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FINES project row: Concerned citizens demand clarity on grants

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By Jones Gadama

Concerned Citizens of Malawi, led by Edward Kambanje, has formally addressed the Reserve Bank of Malawi seeking clarity on the Financial Inclusion and Entrepreneurship Scaling (FINES) Project.

The project, funded by the International Development Association of the World Bank, aims to improve access to finance and build the capacity of entrepreneurs nationwide.

However, confusion and dissatisfaction among trainees have prompted the concerned citizens to demand transparency and a clear explanation of the project’s objectives and grant disbursement policies.

Edward Kambanje

According to the letter sent to the Reserve Bank, many entrepreneurs who participated in the FINES training program were led to believe that financial support would be available in the form of grants upon completing the training.

This expectation stands in contrast to the project’s true design, which focuses on improving access to finance through loans and equipping entrepreneurs with skills for crafting bankable business proposals.

The Reserve Bank of Malawi has responded, clarifying that FINES is a government initiative financed by an $86 million loan from the World Bank, targeting increased access to financial services and entrepreneurship development for micro, small, and medium enterprises (MSMEs).

The project comprises two main components: providing concessional loans at 3% per annum to participating banks, microfinance institutions, and SACCOs, and capacity building through a rigorous three-stage training program.

However, the Concerned Citizens of Malawi is not satisfied with the response, accusing the Reserve Bank of stalling and lacking transparency.

“The Reserve Bank invited us to a physical meeting in Lilongwe, but they’ve been scheduling and rescheduling dates, preferring a visual meeting, which we’re not comfortable with,” Kambanje said. “They’ve even suggested meeting in Blantyre, but we’re not convinced they’re serious about resolving this issue.”

Kambanje added that the trainees, who have been trained for three years, are under pressure, having been promised loan grants.

“The situation at hand can’t be discussed virtually, and the Reserve Bank’s lack of clarity on dates is unacceptable,” he said.

The controversy surrounding the FINES Project continues to escalate, with social commentator Mathews Namukhoyo weighing in.

“The Reserve Bank’s stance is a clear indication that they’re not interested in having a genuine dialogue with the Concerned Citizens of Malawi,” he said, adding that,”They know they’re in the wrong, and this is just a tactic to stall the process. It’s unacceptable and shameful.”

Efforts to get a response from the FINES Project team, led by Ralph Tseka, were unsuccessful, with his phone going unanswered after several attempts.

Questioning the denial: A closer look at the OPC Press Release

By Malawi Forward

The Office of the President and Cabinet has issued a formal press release, signed by Chief Secretary Justin Adack K Saidi, PhD, denying that the Office of the First Vice President, Her Honour Dr. Jane Mayemu Ansah, SC, is being systematically marginalised or pressured to vacate her constitutional position.

This statement warrants careful scrutiny, not because the denials are loud, but because of what they conspicuously fail to address.

Governments typically dismiss unfounded speculation through their communications offices.

They do not deploy their most senior administrative official, the Chief Secretary, to issue a formally referenced press release in response to claims they characterise as unverified.

The decision to respond at this institutional weight is itself a signal.

Reference CS/S/001, the first formal communication of its kind from that office, suggests an administration managing a developing crisis, not a minor distraction.

The statement carefully denies one specific thing: that the President has in writing requested the First Vice President’s resignation.

This is a legally narrow denial, and it is worth understanding why.

Effective pressure on a constitutional officeholder rarely takes written form.

It operates through budget attrition, removal of functional mandates, isolation of staff and resources, and communication through intermediaries, precisely because these mechanisms are designed to remain below the threshold that would trigger formal constitutional accountability.

The denial of a written request does not address any of these.

It is a technically accurate statement constructed to obscure a substantively different question.

The statement attributes the reduction of the VP’s office budget to uniform fiscal consolidation measures applied across all Ministries, Departments and Agencies.

If that is the case, the government should publish comparative data demonstrating the proportionality of those reductions.

It has not done so.

More significantly, the transfer of the Department of Disaster Management Affairs and Public Sector Reforms from the Office of the First Vice President to the Office of the President and Cabinet is presented as a routine administrative realignment.

It is not.

These are substantive executive mandates held by a constitutional officeholder.

Their removal concentrates authority within the Presidency without the transparent Cabinet process such a decision requires.

A formal Cabinet minute and gazette notice would settle the matter.

Neither is referenced in this statement.

The most consequential detail in this document is not what it says, but who signed it.

The Chief Secretary is not a peripheral figure in the concerns being raised.

He is, according to multiple credible accounts, a central actor in the pressure being applied to the VP’s office.

For this denial to carry institutional integrity, it required the President’s own voice, or at minimum an authorisation clearly issued from State House through the Presidential Press Secretary.

Instead, the individual whose conduct is itself in question has been permitted to issue the official government denial of that conduct.

No credible governance framework regards that as satisfactory.

It is not exoneration.

It is the appearance of exoneration authored by the party requiring it.

Nowhere in this document does President Mutharika speak.

Ansah



There is no direct quote.

There is no personal affirmation of his confidence in, or working relationship with, the First Vice President.

A head of state who genuinely wished to lay this matter to rest would have said so in his own words.

His absence from a statement issued in his name is not a drafting oversight.

It is a political fact that this statement cannot explain away.

The Office of the First Vice President is not an administrative position.

It is a constitutional institution, established and protected under the supreme law of the Republic.

Its authority, budget, functional mandates, and dignity of its occupant cannot be eroded through administrative mechanisms without engaging the constitutional processes that govern such decisions.

The Constitution of Malawi was not designed for convenience.

It was designed precisely for moments like this, when the instruments of the state are available to those who might otherwise use power without accountability.

Malawians are entitled to ask not merely whether a written letter was sent, but whether the spirit, intent, and practical effect of constitutional governance is being upheld.

That is a question this statement does not answer.



This commentary is issued by Malawi Forward, an independent observer of Malawian constitutional and governance affairs. It reflects no partisan affiliation and carries no institutional endorsement. It is offered in the public interest.

FCB Nyasa Bullets street party set to electrify Ndirande Township!

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By Burnett Munthali

First Capital Bank (FCB) plc is hosting the FCB Nyasa Bullets Street Party at the club’s ‘headquarters’ in Ndirande Township, Blantyre, and it’s going to be a wild ride!

A number of high-profile musicians including Driemo, Eli Njuchi, Joe IKon, and Jetu are geared to dish out their hits live, with Zembani Band being the main band, making this a night to remember.

Other artists such as Joseph Nkasa, Coss Chiwalo, and Sam Smack will also take to the stage, ensuring that the crowd is entertained throughout the night, and adding to the electric atmosphere.



IKK will also make a special guest appearance, further hyping up the excitement, and promising an unforgettable performance.

FCB head of marketing and communication Twikale Chirwa says the party is meant to celebrate the bank’s partnership with the ‘People’s Team’ and enjoy the moment with supporters after the bank renewed Bullets sponsorship with a K3 billion package for the next three years, translating to K1 billion per annum, a testament to the bank’s commitment to Malawian football.

The street party is set to bring together Bullets fans, music lovers, and the community at large, promising a night of non-stop entertainment, football fever, and celebration, making it a must-attend event.

With the K3 billion sponsorship deal, FCB is solidifying its position as a key player in Malawian football, and this street party is just the beginning of the festivities, marking a new era for the People’s Team.

The event is a testament to the power of sports and music in bringing people together, and FCB is proud to be at the forefront of this initiative, showcasing its commitment to the community.

As the countdown begins, fans are eagerly waiting to join the party and celebrate with their favorite team and artists, making it an unforgettable night in Ndirande Township.

Get ready to groove, sing along, and cheer with fellow Bullets supporters as the FCB Nyasa Bullets Street Party gets underway!

Do not touch the chosen one: A case of Jane Ansah



By Rick Dzida

The pairing of Peter Mutharika and Jane Ansah as the President and first Vice President of Malawi is distinctive due to the fact that numerous Malawians participated in violent  protests against them in 2020.

During his first term in office, President Mutharika faced pressure to relinquish his position due to the struggling economy and widespread corruption. Similarly, Jane Ansah was coerced to resign as the Chairperson of the Malawi Electoral Commission (MEC) due to accusations of mismanaging the 2019 presidential election.

Due to their desperation, the very same Malawians who had called for justice against the perceived unjust actions of Mutharika and Ansah, ultimately placed their trust in them once again by electing them into office during the presidential election in September 2025..

Jane Ansah



In fact, several DPP gurus who had hoped to become APM’s running mate felt excluded and disregarded upon discovering that Jane Ansah had been selected as Mutharika’s running mate.

Similar to Atupele Muluzi during the 2020 presidential election, Jane Ansah was observed carrying out political campaigning leading up to the September 2025 Presidential election without the backing of certain DPP leaders.

Fortunately, in  2025, both Peter Mutharika and Jane Ansah were victorious in the Presidential election, winning by a large margin and surpassing former President Lazarus Chakwera.

With their shared occupation in the legal field and Jane Ansah’s reputation as a devout and humble individual, there was much hope among Malawians for a harmonious relationship between Peter Mutharika and his vice president, Jane Ansah.

Regrettably, only three months after gaining power, signs of tension between Ansah and Mutharika began to surface.

First, President Mutharika and government spokesperson Shadreck Namalomba provided contradictory statements regarding the funding source for Jane Ansah’s private trip to Nottingham, UK.

Second, during her visit   in the UK, President Mutharika removed Jane Ansah from two important positions. She was no longer responsible for overseeing the disaster management department and the public service reform sector.

Third, President Mutharika discreetly ceased assigning any tasks to his Vice President, Jane Ansah.

Indeed, Jane Ansah is typically seen in public fulfilling her duties as a pastor or participating in events as a woman. She may also be invited by a responsible public official to attend and support a public event.

Fourth, there are claims that the Mutharika government is pressuring Jane Ansah to step down from her position as vice president.

This speculation poses a potential risk in the political realm as it conveys a sense of hopelessness regarding APM’s ability to successfully complete his second term.

Of course, there has been a growing number of Malawians who are beginning to doubt the effectiveness of APM’s decision-making methodology.

For instance, a large number of individuals are perplexed by the decision of President Peter Mutharika to grant clemency to those convicted of murder in the Lule Buleya case, which involved the killing of albinos. These perpetrators were released from prison after serving less than a year, despite being sentenced to 15 years. Does this seem just?

Fifth, reports show that the security of the Vice President has been reduced, despite ongoing security issues such as the presence of illicit weapons and abductions. This information was shared by Dedza’s Member of Parliament, Joshua Malango.

In conclusion, although the first vice president has faced severe mistreatment, according to the Malawi Constitution, Jane Ansah is required to assume the leadership in the event of a vacant presidency due to various circumstances. Therefore, the office of the vice president should always be honored and valued.

SULOM’s Early Fixture Release Signals New Era of Planning for 2026/27 FDH Premiership

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By Rahim Abdul

The Super League of Malawi (SULOM) has taken an early and calculated step toward shaping the upcoming football season, releasing the 2026/2027 FDH Bank Premiership fixtures with a clear focus on preparedness and structure.

The announcement, made on Saturday in Blantyre by SULOM General Secretary Williams Banda, signals a shift toward better planning, giving clubs and stadium authorities ample time to organize logistics ahead of kickoff on April 25, 2026.

Rather than the usual last minute rush that has often characterized domestic football preparations, this early release reflects a growing sense of professionalism within Malawi’s top-flight league.


Banda emphasized that the decision was intentional, aimed at ensuring that all 16 participating teams are adequately prepared, both administratively and competitively, before the season begins.

The fixtures also provide a crucial window for venue owners to address key issues such as pitch conditions, security arrangements, and matchday operations areas that have previously drawn criticism.

According to Banda, the league is expected to conclude on February 20, 2027, provided there are no major disruptions, suggesting a tightly managed calendar designed to maintain momentum throughout the campaign.

SULOM is also banking on discipline from the clubs, urging teams to strictly adhere to the schedule and competition rules to enhance the overall quality of the league.
Defending champions Mighty Wanderers will begin their title defense at home against Karonga United, a fixture that could set the tone for their campaign as they seek to retain the crown.

Meanwhile, their long-time rivals FCB Nyasa Big Bullets face an early test on the road against Civil Service United, a match that could immediately reveal their title ambitions.

These opening fixtures hint at a competitive season ahead, with traditional powerhouses and emerging sides all looking to make a strong statement from the outset.

The structured calendar could also play a vital role in improving player performance, as teams will have more time to plan training cycles, manage fatigue and maintain consistency.

Ultimately, the early release of fixtures may prove to be more than just an administrative move it could be a defining factor in raising the standards and credibility of Malawi’s elite football league.