Ndilimbira turns cash transfer and training into a thriving snack and tomato business

A customer hands cash to Ndilimbira while buying tomatoes, with her tondido's neatly displayed on the side.

Ndilimbira Kapesi, a 30-year-old woman from Mwandama Village in Group Village Yotamu, T/A Mlumbe in Zomba, is a proud mother of three. Despite her determination to provide for her family, financial struggles often made it difficult to meet their daily needs.

Everything changed when she joined the Chisomo Village Savings and Loan (VSL) group on January 3, 2025. The group consists of 14 members (one man and 13 women), with 12 of them, including Ndilimbira, being beneficiaries of the Social Cash Transfer (SCT) program.

At first, the group faced challenges. They lacked the knowledge and skills to effectively manage a VSL. However, with the guidance of Maureen Murimu, a Community-Based Trainer (CBT) in their area, they learned how to operate the savings and loan system.

Tomatoes and onions displayed.

Maureen, trained by the district council in collaboration with CRECCOM and UNICEF, helped them understand VSL methodologies and encouraged them to start small businesses to boost their household income.

Inspired by the training, Ndilimbira decided to take a MK15,000 loan from the group to start a small business selling tondido (snacks), tomatoes and onions. The decision paid off. She quickly made MK15,000.00 profits, allowing her to reinvest in the VSL, buy food for her family, and even purchase clothes for her children.

"After being encouraged by our CBT, I took a loan and started my snack business. The profits I made helped me buy shares in our village bank and provide for my family. Beyond business skills, the CBT also taught the group the importance of financial discipline; how to manage money wisely, save for future needs, and invest in long-term security”, she shares proudly.

Tondidos, neatly packed in a bucket; inviting snacks that attract regular customers.

For Ndilimbira, the VSL is more than just a savings group—it’s a lifeline. Unlike money sharks, known locally as “a katapila”, who charge exorbitant interest rates, VSL members borrow and share profits among themselves, keeping resources within the community.

Encouraged by her success, Ndilimbira urges other SCT beneficiaries to join VSL groups. "This is a great way to improve household income. With discipline and hard work, we can change our

lives".

With a renewed sense of confidence and financial independence, Ndilimbira is determined to grow her business even further. She dreams of expanding her snack business, increasing her savings, and securing a better future for her children.

Each note exchanged tells a story of progress