In Mambwe District, a group of determined women is rewriting the story of financial empowerment and inclusion. Following targeted community sensitization under the project’s inclusive livelihoods component, 18 women including those with disabilities came together to form a savings group that is transforming lives.
“We realized that when we work together and save consistently, we can achieve more than we ever could alone,” said Mary Phiri, the group chairperson. “Before this group, most of us didn’t have any idea how to manage money. Now, we not only save but plan and invest wisely.”
To promote transparency and accountability, the group collectively developed and adopted a constitution that guides its operations. The rules ensure equal participation, democratic decision-making, and fair benefit-sharing among all members, regardless of their physical abilities.
With a share value set at K50.00, each member can purchase up to five shares per cycle a flexible model designed to accommodate women of varying economic capacities. “Even those of us with little income can participate because we can buy what we can afford,” shared Esther Mwale, a member living with a disability. “This makes me feel valued and included.”
Since its formation, the group has saved an impressive K57,125, with the first share-out scheduled for 15th January 2026. The growing savings pool has enabled members to access small loans to start or expand their businesses. So far, five women have established small retail shops, while six others have strengthened existing ventures in farming and trading.
“My grocery stall started small, but through our group savings, I was able to restock and now make enough to support my children’s school needs,” explained Agness Zulu, one of the members who benefited from a group loan. “I no longer depend on my husband alone. I feel proud and empowered.”
Beyond financial gains, the initiative has built solidarity and confidence among the women. It has also demonstrated how inclusive savings models can uplift entire communities by promoting gender equality and disability inclusion.
“This group is more than just savings it’s about dignity, empowerment, and hope,” reflected Mary. “We are proving that when women, including those with disabilities, are given equal opportunities, they can change their lives and their communities.”
English