Structure and Design Issue 72/1

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PUBLISHER’S MEMO – Issue 72 | January 2025 PUBLISHER’S MEMO A new year, a fresh perspective, and another exciting chapter for Zimbabwe’s built

DripTech Irrigation has opened a newand Design The mining town of Mazowe is 2025 poised for awe turn environment.

Welcome to Structure Magazine’s first issue of where facility in Pomona, Borrowdale, adding the spotlight on the bold ideas, innovative projects and remarkable tocraftsmanship their steadily expanding branches of a state-of-the-art shopping mall, known as shaping our industry. across Zimbabwe. Originally focused on Mazowe Walk Shopping Mall. This ambitious micro-irrigation, it has broadened its is being spear headed

by Gateway Issue 72 brings you a curated selection of project stories that define progress in Zimbabwe’s offerings to include a comprehensive Construction. construction and design landscape. Kalamain Construction continues to push boundaries array water-related products, including facility—delivered in just five months with a blend with of a striking new office and warehouse borehole pumps, tanks, pressure tanks, The iconic Harare Showgrounds is set to underof precision engineering and architectural finesse. booster pumps, and an extensive range go a dramatic transformation following Terrace Step inside Coastal Construction’s latest warehouse project in Pomona, where Severalmaking leadingit construction companies have meticulous planning meets seamless execution a model of precision engineerThe a vibrant business hub experienced been roped in to spearhead the project and ing.Hive One25 ofisthe youngest but highly building and construction companies where professionals can work, connect among them is steel infrastructural in Zimbabwe, Entracon Structures is making notable progress, working onexperts impressive and grow in an environment infused with Brown Engineering Group. projects that defy their few years in the industry. natural beauty and community spirit. The place is not only a sanctuary for produc- Our piece on 258 Hotel, looks at a hospitality We also celebrate Saint-Gobain’s well-earned recognition as a top employer for the tenth tivity, creativity and collaboration, but one player positioned on the fringes of Harare’s consecutive year and analyse the renewed strategic partnership between the African aimed at building a community.

Business District, and offering a conDevelopment Bank and the U.S. Trade andCentral Development Agency—a collaboration poised to temporary retreat that successfully blends advance quality infrastructure across Africa.

Coastal Construction, a leading and modern luxury with rich cultural heritage. An intrusted name in construction, offers a In addition to our project highlights, we explore key topics in the construction and real comprehensive range of services to bring its unassuming elegance, providing a tranquil estate industries, from risk management in construction to the latest trends in insurance your vision to life. Based in Harare, they haven forbanking both business andtogether leisure travellers and banking. With insights into how insurance and can work to create specialize in all aspects of brickwork, sub- alike. financial security for construction projects, this issue offers valuable knowledge for industry structure foundations, and related works. professionals.

In our attempt to support women in constructouches, they are committed to delivering tion we feature several women doing wonders On the property development front, Mashonaland Holdings’ development in Beitbridge excellence in every project. the in construction offers prime investment opportunities in aintown onthe thebroader rise. We building also examine how home space.

These are Padsor Scaffolding and improvement loans are reshaping Zimbabwe’s housing market, bridging the gap between Founded in 2016, Bellington Riggers (Pvt) Construction, a company at the forefront of vision and reality for homeowners.

Ltd is one of the foremost construcproviding innovative scaffolding solutions and construction services; MajorCon, a leading civil This issue is more than of a reflection of Zimbabwe’s evolving urban and industrial expertise in steel fabrication, electrical engineering company specializing precast identity. Whether you’re an architect, developer, investor, or simply someone in who engineering and of course, rigging, the concrete products and services and Elegance appreciates great design, there’s something here to inspire you.

Ivy Construction and Interior Design, renowned tractor of choice in the rapidly advancing for crafting luxurious, functional, and elegant Thank you for joining us on this journey. Here’s to a year of building smarter, designing construction sector. spaces. better and shaping a future that stands the test of time.

For more surprise insights in this editing, keep reading!

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DESIGN, WEBSITE & SOCIAL MEDIA Takudzwa Matienga Saul Chidakwa VIDEOGRAPHY Joshua Govati Kudakwashe Gakaka JOURNALISTS Martin Chemhere Farai Chaka DISTRIBUTION Joshua Govati Gift Sepi PHOTOGRAPHY CAAST MEDIA GROUP CONTRIBUTORS AQUABRIDGE KALAMAIN CONSTRUCTION EMAIL marketing1@caastmedia.org markerting@structureanddesign.co.zw FIND US AT 31 Alexander Rd, Highlands, Harare

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S&D ISSUE 72

KALAMAIN CONSTRUCTION UNVEILS A DISTINCTIVE OFFICE AND WAREHOUSE FACILITY text by Farai Chaka

Kalamain Construction has once again redefined modern infrastructure with its latest project—a sleek, high-performance office and warehouse facility completed in just five months. This achievement is a testament to the company’s commitment to precision, efficiency, and forward-thinking design.

Its approach—anchored in advanced building techniques and durable materials—has positioned it as a leader in an evolving industry. As the main contractor for this project, the company has once again demonstrated its ability to create structures that are both highly functional and architecturally refined.

By seamlessly blending aesthetics with functionality, Kalamain has delivered a space that not only meets today’s business needs but is also built for the future.Known for its innovation and attention to detail, Kalamain Construction has built a reputation for quality across residential, commercial, and industrial projects.

Designed to cater to the ever-changing demands of modern businesses, this dual-unit facility balances efficiency with visual appeal. Each unit spans 1,515 square metres, thoughtfully integrating warehouse and office spaces. Currently home to Abbiamo Trading and Bathroom Boutique, the facility is designed for adaptability, ensuring long-term relevance across various industries.

Executing a project of this scale with such precision required cutting-edge technology.

Kalamain employed laser-guided systems and advanced machinery to streamline the process, ensuring a build that is both cost-effective and enduring. The result is a structure that is as robust as it is striking.

From the outset, the building commands attention. Its sharply pitched roof does more than add character for it also maximises interior vertical space while enhancing the overall architectural impact. The exterior is a study in contrast and material harmony: light grey roofing panels extend across the structure, framed by dark grey aluminum trims that give it a crisp, modern edge.

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Below, textured concrete bricks provide Inside the warehouse interiors speak to both scale and practicality. Each durability and a grounded aesthetic. The unit offers 1,125 square metres of openresult is a façade that merges industrial strength with understated sophistication. plan space designed to accommodate Functionality extends well beyond the walls. high-volume storage and streamlined operations.

The surrounding parking area, marked with The pitched roof allows for extensive crisp white lines, is designed for smooth traffic flow and ease of access. Whether vertical stacking, catering to businessfor logistics operations or customer visits, es with large inventories or specialised the layout ensures seamless moveequipment. Polished concrete floors strike ment—a critical element for businesses the perfect balance between durability that rely on efficiency. and ease of maintenance, while light

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grey walls enhance brightness by reflecting natural light. Large roller shutter doors further optimise functionality, allowing effortless loading and unloading. Structural elements remain exposed by design.

Steel beams and trusses, painted in deep charcoal, highlight the industrial aesthetic while reinforcing the building’s strength.

Skylights and energy-efficient LED fixtures reduce dependence on artificial lighting, supporting both sustainability and costeffectiveness.

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Above the warehouse, the mezzanine offices are crafted for comfort and productivity. Each unit features 296 square meters of workspace designed to encourage collaboration while maintaining private areas for focused tasks.

Laminate flooring introduces warmth, complementing the industrial elements below. Expansive windows and glass partitions flood the space with natural light, creating a bright and open work environment.

Suspended ceilings with recessed lighting add to the modern appeal, while staff amenities—including restrooms and a kitchenette—enhance day-to-day convenience. Every detail is designed to support efficiency without compromising comfort.

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Recognizing the needs of businesses that interact with This project is both a functional space and a statement in customers on-site, the ground floor incorporates retail and contemporary commercial architecture. By combining durable consultation spaces. These areas are designed to be clean, materials with intelligent, energy-efficient design, Kalamain has professional and welcoming, making them ideal for product delivered a facility that not only serves its immediate occupants but showcases or direct transactions. The polished concrete also raises the bar for future developments. Every aspect of the flooring extends throughout, ensuring continuity in design build reflects the company’s meticulous attention to detail and while maintaining a balance of durability and refinement. unwavering commitment to excellence.

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A standard for multi-use developments, this facility brings together expansive warehouse capabilities and refined office spaces in a way that is both practical and visually compelling.

Its seamless integration of form and function redefines what businesses can expect from modern commercial infrastructure.

For companies seeking a space that offers flexibility, efficiency and architectural sophistication, this facility delivers on all fronts. It proves that intelligent design and expert execution can create an environment that not only meets business demands but also inspires innovation.

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With this project, Kalamain Construction has set a new industry standard.

More than just another successful build, it is a reflection of a company that continues to evolve—pushing boundaries, embracinAg new technologies and shaping the future of industrial and office spaces in Zimbabwe.

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COASTAL CONSTRUCTION ACHIEVES FURTHER EXCELLENCE WITH HARARE WAREHOUSE PROJECT

By Martin Chemhere | Photography By Caast Media Group

Coastal Construction, a leading Zimbabwean construction firm, has further solidified its reputation for exceptional building projects with the successful completion of a warehouse in Pomona, Borrowdale, Harare.

This project exemplifies the company's comprehensive expertise, seamlessly integrating earthworks, foundation construction, precise brickwork, and effective project management to deliver a high-quality, efficient structure.

The project commenced with meticulous site preparation. Bulldozers, graders, and 15-ton roller compactors were deployed to achieve the desired ground levels. A key element was the cut and fill operation, strategically relocating material from higher to lower areas.

This balanced approach minimized the need for imported fill, resulting in cost savings and efficient resource utilization.

Coastal Construction also prioritized soil compaction and erosion control, adapting their methods to the specific soil characteristics of the site. "Fortunately, the earthworks were done during the dry season, so no erosion protection was required.

However, a toe of 1.5 meters outside of the specified dimensions of the footprint of the building is usually recommended for machine working space and erosion protection," explained Rich Collyer, Managing Director.

Formwork selection and implementation were crucial for constructing the warehouse's foundations, columns, beams, and slabs.

Stub columns and beams were shuttered using 19mm plywood with 76mm x 50mm timber backing, while the deck was formed with a permanent steel shutter. Precision was paramount in formwork design and construction, ensuring accurate dimensions, alignment, and stability during concrete pouring.

The company's team of skilled tradesmen and engineers, overseen by experienced supervisors, maintained rigorous quality control throughout this stage. Release agents facilitated formwork removal, resulting in the desired concrete finish.

The removed shutters were then cleaned, oiled, and stored for future use. Substructure foundation construction involved a series of carefully executed steps, from excavation to concrete pouring and curing.

Single pad footings, comprising a wider base footing and a stub column extending to the DPC level, were selected for this project.

Reinforced rebar, designed by structural engineers, and a specified concrete grade ensured structural integrity.

The poured concrete was cured for 3-7 days to achieve the required strength. The water table's position well below the foundations mitigated concerns about groundwater and aggressive soil conditions. "There are subsurface drains which may be installed just below foundation level to stop any ground water rising up to the foundations," Collyer added, noting their use in other projects.

Load-bearing common bricks, manufactured to specified strength standards, were used for the substructure brickwork, extending from the footings to the DPC level. A standard 4:1 mortar mix, prepared with high-quality pit sand sourced from reliable suppliers, was employed. Motorized mixers ensured consistent and strong mortar, with optimal water content.

Brickwork was laid with meticulous attention to alignment, plumbness, and levelness, especially for load-bearing walls. Laser and dumpy levels guided the bricklayers, with constant plumbness checks conducted by supervisors.

Effective project management was essential throughout the early construction phases. Coastal Construction utilized a priced bill of quantities (BOQ) as the project's foundation. The site management team and quantity surveyor diligently monitored material and labor resources to adhere to the budget.

A program of work facilitated project progress tracking, detailed planning, and cash flow management.

"Construction was done using advanced project management software or tools to track progress, manage risks, and ensure effective communication among stakeholders.

With various construction software programs on offer in the market, we use the more common MS Project. This program is familiar with most professionals in the industry and is user-friendly for new beginners and clients who are not familiar with the construction process," said the MD. 19

Collyer acknowledged the inevitability of unforeseen circumstances, but emphasized the importance of mitigation through planning and experience. "Having experienced staff helps as they have the maturity and experience to deal with the most delays and disruptions faced by any project."

Independent laboratory testing of all delivered concrete, with results shared with the entire professional team, ensured transparency. Coastal Construction reported no issues with supply or quality. Stringent quality control tests, including slump and compression tests, were performed on-site.

He cited weather delays as a common challenge, explaining "Slump tests are common and normal practice; our site supervisors the company's strategy of shifting focus to internal tasks when know the procedures and correct handling of concrete once it arrives external work is hindered. All concrete was supplied by Premix on site. A quality control and quality assurance checklist are carried Concrete. "They guarantee the required strengths are met," out and signed off by the relevant signatories before concrete is Collyer stated. allowed to be offloaded,"

Collyer explained. Experienced steel fixers adhered to engineer schedules for rebar cutting, bending, and placement, subject to inspections. The company leveraged its integrated expertise to streamline the construction process. "Using laser levels as opposed to dumpy levels helped to speed up the process of checking levels and setting out and were a lot more accurate as there is less room for human error. We cannot do away with the experience of seasoned staff who have been tried and tested and are still needed to operate the machines, verify and maintain standards," Collyer noted.

Collyer concluded, "A complete team effort is required and paramount for a successful construction project to be completed. There are a lot of behind-the-scenes activities that go on which include office administration staff, supportive directors and senior management, which all form the team that is Coastal Construction."

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ENTRACON STRUCTURES:

A YOUNG COMPANY EXCEEDING EXPECTATIONS

By Martin Chemhere | Photography By Caast Media Group

One of the youngest but highly experienced building and construction companies in Zimbabwe, Entracon Structures is making notable progress, working on impressive projects that defy their few years in the industry.

Foremost known as steel structure

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fabrication specialists, they deliver the best as seen in the installation of a substantial-sized 5000m2 tobacco storage floors in Waterfalls, Harare. In 2022 they completed several projects, including the 2000-square-meter Madokero warehouse at the Madokero Industrial Park.

They also installed the trusses for the warehouse. The successful completion of the Madokero warehouses is probably one of the company’s most notable projects.

During the same year they completed again a concrete deck for a four-story building.

Founded by Liberty Muchezana, a Harare Polytechnic and UZ graduate, they are building Zimbabwe brick by brick, and completing structures that last for generations.

Their staircases and stainless-steel balustrades are a marvel as seen at their other project in Waterfalls, where they also completed a service station canopy for Energy Park, at the Parktown roundabout. The delivery included designing and building the service station facility.

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For those who are not aware that this young and already confident company can build any dream service station canopy, they have to visit some of the service stations they have completed in Harare.

A proud Zimbabwean engineering company with an appreciation of world-class methods and latest designs, Entracon has more than 3 years of experience in the construction industry.

They are now known for working on modern and elegant dream structures.

They do steel structures that serve different purposes, such as warehouses, service station canopies, shades, churches, shops, and more.

They also do palisade fencing, plant maintenance, industrial products (bolts and nuts), civil works (bridges, bases and slabs, columns, concrete slabs).

Their work extends to surveying, water assessment, blasting, procurement, construction, rigging, project planning, design, layout, and bill of quantity preparation. Their fabrication rigging and roof sheeting, sheet metal works, brick laying, concrete works, paving is outstanding.

Entracon’s work is inspired by the work of Robin Crow, who said, "There's no straighter road to success than exceeding expectations one day at a time." Hence, their payoff line is “Exceeding expectations.”

Designing and building for future generations is their key objective. Entracon Structures is there to transform your dream into reality! The company’s vision is to contribute to the building and construction industry of Zimbabwe.

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Company growth and evolution has been gradual over the years, and this includes key milestones like being contracted for the Madokero warehouses project and Boost Africa Tobacco floors.

Offering specific services in the building and construction sector for the residential, commercial, industrial, renovations, project management, they have made their name despite the short time they have been around.

The company is also into hiring out mobile cranes, which are essential for lifting heavy equipment and materials during construction projects. This service allows other construction companies to access specialized equipment without the significant investment required for ownership and maintenance.

Entracon Structures ensures that their cranes are well-maintained, operated by skilled professionals, and available for hire at competitive rates, contributing to the efficiency and success of other construction

projects in Zimbabwe.

They pride themselves in completing projects safely, on time, on budget, and with the highest level of workmanship.

Discover your dream structure with the best—Entracon Structures!

Contact Details: No. 2 Edmonds Avenue Belvedere Harare Mobile number +263784578865 Email 1: muchezanaliberty23@gmail.com Email 2: entraconzw@gmail.com 25

ENGINEERING AND CONSTRUCTION SOLUTIONS

Contact us: +263 784 578 865 2 Edmonds Rd, Belvedere, Harare www.entracostructures.co.zw

Our Services Manufactures of Stell Structure (warehouses, service station canopies, churches, shops, etc) Palisade fencing Plant Maintenance

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YOUR DREAM STRUCTURE

We offer world class engineering and construction solutions

MODERN AND ELEGANT DREAM STRUCTURES

We offer world class engineering and construction solution

We are a proud Zimbabwean Engineering Company with an appreciation of world class methods and latest designs.

We have more than five years of experience in the construction industry.

We pride ourselves in completing projects safely, on time, on budjet and with highest level of workmanship.

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SAINT-GOBAIN RECOGNISED AS A TOP EMPLOYER FOR TENTH CONSECUTIVE YEAR

Building materials giant Saint-Gobain has once again been lauded for its commitment to employee excellence, achieving a remarkable milestone by securing the “Top Employer Global” certification for the tenth consecutive year.

This prestigious accolade places Saint-Gobain among an elite group of 17 companies worldwide to achieve this distinction in 2025.

Furthermore, Saint-Gobain South Africa has continued its impressive streak, receiving the “Top Employer” certification for the eleventh consecutive year, solidifying its position as a leading employer in the South African market.

The “Top Employer” certification, awarded by the Top Employers Institute, recognizes organizations that provide exceptional working conditions and demonstrate a commitment to employee well-being and development.

These enhancements reflect the company’s ongoing commitment to continuous improvement and its unwavering focus on creating a fulfilling and rewarding workplace for its employees.

Saint-Gobain’s consistent achievement of this accolade underscores its unwavering dedication to fostering a positive and inclusive work environment for its 160,000 employees worldwide.

“We are incredibly proud to be recognized as a Top Employer, as it is a testament to our commitment to providing an empowered and inclusive working environment for our employees,” said Fanie Vos, HR Director for Saint-Gobain Africa.

This year, Saint-Gobain achieved significant improvements across several key areas, including sustainability, employee well-being, rewards and recognition, and career opportunities.

“This achievement is a collective effort, and we are deeply grateful to our dedicated teams across the African continent.” Saint-Gobain’s success as a Top Employer is further solidified by 28

its strong ethical foundation and unwavering commitment to its purpose: “Making the World a Better Home.” This commitment translates into a strong emphasis on ethical conduct, a clear and inspiring corporate strategy, and a robust focus on employee learning and development.

Looking ahead, Saint-Gobain remains committed to fostering an environment where employees can thrive and contribute to the company’s continued success. By prioritizing employee well-being, investing in their development, and upholding the highest ethical standards, Saint-Gobain aims to remain a leading employer in the construction industry and beyond.

About Saint-Gobain Saint-Gobain is a global leader in light and sustainable construction materials, operating in 79 countries with over 160,000 employees. The company is committed to achieving net-zero carbon emissions by 2050 and plays a vital role in driving sustainable construction solutions across the globe.

Source https://constructionnews.co.za/saint-gobain-recognised-as-a-top-employer-for-tenth-consecutive-year/

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WOOD IS STILL KING IN ZIMBABWE’S CONSTRUCTION INDUSTRY!

While modern materials like concrete and steel dominate much of the global construction industry, wood continues to play a significant role in Zimbabwe's building sector. This enduring presence is rooted in the country's rich forestry resources and the versatility of timber as a building material.

Zimbabwe boasts a variety of indigenous hardwoods, such as teak and mukwa, known for their strength and durability.

These woods are particularly valued for high-end finishes, flooring, and joinery, adding a touch of natural elegance to buildings.

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Beyond hardwoods, commercially grown softwood species like pine and eucalyptus are also widely utilized.

These provide more affordable options for structural elements like roof trusses, framework, and scaffolding.

Wood's availability and relative affordability compared to imported materials make it a practical choice, especially in more rural areas.

The construction industry also supports a network of timber suppliers, sawmills, and carpenters with specialized skills in working with wood.

This local expertise ensures that timber remains a viable and accessible material for a range of construction projects, from housing to commercial buildings. Furthermore, there's a growing interest in sustainable building practices in Zimbabwe. Wood, as a renewable resource, aligns well with this trend.

Efforts to promote responsible forestry management and the use of certified timber further enhance wood's appeal as an environmentally friendly building material. In both traditional and contemporary construction, wood maintains its place in the Zimbabwean building landscape, blending heritage with modern needs.

PARTNERSHIP TO ADVANCE QUALITY INFRASTRUCTURE IN AFRICA

The African Development Bank (AfDB) and the U.S. Trade and Development Agency (USTDA) have renewed their Memorandum of Understanding (MOU) for another five years, solidifying their commitment to advancing quality infrastructure development across Africa.

This strategic approach is designed to attract investment and ensure the successful implementation of infrastructure projects across the continent.African Development Bank Senior Vice President Marie Laure Akin-Olugbade highlighted the importance of the continued collaboration.

This renewed partnership focuses on strengthening national procurement systems, aligning them with international best practices to ensure fair competition, and developing a pipeline of bankable projects eligible for USTDA’s project preparation grants.

“This will ensure that we continue to strengthen national procurement institutions, build capacity, and ensure effective implementation of procurement programs within our regional member countries,” she said.

“The extension of our strategic partnership reaffirms our shared commitment to creating a more sustainable and prosperous future for Africa,” stated USTDA Director Enoh T. Ebong. “By combining our resources and expertise, we are delivering impactful solutions that promote high-quality, sustainable infrastructure on the continent while increasing opportunity for U.S. companies by promoting fair, transparent, and effective procurement systems.”

“This fortifies our institutions' joint ambitions to assist emerging economies in developing policies and procedures promoting best procurement practices, ultimately fostering sustainable economic growth across the continent.” The GPI, launched in 2013, plays a crucial role in this partnership.

It is dedicated to assisting public officials in emerging economies to better understand the total cost of ownership The renewed MOU builds upon the original agreement signed in of goods and services for infrastructure projects. Promoting 2018 under USTDA’s Global Procurement Initiative (GPI). It places a a comprehensive understanding of procurement processes, strong emphasis on enhancing public procurement capabilities to the GPI helps ensure that infrastructure investments are both establish transparent and efficient systems that bolster economic sustainable and cost-effective. growth and sustainable development.

The initiative has expanded significantly and now includes A key new element of the partnership is the focus on project 16 partner countries, further extending its reach and impact preparation, demonstrating USTDA and AfDB’s dedication to on promoting sound procurement practices globally. The improving project design and ensuring project readiness. This renewed MOU between AfDB and USTDA reinforces their joint collaborative effort aims to leverage the competitive advantages commitment to fostering sustainable economic growth in of U.S. companies in crucial sectors such as energy, transportation, Africa through improved infrastructure development and digital, and healthcare infrastructure, integrating innovative transparent, efficient procurement processes. solutions into development activities.

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S&D ISSUE 72

HOME IMPROVEMENT LOANS AND THEIR IMPORTANCE IN ZIMBABWE

By Martin Chemhere

In Zimbabwe, where economic fluctuations and limited access to formal housing finance have often presented challenges to homeownership and maintenance, home improvement loans have emerged as a crucial tool for homeowners.

These loans, specifically designed to finance renovations, repairs, and extensions, play a vital role in preserving housing stock, improving living standards, and stimulating local economies. For many Zimbabweans, building a home is a long-term aspiration, often achieved incrementally over many years.

Home improvement loans provide the necessary financial boost to complete unfinished projects, such as adding a bedroom, installing a new roof, or upgrading plumbing and electrical systems.

This is particularly relevant in high-density suburbs like Budiriro or Glen View, where many houses are built in phases as families accumulate resources.

A home improvement loan can enable a family to finally complete their home and create a more comfortable living space. Beyond completing unfinished projects, these loans are essential for maintaining existing properties. Zimbabwe's climate, with its harsh summers and rainy seasons, can take a toll on buildings. Roof leaks, cracked walls, and damaged plumbing are common issues that require timely repairs.

Home improvement loans provide access to funds for these necessary maintenance works, preventing further deterioration and preserving the value of the property. For example, a homeowner in Borrowdale might use a loan to replace a damaged roof after a heavy storm, preventing costly structural damage in the long run.

Moreover, home improvement loans contribute significantly to local economies. The funds disbursed through these loans are often injected directly into the local construction sector, creating demand for building materials, hardware supplies, and skilled labour.

This stimulates economic activity at the grassroots level, supporting small businesses and creating employment opportunities for builders, plumbers, electricians, and other tradespeople. Consider a case study where a group of homeowners in Chitungwiza accessed home improvement loans.

The increased demand for building materials would likely benefit local hardware stores and create jobs for local builders and artisans within the community.

Access to home improvement loans also improves living standards and public health.

Upgrading sanitation facilities, installing proper ventilation, and addressing dampness can significantly improve indoor environmental quality and reduce the risk of health problems. In densely populated areas like Mbare, improving sanitation through home improvement loans can have a positive impact on public health by reducing the spread of diseases. However, challenges remain.

Access to affordable homeimprovement loans can still be limited, especially for low-income households and those without formal employment. The availability of long-term, low-interest loans is crucial for maximizing the impact of these financial products.

Furthermore, financial literacy programs that educate homeowners about responsible borrowing and budgetting are essential for ensuring that these loans are used effectively.

Home improvement loans play a vital role in the Zimbabwean context. They facilitate the completion of homes, enable essential maintenance, stimulate local economies, and improve living standards.

Addressing the challenges related to access and affordability, these loans can continue to empower homeowners and contribute to the overall development of the country.

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MANAGING RISK IN CONSTRUCTION:

HOW INSURANCE AND BANKING CAN WORK TOGETHER

This is where the synergy between insurance and banking becomes particularly evident.Surety bonds, a type of insurance, play a crucial role in securing project financing. A surety bond guarantees that a project will be completed even if the contractor defaults. This assurancesignificantly reduces the risk for banks and other lenders, making them more willing to provide financing.

By Martin Chemhere Zimbabwe's construction sector, like any other, faces a multitude of risks, from fluctuating material costs and labor shortages to unforeseen site conditions and potential project delays. Managing these risks effectively is crucial for the success and sustainability of any construction project. This is where the strategic interplay of insurance and banking becomes paramount.

These two sectors, often viewed as separate entities, can work s ynergistically to provide a robust framework for risk mitigation and financial security.

Insurance, in its various forms, acts as a safety net, protecting construction businesses from potential financial losses. Public liability insurance, for instance, covers damages to third-party property or injuries on site, safeguarding the business from potentially crippling lawsuits.

Contractors' all risks insurance protects the project itself from damage due to fire, theft, or natural disasters. Workers' compensation insurance covers medical expenses and lost wages for employees injured on the job, ensuring compliance with labor laws and protecting the workforce.

These are just a few examples of how insurance can shield construction projects from unforeseen events. Banking, on the other hand, provides the financial fuel that drives construction projects.

From securing initial funding to managing cash flow throughout the project lifecycle, access to banking services is essential.However, securing project financing can be challenging, particularly for smaller or newer construction firms.

The bond acts as a form of collateral, demonstrating the contractor's commitment and financial stability. This, in turn, makes it easier for construction companies to access the necessary funds to undertake projects.Beyond surety bonds, a sound insurance portfolio can enhance a construction company's financial standing, making it more attractive to lenders. Demonstrating comprehensive insurance coverage signals responsible risk management and financial prudence, increasing the likelihood of securing favorable loan terms and interest rates.

Furthermore, effective risk management through insurance can minimize potential losses, preserving the company's capital and improving its overall financial health.

In the Zimbabwean context, where access to finance can be a significant hurdle for construction businesses, understanding and leveraging the complementary roles of insurance and banking is crucial.

Strategically integrating these two elements, enable construction companies to not only mitigate risks but also enhance their financial credibility, paving the way for sustainable growth and success in a competitive market. This integrated approach allows businesses to navigate the complexities of the construction landscape with greater confidence and financial security.

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NOW IS THE TIME TO BUILD YOUR FUTURE IN BEITBRIDGE

By Martin Chemhere

Beitbridge, a bustling border townbrimming with potential, is experiencing a surge of development, and Mashonaland Holdings Limited is offering a golden opportunity to invest in this promising locale. Now is the time to build your dream home in Dulibadzimu, a well-serviced area within Beitbridge, and secure your future in this town of opportunity.

Mashonaland Holdings is offering stands for sale in Dulibadzimu, providing a solid foundation for your investment. These stands, each measuring 200 square meters, are ideally sized for a comfortable family home. This manageable size also makes it an accessible entry point for first-time property owners or those looking to invest in real estate. The development emphasizes accessibility and ease of ownership,making it an attractive proposition for a wide range of buyers.

The stands are located in a well-seviced area, ensuring access to essential amenities and infrastructure. This is a crucial factor for comfortable living and long-term property value appreciation. The payment plan is designed to be flexible and accommodating. A 25% deposit secures your stand, allowing you to begin the process of owning your own property.

The remaining balance is payable over a 12-month period, providing a manageable timeframe for settling the full amount. This phased payment approach makes homeownership more attainable and reduces the initial financial burden.

Importantly, construction is permitted after payment of at least 50% of the stand price. This allows buyers to commence building their homes relatively quickly, once they have demonstrated a significant financial commitment.

This policy fosters rapid development within the area and allows investors to realize the value of their purchase sooner. Beitbridge's strategic location as a border town makes it a hub of trade and commerce. This translates into various opportunities for residents, including business ventures and employment. Investing in Beitbridge is not just about owning a piece of land; it's about investing in a town with a promising future.

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The development by Mashonaland Holdings offers a tangible pathway to participate in this growth. With manageable stand sizes, flexible payment terms, and the permission to build after a 50% payment, this is a prime opportunity to establish your roots in Beitbridge and build the future you envision. Don’t miss this chance to invest in Beitbridge, the border town of opportunities.