Inside this REDUCING THE CYCLE OF POVERTY THROUGH this ...
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Dear Readers
Welcome to Financial Year 2013
(FY13) in the Habitat for Humani-
ty Zambia (HFH Zambia) calen-
dar. HFH Zambia has made tre-
mendous progress towards achiev-
ing its goals. I am particularly
pleased to write this article for our
newsletter which is covering quar-
ter 1 of HFH Zambia’s, FY13
reporting period. As part of the
HFH Zambia family that contrib-
utes towards breaking the cycle of
poverty through housing, it is
particularly humbling to receive so
much support, feedback and in-
deed a simple pat on the back ‘well
done team’. It gives my team and
I the zeal and zest to focus even
more on providing solutions to
housing for the poor. We take on
board all the constructive criti-
cisms and encouragements and are
committed to continue to deliver
on our promises to you.
We began the quarter on an excel-
lent note of learning and reflecting
through the Standards of Excel-
lence II (SOEII) workshop held in
Lusaka Zambia. Tony Chan (HQ,
USA) and other visitors – Sharon
Petrie, National Director for Mozam-
bique; Patrick Sambaga, National Di-
rector for Uganda, our Programme
Manager Kurayi Kowayi and Meake
Biggs from AME helped us to stream
line our efforts and appreciate the good
that HFH Zambia is doing already. We
are glad that we now have a clear and
informed road map to inform and attain
the necessary standards of excellence in
our National Programme. Still fresh
from the SOEII workshop we went into
the Strategic Choices workshop. Partic-
ipating stakeholders such as the Secre-
tariat for Micro Finance Institutions,
the Devolution Trust Fund for Water,
and the Shelter Initiative under World
Vision etc. were able to share their
experiences thereby giving us informed
choices. HFH Zambia chose to focus
on Urban Housing programme, Orphan
and Vulnerable Group Housing Pro-
gram and Housing Microfinance
Wholesale. Despite the fact that indus-
try focus is on rural development, HFH
Zambia decided to drop the Rural
Housing Programme which was identi-
fied with HFH Zambia for many years.
Of course we are glad to have served
the rural communities for 27 years. Key
to the new country strategy are cross-
cutting areas such as Volunteer En-
gagement (which forms a huge compo-
nent of our program), Advocacy, Water
and Sanitation. We now have an oppor-
tunity to synchronise our Strategic Plan
with the Global process and attain the
right deliverables in line with the Glob-
al Strategy for 2014-18.
Another milestone was the FY12 Fi-
nancial Closure which resulted in an
unqualified report. This now gives us a
clean bill for delivering FY13 delivera-
bles knowing that we are on the right
track both with our programs, manage-
ment and stewardship of the resources
entrusted to us.
Close to our hearts is the Pamwesu
OVC Project which won Irish Aid funding
in July this year. Definitely rewarding times
ahead under the Orphans and Vulnerable
groups program with the renewed partner-
ship with HFH Ireland and Irish Aid for the
next three (3) years. With the support of the
Irish Aid grant HFH Zambia will construct
137 new housing units that will benefit
orphaned and vulnerable families; raise
awareness on HIV and AIDS issues, raise
the bar on Inheritance rights and Will writ-
ing and deliver Water and Sanitation ser-
vices in 5 locations in Lusaka and Ndola.
This project will be a flagship of our Minis-
try in Zambia. Already, As I write this
article 5 families have experienced the joy
of living in a more habitable house as a
result of this project.
You will agree with me that the funding
cake continues to shrink globally however;
God is on our side as HFH Zambia has
made great strides to increase our efforts
into local fundraising among corporations.
We gave ourselves an ambitious target for
FY13 fundraising. I am glad to report that
we are well around 60% of the target al-
ready. I would like to commend my team
for this success; which we should now
transfer into joy for the home owners. We
commit to continuing our stewardship to
the resources you entrust to us and we will
continue to inspire action to end poverty
housing in Zambia. On behalf of the Board
of Directors and myself I wish to give great
accolades to everyone who has supported
us so far. We can only say, because of your
support you are making a difference to
many poor and vulnerable people in Zam-
bia for generations to come.
Our deepest condolences and prayers go to
H.E. Dr. Kenneth Kaunda our Patron and
his family who lost his wife, Mama Betty
Kaunda. We continue to commit his Excel-
lency and family in prayer.
Wishing you all God's blessings.
REDUCING THE CYCLE OF POVERTY THROUGH
LOCAL CORPORATE PARTNERSHIPS
Joseph S. Munsanje National Director-
HFH Zambia
-Lafarge renews its
commitment to commu-
nity development
-Irish Aid grant
2
-Water flows in
Palabana
-One house at a time
3
-HFH Zambia news
-Remembering—
Mama Betty Kaunda
4
Inside this
issue:Inside
this issue:
Fiscal Year 13 July-September 2012
www.habitatzam.org.zm Are you a HFH Affiliate looking for somewhere to tithe? HFH Zambia Program needs your support today.
Editorial team
Linda Sharon Mafonko
Sakalima Yoyo
Joseph S. Munsanje
Musoli Kashinga
Lu
sak
a In
tern
atio
na
l Irish
Stu
de
nts visit
SO
EII W
ork
sho
p
In 2011-2012, Lafarge Zambia partnered with Habitat for Humanity
Zambia on its Vulnerable Group Housing to accelerate and broaden
access to affordable housing as a foundation for breaking the cycle of
poverty. Lafarge Zambia donated 1008 bags of cement for 32 housing
units (reaching approximately 200 direct beneficiaries) to have decent,
durable shelter in Lusaka, Ndola, Chongwe, Chibombo, and Kaoma.
As HFH Zambia we are truly, inspired and humbled at the like-
mindedness of Lafarge in that a further commitment of 3,675 bags of
cement will be donated to HFH Zambia and contribute towards our cur-
rent fiscal year FY13 (1st July 2012 to 30th June 2013). This new sup-
port will contribute towards the HFH Zambia program in construction of
a total of 105 housing units as follows; 90 housing units under our urban
housing program, 15 housing units in our rural program. This gesture
demonstrates Lafarge’s commitment to eliminate poverty housing in
Zambia and the world over. Their long term view of supporting Habitat
for Humanity Zambia programmes demonstrates that Lafarge wishes to
attain maximum impact; in line with its motto “bring materials to life”.
Thank you Lafarge!
LAFARGE ZAMBIA RENEWS ITS COMMITMENT TO REDUCING THE CYCLE OF POVERTY THROUGH
HOUSING
Page 2 Habitat for Humanity Quarterly Newsletter
THANK YOU TO THE
PEOPLE OF IRELAND!
LISTER’S STORY
In July 2012, HFH Zambia
through its partnership with
HFH Ireland was granted a
three year grant that will im-
prove the lives of Orphans and
Vulnerable Children and their
caregivers through the provi-
sion of adequate housing, wa-
ter and sanitation services, the attainment of land
tenure rights, facilitation of livelihoods and an
increased knowledge and understanding on the
prevention, care and treatment of HIV/AIDS.
Through this project HFH Zambia will construct
137 new three roomed housing units with VIP
latrines and drill 5 hand pumps that will improve
access to clean water for more than 1,200 direct
beneficiaries in Lusaka and Ndola. HFH Zambia is
extremely excited about this
project and looks forward to
contributing towards changing
the lives of poor people for
generations to come.
The saying that goes ‘poverty bears a woman’s
face in Africa’ is evidently true when you meet
Lister Matani Kamwendo a 74 year widow who
takes care of her two (2) grandchildren -
Lovemore Ndhlovu (16 years) and Joyce
Ndhlovu (15 years) as a result of the death of her two chil-
dren in 2001. Despite the fact that Lovemore and Joyce are
school going age they have never stepped into a classroom
because of lack of funds to support their education.
Lister has not had a break on the struggles that come with
being poor; missing the basic needs of life such as food, access
to water and most importantly adequate shelter to keep her
family safe. Lister says that it was particularly difficult in
the rainy and cold season for the grandchildren because she
had poor shelter the mud house would let in the cold in the
winter, flood and crumble during the rainy season. Simple
things that we all take for granted such as taking a bath or
drawing water are a challenge for this family as their only
source of water is from a neighbors shallow water well which
is not treated. Sanitation for this family is also a challenge
because Lister and her family do not have a latrine or bath-
ing area.
Lister does not have a steady flow of income as she is very old
and physically handicapped and relies on the generosity of
neighbors who pay her for weeding their gardens. The health
of the family is left to God’s care Lister explains.
“We are lucky that the government introduced
free health care, otherwise we could have died a
long time ago. The only clinic in Chipulukusu is
called Chipulukusu clinic is at least accessible
and is less than a kilometer”. - Lister
Lister was identified through HFH Zambia part-
nership with Samaritan Strategy Foundation of
Zambia and has since moved into her new Habi-
tat home.
Lister’s new house was constructed by an Irish
Global Village team lead by Michael Nugent
who is a committed friend and supporter of HFH
Zambia. Over the years, Michael has through
his network of friends raised significant
amounts of money for the vulnerable group
housing program in Zambia and HFH Zambia
can only say thank you – “we appreciate your
continued support to Zambia, blessings on you
always and see you in 2013!”- Joseph Munsanje
(National Director)
Thank you Michael Nugent, Gavin and Stephen
In September 2012, HFH Zambia entered
into a ZMK100,000,000 partnership with SAB-
Miller Zambia group of com-
panies; Zambian Breweries
and National Breweries to
improve the lives of a farming
community in Palabana about
47 kilometres from Lusaka
City Centre. The partnership
support includes the rehabili-
tation of 3 water hand pumps,
providing training in health
including prevention and management of
HIV/AIDs and malaria. Entrepreneurship
skills and basic business management train-
ing will also be provided to more than 120
members of the Palabana community includ-
ing women and youth. Prior to this interven-
tion, Palabana had only two public safe water
points (one at the market and another at a
school) which have been poorly maintained
and managed and were no longer functioning
effectively to meet the water needs of the
community.
The provision of safe water means significant
reductions in water-borne diseases such diar-
rhoea and other sanitation related illnesses
especially among children. Receiving the
rehabilitated
pump at Palabana
Basic School, the
Head teacher Mr
Daka said ‘it is a
dream come true
as the school did
not have adequate
supply of water
since the hand
pump broke down years ago. We will no
longer spend hours looking for water, nor
will the community have to depend so heav-
ily on the Palabana agricultural college for
water supply. And Zambian Breweries Plc.
Managing Director Anele Malumo said that
the SABMiller companies in Zambia contri-
bution to the Palabana community was in
line with the organisations corporate social
responsibility focus and is aimed at improv-
ing access to clean water for the rural com-
munities, thereby decreasing incidences of
water borne diseases. Deputy Minister of
Community Development and Early Child
Hood Dorothy Kazunga said the donation
could not have come at a better time than
now at the begining of the rainy season
when there are higher indecencies of water
borne-diseases. She said it was important
that the private sector continues to support
government efforts in reducing poverty
and that the community should guard
jealously the investment that had been
made by Zambian Breweries and Habitat
for Humanity.
The project will further provide decent
housing to selected members of the Pala-
bana community by contributing the
roofing materials of 15 housing units in
PIKK project resulting in 90 individuals
living in safe, healthy homes by June 2013.
It is expected that the project will strength-
en the capacity of women to form savings
groups through financial literacy trainings
and management by June 2013.
Thank you SABMiller!
CLEAN WATER FLOWS IN PALABANA
In August 2012, Stanbic Bank Zambia responded to HFH Zambia’s call
to action on Volunteerism and donated ZMK25, 000,000.00 towards
HFH Zambia programs. Speaking on behalf of Dennis Kennedy the
Managing Director of Stanbic Bank, Head of Marketing and PR, Kami-
za Chakula said that this donation was part of their commitment to
community development and in celebration of 150 years of operation as
Standard Bank Group. Speaking at the same occasion, Deputy Minister
of Social Welfare, Mother and Child Health, Hon. Jean Kapata MP said
that Government recognized the fact that any shortfall in the housing
sector could trigger severe negative impacts on social welfare, the envi-
ronment and the general performance of the economy and that it why
private sector involvement in development was very important and
must be encouraged. The event was also graced by Stanbic Bank and
HFH Zambia staff, SOS Children’s Villages and HFH Zambia Board
Chairperson.
ONE BRICK AT A TIME
Page 3 Fiscal Year 13
www.habitatzam.org.zm
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+260 2
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51087
www.habitatzam.org.zm
HFH ZAMBIA LAUNCHES NEW MORTGAGE REPAYMENT SYSTEM
HFH ZAMBIA IMPROVES ACCOUNTING SYSTEM AND ICT
INFRASTRUCTURE TO SERVE CLIENTS BETTER
Contact us: HFH Zambia, Stand 42, Kudu Road, Kabulonga, Lusaka . P.O Box 34987, Zambia Email:
[email protected] & [email protected] Tel: +260 211 251087 Fax: +260 211 251578
OPPORTUNTIES FOR FUNDING
90 New houses to be constructed on Zambia Urban Housing Project—cost per house ZMK20,600,000
(USD$4,120)
15 New houses to be constructed on PIKK Rural project—cost per house ZMK 16,840,000 (USD$3,368)
GRANTS: Irish Aid Grant approved in April which aims to construct 137 new houses for Orphans and Vulnerable
Children over three years starting 1st July 2012:
44 New houses to be constructed on Pamwesu OVC Project –cost per house ZMK 26,400,000
(USD$5,280 ) -including program sustainability costs
SNAP SHOT OF FY13 PLANS FOR HFH ZAMBIA
Our deep-
est condo-
lences to
H.E. Dr.
Kenneth
Kaunda –
Patron of
Habitat
for Hu-
manity
Zambia,
the bereaved family, friends and the
entire nation. We all have lost a great
woman - mother of the nation, foun-
tain of hope and inspiration. H.E. Dr.
Kenneth Kaunda and family, we hope
that this message may comfort you in
the very painful days to come. Our
thoughts and prayers are with you and
your family at this sad time.
HFH Zambia has upgraded its Sun Ac-
counting System from version 426 to
version 433. The v433 comes with the
enhanced Info Q&A that allows easy
inquiry and generation of accounting
information. The Finance and Admin-
istration Manager, Makasa Luombe
expressed joy and satisfaction at the
upgrade of the accounting package.
“This has been made possible with the
support of HFHI AME office”, he said.
Commenting on the upgrade, Makasa
said “the upgrade will enable us pro-
cess transactions faster given that we
have not only upgraded the Sun Sys-
tem, but we have also acquired new
computer hardware. The old Sun V426
was running on a very old computer
and this tremendously reduced our pro-
cessing speed. With a new computer
and server installed, our accounting
information will be processed faster and
our data security will be enhanced.”
He further revealed that a new Loan
Tracking System (LTS) will be installed
during the middle of quarter 2 that will
greatly improve our mortgage debtors’
management system and result in im-
provements on our loan recovery ratios,
which are currently a major source of
concern to management. With the new
LTS, HFH Zambia will be able to gen-
erate monthly statements which will be
sent to homeowners so that they know
at each point in time how much is out-
standing on their mortgages.
Since 1984, HFH Zambia has been calculating
its loan to clients through a system known as
Cement Index (CI). CI is a system of convert-
ing the loan into bags of cement at the prevail-
ing rate of the day. However, due to the insta-
bility of the economy which affects the price
of cement this used to cause confusion among
HFH Zambia beneficiaries who are mostly not
conversant the effects of inflation as the
monthly loan repayment would fluctuate as
cement prices changed. Furthermore, an anal-
ysis of the monthly repayment indicated as a
proportion of cement bag e.g. 2.3 bags per
month caused further confusion. At the time
when the economy was stable this worked
very well.
It is for the above reason that HFH Zambia
has introduced a new fixed mortgage repay-
ment system that will be calculated at a
onetime percentage fee of 6.5. This will be
calculated by taking the total amount owed
and adding a onetime 6.5% fee based on the
amount owed to cover the cost of inflation.
The total amount will then be divided even-
ly over the term of the loan, and equal
monthly repayment will be paid until the
loan is paid off. All existing mortgages will
be recalculated to reflect this change and all
new mortgages will be issued under this
repayment system.
HFH ZAMBIA
PROJECT UPDATE
CELEBRATING THE LIFE
OF MAMA BETTY KAUNDA
PAMWESU OVC 5 housing units constructed out 12 tar-
geted new units
ZAMBIA URBAN HOUSING PRO-
JECT (ZAMUHP)
15 housing units constructed out of the targeted 24 new units
PIKK RURAL PROJECT 3 housing units constructed out of the
targeted 8
To direct the change over and training
exercise for the validation process and
new system Team Leader Milandu
Dubeka with the support of Paul
Mwanza have successfully for the
period July – September 2012 validat-
ed loans in Kawana A & B, Ibenga,
Nkwazi, Chipulusuku. The team tar-
gets to complete the validation by
November 2012 for projects in Twapia
and Kaniki, Palabana, Katete and
Tiyende Pamodzi.