25/08/2026
๐๐๐ฆ๐๐ข๐โ๐ฌ ๐๐จ๐จ๐ฉ๐๐ซ๐๐ญ๐ข๐ฏ๐๐ฌ ๐๐๐ฏ๐ ๐๐จ๐ญ๐๐ง๐ญ๐ข๐๐ฅ; ๐๐ฎ๐ญ ๐๐ฐ๐๐ซ๐๐ง๐๐ฌ๐ฌ, ๐
๐ข๐ง๐๐ง๐๐ ๐๐ง๐ ๐๐จ๐ฏ๐๐ซ๐ง๐๐ง๐๐ ๐๐๐ฆ๐๐ข๐ง ๐๐๐ฒ ๐๐ก๐๐ฅ๐ฅ๐๐ง๐ ๐๐ฌ
Cooperatives have long been part of Zambiaโs economic and social development story, but their ability to create jobs, improve livelihoods and contribute to inclusive growth will depend on addressing persistent challenges around awareness, financing, governance and institutional support.
This was among the key messages from Dale Mudendaโs presentation on โThe History and State of Cooperatives in Zambiaโ, delivered during the International Hybrid Conference on Worker Cooperatives and Decent Youth Employment in Africa yesterday.
The presentation shared findings from a study examining Zambiaโs cooperative landscape, covering the legal and institutional framework, public understanding of cooperatives, factors influencing membership, and the availability of financial and technical support.
One of the clearest challenges identified was the knowledge gap around cooperatives. While 39% of cooperative members demonstrated a correct understanding of what a cooperative is, this fell to only 20% among non-members. The gap was even more pronounced among young people, with just 14% of youths showing a correct understanding, compared with 45% of adults.
This lack of awareness also appears to affect participation. Among respondents who were not cooperative members, 46.4% cited lack of awareness and information as the main reason for not joining, while 34.6% said they did not know how to join.
The research also showed that Zambiaโs cooperative sector remains heavily associated with agriculture, accounting for about 70% of cooperative activity captured by the study. While agriculture remains important, the findings point to the need to broaden the cooperative model into other sectors of the economy.
For existing members, the benefits can nevertheless be significant. Respondents reported increased income, business and farming growth, improved access to inputs and services, training opportunities and access to credit among the benefits associated with cooperative membership.
At the same time, internal governance emerged as an important concern. Respondents identified poor leadership and management, lack of transparency, favouritism and lack of trust as factors that can discourage participation and weaken cooperatives.
Financing remains another major challenge. The study found that cooperatives are largely self-financed, with 70% identifying their own resources as their primary source of funding, while 82% considered available funding inadequate.
Government programmes such as the Constituency Development Fund (CDF) and the Citizens Economic Empowerment Commission (CEEC) continue to play an important role, but the research calls for support to become more diversified and less concentrated on agriculture.
Technical assistance also remains uneven. While training, information and education support, and the provision of equipment are available in some areas, the study found that decisions on the type of assistance provided are often driven by service providers rather than by cooperatives themselves.
The presentation therefore called for a shift towards demand-driven technical assistance, tailored to the actual needs of cooperative members, managers and boards.
Among the broader recommendations were calls to strengthen Zambiaโs legal and institutional framework for cooperatives; improve coordination among institutions supporting the sector; expand public awareness; deliberately increase participation by young people and women; strengthen leadership and transparency; diversify government support beyond agriculture; and reduce excessive dependence on the State.
The broader message from Mudendaโs presentation was clear: Zambiaโs cooperative movement has considerable potential, but sustainable growth will require more than simply registering new cooperatives.
The challenge is to build cooperatives that are properly understood, effectively governed, adequately financed and supported to become sustainable enterprises capable of creating jobs, generating income and contributing meaningfully to Zambiaโs development.
In his remarks at the conference, SAIPAR Executive Director Manenga Ndulo placed the discussion within SAIPARโs broader mandate of bridging the gap between research, policy and practice. He noted that while cooperatives are globally recognised for their contribution to economic development and social inclusion, there remains a need for stronger evidence and documentation of Zambiaโs cooperative movement.