Pops

Don't stop believing unless your dream is stupid. IG: @mwilapops #MUFC 🇿🇲

[Pops @mwilapops]

cc @tonytheegoon @Masulani_

[Pops @mwilapops]

Looking for a female housemate – Silverest vet area on great east road.
SINGLE room in a 2 bedroom house with a shared bathroom, 20 min walk to UNILUS.
K3,350/month
In a gated community with other flats,
Gas stove, geyser, water 24/7
WhatsApp: [phone]
Vacant!!

[Pops @mwilapops]

#zedtwitter

[Pops @mwilapops]

2bedroom flat for rent in chalala near salena traffic lights, master bedroom self contained,in a secure wall fence,close to tarmac.

4200 per month

*No security deposit

WhatsApp : [phone]
Call : 0974324427

Photo tag: is to avoid reuse of photos

[Pops @mwilapops]

@Muchabi3 This issue was already sorted 😂😂😂

[Tony | The Ambassador @tonytheegoon]

ZED Twitter FOLLOW TRAIN is here. 🚅 🇿🇲🇿🇲🇿🇲

Don't miss it. Make new active followers 🇿🇲🇿🇲

LIKE, RETWEET & COMMENT 🇿🇲🇿🇲.

FOLLOW everyone who likes your comment 🇿🇲🇿🇲

Make 100+ New Follow Real Quick 🇿🇲🇿🇲

Let's go 🇿🇲

[Pops @mwilapops]

cc @Masulani_ @DuncanSodala @zedrealtor

[Pops @mwilapops]

all enclosed in a concrete block
wall fence, with common access #Zedtwitter.................

[Pops @mwilapops]

Property for sale in Rhodes Park(3 Bed-roomed ), asking price is 2.200,000 negotiable. Call me on 0964534457 for me details

The subject property is a maisonette flat, developed as part of a block of six (6) terraced
maisonette flats each with exclusive courtyards/ backyards

[Dark_horse 🌚🏇🏽🍫💞 @Nachi_zm]

A gem 🫶🏾🎶

[Pops @mwilapops]

@BuyoyaJonah Sounds good, but questionable on the security part at night

[A Bemba Kung @ThelastEvans]

Na loadshedding yamu Zambia you want to win a free Tesla from Mr Beast?

[Pops @mwilapops]

Cc @Masulani_ @tonytheegoon A RT will highly be appreciated

[Pops @mwilapops]

Good morning X family
Company Registration and Management Service's.
Services offered under Pacra:
Company Registration
Business Name
Change Of Directors
Allotment of Shares
Annual Returns
Intellectual Property

Kindly RT a client might be on your TL
@DuncanSodala
@ConnectZM

[Pops @mwilapops]

Services Offered under ZRA:
TPIN Application
Income Tax Returns
Turn Over Tax Returns.

[Pops @mwilapops]

@tonytheegoon 📷📷
🚄🚉🇿🇲🇿🇲

[Tony | The Ambassador @tonytheegoon]

It’s been four months since I did a Follow train 🚆
🇿🇲 ZED 𝕏 🇿🇲

Simple Rules. LIKE, RETWEET & COMMENT. 🇿🇲🇿🇲.

Follow Everyone who likes your COMMENT. 🇿🇲🇿🇲

MAKE 150+ NEW FOLLOWERS 🚄🚉🇿🇲 engage with the accounts you haven’t seen in a while 🇿🇲

ENJOY. 🇿🇲🇿🇲

[Dingindaba Jonah Buyoya @BuyoyaJonah]

MONETARY POLICY RATE INCREASED: WHY DOES THIS MATTER?

By Dingindaba Jonah Buyoya

The Bank of Zambia today held a briefing, announcing an increase in the Monetary Policy Rate by 150 basis points to about 12.5%. This is the highest increase experienced in the last three years.

At the top of the reasons why this has been done is the continued depreciation of the Kwacha against major currencies, resulting in the rate of inflation going further away from what the BoZ had projected. So, the objective of this action is to try and arrest the rising inflation.

As part of its job, the Bank of Zambia is on standby to take even more action if inflation keeps getting out of control as their decisions are informed by inflation and any other factors that are associated with financial stability.

This decision is yet another one that is likely to impact the quality of life, making access to finance much harder than it already is. How exactly is this the case?

Let’s start with understanding what the Monetary Policy Rate actually is. The monetary policy rate is the interest rate set by the Bank of Zambia. It affects how much it costs for banks to borrow money from BoZ and subsequently, how much it costs for you to borrow from the bank.

By changing this rate, the central bank can influence borrowing, spending, and inflation in the economy. The decision to increase the rate simply means borrowing has become more expensive, slowing down the economy.

When the Bank of Zambia increases the policy rate as they have now, commercial banks typically follow suit by raising the interest rates on loans. For borrowers with variable rate loans, such as adjustable rate mortgages or variable rate personal loans, this translates to higher monthly payments.

As a result, individuals may find themselves spending more on interest payments, which can strain their budgets and potentially lead to financial difficulties, particularly if the increase is substantial.

Granted, people with fixed-rate loans are less directly affected by immediate changes in the policy rate since their interest rates remain constant over the loan term. However, they may miss out on opportunities to refinance at lower rates if interest rates remain high for an extended period. To make this easier to understand, let’s use a practical example, as we usually do.

Today, I’m introducing us to Sammy, a civil servant living in Lusaka. Let’s say Sammy has an active loan for his car, which he obtained from ZedTwitter Bank. The loan has a variable interest rate, meaning that its interest payments can fluctuate with changes in the monetary policy rate set by BoZ.

Because of this increase in the MPR, Sammy now finds himself facing higher monthly payments for his car loan. The increase in interest rates means that he has to allocate more of his monthly income towards servicing the loan. This will probably put a strain on his budget, as he now has less disposable income to cover other expenses such as groceries, utilities, and savings.

With over 2 million loans disbursed in 2023 alone, according to the Credit Market Monitoring Reports, that should tell you that Sammy might just have several other people in his shoes.

It is important to mention that by raising the MPR, BoZ kind of aims to encourage saving, discourage borrowing, and stabilize prices, and this should in turn promote sustainable economic growth and maintain the stability of the Kwacha.

Primarily though, this specific increase is hoped to help safeguard against potential economic imbalances and mitigate risks of inflation spiralling out of control, ultimately contributing to a healthier and more stable economic environment for businesses and individuals alike.

[Pops @mwilapops]

@mr_nas100_zm makes trading very simplified. Best mentor outchea.

[Pops @mwilapops]

@Malik_ZMB After 5 minutes of arriving drivers are allowed to cancel. So no lesson has been really taught.