Twazwe Business Consultants

15/02/2026

𝐊𝟐𝟏 𝐁𝐢𝐥𝐥𝐢𝐨𝐧 𝐒𝐡𝐨𝐜𝐤𝐰𝐚𝐯𝐞 𝐇𝐢𝐭𝐬 𝐙𝐚𝐦𝐛𝐢𝐚’𝐬 𝐁𝐨𝐧𝐝 𝐌𝐚𝐫𝐤𝐞𝐭

Over K21.3 billion (more than US$1 billion equivalent) just flooded into GRZ bonds, smashing a K4.2 billion target and delivering the largest auction demand in Zambia’s history, according to results issued by Bank of Zambia for the Government of the Republic of Zambia.

February didn’t just beat January, it obliterated it. January attracted K10.1 billion in bids. February doubled that to K21.3 billion. While headline yields eased across major tenors (notably the 10-year from 17.19% to 16.60% and the 15-year from 18.79% to 17.59%), the weighted average yield actually moved from ~16.58% in January to ~16.83% in February, driven by massive allocations into longer-dated paper. The simple translation is that investors are piling aggressively into duration, even as pricing tightens on benchmark bonds.

We thought January was record-breaking.
February just made it historic.

Over K21 billion chasing government securities.
Long-end demand exploding.
Confidence unmistakably rising.

This is a structural shift.

15/02/2026

K23.2 BILLION RELEASED IN JANUARY 2026 TO KEEP SERVICES RUNNING, PAY OBLIGATIONS ON TIME, AND KEEP ZAMBIA MOVING FORWARD

- A Review By Dr. Situmbeko Musokotwane, MP, Minister of Finance & National Planning

Fellow citizens and friends of Zambia,

Our 2026 National Budget is a turning point because it is the first budget that we are implementing after stabilizing our economy under the IMF-supported Extended Credit Facility (ECF) Programme. For the last three years, we worked to fix the fundamentals—stronger fiscal discipline, lower and steadier inflation, improved reserves, reduced arrears, and restored credibility with citizens, markets, and cooperating partners. Now, the focus is clear: we are converting that stability into growth, investment, jobs, and continued cost-of-living relief.

That is why we are treating infrastructure as productive capital—not consumption. Every kwacha put into roads, electricity, and water supply and sanitation services lowers the cost of doing business, reduces everyday transport and logistics burdens, supports value chains, attracts private investment, and improves household welfare. Zambia is no longer stabilizing for its own sake; Zambia is positioning for growth.

Against that backdrop, the Government—through the Ministry of Finance and National Planning—released K23.2 billion in January 2026 to keep public services running and to sustain priority national programmes. These releases were structured to cover what keeps the country moving: the public service wage bill, debt service (domestic and external), the dismantling of arrears, statutory and social transfers, day-to-day operations, and capital expenditure that keeps infrastructure activity on course.

Here is how the January releases were applied.

First, K4.9 billion went to the Public Service Wage Bill—paying personal emoluments for health workers, teachers, security personnel, and overseas allowances for diplomats serving in our missions abroad. In plain terms, this is about protecting continuity: clinics function, schools run, and security services remain operational.

Second, K7.4 billion was applied to debt service and arrears, because credibility is not something we announce—it is something we demonstrate through consistent payment discipline. Of this amount, K6.6 billion went to domestic debt service, K310.1 million went to external debt service, and K439.9 million was used to dismantle domestic arrears owed to suppliers of goods and services.

Third, K7.7 billion was released for transfers, subsidies, and social benefits—to support livelihoods, protect vulnerable citizens, and keep key institutions delivering. This support included K1.5 billion to Grant-Aided Institutions (including hospitals and universities), K768.9 million in school grants to advance the Free Education Policy, K300 million for the Constituency Development Fund (CDF), and K120.8 million for the Local Government Equalisation Fund.

Within this same social-support category, K4.9 billion was released to the Food Reserve Agency (FRA) to settle outstanding obligations to farmers who supplied maize in the 2024/2025 crop marketing season. Let me be direct: the Government is not currently in arrears to farmers. Where reports of unpaid farmers may arise, they are most likely linked to administrative or banking processing bottlenecks between individual farmers and their banks—not because Treasury failed to fund the obligation.

We also released K147.5 million to clear outstanding dues under the Cash for Work Programme. This was done to restore integrity and confidence in the programme’s administration. With those outstanding dues addressed, the revised Cash for Work Programme will restart on a clean slate in March/April 2026.

Fourth, to keep Government institutions functioning and programmes executing without interruption, K1.8 billion was released for the implementation of programmes and other general operations—aligned to approved workplans and day-to-day service-delivery requirements.

Fifth, we released K1.4 billion for capital expenditure, because growth is built, not wished into existence. Of this amount, K655.5 million supported road infrastructure, K67.8 million supported the Rural Electrification Authority (REA), K201.9 million supported water infrastructure projects, and K440.2 million supported infrastructure development coordinated across ministries nationwide.

So what is the message of these January releases?

In January 2026, the Treasury releases reinforced three signals that matter most to citizens and markets: continuity, credibility, and clean ex*****on. Continuity means essential public services and core Government functions did not stall. Credibility means our obligations were met in a way that sustains confidence in the Government’s payment culture and fiscal discipline. Clean ex*****on means we did not merely release resources—we closed out legacy payment lines so that key programmes can move forward without distortions from carry-over arrears.

And let me emphasize this: the way we treated FRA dues to farmers and Cash for Work reflects the discipline of the 2026 Budget. We are settling verified obligations in an orderly manner, and we are resetting priority social interventions so they can deliver results predictably, on time, and with accountability.

That is how Zambia moves forward—from stabilization into a growth-oriented phase that is practical, jobs-focused, and visible in everyday life.

Ends.

26/12/2025

As we reflect on the past year, we're grateful for the trust you've placed in us as "TWAZWE BUSINESS CONSULTANTS".Your success is our success, and we're honored to be part of your journey.

Wishing you and your loved ones a joyous holiday season, a peaceful new year, and a prosperous 2025! 🎁✨

May your celebrations be filled with love, laughter, and cherished moments.

Warm regards,
TWAZWE BUSINESS CONSULTANTS 🎅"

Beauty, cosmetic & personal care

23/06/2024

Business Systems

25/11/2023

:

I am sorry I am writing this on a day you are supposed to be resting and having fun. But someone needs to remind you of this: No one owes you a living. And if you have someone to blame for your failures, then I am so sorry. You are not cut out for business.

In this cutthroat world of business, success is not for the faint of heart. If you're looking for a comforting pat on the back and gentle words of encouragement, I advise you to stop reading now. This is a wake-up call, a dose of tough love for aspiring entrepreneurs and seasoned business owners alike. Here's the unvarnished truth you need to hear to thrive in the unforgiving arena of commerce.

1. It's Not Personal, It's Business:

Your business is not your baby; it's a machine, a well-oiled one, that should produce results. Don't let personal attachments cloud your judgment. Be ready to cut unproductive elements, including cherished ideas or employees if they're not contributing to your bottom line.

2. Embrace Failure:

Failure is not the end; it's a stepping stone on the path to success. Too many entrepreneurs avoid risk like the plague, fearing failure. But you can't reach new heights without occasionally stumbling. Learn from your failures, adapt, and forge ahead.

3. Don't be a Perfectionist:

Perfectionism is the enemy of progress. Waiting for everything to be just right before launching your product or service can be a death sentence for your business. Get it out there, gather feedback, iterate, and improve. You can't make an omelette without breaking a few eggs.

4. Fire Fast, Hire Slow:

Your team can make or break your business. If someone isn't pulling their weight, has a toxic attitude, or simply isn't the right fit, don't hesitate to let them go. On the flip side, take your time to hire people who align with your vision and culture.

5. Numbers Don't Lie:

Your gut feeling can be a valuable asset, but there is nothing spiritual about business. You can not substitute for hard data. Keep a close eye on your financials, analyze the numbers, and make decisions based on facts, not feelings.

6. Adapt or Die:

The business landscape is constantly evolving. If you're not willing to adapt to changing market conditions, emerging technologies, and consumer trends, you're signing your venture's death warrant.

7. Cut the Dead Weight:

Every business accumulates inefficiencies over time. Whether it's outdated processes, underperforming product lines, or unprofitable clients, be ruthless in eliminating anything that's holding your business back.

8. Know When to Walk Away:

Sometimes, the best decision you can make is to cut your losses and move on. Not every venture will be a success, and pouring more resources into a sinking ship is a recipe for disaster. Many times I have had to let go of businesses which many people felt were my backbone.

9. Keep Your Ego in Check:

Your business is not about you; it's about your customers, your team, and your stakeholders. Check your ego at the door and be willing to listen to others, admit your mistakes, and make changes when necessary. We are human, we make mistakes. But we must turn around fast to correct them.

10. Never Stop Learning:

The business world is an ever-changing landscape. Stay hungry for knowledge and always be open to new ideas, strategies, and approaches. Continuous learning is the key to staying ahead of the competition. I am old, but I know more new trends and techniques than many of you.

The hard facts I give you here are not cruelty or insensitivity; it's a necessary reality check. It's the relentless pursuit of excellence, the willingness to make hard decisions, and the commitment to your business's success. So, don't let sentimentality and fear hold you back. The truth is, in this unforgiving world of business, only the strong survive.

Are you strong enough? Are you willing to do what it takes?

22/10/2023

27/10/2022

A giant engine's ship broke down and no one could repair it, so they hired a mechanical engineer 🚂 with over 40 years of experience.

He inspected the engine very carefully, from top to bottom. After seeung everything, the engineer unloaded his bag and pulled a small ball pein hammer.

He hit something gently and soon the engine came back to life again. The engine has been fixed!

7 days later, the engineer mentioned that the total cost of repairing the giant ship was $20, 000.

What?! Said the owner.
"You did almost nothing. give us a detailed bill."

The answer is simple:
Tap with the hammer: $2
Know where to hit and how much to hit: $19, 998.

The importance of appreciating one's expertise and experience.... Because those are the results of struggles, experience and even tears.

If i do a job in 30 minutes, it's because i spent years learning how to do it in 30 minutes. You owe me for the expertise, not minutes.

30/05/2022

DIFFICULTY OF DOING BUSINESS IN ZAMBIA.
"You have to contend with the theft,cheating, laziness"

By Dr Lubinda Haabazoka

The difficulty of doing business in Zambia has been well documented. Some say it’s taxes and some say it’s corruption. But there is a lot more that draws Zambian businesses back and its high time we admitted it as a people so that we can change this mind set.

STEALING.
Ala we can steal! Yesterday I went to buy stuff from a hardware. When I reached the shop, the workers told me that if I waited outside, they would bring me the items I needed for half the price!!! I refused. Doing so would be loses to a business. How many businesses lose money in that way???

I gave a lift to some workers, when we arrived at site, the K10 I had laying on the car sit for weeks was gone. Cry my beloved country!!!

The plumber came to me and said the rubbers for some item were missing. Everyone refused to acknowledge who took them. They all put the blame on the hardware. This is despite the fact that we checked everything together with the plumber!

Now imagine what is happening in big companies???? Imagine what is happening in parastatals where all citizens feel entitled. At Zamefa in Luanshya, I used to object when I saw workers receiving a full body search!!! Now I know why???

TRUST ISSUES.
In Zambia you can’t do remote farming, build remotely or trust any property with anyone!!! There are a lot of stories of poor workmanship or when even trusted workers abandoning jobs half way but busy calling for full payments to be sent!!! There are a lot of stories when even relatives misuse money sent by their diaspora relatives to build houses, develop farms or any other businesses. Then we now ask, why don’t Zambians invest back at home!?? Because there is simply no one to trust. Unless money is sent to a Chinese or Indian company in Zambia, no one will do the work especially when they know that the owner is not there!!!

REMOTE FARMING.
This is almost impossible. Since most Zambians, use their salaries as capital, the best model is to farm remotely in the beginning. How many farms have been abandoned because chickens apparently regularly die of snake bites, caught by other flying birds or eaten by chi mumbwe??? How many Zambians have abandoned farming because during the week no irrigation is done, goats stolen, fertiliser not applied or cattle mysteriously dying??? How can we build trust? How can we build wealth if we can’t be entrusted with other people’s property??

BUILDING.
Building a house in Zambia is a BP inducing experience. Cement is stolen with impunity. House owners are forced to go to the plot to witness the mixing of cement. With blocks and timber, chances are that if you are not on site yourself, you will contribute to the construction of the whole neighbourhood!!! What puzzles everyone is how people accept to buy stolen material simply because it’s cheap!? When you pay builders an advance, you will never see them again!!! In most cases, property owners chase after builders especially if an advance was involved. To avoid this, we are now using Zimbabweans and Chinese! So let’s change ourselves as workers!!! You call an employee, the first thing they demand is transport money. How will you give a job to a person desperate for transport money??? The first question on site is food. We spend 4 hours cooking and three hours working. That’s also prominent in formal work places. People boiling beans at work. Then what time do you work??

POOR CREDIT CULTURE.
They say if you want to lose friendship in Zambia, just lend money to another person. Zambians simply can’t pay back loans!! Whilst reading this, just think of someone who borrowed from you and has never paid back??? Just think of someone you got money from and you never paid back in full or at all!? No wonder banks have to cut at source because very few can voluntarily take the check in a monthly basis to the bank. Because of this, banks can’t lend to us if we don’t have a job (source) to cut from.

NEGLIGENCE.
We simply have no care for other people’s property. Try to give a friend your car to drive. Try to give your friend your laptop to use. You will be lucky if it comes back without problems. Now imagine if it’s a company property or especially government vehicle. No total regard for such property!! Look at how we vandalise public property. How can we we move like this???

BLAMING AUTHORITIES.
We have overburdened our authorities with responsibilities. I drive around townships. Look at our outside premises! We can’t even cut the grass or water it to a certain stand. The beauty of a city is neatly cut green grass, freshly painted buildings among other things! All Wall fences should be plastered and painted!! Painted regularly after each rain season!! We are used to having grass cut for us during Kaunda’s regime!!! Now it’s our responsibility!!!

If we have to give jobs and contracts to ourselves, we have to also improve on service delivery. No one will just give you a job because you carry a Zambian NRC. It’s a hustle to deal with a Zambian company in most cases. You order blocks, you will be chasing for them for months!!!

Otherwise not it’s not all companies though. Some are very professional!!!

Let’s continue changing for the better!!

03/04/2022

The importance of trust in a small business set up. It becomes easy and cheap to do business when there is trust. Find someone you can trust and be trust worth yourself. Somalian business model around the world

20/03/2022

What business can you start with K500!!

BUSINESSES YOU CAN START WITH A K500 (or without money)

I have seen this question asked many times on different platforms by different people especially the youth.

Before I can even answer this question, I also need to mention that you can even start a business with nothing.

And to be able to start a business with nothing, you must focus on service based businesses where you can offer a service based on your gift or skill.

Each one of us has that special gift which Jehovah installed before we were even born. And you can use that gift to earn income and a living.

Examples of young people doing that are comedians, musicians, bloggers, actors, vloggers, dancers, writers, etc.

The other way you can start a business without money is by mastering a skill. Photography, plumbing, bricklaying, painting, selling, welding, consulting, coaching, carpentry, graphic designing, hair styling, music and video production, acting, professional cooking, etc.

With skills, you will dedicate enough time to master the skill through self learning or through a mentor or someone who can teach you the skill.

Once you have mastered any of these skills, it's easier to get jobs to earn an income and living if you just learn how to market and sell your skills.

I believe that if you are asking the question of having a K500 and looking for a business to do, you either lost interest in your gift and skill, or you have not identified one yet.

For someone like that, there are many businesses you can start with an amount of K500.

👉 You can order phone accessories from the wholesale shops and resell to your family and friends using social media.

👉 You can start a veggie, rice, potato, beans, or dries business by ordering from Soweto and reselling in your community.

👉 You can start selling ladies underwear, which is sold between K160 - K200 for a dozen and resell for K30 per panties which gives you K360.

👉 You can start gardening from the backyard and sell your produce if you stay in your own home.

👉 You can invest in driving lessons and become a part time Ulendo driver.

👉 You can invest in learning a skill which can make you become a go-to guy for a particular skill.

👉 You can start lending that K500 to marketeers and earn interest daily.

The point is that there are many businesses you can start with no money or with little money.

I recommend that you read my books below;
1. Hustle! Like a West African
2. How to Market and Sell Like a Pr******te
3. Flip The Coin

They are available at my website www.edwinngwane.com

I wish you all the best.