Grow your savings
Build a secure future through regular savings and stronger ownership in your cooperative.
Member-owned. Zambian. Built for progress.
Empowering members.
Building wealth Together.
Umozi Wealth is a savings and credit cooperative helping members save with discipline, access responsible credit, own shares and build lasting prosperity.
Prefer a paper application? Download the membership form
✓ Member-owned cooperative✓ Transparent governance✓ Secure member portal
Our members
Prosperity is stronger when we build it together.
We exist to unlock opportunity for every member.
Access responsible credit
Get fair, affordable loans that help you invest, expand and achieve meaningful goals.
Stronger together
As member-owners, we share in success and create lasting impact in our communities.
Our purpose
A cooperative where collective effort creates individual opportunity.
We mobilise secure savings, provide affordable and responsible credit, and support sustainable growth through unity, discipline and sound governance.
Discover our cooperative model →Life in motion
Finance connected to real member ambitions.
From agriculture and education to homes, mobility and enterprise, Umozi Wealth exists to help members move forward.
Member services
Everything you need to move forward
Practical financial services designed around member needs—not outside shareholders.
01
Save with purpose
Build financial resilience through regular, secure savings and a disciplined path to your goals.
Start saving →02
Access responsible credit
Affordable member loans for education, land, homes, emergencies, commodities and ordinary needs.
View loan solutions →03
Own your cooperative
Purchase shares, participate in decisions and benefit from the value members create together.
See membership costs →Credit for real life
Finance that helps members build, learn and grow.
Our loan products are designed for productive and provident purposes, with responsible assessment and clear member terms.
Become eligible through membershipBuilding loans
Turn plans into a place to call home.
Land purchase loans
Secure land for your family or enterprise.
Education loans
Invest in skills, school and future earning power.
Emergency loans
Access timely support when the unexpected happens.
Ordinary & commodity loans
Meet practical household and business needs.
Share financing
Grow your ownership stake in the cooperative.
Membership
A simple path to shared prosperity
Join a community founded on democracy, transparency, accountability and mutual support.
Download membership form (PDF)1
Apply online
Complete your details, intended savings and secure KYC documents.
2
Membership review
Our team verifies your application and contacts you if anything is needed.
3
Activate membership
Complete the approved joining contribution and share purchase.
4
Build wealth
Use your portal to follow savings, shares, loans and statements.
Joining feeZMW 100Once-off
Annual contributionZMW 500Per year
Share priceZMW 100Per share
Ownership limit25%Maximum shareholding
Forms & downloads
Start on paper. Continue with confidence.
Every form is professionally structured, fillable on your device and ready to print. Download the one you need, complete it and return it with the listed supporting documents.
Join the cooperativeMembership applicationPersonal details, savings plan and KYC checklist
PDF ↓
Request member creditLoan applicationProduct guide, affordability, documents and approvals
PDF ↓
Employer verificationLoan clearance formEmployment, payroll and outstanding-loan confirmation
PDF ↓
Settle or reduce a loanLoan offset formCash, savings or refinancing request with approval controls
PDF ↓
Need help? Call +260 211 264 025 or email Lowellmfula@gmail.com.
Beyond finance
Prosperity should strengthen the whole community.
Umozi Wealth supports financial literacy, education, climate awareness and inclusive opportunity, aligned with the Sustainable Development Goals.
SDG 1
No povertySDG 4
EducationSDG 5
EqualitySDG 13
Climate action
No povertySDG 4
EducationSDG 5
EqualitySDG 13
Climate action
Trust & governance
Built on accountability.
Run for members.
Umozi Wealth operates as a registered Zambian cooperative, with democratic member participation, regular reporting and a commitment to compliance and responsible stewardship.
01Democratic ownershipMembers help shape the cooperative they own.
02Transparent decisionsClear reporting and traceable financial operations.
03Responsible growthCredit, investments and savings managed for sustainability.
Your wealth journey is stronger together.
Apply for membership today and become part of a cooperative built around your progress.