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BREAKING FEES BARRIERS THROUGH UCS SACCO'S LOANS

calendar_today Mar 04, 2026
schedule 1 month ago
BREAKING FEES BARRIERS THROUGH UCS SACCO'S LOANS
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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 products


According 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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Mar 04, 2026

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𝐖𝐀𝐋𝐊𝐈𝐍𝐆 𝐖𝐈𝐓𝐇 𝐔𝐂𝐒 𝐒𝐀𝐂𝐂𝐎 𝐈𝐍 𝐑𝐄𝐓𝐈𝐑𝐄𝐌𝐄𝐍𝐓

Dr. Grace Kafulatira, a retired civil servant who previously served as a head teacher at Lilongwe Girls Secondary School before assuming incumbency at the ministry of education where she served as the Director of Education and Sports in Lilongwe urban, is a member of United Civil Servants SACCO (UCS SACCO) since 2023. When UCS SACCO introduced the SACCO concept to her, she was amazed by UCS SACCO’s exercise of corporate social responsibility, UCS Mobile, as well as the SACCO’s propensity to accommodate retired civil servants.“I joined UCS SACCO because it is the only SACCO in Malawi that welcomes retirees through its retiree’s portfolio and it allows you to access loans to establish small scale businesses. I for one is of the impression that a retired civil servant cannot be a bad debtor. Of note, USC Mobile is a good digital innovation for retirees.” Said Dr Kafulatira.“Good customer management is a great marketing tool provided you couple it with uniqueness in service delivery and this is where UCS SACCO excels as its services are unique and tailored to satisfy customer needs. For instance, I was able to easily access a loan of millions when I was buying paint during the construction of my B&B. More pleasing was the swift pace with which my loan was processed,” added Dr. Kafulatira. Dr. Kafulatira said her soon to be launched B&B is a source of employment thereby contributing to the realization of the country’s blue print, Malawi 2063.

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