In Africa, there is an alarming third wave as the vaccine rollout is hampered. In recent light of the vaccine rollout in all parts of the world, third world countries vaccine rollout seems to be stagnant, experts fearing that it may take decades to vaccinate their respective countries.

The World Health Organisation (WHO) regional office has reported that the third wave of Covid-19 cases is spreading faster in Africa. On Thursday, 17 June 2021, WHO regional director for Africa, Dr Matshidiso Moeti warned, “With a rapid increase in the number of cases and increasing reports of severe disease, the latest wave threatens to be the worst to date in Africa,”

According to the regional office, for five consecutive weeks, Africa has seen an increase in Covid-19 cases, signaling the beginning of the third wave in Africa. “As of 20 June—day 48 into the new wave—Africa had recorded around 474 000 new cases—a 21% increase compared with the first 48 days of the second wave.” As reported by WHO, the pandemic is resurging in 12 African countries and at the current rate of infections, the ongoing surge is set to surpass the previous one by early July.

18 African countries have already used over 80% of their COVAX vaccine supplies, 29 have administered over 50% of their suppliers, and eight have exhausted their vaccine supply. It is important to be aware that just over 1% of Africa’s population has been fully vaccinated. Globally, 2.7 billion doses have been administered, with just under 1.5% having been administered in Africa.

Dr Moeti is urging the international community to help Africa deal with the Covid-19 vaccine supply as the surge threatens to impair not only Africa’s economy but society.



Lynn Mackenzie, J.D., LLM
Courtesy of Marian Chembeya

As per the updated travel advisory, Zambia has currently undertaken measures related to aviation travel. Here are the main points.

(a) All scheduled and non-scheduled international flights to all Airports are open.

(b) The following procedures at LUN and NLA airports will apply:

All passengers coming from international flights terminating at Kenneth Kaunda International Airport (LUN) and Simon Mwansa Kapwepwe International Airport (NLA )  are encouraged/  recommended  to present a certificate, of having tested  negative  from COVID-19  dated less than four (04 days,  from the date of the test ) from the designated laboratories authorized by Health Authority of the countries. This is enforcement since 0000 hrs. of 20 July, 2020 and is a temporary measure till cases of COVID-19 subside.

Transit persons on board except crew shall not be permitted to disembark without authorization; crewmembers may disembark but shall undergo strict mandatory quarantine under the supervision of the health authorities during their rotation/rest periods.

Non-essential travel is not encouraged, as visas will not be issued upon arrival at FLKK (Kenneth Kaunda International Airport) for tourist and visitors. Lusaka office needs to be requested for Ok to Board clearance for any travelers appealing that they will get visa upon arrival.

Alien residents / Incoming passengers ( Non-Zambian ) will not be allowed to arrive in Zambia planning to cross borders via surface transport  to the neighboring countries like  Malawi , Congo, Botswana, Angola  and South Africa  without a written clearance from the Zambian Department of immigration and Ministry of Health  and a certificate, of having tested  negative  from COVID-19  dated less than four (04 days,  from the date of the test )

All persons holding Tourist visas will not be allowed entry in Zambia until further notice without a written clearance from the Department of immigration and a certificate, of having tested negative from COVID-19 dated less than four (04 days, from the date of the test)

All persons holding Business visas must have written clearance from the Zambian Department of immigration and Ministry of Health stating the importance of their business in Zambia before they arrive.

Spouses/children or any other relatives of permit/residence card holders but not included in the residence cards/permits are not allowed entry in Zambia unless with special clearance in writing from the Zambian Department of immigration.

All tourist and business visas, which were approved before 25 MAR, 20 are revoked and remain null and void.

Effective Date: The measures described herein are effective from 20th July 2020, until the revocation of this AIC, subject to a risk assessment and review.”

The content of this article is provided for general information purposes. The provision of this article does not constitute legal advice or opinion of any kind; no advisory or fiduciary relationship is created between Relocation Africa and any other person accessing or using this article . Relocation Africa will not be liable for any damages or loss arising from using any part of this article .

For information as to how Relocation Africa can help you with your Mobility, Immigration, Research, Remuneration, and Expat Tax needs, email, or call us on +27 21 763 4240.

Sources: [1], [2]. Image sources: [1], [2].

Lynn Mackenzie, our Immigration Lead, recently had the privilege of interviewing Marian Chembeya, from Corpus Globe Corporate Solutions, about Zambia’s immigration landscape.

To listen to Lynn and Marian’s conversation about immigration in the current context, click here to view the recording, or view it below.

Marian’s bio

Marian Chembeya has a diploma in law from the National Institute of Public Administration and is currently pursuing her degree in International Relations and Diplomacy from UNISA. She also has a diploma in International Humanitarian Law and Human Rights.

Marian joined Corpus in October 2013 as a legal clerk, and in 2014 she started focusing more on immigration cases that were coming to the firm, and started developing an interest in immigration law. With daily visits to the Immigration Department and reading up Immigration Law, Marian developed the skill and craft of immigration law, and made it her primary focus.

In 2018, she rose to the position of Head of Immigration, and now oversees Corpus’ Immigration Department. Her knowledge in immigration has been self-taught using determination and a passion for what she does.

We would like to say a huge thank you to Marian for her insights. We hope you enjoy the recording.

For information as to how Relocation Africa can help you with your Mobility, Immigration, Research, Remuneration, and Expat Tax needs, email, or call us on +27 21 763 4240.

Sources: [1], [2]. Image sources: [1], [2].

Zambia has over two million smallholder farmers and a rural population of about 9.7 million people, with approximately 40% of them being financially excluded

The average rural farmer in Zambia lives several kilometres away from their nearest neighbour and even further away from the nearest settlement where shops, agro-dealers and other services, such as agency banking and mobile money booths, would be located. Because the farmers live in remote locations making payments, sending and receiving money are activities not done at their convenience.

Zambia has over two million smallholder farmers and a rural population of about 9.7 million people, with approximately 40% of them being financially excluded. These rural people do not have adequate access to financial infrastructure and services. Not being able to make payments for supplies, receive digital payments or send money as needed means farmers’ productivity is limited. Subsequently, they cannot plan their next growing season, are unable to manage the shocks they may experience and cannot reach their potential. Therefore, providing smallholder farmers with the services they need to improve their productivity has a ripple effect on their livelihoods and the rural community.

Zanaco Bank recognised that smallholder farmers are an important segment of Zambia’s economy, and partnered with the UN Capital Development Fund (UNCDF) and Agrifin Accelerate (AFA)/Mercy Corps to develop and test the go-to-market strategy for an account that offers farmers services to transact, save, send and receive money. Zanaco will also add features such as agronomic information and financial literacya to help the farmers become more productive, be financially included and better participate in the Zambian economy.

How was AgriPay brought to market?

To bring the account – called AgriPay – to market, the partners undertook several activities. The first was a research conducted by AFA to understand precisely what the farmers needed and what their specific financial challenges were. This research informed the human-centred design process of product development undertaken by Zanaco.

Once a product was available, strategies were designed to bring the product to the rural market. This strategy involved applying the Booster Team model – a concept adapted from UNCDF’s work in Uganda with a coffee value chain. UNCDF championed the use of the Booster Team to onboard agents that would enhance last-mile service delivery and build a strong ecosystem around the use of the AgriPay account. In addition, the Booster Team onboarded smallholder farmers. Zanaco, AFA and UNCDF also analysed what other factors would influence the success of AgriPay. 

One factor identified was collaborating with other players in the value chain that could provide linkages to agribusinesses. These linkages to agribusinesses turns shops or agribusiness locations into agents offering the banking services to smallholder farmers. These partners also leverage their network to onboard customers who could benefit from the services offered by the AgriPay account. By the end of the pilot, 50% of the Xpress Agents onboarded were a result of the partnership with Musika (a non-profit organisation that aims to support private sector development in small-scale agriculture) and 60% of the activated farmers accounts were members of the Cotton Association of Zambia.

The bank piloted the product in six provinces. The Booster Teams, comprising 15 – 20 youths, received adequate training in sales and product knowledge, and approached potential customers with a product they could demonstrate.

Who opened AgriPay accounts?

In May 2019, Zanaco and UNCDF deployed the Booster Team to undertake their sensitisation and on-boarding activities, beginning in Central and Lusaka Provinces, continuing to Copperbelt, Eastern, Luapula, and Southern. Each Booster Team answered smallholder farmers’ questions or concerns in a timely manner. This first-tier support increased the customers’ confidence and comfort levels with the new account. Using the Booster Team enabled 307 Xpress agents to become part of the AgriPay ecosystem.

By September 2019, 3030 customers, 53% female and 31% youth, had been onboarded onto AgriPay, and farmers were pleased with the introduction of the account designed with their specific needs in mind.

Brillian Handondo, a farmer in Southern Province said, “This account has really helped me. Once I receive money, I’m able to easily transact, such as sending money to my child in college.” This simple transaction was not something she could do easily before.

What were the critical factors for AgriPay’s success?

The learnings gained from piloting AgriPay helped in scaling the product. One area of success was pre-sensitisation activities. This critical component was done through partners such as the Cotton Association of Zambia, Vitalite Zambia and the Dairy Association of Zambia and helped to build trust in the product. The partnerships with the various farmers’ associations, non-profit organisations, and other implementing partners meant these organisations could approach farmers as ‘ambassadors.’

These organisations leveraged their strengths to become agents or reach potential customers, for example, Cotton Association savings groups and Vitalite traders became agents for AgriPay.

These relationships were also a key driver to the Booster Team’s success. Having organisations facilitate these partnerships elevates the product because of the inherent trust agribusinesses and customers have in the partner or the agribusinesses they are used to working with. This is an immeasurable success factor for AgriPay.

To successfully scale AgriPay to other parts of Zambia, the sales team has to gain a better understanding of the culture of the communities. Conducting sensitisation activities requires that farmers are available and involves learning the type of farming conducted in the community and planning around the schedule farmers follow.

To improve rollout, the bank might consider using roving agents in some areas who could better reach farmers rather than agents using fixed locations like shops or booths.

The AgriPay pilot achieved what it aimed to do – increase access and usage of digital financial services by underserved segments of the population. AgriPay is also successful because it provides a platform to increase farmers’ financial inclusion, and the account also allows digital expansion for the smallholder farmer and the community in which they live. Schools, hospitals, district or provincial offices can leverage the digital platform to carry out other activities in the community. This digital ecosystem of services greatly improves life in these rural communities and farmers can become more active in the economy.

For information as to how Relocation Africa can help you with your Mobility, Immigration, Research, Remuneration, and Expat Tax needs, email, or call us on +27 21 763 4240.
Sources: [1], [2]. Image sources: [1], Megan Thomas [2].