Dear Readers

Welcome to Financial Year 2013

(FY13) in the Habitat for Humani-

ty Zambia (HFH Zambia) calen-

dar. HFH Zambia has made tre-

mendous progress towards achiev-

ing its goals. I am particularly

pleased to write this article for our

newsletter which is covering quar-

ter 1 of HFH Zambia’s, FY13

reporting period. As part of the

HFH Zambia family that contrib-

utes towards breaking the cycle of

poverty through housing, it is

particularly humbling to receive so

much support, feedback and in-

deed a simple pat on the back ‘well

done team’. It gives my team and

I the zeal and zest to focus even

more on providing solutions to

housing for the poor. We take on

board all the constructive criti-

cisms and encouragements and are

committed to continue to deliver

on our promises to you.

We began the quarter on an excel-

lent note of learning and reflecting

through the Standards of Excel-

lence II (SOEII) workshop held in

Lusaka Zambia. Tony Chan (HQ,

USA) and other visitors – Sharon

Petrie, National Director for Mozam-

bique; Patrick Sambaga, National Di-

rector for Uganda, our Programme

Manager Kurayi Kowayi and Meake

Biggs from AME helped us to stream

line our efforts and appreciate the good

that HFH Zambia is doing already. We

are glad that we now have a clear and

informed road map to inform and attain

the necessary standards of excellence in

our National Programme. Still fresh

from the SOEII workshop we went into

the Strategic Choices workshop. Partic-

ipating stakeholders such as the Secre-

tariat for Micro Finance Institutions,

the Devolution Trust Fund for Water,

and the Shelter Initiative under World

Vision etc. were able to share their

experiences thereby giving us informed

choices. HFH Zambia chose to focus

on Urban Housing programme, Orphan

and Vulnerable Group Housing Pro-

gram and Housing Microfinance

Wholesale. Despite the fact that indus-

try focus is on rural development, HFH

Zambia decided to drop the Rural

Housing Programme which was identi-

fied with HFH Zambia for many years.

Of course we are glad to have served

the rural communities for 27 years. Key

to the new country strategy are cross-

cutting areas such as Volunteer En-

gagement (which forms a huge compo-

nent of our program), Advocacy, Water

and Sanitation. We now have an oppor-

tunity to synchronise our Strategic Plan

with the Global process and attain the

right deliverables in line with the Glob-

al Strategy for 2014-18.

Another milestone was the FY12 Fi-

nancial Closure which resulted in an

unqualified report. This now gives us a

clean bill for delivering FY13 delivera-

bles knowing that we are on the right

track both with our programs, manage-

ment and stewardship of the resources

entrusted to us.

Close to our hearts is the Pamwesu

OVC Project which won Irish Aid funding

in July this year. Definitely rewarding times

ahead under the Orphans and Vulnerable

groups program with the renewed partner-

ship with HFH Ireland and Irish Aid for the

next three (3) years. With the support of the

Irish Aid grant HFH Zambia will construct

137 new housing units that will benefit

orphaned and vulnerable families; raise

awareness on HIV and AIDS issues, raise

the bar on Inheritance rights and Will writ-

ing and deliver Water and Sanitation ser-

vices in 5 locations in Lusaka and Ndola.

This project will be a flagship of our Minis-

try in Zambia. Already, As I write this

article 5 families have experienced the joy

of living in a more habitable house as a

result of this project.

You will agree with me that the funding

cake continues to shrink globally however;

God is on our side as HFH Zambia has

made great strides to increase our efforts

into local fundraising among corporations.

We gave ourselves an ambitious target for

FY13 fundraising. I am glad to report that

we are well around 60% of the target al-

ready. I would like to commend my team

for this success; which we should now

transfer into joy for the home owners. We

commit to continuing our stewardship to

the resources you entrust to us and we will

continue to inspire action to end poverty

housing in Zambia. On behalf of the Board

of Directors and myself I wish to give great

accolades to everyone who has supported

us so far. We can only say, because of your

support you are making a difference to

many poor and vulnerable people in Zam-

bia for generations to come.

Our deepest condolences and prayers go to

H.E. Dr. Kenneth Kaunda our Patron and

his family who lost his wife, Mama Betty

Kaunda. We continue to commit his Excel-

lency and family in prayer.

Wishing you all God's blessings.

REDUCING THE CYCLE OF POVERTY THROUGH

LOCAL CORPORATE PARTNERSHIPS

Joseph S. Munsanje National Director-

HFH Zambia

-Lafarge renews its

commitment to commu-

nity development

-Irish Aid grant

2

-Water flows in

Palabana

-One house at a time

3

-HFH Zambia news

-Remembering—

Mama Betty Kaunda

4

Inside this

issue:Inside

this issue:

Fiscal Year 13 July-September 2012

www.habitatzam.org.zm Are you a HFH Affiliate looking for somewhere to tithe? HFH Zambia Program needs your support today.

Editorial team

Linda Sharon Mafonko

Sakalima Yoyo

Joseph S. Munsanje

Musoli Kashinga

Lu

sak

a In

tern

atio

na

l Irish

Stu

de

nts visit

SO

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sho

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In 2011-2012, Lafarge Zambia partnered with Habitat for Humanity

Zambia on its Vulnerable Group Housing to accelerate and broaden

access to affordable housing as a foundation for breaking the cycle of

poverty. Lafarge Zambia donated 1008 bags of cement for 32 housing

units (reaching approximately 200 direct beneficiaries) to have decent,

durable shelter in Lusaka, Ndola, Chongwe, Chibombo, and Kaoma.

As HFH Zambia we are truly, inspired and humbled at the like-

mindedness of Lafarge in that a further commitment of 3,675 bags of

cement will be donated to HFH Zambia and contribute towards our cur-

rent fiscal year FY13 (1st July 2012 to 30th June 2013). This new sup-

port will contribute towards the HFH Zambia program in construction of

a total of 105 housing units as follows; 90 housing units under our urban

housing program, 15 housing units in our rural program. This gesture

demonstrates Lafarge’s commitment to eliminate poverty housing in

Zambia and the world over. Their long term view of supporting Habitat

for Humanity Zambia programmes demonstrates that Lafarge wishes to

attain maximum impact; in line with its motto “bring materials to life”.

Thank you Lafarge!

LAFARGE ZAMBIA RENEWS ITS COMMITMENT TO REDUCING THE CYCLE OF POVERTY THROUGH

HOUSING

Page 2 Habitat for Humanity Quarterly Newsletter

THANK YOU TO THE

PEOPLE OF IRELAND!

LISTER’S STORY

In July 2012, HFH Zambia

through its partnership with

HFH Ireland was granted a

three year grant that will im-

prove the lives of Orphans and

Vulnerable Children and their

caregivers through the provi-

sion of adequate housing, wa-

ter and sanitation services, the attainment of land

tenure rights, facilitation of livelihoods and an

increased knowledge and understanding on the

prevention, care and treatment of HIV/AIDS.

Through this project HFH Zambia will construct

137 new three roomed housing units with VIP

latrines and drill 5 hand pumps that will improve

access to clean water for more than 1,200 direct

beneficiaries in Lusaka and Ndola. HFH Zambia is

extremely excited about this

project and looks forward to

contributing towards changing

the lives of poor people for

generations to come.

The saying that goes ‘poverty bears a woman’s

face in Africa’ is evidently true when you meet

Lister Matani Kamwendo a 74 year widow who

takes care of her two (2) grandchildren -

Lovemore Ndhlovu (16 years) and Joyce

Ndhlovu (15 years) as a result of the death of her two chil-

dren in 2001. Despite the fact that Lovemore and Joyce are

school going age they have never stepped into a classroom

because of lack of funds to support their education.

Lister has not had a break on the struggles that come with

being poor; missing the basic needs of life such as food, access

to water and most importantly adequate shelter to keep her

family safe. Lister says that it was particularly difficult in

the rainy and cold season for the grandchildren because she

had poor shelter the mud house would let in the cold in the

winter, flood and crumble during the rainy season. Simple

things that we all take for granted such as taking a bath or

drawing water are a challenge for this family as their only

source of water is from a neighbors shallow water well which

is not treated. Sanitation for this family is also a challenge

because Lister and her family do not have a latrine or bath-

ing area.

Lister does not have a steady flow of income as she is very old

and physically handicapped and relies on the generosity of

neighbors who pay her for weeding their gardens. The health

of the family is left to God’s care Lister explains.

“We are lucky that the government introduced

free health care, otherwise we could have died a

long time ago. The only clinic in Chipulukusu is

called Chipulukusu clinic is at least accessible

and is less than a kilometer”. - Lister

Lister was identified through HFH Zambia part-

nership with Samaritan Strategy Foundation of

Zambia and has since moved into her new Habi-

tat home.

Lister’s new house was constructed by an Irish

Global Village team lead by Michael Nugent

who is a committed friend and supporter of HFH

Zambia. Over the years, Michael has through

his network of friends raised significant

amounts of money for the vulnerable group

housing program in Zambia and HFH Zambia

can only say thank you – “we appreciate your

continued support to Zambia, blessings on you

always and see you in 2013!”- Joseph Munsanje

(National Director)

Thank you Michael Nugent, Gavin and Stephen

In September 2012, HFH Zambia entered

into a ZMK100,000,000 partnership with SAB-

Miller Zambia group of com-

panies; Zambian Breweries

and National Breweries to

improve the lives of a farming

community in Palabana about

47 kilometres from Lusaka

City Centre. The partnership

support includes the rehabili-

tation of 3 water hand pumps,

providing training in health

including prevention and management of

HIV/AIDs and malaria. Entrepreneurship

skills and basic business management train-

ing will also be provided to more than 120

members of the Palabana community includ-

ing women and youth. Prior to this interven-

tion, Palabana had only two public safe water

points (one at the market and another at a

school) which have been poorly maintained

and managed and were no longer functioning

effectively to meet the water needs of the

community.

The provision of safe water means significant

reductions in water-borne diseases such diar-

rhoea and other sanitation related illnesses

especially among children. Receiving the

rehabilitated

pump at Palabana

Basic School, the

Head teacher Mr

Daka said ‘it is a

dream come true

as the school did

not have adequate

supply of water

since the hand

pump broke down years ago. We will no

longer spend hours looking for water, nor

will the community have to depend so heav-

ily on the Palabana agricultural college for

water supply. And Zambian Breweries Plc.

Managing Director Anele Malumo said that

the SABMiller companies in Zambia contri-

bution to the Palabana community was in

line with the organisations corporate social

responsibility focus and is aimed at improv-

ing access to clean water for the rural com-

munities, thereby decreasing incidences of

water borne diseases. Deputy Minister of

Community Development and Early Child

Hood Dorothy Kazunga said the donation

could not have come at a better time than

now at the begining of the rainy season

when there are higher indecencies of water

borne-diseases. She said it was important

that the private sector continues to support

government efforts in reducing poverty

and that the community should guard

jealously the investment that had been

made by Zambian Breweries and Habitat

for Humanity.

The project will further provide decent

housing to selected members of the Pala-

bana community by contributing the

roofing materials of 15 housing units in

PIKK project resulting in 90 individuals

living in safe, healthy homes by June 2013.

It is expected that the project will strength-

en the capacity of women to form savings

groups through financial literacy trainings

and management by June 2013.

Thank you SABMiller!

CLEAN WATER FLOWS IN PALABANA

In August 2012, Stanbic Bank Zambia responded to HFH Zambia’s call

to action on Volunteerism and donated ZMK25, 000,000.00 towards

HFH Zambia programs. Speaking on behalf of Dennis Kennedy the

Managing Director of Stanbic Bank, Head of Marketing and PR, Kami-

za Chakula said that this donation was part of their commitment to

community development and in celebration of 150 years of operation as

Standard Bank Group. Speaking at the same occasion, Deputy Minister

of Social Welfare, Mother and Child Health, Hon. Jean Kapata MP said

that Government recognized the fact that any shortfall in the housing

sector could trigger severe negative impacts on social welfare, the envi-

ronment and the general performance of the economy and that it why

private sector involvement in development was very important and

must be encouraged. The event was also graced by Stanbic Bank and

HFH Zambia staff, SOS Children’s Villages and HFH Zambia Board

Chairperson.

ONE BRICK AT A TIME

Page 3 Fiscal Year 13

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www.habitatzam.org.zm

HFH ZAMBIA LAUNCHES NEW MORTGAGE REPAYMENT SYSTEM

HFH ZAMBIA IMPROVES ACCOUNTING SYSTEM AND ICT

INFRASTRUCTURE TO SERVE CLIENTS BETTER

Contact us: HFH Zambia, Stand 42, Kudu Road, Kabulonga, Lusaka . P.O Box 34987, Zambia Email:

lsharon@habitatzam.org.zm & rdchfhz@gmail.com Tel: +260 211 251087 Fax: +260 211 251578

OPPORTUNTIES FOR FUNDING

90 New houses to be constructed on Zambia Urban Housing Project—cost per house ZMK20,600,000

(USD$4,120)

15 New houses to be constructed on PIKK Rural project—cost per house ZMK 16,840,000 (USD$3,368)

GRANTS: Irish Aid Grant approved in April which aims to construct 137 new houses for Orphans and Vulnerable

Children over three years starting 1st July 2012:

44 New houses to be constructed on Pamwesu OVC Project –cost per house ZMK 26,400,000

(USD$5,280 ) -including program sustainability costs

SNAP SHOT OF FY13 PLANS FOR HFH ZAMBIA

Our deep-

est condo-

lences to

H.E. Dr.

Kenneth

Kaunda –

Patron of

Habitat

for Hu-

manity

Zambia,

the bereaved family, friends and the

entire nation. We all have lost a great

woman - mother of the nation, foun-

tain of hope and inspiration. H.E. Dr.

Kenneth Kaunda and family, we hope

that this message may comfort you in

the very painful days to come. Our

thoughts and prayers are with you and

your family at this sad time.

HFH Zambia has upgraded its Sun Ac-

counting System from version 426 to

version 433. The v433 comes with the

enhanced Info Q&A that allows easy

inquiry and generation of accounting

information. The Finance and Admin-

istration Manager, Makasa Luombe

expressed joy and satisfaction at the

upgrade of the accounting package.

“This has been made possible with the

support of HFHI AME office”, he said.

Commenting on the upgrade, Makasa

said “the upgrade will enable us pro-

cess transactions faster given that we

have not only upgraded the Sun Sys-

tem, but we have also acquired new

computer hardware. The old Sun V426

was running on a very old computer

and this tremendously reduced our pro-

cessing speed. With a new computer

and server installed, our accounting

information will be processed faster and

our data security will be enhanced.”

He further revealed that a new Loan

Tracking System (LTS) will be installed

during the middle of quarter 2 that will

greatly improve our mortgage debtors’

management system and result in im-

provements on our loan recovery ratios,

which are currently a major source of

concern to management. With the new

LTS, HFH Zambia will be able to gen-

erate monthly statements which will be

sent to homeowners so that they know

at each point in time how much is out-

standing on their mortgages.

Since 1984, HFH Zambia has been calculating

its loan to clients through a system known as

Cement Index (CI). CI is a system of convert-

ing the loan into bags of cement at the prevail-

ing rate of the day. However, due to the insta-

bility of the economy which affects the price

of cement this used to cause confusion among

HFH Zambia beneficiaries who are mostly not

conversant the effects of inflation as the

monthly loan repayment would fluctuate as

cement prices changed. Furthermore, an anal-

ysis of the monthly repayment indicated as a

proportion of cement bag e.g. 2.3 bags per

month caused further confusion. At the time

when the economy was stable this worked

very well.

It is for the above reason that HFH Zambia

has introduced a new fixed mortgage repay-

ment system that will be calculated at a

onetime percentage fee of 6.5. This will be

calculated by taking the total amount owed

and adding a onetime 6.5% fee based on the

amount owed to cover the cost of inflation.

The total amount will then be divided even-

ly over the term of the loan, and equal

monthly repayment will be paid until the

loan is paid off. All existing mortgages will

be recalculated to reflect this change and all

new mortgages will be issued under this

repayment system.

HFH ZAMBIA

PROJECT UPDATE

CELEBRATING THE LIFE

OF MAMA BETTY KAUNDA

PAMWESU OVC 5 housing units constructed out 12 tar-

geted new units

ZAMBIA URBAN HOUSING PRO-

JECT (ZAMUHP)

15 housing units constructed out of the targeted 24 new units

PIKK RURAL PROJECT 3 housing units constructed out of the

targeted 8

To direct the change over and training

exercise for the validation process and

new system Team Leader Milandu

Dubeka with the support of Paul

Mwanza have successfully for the

period July – September 2012 validat-

ed loans in Kawana A & B, Ibenga,

Nkwazi, Chipulusuku. The team tar-

gets to complete the validation by

November 2012 for projects in Twapia

and Kaniki, Palabana, Katete and

Tiyende Pamodzi.