Zambian Teachers Forum Academy

Zambian Teachers Forum Academy

Comments

Looking for a loan call 0964171503
GOD IS MY FIRST PRIORITY.
I NEVER GIVE UP ON WHAT I START.
I BELIEVE IN KINDNESS
I HATE MOST GOSPERS.
Any teacher from Mbala to come to Lupososhi. Lupososhi is a District between Luwingu and Mansa. I'm at school which is 25 km from Luwingu along Luwingu Mansa road and there is electricity, SS-G. If you are serious hit my imbox or call/whatsaap me on 0967399979. Lets swap
Any teacher from Mbala or Mpulungu to come to Lupososhi. Lupososhi is a District between Luwingu and Mansa. I'm at school which is 25 km from Luwingu along Luwingu Mansa road and there is electricity, SS-G. If you are serious hit my imbox or call/whatsaap me on 0967399979. Lets swap
This is very true and Bayport has been an unkind financial lending institution ever with 60% long term liability. To me this is a good move by the government and a stop to loans. I suggest the government reserve the right to loans and instead increase salaries to alleviate civil servant's variable expenses.
Emmanuel Mwamba
GETTING CIVIL SERVANTS OUT OF THE DEBT TRAP
By Amb. Emmanuel Mwamba
Government has announced an exciting initiative to get Civil Servants out of the debt trap that they have found themselves in.
BACKGROUND
In 2004, Government introduced financial sector reform strategy through the Financial Sector Development Plan (FSDP) as a mechanism.
The FSDP identified a range of areas for improvement in the financial sector including:
(i) levels of financial
intermediation;
(ii) credit culture in the market; (iii) the role of the Government in the financial sector;
(iv) the regulatory framework for Non-Bank Financial Institutions (NBFIs), insurance and pension funds;
(v) the development of the capital market;
(vi) long term development and housing finance; and
(vii) monetary policy instruments.
RISE IN PAYROLL CREDIT
Following the financial reforms, there emerged a rise in payroll based credit.
A payroll loan is a general purpose loan, widely referred to as a personal or a consumer loan in which the access to credit is provided.
This is provided by both banking and non-banking financial institutions.
The loans tend to be short-term loans repaid over 1-3 months.
The loan could also be long-term with some institutions offering loans with recoveries spread to 48 or 60 months period, especially for relatively large amounts.
The security undertaking is assured by the future income of the borrower hence they are granted on the basis that the borrower can prove that they will be in employment and will remain so for the foreseeable future covering the duration of the loan, hence civil servants who have security of tenure for periods considered for the loans are targeted.
The loans are used for a variety of activities, from home/land purchase to home repair, to purchasing large moveable assets such as a car to meeting daily needs as well as life-cycle expenditures such as school fees and funeral costs.
These reforms brought about the rise in payroll-based lenders in the market targeting employees in the formal sector.
Current estimates indicate that the total number of formally employed persons in Zambia is approximately 900,000, of which 500,000 work in the private sector and 270,000 work for Central or Local Government.
An additional 60,000 work for parastatals, with the remaining 70,000 working for non-governmental organisations (NGOs) or other entities.
A plethora of micro-finance institutions emerged relying heavily on civil servants' loans and the security of recoveries done centrally through the PMEC Payroll system.
The Payroll Management and Establishment Control (PMEC) is a payroll system established to monitor and control expenditures on personal emoluments in the Public Service.
Microfinance institutions lend at higher rates of around 50-60 per cent and has led to civil servants and other workers trapped in a vicious debt cycle.
GETTING CIVIL SERVANTS OUT OF THE DEBT TRAP
The processes being employed to help the civil servants out of a debt trap are several and include.
1. DEBT SWAP
Here, a Civil Servant owes government and the government owes the civil servant.
The two parties cancel each other's debt. If one of the party owes more, then the one who owes more settles the difference.
2. DEBT DISMANTLING
Here, Government owes a civil servant a debt for example accruing from terms of employment such as Settling Allowance, Leave Pay, Long-service bonus etc.
In this regard, Government has already started to dismantle this debt by paying out actual cash to employees who are owed. In June 2021, Government released over K200 million for this particular purpose.
3. DEBT RESTRUCTURING
In this case, Government will pay off the debt which Civil Servants owe third-party financial institutions.
Government will transfer the loans to the newly created Public Service Micro-Finance Company.
This is a Government owned micro-finance company. In this case Government will restructure the loans by lengthening the repayment period and lowering the interest rates.
Government has since frozen any loan recoveries for a period of three months as the process is undertaken.
The sum total of these measures will result in improved take-home pay for the civil servants and a path out of debt.
CONCLUSION
Payroll lending especially predatory lending perpetuated by micro-finance institutions requires regulation which should limit debt repayments and debt deductions.
But overall, the solution lie in the recovery of the economy from recession that has been pummeled by the Covid-19 pandemic and by earlier factors such as disasters, floods, droughts, energy shortage, and local and foreign debt.
What is your view?
Welcome to GO LIKE....
GOLIKE WILL NEVER FORCE ANYONE TO RECHARGE AND UPGRADE.
THOSE THAT ARE READY TO RECHARGE AND UPGRADE TO THERE VIP LEVEL OF THERE CHOICE HERE ARE THE CHARGES FOR EACH MEMBERSHIP
Click on the link below to register and join Go like
https://www.mm8.vip/Public/reg/smid/15JZF9
Use this link to sign up.
15JZF9 and use this as your invitation Codehttps://www.mm8.vip/Public/reg/smid/15JZF9
Use this link to sign up.
15JZF9 and use this as your invitation Code
Below is our [Go Like] Unbeatable Compensation plan.
πŸ”΄ [GO LIKE] will pay you 100 times more than your current job earnings
πŸ‘‰New members you will earn k36 during your free trial after there days
Day 1 you will make k12
Day 2 you will make k12
Day 3 you will make k12
Total will be k36 for three days
Then you have to choose the membership of your choice below πŸ‘‡ πŸ‘‡
πŸ• VIP1️⃣
πŸ’Ž VIP fee K108
πŸ‘‰ Daily income K4.5
πŸ‘‰ 60 days income K270
πŸ•‘ VIP2️⃣
πŸ’Ž VIP fee K375
πŸ‘‰ Daily income K15
πŸ‘‰ 60 days income K900
πŸ•‘ SVIP
πŸ’Ž VIP fee K1500
πŸ‘‰ Daily income K60
πŸ‘‰ 60 days income K3600
πŸ•’ VIP3️⃣
πŸ’Ž VIP fee K3750
πŸ‘‰ Daily income K150
πŸ‘‰ 60 days income K9000
πŸ•“ VIP4️⃣
πŸ’Ž VIP fee K10875
πŸ‘‰ Daily income K435
πŸ‘‰ 60 days income K26100
πŸ•” VIP5️⃣
πŸ’Ž VIP fee K17100
πŸ‘‰ Daily income K684
πŸ‘‰ 60 days income K41040
πŸ•• VIP6️⃣
πŸ’Ž VIP fee K38750
πŸ‘‰ Daily income K1550
πŸ‘‰ 60 days income K93000
πŸ•– VIP7️⃣
πŸ’Ž VIP fee K108250
πŸ‘‰ Daily income K4330
πŸ‘‰ 60 days income K259800
πŸ•— VIP8️⃣
πŸ’Ž VIP fee K167250
πŸ‘‰ Daily income K6690
πŸ‘‰ 60 days income K401400
πŸ•˜ VIP9️⃣
πŸ’Ž VIP fee K388200
πŸ‘‰ Daily income K12940
πŸ‘‰ 60 days income K776400
min! Reminder:
1️⃣VIP is valid for 60 days
2️⃣Minimum withdrawal amount K36 & maximum is K15000 every day.
3️⃣Withdrawal time is within 48 hours.
πŸ’Ό *You can withdraw via any Bank in Zambia, MTN/Airtel Money, Zoona or Kazaa
Whenever I'm short of cash, I always go to Biumoney. No paperwork, just use your mobile phone and receive cash in your mobile money account within 5 minutes. Make a try :
Greetings Teachers
Looking for a qualified primary teacher.
Lusaka based
For more information get in touch with me,
WhatsApp/ call 0977470688
We are looking for school leavers, who completed secondary school in 2018 or 2019, with Five Credits or better in the following;

English
Maths
Biology
Science
Plus any two options

We are assisting school leavers with University admissions, as well as Bursary application for 2022.

Please Call/Text/Whatsapp Katongo on +260 761 230 608

#EducationForAll
Is headquarters aware that in some district schools 'grant' is an added salary of some headteachers?

connecting teachers for an interchange of cultural and professional diversity, share information and debate objectively on various matters

Operating as usual

ECL CHALLENGES TEACHER UNIONS ~ 28/12/2020

ECL CHALLENGES TEACHER UNIONS ~

PRESIDENT EDGAR LUNGU CHALLENGES TEACHER UNIONS

By Hector Simfukwe

President Edgar Lungu has challenged teacher Unions to find ways of helping their members to build houses as they retire from the service.

The President says this can be done by engaging government and other financial institutions.

President Lungu says it is sad to see teachers suffering after retirement despite having worked hard for the nation.

He says teacher unions should not reduce teachers’ welfare to salary negotiations only but also ensure their members retire with dignity.

President Lungu says teachers deserve to have better accommodation after retiring, hence the need to be helped whilst they are active in the service.

President Lungu says his government will ensure teachers are assisted to have a better life after retirement.

He said this when Basic Teachers Union of Zambia -BETUZ- Secretary General Henry Sinkala and his team paid a courtesy call on him at State House today.

And President Lungu has called for mindset change if Zambians are to actively participate in the country’s economy.

He said he wants to see graduates and other Zambians demand for help from government and other institutions so that they can set up their own businesses.

The head of State said there is need to grow the economy so that more people can be employed.

President Lungu also urged the Unions to encourage their members to form cooperatives with the view of setting up businesses.

Speaking earlier, Mr. Sinkala said teachers are happy with the eight percent salary increment and other emoluments that government has given them.

Mr. Sinkala said those who are objective have seen that government has done well in helping the teachers.

He said government decided to increase the salaries for teachers despite the country’s economy having been hit by the Covid-19 pandemic.

Mr. Sinkala also urged government to employ more teachers especially in rural areas.

SOURCE: ZNBC NEWS - 28.12.2020

https://www.znbc.co.zm/news/ecl-challenges-teacher-unions/

ECL CHALLENGES TEACHER UNIONS ~ By Hector Simfukwe President Edgar Lungu has challenged teacher Unions to find ways of helping their members to build houses as they retire from the service. The President says this can be done by engaging government and other financial institutions. President Lungu says it is sad to see teachers su...

[11/03/20]   *DONT SHIFT YOUR RESPONSIBILITY TO TEACHERS*

It is *AT HOME* that children should learn to say:

01 - Hello
02 - Good afternoon
03 - Good evening
04 - Please
05 - May I
06 - Sorry
07 - Forgive me
08 - Thank you very much
09 - Thank you
10 - I was wrong

It is *AT HOME* that we also learn to:

01 - Be honest
02 - Be punctual
03 - Not insult
04 - Be polite
05 - Respect everyone: friends, colleagues, elders, teachers, authorities

Again *at home* we learn to:

01 - Eat everything
02 - Not speak with a mouth full
03 - Have personal hygiene
04 - Not throw waste on the ground
05 - Help parents accomplish their daily tasks
06 - Not take what does not belong to you

Still *At home* we learn to:

01 - Be organized
02 - Take care of our business
03 - Not touch other people's belongings
04 - Respect the rules,
05 - Speak our mother tongue (s), master our culture and ancestral spirituality

Because *AT SCHOOL* teachers should teach:

β–  Mathematics
β–  English
β–  History
β–  Geography
β–  Foreign language
β–  Science
β–  Chemistry
β–  Physics
β–  Biology
β–  Philosophy
β–  Sociology
β–  Physical education
β–  Art ...

And only reinforce what the student has learned

*AT HOME*

Because it is from what we learned *AT HOME* that we, individuals will be respected, that we will respect the life, freedom and property of all.

*All families lets take our responsibilities*

[10/20/20]   GOOD NEWS TO ALLGOVERNMENT WORKERS
https://www.biumoney.com/invite/50111?utm_source=WS
Are you pressured with a financial situation?
Children's school food,… See More
User login - biu biu biu,money any time,money any where
BIUMONEY.COM
User login - biu biu biu,money any time,money any where

[10/14/20]   *ZTF Makwebo Wednesday*

Advertise your goods and services to/
Request for goods and services from your fellow network of teachers and educators for free every Wednesday on all ZTF platforms.

ZTF: connecting teachers for professional and cultural interchange

ZTF: A Teacher Affects Eternity

biumoney.com 12/10/2020

User login - biu biu biu,money any time,money any where

GOOD NEWS TO ALLGOVERNMENT WORKERS
https://www.biumoney.com/invite/50111?utm_source=WS

Are you pressured with a financial situation?
Children's school food,
Zesco and water bills,
Fuel, hospital emergency and any other small emergency.
Look no further
You don't need to leave your work place Or home.
All you need is your Fon and click the link.
Fill in your details on Fields provided.
In no time you will be credited.
Just remember to pay back when due.
If you need any help, inbox me
click the link provided

biumoney.com

[10/02/20]   Good News From BIU Money, To All Government Workers

Did you know that you can access a small loan equivalent to K500 from BIU Money in the comfort of your home or office just by a click of a button on your phone or laptop?
In less than 5mins you can have your account credited.
Try this out.
sort out that small financial pressure using this platform.
its a friday afterall.

No paperwork, just use your mobile phone and receive cash in your mobile money account within 5 minutes. Make a try :

BIUMONEY.COM
User login - biu biu biu,money any time,money any where

biumoney.com 02/10/2020

User login - biu biu biu,money any time,money any where

https://www.biumoney.com/invite/50111?utm_source=WS

biumoney.com

[10/01/20]   Good News From BIU Money

Did you know that you are eligible to get another small loan after settling the initial one?
In less than 5mins you can have your account credited.
Try this out.

No paperwork, just use your mobile phone and receive cash in your mobile money account within 5 minutes. Make a try :https://www.biumoney.com/invite/50111?s=0&unique=A1111

[09/17/20]   GRZ Workers

Seeing that schools have opened and you maybe financially incapacitated, a solution is here to help you in a small way
Biumoney.
No paperwork, just use your mobile phone and receive cash in your mobile money account within 5 minutes. Make a try :https://www.biumoney.com/invite/50111?s=0&unique=A1111

If you are in need of some financial help you use biumoney

[07/14/20]   *THE IMPORTANT DATES IN THE MINISTRY OF GENERAL EDUCATION SCHOOL CALENDAR 2020*

*A. SECOND TERM*

1. *Opening* : Monday 01st June 2020

2. *Closing* : Friday 28th August 2020

*B. SCHOOL HOLIDAY*

1. *Start* : Saturday 29th August 2020

2. *End* : Sunday 13th September 2020

*C. GRADE 9 EXTERNAL AND GCE EXAMINATIONS*

1. *Guidelines* : Friday 28th August 2020

2. *Start* : G9 & GCE examinations Monday 31st August 2020

3. *End* : G9 Tuesday 8th September 2020 while GCE Tuesday 15th September 2020

*D. THIRD TERM*

1. *Opening* : Monday 14th September 2020

2. *Closing* : Friday 4th December 2020

*E. SCHOOL HOLIDAY*

1. *Start* : Saturday 5th December 2020

2. *End* : To be communicated

*F. GRADE 7,9 AND 12 EXAMINATIONS*

*1. Grade 9*

1. *Guidelines* : Friday 4th December 2020

2. *Start* : Monday 7th December 2020

3. *End* : Tuesday 15th December 2020

*2. Grade 12*

1. *Guidelines* : Friday 11th December 2020

2. *Start* : Monday 14th December 2020

3. *End* : Wednesday 30th December 2020

*3. Grade 7*

1. *Guidelines* : Friday 18th December 2020

2. *Start* : Monday 21st December 2020

3. *End* : Thursday 24th December 2020

*Chapwa, Kwasila, Chamana*

01/07/2020

DID YOU KNOW that the NHIS has the widest network of healthcare providers?

The number of NHIMA accredited facilities currently stand at 128 1st, 2nd & 3rd level hospitals spread across the country in almost every district. With NHIS membership you're always within reach to access quality health services wherever you're within Zambia.

30/06/2020

BREAKING NEWS

GOVERNMENT PROPOSES DEBT SWAP POLICY TO AID CIVIL SERVANTS OUT OF PERSONAL DEBTS

... dialogue between service commissions, government workers on cards to turn debts into loans

Public Service Commissions has bemoaned high debt levels among government workers and is proposing a debt swap mechanism where it wants to take over debts of civil servants it owes.

Public Service Management Division Permanent Secretary Boniface Chimbwali Monday told Provincial Heads of Government Departments, teachers and Labour leaders that recommendations are being made to come up with a mechanism that will provide some debt relief to civil servants.

Mr. Chimbwali noted that in instances where government was owing civil servants in settling allowances, leave days benefits and other emoluments, the backlog could be offset through the debt swap policy.

He said thorough consultations will be donw before arriving at the actual implementation of the mechanism that will provide relief to thousands of civil servants.

The Permanent Secretary noted thay government was fully aware that staff debts and financial problems had been a source of frustration among workers in the civil service,hence the need for a lasting solution.

Meanwhile, Teaching Service Commission Chairperson Stanley Mhango who has bemoaned the high debt levels among government workers said the situation was affecting performance productivity.

Mr. Mhango however lamented that it was unfair for some civil servants to blame government for the debts they themselves had contracted.

He regretted government's lapse on conducting vigorous financial literacy for civil servants when it effected unprecedented salary increases of up to 150 percent in 2014.

Mr. Mhango called on government workers to think seriously think about investing in projects that would financially sustain them.

And Local Government Permanent Secretary Bishop Ed Chomba called on local authority workers to be motivated with the good conditions of service that government has put in place.

Bishop Chomba cited the introduction of the funeral and health insurance policies as some of the conditions of service.

And Luapula Province Permanent Secretary Dr. Felix Phiri who thanked his counterparts for visiting the Province, took time to promote the economic potential of Luapula Province.

29/06/2020

NHIMA

DID YOU KNOW that as a Principal member you can register dependants between the ages of 18 to 64 on your account & contribute an additional K50 per head for them?..

...for instance if you register your Nephew aged 27 & an Aunt aged 54 on your account then you're required to contribute K100 for both in addition to your usual monthly contribution(Premium)..

24/06/2020

Teaching children how to count is fine but teaching them what counts is the best and this is were Betuz teachers come in.
Comrades you are doing a good job.

Teaching children how to count is fine but teaching them what counts is the best and this is were Betuz teachers come in.
Comrades you are doing a good job.

24/06/2020

Cash

GS Cash Advance:
Get a Salary Advance that will help you settle those bills before your pay day.
Redefining your Financial Needs...

19/06/2020

Why get a GS Cash Advance?
1.⏳ It's quick and instant. You get your cash in less than 20 minutes.
2. πŸ’Έ Access up-to half your salary.
3.πŸ’» Non-collateral. No need to carry a TV, laptop, Fridge, car or Stove. GS Cash Advance loans are non-collateral.

15/06/2020

Why get a GS Cash Advance?
1.⏳ It's quick and instant. You get your cash in less than 20 minutes.
2. πŸ’Έ Access up-to half your salary.
3.πŸ’» Non-collateral. No need to carry a TV, laptop, Fridge, car or Stove. GS Cash Advance loans are non-collateral.

14/06/2020

Are you back at work? πŸ“ŠπŸ’»πŸ“©

As lockdowns ease and we return to the workplace, don’t forget to keep washing your hands to prevent the spread of #COVID19.

14/06/2020

EXAMS FOR IN-SERVICE TEACHERS

In-service teachers enrolled at Kwame Nkrumah University will write their examinations in August, 2020. Refer to the joint press statement below.

Nondo M.Chilonga
MoGE Spokesperson
[]14.06.2020]

13/06/2020

POCKET-STUDY
(powered by MyClass Campus)

Get this Pocket Study for your Learning institution and Say Goodbye to Zoom With only K60.

Call or WhatsApp Joan on 0976 010 502
0966843896

[06/10/20]   That business you are ashamed to do is funding the lifestyle you envyπŸ˜…πŸ‘ŒβœοΈβœοΈ
#MaryJohnson.
Don't be ashamed of your Hustle.
Work like a slave to live like a King.

In-box me we chat business.

08/06/2020

Phonics

08/06/2020

G12 Maths Revision

G12 Maths Revision

08/06/2020

Pronouns

08/06/2020

Prepositions

05/06/2020

Zambian Teachers Forum Academy

05/06/2020

Zambian Teachers Forum Academy's cover photo

05/06/2020

Zambian Teachers Forum Academy

05/06/2020

Zambian Teachers Forum Academy's cover photo

31/05/2020

[05/28/20]   Inserting tables in Ms Word.

26/05/2020

Do we still have Art Teachers like those who taught us to do paintings like these in Tarvens?

20/05/2020

Examination Timetable

15/05/2020

Physics Revision

Physics Revision

14/05/2020

Pure Chemistry Revision..

Pure Chemistry Revision..

Videos (show all)

BREAKING NEWS GOVERNMENT PROPOSES DEBT SWAP POLICY TO AID CIVIL SERVANTS OUT OF PERSONAL DEBTS... dialogue between servi...
Cash
G12 Maths Revision
Prepositions
Physics Revision
Pure Chemistry Revision..
Maths Revision
ZTF contribution on reopening of schools
Important life Lessons
Copying and Pasting Multiple text.
Stay At Home
Stay at Home

Location

Products

Undertake research on various matters in order to contribute to the body of knowledge in fields such as teaching, education management, entrepreneurship and financial literacy, financial empowerment, E-library, HIV and AIDS, health issues, gender, environment and the use of ICTs in schools and any other activities that may come up similar in nature.

Telephone

Address


24 Chaholi Road. Rhodes Park
Lusaka
10101
Other Lusaka schools & colleges (show all)
Pstar Tution Center Pstar Tution Center
Lusaka Zambia
Lusaka, 10101

We offer Training and Consultancy services in Information Technology and business Studies

The Bit Academy The Bit Academy
Plot 5508, Corner Lusiwasi & Libala Roads
Lusaka, 10101

Bit Academy - Learning to code, stepping into the future.

Wansanje Travel and Tourism institute Wansanje Travel and Tourism institute
Cairo Road
Lusaka, 1010

Wansanje Travel and Tourism Institute is a college offering Courses in Tourism,Hospitality ,Journalism ,IATA ,Business Studies . It is TEVETA and ICM acred

Eles education consultation Eles education consultation
Woodlands
Lusaka, 70100

Here to help you find the perfect University to suit you.

The kings school The kings school
Lusaka

Anyone interested about the school

Global Platform Zambia Global Platform Zambia
Great East Road, Kalundu
Lusaka, 10101

Global Platform Zambia is a youth hub for empowerment and activism open for young people who aspire to make possible change in their society

Barnabas Research and Training Institute Barnabas Research and Training Institute
Suite C1, 55 Bwinjimfumu Road, Rhodes Park
Lusaka, 10101

We are a global South think tank, centre for policy and development practice. We bridge theory and practice and transform development thinking.

Ramah-Naioth Christian School Ramah-Naioth Christian School
Makeni-Konga Rd Plot 29B
Lusaka, PO BOX 38764 LUSAKA

A Christ leading school in Makeni, Zambia.

UniversitΓ© de Zambie UniversitΓ© de Zambie
Great East Road
Lusaka, 10101

KAMZ 12F 2011 EXIT KAMZ 12F 2011 EXIT
CAIRO ROAD
Lusaka, 57982

Little Explorers School Little Explorers School
Nkwashi, Off Leopard's Hill Road
Lusaka, 30471

Little Explorers aims to be the premier early learning institution in Zambia, providing an affordable world class quality experience for our learners.