants are linked to the real life of an entrepreneur and are challenged to plan, organize, produce, compete, negotiate and cooperate for ensuring good business results.
A number of adaptations (Chinese, Russian) are available the respective ILO offices, SIYB Focal Points or projects. and redistribution licenses for the Game can be obtained the publication department. Quality of printing is to be ved by the global coordination unit and the publication ment. A royalty fee is payable to ILO’s publication department for each Game produced and sold.
The SIYB training is very useful for entrepreneurs as it helps businesses understand how to manage their businesses effectively. This is evidenced by the feedback gotten from participants of one of the SIYB training sessions.
For more information about the SIYB Business
Visit the global SIYB website here: www.ilo.org/siyb
Merten Sievers, global coordinator, sievers@ilo.org
FEEDBACK FROM THE TRAINING OF ENTREPRENEURS
USING THE SIYB METHODOLOGY
HELD IN AUGUST 2023 IN LUSAKA
THE
BUSINESS
Small Enterprise Development Programme
MINISTRY OF SMED TRAINED OFFICERS IN SIYB
1. Maxwell Maluma - Chinsali District
THE SIYB BUSINESS GAME
2. Robert Kayivwa Sikapaji - Zambezi District
The Game is part of the SIYB family of products: practical small enterprise training
3. Pamela Chitulangoma - Headquarters
4. Zamiwe Mambilima - Headquarters
For whom is the SIYB Business Game?
5. Morgan Mwesa - Headquarters
6. Joachim Kabamba - Headquarters
The SIYB Business Game (shortly The Game) is for those who want to experience and simulate a small sized enterprise in a safe environment.
7. Njaame Kalililo - Headquarters
8. Sylvia Mwenya - Kafue District
9. Crawford Mulenga - Zambezi District
10. Lazarous Nyirenda - Kabwe District
All who attend SIYB training will play The Game. For them The Game will bring theory to life and provide an opportunity to practice knowledge and skills. It is for those who are ready to expose themselves to how they and others make business decisions. The Game is therefore also for all those who are open to learn and to become aware of own entrepreneurial attitudes and areas of improvement.
11. Precious Mutema - Petauke District
Potential and emerging entrepreneurs
12. James Phiri - Mambwe District
• SIYB audience
13. Godfrey Chisanga - Samfya District
• Desire to test entrepreneurial knowledge, skills and attitudes
• Especially effective in targeted group approach (youth, women, elderly and vulnerable groups)
The Game is equally beneficial for the SIYB training provider. It is an effective training tool that raises the credibility of the provider. The participants start to understand better where they have real difficulties and where they need more training.
14. Sunday Museba - Mongu District
The training provider can therefore use the Game as well for needs assessment and as training appetizer.
15. Tafara Zengeni - Headquarters
16. Margaret Nchimunya - Monze Headquarters
• Providers increase service portfolio
To fully benefit from the SYB Business Game, the participants should be able to read, write and make reliable calculations.
17. Reagan Ntalasha - Mpika District
The Game has proven to be equally suitable for men and women, young and old, whether living in rural and urban areas.
18. Patricia Musunga - Kabwe District
What is the SIYB Business Game?
19. Steadwell Munachibube - Choma District
The SIYB Business Game is in the first place an educational tool. It implements the contents of the SIYB training manuals. It helps participants to build up their understanding about the realities of starting and managing a successful business. The Game helps in four modules to progressively make more advanced decisions.
Rare Civil Worxs Investment ltd
Kasangula Rd. Roma, Lusaka 0965744538 rarecivilworx@gmail.com
VR GO
Mosi- o-tunya shopping and Recreation, Munali Rd. Lusaka 0970824316/ 0765650615 info@vrgogames
Rustic Pallets Ltd
Lusaka, Zambia 0976988317/ 0977842806 rusticpalletszm@gmail.com
M24 Agrihub
Lusaka, Zambia 0977288669/ 075200214 m24agrihub@gmail.com
Kumawa Apparel Shop no. 7
Northmead shopping Centre, lusaka 0973887164/ 0978394141 kumawaapparel@gmail.com
Hanan Hygiene Chemicals (Splushh Chemicals) Oasis Mall, shop77 0979331801/ 0954966486 multichemservices@yahoo.com
Tanex Energy Ltd 0975846165/ 0976412882 tarnexenergyltd@gmail.com
Pixie Beauty Shop no.F8 Heritage Mall, Northmead, Lusaka 0974107139
karenmaunge.km@gmail.com
Rustic Flowerpots and Planters
kamwala South, off Nationalist Rd. 0969941565/ 0978453195 rusticflowerpots.planters@gmail.com
Geonsi Engineering Ltd Plot LUS/12165, Mumbwa Rd. Industrial Zone, Chinika, Lusaka 0211261108/ 0955/0964 341242 info@geonsi.co.zm
Cyrystal Television tnangwale001@gmail.com Villa Elizabetha Kutwa Road
Elichi Greens Kangomba Village, Kabwe. 0771111464 echanda458@gmail.com
