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(8, 'Government', 'bQWeuXXCPNdDzYJPb1FGps7MWVrdHR'),
(9, 'SACCO News', 'am8mFOovYfOdhudsdC'),
(10, 'Environment', '7xyeysXiqlSg8g6CWamFzsr8'),
(11, 'MUSCCO News', 'Qo8XDrQvrQ');

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(5, '6', 'Cooperation Amongst Cooperatives!', '<div>\r\n  <div dir=\"auto\"></div>\r\n</div>\r\n<div>\r\n  <div dir=\"auto\">\r\n    <p>In a quest to serve our members better, MUSCCO signed an MOU with Housing Investment and Development Cooperative Society LTD(HIDCO). </p>\r\n  </div>\r\n  <div dir=\"auto\">\r\n    <p>HIDCO is the first ever housing cooperative in the country.</p>\r\n  </div>\r\n  <div dir=\"auto\"><br /></div>\r\n</div>\r\n<div>\r\n  <div dir=\"auto\">\r\n    <p>This <a tabindex=\"-1\"></a>MOU will be greatly beneficial to our affiliate SACCOs as it gives them yet another opportunity to provide their members with products that would eventually make the members property owners at very competitive rates. </p>\r\n  </div>\r\n</div>\r\n<div>\r\n  <div dir=\"auto\">\r\n    <p>Four SACCOs(MUDI, FINCOOP, MSILIKALI &amp; UNITED CIVIAL SERVANTS) are the pioneers of this project. </p>\r\n  </div>\r\n</div>\r\n<div>\r\n  <div dir=\"auto\"><a href=\"https://web.facebook.com/hashtag/joinasaccotoday?__eep__=6&amp;__cft__[0]=AZVOiybFhAu2N6P_S1zMAHBnF7vcIwaF1k6eSKIjOoMU9hnAXIMKTzccK2GPAaQ3hKtUNDKEtpmVQJie29eHSviRLc7mgxqE3X0CeY_m8Oh93dwll6q2KW4xR0P0k4s5yQb1KO3prm-h5rq_ORGQSbKunfR0ihmFGyHWXT5ZURcHJztttd6L-5okJqjsgGsKRyE&amp;__tn__=*NK-R\" role=\"link\" tabindex=\"0\" style=\"list-style-type: none;\">#joinasaccotoday</a> </div>\r\n  <div dir=\"auto\"><a href=\"https://web.facebook.com/hashtag/saccosareforeverybody?__eep__=6&amp;__cft__[0]=AZVOiybFhAu2N6P_S1zMAHBnF7vcIwaF1k6eSKIjOoMU9hnAXIMKTzccK2GPAaQ3hKtUNDKEtpmVQJie29eHSviRLc7mgxqE3X0CeY_m8Oh93dwll6q2KW4xR0P0k4s5yQb1KO3prm-h5rq_ORGQSbKunfR0ihmFGyHWXT5ZURcHJztttd6L-5okJqjsgGsKRyE&amp;__tn__=*NK-R\" role=\"link\" tabindex=\"0\" style=\"list-style-type: none;\">#SACCOsareforeverybody</a></div>\r\n</div>\r\n\r\n<p><br /></p>', 23, '230811040543_small 1.jpg', '230811040543_Untitle.jpg', 1, '2023-08-11 04:05:43', 'jxP4V5GqfTv3CDn5iYLT1QEYfiPrOdI'),
(8, '2', 'ACCOSCA', '<div>\r\n  <div dir=\"auto\">\r\n    <p>Cooperators from various countries in Africa including the Kingdom of Eswatini, Uganda, Tanzania, Botswana, Malawi, Kenya among others, have convened at the ACCOSCA Academy Centre of Excellence in Nairobi for the Inaugural cohort of the Africa Professional Women in Cooperatives Program. </p>\r\n  </div>\r\n</div>\r\n<div>\r\n  <div dir=\"auto\">\r\n    <p>The one-week initiative seeks to equip women in cooperative management with an array of leadership skills and knowledge, encourage peer to peer learning on best practices and foster for initiatives geared towards enhancing inclusivity among financial institutions in Africa. </p>\r\n  </div>\r\n</div>\r\n<div>\r\n  <div dir=\"auto\">\r\n    <p>ACCOSCA and the Africa Co-operative Development Foundation (ACDF) bears witness to the numerous opportunities and untapped potential Africa has to offer. </p>\r\n  </div>\r\n  <div dir=\"auto\"><br /></div>\r\n  <div dir=\"auto\">\r\n    <p>We continue to roll out such impactful initiatives in a bid to see that Africa realizes her full potential, across every indicator. </p>\r\n  </div>\r\n  <div dir=\"auto\">\r\n    <p><a href=\"https://web.facebook.com/profile.php?id=100064667143053&amp;__cft__[0]=AZUMs8Vh4Jic3-xvnzT5UFEGdekCRLGfQabaMKUtIypE2y4_TquPy5eb6vm8w0qfzihQjDzCe6jZMRCjHIR3KwVJaBsKzuEgisP0nUJzHQ8ANchTPZ-vltq0h8nppBqnwZJ5163Ru4hyk6TKqU4XeMH-eYDPJUTnPIHyU5t6HH6a4HM6_YjzSFkR0-goZDUAH92advCic27eTd1e-0Loyih1&amp;__tn__=-]K-y-R\" role=\"link\" tabindex=\"0\" style=\"list-style-type: none;\">Sccult 1992 Ltd</a> || Uganda Cooperative Savings and Credit Union Limited || <a href=\"https://web.facebook.com/MUSCCO?__cft__[0]=AZUMs8Vh4Jic3-xvnzT5UFEGdekCRLGfQabaMKUtIypE2y4_TquPy5eb6vm8w0qfzihQjDzCe6jZMRCjHIR3KwVJaBsKzuEgisP0nUJzHQ8ANchTPZ-vltq0h8nppBqnwZJ5163Ru4hyk6TKqU4XeMH-eYDPJUTnPIHyU5t6HH6a4HM6_YjzSFkR0-goZDUAH92advCic27eTd1e-0Loyih1&amp;__tn__=-]K-y-R\" role=\"link\" tabindex=\"0\" style=\"list-style-type: none;\">Malawi Union Of Savings and Credit Cooperatives</a> || <a href=\"https://web.facebook.com/KusccoLtd?__cft__[0]=AZUMs8Vh4Jic3-xvnzT5UFEGdekCRLGfQabaMKUtIypE2y4_TquPy5eb6vm8w0qfzihQjDzCe6jZMRCjHIR3KwVJaBsKzuEgisP0nUJzHQ8ANchTPZ-vltq0h8nppBqnwZJ5163Ru4hyk6TKqU4XeMH-eYDPJUTnPIHyU5t6HH6a4HM6_YjzSFkR0-goZDUAH92advCic27eTd1e-0Loyih1&amp;__tn__=-]K-y-R\" role=\"link\" tabindex=\"0\" style=\"list-style-type: none;\">KUSCCO Ltd</a> || <a href=\"https://web.facebook.com/esascco?__cft__[0]=AZUMs8Vh4Jic3-xvnzT5UFEGdekCRLGfQabaMKUtIypE2y4_TquPy5eb6vm8w0qfzihQjDzCe6jZMRCjHIR3KwVJaBsKzuEgisP0nUJzHQ8ANchTPZ-vltq0h8nppBqnwZJ5163Ru4hyk6TKqU4XeMH-eYDPJUTnPIHyU5t6HH6a4HM6_YjzSFkR0-goZDUAH92advCic27eTd1e-0Loyih1&amp;__tn__=-]K-y-R\" role=\"link\" tabindex=\"0\" style=\"list-style-type: none;\">Eswatini Association Of Savings &amp; Credit Co-Operatives</a> || <a href=\"https://web.facebook.com/profile.php?id=100092109924380&amp;__cft__[0]=AZUMs8Vh4Jic3-xvnzT5UFEGdekCRLGfQabaMKUtIypE2y4_TquPy5eb6vm8w0qfzihQjDzCe6jZMRCjHIR3KwVJaBsKzuEgisP0nUJzHQ8ANchTPZ-vltq0h8nppBqnwZJ5163Ru4hyk6TKqU4XeMH-eYDPJUTnPIHyU5t6HH6a4HM6_YjzSFkR0-goZDUAH92advCic27eTd1e-0Loyih1&amp;__tn__=-]K-y-R\" role=\"link\" tabindex=\"0\" style=\"list-style-type: none;\">Botswana Savings and Credit Cooperative Association </a> <a href=\"https://web.facebook.com/hashtag/peoplehelpingpeople?__eep__=6&amp;__cft__[0]=AZUMs8Vh4Jic3-xvnzT5UFEGdekCRLGfQabaMKUtIypE2y4_TquPy5eb6vm8w0qfzihQjDzCe6jZMRCjHIR3KwVJaBsKzuEgisP0nUJzHQ8ANchTPZ-vltq0h8nppBqnwZJ5163Ru4hyk6TKqU4XeMH-eYDPJUTnPIHyU5t6HH6a4HM6_YjzSFkR0-goZDUAH92advCic27eTd1e-0Loyih1&amp;__tn__=*NK-y-R\" role=\"link\" tabindex=\"0\" style=\"list-style-type: none;\">#PeopleHelpingPeople</a> || <a href=\"https://l.facebook.com/l.php?u=http%3A%2F%2Fwww.accosca.org%2F%3Ffbclid%3DIwAR2iPlMaRFrNhyhYzR3nEqORWsh9Nqu1_ysb8JVHBeYn_n_YLIcj7cbCQGE&amp;h=AT2bQaQ643_BC2KsKIPeYIlCdbx6v4nlEMx5Agqoe-di0_CYGI8CfXS935Tx7M4ZMm-jJpG8XLh9pPH1BTrZ-dsXJWNnpuWoxBcEuXCCXv62vibCqnCxxOGmMA7Uswqib6iP&amp;__tn__=-UK-y-R&amp;c[0]=AT0_E9Ibs0TSlxs1QW2a0X6kl78FWjg25muWGmtRCKO-l1YuAw_Zg82ppyUMpyb5ziEpPAu9ItH-HO0PaScKURc36DlHh5KDOS1kOJhCZCUZUYK_mYXFUy6Qkh3vHy1zwR4f5h3G8633tLAR0iGdGKnTr7hVhYfc1QK9uTlgVzXEfCVrKM3AbZq2xj8V12UQW7VvEWIK3VvREmkJ4okCAlgc_Si9CyGfFhAh\" rel=\"nofollow noreferrer\" role=\"link\" tabindex=\"0\" target=\"_blank\" style=\"list-style-type: none;\">www.accosca.org</a></p>\r\n  </div>\r\n</div>\r\n\r\n<p><br /></p>', 23, '230814063046_352803169_628289802667164_2898901934701676441_n.jpg', '230814063046_352803169_628289802667164_2898901934701676441_n.jpg', 1, '2023-08-14 06:30:46', 'QRidrGXwtaIvYb6Y0QrY3ovjhZSAgbL6b87jpPg89SgPk1QtcQaAuSX7SPY'),
(9, '2', 'Commemorating International Day of Cooperatives. ', '<div>\r\n  <div dir=\"auto\">\r\n    <p>Under the theme Cooperatives Partners for accelerated Sustainable Development, Malawi Federation of Cooperatives (MAFECO) together with the Ministry of Trade &amp; Industry led cooperators in commemorating International Day of Cooperatives. </p>\r\n  </div>\r\n</div>\r\n<div>\r\n  <div dir=\"auto\">\r\n    <p>MUSCCO &amp; It\'s affiliate SACCOs were part of these celebrations.</p>\r\n  </div>\r\n</div>\r\n<div>\r\n  <div dir=\"auto\">\r\n    <p>The Head of State Dr Lazarus McCathy Chakwera was In attendance. </p>\r\n  </div>\r\n</div>\r\n<div>\r\n  <div dir=\"auto\">\r\n    <p>A <a tabindex=\"-1\"></a>highlight of the day is when the President joined United Civil Servants SACCO!</p>\r\n  </div>\r\n</div>\r\n\r\n<p><br /></p>', 23, '230820055717_SMALL BIG .jpg', '230820055717_bIG.jpg.jpg', 1, '2023-08-20 05:57:17', 'KAnOnneOQYAZ6WTs41qNwvadRCm9l'),
(12, '6', 'The Head Of State; His Excellency Dr Lazarus McCathy Chakwera Joined The Movement!', '<div>\r\n  <div dir=\"auto\">As we celebrated the International Day of Cooperatives, the SACCO sector is still over the moon!</div>\r\n  <div dir=\"auto\"><br /></div>\r\n</div>\r\n<div>\r\n  <div dir=\"auto\">\r\n    <p>The Head of State; His Excellency Dr Lazarus McCathy Chakwera joined the movement!</p>\r\n  </div>\r\n</div>\r\n<div>\r\n  <div dir=\"auto\">\r\n    <p>MUSCCO CEO, Fumbani Nyangulu welcomed the Head of state to the movement while the Minister of Trade &amp; Industry, Hon Simplex Chithyola looked on!</p>\r\n  </div>\r\n</div>\r\n<div>\r\n  <div dir=\"auto\">\r\n    <p><a href=\"https://web.facebook.com/hashtag/saccosareforeverybody?__eep__=6&amp;__cft__[0]=AZUiz8WUhv8ex8G-Pbl7MGnefSlomCf6EMPOaxLKRhIV84FUmwNLfyLBg1ot4HABuwHsk6Upo34iqterdRcjjHhBQk1Fq81fQJnbMMy3GjL2oqlH93OzjcZUE6xe4cQQZPVoPQn-KEY0txBjSHIACE1R&amp;__tn__=*NK-R\" role=\"link\" tabindex=\"0\" style=\"list-style-type: none;\">#SACCOsareforeverybody</a>!</p>\r\n  </div>\r\n  <div dir=\"auto\">\r\n    <p><a href=\"https://web.facebook.com/hashtag/joinasaccotoday?__eep__=6&amp;__cft__[0]=AZUiz8WUhv8ex8G-Pbl7MGnefSlomCf6EMPOaxLKRhIV84FUmwNLfyLBg1ot4HABuwHsk6Upo34iqterdRcjjHhBQk1Fq81fQJnbMMy3GjL2oqlH93OzjcZUE6xe4cQQZPVoPQn-KEY0txBjSHIACE1R&amp;__tn__=*NK-R\" role=\"link\" tabindex=\"0\" style=\"list-style-type: none;\">#JoinaSACCOToday</a>!</p>\r\n  </div>\r\n</div>\r\n\r\n<p><br /></p>', 23, '230822043653_BOSSDEAR.jpg', '230822043653_OB23.jpg.jpg', 1, '2023-08-22 04:36:53', 'v7PUy6zbRkrY1HGkLKLX9gLLVbxYelYDpk6D8NKn0f7b1oHKF9PlhPbyoc'),
(15, '9', 'SACCO GREEN WEEK!', '<p>\r\n  The Devastating effects of Tropical Cyclone Freddy in 2023 was a wake-up call for action in conserving the environment. MUSCCO and SACCOs felt that there is more to be done in this regard. SACCOs have a duty to the community guided by the cooperative principle number 7 <b><i>“concern for the community”.</i></b> This year MUSCCO has launched a GREEN WEEK; under the theme <b>LIVE GREEN.THINK\r\nGREEN. </b>In the course &nbsp;&nbsp;&nbsp;&nbsp;of the week (1\r\n  <sup>st</sup>-8<sup>th</sup> March 2024), SACCOs and various networks in the sector will have tree planting exercises across the country.</p>\r\n<p><br clear=\"all\" /> In his remarks at the launch; MUSCCO CEO FUMBANI NYANGULU(I-CUDE) stated that, this initiative resonates with Sustainable Development Goal number 13 “Climate Action” whose main goal is for everyone to take urgent action to combat climate change and its impacts. He called on all SACCO members and all Malawians, to Live green and Think Green by planting at least a tree.</p>\r\n<p>&nbsp;</p>\r\n\r\n\r\n\r\n<p><br /></p>', 29, '240301011437_1709297217065.jpg', '240301011437_1709297217091.jpg', 0, '2024-03-01 13:14:37', 'WD3C8pzxUd03mNDpiJ9zy6wLDPVI68oVg8yR'),
(16, '9', 'World Money Week ', '<p>Every year the world commemorates global money week whose goal is to empower children and youth to not only learn to manage their money wisely but save for their futures and earn for themselves and their families. The Team from MUSCCO Limited led by Andole Mang\'anya and Anthony Makuluni visited Chipasula Secondary School in Lilongwe and Chikwawa Teachers Training College in the lower Shire to educate our learners about the currency history, variations and identification of original and fake notes with various methods and devices.</p>\r\n<p>We are grateful to the Central Bank’s support for this successful event.<br /></p>', 28, '240923011558_Andole with Chipasula Team.JPG', '240923011558_Chipasula Students.JPG.JPG', 1, '2024-09-23 13:15:58', 'YTQokMsdvc4yXJ2wCv61Ff'),
(17, '10', 'Live Green. Think Green', '<p>Live Green. Think Green. </p>\r\n<p>2024 is the year MUSCCO launched the \"Live Green. Think Green\" campaign. Through this project, MUSCCO and the entire SACCO sector made a commitment to make a difference 1 tree at a time. </p>\r\n<p>This year, MUSCCO is pleased to have partnered with Lilongwe City Council in restoring the cities lost green spaces as we strive for a greener and more sustainable Lilongwe. Led by Her Worship Esther Sagawa Mayor of Lilongwe, the partnership was sealed with a tree- planting exercise along Kenyatta Drive interchange close to Kamuzu Central Hospital.</p>\r\n<p>Speaking at the event, Her Worship expressed her gratitude to the sector for choosing to take part in the \"Green City Campaign\" she further urged all citizens to join the cause as we strive to promote a greener &amp; more sustainable Lilongwe. </p>\r\n<p>MUSCCOs chief executive officer Mr Fumbani Nyangulu said the sector will continue to do its part in taking care of the environment SACCOs operate in. SACCOs will have various initiatives across the country in the next 2 weeks supporting the cause.</p>\r\n<p><br /></p>', 28, '250206081921_Live Green Think Green.jpg', '250206081921_Live Green 2.jpg.jpg', 1, '2025-02-06 08:19:21', 'L8wwEOvRdkD'),
(18, '9', 'Minister of Trade and Industry SACCO Visits', '<p>The government through Ministry of Industry and Trade is a key stakeholder for the SACCO sector. This week, the sector is hosting The Minister of Trade &amp; Industry Hon. Sosten Gwengwe MP. </p>\r\n<p>The minister has commended savings and credit cooperatives (SACCOs) for promoting financial inclusivity in contributing the country’s efforts in attaining Malawi 2063. His first stop in his tour was at Malawi Police SACCO. The minister was able to appreciate the growth and remarkable initiatives done by MPS SACCO. </p>\r\n<p>The Minister then proceed to Mzuzu where among other duties he visited United Civil Servant SACCO and speaking during a dinner event which was hosted by UCS SACCO, after he had earlier in the day planted a tree at Lusangazi at a tree plot which belongs to UCS SACCO.</p>\r\n<p>He said SACCOs have the potential of making households financially secure and self-reliant and that the ministry which the SACCO’s mother parent will continue supporting them to thrive in their operations. “We will support them whether through reformation of laws and regulations or any other support which the SACCO Movement needs.</p>\r\n<p>We have the department that deals with small and medium enterprises and cooperatives as such we should be able to support them,” said Gwengwe.</p>\r\n<p>He then said he had interacted with various SACCOs across the country and was satisfied that most of the are performing well and making a difference at household level in terms of financial security.</p>\r\n<p>“According to UCS SACCO, they aim at growing their membership to 130,000 by 2026 but there are many SACCOs around and I would like all of them to continue working together under the umbrella of Malawi Union of Savings and Credit Co-operatives (MUSCCO) and have much support as possible to form either co-operative banks or development banks which can invest in additional businesses and infrastructure development as currently the country is infrastructure deficient,” he said.</p>\r\n<p>Chief Executive Officer for UCS SACCO, Francis Waliwa said that the institution is doing everything to possible to increase its membership by introducing service packages which can contribute to the development of the country and members as individuals.</p>\r\n<p>According to Chief Executive officer for MUSCCO, Fumbani Nyangulu SACCOs are the best vehicles to financial accessibility to those who want to embark in SMEs but lack capital investment.</p>\r\n<p><br /></p>', 28, '250206084927_Minister Gwengwe.jpg', '250206084927_Police Visit by .jpg', 1, '2025-02-06 08:49:27', '3PBEPF2EpoZdk11'),
(19, '2', 'MUSCCO takes part in the learning Visit on Rural SACCOs in Rwanda', '<p>MUSCCO\'s through its CEO, Mr. Fumbani Nyangulu has joined a delegation from Malawi\'s finance sector on a five-day learning visit to RWANDA. </p>\r\n<p>The group, being led by Mrs. Khumbo Mtalika from the The Reserve Bank of Malawi, aims to study the structure and operations of Savings and Credit Cooperatives (SACCOs) in rural areas of #Rwanda, focusing on the successful implementation and impact of these financial institutions.</p>\r\n<p>The other influential figures making the team include Mr. Limbikani Kachiwaya, Registrar of Cooperatives in Malawi\'s Ministry of Industry and Trade; Mr. Daud Mtanthiko, Chief Examiner at the Reserve Bank and Mr. Ralph Tseka, Project Manager for the FinEs Project. </p>\r\n<p>Among the objectives of the visit, the team seeks to;<br />? Learn best practices and innovative strategies from Rwanda’s rural SACCOs through #AMIR.<br />? Establish partnerships with key stakeholders in the Rwandan SACCO sector for ongoing collaboration and knowledge exchange.<br />? Gain a better understanding of the regulatory framework supporting rural SACCOs\' growth and sustainability in Rwanda.<br />? Explore the government\'s role in fostering financial inclusion through these cooperatives.</p>\r\n<p>The choice of Rwanda for this visit reflects their intent to learn how financial services can effectively reach rural areas and promote greater financial inclusion</p>\r\n<p><br /></p>', 28, '250326011716_MUSCCO CEO AMIR Visit.jpg', '250326011716_MUSCCO CEO AMIR Visit.jpg', 1, '2025-03-26 13:17:16', 's0ONXLO4I3nFfpLN8Gmk2a4cVKGMS4aQ1TmNhF9yxBw0z'),
(20, '9', 'Rumphi Teachers Sacco to Digitize its Banking Services', '<p>As part of its plans to improve its services, Rumphi Teachers SACCO has embarked at digitizing its services to enable efficient service delivery. The SACCO is migrating to a modern core banking system offered by MFI-HUB Company a local technology company based in Blantyre.</p>\r\n<p>The SACCO Manager Miss Ulemu Kumwenda, revealed that due to the growing numbers of members, there was a need to improve their services through upgrading their systems to be on par with other SACCOs in service delivery.</p>\r\n<p>By partnering with MFI-HUB company, the SACCO by default joins the mobile banking service delivery platform that will ease mobility, congestion, paying loans and also allowing its members to check their accounts via their mobile phones by end of July this year.</p>\r\n<p><br /></p>', 28, '250606035029_Miss Ulemu Kumwenda.png', '250606035029_Miss Ulemu Kumwenda.png', 0, '2025-06-06 15:50:29', 'ANsWAzS7FuW1ERN1RCnz2NXEqbE6jNtQ'),
(22, '9', 'Mchinji Community SACCO Successfully Conducts its Annual General Meeting', '<p>In the heart of Mchinji district lies a beacon of hope and transformation for government employees, farmers cooperatives, youth, saving’s groups. Mchinji Community Sacco, under the visionary leadership of its Manager Mr Michael Mangani, has been at the forefront of empowering its members and fostering economic growth through innovative services and products. The Sacco has not only touched lives but has also set a remarkable standard for financial cooperative societies operating in the district.</p>\r\n<p>Mr Mangani, a leader deeply committed to improving the livelihoods of the Sacco’s members. His leadership has been instrumental in steering the Sacco towards embracing creative and technological solutions to better serve its diverse membership. Recognizing the unique challenges faced by Civil Servants, agricultural cooperatives, youth, and Saving’s groups, the manager has championed initiatives tailored to their specific needs, ensuring that no one is left behind.</p>\r\n<p>During their Annual Membership meeting held on 6th June 2025, Mr Mangani indicated that farmers form a significant portion of Mchinji community Sacco’s membership, and the Sacco has been a vital partner in their agricultural journey. By providing affordable loans, access to quality inputs, and training on financial discipline, savings and investments, the Sacco has enabled farmers to increase their productivity and incomes. These efforts have not only transformed individual households but have also bolstered the district’s agricultural output, contributing to food security and economic stability.</p>\r\n<p>“Members’ involvement with the Sacco has tremendously gone up due to the enhanced Sacco\'s technological systems. They today seamlessly engage with the Sacco, conveniently access their accounts’ balances, save and easily access loans at the comfort of their homes,” said MUSCCO President Mr Alex Ntungama, who is also Chapter 2 president. </p>\r\n<p>Mchinji community Sacco is more than just a financial institution; it is a catalyst for change and a pillar of hope for the people of Mchinji and its environs. Through its intentional actions, strategic leadership, and commitment to its members, the Sacco is building a legacy of empowerment and transformation that will inspire generations to come.</p>\r\n<p><br /></p>', 28, '250606053851_Mangani.jpg', '250606053851_Mangani.jpg', 1, '2025-06-06 17:38:51', 'RdYOAZEeadBGayPOTLrDRJZ'),
(23, '9', 'Rumphi Teachers Launches Banking Platform for Members ', '<p>Rumphi teachers SACCO has accelerated its digitization to respond to a growing need for financial inclusion. Giving members access to the financial services, Speaking during the systems migration project exit meeting held on 18 June 2025, the SACCO President Mr. Tenpex Mkandawire said the SACCO focus is to provide access to finance to its members beyond physical branches as they are not always accessible.</p>\r\n<p>The launching of both the Core and the mobile banking facility will assist our members access their accounts with ease wherever they are allowing them to transact whenever they are. They will no longer have to travel to banking halls, thus saving them time and money,” said Ulemu Kumwenda, SACCOs General Manager </p>\r\n<p>According to MUSCCO digitization statistics as of May 2025, the number of automated SACCOs in Malawi has reached 28, accounting for almost 68% of the total number of SACCOs in the country. Mr Daniel Imfa, Information technology Manager said time has come where SACCOs like Rumphi Teachers will be offering their members more convenient services. MFI-Hub company software is the right technology firstly, it gives a 24/7 branch experience to the member, besides this, it simplifies and automates workflows which improve employees’ productivity. He continued to say by digitizing operations staff will focus on the key business objective: member satisfaction. The core system’s service oriented architecture integrates third party applications thanks to APIs. Data will be shared and managed in a fully secured environment through a unified database as the single source of truth so that SACCO can stay in control and ensure data consistency. Members will therefore benefit from a seamless customer support with a reduced response time.</p>\r\n<p>And speaking on behalf of the service provider Mr Ernest Kuyeya commended the SACCO board for the timely decision in making sure that the SACCOs is amongst beneficiaries of Financial Inclusion and Entrepreneurship Scaling (FInES) Project a five-year Government of Malawi project being implemented by the Reserve Bank of Malawi with support from the World Bank. The project is aimed at increasing access to financial services, promoting entrepreneurship and capabilities of Micro Small and Medium Enterprises (MSMEs) in Malawi. Rumphi teachers is now on system provided by MFI-HUB company a technology service provider for SACCOs in the country.</p>\r\n<p>In conclusion, the solution is to rely on technology to simplify the complex. That is the goal of the partnership between MUSCCO and MFI-HUB company. The partnership takes MFI-Hub’s digital lending, mobile, agency and ATM banking capabilities and integrates them with the core Banking System. The result addresses SACCOs’ needs to automate, secure, and manage their members’ data and activities. We will help SACCOs streamline their business, reduce their costs and modernise their processes while bringing additional value to their members said Mr Kuyeya.</p>\r\n<p><br /></p>', 28, '250618010118_Rutech Go live.jpg', '250618010118_Exit meeting R.jpg', 1, '2025-06-18 13:01:18', 'fCA3A'),
(24, '9', 'Polymed SACCO undergoes Group Formation and Management Training', '<p>MUSCCO continues with its effort of building capacity of SACCOs and the society at large through several capacity building training program short courses and projects which some involve formation of Village Savings and Loan Association (VSLA) and later linking them to SACCOs. Village Savings and Loan (VSLA) is a form of savings among limited self-selected number of community based people of common economic background. This gives the members the opportunity to accessing loans for additional livelihood in a convenient manner aside bank loan. In view of this MUSCCO team lead by the Head of Cooperatives Development (CDI) Mr. Leroy Banda, engaged Polymed SACCO staff members in Blantyre to introduce to them the VSLA concept and its Management. After the engagement the members of staff will be equipped with necessary skills on how to handle groups better. Apart from the traditional payroll members, the SACCO wants to use groups engaged in various social economic activities as a sustainable way to grow the SACCO in terms of both asset and membership, hence a timely training delivered to them by the union.</p>\r\n<p>Group linkages with formal financial institutions improves group financial performance - Savings group members seem to invest more money in their own group when they know its backed by the security of a formal savings account. One of the benefits of linking VSLA to a SACCO is that VSLA groups access bigger loans at SACCO as the loans are given to groups and not individuals within the VSLA <span>—</span>&nbsp;Leroy Banda said.<br /></p>', 28, '250620100307_Polymed SACCO group formation Training 2.jpg', '250620100307_Polymed SACCO group formation Training.j.jpg', 1, '2025-06-20 10:03:07', 'cjXwiicflobqOJu1KZnSYF8xgNefkr2AlVhAkSxkan7VKqDKxs'),
(25, '9', 'SACCOs Visit Salima Resources Centre', '<p>\r\n</p>\r\n<p>In fulfilling Two of the Seven Cooperative Principles Namely Concern for the Community and Cooperation among Co-operators, Malawian SACCOs lead by MUSCCO their apex body undertook some charitable works at Salima Resources Center. Speaking during the event opening meeting Ezekiel Thindwa – MUSCCO Central Finance Manager said “When challenges arise, it’s the collective resolve of members that builds resilience” in reference to the pooled resources to fund a local resources center, SACCOs weren’t just improving access to education - they have demonstrated the transformative potential of shared effort.</p>\r\n<p><b>Salima </b><b>R</b><b>esources\r\ncentre</b> for the blind under Salima district Local Education Authority (LEA) primary started 1967 by well wishers, the goal by then was to teach children with visual impairment in the district. Currently, the centre caters for other surrounding districts and boasting of having more than 31 learners from different districts in Malawi. Children at the centre receive free access to education, food and shelter as they come from needy families.</p>\r\n<p>SACCOs upon realizing that this noble cause cannot be left in the hands of government alone decided to mobilize some resources which they used to paint rooms and the perimeter fence of the centre in order to brighten up spaces, create a more welcoming atmosphere, and contribute to a sense of school pride. SACCOs that participated include UCS, Malawi Police, Msilikali, UN, Limbe Leaf, Mudi, Fincoop and Mphuzitsi.\r\n</p>\r\n<p>United Civil Servant SACCO based in Chapter 3 has been named the Centre mother by both the Centre learners and School administrators for their helping hand at the Centre. They continue to express their gratitude towards UCS SACCO for helping the centre build the fence, provides budgetary support as well as food which has improved the food situation at the school. &nbsp;UCS SACCO through its partners from USA, CANADA have also donated technology equipment such as computers and braille gadgets which aids operations of the centre.</p>\r\n<p>Francis Waliwa - UCS SACCO Chief Executive officer speaking on behalf of the SACCO during the event pledged paying for school fees for children that perform well for their both secondary as well as tertiary education. He further said the SACCO is doing this because it believes - “The visually impaired children need support and require special support, being our children“ “SACCOs believe that what has been done is inspiring and will leave an impact to the society” and that “SACCOs are responsible for the communities they are serving” In conclusion he encouraged the children to work hard as a token of appreciation </p>\r\n<p>The guest of honor was JO HA from Canada; who was overjoyed seeing the works they had started by bringing a team of 30 co-operators in the year 2022 across the globe bearing fruits. The team thereafter proceeded to climb Kilimanjaro Mountain through the Africa fund raise project which supported ACCOSCA Academy initiative buy its office building. She concluded by leaving the members present with the famous SACCO phrase “Let’s share the little we have so that others can live for tomorrow “</p>\r\n\r\n\r\n\r\n<p><br /></p>', 27, '250630095400_Salima kids 1.jpg', '250630095400_Salima Guest .jpg', 1, '2025-06-30 09:54:00', 'NX7kmZ'),
(26, '11', 'The 2025 Africa SACCO Regulatory Round Table (RRT) - Addis Ababa', '<p>The 2025 Africa SACCO Regulatory Round Table (RRT) conference kicked off on Tuesday, 24 June, in Addis Ababa, Ethiopia under the theme \"Strengthening SACCOs Regulation for Financial Stability\".</p>\r\n<p>RRT is a special session where regulators in Africa discuss and collectively share practical experience when implementing Sacco specific regulatory framework and also stir a discourse on reducing financial exclusion and enhancing financial stability through the SACCO Business Model\r\n\r\n  <br /></p>\r\n<p>The high level conference brought together SACCO regulators, industry experts, developmental partners and Cooperatives leaders from across Africa and Beyond to deliberate on enhancing regulatory frameworks for Financial Savings and Credit Cooperatives (SACCOs).</p>\r\n<p>Malawi was represented by the SACCO apex body <span>—</span> MUSCCO\'s Chief Executive Officer Mr.&nbsp;Fumbani Nyangulu&nbsp; and Reserve Bank of Malawi officials. Key objectives during this year\'s gathering include addressing regulatory challenges, building a stable SACCO environment, exploring policy and legal frameworks, and promoting a comprehensive risk management approach.</p>\r\n<p><br /></p>', 27, '250701060056_Daud Mtathiko.jpg', '250701060056_RRT pic.jpg.jpg', 1, '2025-07-01 06:00:56', 'B7VlxADV5V0WEoWD15JwjPkp8aLCxYVS7PZXBgGZ'),
(28, '9', 'MUDI SACCO Celebrates 35 Years of Providing Financial Services', '<p><strong><span style=\"text-decoration: underline;\">MUDI SACCO Limited</span></strong> is celebrating its 35th anniversary this year, marking a journey that has significantly improved the social and economic status of thousands of its members. </p>\r\n<p>A key hallmark is the Sacco’s determination to reach out to even the youth society which it considers as a key driver for the continuity of the SACCO.</p>\r\n<p>Founded and registered in 1990 under the cooperatives Societies ACT no 36 of 1998 as Malawi Bureau of Standards SACCO before changing its name to MUDI SACCO in December 2000. The change allowed the SACCO to open its bond with the main objective to reach out to various private companies and government departments within Blantyre in achieving their financial dreams.</p>\r\n<p>Today, it is present even in the other regions and remote corners of southern Malawi. The Sacco’s footprint now covers all the major cities, Mzuzu, Lilongwe, Zomba and Blantyre, serving over 21,000 members.</p>\r\n<p>“We have lived up to our mission of reaching far and wide through inclusive, sustainable, and effective action to transform the lives of our members and establish shared prosperity,” stated the SACCO Chief Executive Officer Mrs. Triza Tsiga Magreta.</p>\r\n<p>Living up to its vision of “To be a Secure, Convenient and Reliable SACCO in Malawi and beyond”, the Sacco’s efforts to undertake a range of strategies have transformed most of its businesses, both in terms of financial and operational dimensions.</p>\r\n<p>“These changes have enabled the Sacco to compete favorably and become one of the most profitable and financially robust Savings and Credit Co-operative,” She said.</p>\r\n<p>“We will continue to innovate, adapt, and evolve to meet their ever-changing needs,” She promised, adding that together, they will build a strong SACCO.</p>\r\n<p>As part of celebration MUDI SACCO has launched a \"Tikondwere\" 35\" Promotion which will run from July to November 2025 and the final draw will be in December 2025, where the highest winner will go away with 5 million kwacha.</p>\r\n<p>During the 2023 MUSCCO AGM, MUDI Sacco was ranked as the third best performing SACCO among both Employee and community based SACCOs. In 2024 MUDI SACCO was ranked the best performing SACCO in the Southern Region of Malawi. The SACCO is licensed by Reserve Bank of Malawi.</p>\r\n<p><br /></p>', 27, '250710071946_Magareta Triza.jpg', '250710071946_Mudi Sacco Tea.jpg', 1, '2025-07-10 07:19:46', 'wmxZiUBjvh'),
(29, '9', 'The Youth and SACCOs: MUDI SACCO Sustainability', '<p style=\"text-align: justify;\">In a rapidly evolving financial landscape, SACCOs are re-imagining their role—not just as savings institutions, but as empowerment hubs for the next generation. Our site administrator Daniel Imfa speaks with MUDI SACCO Chief Executive Officer Mrs. Treza Tsiga Magreta to shed more light why youths joining a Savings and Credit Cooperative Society (SACCO) is a compelling option that every SACCO leader should consider. </p>\r\n<p style=\"text-align: justify;\"><strong>Note : DD</strong> refers Daniel Imfa and <strong>TTM</strong> refers to Mrs. Treza Tsiga Magaleta </p>\r\n<p style=\"text-align: justify;\"><strong>DD: What inspired your SACCO to create a specific savings account targeting the youth?</strong></p>\r\n<p style=\"text-align: justify;\"><strong>TTM:</strong> In today’s dynamic economic landscape, young people face numerous financial challenges. They often grapple with student loans, rising living costs, and the pressure to save for future goals, these are some of the reasons that motivated the development of youth specific savings products at my institution. In addition, the SACCO Philosophy advocates for financial inclusion, so I believe that if the child is trained properly while young he/she will not depart from the word in his old days. Surely savings made today will support their financial stability in future.</p>\r\n<p style=\"text-align: justify;\"><strong>DD: Why should young people open a savings account in a SACCO instead of a commercial bank?</strong></p>\r\n<p style=\"text-align: justify;\"><strong>TTM:</strong> SACCOs generally offer better monthly returns than the commercial banks, this is mainly due to competitive interest rates, lower service fees, personalized service, member ownership and community involvement. As a country, we have a number of public youth targeted grants, the youths that are already saving with institutions like a SACCO have better chances of qualifying for such public grants and subsidized loans. Regular workshops and mentorship on budgeting, investing, and saving is another unique knowledge that the youth acquire by joining SACCOs than commercial financial entities.</p>\r\n<p style=\"text-align: justify;\"><strong>DD: What is inspiring the youth to open a savings account in MUDI SACCO?</strong></p>\r\n<p style=\"text-align: justify;\"><strong>TTM: </strong>You will agree with me that inspiring youth to save for the future isn’t just about teaching financial habits — it’s about sparking a mind-set shift. I have deliberately taught my staff that every time they are helping or dealing with the youth they should make It personal and relatable by using real-life stories of young people who have achieved goals through saving—like starting a business or paying for school. By highlighting such stories the youths are motivated to open the savings accounts so that one day they could also achieve big dreams. Secondly our youth savings accounts have low barriers to entry. Thirdly as I indicated earlier on, MUDI SACCO is offering competitive interest rates, good Service Delivery which makes the youth feel valued each time they visit the SACCO offices and lastly you can separate today\'s youth from technology - MUDI\'s continuous Innovation culture is adding spice to the youth recruitment strategy in place where the youths are able to open accounts via mobile apps or websites</p>\r\n<p style=\"text-align: justify;\"><strong>DD: What incentives or benefits do MUDI SACCO offer for youth savings accounts?</strong></p>\r\n<p style=\"text-align: justify;\"><strong>TTM:</strong> All the youths that we have recruited so far have been subjected to financial literacy workshops and mentorship on budgeting, investing, and saving. We also do offer competitive interest on their investments, all our services to the youth have got zero charges but more importantly is the fact that their Savings supports a community, not just for corporate profits.</p>\r\n<p style=\"text-align: justify;\"><strong>DD: What is your advice to SACCOs in encouraging a savings culture among the youth? I mean is there any benefit in attracting youth to be SACCO members!!</strong></p>\r\n<p style=\"text-align: justify;\"><strong>TTM:</strong> If SACCOs are to remain in business in the foreseeable future then the route is to focus on the youth, SACCOs should invest in financial literacy awareness programs. SACCOs should have deliberate policies on offering youth-specific accounts with low minimum deposits and attractive interest rates. While community engagement through partnerships with schools looks expensive, it gives an edge in terms of youth recruitment. SACCOs should continue providing digital tools that are youth friendly like mobile banking apps and also coming up with reward programs that incentivize youths to save.</p>\r\n<p style=\"text-align: justify;\"><strong>DD: How does a youth savings account contribute to long-term financial stability of MUDI SACCO?</strong></p>\r\n<p style=\"text-align: justify;\"><strong>TTM:</strong> It provides a foundation for long term savings which eventually boosts the SACCOs liquidity. It also provides financial independence which eventually enables the youth to graduate into ordinary members and I believe MUDI is on a good path in achieving loyalty, informed and confident membership from the youths through the financial literacy programs which build financial discipline in them. All the trainings we are giving out will not go in vain, probably you know that if you have educated members they are more likely to engage consistently, make sound financial decisions, and advocate for the SACCO.</p>\r\n<p style=\"text-align: justify;\"><strong>DD: What is your advice to parents or guardians in encouraging young people to save?</strong></p>\r\n<p style=\"text-align: justify;\"><strong>TTM:</strong> The word of God is very clear that we should continue training them whilst young so that they shall never depart from it. The saving culture needs to be inculcated in the youths at a tender age and they will make it a life style. Parents should never get tired in leading by example by showing their children the importance of saving, having open discussion about the savings with their children, helping them set savings goals and ensuring that those goals are met, rewarding their efforts when they save so that they keep motivating the children to save and finally finding role models for them by picking real life models that they can easily relate with them.</p>\r\n<p style=\"text-align: justify;\"><strong>DD: Your final words in closing my engagement with you.</strong></p>\r\n<p style=\"text-align: justify;\"><strong>TTM:</strong> What will SACCOs benefit by keeping membership with 40 years and above average age, the time is now to start&nbsp;<strong>focusing</strong> on the young generation as youth accounts often lead to family-based membership growth, as parents and guardians introduce children to SACCOs. Youth savings initiatives are more than just financial products—they are strategic tools for social impact and institutional sustainability. Continued innovation, policy support, and youth engagement will be essential to scale these efforts and ensure that every young person has the opportunity to build a secure financial future. This creates a multi-generational financial ecosystem, reinforcing SACCO stability.</p>\r\n<p style=\"text-align: justify;\"><br /></p>\r\n<p style=\"text-align: justify;\"><br /></p>', 27, '250715061021_youth pic.jpg', '250715061021_youth pic.jpg', 1, '2025-07-15 06:10:21', 'lmvsgJlwcxxEvNU3hyTPff9PrtR76NTVZxFlXUFkV99Jwy5uOfh9AcK');
INSERT INTO `blog_posts` (`blog_id`, `blog_category`, `blog_title`, `blog_content`, `posted_by`, `post_thumb`, `post_image`, `status`, `date_posted`, `post_link`) VALUES
(36, '9', 'One on One Interview with General Manager of UCS SACCO - On Why Strategy, Technology, and Youth Inclusion will Decide who Survives Tomorrow', '<p style=\"text-align: justify;\">In today’s fast-changing landscape of finance and community development, SACCOs across Malawi stand at a defining crossroads. The pressing need to remain relevant in an era dominated by digital innovation, shifting member expectations, and increased competition keeps on taking centre stage in all SACCO leaders gathering. Mr. Francis Waliwa general Manager of the United Civil Servants SACCO has shed more light on what tomorrow\'s survival means for SACCOs. </p>\r\n<p style=\"text-align: justify;\">Note:\r\n  <strong>DD</strong> refers Daniel Imfa and <strong>FW</strong> refers to Mr. Francis Waliwa </p>\r\n<p style=\"text-align: justify;\"><strong>DI: </strong>How do you personally define innovation in the context of SACCO business?</p>\r\n<p style=\"text-align: justify;\"><strong>FW:</strong> Innovation isn’t just about technology—it’s about transformation. I’d define it as: “The intentional introduction of new ideas, processes, or tools that improve member value, operational efficiency, governance transparency, and long-term sustainability.” </p>\r\n<p style=\"text-align: justify;\">Innovation, in this sense, is not a luxury—it’s a strategic necessity. It helps SACCOs stay relevant, resilient, and responsive in a rapidly changing financial landscape.</p>\r\n<p style=\"text-align: justify;\"><strong>DI:</strong> Do you believe SACCOs are naturally innovative—or do they need a mindset shift to embrace it?</p>\r\n<p style=\"text-align: justify;\"><strong>FW:</strong> SACCOs have the potential to be innovative, but they’re not always naturally inclined toward it. Their DNA is rooted in trust, tradition, and member-driven values—which are strengths—but these can sometimes lead to risk aversion and resistance to change.</p>\r\n<p style=\"text-align: justify;\"><strong>DI:</strong> How can SACCOs effectively evolve from reactive compliance to proactive innovation.</p>\r\n<p style=\"text-align: justify;\"><strong>FW:</strong> In a world where disruption is the new normal, survival is no longer guaranteed by legacy, size, or even profitability. The SACCOs that will thrive tomorrow are those that are embracing the three non-negotiable pillars today: strategy, technology, and youth inclusion, SACCOs should start recognizing the Trap of Reactive Compliance what I mean is a leader needs to keep an eye on the following symptoms in his/her institution: Waiting for audits, reacting to regulatory changes, minimal member engagement which carries: Stagnation, member attrition, vulnerability to fintech disruption risks - These are bad omens and needs to be uprooted as road blocks immediately. Any SACCO leader should always remember that “Compliance keeps one legal but Innovation keeps one alive.” As SACCOs we need to embed Innovation into Strategic Planning, Shifting from the usual static 3-5-year plans to dynamic strategy cycles with quarterly innovation reviews, include KPI’s for digital adoption, youth engagement, and member&nbsp;<strong>satisfaction</strong> - not just financial ratios again leveraging on Data for Predictive Decision-Making is now key, the financial land scape is demanding us leaders to move beyond basic reporting to data analytics that forecast member needs, credit risk, and service gaps. Ignore strategic partnerships with Fintechs at your own peril, SACCOs should collaborate more with mobile money platforms, digital ID providers, and financial literacy apps who can help in co-creating solutions like digital on-boarding, AI-powered loan scoring, and chat-bot support and lastly by making youth inclusion a design principle - don’t just invite youth —design with them. Include them in product testing, feedback loops, and governance \" As leaders we should remember that youth are not just users—they’re co-creators of the SACCOs future.</p>\r\n<p style=\"text-align: justify;\"><strong>DI:</strong> How can SACCOs align strategy, tech, and youth inclusion properly without losing legacy members?</p>\r\n<p style=\"text-align: justify;\"><strong>FW:</strong> This is where a good leader must have foresight, much like a giraffe, which can see far into the distance. You will agree with me that while legacy members often represent the backbone of trust and stability, but the youth and tech are bow represent the future. SACCOs strategies must now connect emotionally, culturally, and digitally with members’ aspirations.\r\n</p>\r\n<p style=\"text-align: justify;\">For SACCOs, this means aligning governance with member journeys—embedding financial literacy, community-rooted innovation, and inclusive decision-making into the strategic DNA. </p>\r\n<p style=\"text-align: justify;\">Malawi’s youth population is surging, with over 70% under the age of 30. Yet many financial institutions still design products for yesterday’s member. Youth inclusion isn’t just about outreach—it’s about co-creation.</p>\r\n<p style=\"text-align: justify;\"><strong>DI: </strong>Why digital platforms are now the backbone of member engagement in SACCOs?</p>\r\n<p style=\"text-align: justify;\"><strong>FW:</strong> I believe digital transformation is no longer a luxury—it’s the engine of trust, speed, and scale. From core banking upgrades to mobile on-boarding and e-statements, technology must be embedded across the member lifecycle. But tech alone isn’t enough—it must be paired with data governance, cybersecurity, and member education.</p>\r\n<p style=\"text-align: justify;\">Initiatives like Generation17 and the UN Youth Strategy show how young leaders are using technology to drive social change and financial inclusion. SACCOs must tap into this energy—by recruiting youth to boards, designing youth-led savings products, and integrating digital literacy into outreach programs</p>\r\n<p style=\"text-align: justify;\"><b>DI:</b> What’s one innovation you believe every SACCO should adopt in the next 12 months?</p>\r\n<p style=\"text-align: justify;\"><b>FW:</b> If I had to champion just one innovation for SACCOs in the next 12 months, it would be: Mobile-first member on-boarding and loan servicing—fully integrated with e-KYC, automated scoring, and local language support.\r\n</p>\r\n<p style=\"text-align: justify;\"><b>DI:</b> Why Mobile-First On-boarding Is a Game-Changer?</p>\r\n<p style=\"text-align: justify;\"><b>FW:</b> Accessibility: Most SACCO members already use mobile phones. Bringing on-boarding, savings, and loan applications to their fingertips removes barriers—especially for youth and rural communities.</p>\r\n<p style=\"text-align: justify;\">Speed &amp; Efficiency: Digital on-boarding with e-KYC (electronic Know Your Customer) reduces paperwork, queues, and manual errors.</p>\r\n<p style=\"text-align: justify;\">Trust &amp; Transparency: Members can track loan status, repayment schedules, and savings growth in real time—building confidence in SACCO governance.</p>\r\n<p style=\"text-align: justify;\">Inclusivity: Local language interfaces (like Chichewa) ensure that even low-literacy members can engage meaningfully.</p>\r\n<p style=\"text-align: justify;\">DI: In your opinion what are the five (5) Questions Every SACCO CEO Should Be Asking Today off course not in any order of importance</p>\r\n<p style=\"text-align: justify;\"><strong>FW:</strong> mmmmmmh that\'s a difficult one Daniel, anyway I would like to leave my readers and the audience with the following critical questions:\r\n</p>\r\n<ol>\r\n  <li style=\"text-align: justify;\">Is Our Strategy Future-Proof or Just Regulatory-Compliant? - Are we merely ticking boxes for compliance, or are we actively shaping a vision that attracts younger, digital-first members. Does our strategic plan include innovation, member emotional engagement, and resilience against fintech competition?\r\n  </li>\r\n  <li style=\"text-align: justify;\">Is Our Technology an Enabler or a Bottleneck? - Are our systems mobile-friendly, secure, and integrated with member needs? - Can we onboard new members digitally, issue e-statements, and automate loan processing?</li>\r\n  <li style=\"text-align: justify;\">Are We Truly Including Youth—Or Just Talking About It? - Do we have youth representation on our board or supervisory committees? Are we co-creating financial literacy tools, savings products, or digital campaigns with youth voices?</li>\r\n  <li style=\"text-align: justify;\">Do We Know What Our Real Priorities Are? - Are we focused on what matters most—member trust, liquidity, and long-term sustainability—or distracted by short-term fixes? Are our KPIs aligned with member impact, not just internal metrics?</li>\r\n  <li style=\"text-align: justify;\">Where Are Our Hidden Roadblocks? - What’s quietly undermining our growth—manual processes, poor data, weak governance, or lack of feedback loops? Are we listening to front line staff, auditors, and members to identify friction points?</li>\r\n</ol>\r\n<p style=\"text-align: justify;\"><b>DI:</b> Thank you Francis for your time any last words to your fellow Managers</p>\r\n<p style=\"text-align: justify;\"><b>FW:</b> In conclusion let me say this to my fellow SACCO Managers “Great leaders aren’t just visionaries—they’re roadblock removers” and the truth pains but it’s a reality “If SACCOs don’t evolve, SACCOs will dissolve. Our members deserve more than tradition — they deserve transformation.” Let’s contribute in making Future-Proofing SACCOs by having better strategies, being innovative and including the youth in the design and testing of our financial products.</p>\r\n<p><br /></p>', 27, '250829055222_Waliwa 5.jpg', '250829055222_Waliwa 5.jpg', 0, '2025-08-29 05:52:22', 'hpbQUjT45'),
(45, '', 'Leadership Qualities and Actions that Matter in SACCOs', '<div>In the evolving landscape of SACCO business, the role of SACCO leaders has never been more pivotal. As Savings and Credit Cooperative Societies (SACCOs) strive to modernize operations, deepen member trust, and expand financial inclusion, leadership is emerging as the cornerstone of sustainable impact. Chief Executive Officer of MUSCCO a national association of SACCOs in Malawi – Fumbani Nyangulu – ICUDE, ADE, DE shares some insights into effective leadership qualities and actions that matter in financial Cooperatives Societies.&nbsp; The Malawian SACCOs boss indicates that the SACCOs play a vital role in promoting financial inclusion and economic stability in many communities and societies. To steer these organizations toward success and sustainability, effective leadership is paramount. An effective SACCO leader possesses a unique set of qualities and takes specific actions to address common challenges. While the acronym SACCO traditionally refers to a Savings and Credit Cooperative Society, Fumbani has placed fresh emphasis on the term SACCO Leader—not merely as a title, but as a benchmark for transformative leadership within cooperative business.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>By invoking the phrase SACCO Leader, the author underscores the critical qualities and decisive actions that define effective leadership in the sector. The term serves as a rallying point for governance excellence, member empowerment, and strategic foresight—traits increasingly vital as SACCOs navigate digital transformation and regulatory shifts.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>SACCO</div>\r\n<div>LEADER</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>S is for Strategic Vision: - A SACCO leader must anticipate market trends, regulatory shifts, and customer needs. They set a clear direction that aligns with both institutional goals and industry realities. The leader must&nbsp;</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>A represent asset quality: SACCO leaders must remain vigilant regarding credit quality. There’s still no quicker way for a SACCO to falter than to suffer from a spate of bad loans. Regulators continue to focus on credit culture, policies and procedures as well.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>C represents capital: As everyone knows, this is the most critical ingredient that SACCOs need today to survive and drive growth, whether organic or transactional. A lack of ample capital not only constrains strategic plans, but too often invites a call from your regulator.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>C represents Courageous - As a leader not always things will go according to plan deviations is part of life, taking bold decision in uncertain times is necessary for salvaging bad trajectories.&nbsp;</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>O Represents Optimistic, Open Minded - A leader should be the one that welcomes diverse ideas and feedback besides inspiring hope and confidence in the team</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>&nbsp;L stands for leadership: While great leadership remains an obvious prerequisite for success, the demands on SACCO leaders today are more strenuous and complex than at any time since after becoming regulated entities by Registrar of financial Institutions - Reserve Bank of Malawi (RBM). Many SACCO boards struggle with the challenges of succession and developing that vital next generation.&nbsp;</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>E stands for emotional intelligence: This is the critical aspect of leadership in which you communicate effectively as a leader, leading from the front rather than the rear, and following a “servant leader” mindset. The emotionally intelligent leader knows that the SACCOs success is not about him/her, but rather the people on his/her team. When the team is successful, the leader succeeds as well.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>A represents authenticity: One of our favourite leadership attributes, authenticity occurs in the leader who means what she says, and does what she says she will do. It’s the ability to create “follower-ship” through actions and a genuine approach to dealing with a SACCO\'s varying members.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>D is for digital savvy: Today’s SACCOs need an approach to the digital world that is timely, relevant and real. Whether you like it or not, the technologies that are revolutionizing financial institutions today are not just impacting the industry’s back office, but have become a vital channel for growth. SACCOs must play offense here, not defense. Effective leaders encourage innovation and new product development to meet changing member needs. This may involve introducing digital banking solutions or expanding the SACCOs service offerings</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>E represents the Empathy and Member Centric approach: SACCO CEOs and directors regularly praise their employees for good work and great service. While these qualities are the foundation upon which our SACCOs are built, they are simply not enough anymore. If your SACCO is going to win against the competition, leaders must empathize with the needs of their members and prioritize their interests. They work to create products and services that address members’ financial goals and challenges.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>R, of course, stands for regulatory compliance: In the current climate, the ability of SACCO leaders to forge a constructive working relationship with their regulators is vital. SACCOs that take a combative tone with their examiners usually end up on the wrong side of their exam. While the regulatory climate may have overreached, it is what it is. High-performing SACCO leaders figure out how to operate successfully under this dynamic, and forge positive regulatory partnerships. Staying updated with regulations and ensuring compliance is essential to avoid legal issues. Effective leaders work closely with regulatory bodies to ensure the SACCO operates within the law</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>Additionally, in order to take their SACCOs to greater heights, SACCO leaders must be able to perform some specific tasks that help propel their societies to success.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div>To begin with, Strategic Planning: An effective leader engages in strategic planning to set clear objectives, allocate resources efficiently, and adapt to changing market conditions. This ensures the SACCOs long-term success.</div>\r\n<div><br /></div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div>Secondly, Risk Management: Identifying and mitigating risks is a vital responsibility of a SACCO leader. Effective leaders implement risk management policies and measures to protect the financial stability of the organization.</div>\r\n<div><br /></div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div>Thirdly, Member Education: Leaders should prioritize member education to improve financial literacy and empower members to make informed financial decisions. Workshops, seminars, and informational campaigns can be employed for this purpose.</div>\r\n<div><br /></div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div>Fourthly, Conflict Resolution: Conflicts may arise within SACCOs, and an effective leader must be skilled in conflict resolution. Mediating disputes and fostering a harmonious environment are crucial for the SACCOs well-being.</div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div><br /></div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div>Lastly, Financial Transparency: Transparency in financial reporting builds trust. Effective leaders ensure that members have access to clear and easily understandable financial statements, so they know how their money is being managed.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>Conclusion&nbsp;</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>This re-framing signals a broader movement toward professionalizing cooperative leadership, where titles are earned through impact, not just inherited through position. Effective SACCO leaders possess qualities like vision, integrity, and empathy, and they take actions such as strategic planning, risk management, and member education to address common challenges. To be an effective SACCO leader, one must not only lead but also inspire, serve, and innovate for the betterment of the SACCO and its members. As a SACCO member aspiring to take a leadership role, you must continually hone these skills. Cooperative Development Institution (CDI) offers certification courses to help you develop the essential competencies required for SACCO leadership roles. Consider taking up one of our courses to advance your career in SACCO leadership and management. Remember, continuous learning is key!!</div>\r\n<p><br /></p>', 28, '250901095739_8777.jpg', '250901095739_big..jpg', 0, '2025-09-01 21:57:39', 'Bawx6EftImTxcBJv9cPU17py5l8BtDD4bc4cE5ypYwSA8P'),
(48, '9', 'One on One Interview with General Manager of UCS SACCO - On Why Strategy, Technology, and Youth Inclusion will Decide who Survives Tomorrow', '<p style=\"text-align: justify;\">In today’s fast-changing landscape of finance and community development, SACCOs across Malawi stand at a defining crossroads. The pressing need to remain relevant in an era dominated by digital innovation, shifting member expectations, and increased competition keeps on taking centre stage in all SACCO leaders gathering. Mr. Francis Waliwa general Manager of the United Civil Servants SACCO has shed more light on what tomorrow\'s survival means for SACCOs. </p>\r\n<p style=\"text-align: justify;\">Note:\r\n  <strong>DD</strong> refers Daniel Imfa and <strong>FW</strong> refers to Mr. Francis Waliwa </p>\r\n<p style=\"text-align: justify;\"><strong>DI: </strong>How do you personally define innovation in the context of SACCO business?</p>\r\n<p style=\"text-align: justify;\"><strong>FW:</strong> Innovation isn’t just about technology—it’s about transformation. I’d define it as: “The intentional introduction of new ideas, processes, or tools that improve member value, operational efficiency, governance transparency, and long-term sustainability.” </p>\r\n<p style=\"text-align: justify;\">Innovation, in this sense, is not a luxury—it’s a strategic necessity. It helps SACCOs stay relevant, resilient, and responsive in a rapidly changing financial landscape.</p>\r\n<p style=\"text-align: justify;\"><strong>DI:</strong> Do you believe SACCOs are naturally innovative—or do they need a mindset shift to embrace it?</p>\r\n<p style=\"text-align: justify;\"><strong>FW:</strong> SACCOs have the potential to be innovative, but they’re not always naturally inclined toward it. Their DNA is rooted in trust, tradition, and member-driven values—which are strengths—but these can sometimes lead to risk aversion and resistance to change.</p>\r\n<p style=\"text-align: justify;\"><strong>DI:</strong> How can SACCOs effectively evolve from reactive compliance to proactive innovation.</p>\r\n<p style=\"text-align: justify;\"><strong>FW:</strong> In a world where disruption is the new normal, survival is no longer guaranteed by legacy, size, or even profitability. The SACCOs that will thrive tomorrow are those that are embracing the three non-negotiable pillars today: strategy, technology, and youth inclusion, SACCOs should start recognizing the Trap of Reactive Compliance what I mean is a leader needs to keep an eye on the following symptoms in his/her institution: Waiting for audits, reacting to regulatory changes, minimal member engagement which carries: Stagnation, member attrition, vulnerability to fintech disruption risks - These are bad omens and needs to be uprooted as road blocks immediately. Any SACCO leader should always remember that “Compliance keeps one legal but Innovation keeps one alive.” As SACCOs we need to embed Innovation into Strategic Planning, Shifting from the usual static 3-5-year plans to dynamic strategy cycles with quarterly innovation reviews, include KPI’s for digital adoption, youth engagement, and member&nbsp;<strong>satisfaction</strong> - not just financial ratios again leveraging on Data for Predictive Decision-Making is now key, the financial land scape is demanding us leaders to move beyond basic reporting to data analytics that forecast member needs, credit risk, and service gaps. Ignore strategic partnerships with Fintechs at your own peril, SACCOs should collaborate more with mobile money platforms, digital ID providers, and financial literacy apps who can help in co-creating solutions like digital on-boarding, AI-powered loan scoring, and chat-bot support and lastly by making youth inclusion a design principle - don’t just invite youth —design with them. Include them in product testing, feedback loops, and governance \" As leaders we should remember that youth are not just users—they’re co-creators of the SACCOs future.</p>\r\n<p style=\"text-align: justify;\"><strong>DI:</strong> How can SACCOs align strategy, tech, and youth inclusion properly without losing legacy members?</p>\r\n<p style=\"text-align: justify;\"><strong>FW:</strong> This is where a good leader must have foresight, much like a giraffe, which can see far into the distance. You will agree with me that while legacy members often represent the backbone of trust and stability, but the youth and tech are bow represent the future. SACCOs strategies must now connect emotionally, culturally, and digitally with members’ aspirations.\r\n</p>\r\n<p style=\"text-align: justify;\">For SACCOs, this means aligning governance with member journeys—embedding financial literacy, community-rooted innovation, and inclusive decision-making into the strategic DNA. </p>\r\n<p style=\"text-align: justify;\">Malawi’s youth population is surging, with over 70% under the age of 30. Yet many financial institutions still design products for yesterday’s member. Youth inclusion isn’t just about outreach—it’s about co-creation.</p>\r\n<p style=\"text-align: justify;\"><strong>DI: </strong>Why digital platforms are now the backbone of member engagement in SACCOs?</p>\r\n<p style=\"text-align: justify;\"><strong>FW:</strong> I believe digital transformation is no longer a luxury—it’s the engine of trust, speed, and scale. From core banking upgrades to mobile on-boarding and e-statements, technology must be embedded across the member lifecycle. But tech alone isn’t enough—it must be paired with data governance, cybersecurity, and member education.</p>\r\n<p style=\"text-align: justify;\">Initiatives like Generation17 and the UN Youth Strategy show how young leaders are using technology to drive social change and financial inclusion. SACCOs must tap into this energy—by recruiting youth to boards, designing youth-led savings products, and integrating digital literacy into outreach programs</p>\r\n<p style=\"text-align: justify;\"><b>DI:</b> What’s one innovation you believe every SACCO should adopt in the next 12 months?</p>\r\n<p style=\"text-align: justify;\"><b>FW:</b> If I had to champion just one innovation for SACCOs in the next 12 months, it would be: Mobile-first member on-boarding and loan servicing—fully integrated with e-KYC, automated scoring, and local language support.\r\n</p>\r\n<p style=\"text-align: justify;\"><b>DI:</b> Why Mobile-First On-boarding Is a Game-Changer?</p>\r\n<p style=\"text-align: justify;\"><b>FW:</b> Accessibility: Most SACCO members already use mobile phones. Bringing on-boarding, savings, and loan applications to their fingertips removes barriers—especially for youth and rural communities.</p>\r\n<p style=\"text-align: justify;\">Speed &amp; Efficiency: Digital on-boarding with e-KYC (electronic Know Your Customer) reduces paperwork, queues, and manual errors.</p>\r\n<p style=\"text-align: justify;\">Trust &amp; Transparency: Members can track loan status, repayment schedules, and savings growth in real time—building confidence in SACCO governance.</p>\r\n<p style=\"text-align: justify;\">Inclusivity: Local language interfaces (like Chichewa) ensure that even low-literacy members can engage meaningfully.</p>\r\n<p style=\"text-align: justify;\">DI: In your opinion what are the five (5) Questions Every SACCO CEO Should Be Asking Today off course not in any order of importance</p>\r\n<p style=\"text-align: justify;\"><strong>FW:</strong> mmmmmmh that\'s a difficult one Daniel, anyway I would like to leave my readers and the audience with the following critical questions:\r\n</p>\r\n<ol>\r\n  <li style=\"text-align: justify;\">Is Our Strategy Future-Proof or Just Regulatory-Compliant? - Are we merely ticking boxes for compliance, or are we actively shaping a vision that attracts younger, digital-first members. Does our strategic plan include innovation, member emotional engagement, and resilience against fintech competition?\r\n  </li>\r\n  <li style=\"text-align: justify;\">Is Our Technology an Enabler or a Bottleneck? - Are our systems mobile-friendly, secure, and integrated with member needs? - Can we onboard new members digitally, issue e-statements, and automate loan processing?</li>\r\n  <li style=\"text-align: justify;\">Are We Truly Including Youth—Or Just Talking About It? - Do we have youth representation on our board or supervisory committees? Are we co-creating financial literacy tools, savings products, or digital campaigns with youth voices?</li>\r\n  <li style=\"text-align: justify;\">Do We Know What Our Real Priorities Are? - Are we focused on what matters most—member trust, liquidity, and long-term sustainability—or distracted by short-term fixes? Are our KPIs aligned with member impact, not just internal metrics?</li>\r\n  <li style=\"text-align: justify;\">Where Are Our Hidden Roadblocks? - What’s quietly undermining our growth—manual processes, poor data, weak governance, or lack of feedback loops? Are we listening to front line staff, auditors, and members to identify friction points?</li>\r\n</ol>\r\n<p style=\"text-align: justify;\"><b>DI:</b> Thank you Francis for your time any last words to your fellow Managers</p>\r\n<p style=\"text-align: justify;\"><b>FW:</b> In conclusion let me say this to my fellow SACCO Managers “Great leaders aren’t just visionaries—they’re roadblock removers” and the truth pains but it’s a reality “If SACCOs don’t evolve, SACCOs will dissolve. Our members deserve more than tradition — they deserve transformation.” Let’s contribute in making Future-Proofing SACCOs by having better strategies, being innovative and including the youth in the design and testing of our financial products.</p>\r\n\r\n<p><br /></p>', 28, '250901101449_250829055222_Waliwa 5 (2).jpg', '250901101449_qwerty.jpg.jpg', 1, '2025-09-01 22:14:49', 'VlCnTqiETiX77cCOSAl7fHCyYjKMTanXMPXzqQ2ZpOZBnd4v1HQo7r708pta'),
(49, '11', 'Leadership Qualities and Actions that Matter in SACCOs', '<div>In the evolving landscape of SACCO business, the role of SACCO leaders has never been more pivotal. As Savings and Credit Cooperative Societies (SACCOs) strive to modernize operations, deepen member trust, and expand financial inclusion, leadership is emerging as the cornerstone of sustainable impact. Chief Executive Officer of MUSCCO a national association of SACCOs in Malawi – Fumbani Nyangulu – ICUDE, ADE, DE shares some insights into effective leadership qualities and actions that matter in financial Cooperatives Societies.&nbsp; The Malawian SACCOs boss indicates that the SACCOs play a vital role in promoting financial inclusion and economic stability in many communities and societies. To steer these organizations toward success and sustainability, effective leadership is paramount. An effective SACCO leader possesses a unique set of qualities and takes specific actions to address common challenges. While the acronym SACCO traditionally refers to a Savings and Credit Cooperative Society, Fumbani has placed fresh emphasis on the term SACCO Leader—not merely as a title, but as a benchmark for transformative leadership within cooperative business.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>By invoking the phrase SACCO Leader, the author underscores the critical qualities and decisive actions that define effective leadership in the sector. The term serves as a rallying point for governance excellence, member empowerment, and strategic foresight—traits increasingly vital as SACCOs navigate digital transformation and regulatory shifts.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>SACCO</div>\r\n<div>LEADER</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>S is for Strategic Vision: - A SACCO leader must anticipate market trends, regulatory shifts, and customer needs. They set a clear direction that aligns with both institutional goals and industry realities. The leader must&nbsp;</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>A represent asset quality: SACCO leaders must remain vigilant regarding credit quality. There’s still no quicker way for a SACCO to falter than to suffer from a spate of bad loans. Regulators continue to focus on credit culture, policies and procedures as well.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>C represents capital: As everyone knows, this is the most critical ingredient that SACCOs need today to survive and drive growth, whether organic or transactional. A lack of ample capital not only constrains strategic plans, but too often invites a call from your regulator.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>C represents Courageous - As a leader not always things will go according to plan deviations is part of life, taking bold decision in uncertain times is necessary for salvaging bad trajectories.&nbsp;</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>O Represents Optimistic, Open Minded - A leader should be the one that welcomes diverse ideas and feedback besides inspiring hope and confidence in the team</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>&nbsp;L stands for leadership: While great leadership remains an obvious prerequisite for success, the demands on SACCO leaders today are more strenuous and complex than at any time since after becoming regulated entities by Registrar of financial Institutions - Reserve Bank of Malawi (RBM). Many SACCO boards struggle with the challenges of succession and developing that vital next generation.&nbsp;</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>E stands for emotional intelligence: This is the critical aspect of leadership in which you communicate effectively as a leader, leading from the front rather than the rear, and following a “servant leader” mindset. The emotionally intelligent leader knows that the SACCOs success is not about him/her, but rather the people on his/her team. When the team is successful, the leader succeeds as well.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>A represents authenticity: One of our favourite leadership attributes, authenticity occurs in the leader who means what she says, and does what she says she will do. It’s the ability to create “follower-ship” through actions and a genuine approach to dealing with a SACCO\'s varying members.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>D is for digital savvy: Today’s SACCOs need an approach to the digital world that is timely, relevant and real. Whether you like it or not, the technologies that are revolutionizing financial institutions today are not just impacting the industry’s back office, but have become a vital channel for growth. SACCOs must play offense here, not defense. Effective leaders encourage innovation and new product development to meet changing member needs. This may involve introducing digital banking solutions or expanding the SACCOs service offerings</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>E represents the Empathy and Member Centric approach: SACCO CEOs and directors regularly praise their employees for good work and great service. While these qualities are the foundation upon which our SACCOs are built, they are simply not enough anymore. If your SACCO is going to win against the competition, leaders must empathize with the needs of their members and prioritize their interests. They work to create products and services that address members’ financial goals and challenges.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>R, of course, stands for regulatory compliance: In the current climate, the ability of SACCO leaders to forge a constructive working relationship with their regulators is vital. SACCOs that take a combative tone with their examiners usually end up on the wrong side of their exam. While the regulatory climate may have overreached, it is what it is. High-performing SACCO leaders figure out how to operate successfully under this dynamic, and forge positive regulatory partnerships. Staying updated with regulations and ensuring compliance is essential to avoid legal issues. Effective leaders work closely with regulatory bodies to ensure the SACCO operates within the law</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>Additionally, in order to take their SACCOs to greater heights, SACCO leaders must be able to perform some specific tasks that help propel their societies to success.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div>To begin with, Strategic Planning: An effective leader engages in strategic planning to set clear objectives, allocate resources efficiently, and adapt to changing market conditions. This ensures the SACCOs long-term success.</div>\r\n<div><br /></div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div>Secondly, Risk Management: Identifying and mitigating risks is a vital responsibility of a SACCO leader. Effective leaders implement risk management policies and measures to protect the financial stability of the organization.</div>\r\n<div><br /></div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div>Thirdly, Member Education: Leaders should prioritize member education to improve financial literacy and empower members to make informed financial decisions. Workshops, seminars, and informational campaigns can be employed for this purpose.</div>\r\n<div><br /></div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div>Fourthly, Conflict Resolution: Conflicts may arise within SACCOs, and an effective leader must be skilled in conflict resolution. Mediating disputes and fostering a harmonious environment are crucial for the SACCOs well-being.</div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div><br /></div>\r\n<div>&nbsp;&nbsp;</div>\r\n<div>Lastly, Financial Transparency: Transparency in financial reporting builds trust. Effective leaders ensure that members have access to clear and easily understandable financial statements, so they know how their money is being managed.</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>Conclusion&nbsp;</div>\r\n<div><br /></div>\r\n<div><br /></div>\r\n<div>This re-framing signals a broader movement toward professionalizing cooperative leadership, where titles are earned through impact, not just inherited through position. Effective SACCO leaders possess qualities like vision, integrity, and empathy, and they take actions such as strategic planning, risk management, and member education to address common challenges. To be an effective SACCO leader, one must not only lead but also inspire, serve, and innovate for the betterment of the SACCO and its members. As a SACCO member aspiring to take a leadership role, you must continually hone these skills. Cooperative Development Institution (CDI) offers certification courses to help you develop the essential competencies required for SACCO leadership roles. Consider taking up one of our courses to advance your career in SACCO leadership and management. Remember, continuous learning is key!!</div>\r\n\r\n<p><br /></p>', 28, '250901102413_8777.jpg', '250901102413_rttt.jpg', 1, '2025-09-01 22:24:13', 'tO0Dqr4EsF6ol3uqPnQ6AydPzs772Ir7lstIt7'),
(51, '11', 'Organisational Culture: The Hidden Driver of SACCO Performance and Employee Satisfaction - By Leroy Dickson Banda', '<p style=\"text-align: justify;\"><strong>Organizational culture</strong> is emerging as a critical lever for performance, satisfaction, and strategic alignment within Malawi’s SACCO sector. According to the Head of Cooperatives Development at MUSCCO, culture is best understood as “a system of shared meanings and common beliefs held by organizational members that determines, in a large degree, how they act towards each other.”</p>\r\n\r\n<p style=\"text-align: justify;\">For culture to truly exist within an organization: It must be shared by the vast majority of members, transmitted across generations, shaping behavior and perceptions and it should be visible in daily interactions, decision-making, and problem-solving.\r\n</p>\r\n<p style=\"text-align: justify;\">\r\n  On the relationship between culture and employees Banda hinted that organizational culture is not just a backdrop—it’s a dynamic force that: Shapes employee identity, influencing how staff relate to their work and each other, is co-created by employees, who both reflect and reshape the culture through their actions and Impacts motivation, engagement, and retention, especially when aligned with shared values.\r\n\r\n</p>\r\n<p style=\"text-align: justify;\">Banda allude to the fact that culture Influences Organizational Outcomes, he emphasizes that a strong culture manifests in: How the organization treats employees, customers, and the community, the level of autonomy and freedom in decision-making and innovation, the flow of power and information across the hierarchy and the depth of employee commitment to collective goals.\r\n</p>\r\n<p style=\"text-align: justify;\">\r\n  To cultivate a resilient and performance-driven culture, SACCOs must: Promote a common behavioral style across managers and staff, align on problem-solving approaches, stakeholder engagement, and goal-setting, establish shared norms that guide rewards, discipline, and recognition and recognize that a strong culture fosters stability, which in turn supports strategic success.\r\n\r\n</p>\r\n<p style=\"text-align: justify;\">In conclusion, while applauding culture’s role in driving business results, MUSCCO’s Head of Cooperatives Development cautions SACCO leaders: “It only takes a cultural audit to differentiate which elements of the culture lead to superior performance.” This underscores the need for intentional reflection, measurement, and adaptation of cultural practices. If your culture is stuck in compliance, you will not win in the age of flexible, purpose-driven work</p>\r\n<p><br /></p>', 27, '250912110627_LB 1.jpg', '250912110627_LB 1.jpg', 1, '2025-09-12 11:06:27', '1Tc5po8OEKG9q7TG3y0HcdduV130c9kOAjf1UJzENTOC6P3U'),
(52, '9', 'New SACCO Office Opens to Empower Financial Inclusion in Kanengo, Lilongwe', '<p style=\"text-align: justify;\">In a major step toward expanding financial access and cooperative development, Limbe Leaf SACCO has officially launched its new office in Kanengo, AHL Business Complex today. The opening ceremony was attended by local dignitaries, SACCO board members, and enthusiastic members, marking a milestone in the SACCO’s journey toward modernization and member-driven growth.</p>\r\n<p style=\"text-align: justify;\">The new facility is designed to enhance service delivery, improve member experience, and support the SACCO’s digital transformation agenda. Equipped with modern banking infrastructure, secure data systems, and a member education center, the office reflects the SACCO’s commitment to transparency, accessibility, and financial literacy.\r\n</p>\r\n<p style=\"text-align: justify;\">“We are proud to open this new chapter in our cooperative’s history,” said <strong>Alex Mtungama,\r\nChairperson of Limbe Leaf SACCO</strong>. “This office is more than bricks and mortar—it’s a symbol of trust, resilience, and the power of collective savings.”\r\n</p>\r\n<p style=\"text-align: justify;\"><strong>Mr. Evans,\r\nManaging Director of Limbe Leaf Tobacco Company</strong>, described the launch of the new SACCO office as a powerful symbol of progress and a continued commitment to sustainable growth. He emphasized the SACCO’s pivotal role in advancing financial inclusion and fostering a culture of savings within the Limbe Leaf community.</p>\r\n<p style=\"text-align: justify;\">“This development reflects more than infrastructure—it represents a deepening of our shared commitment to economic empowerment,” <b>Mr. Evans</b> remarked. “By enhancing access to savings and financial services, the SACCO is contributing meaningfully to the financial well-being of its members and the broader community.”</p>\r\n<p style=\"text-align: justify;\">He commended the SACCO’s Board and Management for their dedication and strategic leadership, noting that such milestones position the SACCO as a central pillar in driving financial empowerment and community development. “We are proud to support this journey,” he added. “It is our hope that this new office will serve as a catalyst for continued prosperity, surplus generation, and inclusive growth.”</p>\r\n<p style=\"text-align: justify;\">Speaking on behalf of the MUSCCO Chief Executive Officer, <b>Mr. Kingsley Mulewa, Head of Finance and Administration</b> at MUSCCO, commended Limbe Leaf SACCO for this significant development, describing it as a clear reflection of the SACCO’s financial resilience and strategic foresight.</p>\r\n<p style=\"text-align: justify;\">“This milestone aligns seamlessly with the SACCO’s strategic plan and demonstrates commendable leadership from both the Board and Management,” Mulewa stated. “At MUSCCO, we take pride in witnessing such progress among our affiliated SACCOs. The launch of this new office is not only a testament to Limbe Leaf SACCO’s growth, but also a positive signal for the cooperative movement as a whole.”</p>\r\n<p style=\"text-align: justify;\">He further extended appreciation to Limbe Leaf Tobacco Company for its continued support, noting that such partnerships are instrumental in strengthening SACCO sustainability. “We are confident that this new facility will contribute to the SACCO’s long-term prosperity and enhanced surplus generation,” he added.</p>\r\n<p style=\"text-align: justify;\">With over 2220 members, Assets base of MK1.8 Billion, Savings of MK1.2 Billion and growing, Limbe Leaf SACCO continues to play a vital role in promoting savings culture, responsible lending, and cooperative values across the region.</p>\r\n<p style=\"text-align: justify;\">&nbsp;</p>\r\n\r\n\r\n\r\n<p style=\"text-align: justify;\"><br /></p>\r\n<p style=\"text-align: justify;\"><br /></p>', 28, '251001022453_Limbe leaf 2.jpg', '251001022453_Limbe Leaf o.jpg', 1, '2025-10-01 14:24:53', 'Q45C4FXzp68Go3r'),
(53, '5', 'SACCOs Sister Society Chapter 2 Donates Food and School Supplies to Chikondi Orphanage in Kawale Lilongwe.', '<p style=\"text-align: justify;\">In a heartwarming act of generosity, the Malawi SACCO Sister Society Chapter 2 has extended vital support to <b>Chikondi\r\nOrphanage</b>, reaffirming its commitment to the welfare of vulnerable children in Malawi.</p>\r\n<p style=\"text-align: justify;\">The donation, valued at\r\n  <b>MK1.5 million</b>, included maize, beans, rice, soya pieces, sugar, salt, and school materials such as exercise books. The contribution was handed over to Chikondi Orphanage, located in Kawale, Lilongwe.</p>\r\n<p style=\"text-align: justify;\">Speaking during the presentation, the Society’s Chairperson, <b>Mphatso</b>, underscored the organization’s commitment to addressing food insecurity and enhancing access to education for children in need.</p>\r\n<p style=\"text-align: justify;\"><i>“As a Society, we\r\nbelieve in uplifting our communities. Supporting Chikondi Orphanage is a way of\r\nensuring that these children have access to food and education, which are the\r\nfoundation of a brighter future,”</i> said Mphatso.</p>\r\n<p style=\"text-align: justify;\">Based in Kawale, Lilongwe, <b>Chikondi\r\nOrphanage</b> provides food, shelter, medical care, and education to orphaned children. The centre currently supports <b>30 resident children</b> and extends outreach to additional children in Kawale and parts of Chilinde. Guided by a vision of building a <b>self-sustaining eco-community</b>, Chikondi Orphanage aims to empower children for long-term independence and community development.</p>\r\n\r\n\r\n\r\n<p><br /></p>', 28, '251006052029_Chisomo orphanage1.jpg', '251006052029_Chisomo orphanage2.jpg', 1, '2025-10-06 05:20:29', 'P93MrFOz5VFGg5qEEoXeS0Z95VRTSzp8pe58hszwMeJ62Oq6K');
INSERT INTO `blog_posts` (`blog_id`, `blog_category`, `blog_title`, `blog_content`, `posted_by`, `post_thumb`, `post_image`, `status`, `date_posted`, `post_link`) VALUES
(54, '11', 'SACCO Young Professionals Forge Pathways for Change - Salima, Malawi — October, 2025', '<p style=\"text-align: justify;\"><strong>Against</strong> the serene backdrop of Lake Malawi, over 60 vibrant SACCO youth practitioners convened at Kambiri Beach Resort from October 23 to 25 for a transformative gathering themed “Youth Leadership in Motion: Creating Solutions that Drive Change.” </p>\r\n<p style=\"text-align: justify;\">The three-day event served as a dynamic platform for young professionals to reflect, strategize, and re-imagine their role in shaping the future of cooperative finance.</p>\r\n<p style=\"text-align: justify;\">The meeting brought together emerging leaders from SACCOs across Malawi, united by a shared commitment to innovation, financial inclusion, and youth empowerment. Through interactive plenaries, breakout sessions, and peer-led panels, participants explored the multifaceted challenges facing young professionals in the sector — from limited representation in decision-making bodies to constrained access to mentorship and capital.</p>\r\n<p style=\"text-align: justify;\"><strong>Key discussions centered on:</strong></p>\r\n<ul style=\"list-style-type: disc;\">\r\n  <li style=\"text-align: justify;\">Identifying systemic barriers that hinder youth participation and leadership within SACCO governance structures.</li>\r\n  <li style=\"text-align: justify;\">Proposing reforms to strengthen the Young Professionals body, including clearer mandates, regional coordination, and capacity-building programs.</li>\r\n  <li style=\"text-align: justify;\">Exploring wealth-building strategies, such as cooperative investment models, digital savings tools, and entrepreneurship support tailored for youth.</li>\r\n</ul>\r\n<p style=\"text-align: justify;\">The gathering culminated in a collective resolution to enhance youth visibility in SACCO policy forums, foster inter-generational dialogue, and champion financial literacy initiatives that resonate with young members.</p>\r\n<p style=\"text-align: justify;\">“This meeting was more than a retreat — it was a call to action,” said one participant. “We are not just future leaders; we are present-day change makers.”</p>\r\n<p style=\"text-align: justify;\">Organizers hailed the event as a milestone in SACCO youth engagement, with follow-up activities planned to sustain momentum, including mentorship circles, innovation challenges, and regional youth caucuses.</p>\r\n<p style=\"text-align: justify;\">As the sun set over Salima, the energy of the young professionals remained palpable — a testament to their readiness to lead, disrupt, and build cooperative systems that reflect their aspirations.</p>\r\n<p><br /></p>', 28, '251112085938_Young profs 1.jpg', '251112085938_Young profs 2.jpg', 1, '2025-11-12 08:59:38', 'qyK2nkgo'),
(55, '9', 'UNC and KASO SACCOs Launches Automation Project to Enhance Member Service Delivery, Lilongwe, November 11, 2025', '<p style=\"text-align: justify;\"><strong>In a landmark</strong> move toward digital transformation, UNC and KASO SACCOs officially launched their joint automation project during a high-level kickoff meeting held at the UN SACCO premises boardroom on November 11, 2025. The event marked a strategic collaboration aimed at enhancing operational efficiency and delivering more convenient financial services to SACCO members.</p>\r\n<p style=\"text-align: justify;\">The meeting was graced by the executive committees of both SACCO boards, who emphasized the critical role of staff commitment in ensuring the project’s success. In their joint remarks, the leaders called on SACCO personnel to fully embrace the initiative, noting that its benefits — improved service delivery, streamlined operations, and member satisfaction — depend on active participation and ownership.</p>\r\n<p style=\"text-align: justify;\">Mr. Kuyeya, Technical Services Manager at MFIHUB Limited, outlined the project’s key deliverables, which include the implementation of a fully-fledged core banking system and the introduction of digital delivery channels via both USSD and internet banking platforms. These innovations are expected to significantly improve accessibility and responsiveness across SACCO operations.</p>\r\n<p style=\"text-align: justify;\">MUSCCO, the apex body for SACCOs in Malawi, is playing a pivotal role in the project by providing project management oversight. Their involvement is geared toward ensuring that the initiative is delivered on time, within budget, and in alignment with cooperative standards.</p>\r\n<p style=\"text-align: justify;\">The six-week project timeline includes critical activities such as data migration, staff training, system testing, go-live execution, and post-launch stabilization. These phases are designed to ensure a smooth transition and long-term sustainability of the new systems.</p>\r\n<p style=\"text-align: justify;\">The kickoff event concluded with a shared sense of purpose and optimism, as stakeholders reaffirmed their commitment to building SACCOs that are digitally empowered, member-focused, and future-ready.</p>\r\n<p><br /></p>', 28, '251112095321_Automation project 3.jpg', '251112095321_Automation project 2.jpg', 1, '2025-11-12 09:53:21', 'niVzeLJIXWVD2ggRp7vi6pwXC3Zjbu0K5B47TWjJ'),
(58, '11', 'Do Digital or Perish: The Future of SACCOs in Malawi - By Daniel Francis Imfa, MUSCCO ICT Manager', '<p>\r\n  <b>For more</b> than 45 years, Malawian Savings and Credit Cooperatives (SACCOs) have been a trusted provider of affordable financial services to their members. They have played a vital role in promoting financial inclusion, offering loans, savings, and other essential services to communities across the country. Yet, in today’s fast-paced digital economy, SACCOs are falling behind in the race against other financial services providers and Fin-Techs.</p>\r\n<p><b>The Digital Divide</b></p>\r\n<p>While some SACCOs have taken steps to modernize—adopting core banking platforms, chatbots, and mobile applications—the scale of investment remains far below that of competitors. A recent survey revealed that fewer than five percent of SACCOs in Malawi currently offer mobile banking apps. By contrast, the country’s leading commercial bank spends five times more on technology annually than the entire SACCO sector combined.</p>\r\n<p>This disparity highlights the urgent need for SACCOs to rethink their digital strategies. Limited budgets, a shortage of skilled talent, and the challenge of balancing day-to-day operations with transformation initiatives have slowed progress. Most critically, SACCOs lack a unified IT strategy, resulting in fragmented efforts that fail to deliver seamless, omnichannel experiences for members.</p>\r\n<p><b>Short-Term Solutions: Collaboration and Cost Sharing</b></p>\r\n<p>MUSCCO believes that collaboration is the key to bridging this gap. By forming partner networks, SACCOs can mutualize costs, co-invest in new technologies, and negotiate better terms with service providers. Shared infrastructure and pooled resources would not only reduce expenses but also create economies of scale, enabling SACCOs to deliver improved digital services more quickly and efficiently.\r\n</p>\r\n<p><b>Long-Term Vision: Becoming Experience Orchestrators</b></p>\r\n<p>Beyond cost-sharing, SACCOs must embrace a bold new role as experience orchestrators. This means integrating their financial services with third-party offerings to create richer, lifestyle-driven experiences for members. Imagine a SACCO partnering with a local car dealership to provide tailored financing options, or leveraging analytics to recommend personalized products. Such innovations would position SACCOs as trusted aggregators of value, deepening member loyalty and relevance in the digital age.</p>\r\n<p><b>The Road Ahead</b></p>\r\n<p>The message is clear: SACCOs must modernize or risk obsolescence. Digital transformation is no longer optional—it is the foundation for survival and growth. By embracing collaboration in the short term and evolving into experience orchestrators in the long term, SACCOs can not only remain competitive but also thrive in Malawi’s rapidly changing financial services landscape.</p>\r\n<p>The future of SACCOs depends on their ability to deliver digital experiences that resonate with members. Those that act decisively will secure their place in the financial ecosystem. Those that hesitate risk being left behind. </p>\r\n<p>It’s the digital evolution in financial service provision industry. The time is now, and every minute you wait is another opportunity for your competitors to make the move that you’re thinking about and start stealing your market share. <b>Do digital—or perish.</b></p>\r\n<p><br /></p>', 27, '251204092237_do digital or perish pic.jpg', '251204092237_do digital or perish pic.jpg', 1, '2025-12-04 09:22:37', 'V0j7G'),
(59, '11', 'Cybersecurity Awareness: Protecting Our SACCOs in the Digital Age - By Daniel Francis Imfa', '<p style=\"text-align: justify;\"><strong><span style=\"text-decoration: underline;\">As\r\nSACCOs </span></strong>continue to modernize and embrace digital transformation, the opportunities for growth and efficiency are immense. Yet, alongside these opportunities comes a growing challenge: cybersecurity threats. From phishing emails to ransomware attacks, financial cooperatives are increasingly targeted by criminals seeking to exploit vulnerabilities in our systems and our people.</p>\r\n<p style=\"text-align: justify;\"><b>Why Cybersecurity Matters for SACCOs?</b></p>\r\n<ol>\r\n  <li style=\"text-align: justify;\">Member Trust: Our members entrust us with their savings and personal data. Protecting this information is non-negotiable.</li>\r\n  <li style=\"text-align: justify;\">Safeguarding Financial Assets - Cyber-criminals target financial institutions for direct theft, fraud, or manipulation of transactions.</li>\r\n  <li style=\"text-align: justify;\">Regulatory Compliance: The Reserve Bank of Malawi and the new Data Protection Act require strict safeguards for financial and personal data.</li>\r\n  <li style=\"text-align: justify;\">Preventing Insider Risks - Not all threats come from outside. Weak passwords, careless clicks, or disgruntled staff can expose systems.</li>\r\n  <li style=\"text-align: justify;\">Operational Continuity: A single cyber incident can disrupt services, damage reputations, and cause financial losses.</li>\r\n</ol>\r\n<p style=\"text-align: justify;\"><b>Common Cyber Threats Facing SACCOs</b></p>\r\n<ul>\r\n  <li style=\"text-align: justify;\">Phishing Emails: Fraudulent messages designed to trick staff into revealing passwords or clicking malicious links.</li>\r\n  <li style=\"text-align: justify;\">Ransomware: Malware that locks systems until a ransom is paid.</li>\r\n  <li style=\"text-align: justify;\">Insider Risks: Unintentional mistakes or deliberate misuse of access by employees.</li>\r\n  <li style=\"text-align: justify;\">Weak Passwords: Easily guessed or reused passwords that expose accounts to hackers.</li>\r\n</ul>\r\n<p style=\"text-align: justify;\"><b><br /></b></p>\r\n<p style=\"text-align: justify;\"><b>How We Can Stay Safe?</b></p>\r\n<ul style=\"list-style-type:square;\">\r\n  <li style=\"text-align: justify;\">Think Before You Click: Always verify emails, links, and attachments before opening.</li>\r\n  <li style=\"text-align: justify;\">Strong Passwords &amp; MFA: Use complex passwords and enable multi-factor authentication wherever possible. MFA is a security method that requires users to prove their identity using two or more verification factors—for example, a password plus a code sent to your phone, or a fingerprint scan. It makes accounts much harder to hack because even if a password is stolen, attackers still need the second factor to gain access\r\n  </li>\r\n  <li style=\"text-align: justify;\">Regular Updates: Keep systems, apps, and antivirus software up to date.</li>\r\n  <li style=\"text-align: justify;\">Report Suspicious Activity: Encourage staff and members to report unusual emails or system behavior immediately to the IT department.</li>\r\n  <li style=\"text-align: justify;\">Training &amp; Awareness: Continuous education for staff and members is key to building a culture of security.</li>\r\n</ul>\r\n<p style=\"text-align: justify;\"><b><br /></b></p>\r\n<p style=\"text-align: justify;\"><b>In Conclusion</b></p>\r\n<p style=\"text-align: justify;\">Cybersecurity is not just an IT issue—it is a governance and trust issue. By working together, we can protect our SACCOs, safeguard member data, and ensure that digital transformation remains a force for empowerment, not exploitation. Without it, modernization efforts risk collapse under the weight of fraud, breaches, and reputational damage.\r\n\r\n\r\n</p>\r\n<p style=\"text-align: justify;\"><br /></p>\r\n<p style=\"text-align: justify;\"><br /></p>', 27, '251205053651_Cyber Security Awareness .jpg', '251205053651_Cyber Security Awareness .jpg', 1, '2025-12-05 05:36:51', 'h3W68e1fOZrUQUsw9zIY5dHZbNdJx'),
(60, '1', 'Malawi Launches Landmark Aquaculture-Agriculture Project to Tackle Food Insecurity - By Staff Reporter', '<p style=\"text-align: justify;\"><strong><span style=\"text-decoration: underline;\"><em>5th December 2025,</em></span></strong> a&nbsp;major milestone in Malawi’s fight against food insecurity was marked today&nbsp;as stakeholders from across the country convened at the Bingu International Convention Centre for the official launch of the Integrating Aquaculture-Agriculture to Combat Food Insecurity in Malawi <strong>(IAAM) </strong>Project.</p>\r\n<p style=\"text-align: justify;\">The initiative, implemented by CDF Canada with support from the Government of Norway, is being carried out in cooperation with the Government of Malawi and key implementing partners including the Malawi Federation of Cooperatives <strong>(MAFECO)</strong>, Malawi Union of Savings and Credit Cooperatives <strong>(MUSCCO)</strong>, Community Agribusiness Partners <strong>(CAP)</strong>, Women’s Legal Resources Centre <strong>(WOLREC)</strong>, and Awfishnet Malawi Chapter.</p>\r\n<p style=\"text-align: justify;\"><strong>Showcasing Innovation</strong></p>\r\n<p style=\"text-align: justify;\">Guest of Honor Dr. Julius Chulu, Ministry of Agriculture, Director of Livestock and Animal Health, toured project pavilions that featured practical demonstrations of Integrated Aquaculture–Agriculture Systems (IAAS). The exhibits offered participants a firsthand look at how aquaculture and agriculture can be combined to maximize resources and strengthen food systems.</p>\r\n<p style=\"text-align: justify;\"><strong>Voices of Commitment</strong></p>\r\n<p style=\"text-align: justify;\">Ben André, Executive Director of CDF Canada, commended Malawi’s strong commitment to the project, noting the enthusiasm of communities and institutions to embrace the innovation.</p>\r\n<p style=\"text-align: justify;\">Her Excellency Anne Sofie Bjelland, Ambassador of Norway, reaffirmed Norway’s dedication to supporting food security and resilience. She emphasized that integrating aquaculture and agriculture provides farmers with opportunities to diversify, adapt to climate change, and secure sustainable livelihoods.<br />In his keynote address, Dr. Chulu underscored the transformative potential of IAAS:</p>\r\n<p style=\"text-align: justify;\">He further pledged the Ministry’s continued support for programs that enhance diversification, commercialization, and value addition for small-scale producers</p>\r\n<p style=\"text-align: justify;\"><strong>Empowering Farmers</strong></p>\r\n<p style=\"text-align: justify;\">A highlight of the launch was the unveiling of the Integrated Aquaculture-Agriculture Systems Handbook. This new training tool is designed to equip farmers, cooperatives, and extension workers—particularly women—with practical knowledge to adopt IAAS, improve productivity, and build resilience.</p>\r\n<p style=\"text-align: justify;\"><strong>Looking Ahead</strong><br />The IAAM Project will run for four years, aiming to empower small-scale producers, strengthen cooperatives, and advance sustainable food systems across Malawi.</p>\r\n<p style=\"text-align: justify;\"><br /></p>\r\n<p style=\"text-align: justify;\"><br /></p>', 27, '251205080905_IAAM Small launch.jpg', '251205080905_IAAM Large.jpg.jpg', 1, '2025-12-05 20:09:05', 'm2MUDfhAY9aeR41ABMKBEC');

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-- Table structure for table `events`
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CREATE TABLE `events` (
  `event_id` int(11) NOT NULL,
  `title` text NOT NULL,
  `venue` varchar(128) NOT NULL,
  `date` date NOT NULL,
  `thumb` varchar(128) NOT NULL,
  `image` varchar(128) NOT NULL,
  `details` longtext NOT NULL,
  `status` int(11) NOT NULL DEFAULT 0,
  `date_posted` timestamp NOT NULL DEFAULT current_timestamp(),
  `posted_by` int(11) NOT NULL
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `events`
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INSERT INTO `events` (`event_id`, `title`, `venue`, `date`, `thumb`, `image`, `details`, `status`, `date_posted`, `posted_by`) VALUES
(11, 'Product Development Training ', 'Sigelege Beach Resort', '2025-06-13', '250606040039_Product Development .jpg', '250606040039_Product Development .jpg', '<p>Change is inevitable, product development keeps evolving in this fast world. MUSCCO through its subsidiary Cooperative Development Institute (CDI) has organized this training for all Financial Institution practitioners&nbsp;</p>', 0, '2025-06-06 16:00:39', 28);

-- --------------------------------------------------------

--
-- Table structure for table `faqs`
--

CREATE TABLE `faqs` (
  `faq_id` int(11) NOT NULL,
  `question` text NOT NULL,
  `answer` text NOT NULL,
  `date` timestamp NOT NULL DEFAULT current_timestamp()
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `faqs`
--

INSERT INTO `faqs` (`faq_id`, `question`, `answer`, `date`) VALUES
(8, 'WHAT IS A COOPERATIVE SOCIETY?', 'A cooperative is an autonomous association of persons united voluntarily to meet their common economic and social needs through a jointly-owned and democratically-controlled enterprise/business.', '2023-08-22 05:38:33'),
(9, 'WHAT ARE THE COOPERATIVE PRINCIPLES?', 'Voluntary and Open Membership Democratic Member Control Member Economic Participation Autonomy and Independence Education, Training and Information Cooperation amongst Cooperatives Concern for Community', '2023-08-22 05:39:11'),
(10, 'WHAT IS A SACCO', 'A Savings and Credit Cooperative Society (SACCO) is a member-owned financial cooperative whose primary objective is to mobilise savings and afford members access to loans (productive and provident) on competitive terms as a way of enhancing their socio-economic well being. It is formed by people having a common bond.', '2023-08-22 05:39:35'),
(13, 'HOW DIFFERENT IS A SACCO FROM OTHER BANKS OR MICROFINANCE INSTITUTIONS?', 'SACCOs are member-owned and not profit-oriented. Their philosophy is â€œpeople helping peopleâ€.', '2023-08-22 05:40:59'),
(14, 'WHAT ARE THE BENEFITS OF KEEPING MONEY IN A SACCO?', 'Members have a voice in the running of the SACCO since they own the institution; Members receive dividends at the end of the financial year;  Access to financial services is non-discriminatory and affordable Contribution to a positive community', '2023-08-22 05:41:34'),
(15, 'HOW SAFE IS ONE&apos;S MONEY IN A SACCO?', 'The SACCO mechanism provides for the safety of membersâ€™ money i.e. controls and procedures, committees and reporting structures all provide for the safety of the membersâ€™ money.', '2023-08-22 05:41:59'),
(16, 'WHERE CAN I FIND A SACCO NEAR ME?', 'Please see our list of affiliated SACCOs and our SACCO map. If you want to form a SACCO see Contacts.', '2023-08-22 05:42:27'),
(17, 'WHAT IS A COMMON BOND', 'A common bond is a unifying factor (that which brings people together). Two types of bonds generally exist as follows: Community bond The bond exists where members are resident in a particular locality or neighbourhood. A community bond caters to all people within the community. Occupational or associational bond The bond provides for people of the same occupation or for those employed by a common employer or who belongs to the same profession. *Open Bond SACCOs can be comprised of both Community and Occupational Bonds.', '2023-08-22 05:44:24'),
(18, 'WHO CAN JOIN A SACCO', 'Joining a SACCO is easy. Membership is open to all regardless of sex, race, religion or political affiliation. It is voluntary within the SACCOâ€™s common bond. Each SACCO has a membership qualification process, common ones being that you are a member of a particular grouping or company, e.g. if you are a teacher or an employee of a particular organization, or if you belong to a certain community. Everyone from a Farmer to a CEO is able to join a SACCO!', '2023-08-27 12:31:37');

-- --------------------------------------------------------

--
-- Table structure for table `inquiries`
--

CREATE TABLE `inquiries` (
  `id` int(11) NOT NULL,
  `link` varchar(60) NOT NULL,
  `name` varchar(128) NOT NULL,
  `email` varchar(255) DEFAULT NULL,
  `phone` varchar(32) DEFAULT NULL,
  `subject` text NOT NULL,
  `message` text NOT NULL,
  `date` timestamp NOT NULL DEFAULT current_timestamp(),
  `status` int(11) NOT NULL DEFAULT 0
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `inquiries`
--

INSERT INTO `inquiries` (`id`, `link`, `name`, `email`, `phone`, `subject`, `message`, `date`, `status`) VALUES
(21, 'gvcQQzPiFOqypJ', 'Wezzie Mhango', 'wezmhango@hotmail.com', '0991603780', 'Information Inquiry', 'rree', '2023-07-25 12:31:23', 0),
(22, 'kzIzJp3KigK57v', 'Dan Imfa', 'bandaowen89@gmail.com', '099882297414', 'system issue', 'How can i join Sacco', '2023-08-21 23:55:20', 0),
(23, 'ZVOoPbb4xYEOYfV0CohRxEd0Fks3YG9LEXxxIKTqr0d3ngWu', 'ghg ffdfd', 'chawe@chawe.com', '98989879', 'Information Inquiry', 'hghgh', '2025-06-10 22:52:11', 0),
(24, 'GrUryrcM0e3g4ZwYl1wMhoQRBxG2KdnXiL9fafuttx5F49FNRg', 'Katundu Levson', 'Levsonk93@gmail.com', '+27629959849', 'ENQUIRY', 'Dear Sir/Madam\r\n\r\nI&apos;am  writing  this letter  to find out on how i can register  with Malawi  Sacco as I&apos;m out of Malawi\r\n\r\nCurrently  I&apos;m in South Africa and pure Malawian  \r\n\r\n\r\nYour&apos;s sincerely\r\n\r\nLevson katundu', '2025-06-20 09:44:17', 0),
(25, '3ioDIPGMl8vPYMEUGm8R6mIb5GsOKmNl0VKT', 'Chawezi Zimba', 'zimbachawezi62@gmail.com', '+265888134306', 'Complain about your customers', 'The most members of sacco civil servants  calling me as agent assistant while am not', '2025-08-07 20:07:08', 0),
(26, 'o3eFGH1bhkSkgTrfwW4ULGOI41GnQPCnWAUisU2kLagP0tE', 'Innocent Maenje', 'innocentmaenje29@gmail.com', '+265995435008', 'PERIOD OF PROCESSING WITHDRAW OF MEMBERSHIP', 'I write ? to ask how long does it that for one to effectively withdrawal from any SACCO', '2025-08-09 16:35:10', 0),
(27, 'o7sMK6kBmM2NabmuAH4DjVHfrmjCXb', 'Tavereri Ndaferankhande', 'ndaferankhandetavereri@gmal.com', '0881247938', 'Inquiry on Requirements for Setting Up a SACCO in Malawi', 'I am writing to seek guidance from the Malawi Union of Savings and Credit Cooperatives (MUSCCO) on the process and requirements for establishing a Savings and Credit Cooperative (SACCO) in Malawi. Specifically, I would appreciate detailed information on:\r\n\r\n1. Legal Requirements\r\n\r\n-Registration procedures with the Registrar of Cooperatives and/or Registrar of Financial Institutions.\r\n\r\n- Minimum number of members required at formation.\r\n\r\n- Governance and compliance structures that must be in place (e.g., - Board composition, audit requirements, policies).\r\n\r\n2. Capital and Liquidity Requirements\r\n\r\n- Minimum share capital and savings contributions needed to start operations.\r\n\r\n- Liquidity thresholds or ratios that SACCOs are expected to maintain.\r\n\r\n- Access to MUSCCO’s Central Finance Facility (CFF) for liquidity support.\r\n\r\n3. Operational Requirements\r\n\r\n- Mandatory reporting standards and supervision mechanisms.\r\n\r\n- Technology and record-keeping expectations.\r\n\r\n- Training and capacity-building opportunities offered by MUSCCO for new SACCOs.\r\n\r\n4. Membership in MUSCCO\r\n\r\n- Procedures and benefits of affiliating with MUSCCO.\r\n\r\n- Support available for new SACCOs in areas of governance, compliance, and growth.\r\n\r\nI believe this information will be crucial in guiding the establishment of a well-structured and compliant SACCO that can sustainably serve its members.\r\n\r\nKindly share with me any documentation, guidelines, or checklists that outline the full process.\r\n\r\nThank you for your assistance, and I look forward to your response.', '2025-08-27 08:47:47', 0),
(28, 's9QloaCiDlua11iqXSbZvB6F4uwZ72x4UIg79d6PnYbS2CxgQeNsUKD58e', 'JOAQUIM CHIZENGA', 'chizenganjoaquim5@gmail.com', '+265 0999174830', 'FOLLOW UP FO MY COMPLAINT AGAINST POLYMED SACCO', 'Dear sir/madam,\r\nI write to follow up my complaint which i brought to you office in mid jun 2025 against Polymed Sacco for their unfair treatment to me as a member. As indicated in my letter ,i wrote to you as a mother body of sacco`s  in Malawi so that may be our misunderstanding may be resolved before involving fourth or fifth parties.\r\nI hope my concern will be taken care of\r\n                        yours faithfully,\r\n                       Joaquim CHIZENGA', '2025-09-11 07:25:19', 0),
(29, 'cnzBrTvTmjnAdM5SHxIm74ZT0TzYGKUnzkkxUKhrp0deFe9hmuzSt1tj9Y9', 'Pearson Mussah', 'jasiyamussah@gmail.com', '0888773993', 'HOW', 'Good afternoon,\r\nI would like to know the processes one can follow to register as SACCO', '2025-09-11 11:44:50', 0),
(30, 'LDF8BtM5JqPLE', 'Frank Mbepula', 'frank.mbepula@gmail.com', '265999955313', 'WITHDRAW OF CONTRIBUTIONS OF OILCOM SOCIAL WELFARE FUND', 'Dear Sir/ Madam\r\n\r\nWe would like to request the withdraw of our contributions as we had liquidated our social welfare fund.\r\n\r\nWe tried to get hold of office lines but they were no reply to severe call we made.\r\n\r\nPlease share us the process of the withdraw so that we close the account.\r\n\r\nThank you and good day.\r\n\r\nRegards\r\n\r\nFrank', '2025-09-18 13:09:26', 0),
(31, 'aZRQQs340yylBSDmp73b5OEKzg7ty', 'Kelvin Mabvuka', 'kewanem0@gmail.com', '0881565226', 'APPLICATION FOR A POST AS A FINANCE AND ADMINISTRATION ASSISTANT', 'I hereby apply for the above post which exist in your organization. I have graduated with a strong credit in bachelor&apos;s degree in accounting and have good communication skills and a fast learner. It is my earnest desire to persue my carrier with the team of your organization. More of my details can be sent to you in your email.', '2025-09-19 11:41:25', 0),
(32, 'Bby7URAMGyWaxfApvcuYS', 'KHrzVhjDFYoCFk oBwkyYOtsZLpp', 'gekuvimedot21@gmail.com', '7252587013', 'GomZmVENTTiA', 'OpSQeBhVSdr', '2025-10-03 22:42:06', 0),
(33, 'cqGjpG9YAJgZY', 'drNArhre PYHlpBNxB', 'umipexotoj153@gmail.com', '9114770054', 'hXnfrpiJ', 'tyLPGAwqA', '2025-10-04 01:34:56', 0),
(34, 'WT7dZnGJuSg44nisMPVVGWk5tgSAiJ8', 'DsXZrIXYz KHCnvkXEGDItoieb', 'ovirorid29@gmail.com', '4746623307', 'GFgcjndAbpWvFLXO', 'TDOkyiFvYJNj', '2025-10-04 10:23:36', 0),
(35, 'i5GvDWrmeQPFU7ZfbJmrrC5jLn3zzaW1eVcDhPxZuNM4ZxzJFmPUMiLg0', 'tAqTgSJGLSGXSgu MrsgQDxWDV', 'ilofagoval57@gmail.com', '2610530289', 'vQflzFsRstTNZu', 'hCcLgkZniHqW', '2025-10-05 16:34:40', 0),
(36, 'nrfvVSJdYlcXufqCgAEubTTIgrdyYzyceVL', 'ShuIdhcsVWe raQqpmRKkFwdCCbt', 'ajixilepeb253@gmail.com', '9318026252', 'PDkUBOSLKwVPBB', 'XXgruRBOdzBCgbh', '2025-10-19 14:34:00', 0),
(37, '1m8A5p41jILCjHP', 'LuUFwvaJmUFCXyCdpXmppPzd NfItVNaaVdUFazouQjgUnyr', 'refecoziwo284@gmail.com', '3461950310', 'JFrFRdcRmNkMTXiK', 'KDYKLTGsNXRdCMovIZUaT', '2025-10-20 18:48:48', 0),
(38, 'DxVIzFsaopLAHvHdRz0JXLTR61RPc3oGmzGxYVHysDdiNpL', 'ifTmdaMOZGHypnRdLvH vxRWnqocbvxXADzqLPJHzTKO', 'uvozihupiya842@gmail.com', '2465918022', 'mwIVaJxDQpspcsVWFYso', 'VMCAOaKDSOMPlJxMJrAqmxy', '2025-10-25 16:24:15', 0),
(39, 't9lQVOYkRByiTzMHIs7Xz', 'zrAKXahXYDSNOZUeDg UvCLzrNkmctItabtnVfMQOR', 'kusoyaziqef474@gmail.com', '8704387456', 'OfbFLnxjAZAICOcES', 'vQKkBeayYrvnJPANfsghzriv', '2025-10-28 11:24:24', 0),
(40, '6FpMMOCjSnnrULUs1mARxuIBS2OiNrOrqVVSoNEkRcJiPbjkNOKK', 'zsvIVDUdhEvmehsUC ythhoyJxePFrchElJhpORpG', 'erugapidosox45@gmail.com', '2857309286', 'pDmEwxxtJAJqKPMC', 'AGXrTcEAofnJltHuQEhTRGBv', '2025-10-30 19:30:59', 0),
(41, 'HqUJjZeTD9jOkUTktNIO1f9pqIlXG', 'poTigZsWWliglIGWo yESGHkepyVuyfTIyEilx', 'spiritlegu@gmail.com', '6798517052', 'HEAAGcFfsQpymmbemshkt', 'MwgrBZqoyfoaobCX', '2025-10-31 09:43:54', 0),
(42, 'K0r4lRapRBwPTXJCTwr0jPedeK', 'zfaVNOApZmaKoDWcizkWWFO klbaOUSiFiTzvzJjaEO', 'iyalujey101@gmail.com', '8169928176', 'GgEESqRCxqLQmWxMrJhDze', 'hggOybFqPTTNjspwLXhCNo', '2025-11-18 13:52:28', 0),
(43, 'VkkxXb0V368hJWOxxcr7oCLNfhKAl071jJRRntfuISCpLJTEvEV', 'KFDoLfjhlrovzHOWRBWSo iHvlZzkljYcVxntgVtzcM', 'biqarozebap293@gmail.com', '9131770453', 'YxNAeskfBMpLXJSjzMMuaM', 'wddSifzFwrofdslBOR', '2025-11-19 14:24:23', 0),
(44, 'rsMTsb4CH7qfEOB59Fzr3UlGzbUt', 'xLtuTHLehfZNKGLDDatd cyGrkVxpcmCLGvjta', 'rakobirijo536@gmail.com', '9790999082', 'bZGkYdsILemJJAtcagEQFC', 'EwXYYAtgCIaMGOFKO', '2025-12-04 11:16:56', 0),
(45, 'rYnximEzaf', 'anIhpExdIAHCwcvOWCUgaL xOqFKwiFLKJPpwqFNQMStN', 'berrideleond773@gmail.com', '2940275905', 'vFHGoHgTOLGVrESA', 'DfImTXwSuxBItqMOoKxKZguR', '2025-12-09 16:19:19', 0),
(46, 'GVSh05Qx8374Iq3R2wnuhOsDRRqJoItSiYdi9Xu8CtUvVkgPf9mwEBIfTm', 'HuAulvYGOaYaEtVHNuAF koJtCizMiHDhSeSjlhB', 'combsrozalinb5@gmail.com', '2423496872', 'rTKTNXLbNQAKXIcvXNqZ', 'FCtAOgQMZgKmFFvcbJP', '2025-12-14 08:57:16', 0),
(47, '5obf1BX92PRsecfudcvDhxfeuipgRj76P4g9MCFGuBZSVnl', 'Prince k Piyo HAUYA', 'hauyaprince@gmail.com', '0889792279', 'Interest for a job opportunity', 'I am a 24 year old based in Dedza who would like to express his interest in an open position, I hold a certificate in computer engineering and malawi school certificate of education and I also have work experience from obtain at utmost marketing company and financial investment fund \r\n\r\nI would really appreciate if you would consider me and give me an opportunity at your company', '2025-12-15 07:33:21', 0),
(48, 'bdNBTaZYjGd4wSy1s', 'FEaSDAxSnLkguYbDqxVKNXr ZSFdBESZoYHbtSFygRocMk', 'paqofuyo17@gmail.com', '9176378639', 'LxIlsPYiQKKKqiOqcomU', 'wrrfLJnMaXuReTqy', '2026-01-03 15:49:06', 0),
(49, '4BAPgIaPysWaNOEvsn0hKQja84ZBm9BSsEbkvkqO', 'JzlLJtKnfnXTFYohts RnrbwDjpxTYZDbRi', 'uxefula.r5.0@gmail.com', '7570868787', 'JfDyAfaBkxfkIVQpcBg', 'iaiInPouGGhzPiXZEEqK', '2026-01-11 23:16:52', 0),
(50, '9jD6HaezheS31Gv5mIbS87AoeJ7aiW6uB5HQPcdIlKS', 'Brenda Chirwa', 'mlowokac@gmail.com', '0884170267', 'TERMINATION OF MY SACCO MEMBERSHIP FROM KAWILUWILU SACCO', 'I have a complaint. I had written a formal document to Kawiluwilu SACCO know 29/08/2025 and they promised that they would send the deposits money after a month as I did not have any loan with them.\r\nAfter a month I followed up with them but to no avail. \r\nJust today I called them of the same issue and they told me that they have been advised by the Reserve bank that should not issue any money to someone who is withdrawing jis/her membership but are able to issue loans. \r\nCan your office please help me because I need the money as it has been overdue and looking at the situation I do not have any loan with them.', '2026-01-22 12:11:07', 0),
(51, 'ujsSQ7ZmgL1vSm3FeMbHlk6eetNr3Utha9O07Zjdsi7HOebm2z', 'Brenda Chirwa', 'mlowokac@gmail.com', '0884170267', 'TERMINATION OF MY SACCO MEMBERSHIP FROM KAWILUWILU SACCO', 'I have a complaint. I had written a formal document to Kawiluwilu SACCO know 29/08/2025 and they promised that they would send the deposits money after a month as I did not have any loan with them.\r\nAfter a month I followed up with them but to no avail. \r\nJust today I called them of the same issue and they told me that they have been advised by the Reserve bank that should not issue any money to someone who is withdrawing jis/her membership but are able to issue loans. \r\nCan your office please help me because I need the money as it has been overdue and looking at the situation I do not have any loan with them.', '2026-01-22 12:14:23', 0),
(52, 'IK8z', 'CTAhVKTZJrqmyBMkpeJE lxVIheSRiVnLFoHKTW', 'uz.a.zaze.we.su7.7@gmail.com', '2880920576', 'wxjSIKvmiHwbtVIxBPfVZgR', 'tosKRybFJhrBpQqiiqfrD', '2026-02-06 06:32:58', 0);

-- --------------------------------------------------------

--
-- Table structure for table `job_categories`
--

CREATE TABLE `job_categories` (
  `category_id` int(11) NOT NULL,
  `category` varchar(128) NOT NULL
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `job_categories`
--

INSERT INTO `job_categories` (`category_id`, `category`) VALUES
(1, 'Full Time'),
(2, 'Part Time'),
(3, 'Temporary'),
(4, 'Internship'),
(5, 'Volunteer');

-- --------------------------------------------------------

--
-- Table structure for table `leadership`
--

CREATE TABLE `leadership` (
  `leader_id` int(11) NOT NULL,
  `title` varchar(128) NOT NULL,
  `name` varchar(64) NOT NULL,
  `type` varchar(32) NOT NULL,
  `image` varchar(128) NOT NULL,
  `facebook` varchar(1028) DEFAULT NULL,
  `twitter` varchar(1028) DEFAULT NULL,
  `linkedin` varchar(1028) DEFAULT NULL,
  `date` timestamp NOT NULL DEFAULT current_timestamp()
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `leadership`
--

INSERT INTO `leadership` (`leader_id`, `title`, `name`, `type`, `image`, `facebook`, `twitter`, `linkedin`, `date`) VALUES
(24, 'Chief Executive Officer ', 'Fumbani Nyangulu', 'Management', '1691651634_Fumbani Nyangulu.jpg', 'https://www.facebook.com/   ', 'https://twitter.com/', 'https://www.linkedin.com/', '2023-08-10 07:13:54'),
(25, 'Head of Cooperatives Development & Projects', 'Leroy Banda', 'Management', '1691680208_LEROY BANDA .jpg', 'https://www.facebook.com/   ', 'https://twitter.com/?lang=en', 'https://www.linkedin.com/', '2023-08-10 15:10:08'),
(27, 'IT Manager', 'Daniel Imfa', 'Management', '1692359518_Daniel Imfa .jpg', 'https://www.facebook.com/   ', 'https://twitter.com/?lang=en', 'https://www.instagram.com/', '2023-08-18 11:51:58'),
(28, 'Business Development Manager', 'Ezikiel Thindwa', 'Management', '1692359743_Ezikiel Thindwa.jpg', 'https://www.facebook.com/   ', 'https://twitter.com/?lang=en', 'https://www.linkedin.com/', '2023-08-18 11:55:43'),
(31, 'Board President ', 'Alex Ntungama', 'Board Member', '1732872389_Alex Ntungama.JPG', 'https://www.facebook.com/   ', 'https://twitter.com/', 'https://www.linkedin.com/', '2023-08-22 03:33:51'),
(41, 'Head of Finance and Administration', 'Kingsley Mulewa', 'Management', '1733808384_Kingsley Mulewa.jpg', '', '', '', '2024-12-10 05:26:24'),
(42, 'Board Vice President', 'Mrs. Jessie Eneya', 'Board Member', '1733811601_Mrs. Jessie Eneya.jpg', '', '', '', '2024-12-10 06:20:01'),
(43, 'Board Treasurer', 'Col. Alinine Simwaka', 'Board Member', '1733812553_Col. Alinine Simwaka.jpg', '', '', '', '2024-12-10 06:35:53'),
(44, 'Board Secretary', 'His Worship Mphalulo Fatch', 'Board Member', '1733812668_His Worship Mphalulo Fatch.jpg', '', '', '', '2024-12-10 06:37:48'),
(45, 'Board Member', 'Mrs. Slyvia Chisama', 'Board Member', '1733812728_Mrs. Slyvia Chisama .jpg', '', '', '', '2024-12-10 06:38:48'),
(46, 'Technical Director', 'Mr. Zamdziko Makhambo', 'Board Member', '1733812771_Mr. Zamdziko Makhambo.jpg', '', '', '', '2024-12-10 06:39:31'),
(47, 'Technical Director', 'Mr. Makwemba Malonje', 'Board Member', '1733812800_Mr. Makwemba Malonje.jpg', '', '', '', '2024-12-10 06:40:00'),
(48, 'Technical Director', 'Mrs. Zaithwa Phambana', 'Board Member', '1733812844_Mrs. Zaithwa Phambana.jpg', '', '', '', '2024-12-10 06:40:44'),
(49, 'Registrar Of Cooperatives ', 'Mr. Limbikani Kachiwaya', 'Board Member', '1733812885_Mr. Limbikani Kachiwaya.jpg', '', '', '', '2024-12-10 06:41:25'),
(50, 'Finance Manager', 'Blair Kumwenda', 'Management', '1761040600_Blair Kumwenda.jpg', '', '', '', '2025-10-21 09:56:40');

-- --------------------------------------------------------

--
-- Table structure for table `newsletters`
--

CREATE TABLE `newsletters` (
  `newsletter_id` int(11) NOT NULL,
  `title` varchar(1024) NOT NULL,
  `file` varchar(128) NOT NULL,
  `link` varchar(60) NOT NULL,
  `posted_by` int(11) NOT NULL,
  `date` timestamp NOT NULL DEFAULT current_timestamp()
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `newsletters`
--

INSERT INTO `newsletters` (`newsletter_id`, `title`, `file`, `link`, `posted_by`, `date`) VALUES
(8, 'MUSCCO JUNE        E- NEWSLETTER', '230822055441_MUSCCO JUNE        E- NEWSLETTER.pdf', 'AcI3yl6UfEZ5iPD', 23, '2023-08-22 05:54:41'),
(9, 'MUSCCO JULY       E- NEWSLETTER', '230822055503_MUSCCO JULY       E- NEWSLETTER.pdf', 'hLW08WUH2cOrS4WTMxMSY', 23, '2023-08-22 05:55:03'),
(10, 'MUSCCO JANUARY 2022 E-NEWSLETTER', '230822055515_MUSCCO JANUARY 2022 E-NEWSLETTER.pdf', 'TVldmXvXHo5eYzMAMPEXJr8Hexn7SCn5h7UgVdvGQpfH14ulw8T2pJaoulp', 23, '2023-08-22 05:55:15'),
(11, 'E-NEWSLETTER _FEBRUARY_2022', '230822055527_E-NEWSLETTER _FEBRUARY_2022.pdf', 'wa1YHwfDltbn37t6fIS1IggIvnRJf78B06SuV4Py3bTALxTSsS7Mvz', 23, '2023-08-22 05:55:27'),
(13, 'MUSCCO APRIL 2022 E-NEWSLETTER', '230822055717_MUSCCO APRIL 2022 E-NEWSLETTER.pdf', 'kW484UL0Y2FeuCTm7EoZX9zN1DDB1QdZDlvp2bxx', 23, '2023-08-22 05:57:17'),
(15, 'MUSCCO SEPTEMBER E-NEWSLETTER', '231114065613_MUSCCO SEPTEMBER E-NEWSLETTER.pdf', 'YlWrvWUwH5m6UjeL58ZbKC3a5xTXzLQWA1q6tu5I1no6Sn59Dg', 28, '2023-11-14 18:56:13'),
(17, 'MUSCCO OCTOBER E-NEWSLETTER', '231124030212_MUSCCO OCTOBER E-NEWSLETTER.pdf', 'kbnz7pucTtMJJc0pmcNCMa1KDTY4', 28, '2023-11-24 15:02:12'),
(18, 'December E-newsletter ', '240117081836_December E-newsletter .pdf', 'nsEu2e1B0oX5NWN2', 29, '2024-01-17 08:18:36'),
(19, 'SACCO GREEN WEEK', '240301011922_SACCO GREEN WEEK.pdf', 'Hj93i37JDsXugazOWoNLbexgbi6sJ6rWfuULrFtTAoYoNhZjc', 29, '2024-03-01 13:19:22'),
(20, 'MUSCCO Calendar of events 2024', '240307080502_MUSCCO Calendar of events 2024.pdf', 'vfN3kSG', 29, '2024-03-07 08:05:02'),
(21, 'January 2024 E-newsletter ', '240327082828_January 2024 E-newsletter .pdf', '5YaaLV0BfOE0hmhewAvfzUrpS2Mg9S5YITlXh7Rnop243', 29, '2024-03-27 08:28:28'),
(22, 'February 2024 E-Newsletter ', '240327083606_February 2024 E-Newsletter .pdf', 'SVIO54rpqLfHCLkJOlFHjStxTRSCrh8UgaIn2E1JDFHqp1IIy5LEyYz', 29, '2024-03-27 08:36:06'),
(23, 'March 2024 E-Newsletter', '240429092619_March 2024 E-Newsletter.pdf', 'fffVrgbgOtBt1z7SI2C4yJ', 29, '2024-04-29 09:26:19'),
(24, 'April 2024', '240712081134_April 2024.pdf', 'YoQ7lbSku713DMa7NhDiO7bldlACtO3sjN5yri5J5cKZuqmqo6Qn', 29, '2024-07-12 08:11:34'),
(25, 'May 2024', '240712081216_May 2024.pdf', 'i2vN86hfY5QpGp9mJmjQMqkW', 29, '2024-07-12 08:12:16'),
(26, 'July 2024 E-newsletter', '241022030808_July 2024 E-newsletter.pdf', 'dUAhFu8KnqQvEiqOEFegTHfLyN2swcul', 29, '2024-10-22 15:08:08'),
(27, 'August Newsletter ', '241023065100_August Newsletter .pdf', 'D2r8ZWK4D8FV4A2GYBa6Nok2Yd9DyU7cVv0kLJjg08snnpEl14kco0xi', 29, '2024-10-23 06:51:00'),
(28, 'June 2025', '251106102236_June 2025.pdf', '8aXkABD2q9WJlGqXRGkwwvaH2mr98cKY9cDN8jft0FwPpZx', 33, '2025-11-06 10:22:36');

-- --------------------------------------------------------

--
-- Table structure for table `projects`
--

CREATE TABLE `projects` (
  `project_id` int(11) NOT NULL,
  `title` text NOT NULL,
  `details` text NOT NULL,
  `posted_by` varchar(60) NOT NULL,
  `thumb` varchar(128) NOT NULL,
  `image` varchar(128) NOT NULL,
  `status` int(11) NOT NULL DEFAULT 0,
  `active` int(11) NOT NULL DEFAULT 0,
  `date` timestamp NOT NULL DEFAULT current_timestamp()
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `projects`
--

INSERT INTO `projects` (`project_id`, `title`, `details`, `posted_by`, `thumb`, `image`, `status`, `active`, `date`) VALUES
(17, 'Enhanced Aggregation and Market Linkages among Smallholder Poultry Farmers', '<p>Malawi Union of Savings and Credit Cooperatives (MUSCCO) and The Commercial Agriculture for Smallholders and Agribusiness (CASA) partnered to implement an <i>Enhanced Aggregation and\r\nMarket Linkages among Smallholder Poultry Farmers Project </i>in Mzimba, Mchinji and Lilongwe.\r\n</p>\r\n<p>\r\n  The project is expected to increase incentives for the poultry marketing system to improve performance, and trade, and ultimately economic returns for smallholder poultry famers and agribusinesses. </p>\r\n<p>This will be achieved through interventions in improved aggregation services among poultry groups, self-financing among poultry producers and linkages to stable markets.\r\n\r\n\r\n</p>\r\n\r\n<p><br /></p>', '23', '1692649100_OWENB.jpg', '1692649100_Untit.jpg', 0, 1, '2023-08-21 20:18:20'),
(19, 'GIZ - Capacity Building on promotion of Agricultural Finance Project', '<p>Malawi Union of Savings and Credit Cooperatives (MUSCCO) partnered with GIZ to implement a project called Promotion of agricultural finance for Agri based enterprises in rural areas in Mchinji, Lilongwe and Dowa districts aimed at contributing to improving formal agricultural financing by Savings and Credit Cooperatives Societies (SACCOs) to farmers and agri-based enterprises in rural areas in the country.\r\n\r\n\r\n  <br /></p>', '23', '1692650013_OWENB.jpg', '1692650013_servi.jpg', 1, 0, '2023-08-21 20:33:33'),
(22, 'WE Effect - CIVSAM - Community Economic Participation Enhancement Support Project', '<p><strong>WE Effect - CIVSAM project</strong>&nbsp;is addressing the weak farmer organizations and trade associations exacerbated by lack of access to financial services and appropriate information. It is being implemented in the following districts Chitipa, Rumphi, Mzimba, Kasungu, Mchinji, Dedza, Dowa, Ntchisi, Mangochi, Ntcheu, Thyolo, Machinga Chiradzulu, Zomba, Lilongwe, Salima, Chikwawa and Balaka districts. </p>\r\n<p>The project specific Objectives include; </p>\r\n<ol style=\"list-style-type: upper-roman;\">\r\n  <li>To facilitate access to finance by farmers and</li>\r\n  <li>To strengthen farmers organizations leading to increased production and productivity by farmers, and </li>\r\n  <li>To support trade associations in financial services provision and facilitation of appropriate information for production, gender, climate change and market access.</li>\r\n</ol>\r\n<p>To achieve these objectives the project is adopting Study Circle and Village Savings and Loans Associations (VSLA) methodologies that have emerged as important tools for education, training and provision of financial services among We Effect partner organizations in Africa in the implementation of partner outreach initiatives. <br />As a Technical Partner specialized in financial services and cooperative development, MUSCCO is supporting Trade Associations in the methodologies to roll out and development of appropriate materials for VSLAs record keeping and Study Circle reference materials in various value chains. <br />The project is also supporting MUSCCO’s outreach initiatives using both study circles and VSLAs for strengthening of member Saving and Credit Cooperatives (SACCOs) and increase membership, and also strengthening advocacy role for a friendly regulatory environment. </p>\r\n<p><strong>Expected Outcomes</strong><br />The expected outcomes are;</p>\r\n<ul>\r\n  <li>Enhanced uptake by civil society organizations of the two methodologies at higher level.</li>\r\n  <li>Improved agricultural productivity at lower levels (farmer level). </li>\r\n  <li>MUSCCO network expansion through outreach initiatives that will lead to increased membership and improved system</li>\r\n</ul>\r\n<p><br /></p>', '28', '1751032595_Manure making .jpg', '1751032595_VSLA Meeting ..jpg', 1, 0, '2025-06-27 13:56:35'),
(23, '(IAAM) Integrating aquaculture-agriculture Malawi Project', '<p>\r\n  <strong>The\r\nIAAM project</strong> aims to combat food insecurity in Malawi by increasing the productivity and income of small-scale food producers through the integration of aquaculture and agriculture. The project focuses on developing economically sound and environmentally friendly small-scale, low-cost aquaculture-agriculture production systems. It also strengthens the role of small-scale producers and small-and-medium sized enterprises in value chains, especially those that are women-led.</p>\r\n<p><b>Role\r\nof SACCOs</b></p>\r\n<p>SACCOS play a crucial role in the IAAM project by providing financial services to small-scale farmers and fishers. These services include savings and credit facilities, which can help farmers to invest in their businesses and improve their livelihoods. SACCOS also provide training and education to their members on financial management and business development. This can help farmers to make informed decisions about their businesses and to improve their financial performance.\r\n</p>\r\n<p>In addition to providing financial services, SACCOS can also play a role in linking farmers to markets. This can help farmers to sell their products at fair prices and to improve their incomes. SACCOS can also provide farmers with access to inputs, such as fish feed and fingerlings. This can help farmers to increase their production and to improve the quality of their products.</p>\r\n<p>The IAAM project is expected to have a significant impact on food security in Malawi. By increasing the productivity and income of small-scale farmers and fishers, the project will help to reduce poverty and hunger. The project will also help to improve the livelihoods of women, who are often disadvantaged in the agricultural sector.</p>\r\n<p>Key activities for SACCOs and MUSCCO on The Project </p>\r\n<p><b>Key\r\nActivities for SACCOs:</b></p>\r\n<ul type=\"disc\">\r\n  <li><b>Financial Services:</b></li>\r\n  <ul type=\"circle\">\r\n    <li><b>Savings\r\n      Mobilization:</b> Encourage regular savings among members, promoting a culture of thrift.</li>\r\n    <li><b>Credit\r\n      Disbursement:</b> Provide loans to members for aquaculture and agriculture-related activities, including: </li>\r\n    <ul type=\"square\">\r\n      <li>Purchasing inputs (fish feed, fingerlings, seeds, fertilizers)</li>\r\n      <li>Investing in infrastructure (pond construction, irrigation systems)</li>\r\n      <li>Expanding production capacity</li>\r\n    </ul>\r\n    <li><b>Financial Literacy\r\n      Training:</b> Educate members on financial management principles, budgeting, and risk mitigation.</li>\r\n  </ul>\r\n  <li><b>Market Linkage:</b></li>\r\n  <ul type=\"circle\">\r\n    <li><b>Identify and\r\n      Connect with Buyers:</b> Facilitate connections between members and buyers of aquaculture and agricultural products.\r\n    </li>\r\n    <li><b>Collective\r\n      Marketing:</b> Explore opportunities for collective marketing to improve bargaining power and access to better prices.\r\n    </li>\r\n    <li><b>Market Information\r\n      Dissemination:</b> Share information on market trends, prices, and demand to help members make informed decisions.\r\n    </li>\r\n  </ul>\r\n  <li><b>Capacity Building:</b></li>\r\n  <ul type=\"circle\">\r\n    <li><b>Business Skills\r\n      Development:</b> Provide training on business planning, record-keeping, and financial analysis.</li>\r\n  </ul>\r\n</ul>\r\n<p><b>Key\r\nActivities for MUSCCO:</b></p>\r\n<ul type=\"disc\">\r\n  <li><b>Capacity Building:</b></li>\r\n  <ul type=\"circle\">\r\n    <li><b>Provide Technical\r\n      Assistance:</b> Offer technical support to SACCOs on financial management, risk management, and other operational aspects.</li>\r\n    <li><b>Conduct Training\r\n      Programs:</b> Organize training programs for SACCO staff and board members on various topics related to the project.\r\n    </li>\r\n    <li><b>Develop Training Materials:</b> Create and disseminate training materials and resources to support capacity building efforts.</li>\r\n    <li><b>Governance and\r\n      Management:</b> Strengthen the governance and management capacity of SACCOs through training and mentorship.\r\n    </li>\r\n    <li>Loan fund management\r\n    </li>\r\n  </ul>\r\n  <li><b>Financial Inclusion:</b></li>\r\n  <ul type=\"circle\">\r\n    <li><b>Promote Access to\r\n      Finance:</b> Work with SACCOs to increase access to credit and other financial services for project beneficiaries as SACCO members.</li>\r\n    <li><b>Develop Financial\r\n      Products:</b> Develop and promote innovative financial products tailored to the needs of aquaculture and agriculture businesses.</li>\r\n  </ul>\r\n  <li><b>Monitoring and\r\n     Evaluation:</b></li>\r\n  <ul type=\"circle\">\r\n    <li>Monitor the progress of the project and evaluate the impact of interventions.</li>\r\n    <li>Collect data and analyze information to identify areas for improvement and make necessary adjustments.\r\n    </li>\r\n  </ul>\r\n</ul>\r\n\r\n\r\n\r\n<p><br /></p>', '27', '1751350706_IAAM Fish Project.jpg', '1751350706_IAAM Fish Project.jpg', 1, 0, '2025-07-01 06:18:26');

-- --------------------------------------------------------

--
-- Table structure for table `publications`
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CREATE TABLE `publications` (
  `publication_id` int(11) NOT NULL,
  `title` varchar(1024) NOT NULL,
  `file` varchar(128) NOT NULL,
  `date` timestamp NOT NULL DEFAULT current_timestamp(),
  `link` varchar(60) NOT NULL,
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--
-- Dumping data for table `publications`
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INSERT INTO `publications` (`publication_id`, `title`, `file`, `date`, `link`, `posted_by`) VALUES
(7, 'Financial Cooperatives Act 2011', '230822054806_Financial Cooperatives Act 2011.pdf', '2023-08-22 05:48:06', 'u0Hq2JYFvW5PxVzjtWeeCXq2n7MzZOLG9FvgD7HRhxvUHXL', 23),
(8, 'SACCO directives compliance Action plan guide', '230822054824_SACCO directives compliance Action plan guide.pdf', '2023-08-22 05:48:24', 'lkJv26DxhnrdReKxKRN', 23),
(10, 'MUSCCO BY LAWS', '230822054853_MUSCCO BY LAWS.ppt', '2023-08-22 05:48:53', 'Wu5z915UNbnQKu7g', 23),
(11, 'Tips to Grow Membership in SACCOs', '231114054627_Tips to Grow Membership in SACCOs.pdf', '2023-11-14 17:46:27', 'xTOLvVGVzHvrsXFm2FHY2WKfy2YcSIVkQbIvhuZz1G66', 28),
(12, 'Building Strong member-Based Organisations (MBOs) for Sustainable socio-economic Development', '231114055019_Building Strong member-Based Organisations (MBOs) for Sustainable socio-economic Development.pdf', '2023-11-14 17:50:19', 'qu9ECFwBHW3DrUsrVrThNjglJ', 28),
(14, 'Solutions to the Common Challenges facing SACCOs', '231122093555_Solutions to the Common Challenges facing SACCOs.pdf', '2023-11-22 09:35:55', 'zoCOJBPkIGn0Zn', 28),
(15, 'The 7 SACCO Deadly Sins', '231122093732_The 7 SACCO Deadly Sins.pdf', '2023-11-22 09:37:32', 'KRVvr8lig', 28),
(16, 'SACCO board Management Relationship - A Look at the Global Perspective', '231122093928_SACCO board Management Relationship - A Look at the Global Perspective.pdf', '2023-11-22 09:39:28', '5ofBhUFxsKlGLrG2KXufHoesqHrnxF2PbZhecuUZchx6gu9R', 28),
(17, 'Human Resource Management Best Practicess', '231122094029_Human Resource Management Best Practicess.pdf', '2023-11-22 09:40:29', 'mWO8nOaEul', 28),
(18, 'Getting ahead in your Career', '231122094125_Getting ahead in your Career.pdf', '2023-11-22 09:41:25', 'UGReqkzuJ9FZHs', 28),
(19, 'Fundamentals of Performance Management', '231122094356_Fundamentals of Performance Management.pdf', '2023-11-22 09:43:56', 'iNqEbG0WZpJ5LDWP11v7X0xjrnljnUf0UcsC', 28);

-- --------------------------------------------------------

--
-- Table structure for table `regions`
--

CREATE TABLE `regions` (
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) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `regions`
--

INSERT INTO `regions` (`region_id`, `region_name`) VALUES
(1, 'Southern Region (Chapter 1)'),
(2, 'Central Region (Chapter 2)'),
(3, 'Northern Region (Chapter 3)');

-- --------------------------------------------------------

--
-- Table structure for table `report`
--

CREATE TABLE `report` (
  `report_id` int(11) NOT NULL,
  `title` varchar(128) NOT NULL,
  `file` varchar(128) NOT NULL,
  `date` timestamp NOT NULL DEFAULT current_timestamp()
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `report`
--

INSERT INTO `report` (`report_id`, `title`, `file`, `date`) VALUES
(8, 'MUSCCO Annual Report 2021', '231116090815_MUSCCO Annual Report 2021.pdf', '2023-11-16 09:08:15'),
(9, 'MUSCCO Annual Report 2022', '231116090941_MUSCCO Annual Report 2022.pdf', '2023-11-16 09:09:41');

-- --------------------------------------------------------

--
-- Table structure for table `resources`
--

CREATE TABLE `resources` (
  `resource_id` int(11) NOT NULL,
  `resource_title` varchar(128) NOT NULL,
  `resource_file` varchar(128) NOT NULL,
  `posted_date` timestamp NOT NULL DEFAULT current_timestamp(),
  `link` varchar(60) NOT NULL
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

-- --------------------------------------------------------

--
-- Table structure for table `saccos`
--

CREATE TABLE `saccos` (
  `sacco_id` int(11) NOT NULL,
  `sacco_name` varchar(128) NOT NULL,
  `region_id` int(11) NOT NULL,
  `location` varchar(128) NOT NULL,
  `address` varchar(1028) DEFAULT NULL,
  `phone` varchar(60) DEFAULT NULL,
  `email` varchar(60) DEFAULT NULL,
  `contact_person` varchar(60) NOT NULL,
  `url` varchar(128) DEFAULT NULL,
  `date` timestamp NOT NULL DEFAULT current_timestamp()
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `saccos`
--

INSERT INTO `saccos` (`sacco_id`, `sacco_name`, `region_id`, `location`, `address`, `phone`, `email`, `contact_person`, `url`, `date`) VALUES
(23, 'YATHU SACCO', 1, 'Blantyre', 'P.O. Box 5052, Limbe', '0888860680', 'cmotomoto@yahoo.co.uk', 'Chrissie Motomoto', 'https://admarcsacco.com/', '2023-08-28 19:10:07'),
(24, 'FUTURE SACCO', 1, 'Blantyre', 'P.O. Box 30548, Chichiri, Blantyre 3', '0888987790', 'tmindozo@futuresacco.com', 'Tendai Mindozo', 'http://www.futuresacco.com/', '2023-08-28 19:12:19'),
(25, 'MUDI SACCO', 1, 'Chichiri', 'P.O. Box 31229, Chichiri, Blantyre 3', '0999920954/0111625354', 'tsigat@yahoo.com', 'Triza Magreta', 'http://www.mudisaccomw.com/', '2023-08-28 19:13:53'),
(26, 'POLYMED SACCO', 1, 'Blantyre', 'P/B 303, Chichiri, Blantyre 3', '0999688710', 'mtbokosi@gmail.com', 'Mary Bokosi Musona', '', '2023-08-28 19:15:55'),
(27, 'PCL GROUP SACCO', 1, 'Blantyre', 'P.O. Box 30402, Chichiri, Blantyre 3', '0882228419', 'info@pclgroupsacco.com', 'Brandy Bande', 'https://www.pclgroupsacco.com/', '2023-08-28 19:17:34'),
(28, 'SUNBIRD SACCO', 1, 'Blantyre', 'P.O. Box 284, Blantyre', '01820804/ 0995105213', 'sharon@sunbirdsacco.com', 'Sharon Taona Kalea', 'http://sunbirdsacco.com/', '2023-08-28 19:39:15'),
(29, 'Mphuzitsi SACCO', 1, 'Thyolo', 'P.O. Box 175, Thyolo', '+265888066900', 'Jptembo@thyoloteacherssacco.mw', 'James Tembo', '', '2023-08-28 19:41:26'),
(34, 'CHILUNGAMO SACCO', 1, 'Blantyre', '', '0999615677', 'pchimukho@gmail.com', 'Pilirani Chimukho', '', '2023-08-28 19:45:53'),
(36, 'CHITUKUKO SACCO', 2, 'Lilongwe', 'P.O. Box 651, Lilongwe', '0999042232', 'eveness.mtowa@chitukukosacco.mw', 'Eveness Butawo Mtowa', 'http://www.chitukukosacco.com/', '2023-08-28 20:33:51'),
(38, 'MZINDA SACCO', 2, 'Lilongwe', 'P.O. Box 30396, Lilongwe', '0888546399', 'amaznyale@yahoo.co.uk', 'Maxwel Nyale', '', '2023-08-28 21:13:26'),
(39, 'KANDIYA SACCO', 2, 'Lilongwe', 'P/B 6, Lilongwe', '0997221980', 'pmwankenja@gmail.com', 'Paul Mwankenja', '', '2023-08-28 21:14:42'),
(40, 'FODYA SACCO', 2, 'Lilongwe', 'P.O. Box 40048, Lilongwe', '888364205', 'loycechinangwa@gmail.com', 'Loyce Chinangwa', 'http://www.fodyasacco.com/', '2023-08-28 21:17:30'),
(41, 'UN SACCO', 2, 'Lilongwe', 'P.O. Box 30135, Lilongwe', '+265888528873', 'jaymaluwa899@gmail.com', 'Jayne Maluwa', '', '2023-08-28 21:24:06'),
(42, 'UMODZI SACCO', 2, 'Lilongwe', 'P.O. Box 709, Lilongwe', '0995500454', 'echinjala@yahoo.com', 'Eliza Chinjala', '', '2023-08-28 21:25:01'),
(43, 'DWANGWA SACCO', 2, 'Dwangwa', 'P.O. Box 46, Dwangwa', '0999248724', 'trezamalata@broadbandmw.com', 'Treza Malata', '', '2023-08-28 21:25:58'),
(44, 'TIPINDULE COMMUNITY SACCO', 2, 'Mponela', 'P.O. Box 131, Mponela', '0999314796', 'tipindulesacco@gmail.com', 'Atusaye Mwakhwawa', '', '2023-08-28 21:26:59'),
(45, 'Dedza Teachers SACCO', 2, 'Lilongwe', 'P.O. Box 459, Lilongwe', '0995496135', 'jlonjezo@gmail.com', 'Lonjezo Josiah', '', '2023-08-28 21:27:47'),
(46, 'Mchinji Civil Service SACCO', 2, 'Mchinji', '', '0999953992', 'manganimike@gmail.com', 'Michael Mangani', '', '2023-08-28 21:28:59'),
(47, 'Kuwala SACCO', 2, 'Lilongwe', 'P.O. Box 40035, Lilongwe', '0888727318', 'gkandiona@yahoo.com', 'Grace Kandiwona', 'http://www.ahlsaccomw.com/', '2023-08-28 21:40:31'),
(49, 'LIMBE LEAF SACCO', 2, 'Lilongwe', 'Christobel Mbeya		0882211491', '0882211491', 'info@lltcsacco.mw', 'Christobel Mbeya', '', '2023-08-28 21:44:00'),
(50, 'POLICE SACCO', 2, 'Lilongwe', '', '0997245286', 'ianmwalungila@gmail.com', 'Ian Mwalungila', 'http://www.malawipolicesacco.com/', '2023-08-28 21:45:11'),
(51, 'PLAN MALAWI SACCO', 2, 'Lilongwe', 'Jimmy Kanyangala', '0991656969', 'kanyangalaj@gmail.com', 'Jimmy Kanyangala', '', '2023-08-28 21:49:20'),
(52, 'LUANAR SACCO', 2, 'Bunda, Lilongwe', 'Bunda, Lilongwe', '0999375014', 'vincentchinomba@gmail.com', 'Vincent Chinomba', '', '2023-08-28 21:50:21'),
(53, 'KASUPE SACCO', 2, 'Lilongwe', '', '0882364515', 'kasupesacco@yahoo.com', 'Florence Mtika', '', '2023-08-28 21:51:32'),
(54, 'M-UNITY SACCO', 2, 'Lilongwe', '', '0999922870', 'neema.kachali@yahoo.com', 'Neema Kachali', '', '2023-08-28 21:53:39'),
(55, 'MSILIKALI SACCO', 2, 'Lilongwe', '', '0887099426', 'vtembo@msilikalisacco.org', 'Venge Tembo', 'http://msilikalisacco.org/', '2023-08-28 21:55:06'),
(56, 'ARTS SACCO', 2, 'Lilongwe', 'Paul Banda		0994324735', '0994324735', 'paullastoncbanda@yahoo.co.uk', 'Paul Banda', 'http://www.artssacco.com/', '2023-08-28 22:21:18'),
(59, 'Rumphi Teachers SACCO', 3, 'Rumphi', 'P.O. Box 26, Rumphi', '0888571773', 'kumwendaulemu@yahoo.com', 'Ulemu Kumwenda', '', '2023-08-28 22:24:29'),
(61, 'United Civil Servants SACCO', 3, 'Mzimba', 'P.O. Box 194, Mzimba', '0888544765', 'fwaliwa@gmail.com', 'Francis Waliwa', '', '2023-08-28 22:30:22'),
(62, 'MZUZU UNIVERSITY SACCO', 3, 'Mzuzu', 'P.O. Box 2, Luwinga, Mzuzu', '0999667738/ 0888940696', 'kachondekathy@yahoo.com', 'Catherine Kachonde', '', '2023-08-28 22:31:24'),
(63, 'Kawiruwiru SACCO', 3, 'Mzuzu', 'P/B 94, Mzuzu', '0888300444', 'kayangejoyce@yahoo.com', 'Joyce Kayange', '', '2023-08-28 22:32:50'),
(66, 'SUCOMA SACCO', 1, 'Chikhwawa', 'Private Bag 50 Nchalo', '01425215/0888861133', 'sucomasacco@gmail.com', 'Malizani Gamaliel', '', '2023-11-15 14:07:00'),
(72, 'KASO Sacco', 2, 'Lilongwe', 'P.O.Box 132 Lilongwe', '0997002288', 'mawangaprecious@gmail.com', 'Precious Mawanga', '', '2024-06-24 09:59:01'),
(73, 'Chipatala Sacco', 2, 'Lilongwe', '', '0993040426', 'binalisaidi45@gmail.com', 'Saidi Binali', '', '2024-06-24 10:00:10'),
(74, 'Febco SACCO', 2, 'Lilongwe Old Town', '', '0993705679', 'ethel.musopole@febcomw.com', 'Ethel Musopole', '', '2024-06-24 10:04:47'),
(75, 'Light House Sacco', 2, 'Lilongwe Kamuzu Central Premises', '', '0993994445', 'mayendaj@gmail.com', 'Josephine Mayenda', '', '2024-06-24 10:06:07'),
(76, 'UNC Sacco', 2, 'Lilongwe UNC Premises', '', '0992657413', 'mhangosolister56@gmail.com', 'Solicitor Mhango', '', '2024-06-24 10:07:08'),
(77, 'Mwato Sacco', 3, 'Nkhatabay', '', '0888859089', 'bmzumara@gmail.com', 'Blessings mzumara', '', '2024-06-24 10:12:23'),
(78, 'Fincoop SACCO', 2, 'Lilongwe', 'P.O.Box 651 Lilongwe', '0999395098', 'mnankhonya@fincoopmw.org', 'McMillan Nankhonya', 'https://www.fincoopmw.org', '2024-06-24 10:24:14'),
(79, 'Solinica SACCO', 3, 'Mzuzu', '', '0999707472', '', 'Rev Vunda Mhango', '', '2024-06-24 10:34:37');

-- --------------------------------------------------------

--
-- Table structure for table `sacco_applications`
--

CREATE TABLE `sacco_applications` (
  `application_id` int(11) NOT NULL,
  `first_name` varchar(60) NOT NULL,
  `last_name` varchar(60) NOT NULL,
  `middle_name` varchar(60) DEFAULT NULL,
  `email_address` varchar(60) DEFAULT NULL,
  `phone_number` varchar(60) DEFAULT NULL,
  `address` varchar(1028) NOT NULL,
  `national_id` varchar(60) NOT NULL,
  `employment_number` varchar(60) DEFAULT NULL,
  `sacco_id` varchar(60) NOT NULL,
  `status` int(11) NOT NULL DEFAULT 0,
  `date_posted` timestamp NOT NULL DEFAULT current_timestamp()
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_general_ci;

--
-- Dumping data for table `sacco_applications`
--

INSERT INTO `sacco_applications` (`application_id`, `first_name`, `last_name`, `middle_name`, `email_address`, `phone_number`, `address`, `national_id`, `employment_number`, `sacco_id`, `status`, `date_posted`) VALUES
(6, 'Davie', 'Ndasowa', 'Black', 'dndasowa@muscco.org', '0996024219', 'Gulliver', 'MUS 89', 'PPTA123D', '43', 1, '2025-06-11 19:53:06'),
(7, 'Owen', 'Banda', 'Nemon', 'nchost_transfers@namecheap.com', '0882297414', 'Blantyre', 'sxe35tdyug', '123456', '53', 1, '2025-06-13 19:06:26'),
(8, 'Kelvin', 'Chongwe', 'Shongwe', 'dimfa@muscco.org', '0889915263', 'Gulliver', 'PTA 1144', 'MUS 0004', '43', 1, '2025-06-13 19:31:48'),
(9, 'PAUL', 'GUNDE', 'paul', 'paulgunde01@gmail.com', '0997889373', 'NKHOTAKOTA FROM DWANGWA', '00y6hsxv', 'jpc009', '43', 1, '2025-06-19 08:22:52'),
(10, 'PAUL', 'GUNDE', 'paul', 'paulgunde01@gmail.com', '0997889373', 'NKHOTAKOTA FROM DWANGWA', '00y6hsxv', 'jpc009', '43', 1, '2025-06-19 08:23:55'),
(11, 'Keita', 'Mwakapugha', '', 'www.seanrusselmwakapugha@gmail.com', '0886942045', 'Lilongwe area2', 'Vmy95mxm', '366903', '25', 0, '2025-07-24 05:20:26'),
(12, 'Owen', 'Bazilio', '', 'owenbazilio128@gmail.com', '+265985864147', 'p/bag 1 mayaka Zomba', '003TK66P', '', '52', 0, '2025-07-24 12:28:54'),
(13, 'Benson', 'Thauka', '', 'bensonthauka40@gmail.com', '0884361338', 'Thewa near ntcheu hospital', '00RRZGAJ', '', '52', 0, '2025-07-24 16:41:36'),
(14, 'Zeno', 'Mwatuwa', 'Zeck Anthony', 'zenomwat@gmail.com', '0884328835', 'Ministry of Energy, private bag 309, lilongwe', '00C0TMNK', '345774', '61', 0, '2025-08-03 14:44:18'),
(15, 'Samson', 'Soko', '', '', '0882593304', 'Malawi Lilongwe area 49 dubai', '21CPHRYK', '', '44', 0, '2025-08-06 14:48:52'),
(16, 'Samson', 'Soko', '', 'novacaine892@gmail.com', '0882593304', 'Malawi Lilongwe area 49 dubai', '21CPHRYK', '', '44', 0, '2025-08-06 14:49:18'),
(17, 'Samson', 'Soko', '', 'novacaine892@gmail.com', '0882593304', 'Malawi Lilongwe area 49 dubai', '21CPHRYK', '', '44', 0, '2025-08-06 14:49:18'),
(18, 'Samson', 'Soko', '', 'novacaine892@gmail.com', '0882593304', 'Malawi Lilongwe area 49 dubai', '21CPHRYK', '', '44', 0, '2025-08-06 14:49:19'),
(19, 'Owen', 'Ligomba', 'Macheso', 'owenligomba@gmail.com', '0993981998', 'Chipala fp school ,kanengo, Lilongwe.', 'VYMM8GA8', 'Sfpl 499', '23', 0, '2025-08-24 15:27:04'),
(20, 'Ayyam', 'Jumah', '', 'ayyamjumah@gmail.com', '0995121499', 'P. O Box 2051', 'T71C04QC', '', '34', 0, '2025-08-28 03:30:35'),
(21, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', '3137 Laguna Street', '1', '1', '24', 0, '2025-09-02 16:59:42'),
(22, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', '3137 Laguna Street', '1', '1', '24', 0, '2025-09-02 17:18:45'),
(23, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', '3137 Laguna Street', '1', '1', '24', 0, '2025-09-02 17:19:56'),
(24, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', 'Hmc0pPvy', '1', '1', '24', 0, '2025-09-02 17:20:58'),
(25, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', '-1 OR 2+935-935-1=0+0+0+1 --', '1', '1', '24', 0, '2025-09-02 17:20:58'),
(26, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', '-1 OR 2+955-955-1=0+0+0+1', '1', '1', '24', 0, '2025-09-02 17:20:59'),
(27, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', '-1&apos; OR 2+377-377-1=0+0+0+1 --', '1', '1', '24', 0, '2025-09-02 17:21:00'),
(28, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', '-1&apos; OR 2+172-172-1=0+0+0+1 or &apos;tAAHybKR&apos;=&apos;', '1', '1', '24', 0, '2025-09-02 17:21:01'),
(29, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', '-1&quot; OR 2+717-717-1=0+0+0+1 --', '1', '1', '24', 0, '2025-09-02 17:21:02'),
(30, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', 'if(now()=sysdate(),sleep(15),0)', '1', '1', '24', 0, '2025-09-02 17:22:27'),
(31, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', '0&apos;XOR(if(now()=sysdate(),sleep(15),0))XOR&apos;Z', '1', '1', '24', 0, '2025-09-02 17:23:20'),
(32, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', '0&quot;XOR(if(now()=sysdate(),sleep(15),0))XOR&quot;Z', '1', '1', '24', 0, '2025-09-02 17:23:53'),
(33, 'ubaTaeCJ', 'ubaTaeCJ', 'ubaTaeCJ', 'sample@email.tst', '555-666-0606', '(select(0)from(select(sleep(15)))v)/*&apos;+(select(0)from(select(sleep(15)))v)+&apos;&quot;+(select(0)from(select(sleep(15)))v)+&quot;*/', '1', '1', '24', 0, '2025-09-02 17:24:26'),
(34, 'Ron', 'Fosco', '', 'ronfosco3@gmail.com', '0998889608', 'Mpemba', '169KD1ET', 'Not employed', '26', 0, '2025-09-05 10:40:12'),
(35, 'Mary', 'Chamgwera', 'Lekereni', 'marychamgwera109@gmail.com', '0995702852/0893865784', 'Makande Community Day Secondary School p.o. box 10, Goliat', 'WHEYG21N', '', '61', 0, '2025-09-19 13:30:31'),
(36, 'Montfort', 'Kwatani', '', 'kwatanim@gmail.com', '+265881246393', 'Area 49, New Gulliver, Mbeye street', 'VN4HX6E3', '1273', '41', 0, '2025-10-04 14:25:47'),
(37, 'aLtOdmSTlWlslAiqBkCvf', 'zHoqSHWRyfixrwGOe', 'LdXWzMVshlMOJeopRpROwzzg', 'refecoziwo284@gmail.com', '5747506756', 'wDgxPSGAlHlYcFSsIdMB', 'yBzvoyrESDhUGLZjSmqFZ', 'BkirzsamEZoOUOyTVMTH', '38', 0, '2025-10-20 18:51:08'),
(38, 'Gift', 'Benson', 'Complex', 'giftbenson040@gmail.com', '+265991191606', 'Lilongwe, Area 21', 'OA2H58NT', 'Self employed', '44', 0, '2025-10-31 04:27:28'),
(39, 'SAJBAwyAHEAucyJrhjpNQow', 'pSEQAWPltarrCovA', 'sPdBknTAeepLiBXN', 'spiritlegu@gmail.com', '5202026898', 'aqLTpaRnfYSwKvMflTPH', 'BnvqUiPwlljKcacdmHLZcB', 'YTQYzWmORrbqicKMbhrFr', '76', 0, '2025-10-31 09:44:30'),
(40, 'Martin', 'Chunga', 'Lawrence', 'martinchunga.chunga@gmail.com', '991673423', 'Dept.of Disaster Management Affairs,P/Bag 336,Lilongwe', 'QK0ZW5WW', '154751', '54', 0, '2025-11-04 07:28:28'),
(41, 'Philip', 'Kabango', 'Beston', 'Philipbestonkabango1234@gmail.com', '0983496474/0990076461', 'Mvera secondary school, private bag 3, Dowa, mvera', '15B5NXYH', '', '55', 0, '2025-11-17 05:25:40'),
(42, 'Philip', 'Kabango', 'Beston', 'Philipbestonkabango1234@gmail.com', '0990076461/0983496474', 'Mvera secondary school, private bag 3, Dowa, mvera.', '15B5NXYH', '', '50', 0, '2025-11-17 05:35:00'),
(43, 'Philip', 'Kabango', 'Beston', 'Philipbestonkabango1234@gmail.com', '0990076461/0983496474', 'Mvera secondary school, private bag 3, Dowa, mvera.', '15B5NXYH', '', '50', 0, '2025-11-17 05:35:00'),
(44, 'Philip', 'Kabango', 'Beston', 'Philipbestonkabango1234@gmail.com', '0990076461', 'Mvera secondary school, private bag 3, Dowa mvera..', '15B5NXYH', '', '61', 0, '2025-11-17 22:08:10'),
(45, 'eAUYKXGcAsWHLlWcHui', 'uZTOUXaNLLTfHwFyEPrPqPJR', 'xdceAMadbfOFLaRbIiTmZ', 'iyalujey101@gmail.com', '6974070452', 'GDhqYfFPvhKoCICWHCD', 'aiTwKAvHKzxZeIjEHg', 'ayVyqxmaXZTbTTzxKYZI', '54', 0, '2025-11-18 13:53:35'),
(46, 'EsHxrqtRTvwzeXaM', 'CFtbuyubhhpjmEUNErWQ', 'PiVrdyhhHgurCrtgFMfG', 'biqarozebap293@gmail.com', '5540033647', 'EKdaISwrMUPSqqoug', 'kBKLUZXwMzBvQwJXfJuKiYdl', 'UcRvFGZkEYuYIAIYV', '24', 0, '2025-11-19 14:25:05'),
(47, 'Chrispin', 'Twea', 'Steven', 'chrispintwea@gmail.com', '0985113964', 'New Vision Private Secondary School, Post Office Box 125', 'VY5A3970', '', '25', 0, '2025-11-29 08:16:05'),
(48, 'WENASE', 'SAKA', '', 'wenase.saka@gmail.com', '+265880009877', '15/272', '15MAESC3', '', '52', 0, '2026-01-28 15:27:53');

-- --------------------------------------------------------

--
-- Table structure for table `sacco_statistics`
--

CREATE TABLE `sacco_statistics` (
  `stat_id` int(11) NOT NULL,
  `title` varchar(1028) NOT NULL,
  `file` varchar(128) NOT NULL,
  `type` int(11) NOT NULL DEFAULT 1,
  `date` timestamp NOT NULL DEFAULT current_timestamp()
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `sacco_statistics`
--

INSERT INTO `sacco_statistics` (`stat_id`, `title`, `file`, `type`, `date`) VALUES
(20, '2010 Annual Statistics ', '230827124416_2010 Annual Statistics .pdf', 1, '2023-08-27 12:44:16'),
(21, '2011 Annual Statistics ', '230827124430_2011 Annual Statistics .pdf', 1, '2023-08-27 12:44:30'),
(22, '2012 Annual Statistics', '230827124545_2012 Annual Statistics.pdf', 1, '2023-08-27 12:45:45'),
(23, '2013 Annual Statistics', '230827124617_2013 Annual Statistics.pdf', 1, '2023-08-27 12:46:17'),
(24, '2014 Annual Statistics', '230827124731_2014 Annual Statistics.pdf', 1, '2023-08-27 12:47:31'),
(25, '2009 Annual Statistics', '230827124806_2009 Annual Statistics.pdf', 1, '2023-08-27 12:48:06'),
(26, 'December 2019 Statistics', '230827124849_December 2019 Statistics.pdf', 1, '2023-08-27 12:48:49'),
(28, 'December 2020 statistics', '230827125153_December 2020 statistics.pdf', 1, '2023-08-27 12:51:53'),
(29, 'Consolidated Dec 2021 Malawi SACCOs Statistics', '230827125251_Consolidated Dec 2021 Malawi SACCOs Statistics.pdf', 1, '2023-08-27 12:52:51'),
(30, 'Consolidated December 2022 Malawi SACCOs Statistics', '230827125353_Consolidated December 2022 Malawi SACCOs Statistics.pdf', 1, '2023-08-27 12:53:53'),
(31, 'Consolidated Statistics March 2023', '230827125418_Consolidated Statistics March 2023.pdf', 1, '2023-08-27 12:54:18'),
(32, 'Consolidated Statistics June 2023 statistics', '230827125451_Consolidated Statistics June 2023 statistics.pdf', 1, '2023-08-27 12:54:51'),
(37, 'World SACCO Statistics 2020', '231004083607_World SACCO Statistics 2020.pdf', 2, '2023-10-04 08:36:07'),
(38, 'World SACCO Statistics 2021', '231004083838_World SACCO Statistics 2021.pdf', 2, '2023-10-04 08:38:38'),
(39, 'Consolidated Statistics September 2023', '231114054053_Consolidated Statistics September 2023.pdf', 1, '2023-11-14 17:40:53'),
(41, 'World SACCO Statistics 2022', '231115093519_World SACCO Statistics 2022.pdf', 2, '2023-11-15 09:35:19'),
(44, 'Consolidated Statistics December 2023', '240305073015_Consolidated Statistics December 2023.pdf', 1, '2024-03-05 07:30:15'),
(45, 'Consolidated Statistics March 2024', '240624094941_Consolidated Statistics March 2024.pdf', 1, '2024-06-24 09:49:41'),
(46, 'Consolidated Statistics June 2024', '240907083208_Consolidated Statistics June 2024.pdf', 1, '2024-09-07 08:32:08'),
(48, 'Consolidated Statistics September 2024', '241119060602_Consolidated Statistics September 2024.pdf', 1, '2024-11-19 06:06:02'),
(50, 'Consolidated Sacco Statistics December 2024', '250131070420_Consolidated Sacco Statistics December 2024.pdf', 1, '2025-01-31 07:04:20'),
(51, 'Consolidated Statistics March 2025', '250603070944_Consolidated Statistics March 2025.pdf', 1, '2025-06-03 07:09:44'),
(52, 'World SACCO Statistics 2023', '250626071228_World SACCO Statistics 2023.pdf', 2, '2025-06-26 07:12:28'),
(53, 'Consolidated Statistics June 2025', '250826054154_Consolidated Statistics June 2025.pdf', 1, '2025-08-26 05:41:54'),
(54, 'Consolidated Sacco Statistics September 2025', '251205053206_Consolidated Sacco Statistics September 2025.pdf', 1, '2025-12-05 05:32:06');

-- --------------------------------------------------------

--
-- Table structure for table `sacco_trainings`
--

CREATE TABLE `sacco_trainings` (
  `training_id` int(11) NOT NULL,
  `title` varchar(255) NOT NULL,
  `description` text DEFAULT NULL,
  `date_from` date NOT NULL,
  `date_to` date NOT NULL,
  `venue` varchar(255) DEFAULT NULL,
  `created_at` datetime DEFAULT current_timestamp(),
  `updated_at` datetime DEFAULT current_timestamp() ON UPDATE current_timestamp()
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_general_ci;

-- --------------------------------------------------------

--
-- Table structure for table `services`
--

CREATE TABLE `services` (
  `service_id` int(11) NOT NULL,
  `title` text NOT NULL,
  `details` longtext NOT NULL,
  `posted_by` varchar(60) NOT NULL,
  `image` varchar(128) NOT NULL,
  `status` int(11) NOT NULL DEFAULT 0,
  `date` timestamp NOT NULL DEFAULT current_timestamp()
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `services`
--

INSERT INTO `services` (`service_id`, `title`, `details`, `posted_by`, `image`, `status`, `date`) VALUES
(19, 'Capacity Building ', '<p><strong>CDI</strong> capacity building provision for solicited courses/sessions uses three consultations levels which are;&nbsp;Basic Technical Capacity Building,&nbsp;Technical Capacity Development, and&nbsp;Intensive Technical Capacity Development.&nbsp;Costs for such services are varied depending on customer needs.&nbsp;<br /></p>\r\n<p>General cooperatives and financial cooperatives specific training are delivered following a pre designed curriculum which clients can apply or request to delivered as inhouse or attending an arranged training session. Provision for online or virtual session are provided on need basis for this capacity building component.</p>\r\n\r\n<p><br /></p>', '23', '1692639412_service.jpg', 0, '2023-08-21 17:36:52'),
(20, 'Central Finance Facility', '<p style=\"text-align: justify;\"><strong>Central Finance Facility</strong>&nbsp;<strong>(CFF)</strong> is a Treasury function of MUSCCO responsible for providing savings and credit services to its affiliate SACCOs. It has been operating as a section under finance department in MUSCCO up until year 2024 when MUSCCO developed its new strategic plan which has restructured the Union to come up with two subsidiaries namely Central Finance Facility (CFF) and Cooperatives Development Institute (CDI). CFF has been licensed as a Secondary SACCO by Registrar of Financial Institutions in Malawi on .To this effect, MUSCCO will have a Central Finance Facility operating autonomously as a separate Cooperative entity owned by SACCOs and providing financial services to SACCOs. </p>\r\n<p style=\"text-align: justify;\">The change is necessitated by the drive to build a strong and sustainable SACCOs Liquidity Fund capable of competing with other financial sector players in providing Savings and Credit Services. Thus, SACCOs will be mobilized to create their own Cooperative Financial Institution which they will capitalize and will be accessing any form of credit for onward lending to their members and development. SACCOs have a Vision that they should no longer rely on other financial sector players to provide them with liquidity loans in case of need. Their own Central Facility Should provide all their financial services need.</p>\r\n<h3 align=\"center\" style=\"text-align: center;\"><a name=\"_Toc200541797\"></a><a name=\"_Toc200541797\">OUR VISION</a></h3>\r\n<p align=\"center\">To be a trusted financial intermediary for cooperatives, to achieve financial sustainability, growth and economic prosperity.\r\n</p>\r\n<h3 align=\"center\"><a name=\"_Toc200541798\">OUR MISSION</a></h3>\r\n<p align=\"center\">To provide innovative financial solutions and services that promote financial inclusion and foster economic development.</p>\r\n<h3></h3>\r\n<div style=\"text-align: center;\">\r\n  <h3>CORE VALUES</h3>\r\n  <p><strong>Promptness</strong></p><strong>\r\n  </strong>\r\n  <p><strong>Innovation </strong></p><strong>\r\n  </strong>\r\n  <p><strong>Solidarity </strong></p><strong>\r\n  </strong>\r\n  <p><strong>Excellence</strong></p><strong>\r\n</strong></div>\r\n<div>\r\n  <h3 style=\"text-align: center;\">PRODUCTS AND SERVICES</h3>\r\n</div>\r\n<div>\r\n  <p style=\"text-align: center;\"><strong>Investment &amp; Fixed Deposits</strong></p><strong>\r\n  </strong>\r\n  <p style=\"text-align: center;\"><strong>Savings Products</strong></p><strong>\r\n  </strong>\r\n  <p style=\"text-align: center;\"><strong>Liquidity Management Support</strong></p><strong>\r\n  </strong>\r\n  <p style=\"text-align: center;\"><strong>Credit Facilities</strong></p><strong>\r\n  </strong>\r\n  <p style=\"text-align: center;\"><strong>Fund Management</strong></p>\r\n  <h3 style=\"text-align: center;\">ADDITIONAL INFORMATION</h3>\r\n  <p style=\"text-align: center;\">Please contact us on<strong> ethindwa@muscco.org </strong>or P.O. Box 651, Lilongwe, or call 01 756 000 if you would like to utilize our products and services</p>\r\n</div>\r\n<p><br /></p>', '23', '1692639655_service 2.jpg', 1, '2023-08-21 17:40:55'),
(21, 'Consultancy Service', '<p>CDIâ€™s consulting service is to provide expert cooperatives, organizational and consulting solutions to ensure our clients make informed decisions, based on reliable information. We assist our clients in increasing the top-line as well as the bottom-line by improving processes and approaches in line with clientâ€™s business philosophy. With many years of experience in Cooperatives development that CDI Consultants have drawn from a wider Malawi Cooperative sector, we optimize and problem-solve any process.\r\n\r\n  <br /></p>', '23', '1692639819_service.jpg', 0, '2023-08-21 17:43:39'),
(22, 'Research', '<p>The institute undertakes research in a wide range of areas besides cooperatives. On cooperatives CDI continue to search for approaches that can support sustainable growth of cooperatives in Malawi and contribute to continental cooperative development. To this end, CDI liaises with the continental Africa Cooperative Development Foundation (ACDF) and local universities for knowledge sharing in in-depth policy and problem â€“centred research with a view of providing recommendations that refocus member-based organizations options and direction.&nbsp;&nbsp;<br />\r\n\r\n  <br /></p>', '23', '1692639935_research .jpg', 0, '2023-08-21 17:45:35'),
(24, 'Technical and Administrative Support', '<p>MUSCCO provide technical and administrative support through facilitation of technology transfer, staff search and placements, products design, business strategies reviews, advisory services, standardization of operations and systems.\r\n\r\n  <br /></p>', '23', '1692640331_service.jpg', 0, '2023-08-21 17:52:11'),
(25, 'Representation and Advocacy', '<p>MUSCCO as part of strengthening the financial cooperatives sector, does represent its members in different fora both local and international where sector interests are presented through dialogue and position papers presentation, and also advocate for an enabling operating environment by ensuring that the legal framework is supportive of growth of SACCOs.&nbsp;\r\n\r\n  <br /></p>', '23', '1692640589_Untitled-4.jpg', 0, '2023-08-21 17:56:29'),
(29, 'Cooperatives Development Institute (CDI)', '<p align=\"center\">\r\n  <b>COOPERATIVES DEVELOPMENT INSTITUTE\r\nPROFILE</b></p>\r\n<p style=\"text-align: justify;\"><b>COOPERATIVES DEVELOPMENT INSTITUTE (CDI)</b> is a skills development hub and research institute established based on the long experience of cooperatives development, research, strategic plan development, policies development, surveys, assessments and training in Malawi and abroad by cooperatives practitioners. The institute has a broaden delivery scope to ably contribute to domestic driven development founded on self help and support. CDI services are for member-based organizations at both micro and macro levels, programmes/projects, trade associations, individuals and researchers.&nbsp; To capacitate micro level member-based organizations, <b><i>Cooperatives\r\nDevelopment Institute (CDI)</i></b><i> </i>uses rights based and participatory approaches to mobilize, advocate for and facilitate community dialogue and action. For general cooperatives training, a modular course has been designed that is delivered in workshops and also with an option of online/virtual delivery.&nbsp; In the delivery of its services uses a wide range of experts who include researchers, consultants, trainers, marketers and academics.</p>\r\n<p align=\"center\"><b>CDI Vision</b></p>\r\n<p align=\"center\">To be a leading Cooperatives Development Centre of excellence driving innovation and improving training outcomes for cooperatives in Malawi</p>\r\n<p align=\"center\"><b>CDI Mission</b></p>\r\n<p align=\"center\">&nbsp;Empowering cooperatives through research, Consultancies training, and projects implementation, fostering sustainable economic development and social justice.</p>\r\n<p><b>SUMMARY OF CDI SERVICES</b></p>\r\n<p><b>1.&nbsp; CAPACITY BUILDING</b></p>\r\n<p style=\"margin-left: 40px; text-align: justify;\"><b>CDI </b>capacity building provision for solicited courses/sessions uses three consultations levels which are;&nbsp;\r\n  <i>Basic Technical Capacity Building,&nbsp;Technical Capacity\r\nDevelopment, and&nbsp;Intensive Technical Capacity Development</i>.&nbsp;Costs for such services are varied depending on customer needs.&nbsp; Unsolicited courses are designed and delivered based on clients’ needs. </p>\r\n<p style=\"margin-left: 40px; text-align: justify;\">General cooperatives and financial cooperatives specific training are delivered following a pre designed curriculum which clients can apply or request to delivered as in-house or attending an arranged training session. Provision for online or virtual session are provided on need basis for this capacity building component.</p>\r\n<p><b>2. RESEARCH AND SURVEYS</b> </p>\r\n<p style=\"margin-left: 40px; text-align: justify;\">The institute undertakes research and surveys in a wide range of areas; not limited to customer satisfaction surveys, baseline surveys, needs assessments, projects/programmes mid and end term reviews, etc. On cooperatives development CDI continues to search for approaches that can support sustainable growth of cooperatives in Malawi and contribute to continental cooperative development. To this end, CDI liaises with the continental <strong>Africa Cooperative Development Foundation\r\n(</strong>ACDF) and local universities and colleges for knowledge sharing in in-depth policy and problem – centered research with a view of providing recommendations that refocus member-based organizations options and direction.&nbsp;&nbsp; </p>\r\n<p><b>3.&nbsp; CONSULTANCY SERVICES</b></p>\r\n<p style=\"text-align: justify; margin-left: 40px;\">CDI’s consulting service is to provide expert cooperatives, organizational and consulting solutions to ensure our clients make informed decisions, based on reliable information leading to improved performance and achievement of goals. We assist our clients in increasing the top-line as well as the bottom-line by improving processes and approaches in line with client’s business philosophy. With many years of experience in Cooperatives development that CDI Consultants have drawn from a wider Malawi Cooperative sector and organizational development, we optimize and problem-solve any process. In the delivery of consultancy services, a catalogue of consultants has been developed and agreements drawn with experts in a wide range of professional fields. </p>\r\n<p><b>WHY WORK WITH COOPERATIVES DEVELOPMENT\r\nINSTITUTE </b></p>\r\n<p style=\"text-align: justify;\">CDI has pooled experts from both public and private sector with expertise in and not limited to cooperatives development, academia, research, strategy development, rural outreach approaches, agriculture, gender, climate financing, Management, Strategy, Finance Management, Organization Development, Leadership and many other areas that are readily available to be assigned in any project suiting their expertise either as Lead or Supporting Consultants in Malawi and beyond. CDI as a subsidiary of Malawi Union of Savings and Credit Cooperatives (MUSCCO) has over 40 years of experience in the cooperatives sector and specifically in SACCOs in the areas growth, turn around, institutional positioning, systems review, diagnostics for sustainability and policy development. Working with CDI is a strategic investment that can propel SACCO businesses and other enterprises and programmes by providing valuable expertise, improved decision-making, and a fresh perspective of the market. CDI has successfully delivered assignments in Malawi, Eswatini, Lesotho, Kenya and The Philippines. &nbsp;For SACCOs and other types of cooperatives’ CDI is a partner for continued support and follow up as part of its cooperatives’ development role, thus a consulting service forms commencement of a partnership for continued support.\r\n</p>\r\n<p align=\"center\"><b>ADDITIONAL INFORMATION</b></p>\r\n<p align=\"center\">Please contact us on leroybanda@muscco.org&nbsp;or <b>P.O. Box 651, Lilongwe</b>, or call <b>01 756\r\n000</b> if you would like to utilize our services and consulting offerings</p>\r\n<p>&nbsp;</p>\r\n\r\n\r\n\r\n<p><br /></p>', '27', '1751378625_CDI Logo.png', 1, '2025-07-01 14:03:45');

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-- --------------------------------------------------------

--
-- Table structure for table `success_stories`
--

CREATE TABLE `success_stories` (
  `story_id` int(11) NOT NULL,
  `link` varchar(60) NOT NULL,
  `title` varchar(1024) NOT NULL,
  `details` longtext NOT NULL,
  `thumb` varchar(128) NOT NULL,
  `image` varchar(128) NOT NULL,
  `posted_by` int(11) NOT NULL,
  `date` timestamp NOT NULL DEFAULT current_timestamp(),
  `status` int(11) NOT NULL DEFAULT 0
) ENGINE=InnoDB DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `success_stories`
--

INSERT INTO `success_stories` (`story_id`, `link`, `title`, `details`, `thumb`, `image`, `posted_by`, `date`, `status`) VALUES
(1, 'oiqipUomPfrngrRBoKm', 'Chawezi the brains behind tikhute app', '<div>\r\n  <p><strong>Malawi Blood Transfusion Service (MBTS)</strong></p>\r\n</div>\r\n<div>\r\n  <p>Malawi Blood Transfusion Service (MBTS) is a Trust&nbsp;that was established to provide a safe and adequate&nbsp;supply of blood and blood products to meet the needs&nbsp;of all patients in authorised hospitals in Malawi. It&nbsp;is committed to meet its objective of collecting,&nbsp;processing and testing all blood from voluntary non-remunerated blood donors in low-risk populations to&nbsp;international standards, in a cost efficient manner.</p>\r\n  <p>The MBTS is seeking suitable candidates to fill the following vacant post:</p>\r\n  <p><strong>Driver (3 Positions)</strong>&nbsp;tenable at Lilongwe Office</p>\r\n  <p><strong>Job Summary</strong><br />Reporting to the Human Resources and&nbsp;Administration officer. Driving assigned MBTS&nbsp;vehicles with responsibility and avoid putting the&nbsp;vehicles with responsibility and avoid putting the<br />lives of the passengers in danger.</p>\r\n  <p><strong>Qualifications, Experience and Competencies</strong><br />Â» Malawi School Certificate of Education<br />Â» Driving License<br />Â» Having worked in this position for not less than&nbsp;one year</p>\r\n  <p><strong>Responsibilities</strong></p>\r\n  <ul style=\"list-style-type: disc;\">\r\n    <li>Safely transporting staff and visitors, as well as&nbsp;various products to and from specified locations<br />in a timely manner.</li>\r\n    <li>Carrying out daily security, care and routine&nbsp;vehicle checks.</li>\r\n    <li>Maintaining travel log books</li>\r\n    <li>Advising Human Resources and Administration&nbsp;Officer on the road worthiness of the vehicles.</li>\r\n    <li>Performing any other duties as assigned by&nbsp;Management.</li>\r\n  </ul>\r\n  <p>Application letters, copies of certificates and Curriculum&nbsp;Vitae with at least three traceable referees from&nbsp;suitably qualified persons should be addressed to;</p>\r\n  <p>The Chief Executive Officer<br />Malawi Blood Transfusion Services</p>\r\n  <p>P.O.Box 2681\r\n\r\n  </p>\r\n  <p><br /><img src=\"data:image/jpeg;base64,[BLOB]\"\r\n      style=\"width: 306px; height: 229px;\" />&nbsp; <img src=\"data:image/jpeg;base64,[BLOB]