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March 13, 2026

COPING WITH RETIREMENT THROUGH SAVINGS FROM UCS SACCO

In Malawi and the rest of the world, it is common for employees nearing their retirement age to develop a retirement fever especially when they haven’t figured out on how best to finance their basic needs in the absence of a salary. James Nkolongo, a former messenger at Salima District Fisheries office, ensured the future of his life after retirement was in his own hands by joining United Civil Servants SACCO-UCS SACCO in 2021. Nkolongo, who served at Salima District Fisheries for nearly 4 decades and is a UCS SACCO member from Salima branch, said he did not find it hard to cope with life after retirement considering he had the confidence that his savings at UCS SACCO were bound to keep working for him. “When I joined the UCS SACCO, I was exposed to a culture of savings. Of course, I joined as a civil servant but I was aware that I will join the Nzika Account Savings once I retire. Among other benefits, the Nzika Account Savings keeps retirement benefits safe and growing, gives retirees access to financial support through affordable loans, encourages retirees to remain financially secure, helps retirees to manage retirement funds through structured saving, and reduces the risk of quickly exhausting retirement benefits,“ said Nkolongo. Nkolongo, highlighted that many people stop saving after retirement, yet financial needs continue. For instance, if not for my savings at UCS SACCO and the loans which I access at the institution, I would have struggled to meet the financial demands of my family.Nkolongo said: “Today, even as a retiree, I am able to still pay school fees for my kids because I have access to flexible loans offered by UCS SACCO and I receive dividends from my savings at the end of each financial year. Nothing has changed compared to the time I had a job because I am still thriving financially. Remarkably, through UCS SACCO, I was able to secure a loan to invest in my agriculture.”Today, Nkolongo is an established farmer who grows maize on a 2 acres farm in Maganga Village in the area of traditional authority Mdalamkwanda, Salima. For context, Nzika Savings account is for all retirees and it provides a safe place for pension deposits, offering flexible access to savings for daily expenses or emergencies. 

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March 09, 2026

SALIMA POLICE STATION BREATHES A SIGH OF RELIEF

Salima Police Station will now be able to provide adequate meals to suspects in custody, courtesy of United Civil Servants SACCO which has donated assorted food items to the station. The items include cooking oil and bags of maize.Moyo (second from right) interacts with Kanyika (second from left)UCS SACCO’s Head of Member Service, Albert Moyo, reaffirmed that the donation reflects the Sacco’s core values, placing social welfare at the heart of its operations. Administration Officer for Salima Police Station, Janet Kanyika, was all grateful for the donation saying  sometimes suspects are subjected to starvation due to limited food resources. 

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March 07, 2026

UCS SACCO kicks-off Green Gesture in Lilongwe

On 7th March, 2026, all roads led to Chiyingira ground in Ngoma Village under the umbrella of T/A Tsabango in Lilongwe, where United Civil Servants SACCO-UCS SACCO held it's Lilongwe 2026 Tree Planting Launch. The event, is part of UCSSACCO 's green initiative which seeks to plant 2 million trees by 2028. Speaking during the tree planting launch, guest of honour at the event, Sekelani Kansikili, who is the council chair for Lilongwe District Council underscored the significance of planting trees and nurturing the trees to grow, noting that the presence of enough trees influences favourable rainfall patterns, hence, high agricultural yields for both commercial and subsistence farmers. Kansiliki: I'm commending our partner UCSSACCO for the unwavering efforts towards climate actionLegislator for Lilongwe Central constituency Jimeon Nyanda commended UCS SACCO for planting trees along the shores of Nanjiri river, stating that once the trees have grown they will safeguard the surrounding area from floods which are a menace every year. Jimeon: It excites me to witness my catchment community regaining its green gloryFor his part, UCS SACCO's head of operations Francis Kandonga said the institution's green initiative is part of efforts to complement government 's effort to restore depleted environment.kandonga: It is everyone's responsibility to conserve the environmentSenior Village Head Mdondwe, who represented T/A Tsabango, described the tree planting exercise as timely considering that the area has been prone to dry spells in recent times.Community members in the course of planting trees

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March 04, 2026

BREAKING FEES BARRIERS THROUGH UCS SACCO'S LOANS

In her quest to further her studies whilst working as a teacher in Malawi’s civil service, Gift Likoya discovered that belonging to a SACCO is the foundation of sustainable wealth creation. Gift joined United Civil Servants SACCO-UCS SACCO in 2022, and her academic dream turned into a profound testimony. Likoya: I am everlastingly grateful for UCS SACCO's financial productsAccording to Likoya, she could not have managed to finance her studies in Early Childhood Development had she not joined UCS SACCO . “I am thrilled with UCS SACCO’s products and incredible service delivery. I was able to complete my studies in Early Childhood Development because of the loans I was accessing at UCS SACCO. Their loans have a lower interest rate and the repayment period is flexible,” said Likoya. Likoya also applauded UCS SACCO for its efforts towards member education saying it is the principal catalyst for financial stability and wealth creation at wholesale. “Through the United Civil Servants SACCO, I have learned that financial discipline is not a box you check off; it is a behaviour you nurture once you are taught. And when it grows, it becomes the very thing that breathes life into financial stability. It is the secret ingredient that turns plans into progress," said Likoya. Meanwhile, Likoya is pursuing her studies in nursing and she casts her vote of gratitude to UCS SACCO for granting her another education loan.

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March 04, 2026

United Civil Servants SACCO 2025 Delegates Meetings

Recently, United Civil Servants SACCO engaged it’s delegates from all the districts across the country. Among other activities, members at the meeting voted for new district delegates from various departments. Below is a pictorial focus on some of the delegates meetings.

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February 28, 2026

UCS SACCO FURNITURES SALIMA FISHERIES OFFICE

True to its slogan of “changing lives”, United Civil Servants SACCO-UCS SACCO has changed the interior outlook for Salima District Fisheries office with office furniture worth 5 million Malawi Kwacha.Speaking after handing over the furniture, UCS SACCO's head of Customer Service and Member Engagement, Albert Moyo, said the gesture reflects the SACCO’s unwavering devotion to complementing government's efforts in creating better working environments for excellent service delivery in the public sector.“We are a market leader among all the SACCO’s in Malawi, and one of the fastest growing SACCO's in Africa. But beyond that, we are self-mandated to serve the general needs of Malawians. For instance, we are targeting to plant 2 million trees by 2028 and we intend to renovate a resource centre in Nsanje,” Moyo said. Speaking after receiving the furniture, Salima district fisheries officer Patrick Zakeyu, commended UCS SACCO for the donation describing it as timely and crucial. Salima District Fisheries office is one of the significant offices that promote and safeguard fishing activities in Lake Malawi.