https://www.tivwanemoney.com/home-1 daily 1.0 2023-09-02 https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/53bc0280-df41-4520-9c41-d8f59a68b177/ZIP+PAGE-1.jpg Home https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/fd3099c4-5317-4dad-bd34-0c4768417061/Tivwane+Money+Solution+-+Runner-up+-+Climate+Adaptation.jpg Home https://www.tivwanemoney.com/home daily 0.75 2020-06-24 https://images.squarespace-cdn.com/content/v1/5ce592c8732098000152407a/1558724171005-TU51L0OZV7OUNYCAVJGE/static1.squarespace-2.jpg Home - Yoga Aerobics https://images.squarespace-cdn.com/content/v1/5ce592c8732098000152407a/1558723932145-HJ8HKUISR89GJ9KM604C/image-asset.jpeg Home - Instructor Training https://www.tivwanemoney.com/about daily 0.75 2020-06-28 https://images.squarespace-cdn.com/content/v1/5ce592c8732098000152407a/1562825944668-6924WVA1UIKI1IQA5GFZ/Aro-Ha_1182-copy.jpg About Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Photography by Aro Ha https://www.tivwanemoney.com/classes daily 0.75 2022-07-22 https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/534a6611-71ea-4297-ae54-87ed209e9ac1/BUSINESS+PICTURE.jpg Products - Microloans Microloans involve lending small sums of money, often just a few hundred dollars, to people who do not have a measurable credit history, assets to secure the loans, or access to mainstream financial providers. They are designed to be realistic and affordable for borrowers. When they are repaid, the funds are recycled to other borrowers. This way a fund can support a number of different enterprises and help build a diverse and sustainable local economy. We provide solar pump loan: The goal of providing Futurepumps solar loan to small scale farmers is improving access to irrigation for farmers in water-scarce areas like Zambia, improving resilience to climatic changes such as increased drought frequency and severity. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/70d55ded-8563-4479-b56d-e7f87f3c1a69/TMS+CUSTOMER.jpg Products - Agriculture Asset based loans We provides asset-based Loans to small scale farmers (mostly for horticulture farming) Farmers receive high-quality seeds and fertilizer and chemicals on credit, and we offer a flexible repayment system that allows them to pay back their loans on agreed amount throughout the loan term. Agri-business Loan extension and financial literacy trainings: involves availing Asset based loans to farmers, at friendly market rates, either as individuals or groups, to enable them access Agro-inputs (hybrid seeds, fertilizers, and agro-chemicals), solar powered pumps and other horticulture equipment’s and machineries available, Farmers are trained on loan management and other financial and enterprise management skills to enable them understand and fulfil their loan obligation. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/1593367999188-3ULXCKPFUV8QZU1OSWM3/tivwane8.jpg Products - Micro-savings Savings programmers enable those without a reliable and regular income to save funds to be used in the event of disaster or misfortune. Micro-savings accounts help ensure safety and security of funds and pay a small bonus on the money saved. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/1593368194050-3O60DFO08FZK9FPD2TC4/tivwane10.jpg Products - Micro-insurance Crop insurance enables clients to guard against the failure of their crop through lack of rain or natural disaster. Health insurance helps provide funds when a member of the family is sick or worse still dies. This enable us change intangible products to tangible (Provision of financial inclusion to smallholders to enable them have access to useful and affordable financial products and services that meet their needs transactions, payments, savings, credit and insurance. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/1593704007731-6R5PE2IA7CJA2HWMTDSQ/tivwane13.jpg Products - Provision of Financial Inclusion Financial inclusion is the key to enable reduce poverty and boosting prosperity. The essence of providing financial inclusion to rural communities in Zambia is to enable them have access to useful and affordable financial products and services that meet the needs of individuals and businesses delivered in a responsible and sustainable way – such as transactions, small loans, overdrafts payments, savings, credit and insurance. We Support financial inclusion of smallholders and rural people through increased and sustainable access to a variety of financial services – savings, credit, remittances and insurance, etc. – to enable them to invest in productive activities, both agricultural and non-agricultural, and protect themselves against risk. Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/1593704144720-QTBLFUJSYP9APDEWU1V7/tivwanemoney15.jpg Products - Savings Group Loan Linkage Product This is a loan product which is provided to village banking savings groups which are in operation with SNV, CARE, CRS, PLAN DAAP. The loans will be given to village savings groups at very affordable interest rate with three months grace period. The loans will be given mostly to Village banking savings groups who are in second circle and the Maximum amount for a loan a group can qualify is fifty percent (50% of last share out) and the loan will be given at low interest rate compared to savings group interest rate to enable Village savings Association (VSLA) make more profit. The product has three months grace period to enable members in savings groups accumulate more profit after lending to individual members. As Microfinance (MFI) Will not lend to individuals but savings groups and the savings Group decide whom to give depending with ability of members to pay back the loan, all members must agree https://www.tivwanemoney.com/our-instructors daily 0.75 2022-06-25 https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/1593638871155-XRHNR7PCWKXCGVY01QBM/ttivwane12.jpg Team - Agripa Maposa, CEO & Founder Agripa Maposa is the CEO and founder of Tivwane Money Solution Born and raised in Zambia.He has 11 years work experience of which 8 years in microfinance, he has worked with Madison Insurance Company as Team Leader. Barclays bank Zambia as Sales Marketing officer, Vision fund Zambia in various positions including managerial positions where he was actively involved in creating PPA with other Organizations in project implementation with world Vision Zambia International. Mr. Agripa Maposa Hold BA. In Business Administration with University of Zambia. He holds two certificate in Agribusiness Financing value Chain and financial management. Mr. Maposa has participated in strategic planning, leadership development and organizational management with vision fund Zambia the subsidiary world vision Zambia international. Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/5d750f2d-7685-467e-a21f-29a9c7879e2e/chris+T.png Team - Chris Taylor. President & Chief Executive Officer. GTiPay USA. Mr. Taylor is founding Partner of Tivwane Money Solution and also is the Founding Executive Director of GTiPay Group. GTiPay is a mobile banking is a first mobile banking platform with advanced features, a powerful application that can run independently, or be partnered with financial institutions to provide customers with instant access to their funds wherever and from any part of the world. Previously, Chris was a Founding Executive Director of CTMS Group, where he was an F1 engineer and technical director for OEM international motorsport programs. He served as development engineer in advanced light weight material vehicle design, power train development and manufacture of specialized vehicles for automotive & aerospace programs implementing ULV3 Technology. Chris has a Degree in Mechanical Engineering from the University of Buckingham Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/0c7076d4-a09f-4283-8597-839de039e53e/CHRISPINE+B.jpg Team - Chrispine Banda,Co-Founder Chrispine Banda is the Co-founder of Tivwane Money Solution. He has 8 years of work experience of which he has 7 years vast experience in Administration with Government of republican of Zambia in Education Department as the Administration Manager. Mr. Banda is a teacher by profession with a bachelor degree in secondary education he also Holds Advance Diploma in primary Education. Mr. Banda is hard working and passionate to work in Microfinance Company. Mr. Banda is working as Administration and Humana resources Manage in charge of HR department. Joined Tivwane Money Solution as a Co-Director and also play the roles of the Human Resource and Administration Manager. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/407ae4d1-5100-43db-b28f-c52acb73b5cd/EDWIN+PICTURE.png Team - Edwin Ulaya ,CFO. Mr Ulaya Edwin has over 12 years work experience in industry having worked for several organizations that include Walis Chartered Accountants and Vision Fund Zambia where he held various senior positions in Management among them as a Regional Head – Finance and Administration He holds a Degree in Accountancy from the Charted Accountants Zambia qualification. He is a Fellow member of Zambia Institute of Chartered Accountants (ZICA). Edwin has attended a number of trainings in Business and Finance, Strategic Planning and Management, High performance Leadership, Tax Management & Planning, Performance Management, Anti-money Laundering, customer care services and many others https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/9ea4507e-6353-4c42-93b0-5bb5b493bfac/Jene+pic.jpg Team - Janet Jere , Acting COO. Janet Jere is the Acting Chief Operations Officers(COO) of Tivwane Money Solution.She hold Bachelor of Arts Degree in Public Administration and Development Studies obtained from the University of Zambia in 2017. She is also a holder of a certificate in Statistical Package for Social Sciences (SPSS) and a certificate in Monitoring and Evaluation. She is a computer literate with excellent skills in most computer applications/packages including Microsoft Office. Responsibilities: Provide management to staff and leadership to the organization that aligns with the company’s business plan and overall strategic vision. Assist executive team members in creating, growing and building a world class, industry leading organization. Drive company results from both an operational and financial perspective working closely with the CFO, CEO and other key executive team members. Partner with the CFO to achieve favorable financial results with respect to sales, profitability, cash flow, mergers and acquisitions, systems, reporting and controls. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/e9749dc7-1a5c-4838-9122-b481704ec4bb/IMG_20220414_165154_910.jpg Team - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.tivwanemoney.com/location daily 0.75 2020-12-03 https://www.tivwanemoney.com/impact daily 0.75 2020-12-10 https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/1593639177296-GDD6FU2CJIPAJKBUT7D1/tivwane14.jpg Impact - Tivwane Money is different from most financial institutions as its microfinance services are integrated into the development of financial inclusion and capacity building programs we work NGOs who carry out development programmers in health, water, sanitation, education and economic development. Together we work to improve the lives of women and children living in poverty. Working within these area development programmers, our microfinance support enables people to develop a reliable source of income and a livelihood. This is often the difference between subsistence living and making a small profit to improve food quality, health or to send children to school. By providing small loans and other financial services, we help people turn their ideas into small businesses to support their families. Our staff are known and trusted by the communities they serve. They understand their clients’ needs and their culture. As well as providing financial services, they also give trusted advice and share their know how to help our clients succeed in building sustainable enterprises. We base our products and services on extensive research and development with target customers in partnership with other private firms in the in Zambia, this helps us target and develop solutions that fit the needs of farmers in our market better than alternatives. Value-added: we have add value to our financial services products such as financial inclusion and capacity building training which has made our products unique in the category this has attracted more customers to buy our product at profitable interest. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/1607633860446-4GSV853H1VBG3IU6DCUD/TivwaneMoney-AtineePhri2.PNG Impact - Atiness Phri Tivwane Money Solution Client from Katete Branch Eastern Province of Zambia (left in picture) Atiness Phri is a 44 year old women with 7 children living in Ibex compound Katete District of Eastern province of Zambia. Atiness learned that she could start a business with a very small amount as low as $50 and she managed to buy and grow vegetables (cabbages, tomatoes beans and potatoes). She began selling them on the market she was running though had poor quality business skills. She didn’t know how to manage her business properly such as how to calculate profit, how to separate her home expenses from business expenses, and even though she was in business since 2005, her business could not grow due to lack of capital and poor business skills. In 2019, she decided to get a business loan from Tivwane Money Solution’s Microfinance Katete Branch. Her goal was to expand her business by ordering other vegetables she could not sell on the market, Atiness did not have much collateral to use as a surety (just one upright fridge). She could not manage to borrow money from bank or other money lenders due to insufficient collateral and the small size of her business. Atiness managed to apply for a loan of $100 in three months that was a first circle loan from Tivwane Money Solution Katete Branch. Before she received the loan, she completed entrepreneurship training skills and financial inclusion training where she was trained how to manage a business. She learned how to calculate net profit and how to separate business expenses from home expenses. Due to her book keeping and budgeting skills, she managed to make a very good profit for the first time and managed to buy a 42” Plasma television, paid for her children to go to school. When this loan came to an end she qualified to apply for another second circle loan of $200 which she received in a 4 months period. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/1607633489193-I7B0GUQU825RCGMYYD6I/TivwaneMoney-AtinessPhri.jpg Impact - Atiness Phri has increased the size of her loan 10x in the last 2 Years Atiness performed very well from the loan without defaulting even single day, hardworking and skill she was taught from Tivwane money solution helped her to grow her business in no time, the community started recognizing her as the hard worker. Atiness is a very hardworking woman. She is very clever. She’s a good listener,” says Memory Banda The credit supervisor “I taught her how to do gross margin analysis. She managed to find markets in Katete. .Memory says that small entrepreneurs or marketers had so much to learn. “When she started,” she says, “the marketers didn’t know how to collect commodities together from the gardens where they order them, now she sells a lot of goods at a better price. She does not wasting fuel and time.” Because she has savings and farmers are now able to bring their produce to her and she buy them from their gardeners in bulk then she sell them when prices are high instead of selling them at low prices right away for fast cash. Atiness has been getting loans with Tivwane money solution for two years now and this month she has applied for a loan of $1000 the biggest amount since she started accessing loans from Tivwane money Solution. With her previous loan she got she managed to pay for her child at the University of Zambia and managed to purchase a plot where she wants to build her own house. Her husband is not working Atiness is the one taking care of children. Her business has now grown now that even other small scale entrepreneurs or marketer are coming to order goods from her shop at the wholesale price. She encourages other women and small entrepreneurs to get a loan from Tivwane Money Solution where they don’t just give loans but where they provide entrepreneurship skills and financial inclusion training to help small entrepreneurs run a very profitable and successful business.Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/1607636044492-4TC7D47L3Z7L92CS5SIE/TivwaneMoney-OtherStory.PNG Impact - Further benefits of Agriculture Loans to the Eastern Province of Zambia. Tivwane Money Solution’s financial services have added value to the economy of Zambia (especially small scale farmers) by increasing smallholders’ productivity, increased smallholders’ incomes, diversified rural livelihoods, Increased decent work opportunities in rural areas. Tivwane Money Solution’s financial services and entrepreneurship skills provided to small scale farmers has reduced poverty and made improvements in general welfare such as education, health, nutrition and women’s empowerment. This has increased smallholders’ incomes, diversified rural livelihoods and Increased decent work. It has also Increased access to reliable and affordable finance for agriculture among smallholders especially women by increasing the access of poor people to financial services. Tivwane Money Solution Business Loans have reduced poverty and unemployment in Zambia, improved the livelihood of people through better food security and thereby contributed directly to economic growth. Business and Agriculture Loans have also enhanced agricultural production and improved livelihood of thousands of small customers 3 districts of Eastern province of Zambia (Katete District, Petauke District and Lundazi District). https://www.tivwanemoney.com/about-1 daily 0.75 2022-09-05 https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/537fb448-dfb9-4d95-b1e3-7a228b261564/VEGE+PIC.jpeg About - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/cf6e0df1-d52b-4ef8-9585-a2f2a04b2055/TIVWANE+PICTURES.jpeg About Tivwane Money was established in 2018 to provide microfinance services and social programs to low-income people in Zambia. Our financial products are aimed at empowering communities by providing access to credit as well as training in business related areas. We focus on helping the economically poor and active members of communities, with a special focus on women. Through our Microfinance initiatives, we serve more than 2000 clients across Eastern Province of Zambia. We provide small loans to small scale farmers and small entrepreneurs as capital to improve access to services in rural areas – health, education, security and utilities, as well as commercial and financial services, Improve access to financial services for both men and women to a range of productive (asset accumulation, working capital) and protective (mitigating risk exposure, including health issues) purposes. Our financial services enable impoverished households to increase their incomes. We train clients to grow successful businesses using their income to support their children and families. We unlock economic potential for communities to thrive. Working together with NGOS, we enable communities to increase economic activity, access clean water, education and healthcare, benefit from improvements to nutrition, and provide the foundations for local economies to flourish. https://images.squarespace-cdn.com/content/v1/5ef3a5bc3bd4594e3b9b3733/1593631637180-8LWH2VAFZEH7HCQ1EEED/TIVWANE11.jpg About https://www.tivwanemoney.com/book-a-class daily 0.75 2020-06-28