In August 2020, UMINO opened a new Branch in Nyimba District. Today the Branch boasts of over 400 clients and has continued to empower the community. In the past two years COVID-19 has had a negative effect on the economy however, Umino continues taking positive strides in the right direction. Our clients share their experiences and future prospects.


Judith Mumba has been a Nyimba Resident for more than 20 years. She runs a clothing business at Nyimba market. Her clothes are ordered from Kamwala Market in Lusaka on a monthly basis. Judith said that before UMINO started operations in Nyimba she would access financial services from other lending institutions in the area that have since left.

She has supported her family over the years from her clothing business and continues to inspire other marketeers. “Nyimba is an agricultural town, most people grow maize, soya beans and groundnuts as a source of living. I make a lot of money from sales when farmers sell their produce. I have mastered this period and capitalize by ordering assorted items for sale.’’ Judith Lungu.


By working smart Judith has been consistent with paying her loan instalments on time and in full. She encourages fellow marketeers not to shy away from getting financial assistance so as to boost their businesses and order more stock.

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